----

| 1.1   | “Accrual      Balance” means the liability that should be accrued by the Bank,      under Generally Accepted Accounting Principles (“GAAP”), for the Bank’s      obligation to the Executive under this Agreement, by applying Accounting      Principles Board Opinion Number 12 (“APB 12”) as amended by Statement of      Financial Accounting Standards Number 106 (“FAS 106”) and the Discount      Rate.  Any one of a variety of amortization methods may be used      to determine the Accrual Balance.  However, once chosen, the      method must be consistentlyapplied. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.2   | “Beneficiary”      means each designated person or entity, or the estate of the deceased      Executive, entitled to any benefits upon the death of the Executive      pursuant to Article 4. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.3   | “Beneficiary      Designation Form” means the form established from time to time by      the Plan Administrator that the Executive completes, signs and returns to      the Plan Administrator to designate one or more    Beneficiaries. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.4   | “Board” means      the Board of Directors of the Company as from time to time      constituted. |
|-----------------|-------------------------------------------------------------------------------------------------------------|

| 1.5   | “Change in      Control” means |
|-----------------|--------------------------------------------|

| (i)   | Any      “person,” as such term is used in Sections 13(d) and 14(d) of the      Securities Exchange Act of 1934, as amended (the “Exchange Act”) (other      than the Company or any person (as hereinafter defined) acting on behalf      of the Company as underwrite pursuant to an offering who is temporarily      holding securities in connection with such offering, any trustee or other      fiduciary holding securities under an employee benefit plan of the      Company, or any corporation owned, directly or indirectly, by the      stockholders of the Company in substantially the same proportions as their      ownership of stock of the Company), is or becomes the “beneficiary owner”      (as defined in Rule 13d-3 under the Exchange Act), directly or indirectly,      of securities of the Company representing 25% or more of the combined      voting power of the Company’s then outstanding  securities; |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (ii)   | Individuals      who were members of the Board on the Commencement Date (the “Incumbent      Board”) cease for any reason to constitute at least a majority thereof,      provided that any      person becoming a director subsequent to the Commencement Date whose      election was approved by a vote of at least three-quarters of the      directors comprising the Incumbent Board or whose nomination for election      by the Company’s stockholders was approved by the nominating committee      serving under an Incumbent Board or who as appointed as a result of a      change at the direction of the OTS or the FDIC, shall be considered a      member of the Incumbent Board; |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (iii)   | The      stockholders of the Company approve a merger or consolidation of the      Company with any other corporation, other than (1) a merger or      consolidation which would result in the voting securities of the Company      outstanding immediately prior thereto continuing to represent (either by      remaining outstanding or by being converted into voting securities of the      surviving entity) more than 50% of the combined voting power of the voting      securities of the Company or such surviving entity outstanding immediately      after such merger or consolidation or (2) a merger or consolidation      effected to implement a recapitalization of the Company (or similar      transaction) in which no person (as hereinabove defined) acquires more      than 25% of the combined voting power of the Company’s then outstanding      securities; or |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (iv)   | The      stockholders of the Company approve a plan of complete liquidation of the      Company or an agreement for the sale or disposition by the Company of all      or substantially all of the Company’s assets (or any transaction having a      similar effect); provided that the term      “Change in Control” shall not include an acquisition of securities by an      employee benefit plan of the Bank or the  Company  |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|    | or      a change in the composition of the Board at the direction of the OTS or      the FDIC. |
|--------------|------------------------------------------------------------------------------------------------|

| 1.6   | “Code” means the      Internal Revenue Code of 1986, asamended. |
|-----------------|-----------------------------------------------------------------------------|

| 1.7   | “Commencement      Date” means the date the conversion of the Bank from the mutual to      stock form of organization iscompleted. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.8   | “Company” means      Home Federal Bancorp, Inc., a Federal corporation.  Upon the      effective time of the Conversion (as previously defined), the Company      shall mean Home Federal Bancorp, Inc, a Maryland    corporation. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.9   | “Deferral      Account” means the Bank’s accounting of the Deferrals, plus accrued      interest. |
|-----------------|---------------------------------------------------------------------------------------------------------------------|

| 1.10   | “Deferrals”      means the amount treated as Deferrals under the Prior      Agreement. |
|------------------|----------------------------------------------------------------------------------------------------|

