Untitled

Board of Directors
Sound Financial, Inc.
2005 Fifth Avenue, Second Floor
Seattle, Washington 98121

Sincerely,

/s/ Silver, Freedman & Taff, L.L.P.

SILVER, FREEDMAN ∓ TAFF, L.L.P.

EX-8.3 9 ex8-3.htm

EXHIBIT 8.3

RP^® FINANCIAL, LC.

Financial Services Industry Consultants

September 19, 2007

Boards of Directors
Sound Community MHC
Sound Financial, Inc.
Sound Community Bank
2005 Fifth Avenue, 2^nd Floor
Seattle, Washington 98121

Re:	Plan of Reorganization Subscription Rights Sound Community MHC Sound Financial, Inc. Sound Community Bank

Members of the Boards of Directors:

All capitalized terms not otherwise defined in this letter have the meanings given such terms in the plan of reorganization and stock issuance (the "Plan") adopted by the Board of Directors of Sound Community Bank ("Sound" or the "Bank"). Pursuant to the Plan, Sound Financial, Inc. (the "Company") will issue a majority of its common stock to Sound Community MHC, a federal mutual holding company, and sell a minority of its common stock to the public.

We understand that in accordance with the Plan, subscription rights to purchase shares of common stock in the Company are to be issued to: (1) Eligible Account Holders; (2) Tax-Qualified Employee Plans; (3) Supplemental Eligible Account Holders; and (4) Other Members. Based solely upon our observation that the subscription rights will be available to such parties without cost, will be legally non-transferable and of short duration, and will afford such parties the right only to purchase shares of common stock at the same price as will be paid by members of the general public in the direct community offering, but without undertaking any independent investigation of state or federal law or the position of the Internal Revenue Service with respect to this issue, we are of the belief that, as a factual matter:

	(1)	the subscription rights will have no ascertainable market value; and
	(2)	the price at which the subscription rights are exercisable will not be more or less than the pro forma market value of the shares upon issuance.

Changes in the local and national economy, the legislative and regulatory environment, the stock market, interest rates, and other external forces (such as natural disasters or significant world events) may occur from time to time, often with great unpredictability and may materially impact the value of thrift stocks as a whole or the Company's value alone. Accordingly, no assurance can be given that persons who subscribe to shares of common stock in the subscription offering will thereafter be able to buy or sell such shares at the same price paid in the subscription offering.

Sincerely,

/s/ RP Financial, LC.

Rosslyn Center
1700 North Moore Street, Suite 2210
Arlington, VA 22209

Telephone: (703) 528-1700
Fax No.: (703) 528-1788
Toll-Free No.: (866) 723-0594

EX-10.1 10 ex10-1.htm

EXHIBIT 10.1

EMPLOYMENT AGREEMENT

THIS EMPLOYMENT AGREEMENT ("Agreement") is made and entered into as of this 1st day of January, 2007 by and between Sound Community Bank (hereinafter referred to as the "Bank") and Laura Lee Stewart (the "Employee").

WHEREAS, the Employee is currently serving as President/CEO of the Bank; and

WHEREAS, the Board of Directors believes it is in the best interests of the Bank to enter into this Agreement with the Employee in order to assure continuity of management of the Bank; and

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;

NOW, THEREFORE, in consideration of the foregoing and of the respective covenants and agreements of the parties herein, it is AGREED as follows:

1. Definitions.

(a) The term "Commencement Date" means the date of this Agreement as first above written.

(b) The term "Date of Termination" means the earlier of (1) the date upon which the Bank gives notice to the Employee of the termination of the Employee's employment with the Bank or (2) the date upon which the Employee ceases to serve as an employee of the Bank.

(c) The term "Involuntary Termination" means the Bank's termination of the employment of Employee without the Employee's express written consent, and shall include a material diminution of or interference with the Employee's duties, responsibilities and benefits as President/CEO of the Bank, 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 35 mile radius from the Bank'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 Bank 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 Bank-wide reduction in staff; (4) a material adverse change in the Employee's salary, perquisites, benefits, contingent benefits or vacation, other than as part of an overall program applied uniformly and with equitable effect to all members of the senior management of the Bank; and (5) a material permanent increase in the required hours of work or the workload of the Employee. The term "Involuntary Termination" 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 Bank's affairs under Section 8 of the Federal Deposit Insurance Act ("FDIA").

EMPLOYMENT AGREEMENT--
SCB and Laura Lee Stewart 1/1/2007

(d) The terms "Termination for Cause" and "Terminated for Cause" mean termination of the employment of the Employee because of the Employee'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. The Employee shall not be deemed to have been Terminated for Cause unless and until there shall have been delivered to the Employee a copy of a resolution, duly adopted by the affirmative vote of not less than a majority of the entire membership of the Board of Directors at a meeting of the Board called and held for such purpose (after reasonable notice to the Employee and an opportunity for the Employee, together with the Employee's counsel, to be heard before the Board), stating that in the good faith opinion of the Board the Employee has engaged in conduct described in the preceding sentence and specifying the particulars thereof in detail.

2. Term; Termination of Prior Employment Agreement. The term of this Agreement shall be a period of three 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, the term of this Agreement shall be extended for a period of one year in addition to the then remaining term, provided that (1) the Bank has not given notice to the Employee in writing at least 180 days prior to such anniversary that the term of this Agreement shall not be extended further; and (2) prior to such anniversary, the Board of Directors of the Bank 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.

3. Employment. The Employee is employed as President/CEO of the Bank. As such, the Employee shall render administrative and management services as are customarily performed by persons situated in similar executive capacities, and shall have such other powers and duties of an officer of the Bank as the Board of Directors may prescribe from time to time. The Employee shall devote her full business time and attention to her employment under this Agreement.

4. Compensation.

(a) Salary. The Bank agrees to pay the Employee during the term of this Agreement, not less frequently than monthly, the salary established by the Board of Directors, which shall be at least $255,000.00 annually. The amount of the Employee's salary shall be reviewed by the Board of Directors, beginning not later than the first anniversary of the Commencement Date. Adjustments in salary or other compensation shall not limit or reduce any other obligation of the Bank under this Agreement. The Employee's salary in effect from time to time during the term of this Agreement shall not thereafter be reduced.

(b) Discretionary Bonuses. The Employee shall be entitled to participate in an equitable manner with all other executive officers of the Bank in discretionary bonuses as authorized and declared by the Board of Directors to its executive employees. No other compensation provided for in this Agreement shall be deemed a substitute for the Employee's right to participate in such bonuses when and as declared by the Board of Directors.

EMPLOYMENT AGREEMENT--
SCB and Laura Lee Stewart 1/1/2007

(c) Expenses. The Employee shall be entitled to receive prompt reimbursement for all reasonable expenses incurred by the Employee in performing services under this Agreement in accordance with the policies and procedures applicable to the executive officers of the Bank, provided that the Employee accounts for such expenses as required under such policies and procedures.

5. Benefits.

(a) Participation in Retirement and Employee Benefit Plans. The Employee shall be entitled to participate in all plans relating to pension, thrift, profit-sharing, group life insurance, medical and dental coverage, education, cash bonuses, and other retirement, stock or employee benefits or combinations thereof, in which the Bank's full time employees generally participate.

(b) Sick Leave and Fringe Benefits. In the event of termination of this Agreement due to the Employee's disability or death, the Bank shall pay the Employee (or her legal successors) the amount of her salary for any accrued but unused sick leave. The Employee shall be eligible to participate in, and receive benefits under the Bank's sick leave plan and any other fringe benefit plans which are or may become applicable to the Bank's executive officers.

6. Vacations; Leave. The Employee shall be entitled to annual paid vacation in accordance with the policies established by the Board of Directors for executive employees and to voluntary leave of absence, with or without pay, from time to time at such times and upon such conditions as the Board of Directors may determine in its discretion.

7. Termination of Employment.

(a) Involuntary Termination. The Board of Directors may terminate the Employee's employment at any time, but, except in the case of Termination for Cause, termination of employment shall not prejudice the Employee's right to compensation or other benefits under this Agreement. In the event of Involuntary Termination, (1) the Bank shall pay to the Employee during the remaining term of this Agreement the Employee's salary at the annual rate in effect immediately prior to the Date of Termination, payable in such manner and at such times as such salary would have been payable to the Employee if she had continued to be employed under this Agreement, and (2) the Bank shall continue to provide to the Employee during the remaining term of this Agreement the same group health benefits and other group insurance and group retirement benefits as she would have received if she had continued to be employed under this Agreement, to the extent that the Bank can do so under the terms of applicable plans as are maintained by the Bank for the benefit of its executive officers from time to time during the remaining term of this Agreement.

EMPLOYMENT AGREEMENT--
SCB and Laura Lee Stewart 1/1/2007

(b) Termination for Cause. In the event of Termination for Cause, the Bank shall pay the Employee the Employee's salary through the Date of Termination, and the Bank shall have no further obligation to the Employee under this Agreement.

(c) Voluntary Termination. The Employee's employment may be voluntarily terminated by the Employee at any time upon 180 days' written notice to the Bank or such shorter period as may be agreed upon between the Employee and the Board of Directors of the Bank. In the event of such voluntary termination, the Bank shall be obligated to continue to pay to the Employee the Employee's salary and benefits only through the Date of Termination, at the time such payments are due, and the Bank shall have no further obligation to the Employee under this Agreement.

(d) Death; Disability. In the event of the death of the Employee while employed under this Agreement and prior to any termination of employment, the Employee's estate, or such person as the Employee may have previously designated in writing, shall be entitled to receive from the Bank the salary of the Employee through the last day of the calendar month in which the Employee died. If the Employee becomes disabled as defined in the Bank's then current disability plan, if any, or if the Employee is otherwise unable to serve as President/CEO, the Bank shall be entitled to terminate this Agreement except for its obligation to provide disability insurance under Section 5(b) during the portion of the term of this Agreement that would remain but for such termination, the Employee shall be entitled to receive benefits at least equivalent to those under the group and other disability income benefits of the type, if any, then provided by the Bank for executive officers generally.

(e) Temporary Suspension or Prohibition. If the Employee is suspended and/or temporarily prohibited from participating in the conduct of the Bank's affairs by a notice served under Section 8(e)(3) or (g)(1) of the FDIA, 12 U.S.C. § 1818(e)(3) and (g)(1), the Bank'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 Bank 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.

(f) Permanent Suspension or Prohibition. If the Employee is removed and/or permanently prohibited from participating in the conduct of the Bank's affairs by an order issued under Section 8(e)(4) or (g)(1) of the FDIA, 12 U.S.C. § 1818(e)(4) and (g)(1), all obligations of the Bank under this Agreement shall terminate as of the effective date of the order, but vested rights of the contracting parties shall not be affected.

(g) Default of the Bank. If the Bank 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.

EMPLOYMENT AGREEMENT--
SCB and Laura Lee Stewart 1/1/2007

(h) Termination by Regulators. 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 Bank: (1) by the Director of the Office of Thrift Supervision (the "Director") or his or her designee, at the time the Federal Deposit Insurance Corporation enters into an agreement to provide assistance to or on behalf of the Bank 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 Bank or when the Bank 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.

8. Certain Reduction of Payments by the Bank.

(a) 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 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 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.

(b) 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. 1828(k) and any regulations promulgated thereunder.

9. No Mitigation. 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 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.

10. Attorneys Fees. In the event the Bank exercises its right of Termination for Cause, but it is determined by a court of competent jurisdiction or by an arbitrator pursuant to Section 17 that cause did not exist for such termination, or if in any event it is determined by any such court or arbitrator that the Bank has failed to make timely payment of any amounts owed to the Employee under this Agreement, the Employee shall be entitled to reimbursement for all reasonable costs, including attorneys' fees, incurred in challenging such termination or collecting such amounts. Such reimbursement shall be in addition to all rights to which the Employee is otherwise entitled under this Agreement.

11. No Assignments.

(a) 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 Bank shall require any successor or assign

EMPLOYMENT AGREEMENT--
SCB and Laura Lee Stewart 1/1/2007

(whether direct or indirect, by purchase, merger, consolidation or otherwise) to all or substantially all of the business and/or assets of the Bank, 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 Bank would be required to perform it if no such succession or assignment had taken place. Failure of the Bank 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 Bank in the same amount and on the same terms as the compensation pursuant to Section 7(a) hereof. For purposes of implementing the provisions of this Section 11(a), the date on which any such succession becomes effective shall be deemed the Date of Termination.

(b) This Agreement and all rights of the Employee hereunder shall inure to the benefit of and be enforceable by the Employee'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's devisee, legatee or other designee or if there is no such designee, to the Employee's estate.

12. Notice. 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 Bank at its home office, to the attention of the Board of Directors with a copy to the Secretary of the Bank, or, if to the Employee, to such home or other address as the Employee has most recently provided in writing to the Bank.

13. Amendments. No amendments or additions to this Agreement shall be binding unless in writing and signed by both parties, except as herein otherwise provided.

14. Headings. 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.

15. Severability. 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.

16. Governing Law. 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 Washington.

17. Arbitration. 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. Judgment may be entered on the arbitrator's award in any court having jurisdiction.

EMPLOYMENT AGREEMENT--
SCB and Laura Lee Stewart 1/1/2007

IN WITNESS WHEREOF, the parties have executed this Agreement to be effective as of the day and year first above written.

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

SOUND COMMUNITY BANK

/s/ Tyler K. Myers

By: Tyler K. Myers

Its: Chairman of the Board

EMPLOYEE

/s/ Laura Lee Stewart

Laura Lee Stewart

EMPLOYMENT AGREEMENT--
SCB and Laura Lee Stewart 1/1/2007

AMENDMENTS TO THE
EMPLOYMENT AGREEMENT BETWEEN
LAURA LEE STEWART AND SOUND COMMUNITY BANK
TO COMPLY WITH INTERNAL REVENUE CODE SECTION 409A

WHEREAS, effective January 1, 2007, Laura Lee Stewart entered into an employment agreement with Sound Community Bank (the "Agreement"); and

WHEREAS, the Agreement includes provisions that provide for deferred compensation and, therefore, must be amended to comply with Section 409A of the Internal Revenue Code and the regulations and guidance of general applicability issued thereunder, effective as of September 1, 2007; and

WHEREAS, the Agreement may be amended by a writing signed by the parties to the Agreement.

NOW, THEREFORE, the foregoing considered, be it:

RESOLVED that effective September 1, 2007, the Agreement be amended to include the following Appendix A at the end thereof:

APPENDIX A
Provisions Relating to Code Section 409A

1. General Rules.

          (a)     Effective Date; Applicability. The provisions of this Appendix A apply to the Agreement as of September 1, 2007, except that the Agreement shall be operated in good-faith compliance with Section 409A, effective January 1, 2007.

          (b)     Precedence. The provisions of this Appendix A shall supersede the provisions of the Agreement to the extent those provisions are inconsistent with this Appendix A.

          (c)     Requirements of Code Section 409A Incorporated. The Agreement is intended to comply with Section 409A as defined herein, and the provisions of the Agreement shall be interpreted to satisfy the requirements of Section 409A.

2. Definitions. The following definitions are added to, or supersede, existing definitions in the Agreement:

"Section 409A" shall mean Section 409A of the Code, and any regulations or other guidance of general applicability issued thereunder.

"Specified Employee" means, for an applicable twelve (12) month period beginning on April 1, a key employee (as described in Code Section 416(i), determined without regard to paragraph (5) thereof) during the calendar year ending on the December 31 immediately preceding such April 1.

"Termination of Employment" shall have the same meaning as "separation from service", as that phrase is defined in Section 409A (taking into account all rules and presumptions provided for in the Section 409A regulations.)

3. Limitation on Distributions.

If and to the extent involuntary termination payments under Section 7(a)(1) constitute deferred compensation within the meaning of Section 409A, and the Employee is a Specified Employee, then the payment of such involuntary termination payments that constitute deferred compensation under Section 409A shall comply with Code Section 409A(a)(2)(B)(i) and the regulations thereunder, which generally provide that distributions of deferred compensation (within the meaning of Section 409A) to a Specified Employee that are payable on account of Termination of Employment may not commence prior to the six (6) month anniversary of the Employee's Termination of Employment (or, if earlier, the date of the Employee's death). Amounts that would otherwise be distributed to the Employee during such six (6) month period but for the preceding sentence shall be accumulated and paid to the Employee on the 185^th day following the date of the Employee's Termination of Employment.

IN WITNESS WHEREOF, this Amendment has been executed August 21, 2007, effective as of September 1, 2007.

SOUND COMMUNITY BANK

/s/ Tyler K. Myers

By: Tyler K. Myers

Its: Chairman of the Board

EMPLOYEE

/s/ Laura Lee Stewart

Laura Lee Stewart

EX-10.2 11 ex10-2.htm

EXHIBIT 10.2

Executive Long Term Compensation Agreement

This Agreement is made and entered into this 14th day of August, 2007 by and between Sound Community Bank, a bank organized and existing under the laws of the State of Washington and with its principal offices in Seattle, Washington, (hereinafter referred to as the "Bank" or "Employer"), and Laura Lee Stewart, an Executive of the Bank (hereinafter referred to as the "Executive").

RECITALS

WHEREAS, it is the consensus of the Employer and its Board of Directors that the Executive's employment with the Bank in the past has been of exceptional merit and has constituted an invaluable contribution to the general welfare of the Bank in bringing the Bank to its present status of operating efficiency and present position in its field of activity;

WHEREAS, the Employer, in concert with its Board of Directors, desires to establish a compensation benefit program as a fringe benefit for executives of the Employer in order to attract and retain individuals with extensive and valuable experience in the banking industry;

WHEREAS, the Executive's experience and knowledge of the affairs of the Employer and the banking industry are extensive and valuable;

WHEREAS, it is deemed to be in the best interests of the Employer to provide the Executive with certain fringe benefits, on the terms and conditions set forth herein, in order to reasonably induce the Executive to remain in the Bank's employ during the Executive's lifetime or until the age of retirement; and

WHEREAS, the Executive and the Employer wish to specify in writing the terms and conditions upon which this additional compensatory incentive will be provided to the Executive;

FURTHERMORE, it is the intent of the parties hereto that this Agreement be considered an unfunded arrangement maintained primarily to provide supplemental retirement benefits for the Executive, and be considered a non-qualified benefit plan for the purposes of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"); and

NOW, THEREFORE, in consideration of the past employment performance and the services to be performed by the Executive in the future, as well as the mutual promises and covenants contained herein, the Executive and the Employer agree as follows:

AGREEMENT

1.0 Scope, Purpose and Effect.

1.1 Contract of Employment. Although this Agreement is intended to provide the Executive with additional incentive to remain in the employ of the Employer, it shall not be deemed to constitute a contract of employment between the Executive and the Employer, nor shall any provision of this Non-qualified Agreement be applied to restrict or expand the right of the Employer to terminate the Executive's Employment with or without cause. This non-

qualified Agreement shall have no impact or effect upon any separate written employment agreement which the Executive may have with the Employer, it being the parties' intention and agreement that unless this non-qualified Agreement is specifically referenced in such employment agreement, the non-qualified Agreement (and the Employer's obligations thereunder) shall stand separate and apart and shall have no effect on or be affected by, the terms and provisions of any employment agreement. Events of termination of Employment shall be characterized, for purposes of interpreting this non-qualified Agreement, in accord with the definitions herein.

1.2 Fringe Benefit. The benefits provided by this Agreement are granted by the Employer as a fringe benefit to the Executive and are not a part of any salary reduction plan or any arrangement deferring a bonus or a salary increase. The Executive has no option to take any current payments or bonus in lieu of the benefits provided by this Agreement.

1.3 Internal Revenue Code Section 409A Compliance. It is the intent of the parties to comply with all applicable Internal Revenue Code Sections, including, but not limited to, Section 409A of the Code and the regulations and guidance of general applicability issued thereunder ("IRC 409A"). Thus, for any benefits payable pursuant to this Agreement, if the individual is a "specified employee" as defined by the Internal Revenue Service, and said Company is publicly traded at the time of "Separation from Service" (as defined by IRC 409A), any such benefit payment described herein shall be withheld for six (6) months following such Separation from Service in order to comply with IRC 409A. In addition, for any individual affected by this six (6) month delay in payment imposed by IRC 409A, and when applicable, the aggregate amount of the first seven (7) months of installments shall be paid at the beginning of the seventh month following the date of Separation from Service.

For the purposes of this Plan, the term "Retirement" shall be interpreted in accordance with and in concert with IRC 409A and the rules relating to "Separation from Service". Therefore, in order for a Participant to trigger the receipt of a benefit pursuant to this Agreement under the terms governing payments following Normal Retirement, the Participant must also have experienced a "Separation from Service."

Notwithstanding any provision existing in this Agreement or any amendment thereto, it is the intent of the Bank and the Executive that any payment or benefit provided pursuant to this Agreement shall be made and paid in a manner, at a time and in a form which complies with the applicable requirements of IRC 409A, in order to avoid any unfavorable tax consequences resulting from any such failure to comply.

2.0 Payments Upon Retirement.

2.1 Payments Upon Normal Retirement. In the event the Executive elects to Separate from Service on a date which constitutes Normal Retirement, then the Executive shall be entitled to be paid an annual Executive Benefit equal to One Hundred and Twenty-One Thousand, Three Hundred and Seven Dollars. Subject to Sections 1.3 and 3.2, this annual amount shall be paid in twelve (12) substantially equal monthly installments, with payments commencing on the first day of the first month following the Executive's Separation from Service and continuing until Executive's death.

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3.0 Payments in the Event of Disability or Death.

