0001173377-02-000013 Sample Contracts

1 EXHIBIT A

Incentive Stock Option Agreements • May 20th, 2002 • Heritage Financial Holding • National commercial banks

• Contract Type
  Incentive Stock Option Agreements
• Filed
  May 20th, 2002
• Company
  Heritage Financial Holding
• Industry
  National commercial banks

1 2 Tuesday, March 12, 2002, during which meeting the Corporation, the Bank and Mr. Gilbert each agreed to enter into that certain Retirement, Release and Settlement Agreement;

Retirement Release and Settlement Agreement • May 20th, 2002 • Heritage Financial Holding • National commercial banks • Alabama

• Contract Type
  Retirement Release and Settlement Agreement
• Filed
  May 20th, 2002
• Company
  Heritage Financial Holding
• Industry
  National commercial banks
• Jurisdiction
  Alabama