| 1.11   | “Disability”      means the Executive’s suffering a sickness, accident or injury which has      been determined by the insurance carrier of any individual or group      disability insurance policy covering the Executive, or by the Social      Security Administration, to be a disability rendering the Executive      totally and permanently disabled.  The Executive must submit      proof to the Plan Administrator of the insurance carrier’s or Social      Security Administration’s determination upon the request of the Plan      Administrator. |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.12   | “Discount Rate”      means the rate used by the Plan Administrator for determining the Accrual      Balance.  The Discount Rate is seven and one-half percent      (7.5%). |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.13   | “Early      Retirement” means the Termination of Employment before Normal      Retirement Age for reasons other than death, Disability, Termination for      Cause, or Involuntary Termination. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.14   | “Early Retirement      Date” means the month, day and year in which Early Retirement      occurs. |
|------------------|---------------------------------------------------------------------------------------------------------------|

| 1.15   | “Effective Date”      means December 1, 2006. |
|------------------|-----------------------------------------------------------|

| 1.16   | “Final Salary”      means the average of the Executive’s final thirty-six (36) months of base      salary. |
|------------------|------------------------------------------------------------------------------------------------------------------------------|

----

| 1.17   | “Involuntary      Termination” means the Executive has been notified in writing by      the Bank of a Termination of Employment before Normal Retirement Age for      reasons other than due to death, Disability, Early Retirement or      Termination for Cause. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.18   | “Normal Retirement      Age” means the Executive’s sixty-fifth (65th)      birthday. |
|------------------|--------------------------------------------------------------------------------------------------------|

| 1.19   | “Normal Retirement      Date” means the later of Normal Retirement Age or Termination of      Employment. |
|------------------|-----------------------------------------------------------------------------------------------------------------------|

| 1.20   | “Plan      Administrator” means the Board or such committee or person as the      Board shall appoint. |
|------------------|--------------------------------------------------------------------------------------------------------------------|

| 1.21   | “Plan Year”      means each twelve (12) month period commencing on October 1st      and ending on September 30th      of each year. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.22   | “Projected      Benefit” means the annual Normal Retirement Benefit the Executive      would have received under Section 2.1.1 if the Executive survived until      Normal Retirement Age, assuming the Executive’s base salary increased at      an annual rate of four percent (4%) from the date of death until Normal      Retirement Age. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.23   | “Specified      Employee” means a key employee (as defined in Code Section 416(i)      without regard to paragraph 5 thereof) of the Bank if any stock of the      Bank is publicly traded on an established securities market or otherwise,      as determined by the Plan Administrator based on the twelve (12) month      period ending each December 31 (the “identification      period”).  If the Executive is determined to be a Specified      Employee for an identification period, the Executive shall be treated as a      Specified Employee for purposes of this Agreement during the twelve (12)      month period that begins on the first day of the fourth month following      the close of the identificationperiod. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.24   | “Termination      for Cause “means termination of the employment of the Employee because of      the Employee's personal dishonesty, incompetence, willful misconduct,      breach of a fiduciary duty involving personal profit, intentional failure      to perform stated duties, willful violation of any law, rule, or      regulation (other than traffic violations or similar offenses) or final      cease-and-desist order, or material breach of any provision of this      Agreement. No act or failure to act by the Employee shall be considered      willful unless the Employee acted or failed to act with an absence of good      faith and without a reasonable belief that his action or failure to act      was in the best interest of the Company or the Bank. The Employee shall      not be deemed to have been Terminated for Cause unless and until there      shall have been delivered to the Employee a copy of a resolution, duly      adopted by the Board of Directors at a meeting of the Board duly called      and held for such purpose (after reasonable notice to the Employee and an      opportunity for the Employee, together with the Employee's counsel, to be      heard before the Board), stating that in the good faith opinion of the      Board of Directors the Employee has engaged in conduct described in the      preceding sentence and specifying the particulars thereof in      detail. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.25   | “Termination of      Employment” means the termination of the Executive’s employment      with the Bank (and any entity required to be affiliated with the Bank      under Section 409A) for reasons other than death.  Whether a      Termination of Employment takes place is determined in accordance with the      requirements of Section 409A (taking into account all special rules and      presumptions provided for in the regulations under Section 409A) based on      the facts and circumstances surrounding the termination of the Executive’s      employment, and whether the Executive and the Bank reasonably anticipate      that no further services will be performed by the Executive after a      certain date, or that the level of bona fide services the Executive would      provide to the Bank or an affiliate after such date (whether as an      employee or independent contractor) would permanently decrease to no more      than 20 percent of the average level of bona fide services performed      (whether as an employee or an independent contractor) over the immediately      preceding 36-month period (or the full period of services to the bank if      the Executive has been providing services to the Bank less than 36      months). |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.26   | “Vested Accrual      Balance” means the following vesting schedule applied to the      Accrual Balance: |
|------------------|---------------------------------------------------------------------------------------------------------------------|

