0001193125-12-503050 Sample Contracts

CharterBank SPLIT DOLLAR AGREEMENT
Split Dollar Agreement • December 14th, 2012 • Charter Financial Corp • Savings institution, federally chartered • Georgia

THIS SPLIT DOLLAR AGREEMENT (this “Agreement”) is entered into as of this 18th day June, 2010 by and between CharterBank (the “Employer”), and CURT KOLLAR, an individual resident of GEORIGA (hereinafter referred to as the “Executive”).

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November 6, 2012
Charter Financial Corp • December 14th, 2012 • Savings institution, federally chartered

This letter sets forth the agreement between CharterBank (the “Company”), subsidiary of First Charter, MHC, West Point, Georgia (the “MHC”), and RP® Financial, LC. (“RP Financial”) for independent conversion appraisal services pertaining to the mutual-to-stock conversion of the MHC. The specific appraisal services to be rendered by RP Financial are described below. These appraisal services will be rendered by a team of senior members of our firm and will be directed by the undersigned.

AMENDMENT TO FREEZE BENEFIT ACCRUALS UNDER THE CHARTERBANK SALARY CONTINUATION PLAN
Freeze Benefit Accruals Under • December 14th, 2012 • Charter Financial Corp • Savings institution, federally chartered

This Amendment is adopted this 25th day of September, 2012, by and between CharterBank (the “Employer”) and Lee Washam, an individual resident of the State of Georgia (the “Executive”).

AMENDMENT TO FREEZE BENEFIT ACCRUALS UNDER THE CHARTERBANK SALARY CONTINUATION PLAN
Continuation Plan • December 14th, 2012 • Charter Financial Corp • Savings institution, federally chartered

This Amendment is adopted this 25th day of September, 2012, by and between CharterBank (the “Employer”) and Robert Johnson, an individual resident of the State of Alabama (the “Executive”).

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