3.1 Disability. In the event the Executive becomes Disabled at any time after the Effective Date of this Agreement but prior to Normal Retirement, the Executive shall be entitled to be paid the Accrued Liability Balance in lump sum on the first day of the first month following the Board's determination that the Executive is Disabled.

3.2 Death. There are no death benefits payable under this Agreement (such benefits are described by a Joint Beneficiary Designation Agreement, if any). Nor will Executive Benefit Payments be made after the Executive dies, regardless of whether such death occurs before or after termination, and regardless of whether payments have already begun pursuant to this Agreement.

4.0 Payments in the Event Executive Separates from Service Prior to Normal Retirement, or as Otherwise Described.

As indicated in Paragraph 1.1 above, the Employer reserves the right to terminate the Executive's Employment, with or without Cause but subject to any written employment agreement which may then exist, at any time prior to the Executive's retirement. In the event that Executive experiences a Separation from Service, other than by reason of Normal Retirement or Disability, then, for the following events of termination, as applicable, the Executive shall be entitled to the benefits described below which correspond to the circumstances surrounding the Executive's Separation from Service.

4.1 Involuntary Termination. In the event the Executive is Involuntarily Terminated prior to qualifying for Normal Retirement, then she shall be entitled to receive the Accrued Liability Balance. Subject to Section 1.3, the Accrued Liability Balance shall be paid out in lump sum within sixty (60) days of Executive's Separation from Service (subject to the conditions imposed by Paragraph 4.2 and IRC 409A). An Involuntary Termination after Executive attains the Normal Retirement age shall be governed by the provisions of Paragraph 2.1.

4.2 Involuntary Termination on Account of or After a Change in Control. In the event the Executive's experiences an Involuntary Termination in connection with a Change in Control, then the Executive shall be entitled to the benefit described in Paragraph 2.1; subject to the reduction provided for in Section 5.0.

4.3 Voluntary Separation from Service by the Executive. If the Executive experiences a Voluntary Termination prior to attaining her Normal Retirement age, she shall forfeit any and all rights and benefits she may have under the terms of this Agreement and shall have no right to be paid any of the amounts which would otherwise be due or paid to the Executive by the Employer pursuant to the terms of this Agreement.

4.4 Termination for Cause. If the Executive experiences a Termination for Cause, she shall forfeit any and all rights and benefits she may have under the terms of this Agreement and shall have no right to be paid any of the amounts which would otherwise be due or paid to the Executive by the Bank pursuant to the terms of this Agreement.

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5.0 IRS Section 280G Issues. 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 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 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.

6.0 Right To Determine Funding Methods. The Employer reserves the right to determine, in its sole and absolute discretion, whether, to what extent and by what method, if any, to provide for the payment of the amounts which may be payable to the Executive, under the terms of this Agreement. In the event that the Employer elects to fund this Agreement, in whole or in part, through the use of life insurance or annuities, or both, the Employer shall determine the ownership and beneficial interests of any such policy of life insurance or annuity. The Employer further reserves the right, in its sole and absolute discretion, to terminate any such policy, and any other device used to fund its obligations under this Agreement, at any time, in whole or in part. Consistent with Paragraph 9 below, the Executive shall have no right, title or interest in or to any funding source or amount utilized by the Employer pursuant to this Agreement, and any such funding source or amount shall not constitute security for the performance of the Employer's obligations pursuant to this Agreement. In connection with the foregoing, the Executive agrees to execute such documents and undergo such medical examinations or tests which the Employer may request and which may be reasonably necessary to facilitate any funding for this Agreement including, without limitation, the Employer's acquisition of any policy of insurance or annuity.

7.0 Administrative and Claims Provision.

7.1 Named Fiduciary and Plan Administrator: The "Named Fiduciary and Plan Administrator" of this Agreement shall be the Board of Directors of Sound Community Bank, or a committee designated by the Board of Directors, until their resignation or removal by the Board. As Named Fiduciary and Plan Administrator, the Bank shall be responsible for the management, control and administration of the Agreement. The Named Fiduciary and Plan Administrator may delegate to others certain aspects of the management and operation responsibilities of the Agreement including the employment of advisors and the delegation of ministerial duties to qualified individuals

7.2 Claims Procedure and Arbitration: In the event a dispute arises over benefits under this Agreement and benefits are not paid to the Executive (or to the Executive's beneficiary(ies) in the case of the Executive's death) and such claimants feel they are entitled to receive such benefits, then a written claim must be made to the Named Fiduciary and Plan Administrator named above within sixty (60) days from the date payments are refused. The Named Fiduciary and Plan Administrator shall review the written claim and if the claim is denied, in whole or in part, they shall provide in writing within sixty (60) days of receipt of such claim the specific reasons for such denial, reference to the provisions of this Agreement upon which the denial is based and any additional material or information necessary to perfect the

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claim. Such written notice shall further indicate the additional steps to be taken by claimants if a further review of the claim denial is desired. A claim shall be deemed denied if the Named Fiduciary and Plan Administrator fail to take any action within the aforesaid sixty-day period.

If claimants desire a second review they shall notify the Named Fiduciary and Plan Administrator in writing within sixty (60) days of the first claim denial. Claimants may review this Agreement or any documents relating thereto and submit any written issues and comments they may feel appropriate. In their sole discretion, the Named Fiduciary and Plan Administrator shall then review the second claim and provide a written decision within sixty (60) days of receipt of such claim. This decision shall likewise state the specific reasons for the decision and shall include reference to specific provisions of the Agreement upon which the decision is based.

If claimants continue to dispute the benefit denial based upon completed performance of this Agreement or the meaning and effect of the terms and conditions thereof, then claimants may submit the dispute to an arbitrator for final arbitration. The arbitrator shall be selected by mutual agreement of the Bank and the claimants. The arbitrator shall operate under any generally recognized set of arbitration rules. The parties hereto agree that they and their heirs, personal representatives, successors and assigns shall be bound by the decision of such arbitrator with respect to any controversy properly submitted to it for determination.

Where a dispute arises as to the Bank's discharge of the Executive "for cause," such dispute shall likewise be submitted to arbitration as above described and the parties hereto agree to be bound by the decision thereunder.

8.0 Status as an Unsecured General Creditor and Rabbi Trust. Notwithstanding anything contained herein to the contrary: (i) the Executive shall have no legal or equitable rights, interests or claims in or to any specific property or assets of the Employer as a result of this Agreement; (ii) none of the Employer's assets shall be held in or under any trust for the benefit of the Executive or held in any way as security for the fulfillment of the obligations of the Employer under this Agreement; (iii) all of the Employer's assets shall be and remain the general unpledged and unrestricted assets of the Employer; (iv) the Employer's obligation under this Agreement shall be that of an unfunded and unsecured promise by the Employer to pay money in the future; and (v) the Executive shall be an unsecured general creditor with respect to any benefits which may be payable under the terms of this Agreement.

Notwithstanding subparagraphs (i) through (v) above, the Employer and the Executive acknowledge and agree that, in the event of a Change in Control, upon request of the Executive, or in the Employer's discretion if the Executive does not so request and the Employer nonetheless deems it appropriate, the Employer shall establish, not later than the effective date of the Change in Control, a rabbi trust or multiple rabbi trusts (the "Trust" or "Trusts") upon such terms and conditions as the Employer, in its sole discretion, deems appropriate and in compliance with applicable provisions of the Code; in order to permit the Employer to make contributions and/or transfer assets to the Trust or Trusts to discharge its obligations pursuant to this Agreement. The principal of the Trust or Trusts and any earnings thereon shall be held separate and apart from other funds of the Employer to be used exclusively for discharge of the

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Employer's obligations pursuant to this Agreement and shall continue to be subject to the claims of the Employer's general creditors until paid to the Executive in such manner and at such times as specified in this Agreement.

9.0 Miscellaneous.

9.1 Opportunity To Consult With Independent Advisors. The Executive acknowledges that she has been afforded the opportunity to consult with independent advisors of her choosing including, without limitation, accountants or tax advisors and counsel regarding both the benefits granted to her under the terms of this Agreement and the (i) terms and conditions which may affect the Executive's right to these benefits, and (ii) personal tax effects of such benefits including, without limitation, the effects of any federal or state taxes, Section 280G of the Code, and any other taxes, costs, expenses or liabilities whatsoever related to such benefits, which in any of the foregoing instances the Executive acknowledges and agrees shall be the sole responsibility of the Executive notwithstanding any other term or provision of this Agreement. The Executive further acknowledges and agrees that the Employer shall have no liability whatsoever related to any such personal tax effects or other personal costs, expenses, or liabilities applicable to the Executive and further specifically waives any right for herself or herself, and her or her heirs, beneficiaries, legal representatives, agents, successor and assign to claim or assert liability on the part of the Employer related to the matters described above in this Paragraph 9.1. The Executive further acknowledges that she has read, understands and consents to all of the terms and conditions of this Agreement, and that she enters into this Agreement with a full understanding of its terms and conditions.

9.2 Notice. Any notice required or permitted of either the Executive or the Employer under this Agreement shall be deemed to have been duly given, if by personal delivery, upon the date received by the party or its authorized representative; if by facsimile, upon transmission to a telephone number previously provided by the party to whom the facsimile is transmitted as reflected in the records of the party transmitting the facsimile and upon reasonable confirmation of such transmission; and if by mail, on the third day after mailing via U.S. first class mail, registered or certified, postage prepaid and return receipt requested, and addressed to the party at the address given below for the receipt of notices, or such changed address as may be requested in writing by a party.

If to the Employer:	Sound Community Bank 2005 Fifth Ave #2 Seattle, WA 98121
If to the Executive:	Laura Lee Stewart PO Box 34155 Seattle, WA 98124

9.3 Alienability and Assignment Prohibition. Neither the Executive, nor the Executive's surviving spouse, nor any other beneficiary(ies) under this Agreement shall have any power or right to transfer, assign, anticipate, hypothecate, mortgage, commute, modify or otherwise encumber in advance any of the benefits payable hereunder, nor, prior to payment in accordance with the terms of this Agreement, shall any portion of such amounts be: (i) subject to

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seizure by any creditor of the Executive, by a proceeding at law or in equity, for the payment of any debts, judgments, alimony or separate maintenance obligations which may be owed by the Executive or his beneficiary(ies); or (ii) transferable by operation of law in the event of bankruptcy, insolvency or otherwise. In the event the Executive or any beneficiary attempts assignment, commutation, hypothecation, transfer or disposal of the benefits hereunder, any such attempted assignment or transfer shall be void.

9.4 Binding Effect/Merger or Reorganization. This Agreement shall be binding upon and inure to the benefit of the Executive and the Employer. Accordingly, the Employer shall not merge or consolidate into or with another bank or corporation, or reorganize or sell substantially all of its assets to another bank, corporation, firm or person, unless and until such succeeding or continuing bank, corporation, firm or person expressly agrees, in writing, to assume and discharge the duties and obligations of the Employer under this Executive Agreement. This Executive Agreement shall be binding upon the parties hereto, their successors, beneficiaries, heirs and personal representatives.

9.5 Nonwaiver. The failure of either party to enforce at any time or for any period of time any one or more of the terms or conditions of this Agreement shall not be a waiver of such term(s) or condition(s) or of that party's right thereafter to enforce each and every term and condition of this Agreement.

9.6 Partial Invalidity. If any terms, provision, covenant, or condition of this Agreement is determined by an arbitrator or a court, as the case may be, to be invalid, void, or unenforceable, such determination shall not render any other term, provision, covenant or condition invalid, void or unenforceable, and the Agreement shall remain in full force and effect notwithstanding such partial invalidity.

9.7 Entire Agreement. This Agreement supersedes any and all other agreements, either oral or in writing, between the parties with respect to the subject matter of this Agreement and contains all of the covenants and agreements between the parties with respect thereto. Each party to this Agreement acknowledges that no other representations, inducements, promises, or agreements, oral or otherwise, have been made by any party, or anyone acting on behalf of any party, which are not set forth herein, and that no other agreement, statement, or promise not contained in this Agreement shall be valid or binding on either party.

9.8 Amendment or Revocation. Subject to Paragraph 11.0, it is agreed by and between the parties hereto that, during the lifetime of the Executive, this Agreement may be amended or revoked at any time or times, in whole or in part, by the mutual written consent of the Executive and the Bank. Furthermore, the parties reserve the right to amend this agreement as necessary in order to comply with IRC 409A. This Agreement may be revoked only if all of the requirements of IRC 409A regarding plan terminations are satisfied. Furthermore, this Agreement shall be administered in compliance with IRC 409A and the related rules, regulations and notices. Any section of this Agreement which violates IRC 409A and the related rules, regulations and notices shall be void and without effect unless the parties mutually agree otherwise in writing.

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9.9 Paragraph Headings. The paragraph headings used in this Agreement are included solely for the convenience of the parties and shall not affect or be used in connection with the interpretation of this Agreement.

9.10 No Strict Construction. The language used in this Agreement shall be deemed to be the language chosen by the parties hereto to express their mutual intent, and no rule of strict construction will be applied against any person.

9.11 Governing Law. The laws of the State of Washington, other than those laws denominated choice of law rules, and where applicable, the rules and regulations of the Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Office of Thrift Supervision or any other regulatory agency or governmental authority having jurisdiction over the Employer, shall govern the validity, interpretation, construction and effect of this Agreement.

10.0 Non-competition. Executive shall be subject to a non-competition covenant for Twenty-Four (24) months following her Separation from Service (as applicable, the "Non-compete Period"). During the Non-compete Period, Executive shall not be employed by or serve on the Board of, or act in any capacity, either directly or indirectly or otherwise "participate" (as defined below) in any business conducting any of the types of business conducted by Bank at the time of termination of service in any market area in Western Washington as bordered by the State line to the North and South and West and the Cascade Mountains to the East. For purposes of this Agreement, the term "participate" includes, without limitation, any direct or indirect interest in any such business, whether as an Executive, director, consultant, employee, partner, sole proprietor, stockholder, owner, or otherwise, other than by ownership of less than one percent (1%) of the stock of any financial institution providing services within Western Washington as described above. This prohibition shall also include participation, planning, or consulting for any startup financial organization.

12.0 Termination or Modification of Agreement by Reason of Changes in the Law, Rules or Regulations. The Bank is entering into this Agreement upon the assumption that certain existing tax laws, The Code, rules and regulations will continue in effect in their current form. If any said assumptions should change and said change has a detrimental effect on the Bank, then the Bank reserves the right to terminate or modify this Agreement accordingly.

12.0 Terms and Definitions.

12.1 Accrued Liability Balance. For the purposes of this Agreement, Accrued Liability Balance means the liability that should be accrued by the Employer, under Generally Accepted Accounting Principles ("GAAP"), for the Employer's obligation to the Executive under this Agreement, by applying Accounting Principles Board Opinion Number 12 ("APB 12") as amended by Statement of Financial Accounting Standards Number 106 ("FAS 106") and an appropriate discount rate as determined by the Bank. Any one of a variety of amortization methods may be used to determine the Accrued Liability. However, once chosen, the method must be consistently applied.

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12.2 Board of Directors. The Board of Directors shall mean the Board of Directors for Sound Community Bank, hereinafter "the Board".

12.3 Change in Control. Change in Control shall be defined as follows:

	(A)	The acquisition of more than fifty percent (50%) of the fair market value of Employer or more than fifty percent (50%) of the voting power of the Employer's stock by a person or group;
	(B)	The acquisition in a period of twelve (12) months or less of at least thirty-five percent (35%) of the Employer's stock (voting power of the stock) by a person or group;
	(C)	The replacement of a majority of the Employer's Board in a period of twelve (12) months or less by directors who were not endorsed by a majority of the Board members serving immediately prior to such replacement; or
	(D)	The acquisition in a period of twelve (12) months or less of forty percent (40%) or more of the total gross fair market value of Employer's assets (immediately prior to the acquisition) by an unrelated entity.

For the purpose of this Agreement, transfers made on account of deaths or gifts, transfers between family members or transfers to a qualified retirement plan maintained by the Bank shall not be considered in determining whether there has been a Change in Control.

12.4 Disability/Disabled. For the purpose of this Agreement, the Executive will be
considered disabled if she is considered disabled within the meaning of IRC 409A:

12.5 Effective Date. The term "Effective Date" shall mean the date identified as such in the opening paragraph of this Agreement.

12.6 ERISA. The term "ERISA" shall mean the Employee Retirement Income Security Act of 1974, as amended.

12.7 Employment. The term "Employment" shall mean salaried employment with the Employer.

12.8 Executive Benefit. The term "Executive Benefit" shall mean the annual benefit amounts determined pursuant to Paragraphs 1 through 5 (including sub-paragraphs, as applicable), forfeited, reduced or adjusted to the extent: (a) required under the other provisions of this Agreement, including, but not limited to Paragraphs 3, through 5, as applicable; (b) required by reason of the lawful order of any regulatory agency or body having jurisdiction over the Employer; or (c) required in order for the Employer to comply with any and all applicable state and federal laws, including, but not limited to, income, employment and disability income tax laws (e.g., FICA, FUTA, SDI).

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In addition, it is the intent of the parties to comply with all applicable Internal Revenue Code Sections, including, but not limited to, IRC 409A.

12.9 Involuntary Termination. The term "Involuntary Termination" shall have the same meaning as "involuntary separation from service," as that phrase is defined in the regulations under IRC 409A, other than a Separation from Service (i) for Cause; (ii) in connection with a Change in Control; or (iii) on account of Disability.

12.10 Normal Retirement. The term "Normal Retirement" shall mean the Executive's Separation from Service (for any reason other than for Cause) following the Executive's attainment of age sixty-six (66).

12.11 Separation from Service. The term "Separation from Service" shall mean the termination of the Executive's employment with the Bank (or an entity required to be affiliated with the Bank under IRC 409A). Whether a Separation from Service has occurred shall be determined in accordance with IRC 409A (taking into account all special rules and presumptions provided for in the regulations under IRC 409A), based on both the facts and circumstances surrounding the termination of the Executive's employment and whether the Executive and the Bank reasonably anticipate that no further substantial services will be performed by the Executive for the Bank after a certain date (whether as an employee or independent contractor).

12.12 Termination for Cause. The term "Termination for Cause" shall mean the Executive's Separation from Service by reason of "Cause," in which includes by reason of any of the following: (i) gross negligence or neglect, (ii) the commission of a felony or misdemeanor involving moral turpitude, fraud or dishonesty; or (iii) the willful violation of any law, rule or regulation (other than a traffic violation or similar offense) which results in adverse consequences for the Bank, (iv) failure to perform stated duties such that the failure adversely impacts the Bank or (v) a breach of fiduciary duty involving personal profit. If a dispute arises as to discharge "for Cause", such dispute shall be resolved by arbitration as set forth in this Agreement.

12.13 The Code. The "Code" shall mean the Internal Revenue Code of 1986, as amended (the "Code").

12.14 Voluntary Termination. The term "Voluntary Termination" shall mean voluntary Separation from Service by the Executive prior to Normal Retirement age.

IN WITNESS WHEREOF, the Employer and the Executive have executed this Agreement on the date first above-written in the City of Seattle, Washington.

SOUND COMMUNITY BANK

By	/s/ Tyler Myers Tyler Myers	Date:	August 14, 2007

Title	Chairman of the Board

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EXECUTIVE

By	/s/ Laura Lee Stewart Laura Lee Stewart	Date:	August 14, 2007

Witness		Witness

11 EX-10.3 12 ex10-3.htm

EXHIBIT 10.3

EXECUTIVE LONG TERM COMPENSATION AGREEMENT

This Agreement is made and entered into this 14th day of August 2007, by and between Sound Community Bank, a bank organized and existing under the laws of the State of Washington and with its principal offices in Seattle, Washington, (hereinafter referred to as the "Bank" or "Employer"), and Patricia Floyd, an Executive of the Bank (hereinafter referred to as the "Executive").

RECITALS

WHEREAS, the Executive's experience, knowledge of the affairs of the Bank, reputation, and contacts in the industry are so valuable that assurance of the Executive's continued services is essential for the future growth and profits of the Bank and it is in the best interests of the Bank to arrange terms of continued employment for the Executive so as to reasonably assure the Executive's remaining in the Bank's employment during the Executive's lifetime or until the age of retirement;

WHEREAS, it is the desire of the Bank that the Executive's services be retained as herein provided;

WHEREAS, the Executive has been fully advised of the Bank's financial status;

WHEREAS, the Executive is willing to continue in the employ of the Bank provided the Bank agrees to pay the Executive certain benefits in accordance with the terms and conditions hereinafter set forth;

ACCORDINGLY, it is the desire of the Bank and the Executive to enter into this Agreement under which the Bank will agree to make certain payments to the Executive pursuant to this Agreement;

FURTHERMORE, it is the intent of the parties hereto that this Executive Plan be considered an unfunded arrangement maintained primarily to provide long term compensation benefits for the Executive and be considered a non-qualified benefit plan for purposes of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"). It also is the intent of the parties to comply with all applicable sections of the Internal Revenue Code ("IRC"), including but not limited to, IRC Section 409A and the regulations and guidance of general applicability thereunder ("IRC 409A");

NOW, THEREFORE, in consideration of services to be performed in the future as well as of the mutual promises and covenants herein contained it is agreed as follows:

EMPLOYMENT.

The Bank agrees to employ the Executive in such capacity as the Bank may from time to time determine. The Executive will continue in the employ of the Bank in such capacity and with such duties and responsibilities as may be assigned to her, and with such compensation as may be determined from time to time by the Board of Directors of the

Bank. For the purposes of this Agreement, the term "Employment" or "Employed" shall mean full time salaried employment with the Employer.

FRINGE BENEFITS.

