1,610,000 Shares (subject to increase up to 1,851,500 shares in the event of an oversubscription) BEN FRANKLIN FINANCIAL, INC. (a Delaware corporation) Common Stock (par value $.01 per share) Agency Agreement Friedman, Billings, Ramsey & Co., Inc....Agency Agreement • May 11th, 1998 • Franklin Ben Financial Inc • Savings institution, federally chartered • Illinois