| End      of Plan Year | Vesting      Percentage |
|-----------------------|-------------------------|
| 1                     | 10%                     |
| 2                     | 20%                     |
| 3                     | 30%                     |
| 4                     | 40%                     |
| 5                     | 50%                     |
| 6                     | 60%                     |
| 7                     | 70%                     |
| 8                     | 80%                     |
| 9                     | 90%                     |
| 10+                   | 100%                    |

| 2.1 | Normal Retirement      Benefit.  Upon the Normal Retirement Date, the Bank shall      distribute to the Executive the benefit described in this Section 2.1 in      lieu of any other benefit under thisArticle. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.1.1   | Amount of      Benefit.  The annual benefit under this Section 2.1 is      fifty percent (50%) of FinalSalary. |
|-------------------|--------------------------------------------------------------------------------------------------------------------------|

| 2.1.2   | Distribution of      Benefit.  The Bank shall pay the annual Normal Retirement      Benefit to the Executive in twelve (12) equal monthly installments      commencing with the first of the month following Termination of      Employment.  The annual |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|    | Normal      Retirement Benefit shall be paid to the Executive for a period of fifteen      (15) years. |
|--------------|--------------------------------------------------------------------------------------------------------|

| 2.2 | Early Retirement      Benefit.  If Early Retirement occurs, the Bank shall      distribute to the Executive the benefit described in this Section 2.2 in      lieu of any other benefit under thisArticle. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.2.1   | Amount of      Benefit.  The Early Retirement Benefit under this Section      2.2 is the Vested Accrual Balance as of the end of the month prior to the      Early Retirement Date. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.2.2   | Distribution of      Benefit.  The Bank shall pay the Early Retirement Benefit      to the Executive in one hundred eighty (180) equal monthly installments,      crediting interest equal to the Discount Rate compounded monthly on the      unpaid Vested Accrual Balance, commencing with the first of the month      following Normal Retirement Age. |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.3 | Disability      Benefit.  If the      Executive experiences a Disability prior to Early Retirement Age, the Bank      shall distribute to the Executive the benefit described in this Section      2.3 in lieu of any other benefit under this  Article. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.3.1   | Amount of      Benefit.  The      Disability Benefit under this Section 2.3 is one hundred percent (100%) of      the Accrual Balance as of the end of the month prior to      Disability. |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.3.2   | Distribution of      Benefit.  The Bank shall pay the Disability Benefit to      the Executive in one hundred eighty (180) equal monthly installments,      crediting interest equal to the Discount Rate compounded monthly on the      unpaid Accrual Balance, commencing with the first of the month following      Termination of Employment. |
|-------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.4 | Change in Control      Benefit.  Upon Involuntary Termination within twenty-four      (24) months following a Change in Control while the Executive is in the      active service of the Bank, the Bank shall distribute to the Executive the      benefit described in this Section 2.4 (subject to Section 2.4.3) in lieu      of any other benefit under thisArticle. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.4.1   | Amount of      Benefit.  The Change      in Control Benefit under this Section 2.4 is one hundred percent (100%) of      the Accrual Balance as of the end of the month prior to Involuntary      Termination. |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.4.2   | Distribution of      Benefit.  The Bank shall      pay the Change in Control Benefit to the Executive in one hundred eighty      (180) equal monthly installments, crediting interest equal to the Discount      Rate compounded monthly on the unpaid Accrual Balance, commencing with the      first of the month following Normal Retirement  Age. |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 2.4.3   | Excess Parachute      Payment.  Notwithstanding any other provision of this      Agreement, if payments and the value of benefits received or to be      received under this Agreement, together with any other amounts and the      value of benefits received or to be received by the Executive, would cause      any amount to be nondeductible by the Company or any of the Consolidated      Subsidiaries for federal income tax purposes pursuant to or by reason of      Section 280G of the Code, then payments and benefits under this Agreement      shall be reduced (not less than zero) to the extent necessary to as to      maximize amounts and the value of benefits to be received by the Executive      without causing any amount to become nondeductible pursuant to or by      reason of Section 280G of the Code.  For this purpose, the term      “Consolidated Subsidiaries” means any subsidiary or subsidiaries of the      Company (or its successors) that are part of the affiliated group (as      defined in Section 1054 of the Code, without regard to subsection (b)      thereof) that includes the Bank, including but not limited to the      Company. |