The benefits provided by this Agreement are granted by the Bank as a fringe benefit to the Executive and are not part of any salary reduction plan or an arrangement deferring a bonus or a Salary increase. The Executive has no option to take any current payment or bonus in lieu of these benefits except as set forth hereinafter.

LONG TERM COMPENSATION BENEFIT.

In the event that the Executive remains Employed by the Bank until she attains Sixty-Six (66) years of age, then she (or her Beneficiary[ies] designated in accordance with the provisions of this Agreement) shall be entitled to receive an annual benefit of Twenty-Five Thousand, Four Hundred and Forty-Two Dollars ($25,442) for a period of ten (10) years. Such annual benefit amount shall be paid in twelve (12) substantially equal monthly installments, commencing on the first day of the first month following Executive's Sixty-Sixth (66th) Birthday and shall continue for a period of One Hundred and Twenty Months.

In the event Executive dies after becoming entitled to receive benefits under this provision, but prior to receiving any or all such benefits, then the Bank shall make such outstanding benefit payments as were due to the Executive to the Executive's designated Beneficiary(ies) in such amounts and at such times as would have been made had Executive survived.

Furthermore, a Beneficiary Designation shall be valid only if it is in the form attached hereto and made a part hereof, and is completed and signed by the Executive and received by the Administrator prior to the Executive's death.

BENEFIT ACCOUNTING.

The Bank shall account for benefits under this Agreement in such manner as it determines, in its discretion, is appropriate, but in any case in accordance with U.S. Generally Accepted Accounting Principals and all applicable regulatory accounting principles of the Bank's primary federal regulator.

EFFECT OF TERMINATION OF EMPLOYMENT.

In the event that the Executive experiences a "Separation from Service" as defined in IRC 409A (taking into account all special rules and presumptions provided for in the regulations under IRC 409A) with the Bank prior to attaining Sixty-Six (66) years of age, then she (or her Beneficiary[ies] designated in accordance with the provisions of this Agreement) shall be entitled to receive one of the following benefit amounts, if any, depending on the circumstances of such termination.

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(A) Termination for Cause: In the event the Executive is Terminated for Cause by the Bank at any time before she attains Sixty-Six (66) years of age, then all benefits provided herein shall be forfeited. The term "Terminated for Cause" shall mean the Executive's Separation from Service by reason of any of the following: (i) gross negligence or neglect; (ii) the commission of a felony or misdemeanor involving moral turpitude, fraud or dishonesty; (iii) the willful violation of any law, rule or regulation (other than a traffic violation or similar offense); (iv) failure to perform stated duties; or (v) a breach of fiduciary duty involving personal profit.

(B) Voluntary Termination: Except as provided in paragraphs 5(E) or 5(F), which shall control, in the event the Executive experiences a voluntarily Separation from Service at any time before attaining age Sixty-Six (66), then all benefits provided herein shall be forfeited.

(C) Involuntary Termination: Except as provided in paragraphs 5(A), 5(E) and 5(F), which shall control, in the event the Executive experiences an Involuntary Termination before she attains Sixty-Six (66) years of age, the Executive shall receive the Accrued Liability Balance in lump sum. Such lump sum payment shall be made within Sixty (60) days of the Executive's Involuntary Termination. The term "Involuntary Termination" shall have the same meaning as "involuntary separation from service" as that phrased is defined in the regulations under IRC 409A. "Accrued Liability Balance" means the liability that should be accrued by the Bank, under Generally Accepted Accounting Principles ("GAAP"), for the Bank's obligation to the Executive under this Agreement, by applying Accounting Principles Board Opinion Number 12 ("APB 12") as amended by Statement of Financial Accounting Standards Number 106 ("FAS 106") and a discount rate as determined by the Bank. Any one of a variety of amortization methods may be used to determine the Accrued Liability Balance. However, once chosen, the method must be consistently applied.

(D) Termination Due to Death: In the event Executive dies while Employed by the Bank, but prior to attaining age Sixty-Six (66), then Executive's Beneficiary[ies] designated in accordance with the provisions of this Agreement shall be entitled to receive the Accrued Liability Balance, in one Imp sum payment. Such lump sum payment shall be made within Sixty (60) days of Bank's receipt of formal written notice of Executive's death (including a certified Death Certificate).

(E) Disability: In the event the Executive becomes Disabled (within the meaning of IRC 409A) prior to her Sixty-Sixth (66th) birthday, but while Employed by the Bank, the Executive shall be entitled to receive the Accrued Liability Balance in lump sum. Such lump sum payment shall be made within Sixty (60) days of the Bank's determination of Disability.

(F) Termination in Connection With a Change in Control: In the event the Executive experiences an Involuntary Termination within 24 months following a change in control (other than a Termination for Cause) the Executive shall be entitled to

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receive the Accrued Liability Balance in one lump sum payment. Such lump sum payment shall be made within Sixty (60) days of the Executive's Involuntary Termination.

For the purposes of determining whether a Change in Control has occurred, Change in Control shall be defined as follows:

(i) The acquisition of more than fifty percent (50%) of the fair market value of Employer or more than f fly percent (50%) of the voting power of the Employer's stock by a person or group;

(ii) The acquisition in a period of twelve (12) months or less of at least thinly-five percent (35%) of the Employer's stock (voting power of the stock) by a person or group;

(iii) The replacement of a majority of the Employer's board of directors in a period of twelve (12) months or less by directors who were not endorsed by a majority of the board members serving immediately prior to such replacement; or

(iv) The acquisition in a period of twelve (12) months or less of forty percent (40%) or more of the total gross fair market value of Employer's assets (immediately prior to the acquisition) by an unrelated entity.

For the purpose of this Agreement, transfers made on account of deaths or gifts, transfers between family members or transfers to a qualified retirement plan maintained by the Bank shall not be considered in determining whether there has been a Change in Control.

(G) If the Executive is a "Specified Employee" (as defined by IRC 409A), any benefit payment described in subparagraph 5(C) or 5(F) shall be withheld for six (6) months following the Executive's "Separation from Service" (as that phrase is defined in IRC 409A), in order to comply with IRC 409A. For any Executive affected by this six (6) month delay in payment imposed by IRC 409A, and when monthly installment payments are called for, the aggregate amount of the first seven (7) months of installments shall be paid at the beginning of the seventh month following the date of Separation from Service.

MISCELLANEOUS.

(A) Status as an Unsecured General Creditor: Notwithstanding anything contained herein to the contrary: (i) the Executive shall have no legal or equitable rights, interests, or claims in or to any specific property or assets of the Bank as a result of this Agreement; (ii) none of the Bank's assets shall be held in or under any trust for the benefit of the Executive or held in any way as security for the fulfillment of the obligations of the Bank under this Agreement; (iii) all of the Bank's assets shall be and remain the general unpledged and unrestricted assets of the Bank; (iv) the Bank's obligation under this Agreement shall be that of an

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unfunded and unsecured promise by the Bank to pay money in the future; and (v) the Executive shall be an unsecured general creditor with respect to any benefits which may be payable under the terms of this Agreement.

Notwithstanding the above, the Executive and the Bank acknowledge and agree that, in the event of a Change in Control and at the written request of the Executive, the Bank shall establish, not later than the effective date of the Change in Control, a rabbi trust or multiple rabbi trusts (the "Trust" or "Trusts") upon such terms and conditions as the Bank in its sole discretion deems appropriate and in compliance with applicable provisions of the IRC in order to permit the Bank to make contributions and/or transfer assets to the Trust or Trusts to discharge its obligations pursuant to this Agreement. The principal of the Trust or Trusts and any earnings thereon shall be held separate and apart from other funds of the Bank to be used exclusively for discharge of the Bank's obligations pursuant to this Agreement and shall continue to be subject to the claims of the Bank's general creditors until paid to the Executive in such manner and at such times as specified in this Agreement.

(B) Binding Obligation of the Bank and any Successor in Interest: The Bank shall not merge or consolidate into or with another bank or sell substantially all of its assets to another bank, firm or person until such bank, firm or person expressly agrees, in writing, to assume and discharge the duties and obligations of the Bank under this Agreement. This Agreement shall be binding upon the parties hereto, their successors, beneficiaries, heirs and personal representatives.

(C) Amendment or Revocation: It is agreed by and between the parties hereto that, during the lifetime of the Executive, this Agreement may be amended or revoked at any time or times, in whole or in part, by the mutual written consent of the Executive and the B. This Agreement may be revoked only if all of the requirements of IRC 409A regarding plan terminations are satisfied.

(D) Effect on Other Bank Benefit Plans: Nothing contained in this Agreement shall affect the right of the Executive to participate in or be covered by any qualified or non-qualified pension, profit-sharing, group, bonus or other supplemental compensation or fringe benefit plan constituting a part of the Bank's existing or future compensation structure.

(E) Headings: Headings and subheadings in this Agreement are inserted for reference and convenience only and shall not be deemed a part of this Agreement.

(F) Applicable Law: The validity and interpretation of this Agreement shall be governed by the laws of the State of Washington.

(G) 12 U.S.C. § 1828(k): Any payments made to the Executive pursuant to this Agreement, or otherwise, are subject to and conditioned upon their compliance with 12 U.S.C. § 1828(k) or any regulations promulgated thereunder.

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(H) Partial Invalidity: If any term, provision, covenant, or condition of this Agreement is determined by an arbitrator or a court, as the case may be, to be invalid, void, or unenforceable, such determination shall not render any other term, provision, covenant, or condition invalid, void, or unenforceable, and the Agreement shall remain in full force and effect notwithstanding such partial invalidity.

(I) Not a Contract of Employment: This Agreement shall not be deemed to constitute a contract of employment between the parties hereto that changes Executive's status as an "at-will" employee of the Bank, nor shall any provision hereof restrict the right of the Bank to discharge the Executive, or restrict the right of the Executive to terminate employment at any time or for any reason.

(J) Confidentiality: Executive shall keep the existence of this Agreement and all terms herein (including, without limitation, the amount of any benefits received hereunder) strictly confidential. Executive shall keep this Agreement in a secure, private location and shall use his best efforts to prevent this Agreement from being seen by others, including, but not limited to, co-workers.

(K) Non-Competition: Notwithstanding any contrary provisions of this Agreement, in the event any of the following events occur, whether before or after Executive begins to receive benefits under this Agreement, then Executive's right to receive such benefits, and the Bank's obligation to provide such benefits, shall immediately terminate: Executive is employed by, performs services for, or engages in any business or activities that competes with the Bank (or any entity or business owned by Bank). In the event of a breach by Executive of this Paragraph 6(K), Bank shall have the right to seek injunctive relief, in addition to, and not in lieu of, any other legal or equitable rights and remedies available to it. If a court of competent jurisdiction shall find the foregoing provisions illegal or unenforceable in any way or for any other reason whatsoever, the court may reform such provisions to the minimum extent necessary to make such provisions legal and enforceable, so as to permit maximum restrictions that are legal and enforceable to be applied to the Executive's ability to compete with Bank (or any entity or business owned by Bank).

ERISA PROVISIONS.

(A) Named Fiduciary and Plan Administrator: The "Named Fiduciary and Plan Administrator" of this Agreement shall be the Board of Directors of Sound Community Bank, or a committee designated by the Board of Directors, until their resignation or removal by the Board. As Named Fiduciary and Plan Administrator, the Bank shall be responsible for the management, control and administration of the Agreement. The Named Fiduciary may delegate to others certain aspects of the management and operation responsibilities of the Agreement including the employment of advisors and the delegation of ministerial duties to qualified individuals.

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(B) Claims Procedure and Arbitration: In the event a dispute arises over benefits under this Agreement and benefits are not paid to the Executive (or to the Executive's beneficiary(ies) in the case of the Executive's death) and such claimants feel they are entitled to receive such benefits, then a written claim must be made to the Named Fiduciary and Plan Administrator named above within sixty (60) days from the date payments are refused. The Named Fiduciary and Plan Administrator shall review the written claim and if the claim is denied, in whole or in part, they shall provide in writing within sixty (60) days of receipt of such claim the specific reasons for such denial, reference to the provisions of this Agreement upon which the denial is based and any additional material or information necessary to perfect the claim. Such written notice shall further indicate the additional steps to be taken by claimants if a further review of the claim denial is desired. A claim shall be deemed denied if the Named Fiduciary and Plan Administrator fail to take any action within the aforesaid sixty-day period.

If claimants desire a second review they shall notify the Named Fiduciary and Plan Administrator in writing within sixty (60) days of the first claim denial. Claimants may review this Agreement or any documents relating thereto and submit any written issues and comments they may feel appropriate. In their sole discretion, the Named Fiduciary and Plan Administrator shall then review the second claim and provide a written decision within sixty (60) days of receipt of such claim. This decision shall likewise state the specific reasons for the decision and shall include reference to specific provisions of the Agreement upon which the decision is based.

If claimants continue to dispute the benefit denial based upon completed performance of this Agreement or the meaning and effect of the terms and conditions thereof, then claimants may submit the dispute to an arbitrator for final arbitration. The arbitrator shall be selected by mutual agreement of the Bank and the claimants. The arbitrator shall operate under any generally recognized set of arbitration rules. The parties hereto agree that they and their heirs, personal representatives, successors and assigns shall be bound by the decision of such arbitrator with respect to any controversy properly submitted to it for determination.

Where a dispute arises as to the Bank's discharge of the Executive "for cause," such dispute shall likewise be submitted to arbitration as above described and the parties hereto agree to be bound by the decision thereunder.

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IN WITNESS WHEREOF, the parties hereto acknowledge that each has carefully read this Agreement and executed the original thereof on the first day set forth hereinabove, and that, upon execution, each has received a conforming copy.

EMPLOYER:
SOUND COMMUNITY BANK

By	/s/ Laura Lee Stewart President and Chief Executive Officer	By	Witness

By	/s/ Patricia Floyd Executive	By	Witness

8 EX-10.4 13 ex10-4.htm

EXHIBIT 10.4

SOUND COMMUNITY BANK

INCENTIVE COMPENSATION ACHIEVEMENT PLAN

Whereas the Board of Directors of Sound Community Bank (the "Bank") has adopted an incentive, compensation plan for certain designated senior managers (the "Managers") of the Bank and its subsidiaries and affiliates, now therefore, Bank and those Managers entering into this Agreement, covenant and agree as follows:

Name. There is hereby established a plan to be know as the "Sound Community Bank Incentive Compensation Achievement Plan" (hereinafter the "Plan").

Administrative Committee. The Plan shall be administered by an Administrative Committee composed of three members of the Board of Directors of the Bank. The Plan Administrative Committee is hereby vested with full powers of administration of the Plan within the performance goals established from time to time by the Board of Directors, subject only to the provisions herein set forth. The Administrative Committee shall be composed of the President/CEO of the Bank and two other members of the Board of Directors selected by the directors from those members of the Board who are not employees of the Bank. Members of the Administrative Committee other than the President/CEO shall not be eligible to share in the benefits of the Plan. All decisions regarding any benefits to be shared with the President/CEO under the Plan shall be made exclusively by the other members of the Administrative Committee and the President/CEO shall not participate in such decisions. The Administrative Committee shall have full power and authority to interpret, construe, and administer the Plan, and, pursuant to such interpretations and constructions thereof, and actions hereunder, determine the final amount and recipient of any payment to be made under the Plan. Any Manager or other person who shall disagree with any decision of the Administrative Committee may promptly appeal such decision to the Board of Directors of the Bank for final determination. The final determination of the Board of Directors shall be binding and conclusive on such persons for all purposes. No member of the Administrative Committee, or of the Board of Directors, shall be liable to any person for any action taken or omitted in

connection with the interpretation and administration of the Plan unless such action is due to such person's willful misconduct or lack of good faith.

Membership. The Managers entitled to share in the benefits of the Plan shall be divided into two groups. One group shall consist of the President/CEO. The other group shall be those managers designated by the Board of Directors as Senior Managers who report directly to the President/CEO.

Deferred Incentive Compensation. In accordance with the achievement targets established by the Board of Directors, the Administrative Committee shall determine the amount of deferred incentive compensation to be shared by each Manager who is a participant in the Plan. The amount of deferred incentive compensation allocated by the Administrative Committee to Managers reporting directly to the President/CEO shall range from zero to six percent of the particular Manager's annual salary. The amount of deferred incentive compensation allocated by the Administrative Committee to the President/CEO shall range from zero percent to twelve percent of the President/CEO's annual salary. For the purposes of the Plan, "annual salary" shall be the amount of annual base salary, exclusive of incentive compensation or bonuses, paid to the Manager for the calendar year preceding the year of allocation by the Administrative Committee.

Deferred Compensation Account. Following the determination by the Administrative Committee of the amount of deferred incentive compensation to be allocated to a Manager, the Bank shall deposit to a book reserve (the "Deferred Compensation Account") an amount of money-equal to the amount of deferred incentive compensation allocated to each Manager. Funds credited to the Deferred Compensation Account may be kept in cash or invested and reinvested in mutual funds, stocks, bonds, securities or other assets as may be approved by the Administrative Committee within guidelines established by the Board of Directors from time to time.

a. In exercising the foregoing discretionary investment powers, the Board of Directors may authorize the Administrative Committee to engage the services of independent investment counsel and may delegate to such investment

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counsel full or limited authority to select the assets in which the funds are to be invested.

b.    To the extent deemed appropriate by the Board of Directors or the Administrative Committee, the wishes of the Managers for whom deferred incentive compensation has been allocated shall be taken into account in making investment decisions.

c.    The Managers acknowledge and agree, on behalf of each Manager and the Manager's beneficiaries, heirs, and personal representatives, that they assume all risks in connection with the decrease in the value of the funds which are invested or which continue to be invested in the Deferred Compensation Account. Each Manager also hereby acknowledges and agrees that while the assets in the Deferred Compensation Account have been earmarked for payment of deferred compensation as provided for in the Plan, the funds in the Deferred Compensation Account shall at all times remain the assets of the Bank and shall be subject to the liabilities and claims of creditors of the Bank.

Payment of Deferred Compensation. The benefit to be paid to a Manager as deferred incentive compensation (unless the benefits are forfeited by any of the events of forfeiture specified in paragraph 7 below) shall be as follows:

a.    If the Manager experiences a "separation from service" (as that phrase is defined by Internal Revenue Code Section 409A and the regulations and guidance of general applicability issued thereunder ("Section 409A"), taking into account all applicable rules and presumptions provided for therein) from the Bank, on or after the Manager shall have reached the age of 65, the Bank shall pay the Manager an amount equal to the fair market value of assets in the Deferred Compensation Account allocated to the Manager in 120 equal monthly payments commencing on the last day of the month following the month in which the Manager's employment is terminated. Notwithstanding the foregoing, the total amount payable to the Manager shall be appropriately increased or decreased from time to time as the case may be, to reflect the appreciation or depreciation in value and the net income or loss of the funds allocated to the Manager which remain invested in the Deferred Compensation Account. If a Manager should die

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on or after the Manager's 65th birthday and before the 120 monthly payments are made, the unpaid balance will continue to be paid to the Manager's designated beneficiary in installments for the unexpired period of the 120 monthly payments.

b.    If a Manager experiences a "separation from service" (as defined in paragraph 6.a) from the Bank for any reason other than the Manager's death or total disability before the Manager shall have reached the age of 65, then the amount of the Deferred Compensation Account allocated to such Manager shall continue to be invested or held in cash as the Administrative Committee in its discretion may determine and no payments shall be made until the Manager shall have reached the age of 65 at which time payments shall be made in the same manner and to the same extent as set forth in the preceding subparagraph.

c.    If a Manager experiences a "separation from service" (as defined in paragraph 6.a) because of the death or total disability of the Manager before the Manager has reached the age of 60, the Bank shall commence paying benefits payable under the Plan to the Manager (in the case of the Manager's disability) or to the Manager's designated beneficiary (in the event of the death of the Manager) in the same manner as specified in Section 6(a) above, except that the payments shall commence on or before the last day of the second month following the month in which the Manager's employment with the Bank has been terminated due to the Manager's death or total disability.

d.    In the event of the death of both the Manager and the beneficiary of a deceased Manager the remaining value of the Deferred Compensation Account allocated to such Manager shall be paid in a lump sum as soon as practicable to the estate of such designated beneficiary.

e.    The Manager's beneficiary shall be the person designated by the Manager on a form provided by the Administrative Committee and delivered to the Administrative Committee prior to the death of the Manager. A Manager shall be entitled to change the designation of a beneficiary, without the consent of such prior beneficiary, by executing a new beneficiary designation form and delivering it to the Administrative Committee. If a Manager has not designated a beneficiary, or if a designated beneficiary fails to survive the Manager, payment

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of a deceased Manager's allocated interest in the Deferred Compensation Account shall be paid to the Manager's estate.

f.    A Manager shall be deemed to have become totally disabled for the purposes of payments under the Plan if the Administrative Committee shall find on the basis of medical evidence satisfactory to the Committee that the Manager is disabled within the meaning of Section 409A as herein defined.

g.    Notwithstanding anything herein contained to the contrary, the Administrative Committee shall have the right in its discretion to vary the manner and time of making the installment distributions provided for in the Plan, and may make a distribution in a single lump sum or in periodic installments over a shorter or longer period of time than the time provided for in the Plan as the Administrative Committee may, in its discretion, find appropriate. The preceding sentence shall apply only to that portion of the Manager's Deferred Compensation Account that is subject to Section 409A (i.e., the Deferred Compensation Account that was earned and vested as of December 31, 2004, and the earnings thereon, all as determined in accordance with Section 409A).

h.    Notwithstanding anything in paragraph 6.a, 6.b or 6.c to the contrary, if the Manager is a "specified employee" (as defined in Section 409A and the regulations thereunder), then payments under the applicable paragraph shall not commence earlier than six month anniversary of the Manager's separation from service (as defined in paragraph 6.a), except upon the Manager's earlier death or disability (as defined herein). Any payments delayed on account of the preceding sentence shall be paid with the first payment that is not delayed on account of the preceding sentence.

