0001104659-13-077329 Sample Contracts

EDGEWATER BANCORP, INC. up to 874,000 Shares (subject to increase up to 1,005,100 shares) COMMON SHARES ($0.01 Par Value) Subscription Price $10.00 Per Share AGENCY AGREEMENT

Agency Agreement • October 23rd, 2013 • Edgewater Bancorp, Inc. • Savings institution, federally chartered • New York

• Contract Type
  Agency Agreement
• Filed
  October 23rd, 2013
• Company
  Edgewater Bancorp, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  New York

FIRST AMENDMENT TO LETTER AGREEMENT DATED JUNE 28, 2013

Letter Agreement • October 23rd, 2013 • Edgewater Bancorp, Inc. • Savings institution, federally chartered

• Contract Type
  Letter Agreement
• Filed
  October 23rd, 2013
• Company
  Edgewater Bancorp, Inc.
• Industry
  Savings institution, federally chartered

This first amendment (the “Amendment”) to the letter agreement dated June 28, 2013 between Sterne, Agee & Leach, Inc. (“Sterne Agee”) and Edgewater Bank. (the “Company”) with respect to the provision of financial advisory services (the “Agreement”) is made effective the 10th day of October 2013.