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Exhibit 99
NATIONAL CONSUMER COOPERATIVE BANK
EXECUTIVE LONG-TERM INCENTIVE PLAN
AWARD AGREEMENT
FOR THE MEASUREMENT PERIOD 1/1/2001 TO 12/31/2003
TO: CHARLES E. SNYDER, PRESIDENT AND CEO
The National Consumer Cooperative Bank (the "Bank") has granted you the right to
earn a performance-based cash award (the "Award") under the Bank's Long-Term
Incentive Plan. Your Award will depend upon the Bank's performance for the
period January 1, 2001 through December 31, 2003 (the "Measurement Period").
The amount of your Award will be a percentage of your aggregate base salary
during the Measurement Period. The percentage amount will vary depending upon
(1) the level of performance achieved for each Performance Goal during the
Measurement Period and (2) the weight assigned to each Performance Goal.
No Award payment will be earned with respect to a Performance Goal if the
Threshold Level of performance is not achieved, and in no event may the
percentage of base salary taken into account with respect to any Performance
Goal exceed the Superior percentage shown below plus the adjustment, if any. If
the performance level with respect to a Performance Goal achieved falls between
any two of the levels shown in the following table, the Award payment will be
adjusted proportionately.
You must remain employed by the Bank until the end of the Measurement Period in
order to receive an Award Payment, unless your employment is terminated during
the Measurement Period on account of death, Disability, Retirement or a Change
in Control, in which case the amount of the Award payment that you may receive
is governed by the terms of the Plan.
Pursuant to Section 6.1 of the Plan, you may elect to defer all or a portion of
your Award payment in increments of 25 percent up to a maximum of 100 percent.
Such deferrals will be credited to a Deferred Compensation Account maintained
under the Bank's Deferred Compensation Plan. An election to defer payment of
your Award must be made in writing before January 1, 2003.
This Award is subject in all respects to the applicable provisions of the Plan,
a copy of the current form of which is attached. Capitalized terms not defined
herein have the same meaning as in the Plan. By signing this Award Agreement,
you acknowledge receiving a copy of the Plan.
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National Consumer Cooperative Bank
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The Performance Goals for the Measurement Period, and the weight assigned to
each goal, are as follows:
PERFORMANCE GOALS 2001
<Table>
<Caption>
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PERFORMANCE MEASURE WEIGHT THRESHOLD TARGET SUPERIOR
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Funding: Deposits, 35% Goal 35% (average in 2003) 40% (average in 50% (average in 2003)
STAR, FHLB to Total 2003)
Debt (ex. Class A -------------------------------------------------------------------------------------
Notes)
Award 7% of Salary 14% of Salary 22.75% of Salary
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Financial Strength 40% Goal 1.2% Average ROA 1.3% Average ROA 1.4% Average ROA
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Award 8% of Salary 16% of Salary 26% of Salary
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Value to Customers: 25% Goal 20% of '03 Revenues 30% of '03 40% of '03 Revenues
Revenue from New from New Products Revenues from New from New Products
Customers and New since `00 Products since `00 since `00
Products -------------------------------------------------------------------------------------
Award 5% of Salary 11% of Salary 16.25% of Salary
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Total 100% 20% of Salary 40% of Salary 60% of Salary
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Adjustment for Low -15% of Total Award No Adjustment +25% of Total Award
Income Market
Development
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</Table>
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National Consumer Cooperative Bank
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PERFORMANCE GOALS 2002
<Table>
<Caption>
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PERFORMANCE MEASURE WEIGHT THRESHOLD TARGET SUPERIOR
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Funding: Deposits, 35% Goal 35% (average in 2003) 40% (average in 50% (average in 2003)
STAR, FHLB to Total 2003)
Debt (ex. Class A -------------------------------------------------------------------------------------
Notes) Award 7% of Salary 17.5% of Salary 22.75% of Salary
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Financial Strength 40% Goal 1.2% Average ROA 1.3% Average ROA 1.4% Average ROA
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Award 8% of Salary 20% of Salary 26% of Salary
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Value to Customers: 25% Goal 20% of '03 Revenues 30% of '03 40% of '03 Revenues
Revenue from New from New Products Revenues from New from New Products
Customers and New since `00 Products since `00 since `00
Products -------------------------------------------------------------------------------------
Award 5% of Salary 12.5% of Salary 16.25% of Salary
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Total 100% 20% of Salary 50% of Salary 65% of Salary
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Adjustment for Low -15% of Total Award No Adjustment +25% of Total Award
Income Market
Development
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NATIONAL CONSUMER COOPERATIVE BANK
By: ___________________________________
Kirby J. Erickson, Chair of the Board of Directors
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National Consumer Cooperative Bank
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ACKNOWLEDGMENT
I acknowledge receipt of a copy of the attached Plan. I represent that
I have read and am familiar with the Plan's terms. I accept the terms and
provisions of this Award Agreement and of the Plan as the Plan may be amended in
accordance with its terms. I agree to accept as binding, conclusive, and final
all decisions or interpretations of the Compensation Committee concerning any
questions arising under the Plan or this Award Agreement with respect to the
Award.
/ /
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Signature of Employee
/ / / /
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WITNESS DATE HUMAN RESOURCES APPROVAL SIGNATURE DATE
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National Consumer Cooperative Bank
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