Forfeiture of Benefits. The benefits to be paid to a Manager shall be subject to forfeiture upon the occurrence of any of the following:

a.    Notwithstanding anything otherwise provided in the Plan, except in the case of the death or total disability of a Manager while still an employee of the Bank, if any Manager shall terminate employment prior to January 1, 2007, all benefits which may have accrued under the Plan shall be forfeited and the

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Manager shall be entitled to receive no payments of deferred compensation under the Plan.

b. After the Manager ceases to be employed by the Bank, the Manager fails or refuses to provide advice and counsel to the Bank when reasonably requested to do so.

Rights of Managers to Payments Are Those of Unsecured Creditor. Nothing contained in the Plan and no action taken pursuant to the provisions of the Plan shall create or be construed to create a trust of any kind, or any fiduciary relationship between the Bank, Board of Directors, or Administrative Committee and the Manager, the beneficiary of a Manager, or any other person. Any funds which may be invested under the provisions of the Plan in the Deferred Compensation Account or elsewhere, shall continue for all purposes to be a part of the general funds of the Bank, and no person other than the Bank shall by virtue of the provisions of the Plan have any interest in such funds, To the extent that any person acquires a right to receive any payments from the Bank under the provisions of the Plan, such right shall be no greater than the right of any unsecured general creditor of the Bank.

Non-Assignment of Rights. The right of a Manager or any other person receiving any payment or benefit under the Plan may not be assigned, transferred, pledged, or encumbered except by will or by the laws of descent and distribution.

Payment to Minor, Incompetent, or Disabled Person. If the person to whom any payment is to be made under the Plan is determined by the Administrative Committee to be incompetent or a minor, any payment due (unless a prior claim therefore shall have been made by a duly appointed guardian or other legal representative) may be paid to the spouse or to a child, parent, brother or sister of the Manager, or to such other person deemed by the Administrative Committee to incur expense for such person otherwise entitled to payment, in such manner and proportions as the Administrative Committee may determine. Any such payment shall be a complete discharge of the liability of the Bank under the Plan.

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No Right to Continued Employment. Nothing contained in the Plan shall be construed as conferring upon any Manager any right to continue in the employ of the Bank as an executive or in any other capacity.

Rights Under the Plan are not Salary or Compensation for Other Benefits. No right to any benefit under the Plan, or the payment of any such benefit, shall be deemed salary or other compensation for the purposes of determining benefits to which the Manager may be entitled under any retirement or employee benefit plan or other plan or arrangement of the Bank for any of its employees.

Binding Effect. This Plan shall be binding upon and inure to the benefit of the Bank, its successors and assigns, and the Managers and their heirs, executors, administrators, and legal representatives.

Arbitration. Any dispute or controversy arising under the Plan will be resolved by arbitration pursuant to the provisions of R.C.W. 7.04 and subject to the rules (but not the jurisdiction) of the American Arbitration Association (where provision is not made within R.C.W. 7.04). The arbitration will be conducted in conformity with Washington Mandatory Arbitration Rule 5.2 and the Washington Rules of Evidence. The arbitrator's award shall set forth findings of fact and conclusions of law upon which the award is based in the same manner as is required in a trial before a judge in the Superior Court of the State of Washington.

The parties shall select a single arbitrator within ten (10) days of the receipt of demand for arbitration. If the parties fail to appoint an arbitrator within the ten (10) day period, any party may make immediate application to the King County Superior Court for the appointment of an arbitrator. The arbitration hearing shall take place in Seattle, Washington, and shall commence within thirty (30) days of the appointment of an arbitrator.

The arbitrator may, in the arbitrator's discretion, award costs of arbitration (including the arbitrator's fee, if any) and attorneys' fees to the prevailing party. Judgment upon the award may be entered in the Superior Court of the State of Washington for the County of King and thereafter transmitted to any court of appropriate jurisdiction.

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Amendment. The Bank reserves to itself the right to amend, terminate, or revoke the Plan in whole or in its entirety at any time. Notwithstanding the foregoing, no payments shall be made on account Plan termination unless all of the plan termination requirements of Section 409A have been satisfied.

IN WITNESS WHEREOF, the parties have set their hands below, effective the 1st day of January 2008.

SOUND COMMUNITY BANK		MANAGERS

BY:		Manager

		Manager

		Manager

		Manager

8 EX-10.5 14 ex10-5.htm

EXHIBIT 10.5

Annual Bonus Plan. The plan provides for annual cash bonuses to designated senior managers, including all the named executive officers, upon the achievement of pre-established performance goals established by the the Board of Directors. Under the Annual Bonus Plan, prior to the earnings override discussed below, Ms. Stewart, Mr. Deines and Ms. Price are entitled to receive a maximum bonus of up to 33%, 33% and 6%, respectively, of their base salary, depending on how actual performance compares with quantitative and qualitative goals established by the Compensation Committee. The performance goals under the Annual Bonus Plan are the same for all participants and are based on overall corporate performance. The quantitative goals include performance factors relating to asset size, capital level, delinquency ratio, return on assets and equity, levels of non-interest income and non-interest expense, net interest margin, charge-offs and the size of the loan portfolio. The qualitative goals are non-financial corporate goals that require leadership of senior management and are ranked based on their relative importance to our operations. Participants earn credits for the quantitative factors, based on the level of importance assigned to each factor and the actual level of performance compared to the targeted goals set for each factor. Participants also earn credits for accomplishing the qualitative goals established by the Committee. Ms Stewart bonus is based 50% on meeting qualitative goals and 50% on meeting quantitative goals, while Mr. Deines and Ms. Price bonuses are based 40% on meeting qualitative goals and 60% on meeting quantitative goals. Each individual's bonus level based on meeting the qualitative and quantitative goals is subject to an earnings override. The Board of Directors establishes a target net earnings level. To the extent actual net earnings is below or above that target, the bonus level may be decreased or increased by up to 50%. With a 50% increase from the earnings override, Ms. Stewart's, Mr. Deines' and Ms. Price's maximum bonus under this plan is increased to 49.5%, 49.5% and 9%, respectively, of their base salary.

EX-10.6 15 ex10-6.htm

EXHIBIT 10.6

Quarterly Bonus Plan. The plan is a quarterly, non-equity incentive plan for officers and employees. Ms. Price is the only named executive officer that participates in this plan. The goals under the Quarterly Bonus Plan for Ms. Price, which are set by the President and Chief Executive Officer, are sales incentives for residential and consumer loan production for her performance individually and the performance of her department managers. Sales incentives include levels of loan originations by her and managers reporting to her, the number of saleable loans in the portfolio and the volume of the mortgage servicing portfolio. The determination of the level of bonus is the result of her and her team's performance under these goals. The bonus earned under the Quarterly Bonus Plan is subject to the same earnings override as the Annual Bonus Plan.

EX-10.7 16 ex10-7.htm

EXHIBIT 10.7

2007 Director Fee Arrangements

Directors of Sound Community Bank (excluding Laura Lee Stewart, the President and Chief Executive Officer of the Bank, who receives no separate compensation for service as a director) receive compensation for their service on the board of directors of the Bank. This compensation is used to attract and retain qualified persons to serve as non-employee directors. In setting their compensation, the board of directors considers the significant amount of time and level of skill required for director service. The types and levels of director compensation are reviewed annually by the Compensation Committee, which makes recommendations for approval by the Board of Directors. For the year ended December 31, 2006, this compensation consisted of fees of $12,000 for the year, paid monthly, plus $700 for each board meeting attended, for a maximum of $20,400. Directors' fees in 2007 consist of $12,000 for the year, paid monthly, plus $825 fee for each board meeting attended for a maximum of $21,900. The directors are not paid additional fees for service on various board committees.

EX-10.8 17 ex10-8.htm Untitled

EXHIBIT 10.8

RP^® FINANCIAL, LC.

Financial Services Industry Consultants

June 26, 2007

Mr. Matthew P. Deines
Executive Vice President and Chief Financial Officer
Sound Community Bank 2005 Fifth Avenue, Suite 200 Seattle, Washington 98121-2816

Dear Mr. Deines:

This letter sets forth the agreement between Sound Community Bank, Seattle, Washington (the "Bank"), and RP^® Financial, LC ("RP Financial") for independent appraisal services in connection with the stock to be issued concurrent with the minority stock offering transaction. The specific appraisal services to be rendered by RP Financial are described below.

Description of Appraisal Services

Prior to preparing the valuation report, RP Financial will conduct a financial due diligence, including on-site interviews of senior management and reviews of financial and other documents and records, to gain insight into the Bank's operations, financial condition, profitability, market area, risks and various internal and external factors which impact the pro forma value of the Bank.

RP Financial will prepare a written detailed valuation report of the Bank that will be fully consistent with applicable regulatory guidelines and standard pro forma valuation practices. In this regard, the applicable regulatory guidelines are those set forth in the Office of Thrift Supervision's ("OTS") October 21, 1994 "Guidelines for Appraisal Reports for the Valuation of Savings and Loan Associations Converting from Mutual to Stock Form of Organization," which have been endorsed by the Federal Deposit Insurance Corporation ("FDIC") and various state banking agencies.

The appraisal report will include an in-depth analysis of the Bank's financial condition and operating results, as well as an assessment of the Bank's interest rate risk, credit risk and liquidity risk. The appraisal report will describe the Bank's business strategies, market area, prospects for the future and the intended use of proceeds both in the short term and over the longer term. A peer group analysis relative to publicly-traded savings institutions will be conducted for the purpose of determining appropriate valuation adjustments relative to the group.

Washington Headquarters
Rosslyn Center
1700 North Moore Street, Suite 2210
Arlington, VA 22209
www.rpfinancial.com

Telephone: (703) 528-1700
Fax No.: (703) 528-1788
Toll-Free No.: (866) 723-0594
E-Mail: mail@rpfinancial.com

Mr. Matthew P. Deines
June 26, 2007
Page 2

We will review pertinent sections of the applications and offering documents to obtain necessary data and information for the appraisal, including the impact of key deal elements on the appraised value, such as dividend policy, use of proceeds and reinvestment rate, tax rate, offering expenses, characteristics of stock plans and charitable foundation contribution. The appraisal report will conclude with a midpoint pro forma market value that will establish the range of value, and reflect the offering price per share determined by the Bank's Board of Directors. The appraisal report may be periodically updated prior to the commencement of the offering and the appraisal is required to be updated just prior to the closing of the offering.

RP Financial agrees to deliver the valuation appraisal and subsequent updates, in writing, to the Bank at the above address in conjunction with the filing of the regulatory application. Subsequent updates will be filed promptly as certain events occur which would warrant the preparation and filing of such valuation updates. Further, RP Financial agrees to perform such other services as are necessary or required in connection with the regulatory review of the appraisal and respond to the regulatory comments, if any, regarding the valuation appraisal and subsequent updates.

Fee Structure and Payment Schedule

The Bank agrees to pay RP Financial a fixed fee of $35,000 for preparation and delivery of the original appraisal report, plus reimbursable expenses. Payment of these fees shall be made according to the following schedule:

$5,000 upon execution of the letter of agreement engaging RP Financial's appraisal services;
$30,000 upon delivery of the completed original appraisal report; and
$3,500 for each valuation update that may be required, provided that the transaction is not delayed for reasons described below.

The Bank will reimburse RP Financial for out-of-pocket expenses incurred in preparation of the valuation. Such out-of-pocket expenses will likely include travel, printing, shipping, computer and data services. RP Financial will agree to limit reimbursable expenses to $7,500 in connection with this engagement, subject to written authorization from the Bank to exceed such level.

In the event the Bank shall, for any reason, discontinue the proposed minority stock offering prior to delivery of the completed documents set forth above and payment of the respective progress payment fees, the Bank agrees to compensate RP Financial according to RP Financial's standard billing rates for consulting services based on accumulated and verifiable time expenses, not to exceed the respective fee caps noted above, after giving full credit to the initial retainer fee. RP Financial's standard billing rates range from $75 per hour for research associates to $350 per hour for managing directors.

Mr. Matthew P. Deines
June 26, 2007
Page 3

If during the course of the proposed transaction, unforeseen events occur so as to materially change the nature or the work content of the services described in this contract, the terms of said contract shall be subject to renegotiation by the Bank and RP Financial. Such unforeseen events shall include, but not be limited to, major changes in the conversion regulations, appraisal guidelines or processing procedures as they relate to appraisals, major changes in management or procedures, operating policies or philosophies, and excessive delays or suspension of processing of applications by the regulators such that completion of the transaction requires the preparation by RP Financial of a new appraisal.

Representations and Warranties

The Bank and RP Financial agree to the following:

1. The Bank agrees to make available or to supply to RP Financial such information with respect to its business and financial condition as RP Financial may reasonably request in order to provide the aforesaid valuation. Such information heretofore or hereafter supplied or made available to RP Financial shall include: annual financial statements, periodic regulatory filings and material agreements, debt instruments, off balance sheet assets or liabilities, commitments and contingencies, unrealized gains or losses and corporate books and records. All infoitnation provided by the Bank to RP Financial shall remain strictly confidential (unless such information is otherwise made available to the public), and if the minority stock offering is not consummated or the services of RP Financial are terminated hereunder, RP Financial shall upon request promptly return to the Bank the original and any copies of such information.

2. The Bank hereby represents and warrants to RP Financial that any information provided to RP Financial does not and will not, to the best of the Bank's knowledge, at the times it is provided to RP Financial, contain any untrue statement of a material fact or fail to state a material fact necessary to make the statements therein not false or misleading in light of the circumstances under which they were made.

3. (a) The Bank agrees that it will indemnify and hold harmless RP Financial, any affiliates of RP Financial, the respective directors, officers, agents and employees of RP Financial or their successors and assigns who act for or on behalf of RP Financial in connection with the services called for under this agreement (hereinafter referred to as "RP Financial"), from and against any and all losses, claims, damages and liabilities (including, but not limited to, all losses and expenses in connection with claims under the federal securities laws) attributable to (i) any untrue statement or alleged untrue statement of a material fact contained in the financial statements or other infolmation furnished or otherwise provided by the Bank to RP Financial, either orally or in writing; (ii) the omission or alleged omission of a material fact from the financial statements or other information furnished or otherwise made available by the Bank to RP Financial; or (iii) any action or omission to act by the Bank, or the Bank's respective officers, Directors, employees or agents which action or omission is willful or negligent. The Bank will be under no obligation to indemnify RP Financial hereunder if a court determines that RP Financial was negligent or acted in bad faith with respect to any actions or omissions of RP Financial related

Mr. Matthew P. Deines
June 26, 2007
Page 4

to a matter for which indemnification is sought hereunder. Any time devoted by employees of RP Financial to situations for which indemnification is provided hereunder, shall bean indemnifiable cost payable by the Bank at the normal hourly professional rate chargeable by such employee.

(b) RP Financial shall give written notice to the Bank of such claim or facts within thirty days of the assertion of any claim or discovery of material facts upon which RP Financial intends to base a claim for indemnification hereunder. In the event the Bank elects, within ten business days of the receipt of the original notice thereof, to contest such claim by written notice to RP Financial, RP Financial will be entitled to be paid any amounts payable by the Bank hereunder within five days after the final determination of such contest either by written acknowledgement of the Bank or a final judgment (including all appeals therefrom) of a court of competent jurisdiction. If the Bank does not so elect, RP Financial shall be paid promptly and in any event within thirty days after receipt by the Bank of the notice of the claim.

(c) The Bank shall pay for or reimburse the reasonable expenses, including attorneys' fees, incurred by RP Financial in advance of the final disposition of any proceeding within thirty days of the receipt of such request if RP Financial furnishes the Bank: (1) a written statement of RP Financial's good faith belief that it is entitled to indemnification hereunder; and (2) a written undertaking to repay the advance if it ultimately is determined in a final adjudication of such proceeding that it or he is not entitled to such indemnification. The Bank may assume the defense of any claim (as to which notice is given in accordance with 3(b)) with counsel reasonably satisfactory to RP Financial, and after notice from the Bank to RP Financial of its election to assume the defense thereof, the Bank will not be liable to RP Financial for any legal or other expenses subsequently incurred by RP Financial (other than reasonable costs of investigation and assistance in discovery and document production mat ters). Notwithstanding the foregoing, RP Financial shall have the right to employ their own counsel in any action or proceeding if RP Financial shall have concluded that a conflict of interest exists between the Bank and RP Financial which would materially impact the effective representation of RP Financial. In the event that RP Financial concludes that a conflict of interest exists, RP Financial shall have the right to select counsel reasonably satisfactory to the Bank which will represent RP Financial in any such action or proceeding and the Bank shall reimburse RP Financial for the reasonable legal fees and expenses of such counsel and other expenses reasonably incurred by RP Financial. In no event shall the Bank be liable for the fees and expenses of more than one counsel, separate from its own counsel, for all indemnified parties in connection with any one action or separate but similar or related actions in the same jurisdiction arising out of the same allegations or circumstances. The Bank will not be liable under the foregoing indemnification provision in respect of any compromise or settlement of any action or proceeding made without its consent, which consent shall not be unreasonably withheld.

(d) In the event the Bank does not pay any indemnified loss or make advance reimbursements of expenses in accordance with the terms of this agreement, RP Financial shall have all remedies available at law or in equity to enforce such obligation.

It is understood that, in connection with RP Financial's above-mentioned engagement, RP Financial may also be engaged to act for the Bank in one or more additional capacities, and that the terms of the original engagement may be incorporated by reference in one or more separate

Mr. Matthew P. Deines
June 26, 2007
Page 5

agreements. The provisions of Paragraph 3 herein shall apply to the original engagement, any such additional engagement, any modification of the original engagement or such additional engagement and shall remain in full force and effect following the completion or termination of RP Financial's engagement(s). This agreement constitutes the entire understanding of the Bank and RP Financial concerning the subject matter addressed herein, and such contract shall be governed and construed in accordance with the laws of the Commonwealth of Virginia. This agreement may not be modified, supplemented or amended except by written agreement executed by both parties.

The Bank and RP Financial are not affiliated, and neither the Bank nor RP Financial has an economic interest in, or is held in common with, the other and has not derived a significant portion of its gross revenues, receipts or net income for any period from transactions with the other.

* * * * * * * * * * *

Please acknowledge your agreement to the foregoing by signing as indicated below and returning to RP Financial a signed copy of this letter, together with the initial retainer fee of $5,000.

Sincerely,

/s/ Ronald S. Riggins

Ronald S. Biggins
President and Managing Director

Agreed To and Accepted By:

Matthew P. Deines /s/ Matthew P. Deines
Executive Vice President and Chief Financial Officer

Upon Authorization by the Board of Directors For:

Sound Community Bank
Seattle, Washington

Date Executed:

July 25, 2007

EX-21 18 ex-21.htm

Exhibit 21

Parent	Subsidiary	Percentage of Ownership	State of Incorporation or Organization of Subsidiary
Sound Financial, Inc.	Sound Community Bank	100%	United States

Sound community Bank	ORCA General, Inc.	100%	Washington

EX-23.2 19 ex23-2.htm

EXHIBIT 23.2

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We consent to the use in the Application for Approval of a Minority Stock Issuance by a Stock Holding Company Subsidiary of a Mutual Holding Company on Form MHC-2, of Sound Financial, Inc. filed with the Office of Thrift Supervision and in the Registration Statement on Form SB-2, of Sound Financial, Inc. filed with the Securities and Exchange Commission, of our report dated September 19, 2007 on the consolidated financial statements of Sound Community Bank and Subsidiary appearing in the prospectus which is part of that Application and Registration Statement. We also consent to the reference to our firm under the heading "Experts" in the Registration Statement on Form MHC-2 and Form SB-2.

/s/ Moss Adams LLP

Everett, Washington
September 19, 2007

EX-23.3 20 ex23-3.htm

EXHIBIT 23.3

RP^® FINANCIAL, LC.

Financial Services Industry
Consultants

September 19, 2007

Boards of Directors
Sound Financial, Inc.
Sound Community Bank
2005 Fifth Avenue, 2nd Floor
Seattle, Washington 98121

Members of the Boards of Directors:

We hereby consent to the use of our firm's name in the Form MHC-2, and any amendments thereto, filed with the Office of Thrift Supervision and in the Registration Statement on Form SB-2, and any amendments thereto, filed with the Securities and Exchange Commission of Sound Financial, Inc. We also hereby consent to the inclusion of, summary of and references to our Appraisal and our statement concerning subscription rights in such filings including the prospectus of Sound Financial, Inc.

Sincerely,

/s/ RP Financial, LC.

RP^® FINANCIAL, LC.

Washington Headquarters
Rosslyn Center
1700 North Moore Street, Suite 2210
Arlington, VA 22209
www.rpfinancial.com

Telephone: (703) 528-1700
Fax No.: (703) 528-1788
Toll-Free No.: (866) 723-0594
E-Mail: mail@rpfinancial.com

EX-99.2 21 ex99-2.htm

EXHIBIT 99.2

SOUND FINANCIAL, INC. Stock Ownership Guide and Stock Order Form Instructions

Stock Order Form Instructions - All subscription orders are subject to the provisions of the stock offering.

Item 1 and 2 - Fill in the number of shares that you wish to purchase and the total payment due. The amount due is determined by multiplying the number of shares ordered by the subscription price of $10.00 per share. The minimum purchase is 25 shares. Generally, the maximum purchase for any person is 20,000 shares (20,000 shares x $10.00 per share = $250,000). No person, together with associates, as defined in the prospectus, and persons acting in concert may purchase more than 25,000 shares (25,000 shares x $10.00 per share = $250,000) of the common stock offered in the stock offering. For additional information, see "THE REORGANIZATION AND STOCK OFFERING- Limitations on purchases of shares" in the prospectus.

