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EMPLOYMENT AGREEMENT

This Employment Agreement (the “Agreement”) is made effective as of October 5, 2009 (the “Effective Date”), by and between The Evans Agency, Inc. (the “Agency”), Evans Bancorp, Inc. (the “Company”), and Robert G. Miller, Jr. (the “Executive”). Any reference to the “Employer” shall mean both the Company and the Agency.

WHEREAS , the Executive is currently employed as President of the Agency pursuant to an employment agreement that was effective January 1, 2007 (the “Original Agreement”) and with ENB Insurance Agency, Inc., a predecessor to the Agency; and

WHEREAS , the Employer desires to terminate the Original Agreement and replace it with this Agreement; and

WHEREAS , Executive is willing to serve the Employer on the terms and conditions hereinafter set forth and has agreed to such changes; and

NOW, THEREFORE , in consideration of the mutual covenants herein contained, and upon the other terms and conditions hereinafter provided, the parties hereby agree as follows:

1. POSITION AND RESPONSIBILITIES.

During the term of this Agreement, Executive agrees to serve as President of the Agency (the “Executive Position”), and will perform all duties and will have all powers associated with such position as set forth in the job description for such Executive Position as established by the Board of Directors of the Company (the “Board”) from time to time, and as may be set forth in the Bylaws and Certificate of Incorporation of the Company or the Agency. During the term of the Agreement, Executive also agrees to serve, if elected, as an officer and/or director of any subsidiary or affiliate of Employer and in such capacity carry out such duties and responsibilities reasonably appropriate to that office. Executive shall report to the President and Chief Executive Officer.

2. TERM AND DUTIES.

(a)  Three Year Contract; Daily Renewal . The Executive’s period of employment with the Employer under this Agreement (“Employment Period”) shall begin on the Effective Date and, except as provided in (b) below, shall renew daily, such that the remaining unexpired term of the Agreement shall always be thirty-six (36) months, until the date that the Agency gives the Executive written notice of non-renewal (“Non-Renewal Notice”). Except as otherwise provided in (b) below, the Employment Period shall end on the date that is thirty-six (36) months after the date of the Non-Renewal Notice, unless the parties agree that the Employment Period shall end on an earlier date.

(b) Effective upon the date that is the Executive’s 62 nd birthday, the Employment Period shall not renew daily, this Agreement shall have a remaining (and declining) three year term, and the Employment Period shall expire and this Agreement shall terminate upon the date that is the Executive’s 65 th birthday.

(c)  Annual Performance Evaluation . On either a fiscal year or calendar year basis, (consistently applied from year to year), the Chief Executive Officer of the Employer (the “Chief Executive Officer”) or the Board shall conduct an annual evaluation of the Executive’s performance. The annual performance evaluation proceedings shall be reported to the Board and included in the minutes of the Board.

(d)  Continued Employment Following Termination of Employment Period . Nothing in this Agreement shall mandate or prohibit a continuation of the Executive’s employment following the expiration of the Employment Period.

(e)  Duties; Membership on Other Boards . During the Employment Period, except for periods of absence occasioned by illness, reasonable vacation periods, and reasonable leaves of absence approved by the Chief Executive Officer or the Board, Executive shall devote substantially all his business time, attention, skill, and efforts to the faithful performance of his duties hereunder including activities and services related to the organization, operation and management of the Employer; provided, however, that, with the approval of the Chief Executive Officer or the Board, Executive may serve, or continue to serve, on the boards of directors of, and hold any other offices or positions in, business companies or business organizations, which, in the Board’s or Chief Executive Officer’s judgment, will not present any conflict of interest with the Employer, or materially affect the performance of Executive’s duties pursuant to this Agreement it being understood that membership in and service on boards or committees of social, religious, charitable or similar organizations does not require Chief Executive Officer or Board approval pursuant to this Section. For purposes of this Section, Chief Executive Officer or Board approval shall be deemed to have been granted as to service with any such business company or organization that Executive was serving as of the date of this Agreement and disclosed to the Chief Executive Officer or Board.

(f)  Licenses and Permits . Employee shall maintain any and all licenses and permits required to be owned or possessed by him under applicable law (including NASD License) in order to perform the duties required by him hereunder. Employee shall keep and maintain all of such licenses and permits in full force and effect during the term of this Agreement. The Employer will pay any required license or permit fees.

3. COMPENSATION, BENEFITS AND REIMBURSEMENT.

(a)  Base Salary . The Employer shall pay Executive a salary of not less than $219,600. per year (“Base Salary”). Such Base Salary shall be payable biweekly, or with such other frequency as officers and employees are generally paid. During the period of this Agreement, Executive’s Base Salary shall be reviewed at least annually. Such review shall be conducted by the Chief Executive Officer or Board, and the Employer may increase, but not decrease, Executive’s Base Salary (with any increase in Base Salary to become “Base Salary” for purposes of this Agreement).

(b)  Bonus and Incentive Compensation .

(i) Executive will be entitled to participate in any equity-based incentive compensation programs as the Employer may make available to senior executive officers from time to time. Nothing paid to Executive under any such plan or arrangement will be deemed to be in lieu of other compensation to which Executive is entitled under this Agreement.

