0001133796-10-000345 Sample Contracts

JOINT FILING AGREEMENT
Joint Filing Agreement • November 26th, 2010 • Financial Edge Fund L P • Savings institution, federally chartered

Pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended, the undersigned hereby agree that the Schedule 13D to which this Joint Filing Agreement is being filed as an exhibit shall be a joint statement filed on behalf of each of the undersigned.

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STANDSTILL AGREEMENT
Standstill Agreement • November 26th, 2010 • Financial Edge Fund L P • Savings institution, federally chartered • Indiana

This Standstill Agreement (this “Agreement”) is entered into as of November 18, 2010, by and among CFS Bancorp, Inc., an Indiana corporation (the “Company”), Citizens Financial Bank, a federal savings bank (the “Bank”), and each of PL Capital, LLC, Goodbody/PL Capital, LLC, Financial Edge Fund, L.P., Financial Edge-Strategic Fund, L.P., PL Capital/Focused Fund, L.P., Goodbody/PL Capital, L.P., PL Capital Advisors, LLC, Richard J. Lashley, Beth Lashley, the Danielle Morgan Lashley 2010 Trust, Robin Lashley, PL Capital Defined Benefit Pension Plan, John W. Palmer, Irving A. Smokler, and Red Rose Trading Estonia OU (each a “PL Capital Party” and collectively the “PL Capital Parties”). Except as the context otherwise requires, all capitalized terms not otherwise defined herein shall have the meaning as defined in Section 1.1 hereof.

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