Item 3 - Payment for shares may be made in cash (only if delivered by you in person, although we request you to exchange the cash for a check with any of the tellers at a Sound branch) or by check, bank draft or money order payable to Sound Financial, Inc. DO NOT MAIL CASH. Your funds will earn interest at the bank's statement savings annual percentage yield until the stock offering is completed.

To pay by withdrawal from a savings account or certificate at Sound Community Bank ("Sound") insert the depositor number(s) and the amount(s) you wish to withdraw from each account. If more than one signature is required for a withdrawal, all signatories must sign in the signature box on the front of the Stock Order form. To withdraw from an account with checking privileges, please write a check. Sound will waive any applicable penalties for early withdrawal from certificate accounts (CDs). A hold will be placed on the account(s) for the amount(s) you indicate to be withdrawn. Payments will remain in account(s) until the Stock Offering closes and earn their respective rate of interest.

Item 4 - Please check the appropriate box to tell us the earliest of the three dates that applies to you.

Item 5 - Please check one of these boxes if you are a director, officer or employee of Sound, or a member of such person's household.

Item 6 - The stock transfer industry has developed a uniform system of shareholder registrations that we will use in the issuance of Sound Financial, Inc. common stock. Please complete this section as fully and accurately as possible, and be certain to supply your social security or Tax I.D. number(s) and your daytime and evening phone numbers. We will need to call you if we cannot execute your order as given. If you have any questions regarding the registration of your stock, please consult your legal advisor or contact the Stock Information Center at (___) ____-____. Subscription rights are not transferable. If you are an eligible or supplemental eligible account holder or other depositor, to protect your priority over other purchasers as described in the prospectus, you must take ownership in at least one of the account holder's names.

Item 7 - You should list any qualifying accounts that you may have or had with Sound in the box located under the heading "Qualifying Accounts". For example, if you are ordering stock in just your name, you should list all of your account numbers as of the earliest of the three dates that you were a depositor. Similarly, if you are ordering stock jointly with another depositor, you should list all account numbers under which either of you are owners, i.e. individual accounts, joint accounts, etc. If you are ordering stock in your minor child's or grandchild's name under the Uniform Transfers to Minors Act, the minor must have had an account number on one of the three dates and you should list only their account number(s). If you are ordering stock corporately, you need to list just that corporation's account number, as your individual account number(s) do not qualify. Failure to list all of your qualifying depositor numbers may result in the loss of part or all of your subscription rights.

NOTE: The order form is to be received (not postmarked) at 2005 Fifth Avenue, Suite 200, Seattle, Washington or at Sound's other branch office by the end of the subscription offering on _____ at 12:00 Noon, Pacific Time.

(See Reverse Side for Stock Ownership Guide)

SOUND FINANCIAL, INC. Stock Ownership Guide and Stock Order Form Instructions

Stock Ownership Guide

Individual - The stock is to be registered in an individual's name only. You may not list beneficiaries for this ownership.

Joint Tenants - Joint tenants with rights of survivorship identifies two or more owners. When stock is held by joint tenants with rights of survivorship, ownership automatically passes to the surviving joint tenant(s) upon the death of any joint tenant. You may not list beneficiaries for this ownership.

Tenants in Common - Tenants in common may also identify two or more owners. When stock is to be held by tenants in common, upon the death of one co-tenant, ownership of the stock will be held by the surviving co-tenant(s) and by the heirs of the deceased co-tenant. All parties must agree to the transfer or sale of shares held by tenants in common. You may not list beneficiaries for this ownership.

Uniform Transfers To Minors Act - For residents of Washington and many states, stock may be held in the name of a custodian for the benefit of a minor under the Uniform Transfers to Minors Act. For residents in other states, stock may be held in a similar type of ownership under the Uniform Gifts to MinorsAct of the individual state. For either ownership, the minor is the actual owner of the stock with the adult custodian being responsible for the investment until the child reaches legal age. Only one custodian and one minor may be designated.

Instructions: On the first name line, print the first name, middle initial and last name of the custodian, with the abbreviation "CUST" after the name. Print the first name, middle initial and last name of the minor on the second name line followed by the notation UTMA-WA or UGMA-Other State. List only the minor's social security number.

Corporation/Partnership - Corporations/Partnerships may purchase stock. Please provide the Corporation/Partnership's legal name and Tax I.D. To have depositor rights, the Corporation/Partnership must have an account in the legal name. Please contact the Stock Information Center to verify depositor rights and purchase limitations.

Individual Retirement Account - Individual Retirement Account ("IRA") holders may potentially make stock purchases from their existing IRA if it is a self-directed IRA or through a prearranged "trustee-to-trustee" transfer if their IRA is currently at Sound Community Bank. The stock cannot be held in your Sound Community Bank account. Please contact your broker or self-directed IRA account provider as quickly as possible to explore this option, as it may take a number of days to complete a trustee-to-trustee transfer.

Registration for IRA's:

On Name Line 1 - list the name of the broker or trust department followed by CUST or TRUSTEE.
On Name Line 2 - FBO (for benefit of) YOUR NAME [IRA a/c #______].
Address will be that of the broker / trust department to where the stock certificate will be sent.
The Social Security/Tax I.D. number(s) will be either yours or your trustee's, as the trustee directs.
Please list your phone numbers.

Fiduciary/Trust - Generally, fiduciary relationships (such as Trusts, Estates, Guardianships, etc.) are established under a form of trust agreement or pursuant to a court order. Without a legal document establishing a fiduciary relationship, your stock may not be registered in a fiduciary capacity.

Instructions: On the first name line, print the first name, middle initial and last name of the fiduciary if the fiduciary is an individual. If the fiduciary is a corporation, list the corporate title on the first name line. Following the name, print the fiduciary title, such as trustee, executor, personal representative, etc. On the second name line, print the name of the maker, donor or testator or the name of the beneficiary. Following the name, indicate the type of legal document establishing the fiduciary relationship (agreement, court order, etc.). In the blank after "Under Agreement Dated," fill in the date of the document governing the relationship. The date of the document need not be provided for a trust created by a will.

(See Reverse Side for Stock Order Form Instructions) NEXT PAGE

Sound Community Bank
REVOCABLE PROXY

Any member giving a proxy may revoke it at any time before it is voted by delivering to the Secretary of [_____], MHC either a written revocation of the proxy, or a duly executed proxy bearing a later date, or by voting in person at the Special Meeting.

The undersigned hereby acknowledges receipt of a Notice of special Meeting of Members to be held on the __th day of ______, 2007 and a Proxy Statement for the Special Meeting prior to the signing of this proxy.

Signature:

Date:

Signature:

Date:

IMPORTANT: Please detach, sign and return all proxies from all packets received in the enclosed postage paid envelope
FAILURE TO VOTE IS EFFECTIVELY THE SAME AS A "NO" VOTE

STOCK ORDER FORM

SEND OVERNIGHT PACKAGES TO:
Sound Financial, Inc.
Attn: Stock Information Center
2005 Fifth Avenue, Suite 200
Seattle, WA 98121
(___) __________

Deadline: The Subscription Offering ends at 12:00 Noon, Pacific Time, on __________. Your original Stock Order and Certification Form, properly executed and with the correct payment, must be received (not postmarked) at the address on the top of this form or at any of our branches by the deadline, or it will be considered void. Faxes or copies of this form will not be accepted. Sound Financial, Inc. reserves the right to accept or reject improper order forms.

(1) Number of Shares

_______________

x $10.00 =

(2) Total Amount Due

_______________

The minimum purchase is 25 shares ($250). Generally, no person may purchase more than 20,000 shares ($200,000), and no person together with his or her associates or group of persons acting in concert may purchase more than 25,000 shares ($250,000).

(3) Method of Payment			(4) Purchaser Information (check one)
	Enclosed is a check, bank draft or money order payable to Sound Financial, Inc. for $____________________________		a.	Eligible Account Holder - Check here if you were a depositor with at least $50 on deposit with Sound Community Bank as of ____________. Enter information in Section 7 for all deposit accounts that you had at Sound Community Bank on _____________.
	I authorize Sound Community Bank to make withdrawals, without penalty, from my CD or savings accounts shown below, and understand that the amounts will not otherwise be available for withdrawal.		b.	Supplemental Eligible Account Holder - Check here if you were a depositor with at least $50 on deposit with Sound Community Bank as of __________ but not an Eligible Account Holder. Enter information in Section 7 for all deposit accounts that you had at Sound Community Bank on ____________________.
	Account Numbers	Amounts
		$	c.	Other Members - Check here if you were a depositor of Sound Community Bank as of ____________, who were not able to subscribe for shares
		$		under the Eligible or Supplemental Account Holders Categories or borrowers as of __________ whose loans continue to be outstanding on ______________.
		$	d.	Local Community - As defined in the prospectus.
		$	e.	General Public.

(5) Check of you (or a household family member) are a: Director Officer Employee of Sound Community Bank or Sound Financial, Inc.

(6) Stock Registration - Please Print Legibly and Fill Out Completely (Note: The stock certificate and all correspondence related to this stock order will be mailed to the address provided below.)

Individual	Individual Retirement Account (IRA)	Corporation
Joint Tenants	Uniform Transfer to Minors Act	Partnership
Tenants in Common	Uniform Gift to Minors Act	Trust - Under Agreement Dated _____________

Name	SS# or Tax ID
Name	SS#
Address	Daytime Telephone #
City State Zip Code County	Evening Telephone #

(7) Qualifying Accounts You should list any accounts that you may have or had with Sound Community Bank in the box below. SEE THE STOCK ORDER FORM INSTRUCTIONS SHEET FOR FURTHER INFORMATION. All subscription orders are subject to the provisions of the stock offering.
Qualifying Accounts

Names on Accounts

Account Number

Please Note: Failure to list all of your accounts may result in the loss of part or all of your subscription rights.
Acknowledgment: By signing below, I acknowledge receipt of the prospectus dated _______ and understand I may not change or revoke my order once it is received by Sound Financial, Inc. I also certify that this stock order is for my account and there is no agreement or understanding regarding any further sale or transfer of these shares. Federal regulations prohibit any person from transferring or entering into any agreement directly or indirectly to transfer the legal or beneficial ownership of conversion subscription rights, or the underlying securities, to the account of another. Under penalty of perjury, I certify that I am purchasing shares solely for my account and that there is no agreement or understanding regarding the sale or transfer of such shares, or my rights to subscribe for shares. Sound Financial, Inc. will pursue any and all legal and equitable remedies in the event it becomes aware of the transfer of subscription rights and will not honor orders known by it to involve such transfer. Under penalties of perjury, I further certify that (1) the social security number or taxpayer identification number given above is correct, and (2) I am not subject to backup withholding. You must cross out this item (2) in this acknowledgment if you have been notified by the Internal Revenue Service that you are subject to backup withholding because of under-reporting interest or dividends on your tax return. By signing below, I also acknowledge that I have not waived my rights under the Securities Act of 1933 and the Securities Exchange Act of 1934, both as amended. The Subscription rights are non-transferable and are void at the end of the subscription period. Signature: THIS FORM MUST BE SIGNED AND DATED BELOW AND ON THE BACK OF THIS FORM. This order is not valid if the Stock Order and Certification Form are not both signed and properly completed. Your order will be filled in accordance with the provisions o f the Plan of Reorganization and Stock Issuance as described in the prospectus. An additional signature is required only if payment is by withdrawal from an account that requires more than one signature to withdraw funds.

Signature Date

Office Use Only: Date Rec'd ____/_____ Check# ________ $__________ Check# ________ $___________ Batch# ______ Order #______ Category ____

[________], MHC

REVOCABLE PROXY

THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS OF [__________], MHC FOR USE AT A SPECIAL MEETING OF MEMBERS TO BE HELD ON _______________, 2007, AND ANY ADJOURNMENTS OF THAT MEETING FOR THE PURPOSES SET FORTH IN THE FOREGOING NOTICE OF SPECIAL MEETING, YOUR BOARD OF DIRECTORS UNANIMOUSLY RECOMMENDS YOU TO VOTE FOR THE APPROVAL OF THE AMENDED PLAN OF CONVERSION AND REORGANIZATION.

The undersigned, being a member of [_________], MHC, hereby authorizes the Board of Directors of [_________], MHC or any successors in their respective positions, as proxy, with full powers of substitution, to represent the undersigned at the Special Meeting of Members of [_________], MHC to be held at _________________________ on _____________ 2007 at _______, Pacific time, and at any adjournment of said meeting, to act with respect to all votes that the undersigned would be entitled to cast, if then personally present, as set forth below.

	1.	The approval of an amended plan of conversion and reorganization providing for the conversion of Sound Financial, Inc. and Sound Community Bank from the mutual holding company structure to the stock holding company form including the formation of a new holding company, [________] and the sale of shares of the common stock to eligible depositors, borrowers and other members of the public.
FOR AGAINST
	2.	The contribution to the [________________] Foundation of stock equal to [____]% of the gross proceeds of the sale by Sound Financial, Inc. of its shares of Common stock to the public.
FOR AGAINST
	3.	Any other matters that may lawfully come before the special meeting.
FOR AGAINST

This proxy, if properly executed, will be voted in accodance with your instructions. If no instructions are given, this proxy will be voted "FOR" adoption of the amended plan of conversion and reorganization, "FOR" the contribution to the [_________] Foundation, and if necessary, "FOR" adjournment of the Special Meeting. Please date and sign this proxy on the reverse side and return it in the enclosed envelope.

NASD Affiliation - If you have an NASD affiliation, you must report this subscription in writing to your applicable compliance officer within one day of the payment therefor. You are considered a member of the National Association of Securities Dealers, Inc. ("NASD") if you are a person associated with an NASD member, a member of the immediate family of any such person to whose support such person contributes, directly or indirectly, or the holder of an account in which an NASD member or person associated with an NASD member has a beneficial interest.

CERTIFICATION FORM

I ACKNOWLEDGE THAT THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND IS NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION, AND IS NOT GUARANTEED BY SOUND COMMUNITY BANK, SOUND FINANCIAL, INC., _______ MHC, OR BY THE FEDERAL GOVERNMENT. IF ANYONE ASSERTS THAT THIS SECURITY IS FEDERALLY INSURED OR GUARANTEED, OR IS AS SAFE AS AN INSURED DEPOSIT, I SHOULD CALL THE OFFICE OF THRIFT SUPERVISION WESTERN REEGIONAL DIRECTOR, __________, AT _________________.

I further certify that, before purchasing the common stock of Sound Financial, Inc., I received a copy of the Prospectus dated _______________________, which discloses the nature of the common stock being offered and describes the following risks involved in an investment in the common stock under the heading "Risk Factors" beginning on page 14 of the prospectus:

Risks Related to Our Business

Our core earnings have been below levels needed to maintain and increase capital to support additional growth. Our strategy for improving profitability relies on increasing our net interest income through asset growth, particularly in higher yielding commercial and consumer loans. This strategy may not be successful.
Our operating expenses are high as a percentage of our net interest income, making it more difficult to maintain profitability.
Our loan portfolio possesses increased risk due to our increasing percentage of commercial real estate and commercial business loans.
If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease.
Rising interest rates have hurt our profits by increasing our cost of funds.
We operate in a highly regulated environment, and we may be adversely affected by negative examination results and changes in laws and regulations.
Strong competition within our market area may limit our growth and profitability.
Our business is geographically concentrated in the Seattle, Washington area and a downturn in conditions in that market area could reduce our profits.

Risks Related to this Offering

After this offering, our compensation expenses will increase. Our return on equity also will be low compared to other companies. These factors could negatively impact the price of our stock.
The cost of additional finance and accounting systems, procedures and controls in order to satisfy our new public company reporting requirements will increase our expenses.
Your subscription funds could be held for an extended time period and will be unavailable to you for other investments if completion of the offering is delayed.
We have broad discretion in using the proceeds of the offering. Our failure to effectively use these proceeds could reduce our profits.
Sound Community MHC will own more than half of the stock of Sound Financial. This means that Sound Community MHC will have enough votes to control what happens on most matters submitted to a vote of shareholders.
The amount of stock controlled by Sound Community MHC, and provisions in our charter and bylaws limiting the rights of shareholders, will deter potential takeovers and may reduce the trading price of our stock.
The implementation of an equity incentive plan may dilute your ownership interest.
Our stock price may decline when trading commences.
There may be a limited trading market in our common stock, which would hinder your ability to sell our common stock and may lower the market price of the stock.
OTS policy on remutualization transactions could prohibit an acquisition of Sound Financial which may lower our stock price.

Risks Related to the Formation of Our Charitable Foundation

The contribution to Sound Community Foundation will decrease our profits for fiscal year 2008 and dilute your ownership interest.
Our contribution to Sound Community Foundation may not be tax deductible, which could hurt our profits.

Signature Date

(Note: If shares are to be held jointly, both parties must sign)

EXECUTION OF THIS CERTIFICATION FORM WILL NOT CONSTITUTE A WAIVER OF ANY RIGHTS THAT A PURCHASER MAY HAVE UNDER THE SECURITIES ACT OF 1933 AND THE SECURITIES EXCHANGE ACT OF 1934, BOTH AS AMENDED. THESE SECURITIES BEING OFFERED ARE NOT SAVINGS ACCOUNTS OR DEPOSITS AND ARE NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY.

EX-99.3 22 ex99-3.htm
EXHIBIT 99.3

[Effective Date]

To Members and Friends of
Sound Community Bank

Keefe, Bruyette ∓ Woods, Inc., a member of the National Association of Securities Dealers, Inc., is assisting Sound Financial, Inc, the proposed mid-tier stock holding company for Sound Community Bank, in offering shares of its common stock in a subscription offering pursuant to its Plan of Reorganization and Stock Issuance.

At the request of Sound Financial, Inc., we are enclosing materials explaining this process and your options, including an opportunity to invest in the shares of Sound Financial, Inc. common stock being offered to customers of Sound Community Bank and various other persons until ______, Pacific Time, on __________ __, 2008. Please read the enclosed offering materials carefully, including the prospectus, for a complete description of the stock offering. Sound Financial, Inc. has asked us to forward these documents to you in view of certain requirements of the securities laws in your state.

If you have any questions, please visit our Stock Information Center located at 2005 Fifth Avenue, Suite 200, Seattle, Washington. The Stock Information Center is open [___________], or feel free to call the Stock Information Center at (___) ___-____.

Very truly yours,

Keefe, Bruyette ∓ Woods, Inc.

The shares of common stock being offered are not deposits or accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

This is not an offer to sell or a solicitation of an offer to buy common stock. The offer is made only by the prospectus.
Dear Friends' Letter

[Effective Date]

Dear Friend:

We are pleased to announce that Sound Community Bank is reorganizing into the mutual holding company structure. In connection with the reorganization, Sound Financial, Inc., a newly-formed mid-tier holding company for Sound Community Bank, is offering common stock in a subscription and community offering to certain members of Sound Community Bank and an employee stock ownership plan established by Sound Community Bank pursuant to a Plan of Reorganization and Stock Issuance.

Because we believe you may be interested in learning more about the merits of Sound Financial, Inc.'s common stock as an investment, we are sending you the following materials which describe the offering.

PROSPECTUS: This document provides detailed information about Sound Community Bank's operations and the proposed offering of Sound Financial, Inc.'s common stock.

STOCK ORDER AND CERTIFICATION FORM: This form can be used to purchase stock by returning it with your payment in the enclosed business reply envelope. Your order must be received by 12:00 Noon, Pacific Time, on [_____].

You will have the opportunity to buy common stock directly from Sound Financial, Inc. in the offering without paying a commission or fee. If you have any questions regarding the reorganization and offering, please call us at (xxx) xxx-xxxx, between [_____], Pacific Time, or stop by our Stock Information Center located at 2005 Fifth Avenue, Suite 200, Seattle, Washington.

We are pleased to offer you this opportunity to become a stockholder of Sound Financial, Inc.

Sincerely,

Laura Lee Stewart
President and Chief Executive Officer

The shares of common stock being offered are not deposits or accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

This is not an offer to sell or a solicitation of an offer to buy common stock. The offer is made only by the prospectus.
Dear Prospective Investor Letter

[Effective Date]

Dear Prospective Investor:

We are pleased to announce that Sound Community Bank is reorganizing into the mutual holding company structure. In connection with the reorganization, Sound Financial, Inc., the newly-formed mid-tier holding company for Sound Community Bank, is offering common stock in a subscription and community offering to certain members of Sound Community Bank and an employee stock ownership plan established by Sound Community Bank pursuant to a Plan of Reorganization and Stock Issuance.

We have enclosed the following materials that will help you learn more about the merits of Sound Financial, Inc. common stock as an investment. Please read and review the materials carefully.

PROSPECTUS: This document provides detailed information about Sound Community Bank's operations and the proposed offering of Sound Financial, Inc.'s common stock.

STOCK ORDER AND CERTIFICATION FORM: This form can be used to purchase stock by returning it with your payment in the enclosed business reply envelope. Your order must be received by 12:00 noon, Pacific Time, on [_______].

We invite you and other community members to become stockholders of Sound Financial, Inc. Through this offering you have the opportunity to buy stock directly from Sound Financial, Inc. without paying a commission or a fee.

If you have any questions regarding the reorganization, please call us at (___) ___-____ between [__________], Pacific Time, or stop by our Stock Information Center located at 2005 Fifth Avenue, Suite 200, Seattle, Washington.

