FIRST SECURITYFED FINANCIAL INC
EX-10.H
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<p align="right" style="margin:0in 0in .0001pt;text-align:right;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Exhibit 10(h)</font></b></p>



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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><u><font size="2" face="Times New Roman" style="font-size:10.0pt;">CHANGE

IN CONTROL SEVERANCE AGREEMENT</font></u></p>



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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; THIS

CHANGE IN CONTROL SEVERANCE AGREEMENT (&#147;Agreement&#148;) is made and entered into as

of this 1<sup>st</sup> day of December, 2000 by and between First Security

Federal Savings Bank (hereinafter referred to as the &#147;Association&#148; whether in

mutual or stock form), and Paul Bandriwsky (the &#147;Employee&#148;).</font></p>



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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; WHEREAS,

the Employee is currently serving as Vice President and Chief Operating Officer

of the Association; and</font></p>



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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; WHEREAS,

the Association is a subsidiary of First SecurityFed Financial, Inc. (the

&#147;Holding Company&#148;); and</font></p>



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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; WHEREAS,

the board of directors of the Association (&#147;Board of Directors&#148;) recognizes

that, as is the case with publicly held corporations generally, the possibility

of a change in control of the Holding Company and/or the Association may exist

and that such possibility, and the uncertainty and questions which it may raise

among management, may result in the departure or distraction of key management

personnel to the detriment of the Association, the Holding Company and their

respective stockholders; and</font></p>



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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; WHEREAS,

the Board of Directors believes it is in the best interests of the Association

to enter into this Agreement with the Employee in order to assure continuity of

management of the Association and to reinforce and encourage the continued

attention and dedication of the Employee to the Employee&#146;s assigned duties

without distraction in the face of potentially disruptive circumstances arising

from the possibility of a change in control of the Holding Company or the

Association, although no such change is now contemplated; and</font></p>



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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; WHEREAS,

the Board of Directors has approved and authorized the execution of this

Agreement with the Employee to take effect as stated in Section 2 hereof;</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; NOW,

THEREFORE, in consideration of the foregoing and of the respective covenants

and agreements of the parties herein, it is AGREED as follows:</font></p>



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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Definitions.</u></font></p>



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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="1" face="Times New Roman" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The term &#147;Change in Control&#148; means

(1) an event of a nature that (i) results in a change in control of the

Association or the Holding Company within the meaning of the Home Owners&#146; Loan

Act of 1933 and 12 C.F.R. Part 574 as in effect on the date hereof; or (ii)

would be required to be reported in response to Item 1 of the current report on

Form 8&#150;K, as in effect on the date hereof, pursuant to Section 13 or

15(d) of the Securities Exchange Act of 1934 (the &#147;Exchange Act&#148;); (2) any

person (as the term is used in Section 13(d) and 14(d) of the Exchange Act) is

or becomes the beneficial owner (as defined in Rule 13d-3 under the Exchange

Act), directly or indirectly of securities of the Association or the Holding

Company</font></p>



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<p style="margin:0in 0in .0001pt 1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">representing

20% or more of the Association&#146;s or the Holding Company&#146;s outstanding

securities; (3) individuals who are members of the board of directors of the

Association or the Holding Company on the date hereof (the &#147;Incumbent Board&#148;)

cease for any reason to constitute at least a majority thereof, provided that

any person becoming a director subsequent to the date hereof whose election was

approved by a vote of at least three-quarters of the directors comprising the

Incumbent Board, or whose nomination for election by the Holding Company&#146;s

stockholders was approved by the nominating committee serving under an

Incumbent Board, shall be considered a member of the Incumbent Board; or (4) a

reorganization, merger, consolidation, sale of all or substantially all of the

assets of the Association or the Holding Company or a similar transaction in

which the Association or the Holding Company is not the resulting entity.&#160; The term &#147;Change in Control&#148; shall not

include an acquisition of securities by an employee benefit plan of the

Association or the Holding Company or the acquisition of securities of the

Association by the Holding Company.</font></p>



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<p style="margin:0in 0in .0001pt;"><font size="1" face="Times New Roman" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The term &#147;Commencement Date&#148; means