|-------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.5 | Restriction on      Commencement of Distributions.  Notwithstanding any provision      of this Agreement to the contrary, if the Executive is considered a      Specified Employee at Termination of Employment, the provisions of this      Section 2.5 shall govern all distributions hereunder.  Benefit      distributions that are made due to a Termination of Employment occurring      while the Executive is a Specified Employee shall not be made during the      first six (6) months following Termination of      Employment.  Rather, any distribution which would otherwise be      paid to the Executive during such period shall be accumulated and paid to      the Executive in a lump sum on the first day of the seventh month      following the Termination of Employment.  All subsequent      distributions shall be paid in the manner specified or provided for in the      Plan. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.6 | Distributions Upon      Income Inclusion Under Section 409A; Other Circumstances. If any      amount is required to be included in income by the Executive prior to      receipt due to a failure of this Agreement to meet the requirements of      Section 409A, the Executive may petition the Plan Administrator for a      distribution of that portion of the amount the Bank has accrued with      respect to the Bank’s obligations hereunder that is required to be      included in the Executive’s income.  Upon the grant of such a      petition, which grant shall not be unreasonably withheld, the Bank shall      distribute to the Executive immediately available funds in an amount equal      to the portion of the amount the Bank has accrued with respect to the      Bank’s obligations hereunder required to be included in income as a result      of the failure of this Agreement to meet the requirements of Section 409A,      within ninety (90) days.  Such a distribution shall affect and      reduce the Executive’s benefits to be paid under this      Agreement.  At the discretion of the Plan Administrator,      distribution also may be made from the Plan prior to the Executive’s      Termination of Employment for any other reason permitted under Treasury      Regulation Section 1.409A-3(j)(4) or subsequent Section 409A guidance      (including but not limited to the following: pursuant to a domestic      relations order, to comply with an ethics order, to effect a limited      cashout, |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | to      pay employment taxes, to pay state, local or foreign taxes, to offset      certain debt obligations and to resolve a bona fide dispute regarding the      Executive’s benefits under thePlan). |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  2.7 | Change in Form or      Timing of Distributions.  All changes in the form or timing of      distributions hereunder must comply with the following      requirements.  Thechanges: |
|-----------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |   |
|--------|--------|

| (a)   | must      not accelerate the time or schedule of any distribution, except as      provided in Section 409A of the Code and the regulations      thereunder; |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | must,      for benefits distributable under Section 2.2 and 2.4, be made at least      twelve (12) months prior to the first scheduled    distribution; |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | must,      for benefits distributable under Sections 2.1, 2.2, and 2.4, delay the      commencement of the distributions for a minimum of five (5) years from the      date the first distribution was originally scheduled to be made; and |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d)   | must      take effect not less than twelve (12) months after the election is      made. |
|-----------------|-----------------------------------------------------------------------------------------|

| 3.1 | Death During Active      Service.  If the Executive dies prior to Termination of      Employment, the Bank shall distribute to the Beneficiary the benefit      described in this Section 3.1.  This benefit shall be      distributed in lieu of any benefit under Article  2. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.1.1   | Amount of      Benefit.  The benefit under this Section 3.1 is Projected      Benefit. |
|-------------------|--------------------------------------------------------------------------------------------------|

