0001047469-06-011691 Sample Contracts

EL BANCO FINANCIAL CORPORATION AGENCY AGREEMENT
Agency Agreement • September 8th, 2006 • El Banco Financial Corp • Functions related to depository banking, nec • Georgia

El Banco Financial Corporation, a Georgia corporation (the "Company"), proposes, subject to the terms and conditions stated herein, to engage the sales agent identified on the signature page to this Agreement (the "Agent" or "you") to assist the Company on a "best efforts" basis in the sale of the Company's common stock, $.01 par value per share (the "Shares").

ESCROW AGREEMENT
Escrow Agreement • September 8th, 2006 • El Banco Financial Corp • Functions related to depository banking, nec • Georgia

This ESCROW AGREEMENT ("Agreement"), made and entered into as of , 2006, by and among EL BANCO FINANCIAL CORPORATION, a Georgia corporation ("EBFC"), FLAG BANK, a Georgia banking corporation (the "Escrow Agent"), and the undersigned sales agents (the "Sales Agents").