December 1, 2000.</font></p>



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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="1" face="Times New Roman" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The term &#147;Date of Termination&#148; means

the earlier of (1) the date upon which the Association gives notice to the

Employee of the termination of the Employee&#146;s employment with the Association

or (2) the date upon which the Employee ceases to serve as an employee of the

Association.</font></p>



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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="1" face="Times New Roman" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">(d)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The term &#147;Involuntary Termination&#148;

means termination of the employment of Employee without the Employee&#146;s express

written consent, and shall, subject to the last sentence in this paragraph,

include a material diminution of or interference with the Employee&#146;s duties,

responsibilities and benefits as Vice President and Chief Operating Officer of

the Association, including (without limitation) any of the following actions

unless consented to in writing by the Employee: (1) a change in the principal

workplace of the Employee to a location outside of a 30 mile radius from the

Association&#146;s headquarters office as of the date hereof; (2) a material

demotion of the Employee; (3) a material reduction in the number or seniority

of other Association personnel reporting to the Employee or a material

reduction in the frequency with which, or in the nature of the matters with

respect to which, such personnel are to report to the Employee, other than as

part of a Association- or Holding Company-wide reduction in staff, (4) a

material adverse change in the Employee&#146;s salary, other than as part of an

overall program applied uniformly and with equitable effect to all members of

the senior management of the Association or the Holding Company; and (5) a

material permanent increase in the required hours of work or the workload of

the Employee. The term &#147;Involuntary Termination&#148; does not include Termination

for Cause or termination of employment due to retirement, death, disability or

suspension or temporary or permanent prohibition from participation in the

conduct of the Association&#146;s affairs under Section 8 of the Federal Deposit

Insurance Act (&#147;FDIA&#148;) and shall not include a material diminution of or

interference with the Employee&#146;s duties, responsibilities and benefits unless

the </font></p>



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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2</font></p>





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<p style="margin:0in 0in .0001pt 1.0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">employee

or the Association submits written notice of involuntary termination within 120

days thereof.</font></p>



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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="1" face="Times New Roman" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">(e)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; The terms &#147;Termination for Cause&#148; and

&#147;Terminated For Cause&#148; mean termination of the employment of the Employee

because of the Employee&#146;s personal dishonesty, incompetence, willful

misconduct, breach of a fiduciary duty involving personal profit, intentional failure

to perform stated duties, willful violation of any law, rule, or regulation

(other than traffic violations or similar offenses) or final cease-and-desist

order, or material breach of any provision of this Agreement.</font></p>



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<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Term</font></u><font size="2" style="font-size:10.0pt;">.&#160; The term of this Agreement shall be a period

of two years commencing on the Commencement Date, subject to earlier

termination as provided herein. Beginning on the first anniversary of the

Commencement Date, and on each anniversary thereafter until the first

anniversary of the Commencement Date after the Employee reaches age 65, the

term of this Agreement shall be extended for a period of one year in addition

to the then&#150;remaining term, <u>provided that</u>, prior to such

anniversary, the Board of Directors of the Association explicitly reviews and

approves the extension. Reference herein to the term of this Agreement shall

refer to both such initial term and such extended terms.</font></p>



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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Severance Benefits,

Regulatory Provisions.</font></u></p>



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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="1" face="Times New Roman" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Involuntary Termination in

Connection With a Change in Control</u>.&#160;

In the event of Involuntary Termination in connection with or within 24

months after a Change in Control which occurs during the term of this

Agreement, the Association shall, subject to Section 4 of this Agreement, (1)

pay to the Employee in a lump sum in cash within 25 business days after the

Date of Termination an amount equal to 200% of the Employee&#146;s &#147;base amount&#148; as

defined in Section 280G of the Internal Revenue Code of 1986, as amended (the

&#147;Code&#148;); and (2) provide to the Employee during the remaining term of this

Agreement such health insurance benefits as the Association maintained for

executive officers at the Date of Termination on terms as favorable to the

Employee as applied at the Date of Termination. The total of payments to the

Employee under this section shall not exceed three times his average

compensation from the Association over the five most recent taxable years (or,

if employed by the Association for a shorter period, over the period of his

employment by the Association).</font></p>



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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="1" face="Times New Roman" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Temporary Suspension or

Prohibition</u>.&#160; If the Employee is

suspended and/or temporarily prohibited from participating in the conduct of

the Association&#146;s affairs by a notice served under Section 8(e)(3) or (g)(1) of

the FDIA, 12 U.S.C. &#167; 1818(e)(3) and (g)(1), the Association&#146;s obligations

under this Agreement shall be suspended as of the date of service, unless

stayed by appropriate proceedings. If the charges in the notice are dismissed,

the Association may in its discretion (i) pay the Employee all or part of the

compensation withheld while its obligations under this Agreement were suspended

and (ii) reinstate in whole or in part any of its obligations which were

suspended.</font></p>



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<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3</font></p>





