Exhibit 10.4

DIRECTOR SUPPLEMENTAL COMPENSATION AGREEMENT

THIS AGREEMENT is made and entered into effective as
of December 31, 2004 by and between FAR WEST BANK, a bank organized and existing under the laws of the state of Utah, (hereinafter Bank or Employer) and Ivan T. Call, a Director of the Bank (hereinafter
Director).

RECITALS

WHEREAS, the Director is a member of the Boards of Directors of the Bank (hereinafter the Board); and

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

WHEREAS, the Director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 Bank to provide the Director with certain fringe benefits, on the terms and conditions set forth
herein, in order to reasonably retain the Director; and

WHEREAS, the Director and the Bank wish to specify in writing the terms and
conditions upon which this additional compensatory incentive will be provided to the Director, or as applicable, to the Directors spouse or designated beneficiaries, as the case may be;

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



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

AGREEMENT

1.0 Terms and Definitions.

1.1 Effective Date. The term Effective Date shall mean the date identified as such in the opening paragraph of this Agreement.

1.2 The Code. The Code shall mean the Internal Revenue Code of 1986, as amended (the Code).

1.3 ERISA. The term ERISA shall mean the Employee Retirement Income Security Act of 1974, as amended.

1.4 Director Benefit. The term Director Benefit shall mean the annual benefit amounts determined pursuant to the terms of this Agreement, forfeited, reduced or adjusted to the extent:
(a) required under the other provisions of this Agreement; (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).

1.5 Accrued Liability Balance. For the purposes of this Agreement, the term Accrued Liability Balance shall mean the amount that has been accrued by the Bank on its financial statements to
fund the retirement benefits expense of the Director as of the end of the month preceding Directors termination of employment.

The
Bank shall account for this benefit using the regulatory accounting principles of the Banks primary Federal Regulator. The Bank shall establish an accrued liability retirement account for the Director into which appropriate reserves shall be
accrued.

1.6 Normal Retirement/Normal Retirement Age. The term Normal Retirement or Normal Retirement
Age shall refer to a date on or after the Director attains age Seventy-Two (72), and a date on which the Director terminates service as a Director for any reason other than Termination for Cause (as defined herein).

1.7 Disability/Disabled. For the purpose of this Agreement, Director will be considered disabled if:



| | (A) | He is unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or can be
expected to last for a continuous period of not less than twelve (12) months, or
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| | (B) | He is, by reason of any medically determinable physical or mental impairment which can be expected to result in death or can be expected to last for a
| | --- | ------------------------------------------------------------------------------------------------------------------------------------------------------



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| | continuous period of not less than twelve (12) months, receiving income replacement benefits for a period of not less than three (3) months under
an accident and health plan covering employees of Directors employer.
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

1.8 Termination for Cause. The
term Termination for Cause shall mean termination of Employment of the Director by reason of any of the following: (i) gross negligence or gross neglect; or (ii) the Director is convicted 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); (iv) an intentional failure to perform stated duties; or (v) a breach of
fiduciary duty involving personal profit.

1.9 Voluntary Termination. The term Voluntary Termination shall mean
voluntary resignation of his position as a Director prior to Normal Retirement Age.

1.10 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 the corporation or more than fifty percent (50%) of the voting power of the Employers
stock by a person or group;
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| | (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
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| | (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.

1.11 Employment.For the purposes of this Agreement, the term Employment shall refer to the Directors service as a
Director of the Banks Board of Directors.



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2.0 Scope, Purpose and Effect.

2.1 Continuation as Director.Although this Agreement is intended to provide the Director with additional incentive to remain a member of
the Board of Directors of the Bank, neither this Agreement nor the payment of any benefits hereunder shall be construed as giving the Director the right to be retained as a member of the Board of Directors of the Bank.

3.0 Payments Upon retirement.

3.1
Payments Upon Normal Retirement.In the event the Director elects to retire from service on the Board on a date which constitutes Normal Retirement as defined in Paragraph 1.6 above, then Director shall be entitled to be paid an amount
equal to One Thousand, Six Hundred and Sixty-Six Dollars and Sixty-Seven Cents($1,666.67) per month for a period of Sixty (60) months. Such payments shall be made on the first day of each month, commencing the month following the month in
which the Director retires and continuing thereafter for a period of Sixty (60) months. In the event the Director dies before receiving any or all of such payments due, then Directors designated beneficiary(ies) shall be entitled to the
payments (or the remaining payments) Director would have received had he survived.

