exhibit 10. 13 non - solicitation and confidentiality agreement 1. parties. this non - solicitation and confidentiality agreement ( the “ agreement ” ) is entered into by pulaski financial corp., its present and future subsidiaries, affiliates, and assigns ( collectively hereinafter “ employer ” ) and _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ( hereinafter “ employee ” ). in consideration of the granting of stock option awards to employee for shares of stock in pulaski financial by the board of directors of pulaski financial, pursuant to the recommendation of the compensation committee at its meeting on november 30, 2007, and employee ’ s employment or continued employment by the employer, access to some of employer ’ s confidential information, and other good and sufficient consideration, receipt of which is hereby acknowledged, the employee agrees to the terms of this agreement. 2. employee acknowledgment. employee acknowledges that employer ’ s relationships with its customers, employees and other business associations are among employer ’ s most important assets, and that developing, maintaining and continuing these relationships is one of employer ’ s highest priorities. employee further understands that he or she will be relied upon to develop and maintain the goodwill of these relationships on behalf of the employer throughout the course of the employment relationship. employee further acknowledges and agrees that the restrictions in this agreement are reasonable to protect employer ’ s rights under this agreement and to safeguard the company ’ s confidential information and aforementioned relationships. 3. non - solicitation of referral sources and customers of employer. during employee ’ s employment with employer and, if employee terminates his / her employment with employer for any reason, or if employer terminates employee ’ s employment for cause, for a period of one ( 1 ) year after the date of such termination ( the “ termination date ” ), employee agrees that he or she will not, directly or indirectly, by any means or device whatsoever, for any person, business or entity in competition with or providing the same services as employer, call upon, solicit, divert, or accept business from any customers of employer who were customers of employer at any time during the one year period preceding employee ’ s termination date, and with which employee had contact during his or her employment with employer or about which employee became aware during employee ’ s employment with employer. 4. non - solicitation of employees. during employee ’ s employment with employer