The Executive’s annual base salary shall be $135,000.  The Executive’s base salary shall be reviewed annually and adjusted at the discretion of the Bank’s Board of Directors.  The base salary in effect at any given time is referred to herein as “Base Salary;” provided, however, that if the Executive’s employment is terminated for Good Reason pursuant to clause (ii) of Section 3(e) due to a material diminution in the Executive’s Base Salary, the term “Base Salary” for purposes of calculating the Executive’s Severance Amount (or Change in Control Severance Amount, as the case may be) under Section 4(b) shall be the Executive’s Base Salary as in effect immediately prior to the material diminution.  The Base Salary shall be payable in a manner that is consistent with the Bank’s usual payroll practices for senior executives.