(ii) In addition to Base Salary and any bonus and incentive compensation programs available to Executive under Section 3(b)(i), Executive shall be entitled to receive “the employee portion” of residual commissions earned on life insurance, equity products and annuities sold through M&W Group, Inc. prior to September 1, 2000.

(iii) Executive shall be eligible to receive an annual bonus in such amounts and subject to the achievement of bonus objectives to be determined from time to time by the Company’s Board of Directors, in its sole discretion.

(c)  Employee Benefits .

(i) Executive shall be entitled to participate in all employee benefit plans, programs and arrangements as generally provided by the Agency or Company to their senior executive officers and for which Executive shall qualify. Without limiting the foregoing, the Executive may participate in the medical, health and other insurance (including life insurance) plans maintained by the Employer for the benefit of employees.

(c)(ii) Notwithstanding the preceding provisions of this Section 3©, and subject to the following conditions and limitations, in lieu of family health care insurance provided generally to Company employees, the Company shall use commercially reasonable efforts to maintain for and provide to the Executive a long term health care insurance policy that covers both the Executive and his spouse, provided the annual cost of such long term health care insurance policy does not exceed the cost of family health insurance coverage provided by the Company to employees generally.

(d) Paid Time Off . Executive is entitled to no less than 5 weeks of paid vacation per year, plus 5 personal days and customary Agency holidays. Any unused paid time off during an annual period shall be treated in accordance with the Employer’s personnel policies as in effect from time to time.

(e) Company Car; Expense Reimbursements . The Company shall provide the Executive with a Company-owned vehicle, the specific make and model to be determined by the Company which shall be comparable to the vehicle currently provided by the Company to the Executive. During the Employment Period, the Employer shall pay or reimburse Executive for his reasonable country club dues, all reasonable travel, entertainment and other reasonable expenses incurred by Executive during the course of performing his obligations under this Agreement. The Agency also shall reimburse Executive for fees and expenses associated with membership in trade associations or professional memberships related to the business of the Agency or the Company. All reimbursements under this Section 3(e) shall be paid as soon as practicable by the Employer upon presentation to the Employer of an itemized account of such expenses in such form as the Employer may reasonably require; provided, however, that no payment shall be made later than March 15 of the year immediately following the year in which the expense was incurred.

4. PAYMENTS TO EXECUTIVE UPON AN EVENT OF TERMINATION.

(a) Upon the occurrence of an Event of Termination (as herein defined), the provisions of this section shall apply. As used in this Agreement, an “Event of Termination’’ shall mean and include any one or more of the following:

(i) the involuntary termination by the Company or the Agency of Executive’s full-time employment hereunder for any reason other than a Termination for Cause, as defined in Section 8 hereof, or a termination upon Retirement as defined in Section 7 hereof, or a termination for Disability as set forth in Section 6 hereof; and

(ii) Executive’s resignation from the Employer’s employ upon any of the following events (which shall be treated as termination of employment for “Good Reason”), unless consented to by Executive:

(A) failure to appoint Executive to the Executive Position set forth in Section 1 above, or a material change in Executive’s function, duties, or responsibilities, which change would cause Executive’s position to become one of lesser responsibility, importance, or scope from the position and responsibilities described in Section 1 above (and any such material change shall be deemed a continuing breach of this Agreement);

(B) a relocation of Executive’s principal place of employment to a location that is more than thirty-five (35) miles from the location of the Employer’s principal executive offices as of the date of this Agreement;

(C) a material reduction in the benefits and perquisites, including Base Salary, to Executive from those being provided in the Agreement as of the Effective Date (except for any reduction that is part of a reduction in pay or benefits that is generally applicable to officers or employees);

(D) a liquidation or dissolution of the Agency or the Company other than liquidations or dissolutions that are caused by reorganizations that do not affect the status of the Executive; or

(E) a material breach of this Agreement by the Employer.

Upon the occurrence of any event described in clause (ii) above, Executive shall have the right to elect to terminate his employment under this Agreement by resignation within 90 days after the event giving rise to said right to elect, which termination by Executive shall be an Event of Termination. The Employer shall have 30 days to remedy any event set forth in clauses (ii)(A) through (E) above; provided, however, that the Employer shall be entitled to waive such period and make an immediate payment hereunder. If the Employer remedies the event within such 30-day cure period, then no Good Reason shall be deemed to exist with respect to such event. If the Employer does not remedy the event within such 30-day cure period, then the Executive may deliver a Notice of Termination, as defined in Section 9(c) hereof, for Good Reason at any time within 60 days following the expiration of such cure period.

(iii) Executive’s involuntary termination of employment without cause or voluntary resignation for Good Reason from the Employer’s employ within one (1) year following a Change in Control (as defined in Section 5 below).

(b) Within 30 days following the occurrence of an Event of Termination, the Employer shall pay Executive, or, in the event of his subsequent death, his beneficiary or beneficiaries, or his estate, as the case may be, as severance pay or liquidated damages, or both, a lump sum cash amount equal to three times the sum of (x) highest annual rate of Base Salary paid to Executive at any time under the Agreement, and (y) the average annual i


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