Sincerely,

Laura Lee Stewart
President and Chief Executive Officer

The shares of common stock being offered are not deposits or accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

This is not an offer to sell or a solicitation of an offer to buy common stock. The offer is made only by the prospectus.
Proxy Gram

PROXY GRAM

PLEASE VOTE TODAY...

We recently sent you a proxy statement and related materials regarding a proposal to reorganize Sound Community Bank into the mutual holding company structure.

Your vote on the Plan of Reorganization and Stock Issuance has not yet been received.

Voting for the reorganization does not obligate you to purchase stock and will not affect your accounts or FDIC Insurance.

Not Returning Your Proxy Cards has the Same Effect as Voting "Against" the Reorganization....and

Your Board of Directors Unanimously Recommends a Vote "FOR" the Reorganization.

Your Vote Is Important To Us!

Please sign the enclosed proxy card and return it in the postage-paid envelope provided TODAY! If you received more than one proxy card, please be sure to sign and return all cards you received.

Thank you,

Laura Lee Stewart
President Chief Executive Officer
Sound Community Bank

The shares of common stock being offered are not deposits or accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

This is not an offer to sell or a solicitation of an offer to buy common stock. The offer is made only by the prospectus.
Proxy Gram II

PROXY GRAM II

PLEASE VOTE TODAY

We recently sent you a proxy statement and related materials regarding a proposal to reorganize Sound Community Bank into the mutual holding company structure.

Your vote on the Plan of Reorganization and Stock Issuance has not yet been received.

Voting for the reorganization does not obligate you to purchase stock and will not affect your accounts or FDIC Insurance.

Not Returning Your Proxy Cards has the Same Effect as Voting "Against" the Reorganization...and

Your Board of Directors Unanimously Recommends a Vote "FOR" the Reorganization.

Our Reasons for the Corporate Change

As a Mutual Institution:
-There is no authority to issue capital stock and thus no access to this market source of equity capital.
-Earnings from yera to yera are the only source of generating capital.

Under a Mutual Holding Company structure, we will be able to:
-Structure our business in the form that will enable us to access capital markets.
-Support future lending and operational growth.
Better attract and retain qualified directors and management through stock-based compensation plans.
-Support future branching activities and/or the acquisition of other financial institutions or financial services companies.

Your Vote Is Important to Us!

Please sign the enclosed proxy card and return it in the postage-paid envelope provided TODAY! If you received more than one proxy card, please be sure to sign and return all cards you received.

Thank you,

Laura Lee Stewart
President Chief Executive Officer
Sound Community Bank

If you have already mailed your proxy card(s), please accept our thanks and disregard this notice.
For further information, call (___) ___-____.

The shares of common stock being offered are not deposits or accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

This is not an offer to sell or a solicitation of an offer to buy common stock. The offer is made only by the prospectus.
Proxy Gram III

Proxy Gram III

Month, Date Year

Dear Valued Sound Community Bank Member:

We recently forwarded you a proxy statement and related materials regarding a proposal to reorganize Sound Community Bank into the mutual holding company structure. This reorganization will allow us to operate in essentially the same manner as we currently operate, but will provide us with the flexibility to increase our capital, continue to support future lending and operational growth, and support future branching activities and/or the acquisition of financial services companies.

As of the date of this letter, your vote on our Plan of Reorganization and Stock Issuance has not yet been received. Your Board of Directors unanimously recommends a vote "FOR" the Plan of Reorganization and Stock Issuance. If you mailed your proxy, please accept our thanks and disregard this request.

We would sincerely appreciate you signing the enclosed proxy card and returning it promptly in the enclosed postage-paid envelope. Our meeting on _____ is fast approaching and we'd like to receive your vote as soon as possible.

Voting FOR the reorganization does not affect the terms or insurance on your accounts. For further information call our Stock Information Center at (___) ___-____.

Best regards and thank you,

Laura Lee Stewart
President Chief Executive Officer

The shares of common stock being offered are not deposits or accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

This is not an offer to sell or a solicitation of an offer to buy common stock. The offer is made only by the prospectus.
Question and Answer Brochure

FACTS ABOUT THE REORGANIZATION
The Board of Directors of Sound Community Bank unanimously adopted an amended Plan of Reorganization and Stock Issuance to reorganize into a mutual holding company structure. As a result of the reorganization, Sound Financial, Inc. will become the federally chartered parent holding company of Sound Community Bank, and Sound Financial, Inc. will be 55.0% owned by Sound Community MHC. In connection with the reorganization, Sound Financial, Inc. is offering a minority of its common stock in a subscription offering to the public pursuant to a Plan of Reorganization and Stock Issuance. Sound Community MHC will be the majority stockholder of the common stock of Sound Financial, Inc. after the reorganization. The depositors of Sound Community Bank will be the members of Sound Community MHC.

This brochure answers some of the most frequently asked questions about the reorganization and about your opportunity to invest in Sound Financial, Inc.

Investment in the stock of Sound Financial, Inc. involves certain risks. For a discussion of these risks and other factors, including a complete description of the offering, investors are urged to read the accompanying Prospectus, especially the discussion under the heading "Risk Factors."

WHAT IS THE PURPOSE OF THE REORGANIZATION?
The primary reasons for the Plan of Reorganization and Stock Issuance are to provide Sound Community Bank with an additional source of capital to better serve the needs of the local community through: increasing our lending capacity to support new loans and higher lending limits; increasing our capital base; allowing us to grow and enhance our profitability; and improving our ability to manage capital, which will include paying cash dividends.

WILL THE REORGANIZATION AFFECT ANY OF MY DEPOSIT ACCOUNTS OR LOANS?
No. The reorganization will not affect the balance or terms of any deposit account or loan. Your deposits will continue to be federally insured by the Federal Deposit Insurance Corporation ("FDIC") to the maximum legal limit. Your deposit account is not being converted to stock.
DO DEPOSITORS HAVE TO BUY STOCK?
No. However, the reorganization will allow Sound Community Bank depositors an opportunity to buy stock and become stockholders of Sound Financial, Inc.
WHAT IS A CHARITABLE FOUNDATION AND WHY IS FIRST FINANCIAL HOLDINGS CONSIDERING INCLUDING THIS IN ITS CONVERSION?
In the Plan, we have indicated our intent to establish a charitable foundation with a portion of the proceeds from the stock offering. We anticipate the establishment of the foundation will enable us to increase our annual charitable giving to the communities we serve. This foundation will provide financial support that is consistent with Sound Community Bank's values, is a reflection of our heritage as a community-based enterprise, and is a tangible expression of our commitment to its community.
WHO IS ELIGIBLE TO PURCHASE STOCK IN THE SUBSCRIPTION OFFERING?
Certain members of Sound Community Bank and the Sound Financial, Inc. employee stock ownership plan.
HOW MANY SHARES OF STOCK ARE BEING OFFERED AND AT WHAT PRICE?
Sound Financial, Inc. is offering through the Prospectus between ____ and ___ shares of common stock at a price of $10.00 per share. The maximum number of shares that we may sell in the

stock offering may increase by 15% to ___ shares as a result of regulatory considerations or changes in financial markets.
HOW MUCH STOCK MAY I BUY?
The minimum order is 25 shares or $250. No person may purchase more than 20,000 shares or $200,000 of common stock in the subscription offering, and no person, together with associates of and persons acting in concert with such persons, may purchase more than 25,000 shares or $250,000 of common stock.
HOW DO I ORDER STOCK?
You must complete the enclosed Stock Order and Certification Form. Instructions for completing your Stock Order and Certification Form are contained in this packet. Your order must be received by Sound Community Bank prior to 12:00 Noon, Pacific Time, on _____.
HOW MAY I PAY FOR MY SHARES OF STOCK?
First, you may pay for stock by check, cash or money order. If paying by cash, please stop at any one of Sound Community Bank's tellers and convert your cash to a check. Interest will be paid by Sound Community Bank on these funds at the statement savings annual percentage yield from the day the funds are received until the reorganization is completed or terminated. Second, you may authorize us to withdraw funds from your Sound Community Bank savings account or certificate of deposit for the amount of funds you specify for payment. You will not have access to these funds from the day we receive your order until the reorganization is completed or terminated. Sound Community Bank will waive any early withdrawal penalties on certificate of deposit accounts used to purchase stock.
CAN I PURCHASE SHARES USING FUNDS IN MY SOUND IRA?
Potentially. However, you must establish a self-directed IRA account at a brokerage firm or trust

Question and Answer Brochurep2

department to which you can transfer a portion or all of your IRA account at Sound Community Bank that will enable such purchase. Please contact your broker or self-directed IRA provider as soon as possible if you want to explore this option, as such transactions take time.
MAY I OBTAIN A LOAN FROM SOUND TO PAY FOR THE STOCK?
No. Regulations do not allow Sound Community Bank to make loans for this purpose, nor may you use a Sound Community Bank line of credit to pay for shares. However, you are not precluded from obtaining financing from another financial institution.
DOES PLACING AN ORDER GUARANTEE THAT I WILL RECEIVE ALL, OR A PORTION, OF THE SHARES I ORDERED?
No. It is possible that orders received during the stock offering will exceed the number of shares offered for sale. In this case, referred to as an "oversubscription," regulations require that orders be filled using a pre-determined allocation procedure. Please refer to the section of the Prospectus titled, "The Reorganization and Stock Offering" for a detailed description of allocation procedures.
If we are not able to fill an order (either wholly or in part), excess funds will be refunded by check, including interest earned at Sound Community Bank's statement savings rate. If payment was to be made by withdrawal from a Sound Community Bank deposit account, excess funds will remain in that account.

WILL THE STOCK BE INSURED?
No. Like any other common stock, Sound Financial, Inc.'s stock will not be insured.
WILL DIVIDENDS BE PAID ON THE STOCK?
Yes. Sound Financial, Inc. intends to pay a quarterly cash dividend beginning after the first quarter following completion of the offering. The

initial dividend rate to be paid on our common stock has not yet been determined.
HOW WILL THE STOCK BE TRADED?
We expect that our common stock will be quoted on the _______ under the symbol ____after this offering.
ARE OFFICERS AND DIRECTORS OF SOUND PLANNING TO PURCHASE STOCK?
Yes! Sound Community Bank's senior officers and directors plan to purchase, in the aggregate, $_____ worth of stock.
MUST I PAY A COMMISSION?
No. You will not be charged a commission or fee on the purchase of shares in the Reorganization.
SHOULD I VOTE?
Yes. Your "YES" vote is very important!
PLEASE VOTE, SIGN AND RETURN ALL PROXY CARDS AT YOUR EARLIEST CONVENIENCE! NOT RETURNING YOUR PROXY CARDS HAS THE SAME EFFECT AS VOTING AGAINST THE REORGANIZATION.

MAY I VOTE IN PERSON AT THE SPECIAL MEETING OF MEMBERS?
Yes, but we would still like you to sign and mail your proxy today. If you decide to revoke your proxy, you may do so by giving notice at the special meeting.

Stock Information Center
(___) ___-____
Sound Financial, Inc.
2005 Fifth Avenue
Suite 200
Seattle, WA 98121

Hours

The Reorganization
and
Stock Issuance

QUESTIONS
&
Answers

{LOGO}

The proposed parent stock holding company
for Sound Community Bank

The shares of common stock being offered are not deposits or accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

This is not an offer to sell or a solicitation of an offer to buy common stock. The offer is made only by the prospectus.

What Investors Need to Know

What Investors Need to Know

Key concepts for investors to bear in mind when considering whether to participate in a conversion offering, or a stock offering by a subsidiary of a mutual holding company, include the following:

Know the Rules By law, accountholders cannot sell or transfer their priority subscription rights, or the stock itself, prior to the completion of a financial institution's conversion. Moreover, accountholders cannot enter into agreements or arrangements to sell or transfer either their subscription rights or the underlying conversion stock.

"Neither a Borrower nor a Lender Be" If someone offers to lend you money so that you can participate or participate more fully in a conversion, be extremely wary. Be even more wary if the source of the money is someone you do not know. The loan agreement may make you unable to certify truthfully that you are the true holder of the subscription rights and the true purchaser of the stock and that you have no agreements regarding the sale or transfer of the stock.

Watch Out for Opportunists The opportunist may tell you that he or she is a lawyer or a consultant or a professional investor or some similarly impressive tale who has experience with similar mutual conversion transactions. The opportunist may go to extreme lengths to assure you that the arrangement you are entering into is legitimate. They might tell you that they have done scores of these transactions and that this is simply how they work. Or they might downplay the warnings or restrictions in the prospectus or order form, telling you that "everyone" enters into such agreements or that the deal they are offering is legitimate. They may also tell you that you have no risk in the transaction. The cold, hard truth is that these are lies, and if you participate, you are breaking the law.

Get the Facts from the Source If you have any questions about the securities offering, ask the savings bank or savings association for more information. If you have any doubts about a transaction proposed to you by someone else, ask the financial institution whether the proposed arrangement is proper. You may be able to find helpful resources on the institution's website or by visiting a branch office.

The bottom line for investors is always to remember that if an opportunity sounds too good to be true, it probably is too good to be true.

What Investors Need to Know

Read This First

Office of Thrift Supervision Guidance for Accountholders

Your financial institution is in the process of selling stock to the public, in either a mutual-to-stock conversion or a stock issuance by a subsidiary of a mutual holding company. As an accountholder at this institution, you have certain priority subscription rights to purchase stock in the offering. These priority subscription rights are non-transferable. If you subscribe for stock, you will be asked to sign a statement that the purchase is for your own account, and that you have no agreement or understanding regarding the subsequent sale or transfer of any shares you receive.

On occasion, unscrupulous people attempt to persuade accountholders to transfer subscription rights, or to purchase shares in the offering based on the understanding that the shares will subsequently be transferred to others. Such arrangements violate federal regulations. If you participate in these schemes, you are breaking the law and may be subject to prosecution. If someone attempts to persuade you to participate in such a scheme, please contact Office of Thrift Supervision (OTS) at (202) 906-6202. OTS is very interested in ensuring that the prohibitions on transfer of subscription rights are not violated.

How will you know if you are being approached illegally? Typically, a fraudulent opportunist will approach you and offer to "loan" you money to purchase a significant amount of stock in the offering. In exchange for that "loan" you most likely will be asked either to transfer control of any stock purchased with that money to an account the other person controls, or sell the stock and give the majority of the profits to the other person. You may be told, untruthfully, that there is no risk to you, that the practice is common, and even if you are caught, that your legal expenses will be covered.

On the back of this page is a list of some key concepts that you should keep in mind when considering whether to participate in a mutual-to-stock conversion or stock issuance by a mutual holding company subsidiary. If you have questions, please contact the stock information center listed elsewhere in the literature you are receiving. Alternatively, you can contact us at: ombudsman@ots.treas.gov.

Opening offering web site message

Sound Website Message:

Plan of Conversion
and
Stock Offering Information

Sound Financial, Inc. is pleased to announce that materials were mailed on ______, 2007 regarding its Plan of Conversion, including its stock offering. If you were a depositor as of ______, ________ or _________ __, 2007, you should be receiving a packet of materials soon. We encourage you to read the information carefully.

If you were a Depositor of Sound Community Bank as of the Voting Record Date, _________ __, 2007, a proxy card(s) is included. We encourage you to return ALL proxy cards as promptly as possible... and THANK YOU!

Information, including a prospectus, regarding Sound Financial, Inc.'s stock offering was also enclosed. The subscription offering has commenced and continues until Noon, local time, on ____, 2007, at which time all orders must be received if you want to subscribe for stock.

Depending upon the outcome of the Subscription Offering our best estimate at this time for trading of Sound Financial, Inc.'s stock on the ________ is late ______. However, as described in the prospectus, it could be later. The stock will trade under the ticker symbol "____". We will keep you as informed as possible on this site.

Our telephone number at the Stock Information Center number is (___) ___-____.

The shares of common stock being offered are not deposits or accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

This is not an offer to sell or a solicitation of an offer to buy common stock. The offer is made only by the prospectus.
End of offering web site message

End of Offering Sound Website Message

Stock Issuance Information

The Sound Financial, Inc. stock offering closed on ___________. The results of the offering are as follows:

________________________________________________.

Interest and refund checks [if applicable] will be mailed on ________, 2008 by regular mail. No special mailing instructions will be accepted.

Allocations will be made available beginning at ____ on ____________, 2008. [If applicable]

Notice to Subscribers not receiving all shares: Please be aware that while we believe this to be a final allocation, we reserve the right to amend this amount up to the time of trading and recommend you verify the number of shares you received on the face of the certificate you will receive prior to trading your shares. [if applicable]

The transfer agent for Sound Financial, Inc. will be Registrar and Transfer Company in Cranford, New Jersey and the phone number for their Investor Relations Department is 1-800-368-5948.

We anticipate trading to begin on ____________, 2008 on the ___________under the symbol "____."

The shares of common stock being offered are not deposits or accounts and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.

This is not an offer to sell or a solicitation of an offer to buy common stock. The offer is made only by the prospectus.
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Federal		6035		-*****
(State or other jurisdiction of incorporation or organization)		(Primary Standard Industrial Classification Code Number)		(I.R.S. Employer Identification No.)

CALCULATION OF REGISTRATION FEE

Title of Each Class of Securities to be Registered	Amount to be Registered	Proposed Maximum Offering Price Per Share⁽¹⁾	Proposed Maximum Aggregate Offering Price⁽¹⁾	Amount of Registration Fee
Common Stock, par value $.01 per shares	1,725,863 shares	$10.00	$17,258,630	$529.84⁽¹⁾
401(k) Plan Participant Interests	(2)	---	$3,200,000	(3)

THE OFFERING
	Election to Purchase Sound Financial, Inc. Common Stock in the Stock Offering	1
	Securities Offered	1
	Method of Directing the Transfer of Funds to Purchase Shares	2
	Deadline for Directing Transfer of Funds	2
	Irrevocability of Transfer Direction	2
	Subsequent Elections	2
	Purchase Price of Sound Financial, Inc. Common Stock	2
	Nature of a Participant's Interest in Sound Financial, Inc. Common Stock	2
	Voting and Tender Rights of Sound Financial, Inc. Common Stock	3

DESCRIPTION OF THE 401(k) PLAN		3
	Introduction	3
	Eligibility and Participation	3
	Contributions Under the 401(k) Plan	3
	Limitations on Contributions	4
	Investment of Contributions	5
	Financial Data	12
	Administration of the 401(k) Plan	15
	Benefits Under the 401(k) Plan	15
	Withdrawals and Distributions from the 401(k) Plan	15
	Reports to 401(k) Plan Participants	16
	Amendment and Termination	16
	Federal Income Tax Consequences	16
	ERISA and Other Qualifications	17
	Restrictions on Resale	18
	Securities and Exchange Commission Reporting and Short-Swing Profit Liability	18

LEGAL OPINIONS		18

ELECTION FORM		A-1

	Percentage Returns (as of 12/31/06)
Name of Fund		1 Year	3 Year	5 Year	10 Year	Since Inception
LIFESTYLE PORTFOLIOS
JH Lifestyle Fund -- Conservative (CLS)		7.70	5.98	5.99	6.52	N/A
JH Lifestyle Fund -- Moderate Portfolio (MLS)		9.78	7.88	7.04	6.74	N/A
JH Lifestyle Fund -- Balanced Portfolio (BLS)		12.15	10.33	8.21	6.84	N/A
JH Lifestyle Fund -- Growth Portfolio (GLS)		13.01	11.56	8.42	6.29	N/A
JH Lifestyle Fund -- Aggressive Portfolio (ALS)		14.97	13.34	9.04	5.27	N/A

INDIVIDUAL INVESTMENT OPTIONS - CONSERVATIVE
John Hancock USA 3-Year Guaranteed Interest Account (3YC)⁽¹⁾		3.98	2.05	3.66	5.58	N/A
John Hancock USA 5-Year Guaranteed Interest Account (5YC) ⁽¹⁾		4.03	2.89	4.48	5.75	N/A
John Hancock USA 10-Year Guaranteed Interest Account (10YC) ⁽¹⁾		4.08	3.51	4.98	6.06	N/A
Money Market Fund (MMR)		3.98	2.13	1.43	2.90	N/A
_____________________________________ ⁽¹⁾ Rates reflect guaranteed "new money" rate for funds invested in 2006 (1 Year), 2004 (3 Year), 2002 (5 Year) and 1997 (10 Year).

