0001019056-07-000669 Sample Contracts

FIRST FINANCIAL NORTHWEST, INC. 20,125,000 Shares (subject to increase to 23,145,750 shares) COMMON SHARES ($.01 Par Value) Subscription Price $10.00 Per Share AGENCY AGREEMENT August ___, 2007
First Financial • July 23rd, 2007 • First Financial Northwest, Inc. • Savings institutions, not federally chartered • New York

First Financial Northwest, Inc., a Washington corporation (the “Company”), First Savings Bank of Renton, a Washington-chartered stock savings bank (the “Bank”), First Financial of Renton, Inc., a Washington corporation, the current mid-tier holding company of the Bank (“Mid-Tier”), and First Financial Holdings, MHC, a Washington-chartered mutual holding company and the current majority owner of Mid-Tier (the “MHC”), hereby confirm their agreement with Keefe, Bruyette & Woods, Inc. (“Keefe Bruyette” or the “Selling Agent”) to serve as Selling Agent of the Company to assist the Company in the sale of up to 20,125,000 (subject to increase up to 23,143,750 shares) of Common Stock (as defined below) of the Company (the “Shares” or “Conversion Stock”) in the Subscription and Community Offerings, as defined below, as follows:

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