0001193125-05-179883 Sample Contracts

LOAN AGREEMENT
Loan Agreement • September 2nd, 2005 • Legacy Bancorp, Inc. • Savings institutions, not federally chartered • Massachusetts

THIS LOAN AGREEMENT (“Loan Agreement”) is made and entered into as of the day of , 2005, by and between the LEGACY BANKS EMPLOYEE STOCK OWNERSHIP PLAN TRUST (“Borrower”), a trust forming part of the Legacy Banks Employee Stock Ownership Plan (“ESOP”); and (“Lender” or “Company”), a Massachusetts corporation.

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SUPPLEMENTAL EXECUTIVE RETIREMENT AGREEMENT MICHAEL A. CHRISTOPHER
Supplemental Executive Retirement Agreement • September 2nd, 2005 • Legacy Bancorp, Inc. • Savings institutions, not federally chartered • Massachusetts

This Supplemental Executive Retirement Agreement (the “Agreement”) is dated as of the 1st day of January, 2004, by and among Mutual Bancorp of the Berkshires, Inc. (“Mutual”), a Massachusetts corporation, Legacy Group, Inc. (“Legacy”), a Massachusetts corporation, and Legacy Banks (the “Bank”), a bank organized and existing under the laws of the Commonwealth of Massachusetts with its headquarters in Pittsfield, Massachusetts (Mutual, Legacy, and the Bank are referred to collectively herein as the “Company”) and Michael A. Christopher (the “Executive”).

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