INDIVIDUAL INVESTMENT OPTIONS - INCOME
US Government Securities Fund (USF)		3.76	2.37	3.10	4.62	N/A
Active Bond Fund (DVB)		3.58	2.86	4.00	5.78	N/A
Core Bond Fund (COR)		3.44	N/A	N/A	N/A	1.97
Real Return Bond Fund (RRBF)		-0.06	3.19	N/A	N/A	2.73
Total Return Fund (TRF)		3.13	3.32	4.70	N/A	5.35
Investment Quality Bond Fund (IQB)		3.17	3.12	5.15	5.61	N/A
Global Fond Fund (GLB)		4.38	2.28	8.05	4.33	N/A
Strategic Income Fund (SIM)		3.56	N/A	N/A	N/A	5.58
Strategic Bond Fund (SBF)		6.35	4.93	7.18	6.09	N/A
US High Yield Bond Fund (USH)		9.16	N/A	N/A	N/A	7.52
High Yield Fund (HYF)		10.06	7.96	7.70	4.33	N/A

INDIVIDUAL INVESTMENT OPTIONS - GROWTH & INCOME
Global Allocation Fund (TAF)		13.08	10.36	5.32	N/A	1.45
JH American Funds American Balanced Fund (ABF)		11.04	7.12	6.87	8.92	N/A
Income & Value Fund (I&V)		8.23	6.76	5.12	6.82	N/A
JH American Funds Washington Mutual Investors Fund (WMI)		17.17	9.51	6.76	9.07	N/A
Equity Income Fund (EIF)		18.39	11.87	8.63	9.56	N/A
JH American Funds Investment Company of America (ICA)		15.10	9.96	7.18	9.65	N/A
Quantitative Value Fund (EQI)		20.88	N/A	N/A	N/A	19.13
Large Cap Fund (LRC)		14.03	N/A	N/A	N/A	14.18
U.S. Core Fund (GRI)		8.64	5.41	2.11	5.95	N/A
Fundamental Value Fund (FUN)		14.14	10.98	8.10	N/A	5.88
500 Index Fund (IND)		14.77	9.37	5.17	7.37	N/A

INDIVIDUAL INVESTMENT OPTIONS - GROWTH
All Cap Fund (ACV)		13.45	11.33	6.46	N/A	5.80
Value Fund (VLF)		20.55	15.72	10.48	N/A	8.96
Mid Cap Value Fund (MAV)		11.32	14.09	10.70	N/A	10.24
Mid Value Fund (MVF)		19.85	N/A	N/A	N/A	17.60
Special Value Fund (SVA)		10.50	11.93	N/A	N/A	15.63
Small Company Value Fund (SMF)		15.01	15.29	13.87	N/A	8.94
Small Cap Value Fund (SMV)		18.77	N/A	N/A	N/A	17.67
Small Cap Opportunities Fund (SPO)		10.41	13.99	N/A	N/A	20.13

Real Estate Securities Fund (REF)	36.83	26.02	23.19	12.57	N/A
Utilities Fund (ULT)	30.50	25.11	14.87	N/A	7.32
Classic Value Fund (CLV)	15.60	N/A	N/A	N/A	13.53
Large Cap Value Fund (LCV)	16.20	17.32	N/A	N/A	20.18
Core Equity Fund (CEF)	6.48	N/A	N/A	N/A	9.46
US Large Cap Fund (ULC)	10.26	8.20	5.22	N/A	4.03
Blue Chip Growth Fund (BCF)	9.15	7.63	3.90	6.76	N/A
Total Stock Market Index Fund (TSM)	14.91	10.42	6.53	N/A	2.13
All Cap Core Fund (GRF)	14.09	12.67	6.83	5.13	N/A
Quantitative All Cap Fund (QAC)	14.78	12.44	N/A	N/A	15.32
US Global Leaders Growth Fund (GLF)	1.47	N/A	N/A	N/A	2.73
JH American Funds Growth Fund of America (GFA)	10.20	11.62	7.29	12.17	N/A
Capital Appreciation Fund (CPA)	1.85	8.04	2.37	N/A	-1.45
Global Fund (GEF)	19.90	14.78	9.13	7.18	N/A
Mid Cap Index Fund (MCI)	9.29	12.08	9.79	N/A	8.54
Quantitative Mid Cap Fund (SEL)	3.85	11.39	8.01	N/A	3.22

INDIVIDUAL INVESTMENT OPTIONS - AGGRESSIVE GROWTH
International Core fund (ITS)	24.32	18.30	10.90	5.01	N/A
International Value Fund (ITV)	28.94	19.46	15.13	N/A	8.39
JH American Funds Euro Pacific Growth Fund (EPG)	20.78	19.95	14.32	10.42	N/A
Overseas Equity Fund (OEF)	19.26	N/A	N/A	N/A	25.49
International Equity Index Fund (IIF)	24.95	20.20	15.73	7.24	N/A
International Small Cap Fund (ISF)	28.44	18.52	16.39	7.79	N/A
International Opportunities Fund (IOF)	23.70	N/A	N/A	N/A	29.08
Financial Services Fund (FSF)	22.65	13.83	9.94	N/A	7.31
All Cap Growth Fund (MCR)	6.15	6.70	3.34	5.32	N/A
Natural Resources Fund (RES)	20.80	29.36	N/A	N/A	33.93
Mid Cap Stock Fund (MCS)	13.56	14.95	10.69	N/A	4.51
Dynamic Growth Fund (DYN)	10.64	10.73	4.49	N/A	-10.21
Small Company Fund (SML)	5.34	N/A	N/A	N/A	12.35
Small Cap Index Fund (SCI)	17.13	12.37	10.03	N/A	8.03
Small Cap Fund (SCA)	7.23	N/A	N/A	N/A	9.99
Emerging Small Company Fund (EGF)	2.36	5.98	3.17	5.76	N/A
Small Cap Growth Fund (SCF)	13.00	N/A	N/A	N/A	20.49
Emerging Growth Fund (EGR)	12.46	8.71	N/A	N/A	13.26
Health Sciences Fund (HFC)	7.98	11.66	6.49	N/A	7.17
Pacific Rim Fund (PRE)	10.63	17.23	14.48	1.91	N/A
Science & Technology Fund (STF)	5.14	2.42	-1.01	1.37	N/A

(1)	Estimated solely for the purpose of calculating the registration fee.
(2)	The securities of Sound Financial, Inc. to be purchased by the Sound Community Bank 401(k) Profit Sharing Plan (the "401(k) Plan") are included in the amount of shares of common stock being registered.
(3)	The $3,200,000 of participation interests to be registered are based on the projected assets of the 401(k) Plan available to purchase shares in the offering. Pursuant to Rule 457(h)(2) under the Securities Act of 1933, no additional fee is required with respect to the registration of the interests of participants in the 401(k) Plan.

	(i)	the sponsoring employer is allowed an immediate tax deduction for the amount contributed to the plan each year;
	(ii)	participants pay no current income tax on amounts contributed by the employer on their behalf; and
	(iii)	earnings of the Plan are tax-deferred, thereby permitting the tax-free accumulation of income and gains on investments.

Participant's Name:	Social Security Number:
	(Please Print)

Address:
	Street	City	State	Zip Code

Percentage To Be Transferred	From My Account Balance in Fund
	LIFESTYLE PORTFOLIOS
__________%	JH Lifestyle Fund -- Conservative (CLS)
__________%	JH Lifestyle Fund -- Moderate Portfolio (MLS)
__________%	JH Lifestyle Fund -- Balanced Portfolio (BLS)
__________%	JH Lifestyle Fund -- Growth Portfolio (GLS)
__________%	JH Lifestyle Fund -- Aggressive Portfolio (ALS)

If your funds are in a Lifestyle Fund, you need only show the transfer above and not below based on the individual funds in that Lifestyle Fund.

	INDIVIDUAL INVESTMENT OPTIONS - CONSERVATIVE
__________%	John Hancock USA 3-Year Guaranteed Interest Account (3YC)
__________%	John Hancock USA 5-Year Guaranteed Interest Account (5YC)
__________%	John Hancock USA 10-Year Guaranteed Interest Account (10YC)
__________%	Money Market Fund (MMR)

	INDIVIDUAL INVESTMENT OPTIONS - INCOME
__________%	US Government Securities Fund (USF)
__________%	Active Bond Fund (DVB)
__________%	Core Bond Fund (COR)
__________%	Real Return Bond Fund (RRBF)
__________%	Total Return Fund (TRF)
__________%	Investment Quality Bond Fund (IQB)
__________%	Global Fond Fund (GLB)
__________%	Strategic Income Fund (SIM)
__________%	Strategic Bond Fund (SBF)
__________%	US High Yield Bond Fund (USH)
__________%	High Yield Fund (HYF)

	INDIVIDUAL INVESTMENT OPTIONS - GROWTH ∓ INCOME
__________%	Global Allocation Fund (TAF)
__________%	JH American Funds American Balanced Fund (ABF)
__________%	Income ∓ Value Fund (I∓V)
__________%	JH American Funds Washington Mutual Investors Fund (WMI)
__________%	Equity Income Fund (EIF)
__________%	JH American Funds Investment Company of America (ICA)
__________%	Quantitative Value Fund (EQI)
__________%	Large Cap Fund (LRC)
__________%	U.S. Core Fund (GRI)
__________%	Fundamental Value Fund (FUN)
__________%	500 Index Fund (IND)

A.	[ ]	Eligible Account Holder - Check here if you were a depositor with $50.00 or more on deposit with Sound Community Bank as of June 30, 2006.
B.	[ ]	Supplemental Eligible Account Holder - Check here if you were a depositor with $50.00 or more on deposit with Sound Community Bank as of September 30, 2007, but are not an eligible account holder.
C.	[ ]	Other Member - Check here if you were a depositor with Sound Community Bank as of ________, 2007, but are not an eligible account holder or supplemental eligible account holder.

	Minimum	Maximum	Maximum, as adjusted
Per Share Price	$10.00	$10.00	$10.00
Number of Shares	1,084,600	1,467,400	1,687,510
Underwriting Commission	$83,647	$118,517	$138,567
Other Expenses	$695,000	$695,000	$695,000
Net Proceeds to Sound Financial, Inc.	$10,067,353	$13,860,483	$16,041,533
Net Proceeds Per Share	$9.28	$9.45	$9.51

	Page
SUMMARY	1
RISK FACTORS	19
SELECTED CONSOLIDATED FINANCIAL INFORMATION	27
SOUND FINANCIAL, INC.	29
SOUND COMMUNITY BANK	29
SOUND COMMUNITY MHC	29
HOW WE INTEND TO USE THE PROCEEDS	30
MARKET FOR SOUND FINANCIAL, INC. COMMON STOCK	32
OUR POLICY REGARDING DIVIDENDS	32
PRO FORMA DATA	33
COMPARISON OF VALUATION AND PRO FORMA INFORMATION WITH AND WITHOUT THE CHARITABLE FOUNDATION	40
CAPITALIZATION	41
WE EXCEED ALL REGULATORY CAPITAL REQUIREMENTS	42
THE REORGANIZATION AND STOCK OFFERING	43
PROPOSED PURCHASES BY MANAGEMENT	65
SOUND COMMUNITY FOUNDATION	66
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	70
BUSINESS OF SOUND COMMUNITY BANK	89
MANAGEMENT	117
TAXATION	134
RESTRICTIONS ON ACQUISITION OF SOUND FINANCIAL, INC. AND SOUND COMMUNITY BANK	136
DESCRIPTION OF CAPITAL STOCK OF SOUND FINANCIAL, INC.	138
TRANSFER AGENT AND REGISTRAR	140
EXPERTS	140
LEGAL AND TAX OPINIONS	140
WHERE YOU CAN FIND ADDITIONAL INFORMATION	140
INDEX TO CONSOLIDATED FINANCIAL STATEMENTS	136

	(1)	Depositors who held at least $50 with us on June 30, 2006;
	(2)	Sound Financial, Inc. Employee Stock Ownership Plan;
	(3)	Depositors, other than directors and officers of Sound Financial and Sound Community Bank, who held at least $50 with us on September 30, 2007, who do not qualify under priority (1) above; and
	(4)	Depositors with us on ____________, 2007, to the extent not already included in a prior category.

	Non-Fully Converted Price to Earnings Multiple	Non-Fully Converted Price to Book Value Ratio
Sound Financial
Maximum, as adjusted	45.57x	129.20%
Maximum	40.38x	120.05%
Minimum	31.50x	100.75%

Valuation of peer group companies as of August 31, 2007⁽¹⁾
Averages	25.97x	145.72%
Medians	23.51x	131.25%

(1) Reflects earnings and equity as of or for the most recent 12-month period.

	Fully Converted Price to Earnings Multiple	Fully Converted Price to Book Value Ratio
Sound Financial
Maximum, as adjusted	35.54x	79.35%
Maximum	32.29x	75.78%
Minimum	25.89x	67.55%

Valuation of peer group companies as of August 31, 2007⁽¹⁾
Averages	24.53x	83.76%
Medians	26.62x	81.11%

(1) Reflects earnings and equity as of or for the most recent 12-month period.

Number of Shares at Maximum of Offering Range	Plan	As a % of Outstanding Shares		Individuals Eligible to Receive Awards	As a % of Shares Sold in Offering		Value of Benefits Based on Maximum of Offering Range⁽¹⁾
							(In Thousands)
130,732	Employee stock ownership plan	3.92	%	Employees	8.91	%	$1,307

65,366	Restricted stock awards	1.96		Directors and employees	4.45		654
163,415	Stock options	4.90		Directors and employees	11.14		655
359,513		10.78	%		24.50	%	$2,616
________________________________

Share Price		48,314 Shares Awarded at Minimum of Range	56,840 Shares Awarded at Midpoint of Range	65,366 Shares Awarded at Maximum of Range	75,171 Shares Awarded at Maximum of Range, As Adjusted
	(In thousands, except per share amounts)
$ 8.00		$387	$455	$523	$ 601
10.00		483	568	654	752
12.00		580	682	784	902
14.00		676	796	915	1,052

Market/ Exercise Price		Grant-Date Fair Value Per Option	120,785 Options at Minimum of Range	142,100 Options at Midpoint of Range	163,415 Options at Maximum of Range	187,927 Options at Maximum of Range, As Adjusted
	(In thousands, except per share amounts)
$ 8.00		$3.21	$388	$456	$525	$ 603
10.00		4.01	484	570	655	754
12.00		4.81	581	684	786	904
14.00		5.61	678	797	917	1,054

	At June 30,	At December 31,
	2007	2006	2005	2004
	(In thousands)
Selected Financial Condition Data:

Total assets	$230,656	$221,070	$204,231	$176,057
Loans receivable, net	214,986	206,119	190,535	157,705
Mortgage-backed securities available for sale (at fair value)	117	170	222	3,481
Federal Home Loan Bank stock	1,320	1,320	1,320	1,136
Deposits	183,549	180,968	168,173	158,901
Federal Home Loan Bank advances	27,669	22,029	21,304	2,669
Equity	15,982	15,569	13,310	12,888

Number of Transactions	Average Price Appreciation After One Month	Average Price Appreciation Through 8/31/07

13	11.6%	7.6%

	Minimum	Maximum	Maximum, as adjusted
	(Dollars in thousands)

Retained by Sound Financial	$ 948	$ 4,092	$ 5,900
Loan to employee stock ownership plan	966	1,307	1,503
Contributed to Sound Community Bank	7,953	8,261	8,438
Contributed to charitable foundation	200	200	200
Net proceeds from stock offering	$10,067	$13,860	$16,041

	For the six months ended June 30,			For the year ended December 31,
	2007		2006	2006	2005		2004
	(In thousands)
Selected Operations Data:

Total interest income	$7,151		$6,999	$13,641	$12,158		$9,937
Total interest expense	3,727		3,004	6,386	4,376		3,256
Net interest income	3,424		3,995	7,255	7,782		6,681
Provision for loan losses	---		259	282	946		857
Net interest income after provision for loan losses	3,424		3,736	6,973	6,836		5,824
Fees and service charges	899		963	1,911	1,642		1,548
Gain (loss) on sales of loans⁽¹⁾	(16	)	2,249	2,277	(13	)	(21	)
Gain (loss) on sales of securities	---		---	---	(21	)	2
Other non-interest income	220		222	424	508		477
Total non-interest income	1,103		3,434	4,612	2,116		2,006
Total non-interest expense	3,940		4,232	8,234	8,298		7,891
Income before provision for income taxes	586		2,938	3,351	654		(61	)
Provision for income taxes	175		983	1,108	258		(31	)
Net income	$ 411		$1,955	$ 2,243	$ 396		$ (30	)

_____________________________
(1)	The gain on sale of loans for the year ended December 31, 2006 and for the six months ended June 30, 2006, includes the $2.3 million gain on the sale of our $11.6 million credit card portfolio.


(1)	Performance ratios for the six month periods ended June 30, 2007 and 2006 are annualized as appropriate. Performance ratios during the 2006 periods include a $2.3 million gain resulting from the sale of credit card loans.
(2)	Net interest income divided by average interest earning assets.
(3)	Total other operating expense, excluding real estate owned and repossessed property expense, as a percentage of net interest income and total other operating income, excluding net securities transactions.

	At or For the Six Months Ended June 30, 2007 (Based upon a price of $10.00 per share)
	1,084,600 shares (Minimum of Offering Range)		1,276,000 shares (Midpoint of Offering Range)		1,467,400 shares (Maximum of Offering Range)		1,687,510 shares (Maximum, as adjusted, of Offering Range)⁽¹⁾
	(In thousands, except share and per share data)
Pro forma market capitalization:

Gross proceeds of public offering	$10,846		$12,760		$14,674		$16,875
Plus: shares issued to charitable foundation	247		290		334		384
Pro forma market capitalization	$11,093		$13,050		$15,008		$17,259

Gross proceeds of public offering	$10,846		$12,760		$14,674		$16,875
Less: offering expenses	(779	)	(796	)	(814	)	(834	)
Less: payoff of Bank borrowings	(8,000	)	(10,000	)	(11,500	)	(11,500	)
Estimated net investable proceeds	2,067		1,964		2,360		4,541
Less: common stock acquired by employee stock ownership plan⁽²⁾	(966	)	(1,137	)	(1,307	)	(1,503	)
Less: common stock acquired for restricted stock awards⁽³⁾	(483	)	(568	)	(654	)	(752	)
Less: cash contribution to charitable foundation	(200	)	(200	)	(200	)	(200	)
Estimated net proceeds, as adjusted	$ 418		$ 59		$ 199		$ 2,087

Pro forma consolidated net income for the six months ended June 30, 2007:

Historical	$411		$411		$411		$411
Pro forma income on net proceeds	7		1		3		33
Reduction in interest expense on Bank borrowings	126		158		181		181
Less: pro forma employee stock ownership plan adjustment⁽²⁾	(31	)	(36	)	(41	)	(48	)
Less: pro forma restricted stock adjustment⁽³⁾	(31	)	(36	)	(41	)	(48	)
Less: pro forma stock option adjustment⁽⁴⁾	(44	)	(52	)	(60	)	(69	)
Pro forma net income	$439		$447		$454		$461

Per share net income for the six months ended June 30, 2007:

Historical	$0.17		$0.15		$0.13		$0.11
Pro forma income on net proceeds	---		---		---		0.01
Reduction in interest expense on Bank borrowings	0.05		0.06		0.06		0.05
Less: pro forma employee stock ownership plan adjustment⁽²⁾	(0.01	)	(0.01	)	(0.01	)	(0.01	)
Less: pro forma restricted stock adjustment⁽³⁾	(0.01	)	(0.01	)	(0.01	)	(0.01	)
Less: pro forma stock option adjustment⁽⁴⁾	(0.02	)	(0.02	)	(0.02	)	(0.02	)
Pro forma net income per share	$0.18		$0.17		$0.15		$0.13

Shares used for calculating pro forma net earnings per share	2,373,203		2,792,004		3,210,804		3,692,426

Stock price as a multiple of annualized pro forma net earnings per share	27.78x		29.41x		33.33x		38.46x

	(table continued on following page)				(Footnotes on page 39)

	At or For the Year Ended December 31, 2006 (Based upon a price of $10.00 per share)
	1,084,600 shares (Minimum of Offering Range)		1,276,000 shares (Midpoint of Offering Range)		1,467,400 shares (Maximum of Offering Range)		1,687,510 shares (Maximum, as adjusted, of Offering Range)⁽¹⁾
	(In thousands, except share and per share data)
Pro forma market capitalization:

Gross proceeds of public offering	$10,846		$12,760		$14,674		$16,875
Plus: shares issued to charitable foundation	247		290		334		384
Pro forma market capitalization	$11,093		$13,050		$15,008		$17,259

Gross proceeds of public offering	$10,846		$12,760		$14,674		$16,875
Less: offering expenses	(779	)	(796	)	(814	)	(834	)
Less: payoff of Bank borrowings	(8,000	)	(10,000	)	(11,500	)	(11,500	)
Estimated net investable proceeds	2,067		1,964		2,360		4,541
Less: common stock acquired by employee stock ownership plan⁽²⁾	(966	)	(1,137	)	(1,307	)	(1,503	)
Less: common stock acquired for restricted stock awards⁽³⁾	(483	)	(568	)	(654	)	(752	)
Less: cash contribution to charitable foundation	(200	)	(200	)	(200	)	(200	)
Estimated net proceeds, as adjusted	$ 418		$ 59		$ 199		$ 2,087

Pro forma consolidated net income for the year months ended December 31, 2006:

Historical	$2,243		$2,243		$2,243		$2,243
Pro forma income on net proceeds	13		2		6		65
Reduction in interest expense on Bank borrowings	252		315		362		362
Less: pro forma employee stock ownership plan adjustment⁽²⁾	(61	)	(72	)	(82	)	(95	)
Less: pro forma restricted stock adjustment⁽³⁾	(61	)	(72	)	(82	)	(95	)
Less: pro forma stock option adjustment⁽⁴⁾	(88	)	(103	)	(119	)	(137	)
Pro forma net income	$2,297		$2,313		$2,328		$2,343

Per share net income for the year ended December 31, 2006:

Historical	$0.94		$0.80		$0.70		$0.61
Pro forma income on net proceeds	0.01		---		---		0.02
Reduction in interest expense on Bank borrowings	0.11		0.11		0.11		0.10
Less: pro forma employee stock ownership plan adjustment⁽²⁾	(0.03	)	(0.03	)	(0.03	)	(0.03	)
Less: pro forma restricted stock adjustment⁽³⁾	(0.03	)	(0.03	)	(0.03	)	(0.03	)
Less: pro forma stock option adjustment⁽⁴⁾	(0.04	)	(0.04	)	(0.04	)	(0.04	)
Pro forma net income per share	$0.96		$0.81		$0.71		$0.63

Shares used for calculating pro forma net earnings per share	2,378,035		2,797,688		3,217,341		3,699,943

Stock price as a multiple of annualized pro forma net earnings per share	10.42x		12.35x		14.08x		15.87x