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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-1.0in;"><font size="1" face="Times New Roman" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">(c)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Permanent Suspension or Prohibition</u>.&#160; If the Employee is removed and/or

permanently prohibited from participating in the conduct of the Association&#146;s

affairs by an order issued under Section 8(c)(4) or (g)(1) of the FDIA, 12

U.S.C. &#167; 1818(e)(4) and (g)(1), all obligations of the Association under this

Agreement shall terminate as of the effective date of the order, but vested

rights of the contracting parties shall not be affected.</font></p>



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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(d)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Default of the

Association</font></u><font size="2" style="font-size:10.0pt;">.&#160; If the

Association is in default (as defined in Section 3(x)(1) of the FDIA), all

obligations under this Agreement shall terminate as of the date of default, but

this provision shall not affect any vested rights of the contracting parties.</font></p>



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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(e)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Termination by

Regulators</font></u><font size="2" style="font-size:10.0pt;">.&#160; All

obligations under this Agreement shall be terminated, except to the extent

determined that continuation of this Agreement is necessary for the continued

operation of the Association: (1) by the Director of the Office of Thrift

Supervision (the &#147;Director&#148;) or his or her designee, at the time the Federal

Deposit Insurance Corporation or the Resolution Trust Corporation, enters into

an agreement to provide assistance to or on behalf of the Association under the

authority contained in Section 13(c) of the FDIA; or (2) by the Director or his

or her designee, at the time the Director or his or her designee approves a

supervisory merger to resolve problems related to operation of the Association

or when the Association is determined by the Director to be in an unsafe or

unsound condition. Any rights of the parties that have already vested, however,

shall not be affected by any such action.</font></p>



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<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">4.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Certain

Reduction of Payments by the Association.</u></font></p>



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<p style="margin:0in 0in .0001pt 1.0in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">Notwithstanding any

other provision of this Agreement, if the value and amounts of benefits under

this Agreement, together with any other amounts and the value of benefits

received or to be received by the Employee in connection with a Change in

Control would cause any amount to be nondeductible by the Association or the

Holding Company for federal income tax purposes pursuant to Section 280G of the

Code, then amounts and benefits under this Agreement shall be reduced (not less

than zero) to the extent necessary so as to maximize amounts and the value of

benefits to the Employee without causing any amount to become nondeductible by

the Association or the Holding Company pursuant to or by reason of such Section

280G. The Employee shall determine the allocation of such reduction among

payments and benefits to the Employee.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt 1.0in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">Any payments made

to the Employee pursuant to this Agreement, or otherwise, are subject to and

conditioned upon their compliance with 12 U.S.C. &#167; 1828(k) and any regulations

promulgated thereunder.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">5.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">No Mitigation</font></u><font size="2" style="font-size:10.0pt;">.&#160; The Employee shall not be required to

mitigate the amount of any salary or other payment or benefit provided for in

this Agreement by seeking other employment</font></p>



<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">4</font></p>





<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">



<hr size="2" width="100%" noshade color="gray" align="left">



</font></div>



<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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</font>



<p align="center" style="font-size:12.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>



<p style="margin:0in 0in .0001pt .5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">or otherwise, nor shall the

amount of any payment or benefit provided for in this Agreement be reduced by

any compensation earned by the Employee as the result of employment by another

employer, by retirement benefits after the date of termination or otherwise.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">6.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Attorneys and/or

Fees</font></u><font size="2" style="font-size:10.0pt;">.&#160; If the Employee is purportedly

Terminated for Cause and the Association denies payments and/or benefits under

Section 3(a) of this Agreement on the basis that the Employee experienced

Termination for Cause rather than Involuntary Termination, but it is determined

by a court of competent jurisdiction or by an arbitrator pursuant to Section 13

that cause as contemplated by Section 2(e) of this Agreement did not exist for

termination of the Employee&#146;s employment, or if in any event it is determined

by any such court or arbitrator that the Association has failed to make timely

payment of any amounts or provision of any benefits owed to the Employee under

this Agreement, the Employee shall be entitled to reimbursement for all

reasonable costs, including attorneys&#146; fees, incurred in challenging such

termination of employment or collecting such amounts or benefits.&#160; Such reimbursement shall be in addition to

all rights to which the Employee is otherwise entitled under this Agreement.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">7.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>No

