0001173377-02-000013 Sample Contracts

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