| 3.1.2   | Distribution of      Benefit.  The Bank shall pay the annual benefit to the      Beneficiary in twelve (12) equal monthly installments commending with the      first of the month following the Executive’s death.  The annual      benefit shall be paid to the Beneficiary for a period of fifteen (15)      years. |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.2 | Death During      Distribution of a Benefit.  If the Executive dies after      any benefit distributions have commenced under this Agreement but before      receiving all such distributions, the Bank shall distribute to the      Beneficiary the remaining benefits at the same time and in the same      amounts they would have been distributed to the Executive had the      Executive survived. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.3 | Death After      Termination of Employment But Before Benefit Distributions      Commence. If the Executive      is entitled to benefit distributions under this Agreement but dies prior      to the commencement of said benefit distributions, the Bank shall      distribute to the Beneficiary the same benefits to which the Executive was      entitled prior to death, except that the |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | benefit      distributions shall commence within thirty (30) days following receipt by      the Bank of the Executive’s deathcertificate. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.1 | In      General.  The Executive shall have the right, at any      time, to designate a Beneficiary to receive any benefit distributions      under this Agreement upon the death of the Executive.  The      Beneficiary designated under this Agreement may be the same as or      different from the beneficiary designated under any other plan of the Bank      in which the Executiveparticipates. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.2 | Designation.  The      Executive shall designate a Beneficiary by completing and signing the      Beneficiary Designation Form and delivering it to the Plan Administrator      or its designated agent.  If the Executive names someone other      than the Executive’s spouse as a Beneficiary, the Plan Administrator may,      in its sole discretion, determine that spousal consent is required to be      provided in a form designated by the Plan Administrator, executed by the      Executive’s spouse and returned to the Plan Administrator.  The      Executive's beneficiary designation shall be deemed automatically revoked      if the Beneficiary predeceases the Executive or if the Executive names a      spouse as Beneficiary and the marriage is subsequently      dissolved.  The Executive shall have the right to change a      Beneficiary by completing, signing and otherwise complying with the terms      of the Beneficiary Designation Form and the Plan Administrator’s rules and      procedures.  Upon the acceptance by the Plan Administrator of a      new Beneficiary Designation Form, all Beneficiary designations previously      filed shall be cancelled.  The Plan Administrator shall be      entitled to rely on the last Beneficiary Designation Form filed by the      Executive and accepted by the Plan Administrator prior to the Executive’s      death. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.3 | Acknowledgment.  No      designation or change in designation of a Beneficiary shall be effective      until received, accepted and acknowledged in writing by the Plan      Administrator or its designatedagent. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.4 | No Beneficiary      Designation.  If the Executive dies without a valid      beneficiary designation, or if all designated Beneficiaries predecease the      Executive, then the Executive’s spouse shall be the designated      Beneficiary.  If the Executive has no surviving spouse, any      benefit shall be paid to the personal representative of the Executive's      estate. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.5 | Facility of      Distribution.  If the Plan Administrator determines in      its discretion that a benefit is to be distributed to a minor, to a person      declared incompetent or to a person incapable of handling the disposition      of that person’s property, the Plan Administrator may direct distribution      of such benefit to the guardian, legal representative or person having the      care or custody of such minor, incompetent person or incapable      person.  The Plan Administrator may require proof of      incompetence, minority or guardianship as it may deem appropriate prior to      distribution of the benefit.  Any distribution of a benefit      shall be a distribution for the account of the Executive and the      Beneficiary, as the case may be, and shall completely discharge any      liability under this Agreement for such distribution    amount. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 5.1 | Termination for      Cause.  Notwithstanding any provision of this Agreement      to the contrary, the Bank shall not distribute any benefit in excess of      Deferrals under this Agreement if the Executive’s employment with the Bank      is terminated due to a Termination forCause. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.2 | Suicide or      Misstatement.  No benefit shall be distributed if the      Executive commits suicide within two (2) years after the Effective Date of      this Agreement, or if an insurance company which issued a life insurance      policy covering the Executive and owned by the Bank denies coverage (i)      for material misstatements of fact made by the Executive on an application      for such life insurance, or (ii) for any other  reason. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.3 | Removal. Notwithstanding      any provision of this Agreement to the contrary, the Bank shall not      distribute any benefit in excess of Deferrals under this Agreement if the      Executive is subject to a final removal or prohibition order issued by an      appropriate federal banking agency pursuant to Section 8(e) of the Federal      Deposit Insurance Act.  Notwithstanding anything herein to the      contrary, any payments made to the Executive pursuant to this Agreement,      or otherwise, shall be subject to and conditioned upon compliance with 12      U.S.C. 1828 and FDIC Regulation 12 CFR Part 359, Golden Parachute      Indemnification Payments and any other regulations or guidance promulgated      thereunder. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.1 | Plan Administrator      Duties.  The Plan Administrator shall administer this      Agreement according to its express terms and shall also have the      discretion and authority to (i) make, amend, interpret and enforce all      appropriate rules and regulations for the administra­tion of this      Agreement and (ii) decide or resolve any and all ques­tions, including      interpretations of this Agreement, as may arise in connection with this      Agreement to the extent the exercise of such discretion and authority does      not conflict with Section 409A. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.2 | Agents.  In      the administration of this Agreement, the Plan Administrator may employ      agents and delegate to them such administrative duties as the Plan      Administrator sees fit, including acting through a duly appointed      representative, and may from time to time consult with counsel who may be      counsel to the Bank. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.3 | Binding Effect of      Decisions.  Any decision or action of the Plan      Administrator with respect to any question arising out of or in connection      with the administration, interpretation or application of this Agreement      and the rules and regulations promulgated hereunder shall be final and      conclusive and binding upon all persons having any  interest |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | in      this Agreement. |
|--------|-------------------------|

