Director’s Retirement Plan Sample Contracts

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HERITAGE FINANCIAL GROUP DIRECTOR’S RETIREMENT PLAN AMENDMENT TO EXISTING PLAN AGREEMENT
Director’s Retirement Plan • November 14th, 2007 • Heritage Financial Group • Savings institution, federally chartered

On August 15, 2002, Heritage Bank of the South (the “Bank”) entered into an agreement with the undersigned Director regarding his entitlement under the Heritage Financial Group Director’s Retirement Plan (the “Plan”) (the “Plan Agreement”).

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