Assignments.</u></font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt 1.0in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(a)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">This Agreement is

personal to each of the parties hereto, and neither party may assign or

delegate any of its rights or obligations hereunder without first obtaining the

written consent of the other party; provided, however, that the Association

shall require any successor or assign (whether direct or indirect, by purchase,

merger, consolidation or otherwise) to all or substantially all of the business

and/or assets of the Association, by an assumption agreement in form and

substance satisfactory to the Employee, to expressly assume and agree to

perform this Agreement in the same manner and to the same extent that the

Association would be required to perform it if no such succession or assignment

had taken place.&#160; Failure of the

Association to obtain such an assumption agreement prior to the effectiveness

of any such succession or assignment shall be a breach of this Agreement and

shall entitle the Employee to compensation from the Association in the same

amount and on the same terms as the compensation pursuant to Section 3(a)

hereof. For purposes of implementing the provisions of this Section 7(a), the date

on which any such succession becomes effective shall be deemed the Date of

Termination.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt 1.0in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(b)</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><font size="2" style="font-size:10.0pt;">This Agreement and

all rights of the Employee hereunder shall inure to the benefit of and be

enforceable by the Employee&#146;s personal and legal representatives, executors,

administrators, successors, heirs, distributees, devisees and legatees. If the

Employee should die while any amounts would still be payable to the Employee

hereunder if the Employee had continued to live, all such amounts, unless

otherwise provided herein, shall be paid in accordance with the terms of this

Agreement to the Employee&#146;s devisee, legatee or other designee or if there is

no such designee, to the Employee&#146;s estate.</font></p>



<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">5</font></p>





<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">



<hr size="2" width="100%" noshade color="gray" align="left">



</font></div>



<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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</font>



<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">8.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Notice</font></u><font size="2" style="font-size:10.0pt;">.&#160; For the purposes of this Agreement, notices

and all other communications provided for in the Agreement shall be in writing

and shall be deemed to have been duly given when personally delivered or sent

by certified mail, return receipt requested, postage prepaid, to the

Association at its home office, to the attention of the Board of Directors with

a copy to the Secretary of the Association, or, if to the Employee, to such

home or other address as the Employee has most recently provided in writing to

the Association.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">9.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Amendments</font></u><font size="2" style="font-size:10.0pt;">.&#160; No amendments or additions to this Agreement

shall be binding unless in writing and signed by both parties, except as herein

otherwise provided.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">10.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Headings</font></u><font size="2" style="font-size:10.0pt;">.&#160; The headings used in this Agreement are

included solely for convenience and shall not affect, or be used in connection

with, the interpretation of this Agreement.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">11.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Severability</font></u><font size="2" style="font-size:10.0pt;">.&#160; The provisions of this Agreement shall be

deemed severable and the invalidity or unenforceability of any provision shall

not affect the validity or enforceability of the other provisions hereof.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">12.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Governing Law</font></u><font size="2" style="font-size:10.0pt;">.&#160; This Agreement shall be governed by the laws

of the United States to the extent applicable and otherwise by the laws of the

State of Illinois.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt .5in;text-indent:-.5in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">13.</font><font size="1" style="font-size:3.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font><u><font size="2" style="font-size:10.0pt;">Arbitration</font></u><font size="2" style="font-size:10.0pt;">.&#160; Any dispute or controversy arising under or

in connection with this Agreement shall be settled exclusively by arbitration

in accordance with the rules of the American Arbitration Association then in

effect.&#160; Judgment may be entered on the

arbitrator&#146;s award in any court having jurisdiction.</font></p>



<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">6</font></p>





<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">



<hr size="2" width="100%" noshade color="gray" align="left">



</font></div>



<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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</font>



<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; IN

WITNESS WHEREOF, the parties have executed this Agreement as of the day and

year first above written.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; THIS

AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE

PARTIES.</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>



<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">ATTEST:</font></p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">FIRST SECURITY FEDERAL SAVINGS

  BANK</font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="21%" valign="top" style="border:none;padding:0in .7pt 0in .7pt;width:21.14%;">

  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Terry Gawryk</font></p>

  </td>

  <td width="18%" valign="top" style="border:none;padding:0in .7pt 0in .7pt;width:18.86%;">

  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Secretary</font></p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="border:none;padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">By:&#160; Julian E. Kulas</font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Its:&#160; President and Chief Executive Officer</font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">EMPLOYEE</font></p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="40%" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

 </tr>

 <tr>

  <td width="40%" colspan="2" valign="top" style="padding:0in .7pt 0in .7pt;width:40.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

  <td width="20%" valign="top" style="padding:0in .7pt 0in .7pt;width:20.0%;">

  <p style="font-size:12.0pt;margin:0in 0in .0001pt;">&nbsp;</p>

  </td>

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  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Paul Bandriwsky</font></p>

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