4.0 Payments in the Event of Disability or Death.

4.1 Disability.In the event the Director becomes Disabled while serving as a Director of the Bank at any time after the
Effective Date of this Agreement but prior to Normal Retirement, then Director shall be entitled to be paid the same benefits he would have been entitled to under paragraph 3.1 applicable to Payments Upon Normal Retirement. Payments
shall be made on the first day of each month, commencing the month following the month in which the Director becomes Disabled and continuing for a period of Sixty (60) months. In the event the Director dies before receiving any or all of such
payments due, then Directors designated beneficiary(ies) shall be entitled to the payments (or the remaining payments) Director would have received had he survived.

4.2 Death.In the event the Director dies while serving as a Director of the Bank at any time after the Effective Date of this Agreement but prior to Normal Retirement, then Directors
beneficiary(ies) shall be entitled to be paid the same benefits he would have been entitled to under paragraph 3.1 applicable to Payments Upon Normal Retirement. Payments shall be made on the first day of each month, commencing the month
following the month in which the Bank receives formal written notice of Directors death, and shall continue for a period of Sixty (60) months.

5.0 Payments in the Event Director Terminates Employment Prior to Normal Retirement, or as Otherwise Described.In the event that Directors Employment terminates, other than by reason of Normal Retirement, Disability or
death, then, for the following events of termination, as applicable, the Director shall be entitled to the benefits described below which correspond to the circumstances surrounding the Directors termination.



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5.1 Termination Without Cause.In the event the Directors Employment as a Director is
Terminated by the Bank at any time after the Effective Date of this Agreement but prior to the Normal Retirement Age, and such termination is not a For Cause Termination, then Director shall be entitled to be paid the Accrued Liability Balance.
Payments shall be made in Sixty (60) substantially equal monthly installments on the first day of each month, commencing with the month after the month in which the Director is terminated. In the event the Director dies before receiving any or
all of such payments due, then Directors designated beneficiary(ies) shall be entitled to the payments (or the remaining payments) Director would have received had he survived.

5.2 Voluntary Termination by the Director. In the event the Director Voluntarily Terminates his position as a Director at any time after
the Effective Date of this Agreement but prior to the Normal Retirement Age, then Director shall be entitled to be paid the Accrued Liability Balance. Payments shall be made in Sixty (60) substantially equal monthly installments on the first
day of each month, commencing with the month after the month in which the Director terminates. In the event the Director dies before receiving any or all of such payments due, then Directors designated beneficiary(ies) shall be entitled to the
payments (or the remaining payments) Director would have received had he survived.

5.3 Removal for Cause. The Director
agrees that if he is removed from the Banks Board of Directors and such removal is For Cause, as defined in Paragraph 1.8 of this Agreement, he shall forfeit any and all rights and benefits he 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 pursuant to the terms of this Agreement. In addition, in the event Director is removed For Cause, Directors beneficiary(ies) shall no longer have any right to be
paid any monies to which they may have otherwise have been entitled pursuant to the terms of this Agreement.

5.4 Termination
Following a Change in Control. In the event the Directors Employment with the Employer is terminated Following a Change in Control (as defined in Paragraph 1.10 above) then the Director shall be entitled to be paid the Accrued
Liability Balance. Payments shall be made in Sixty (60) substantially equal monthly installments on the first day of each month, commencing with the month after the month in which the Director is terminated. In the event the Director dies
before receiving any or all of such payments due, then Directors designated beneficiary(ies) shall be entitled to the payments (or the remaining payments) Director would have received had he survived.

6.0 IRS Section 280G Issues. If all or any portion of the amounts payable to the Director under this Agreement, either alone or together with other
payments which the Director has the right to receive from the Employer, constitute excess parachute payments within the meaning of Section 280G of the Internal Revenue Code of 1986, as amended (the Code), that are
subject to the excise tax imposed by Section 4999 of the Code (or similar tax and/or assessment), Director shall be responsible for the payment of such excise tax and Employer (and its successor) shall be responsible for any loss of
deductibility related thereto.



