0001193125-04-130734 Sample Contracts

3,910,000 Shares (subject to increase up to 4,496,500 shares in the event of an oversubscription) SI Financial Group, Inc. (a federal stock holding company) Common Stock (par value $.01 per share) AGENCY AGREEMENT

Agency Agreement • August 4th, 2004 • SI Financial Group, Inc. • Savings institution, federally chartered • New York

• Contract Type
  Agency Agreement
• Filed
  August 4th, 2004
• Company
  SI Financial Group, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  New York

FORM OF EMPLOYMENT AGREEMENT

Employment Agreement • August 4th, 2004 • SI Financial Group, Inc. • Savings institution, federally chartered • Connecticut

• Contract Type
  Employment Agreement
• Filed
  August 4th, 2004
• Company
  SI Financial Group, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  Connecticut

THIS AGREEMENT (the “Agreement”), made this th day of , 2004, by and among SI FINANCIAL GROUP, INC., a federally chartered corporation (the “Company”) SAVINGS INSTITUTE BANK AND TRUST COMPANY, a federally-chartered savings bank (the “Bank”), and (“Executive”).

FORM OF SAVINGS INSTITUTE BANK AND TRUST COMPANY CHANGE IN CONTROL AGREEMENT

Change in Control Agreement • August 4th, 2004 • SI Financial Group, Inc. • Savings institution, federally chartered • Connecticut

• Contract Type
  Change in Control Agreement
• Filed
  August 4th, 2004
• Company
  SI Financial Group, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  Connecticut

This AGREEMENT (“Agreement”) is hereby entered into as of , 2004, by and between Savings Institute Bank and Trust Company (the “Bank”), a federally-chartered savings bank with its principal offices at 803 Main Street, Willimantic, Connecticut 06226, (“Executive”) and SI Financial Group, Inc. (the “Company”), a federally-chartered corporation and the holding company of the Bank, as guarantor.