Af Financial Group Watch

EX-10

from 8-K 13 pages Amended and Restated Retirement Plan for Board Members of Af Bank Restated Effective October 21, 2005

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EX-10.1

from 8-K ~10 pages Settlement Agreement

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EX-10.13

from 10KSB 17 pages Af Bankshares, Inc. Employment Agreement

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EX-10.11

from 10KSB 18 pages Af Bankshares, Inc. Employment Agreement

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EX-10.10

from 10KSB 16 pages Af Bankshares, Inc. Salary Continuation Fixed and Flexible Premium Life Insurance Agreement

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EX-10.9

from 10KSB 15 pages Af Bankshares, Inc. Salary Continuation Fixed and Flexible Premium Life Insurance Agreement

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EX-10.8

from 10KSB 6 pages Amendment No.4 Employee Stock Ownership Plan of Document: Wa01/3131226 Af Bank Draft Date: 12/03/02 Adopted on September 10, 1996 Board of Directors Effective on July 1, 1996 Approval Date: 12/16/02 Amendment

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EX-10.7

from 10KSB 4 pages Employee Stock Ownership Plan of Af Bank Amendment No. 3 Document: Tpw/Wa01/3126187 Draft Date: 04/01/02 Adopted on September 10, 1996 Effective on July 1, 1996 Board of Directors Approval Date: 4/15/02 Amendment

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EX-10.6

from 10KSB 7 pages Amendment No. 2 Employee Stock Ownership Plan of Af Bank Document: Draft Date: Tpw/Wa01/3126178 04/01/02 Adopted on September 10, 1996 Effective on July 1, 1996 Board of Directors Approval Date: 4/15/02 Amendment

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EX-10.5

from 10KSB 1 page Ashe Federal Bank Employee Stock Ownership Plan Amendment No. 1 Document: Draft Date: (Tpw) Ny02/1206618.1 11/11/97 (Effective July 1, 1996) Board of Directors Amendment Approval Date

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EX-10.2

from 10KSB 17 pages Af Bank Employment Agreement

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EX-10.1

from 10KSB 18 pages Af Bank Employment Agreement

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EX-10.4

from 10KSB ~50 pages Material contract

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EX-10.3

from 10KSB ~20 pages Material contract

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EX-10.2

from 10KSB ~20 pages Material contract

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EX-10.1

from 10KSB ~20 pages Material contract

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