| 6.4 | Indemnity of Plan      Administrator.  The Bank shall indemnify and hold      harmless the Plan Administrator against any and all claims, losses,      damages, expenses or liabilities arising from any action or failure to act      with respect to this Agreement, except in the case of willful misconduct      by the Plan Administrator. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.5 | Bank      Information.  To enable the Plan Administrator to perform      its functions, the Bank shall supply full and timely information to the      Plan Administrator on all matters relating to the date and      circum­stances of the death, Disability or Termination of Employment      of the Executive, and such other pertinent information as the Plan      Administrator may reasonablyrequire. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.6 | Annual      Statement. The Plan Administrator shall provide to the Executive,      within one hundred twenty (120) days after the end of each Plan Year, a      statement setting forth the benefits to be distributed under this      Agreement. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.1 | Claims      Procedure.  An Executive or Beneficiary (“claimant”) who      has not received benefits under this Agreement that he or she believes      should be distributed shall make a claim for such benefits as      follows: |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.1.1   | Initiation – Written      Claim.  The claimant initiates a claim by submitting to      the Plan Administrator a written claim for the benefits.  If      such a claim relates to the contents of a notice received by the claimant,      the claim must be made within sixty (60) days after such notice was      received by the claimant.  All other claims must be made within      one hundred eighty (180) days of the date on which the event that      caused the claim to arise occurred.  The claim must state with      particularity the determination desired by the  claimant. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.1.2   | Timing of Plan      Administrator Response.  The Plan      Administrator shall respond to such claimant within ninety (90) days after      receiving the claim.  If the Plan Administrator determines that      special circumstances require additional time for processing the claim,      the Plan Administrator can extend the response period by an additional      ninety (90) days by notifying the claimant in writing, prior to the end of      the initial ninety (90) day period, that an additional period is      required.  The notice of extension must set forth the special      circumstances and the date by which the Plan Administrator expects to      render its decision. |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.1.3   | Notice of      Decision.  If the Plan Administrator denies part or all      of the claim, the Plan Administrator shall notify the claimant in writing      of such denial.  The Plan Administrator shall write the      notification in a manner calculated to be  understood  |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | by      the claimant.  The notification shall set  forth: |
|--------|---------------------------------------------------------------------|

|   | (a) | The      specific reasons for the denial; |
|--------|-----|-------------------------------------------|

|   | (b) | A      reference to the specific provisions of this Agreement on which the denial      is based; |
|--------|-----|--------------------------------------------------------------------------------------------------|

|   | (c) | A      description of any additional information or material necessary for the      claimant to perfect the claim and an explanation of why it is      needed; |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | An      explanation of this Agreement’s review procedures and the time limits      applicable to such procedures; and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------|

