0001193125-04-183873 Sample Contracts

1,164,375 Shares (subject to increase up to 1,339,031 shares in the event of an increase in the pro forma market value of the Company’s Common Stock) SFSB, Inc. (a federal stock holding company) Common Stock (par value $.01 per share) AGENCY AGREEMENT

Agency Agreement • November 2nd, 2004 • SFSB, Inc. • Savings institution, federally chartered • New York

• Contract Type
  Agency Agreement
• Filed
  November 2nd, 2004
• Company
  SFSB, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  New York

EMPLOYMENT AGREEMENT

Employment Agreement • November 2nd, 2004 • SFSB, Inc. • Savings institution, federally chartered • Maryland

• Contract Type
  Employment Agreement
• Filed
  November 2nd, 2004
• Company
  SFSB, Inc.
• Industry
  Savings institution, federally chartered
• Jurisdiction
  Maryland

THIS EMPLOYMENT AGREEMENT (the “Agreement”) is made as of the day of , 2004, between Slavie Federal Savings Bank (the “Bank” or “Employer”), a capital stock federal savings bank chartered by the United States and a wholly owned subsidiary of SFSB, Inc. and Sophie T. Wittelsberger, a resident of the State of Maryland (the “Employee”).