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DOCUMENT TITLE:  HARVARD FEDERAL SAVINGS & LOAN ASSOCIATION DEFERRED FEE AGREEMENT .
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Clause Heading
2.1 - Initial Election.
2.2.1 - Generally.
2.2.2 - Hardship.
3.1 - Establishing and Crediting.
3.1.1 - Deferrals.
3.1.2 - Interest.
3.2 - Statement of Accounts.
3.3 - Accounting Device Only.
4.1 - Normal Termination Benefit.
4.1.1 - Amount of Benefit.
4.1.2 - Payment of Benefit.
4.2 - Early Termination Benefit.
4.2.1 - Amount of Benefit.
4.2.2 - Payment of Benefit.
4.3 - Disability Benefit.
4.3.1 - Amount of Benefit.
4.3.2 - Payment of Benefit.
4.4 - Change of Control Benefit.
4.4.1 - Amount of Benefit.
4.4.2 - Payment of Benefit.
4.5 - Hardship Distribution.
5.1 - Death During Active Service.
5.1.1 - Amount of Benefit.
5.1.2 - Payment of Benefit.
5.2 - Death During Benefit Period.
6.1 - Beneficiary Designations.
6.2 - Facility of Payment.
Article 7 - General Limitations
7.1 - Excess Parachute Payment.
7.2 - Termination for Cause.
7.3 - Suicide.
8.1 - Claims Procedure.
8.2 - Review Procedure.
Article 9 - Amendments and Termination
10.1 - Binding Effect.
10.2 - No Guaranty of Employment.
10.3 - Non-Transferability.
10.4 - Tax Withholding.
10.5 - Applicable Law.
10.6 - Unfunded Arrangement.
10.7 - Life Insurance.