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7.0 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 Director, 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 Director 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 Director 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.

8.0 Administrative and Claims Provision.

8.1 Named Fiduciary and Plan Administrator. The Named Fiduciary and Plan Administrator of this Director Plan
shall be Far West Bank. As Named Fiduciary and Plan Administrator, Far West Bank shall be responsible for the management, control and administration of the Director Plan. The Named Fiduciary may delegate to others certain aspects of the management
and operation responsibilities of the Director Plan, including employment of advisors and the delegation of ministerial duties to qualified individuals.

8.2 Claims Procedure. In the event a dispute arises over the benefits under this Director Plan and benefits are not paid to the Director (or to the Directors beneficiary[ies] in the case of
Director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 forty-five (45) 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 forty-five (45) days of receipt of such claim the specific reasons for such
denial, reference to the provision of the Director Plan 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 further review of the claim denial is desired. Any decision by the Employer denying a claim by the Director for benefits under this Agreement shall be stated in writing and delivered or mailed, via registered or certified mail, to the
Director, the Directors spouse or the Directors beneficiaries, as the case may be. Furthermore, a claim shall be deemed denied if the Named Fiduciary and Plan Administrator fail to take any action within the aforesaid forty-five
(45) day period.

If claimants desire a second review, they shall notify the Named Fiduciary and Plan Administrator in writing within
forty-five (45) days of the first claim denial. Claimants may review this Director Plan or any documents relating thereto and submit any written issues and



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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 forty-five (45) 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 Plan Agreement upon which the decision is
based.

8.3 Arbitration of Disputes. All claims, disputes and other matters in question arising out of or relating to this
Agreement or the breach or interpretation thereof, other than those matters which are to be determined by the Employer in its sole and absolute discretion, shall be resolved by binding arbitration before a representative member, selected by the
mutual agreement of the parties, of the Judicial Arbitration and Mediation Services, Inc. (JAMS), located in San Francisco, California. In the event JAMS is unable or unwilling to conduct the arbitration provided for under the terms of
this paragraph, or has discontinued its business, the parties agree that a representative member, selected by the mutual agreement of the parties of the American Arbitration Association (AAA) located in San Francisco, California, shall
conduct the binding arbitration referred to in this paragraph. Notice of the demand for arbitration shall be filed in writing with the other party to this Agreement and with JAMS (or AAA, if necessary). In no event shall the demand for arbitration
be made after the date when institution of legal or equitable proceedings based on such claim, dispute or other matter in question would be barred by the applicable statute of limitations. The arbitration shall be subject to such rules of procedure
used or established by JAMS, or if there are none, the rules of procedure used or established by AAA. Any award rendered by JAMS or AAA shall be final and binding upon the parties, and as applicable, their respective heirs, beneficiaries, legal
representatives, agents, successors and assigns, and may be entered in any court having jurisdiction thereof. The obligation of the parties to arbitrate pursuant to this clause shall be specifically enforceable in accordance with, and shall be
conducted consistently with, the provisions of Utah Law and Civil Procedure. Any arbitration hereunder shall be conducted in Provo, Utah, unless otherwise agreed to by the parties.

8.4 Attorneys Fees. In the event of any arbitration or litigation concerning any controversy, claim or dispute between the parties
hereto, arising out of or relating to this Agreement or the breach hereof, or the interpretation hereof, (a) each party shall pay his own attorneys arbitration fees incurred (pursuant to paragraph 8.3); (b) the prevailing party shall
be entitled to recover from the other party reasonable expenses, attorneys fees and costs incurred in the enforcement or collection of any judgment or award rendered. The prevailing party means any party (one party or both parties,
as the case may be) determined by the arbitrator(s) or court to be entitled to money payments from the other, not necessarily the party in whose favor a judgment is rendered.

