POAGE BANKSHARES, INC. up to 144,540 Shares (subject to increase up to 166,221 Shares) COMMON SHARES ($0.01 Par Value) Subscription Price $12.73 Per Share AGENCY AGREEMENT (this “Agreement”) March 31, 2015Agency Agreement • April 1st, 2015 • Poage Bankshares, Inc. • Savings institution, federally chartered • New York
