Exhibit 99 CHANGE IN CONTROL AND NON-COMPETITION AGREEMENT THIS AGREEMENT is made effective as of May 9, 2005 by and among Harbor Federal Savings Bank (the "Bank"), Harbor Florida Bancshares, Inc. ("Bancshares" or the "Holding Company") and Randall A....Change in Control and Non-Competition Agreement • May 17th, 2005 • Harbor Florida Bancshares Inc • Savings institutions, not federally chartered • Florida
