0001104659-03-004635 Sample Contracts

ELGIN FINANCIAL SAVINGS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT
Elgin Financial Savings Bank Supplemental Executive Retirement Agreement • March 20th, 2003 • Efc Bancorp Inc • Savings institutions, not federally chartered • Illinois

THIS AGREEMENT is adopted this 28th day of June, 2002, by and between ELGIN FINANCIAL SAVINGS BANK, a State/Stock Savings Bank located in Elgin, Illinois (the “Company”), and BARRETT J. O’CONNOR (the “Executive”).

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ELGIN FINANCIAL SAVINGS BANK DIRECTOR RETIREMENT AGREEMENT
Elgin Financial Savings Bank • March 20th, 2003 • Efc Bancorp Inc • Savings institutions, not federally chartered • Illinois

THIS AGREEMENT is adopted this 19 day of June, 2002, by and between ELGIN FINANCIAL SAVINGS BANK, a State/Stock Savings Bank located in Elgin, Illinois (the “Company”) and JAMES A. ALPETER (the “Director”).

ELGIN FINANCIAL SAVINGS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT
Elgin Financial Savings Bank Supplemental Executive Retirement Agreement • March 20th, 2003 • Efc Bancorp Inc • Savings institutions, not federally chartered • Illinois

THIS AGREEMENT is adopted this 28th day of June, 2002, by and between ELGIN FINANCIAL SAVINGS BANK, a State/Stock Savings Bank located in Elgin, Illinois (the “Company”), and R. SCOTT REINING (the “Executive”).

ELGIN FINANCIAL SAVINGS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT
Elgin Financial Savings Bank Supplemental Executive Retirement Agreement • March 20th, 2003 • Efc Bancorp Inc • Savings institutions, not federally chartered • Illinois

THIS AGREEMENT is adopted this 1st day of July, 2002, by and between ELGIN FINANCIAL SAVINGS BANK, a State/Stock Savings Bank located in Elgin, Illinois (the “Company”), and JAMES J. KOVAC (the “Executive”).

ELGIN FINANCIAL SAVINGS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT
Elgin Financial Savings Bank Supplemental Executive Retirement Agreement • March 20th, 2003 • Efc Bancorp Inc • Savings institutions, not federally chartered • Illinois

THIS AGREEMENT is adopted this 1st day of July, 2002, by and between ELGIN FINANCIAL SAVINGS BANK, a State/Stock Savings Bank located in Elgin, Illinois (the “Company”), and NANCY L. TOPALOVICH (the “Executive”).

ELGIN FINANCIAL SAVINGS BANK DIRECTOR RETIREMENT AGREEMENT
Elgin Financial Savings Bank Director Retirement Agreement • March 20th, 2003 • Efc Bancorp Inc • Savings institutions, not federally chartered • Illinois

THIS AGREEMENT is adopted this 18th day of June, 2002, by and between ELGIN FINANCIAL SAVINGS BANK, a State/Stock Savings Bank located in Elgin, Illinois (the “Company”) and PETER A. TRAEGER (the “Director”).

ELGIN FINANCIAL SAVINGS BANK DIRECTOR RETIREMENT AGREEMENT
Elgin Financial Savings Bank • March 20th, 2003 • Efc Bancorp Inc • Savings institutions, not federally chartered • Illinois

THIS AGREEMENT is adopted this 20th day of June, 2002, by and between ELGIN FINANCIAL SAVINGS BANK, a State/Stock Savings Bank located in Elgin, Illinois (the “Company”) and LARRY M. NARUM (the “Director”).

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