	(table continued on following page)				(Footnotes on page 39)

	At or For the Year ended Ended December 31, 2006 (Based upon a price of $10.00 per share)
	1,084,600 shares (Minimum of Offering Range)		1,276,000 shares (Midpoint of Offering Range)		1,467,400 shares (Maximum of Offering Range)		1,687,510 shares (Maximum, as adjusted, of Offering Range)⁽¹⁾
	(In thousands, except share and per share data)
Pro forma shareholders' equity at December 31, 2006:

Historical	$15,569		$15,569		$15,569		$15,569
Estimated net proceeds	10,067		11,964		13,860		16,041
Less: capitalization of MHC	(100	)	(100	)	(100	)	(100	)
Plus: shares issued to charitable foundation	247		290		334		384
Less: shares issued to charitable foundation	(247	)	(290	)	(334	)	(384	)
Less: cash contribution to charitable foundation	(200	)	(200	)	(200	)	(200	)
Tax benefit of the contribution to charitable foundation	165		181		197		216
Less: common stock acquired by employee stock ownership plan⁽²⁾	(966	)	(1,137	)	(1,307	)	(1,503	)
Less: common stock acquired for restricted stock awards⁽³⁾	(483	)	(568	)	(654	)	(752	)
Pro forma shareholders' equity	$24,052		$25,709		$27,365		$29,271

Shareholders' equity per share at December 31, 2006:

Historical	$6.32		$5.37		$4.67		$4.06
Estimated net proceeds	4.08		4.13		4.16		4.18
Less: capitalization of MHC	(0.04	)	(0.03	)	(0.03	)	(0.03	)
Plus: shares issued to charitable foundation	0.10		0.10		0.10		0.10
Less: shares issued to charitable foundation	(0.10	)	(0.10	)	(0.10	)	(0.10	)
Less: cash contribution to charitable foundation	(0.08	)	(0.07	)	(0.06	)	(0.05	)
Tax benefit of the contribution to charitable foundation	0.07		0.06		0.06		0.06
Less: common stock acquired by employee stock ownership plan⁽²⁾	(0.39	)	(0.39	)	(0.39	)	(0.39	)
Less: common stock acquired for restricted stock awards⁽³⁾	(0.20	)	(0.20	)	(0.20	)	(0.20	)
Pro forma shareholders' equity per share	$9.76		$8.87		$8.21		$7.63
Shares used for pro forma shareholders' equity per share	2,465,000		2,900,000		3,335,000		3,385,251

Stock price as a percentage of pro forma shareholders' equity per share	102.46	%	112.74	%	121.80	%	130.06	%
	(Footnotes on following page)

(1)	As adjusted to give effect to an increase in the number of shares which could occur due to an increase in the estimated offering range of up to 15% as a result of regulatory considerations, demand for the shares, or changes in market or general financial and economic conditions following the commencement of the offering.
(2)	It is assumed that the employee stock ownership plan will purchase a number of shares equal to 3.92% of the shares outstanding after the offering. The employee stock ownership plan is assumed to be funded internally with a loan from Sound Financial. Sound Community Bank intends to make annual contributions to the employee stock ownership plan in an amount at least equal to the principal and the interest requirement of the debt. Sound Community Bank's total annual payments on the employee stock ownership plan debt is based upon a 10 year loan. The pro forma adjustments assume the employee stock ownership plan shares are allocated in equal installments based on the number of loan repayment installments assumed to be paid by Sound Community Bank, the fair value of the common stock remains at the subscription price and the employee stock ownership plan expense reflects an estimated combined federal and state effective tax rate of 37.0%. The unallocated employee stock ownership plan shares are reflected as a reduction of shareholders' equity. No reinvestment rate is assumed on the proceeds contributed to fund the employee stock ownership plan. The pro forma net income further assumes that (i) 9,663, 11,368, 13,073 and 15,034 shares were committed to be released during the year ended December 31, 2006 and 4,831, 5,684, 6,537 and 7,517 shares were committed to be released during the six months ended June 30, 2007 at the minimum, midpoint, maximum and the adjusted maximum of the offering range, respectively, and (ii) only the employee stock ownership plan shares committed to be released during the period were considered outstanding for purposes of net income per share calculations.
(3)	If the stock-based incentive plan is approved by Sound Financial's shareholders, Sound Financial may purchase an aggregate number of shares of common stock equal to 1.96% of the shares outstanding after the offering (or possibly a greater number of shares if the plan is implemented more than one year after completion of the offering, although the plan, including the amount awarded under the plan, may remain subject to supervisory restrictions), to be awarded as restricted stock to officers and directors under the stock-based incentive plan. Shareholder approval of the stock-based incentive plan and purchases of stock for grant under the plan may not occur earlier than six months after the completion of the offering. The shares may be issued directly by Sound Financial or acquired through open market purchases. The funds to be used to purchase the shares to be awarded by the stock-based incentive plan will be provided by Sound Financial. The table assumes that (i) the shares to be awarded under the stock-based incentive plan are acquired through open market purchases at $10.00 per share, (ii) 20.0% of the amount contributed for restricted stock awards is expensed during the year ended December 31, 2006 and 10.0% of the amount contributed for restricted stock awards is expensed during the six months ended June 30, 2007 (based on a five-year vesting period), respectively, and (iii) the stock-based incentive plan expense reflects an estimated marginal federal effective tax rate of 37.0%. Assuming shareholder approval of the stock-based incentive plan and that shares of common stock (equal to 1.96% of the shares outstanding after the offering) are awarded through the use of authorized but unissued shares of common stock, shareholders would have their ownership and voting interests diluted by approximately 1.9%.
(4)	Gives effect to the options we expect to grant under the stock-based incentive plan, which is expected to be adopted by Sound Financial following the offering and presented for shareholder approval not earlier than six months after the completion of the offering. We have assumed that options will be granted to acquire a number of shares equal to 4.90% of the shares outstanding after the offering. In calculating the pro forma effect of the stock options, it is assumed that the exercise price of the stock options and the trading price of the stock at the date of grant were $10.00 per share, the estimated grant-date fair value pursuant to the application of the Black-Scholes option pricing model was $4.01 for each option, the aggregate grant-date fair value of the stock options was amortized to expense on a straight line basis over a five-year vesting period of options with a ten-year term, and an estimated marginal federal effective tax rate of 37.0%. Under the above assumptions, the granting of options under the stock-based incentive plan will result in no additional shares under the treasury stock method for purposes of calculating earnings per share. There can be no assurance that the actual exercise price of the stock options will be equal to the $10.00 price per share. If a portion of the shares to satisfy the exercise options under the stock-based incentive plan are obtained from the issuance of authorized but unissued shares, our net income per share and shareholders' equity per share will decrease. This will also have a dilutive effect of up to 4.7% on the ownership interest of persons who purchase common stock in the offering.

	At the Minimum of the Offering Range		At the Midpoint of the Offering Range		At the Maximum of the Offering Range		At the Maximum, As Adjusted, of the Offering Range
	With Foundation	No Foundation	With Foundation	No Foundation	With Foundation	No Foundation	With Foundation	No Foundation
	(1,084,600 Shares)	(1,132,200 Shares)	(1,276,000 Shares)	(1,332,000 Shares)	(1,467,400 Shares)	(1,531,800 Shares)	(1,687,510 Shares)	(1,761,600 Shares)

	(Dollars in thousands, except per share data)

Estimated offering amount	$10,846	$11,322	$12,760	$13,320	$14,674	$15,318	$16,875	$17,616
Pro forma market capitalization (offering and foundation)	11,093	11,322	13,050	13,320	15,008	15,318	17,259	17,616
Estimated full value	24,650	25,160	29,000	29,600	33,350	34,040	38,353	39,146
Pro forma total assets	231,155	231,609	230,812	231,324	230,968	231,539	232,875	233,512
Pro forma total liabilities	206,690	206,690	206,690	204,690	206,690	203,190	206,690	203,190
Pro forma shareholders' equity	24,465	24,919	26,122	26,634	27,778	28,349	29,685	30,322
Pro forma net income (six months ended June 30, 2007)	439	445	447	454	454	462	461	470
Pro forma shareholders' equity per share	9.92	9.90	9.01	9.00	8.33	8.33	7.74	7.74
Pro forma net income per share (six months ended June 30, 2007)	0.18	0.19	0.17	0.16	0.15	0.15	0.13	0.13

Pro Forma Pricing Ratios
Offering price as a percentage of pro forma shareholders' equity per share	100.81%	101.01%	110.99%	111.11%	120.05%	120.05%	129.20%	129.20%

Offering price to annualized pro forma net income per share	27.78x	26.32x	29.41x	31.25x	33.33x	33.33x	38.46x	38.46x

Pro Forma Financial Ratios
Return on assets (annualized)	0.38%	0.38%	0.39%	0.39%	0.39%	0.40%	0.40%	0.40%
Return on equity (annualized)	3.59%	3.57%	3.42%	3.41%	3.27%	3.26%	3.11%	3.10%
Shareholders' equity/total assets	10.58%	10.76%	11.32%	11.51%	12.03%	12.24%	12.75%	12.99%

		Sound Financial – Pro Forma (Based upon a price of $10.00 per share)
	Sound Community Bank Historical Capitalization		1,084,600 shares (Minimum of Offering Range)		1,276,000 shares (Midpoint of Offering Range)		1,467,400 shares (Maximum of Offering Range)		1,687,510 shares (Maximum, as adjusted, of Offering Range)
	(In thousands, except share and per share data)

Deposits⁽¹⁾	$183,549		$183,549		$183,549		$183,549		$183,549
Federal Home Loan Bank Advances	27,669		27,669		27,669		27,669		27,669
Total deposits and borrowed funds	$211,466		$211,466		$211,466		$211,466		$211,466

Shareholders' equity
Common stock, $0.01 par value, 24,000,000 shares authorized; shares to be issued as reflected⁽²⁾	$ ---		$ 11		$ 13		$ 15		$ 17
Additional paid-in capital⁽²⁾	---		9,820		11,673		13,525		15,657
Retained earnings⁽³⁾	15,977		15,977		15,977		15,977		15,977
Capital contribution to MHC	---		(100	)	(100	)	(100	)	(100	)
Less:
Expense of stock contribution to charitable foundation	---		(247	)	(290	)	(334	)	(384	)
Expense of cash contribution to charitable foundation	---		(200	)	(200	)	(200	)	(200	)
Add:
Tax benefit of contribution to charitable foundation	---		165		181		197		216
Accumulated other comprehensive income	5		5		5		5		5
Less:
Common stock acquired by employee stock ownership plan⁽⁴⁾	---		(966	)	(1,137	)	(1,307	)	(1,503	)
Total shareholders' equity	$ 15,982		$ 24,465		$ 26,122		$ 27,778		$ 29,685

Pro forma shareholders' equity to assets⁽¹⁾	6.93	%	10.23	%	10.85	%	11.46	%	12.15	%


(1)	Does not reflect withdrawals from deposit accounts for the purchase of common stock in the offering. Such withdrawals would reduce pro forma deposits and assets by the amount of such withdrawals.
(2)	Reflects the issuance of the shares of common stock to be sold in the offering. Assumes that a number of shares equal to 1.96% of the shares outstanding after the offering are purchased in the open market by the stock-based incentive plan, with funding from Sound Financial, subsequent to the offering at the purchase price of $10.00 per share. The stock-based incentive plan is subject to shareholder approval.
(3)	Pro forma retained earnings reduced by $100,000 to fund capitalization of Sound Community MHC.
(4)	Assumes that a number of shares equal to 3.92% of the shares outstanding after the offering will be acquired by the employee stock ownership plan with funds borrowed from Sound Financial and will represent unearned compensation, reflected as a reduction of capital.

	Actual, at June 30,2007			Minimum Offering				Midpoint Offering				Maximum Offering				Maximum, As Adjusted Offering⁽¹⁾
	Amount	Percentage of Assets⁽²⁾		Amount		Percentage of Assets⁽²⁾		Amount		Percentage of Assets⁽²⁾		Amount		Percentage of Assets⁽²⁾		Amount		Percentage of Assets⁽²⁾
	(Dollars in thousands)

GAAP Capital⁽³⁾	$15,982	6.93	%	$22,969		10.00	%	$22,957		10.00	%	$22,936		10.00	%	$22,917		10.00	%

Core or Tier 1 Capital:
Actual or Pro Forma	$15,977	6.93	%	$22,964		10.00	%	$22,952		10.00	%	$22,931		10.00	%	$22,912		10.00	%
Required⁽⁴⁾	9,226	4.00		9,189		4.00		9,182		4.00		9,176		4.00		9,168		4.00
Excess	$ 6,751	2.93	%	$13,775		6.00	%	$13,770		6.00	%	$13,755		6.00	%	$13,744		6.00	%

Tier 1 Risk-Based Capital:
Actual or Pro Forma⁽⁵⁾⁽⁶⁾	$15,977	10.05	%	$22,964		14.46	%	$22,952		14.45	%	$22,931		14.44	%	$22,912		14.43	%
Required⁽⁷⁾	9,542	6.00		9,531		6.00		9,529		6.00		9,527		6.00		9,524		6.00
Excess	$ 6,435	4.05	%	$13,433		8.46	%	$13,423		8.45	%	$13,404		8.44	%	$13,388		8.43	%

Risk-Based Capital:
Actual or Pro Forma⁽⁵⁾⁽⁶⁾	$16,656	10.47	%	$23,643		14.88	%	$23,631		14.88	%	$23,610		14.87	%	$23,591		14.86	%
Required⁽⁸⁾	12,723	8.00		12,707		8.00		12,705		8.00		12,702		8.00		12,699		8.00
Excess	$ 3,933	2.47	%	$10,936		6.88	%	$10,926		6.88	%	$10,908		6.87	%	$10,892		6.86	%

Reconciliation of capital infused into Sound Community Bank:
Net proceeds infused				$ 7,953				$ 8,112				$ 8,261				$ 8,438
Less common stock acquired by employee stock ownership plan				(966	)			(1,137	)			(1,307	)			(1,503	)
Pro forma increase in GAAP and regulatory capital				$ 6,987				$ 6,975				$ 6,954				$ 6,935


(1)	As adjusted to give effect to an increase in the number of shares that could occur due to an increase in the offering range of up to 15% as a result of regulatory considerations or changes in market or general financial and economic conditions following the commencement of the offering.
(2)	Core capital levels are shown as a percentage of total adjusted assets. The risk-based capital level is shown as a percentage of risk-weighted assets.
(3)	GAAP capital includes a $5,000 unrealized gain on available-for-sale securities, net of taxes.
(4)	The current OTS core capital requirement for savings banks is 3% of total adjusted assets for thrifts that receive the highest supervisory rating for safety and soundness and 4% to 5% for all other thrifts. Our required level is 4%. The core capital requirement for a well-capitalized institution is 5%. See "How We Are Regulated - Regulatory Capital Requirements."
(5)	Assumes net proceeds are invested in assets that carry a 20% risk-weighting.
(6)	The difference between core capital and regulatory risk-based capital is attributable to $651,000 for the allowance for loan losses.
(7)	The Tier 1 risk-based capital requirement for a well-capitalized institution is 6% of risk-weighted assets. See "How We Are Regulated - Regulatory Capital Requirements."
(8)	The current OTS risk-based capital requirement for savings banks is 8% of risk-weighted assets. The level for a well-capitalized institution is 10%.

	(1)	Sound Community Bank will organize an interim stock savings bank as a wholly owned subsidiary ("Sound Interim One");
	(2)	Sound Interim One will organize an interim stock savings bank as a wholly owned subsidiary ("Sound Interim Two");
	(3)	Sound Interim One will organize Sound Financial as a wholly owned subsidiary;
	(4)	Sound Community Bank will convert to a federal stock savings bank by exchanging its charter for a federal stock savings bank charter to become Sound Community Bank and Sound Interim One will become a federal mutual holding company by exchanging its

		charter for a federal mutual holding company charter to become Sound Community MHC;
	(5)	simultaneously with step (4), Sound Interim Two will merge with and into Sound Community Bank, with Sound Community Bank as the resulting institution;
	(6)	all of the initially issued stock of Sound Community Bank will be transferred to Sound Community MHC in exchange for mutual membership interests in Sound Community MHC;
	(7)	Sound Community MHC will contribute the capital stock of Sound Community Bank to Sound Financial, and Sound Community Bank will become a wholly owned subsidiary of Sound Financial; and
	(8)	contemporaneously with the reorganization, Sound Financial will offer for sale in the offering shares of common stock based on the pro forma market value of Sound Financial and Sound Community Bank.

	Non-Fully Converted Price to Earnings Multiple	Non-Fully Converted Price to Book Value Ratio

Sound Financial
Maximum, as adjusted	45.57x	129.20%
Maximum	40.38x	120.05%
Minimum	31.50x	100.75%

Valuation of peer group companies as of August 31, 2007⁽¹⁾
Averages	25.97x	145.72%
Medians	23.51x	131.25%
____________________________________
(1) Reflects earnings and equity as of or for the most recent 12-month period.

		Appreciation from Initial Offering Price
Issuer (Market/Symbol)	IPO Date		After One Day (%)		After One Week (%)		After One Month (%)		Through 8/31/07 (%)
FSB Cmty Bankshares, Inc. (OTCBB: FSBC)	8/15/07		0.0		0.0		(12.5)		(12.5)
Beneficial Mutual Bancorp (NASDAQ: BNCL)	7/16/07		(7.9	)	(6.2	)	(13.0	)	(5.2	)
Hometown Bancorp, Inc. (OTCBB: HTWC)	6/29/07		0.0		0.0		(12.5	)	(17.5	)
TFS Financial Corp. (NASDAQ: TFSL)	4/23/07		17.9		17.2		23.3		16.0
Sugar Creek Financial (OTCBB: SUGR)	4/4/07		0.0		5.0		6.0		(9.0	)
Delanco Bancorp, Inc. (OTCBB: DLNO)	4/2/07		0.0		0.0		(5.0	)	(6.3	)
Oritani Financial Corp. (NASDAQ: ORIT)	1/24/07		59.7		53.5		55.0		51.2
Polonia Bancorp (OTCBB: PBCP)	1/16/07		1.0		0.1		0.6		(4.0	)
MSB Financial Corp. (NASDAQ: MSBF)	1/5/07		23.0		21.0		19.3		2.1
Mainstreet Financial Corp. (OTCBB: MSFN)	12/27/06		10.0		10.0		(2.5	)	(7.5	)
Ben Franklin Financial, Inc. (OTCBB: BFFI)	10/19/06		7.0		5.7		6.5		(4.0	)
ViewPoint Financial Group (NASDAQ: VPFG)	10/3/06		49.9		50.7		54.5		71.7
Fox Chase Bancorp, Inc. (NASDAQ: FXCB)	10/2/06		29.5		28.1		31.4		23.8

All Transactions
Average			14.6		14.2		11.6		7.6
Median			7.0		5.7		6.0		(4.0	)

NASDAQ Traded Companies
Average			28.7		27.4		28.1		26.6
Median			26.3		24.6		26.4		19.9

OTCBB Traded Companies
Average			2.6		3.0		(1.6	)	(8.7	)
Median			0.0		0.1		(2.5	)	(7.5	)

	(1)	$200,000 or 20,000 shares of common stock;
	(2)	one-tenth of one percent of the total offering of shares of common stock; or
	(3)	15 times the product (rounded down to the next whole number) obtained by multiplying the total number of shares of common stock to be issued by a fraction, of which the numerator is the amount of the qualifying deposit of the Eligible Account Holder and the denominator is the total amount of qualifying deposits of all Eligible Account Holders in Sound Community Bank in each case as of the close of business on June 30, 2006 (the "Eligibility Record Date"), subject to the overall purchase limitations.

	(1)	No fewer than 25 shares of common stock may be purchased, to the extent shares are available;
	(2)	Each Eligible Account Holder may subscribe for and purchase in the subscription offering up to the greater of: $200,000 or 20,000 shares of common stock; one-tenth of one percent of the total offering of shares of common stock; or 15 times the product (rounded down to the next whole number) obtained by multiplying the total number of shares of common stock to be issued by a fraction, of which the numerator is the amount of the qualifying deposit of the Eligible Account Holder and the denominator is the total amount of qualifying deposits of all Eligible Account Holders in Sound Community Bank in each case as of the close of business on the Eligibility Record Date, subject to the overall limitation in clause (7) below;
	(3)	The Tax-Qualified Employee Plans, including an employee stock ownership plan, may purchase in the aggregate up to 10% of the shares of common stock issued in the offering, and including any additional shares issued in the event of an increase in the estimated offering range;
	(4)	Each Supplemental Eligible Account Holder may subscribe for and purchase in the subscription offering up to the greater of: $200,000 or 20,000 shares of common stock; one-tenth of one percent of the total offering of shares of common stock; or 15 times the product (rounded down to the next whole number) obtained by multiplying the total number of shares of common stock to be issued by a fraction, of which the numerator is the amount of the qualifying deposit of the Supplemental Eligible Account Holder and the denominator is the total amount of qualifying deposits of all Supplemental Eligible Account Holders in Sound Community Bank in each case as of the close of business on the Supplemental Eligibility Record Date, subject to the overall limitation in clause (7) below;
	(5)	Each Other Member may subscribe for and purchase in the subscription offering up to the greater of $200,000 or 20,000 shares of common stock or one-tenth of one percent of the total offering of shares of common stock, subject to overall limits in clause (7) below;
	(6)	Persons purchasing shares of common stock in the direct community offering or public offering may purchase up to $200,000 or 20,000 shares of common stock in each of the direct community offering or public offering, subject to the overall limitation in clause (7) below;