1 EXHIBIT 99.5 STOCK OPTION AGREEMENT This AGREEMENT is dated as of November 14, 1998, between Temple- Inland Inc. ("Grantee"), a Delaware corporation, and HF Bancorp, Inc., a Delaware corporation ("Issuer"). W I T N E S S E T H: WHEREAS, the Boards...Stock Option Agreement • November 30th, 1998 • Hf Bancorp Inc • Savings institution, federally chartered • Delaware
R E C I T A L SShareholder Agreement • November 30th, 1998 • Hf Bancorp Inc • Savings institution, federally chartered • Delaware
1 EXHIBIT 99.1 AGREEMENT AND PLAN OF MERGERMerger Agreement • November 30th, 1998 • Hf Bancorp Inc • Savings institution, federally chartered • Delaware
1 EXHIBIT 99.2 AGREEMENT OF BANK MERGER This Agreement of Bank Merger is made by and between Hemet Federal Savings & Loan Association, a federally chartered savings association ("Hemet"), and Guaranty Federal Bank, F.S.B., a federally chartered...Agreement of Bank Merger • November 30th, 1998 • Hf Bancorp Inc • Savings institution, federally chartered