9.0 Status as an Unsecured General Creditor and Rabbi Trust. Notwithstanding anything contained herein to the contrary: (i) the Director 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



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Agreement; (ii) none of the Employers assets shall be held in or under any trust for the benefit of the Director 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 Director 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 Director acknowledge and agree that,
in the event of a Change in Control, upon request of the Director, or in the Employers discretion if the Director 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 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 Director in such manner and at such times as specified in this Agreement.

10.0 Miscellaneous.

10.1 Opportunity To Consult With Independent Advisors. The Director acknowledges that he has been afforded the opportunity to consult with
independent advisors of his choosing including, without limitation, accountants or tax advisors and counsel regarding both the benefits granted to him under the terms of this Agreement and the (i) terms and conditions which may affect the
Director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 Director acknowledges and agrees shall be the sole responsibility of the Director notwithstanding any other term or provision of this Agreement. The Director 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 Director and further specifically waives any right for himself
or herself, and his 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 10.1. The Director further
acknowledges that he has read, understands and consents to all of the terms and conditions of this Agreement, and that he enters into this Agreement with a full understanding of its terms and conditions.

10.2 Notice. Any notice required or permitted of either the Director 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,



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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: |  | Far West Bank           
|                    |  | 201 E. Center Street    
|                    |  | Provo, Utah 84606-3166  
|                    |  | Attention: H. Don Norton
|                    | 
|If to the Director: |  | ________________________
|                    |  | ________________________
|                    |  | ________________________

10.3 Alienability And Assignment Prohibition. Neither the Director, nor the
Directors surviving spouse, nor any other beneficiary(ies) under this Director Plan 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 seizure by any creditor of the Director, 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 Director or his beneficiary(ies); or (ii) transferable by operation of law in the event of bankruptcy, insolvency or otherwise. In the event the Director or
any beneficiary attempts assignment, commutation, hypothecation, transfer or disposal of the benefits hereunder, any such attempted assignment or transfer shall be void.

10.4 Binding Effect/Merger or Reorganization. This Agreement shall be binding upon and inure to the benefit of the Director and the Bank. Accordingly, the Bank 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 Director Agreement. This Director Agreement shall be binding upon the parties hereto, their successors, beneficiaries, heirs and personal representatives.

10.5Nonwaiver.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.

10.6Partial 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.



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10.7 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.

10.8 Amendment or Revocation. Subject to Paragraph 11.0, it is agreed
by and between the parties hereto that, during the lifetime of the Director, this Director Agreement may be amended or revoked at any time or times, in whole or in part, by the mutual written consent of the Director and the Bank.

10.9 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.

10.10 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.

10.11 Governing Law. The laws of the State of Utah, 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, or any other regulatory agency or governmental authority having jurisdiction over the
Employer, shall govern the validity, interpretation, construction and effect of this Agreement.

10.12 Terms. Whenever any
words are used herein in the masculine, they shall be construed as though they were used in the feminine in all cases where they would so apply; and wherever any words are used herein in the singular or in the plural, they shall be construed as
though they were used in the plural or singular, as the case may be, in all cases where they would so apply.

10.13 Effect on Other
Bank Benefit Plans. Nothing contained in this Director plan Agreement shall affect the right of the Director 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.



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11.0 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, 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 this
Director Plan, then the Bank reserves the right to terminate or modify this Agreement accordingly.

IN WITNESS WHEREOF, the Employer and the Director have
executed this Agreement on the date first above-written in the City of Provo, Utah.



|              |  |                          |  |  |  |       |  |        
|------------- |  | ------------------------ |  |  |  | ----- |  | -------
|FAR WEST BANK |  |                          |  | 
|              |  |                          |  | 
|By            |  | /s/ H. Don Norton        |  |  |  | Date: |  | 7/17/06
|Title         |  | Pres/CEO - Vice Chairman |  |  |  |       |  |        



|                        |  |                  |  |                         |  |       |  |              
|----------------------- |  | ---------------- |  | ----------------------- |  | ----- |  | -------------
|DIRECTOR                |  |                  |  |                        
|                        |  |                  |  |                        
|By                      |  | /s/ Ivan T. Call |  |                         |  | Date: |  | July 17, 2006
|                        |  |                 
|/s/ Michael M. Anderson |  |                  |  | /s/ Michael M. Anderson
|Witness                 |  |                  |  | Witness                



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