|   | (e) | A      statement of the claimant’s right to bring a civil action under ERISA      Section 502(a) following an adverse benefit determination on      review. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.2 | Review      Procedure.  If the Plan Administrator denies part or all      of the claim, the claimant shall have the opportunity for a full and fair      review by the Plan Administrator of the denial as  follows: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.2.1   | Initiation – Written      Request.  To initiate the review, the claimant, within      sixty (60) days after receiving the Plan Administrator’s notice of denial,      must file with the Plan Administrator a written request for      review. |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.2.2   | Additional Submissions      – Information Access.  The claimant shall then have the      opportunity to submit written comments, documents, records and other      information relating to the claim.  The Plan Administrator shall      also provide the claimant, upon request and free of charge, reasonable      access to, and copies of, all documents, records and other information      relevant (as defined in applicable ERISA regulations) to the claimant’s      claim for benefits. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.2.3   | Considerations on      Review.  In considering the review, the Plan      Administrator shall take into account all materials and information the      claimant submits relating to the claim, without regard to whether such      information was submitted or considered in the initial benefit      determination. |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.2.4   | Timing of Plan      Administrator Response.  The Plan Administrator shall      respond in writing to such claimant within sixty (60) days after receiving      the request for review.  If the Plan Administrator determines      that special circumstances require additional time for processing the      claim, the Plan Administrator can extend the response period by an      additional sixty (60) days by notifying the claimant in writing, prior to      the end of the initial sixty (60) day period, that an additional period is      required.  The notice of extension must set forth the special      circumstances and the date by which the Plan Administrator expects to      render its decision. |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 7.2.5   | Notice of      Decision.  The Plan Administrator shall notify the      claimant in writing of its decision on review.  The Plan      Administrator shall write the notification in a manner calculated to be      understood by the claimant.  The notification shall set      forth: |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | The      specific reasons for the denial; |
|--------|-----|-------------------------------------------|

|   | (b) | A      reference to the specific provisions of this Agreement on which the denial      is based; |
|--------|-----|--------------------------------------------------------------------------------------------------|

|   | (c) | A      statement that the claimant is entitled to receive, upon request and free      of charge, reasonable access to, and copies of, all documents, records and      other information relevant (as defined in applicable ERISA regulations) to      the claimant’s claim for benefits;and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | A      statement of the claimant’s right to bring a civil action under ERISA      Section 502(a). |
|--------|-----|---------------------------------------------------------------------------------------------------------|

