EXHIBIT 4.4 CONSULTANT AGREEMENT Consultant Agreement, made as of April 15, 2003 between Consumers Financial Corp. having its principal place of business located at 132 Spruce Street, Cedarhurst, NY, 11516 ("CFIN" or the "Corporation"), and Howard A....Consultant Agreement • July 1st, 2003 • Consumers Financial Corp • Surety insurance • New York
