If within the period ending  twelve (12) months after a Change in Control, (i) the Company and the Bank shall terminate Executive’s employment Without  Cause, or (ii) Executive voluntarily terminates his employment With Good Reason (as defined in Section 11f.(iii) of this Agreement), the Company or the Bank shall, within five (5) business days of the termination of Executive’s employment, make a lump-sum cash payment to him equal to the sum of three (3) times Executive’s: (i) then current base salary and (ii) the average of the bonus paid by the Company and/or the Bank to the Executive for the three (3) years preceding his termination of employment. In addition to the lump sum cash payment, the Bank shall continue or cause to be continued for a thirty-six (36) month period following his termination of employment, medical, dental and life insurance coverage substantially identical to the coverage maintained for the Executive before his termination of employment and in accordance with the same schedule prevailing as of his termination date. If: (i) under the terms of the applicable policy or policies for the insurance benefits specified in this paragraph b. it is not possible to continue the Executive’s coverage, or (ii) if when employment termination occurs the Executive  is a Specified Employee within the meaning of Section 409A of the Code, if any of the continued insurance coverage benefits specified in this paragraph b. would be considered deferred compensation under Section 409A of the Code, and finally if an exemption from the six-month delay requirement of Section 409A(a)(2)(B)(i) of the Code is not available for that particular insurance benefit, instead of continued insurance coverage under this paragraph b. the Bank shall pay or cause to be paid to the Executive in a single lump sum an amount in cash equal to the present value of the Bank’s projected cost to maintain that particular insurance benefit had the Executive’s employment not terminated, assuming continued coverage for thirty-six (36) months. The lump-sum payment shall be made within five (5) business days after employment termination or, if the Executive is a specified employee within the meaning of Section 409A of the Code and an exemption from the six-month delay requirement of Section 409A(a)(2)(B)(i) of the Code is not available, on the first business day of the seventh month after the month in which the Executive’s employment terminates.