a Maryland corporation) 8,280 ,000 Shares of Common Stock (Subject to Increase to Up to 9,522 ,000 Shares) COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT September __, 2010Agency Agreement • September 14th, 2010 • Heritage Financial Group Inc • Savings institution, federally chartered • New York