| 8.1   | Amendments.  This      Agreement may be amended only by a written agreement signed by the Bank      and the Executive.  However, the Bank may unilaterally amend      this Agreement to conform with written directives to the Bank from its      auditors or banking regulators or to comply with legislative changes or      tax law, including without limitation Section 409A of the Code and any and      all Treasury regulations and guidance promulgated    thereunder. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.2   | Plan Termination      Generally.  This Agreement may be terminated only by a      written agreement signed by the Bank and the Executive.  The      benefit shall be the sum of:  (a) the Accrual Balance as of the      date this Agreement is terminated; and (b) the Deferral Account      balance.  Except as provided in Section 8.3, the termination of      this Agreement shall not cause a distribution of benefits under this      Agreement.  Rather, upon such termination benefit distributions      will be made at the earliest distribution event permitted under Article 2      or Article 3. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.3   | Plan Terminations      Under Section 409A.  Notwithstanding anything to the      contrary in Section 8.2, if the Bank terminates this Agreement in the      following circumstances: |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Within      thirty (30) days before or twelve (12) months after a change in the      ownership or effective control of the Bank, or in the ownership of a      substantial portion of the assets of the Bank as described in Code Section      409A(2)(A)(v), provided that all distributions are made no later than      twelve (12) months |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   |   | following      such termination of this Agreement and further provided that all the      Bank's arrangements which are substantially similar to this Agreement      are terminated so the Executive and all participants in the      similar arrangements are required to receive all amounts of      compensation deferred under the terminated arrangements within twelve (12)      months of such termination; |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Upon      the Bank’s dissolution or with the approval of a bankruptcy court provided      that the amounts deferred under this Agreement are included in the      Executive's gross income in the latest of (i) the calendar year in which      this Agreement terminates; (ii) the calendar year in which the amount is      no longer subject to a substantial risk of forfeiture; or (iii) the first      calendar year in which the distribution is administratively practical;      or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | Upon      the Bank’s termination of this and all other plans required by Section      409A to be aggregated with this Plan, provided that (i) the Plan’s      termination and liquidation does not occur proximate to a downturn in the      financial health of the Bank; (2) all distributions in connection with the      termination of the Plan are made no earlier than twelve (12) months and no      later than twenty-four (24) months following the date the Bank takes all      actions necessary to irrevocably terminate and liquidate the Plan (the      “Termination Date”); and (3) the Bank does not adopt any new plan that      would be required by Section 409A to be aggregated with this Plan at any      time within three years following the Termination  Date; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.1 | Binding      Effect.  This Agreement shall bind the Executive and the      Bank and their beneficiaries, survivors, executors, administrators and      transferees. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.2 | No Guarantee of      Employment.  This Agreement is not a contract for      employment.  It does not give the Executive the right to remain      as an employee of the Bank nor interfere with the Bank's right to      discharge the Executive.  It does not require the Executive to      remain an employee nor interfere with the Executive's right to terminate      employment at any time. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.3 | Non-Transferability.  Benefits      under this Agreement cannot be sold, transferred, assigned, pledged,      attached or encumbered in anymanner. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.4 | Tax Withholding and      Reporting.  The Bank shall withhold any taxes that are      required to be withheld, including but not limited to taxes owed under      Section 409A from the |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | benefits      provided under this Agreement.  The Executive acknowledges that      the Bank’s sole liability regarding taxes is to forward any amounts      withheld to the appropriate taxing authorities.  The Bank shall      satisfy all applicable reporting requirements, including those under      Section 409A. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.5 | Applicable      Law.  This Agreement and all rights hereunder shall be      governed by the laws of the State of Idaho, except to the extent preempted      by the laws of the United States ofAmerica. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.6 | Unfunded      Arrangement.  The Executive and the Beneficiary are      general unsecured creditors of the Bank for the distribution of benefits      under this Agreement.  The benefits represent the mere promise      by the Bank to distribute such benefits.  The rights to benefits      are not subject in any manner to anticipation, alienation, sale, transfer,      assignment, pledge, encumbrance, attachment or garnishment by      creditors.  Any insurance on the Executive's life or other      informal funding asset is a general asset of the Bank to which the      Executive and Beneficiary have no preferred or secured      claim.  The Plan shall not be funded in a manner inconsistent      with the requirements of Section409A. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.7 | Reorganization. The Bank shall      not merge or consolidate into or with another bank, or reorganize, or sell      substantially all of its assets to another bank, firm or person unless      such succeeding or continuing bank, firm or person agrees to assume and      discharge the obligations of the Bank under this      Agreement.  Upon the occurrence of such an event, the term      “Bank” as used in this Agreement shall be deemed to refer to the successor      or survivor entity. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.8 | Entire      Agreement. This Agreement      constitutes the entire agreement between the Bank and the Executive as to      the subject matter hereof.  No rights are granted to the      Executive by virtue of this Agreement other than those specifically set      forth herein. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.9 | Interpretation.  Wherever      the fulfillment of the intent and purpose of this Agreement requires and      the context will permit, the use of the masculine gender includes the      feminine and use of the singular includes the  plural. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.10 | Alternative      Action.  In the event it shall become impossible for the      Bank or the Plan Administrator to perform any act required by this      Agreement due to regulatory or other constraints, the Bank or Plan      Administrator may perform such alternative act as most nearly carries out      the intent and purpose of this Agreement and is in the best interests of      the Bank, provided that such alternative act does not violate Section 409A      (without the consent of theExecutive). |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.11 | Headings.  Article      and section headings are for convenient reference only and shall not      control or affect the meaning or construction of any provision      herein. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.12 | Validity.  If      any provision of this Agreement shall be illegal or invalid for any      reason, said |
|------|--------------------------------------------------------------------------------------------------------------------|

----

|   | illegality      or invalidity shall not affect the remaining parts hereof, but this      Agreement shall be construed and enforced as if such illegal or invalid      provision had never been includedherein. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.13 | Notice.  Any      notice or filing required or permitted to be given to the Bank or Plan      Administrator under this Agreement shall be sufficient if in writing and      hand-delivered or sent by registered or certified mail to the address      below: |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Home      Federal Bank          |
|---------------------------------|
| P.O.      Box 190               |
| Nampa,      ID  83653 |

| 9.14 | Deduction Limitation      on Benefit Payments.  If the Bank reasonably anticipates      that the Bank’s deduction with respect to any distribution under this      Agreement would be limited or eliminated by application of Code Section      162(m), then to the extent deemed necessary by the Bank to ensure that the      entire amount of any distribution from this Agreement is deductible, the      Bank may delay payment of any amount that would otherwise be distributed      under this Agreement.  The delayed amounts shall be distributed      to the Executive (or the Beneficiary in the event of the Executive's      death) at the earliest date the Bank reasonably anticipates, should      reasonably anticipate, that the deduction of the payment of the amount      will not be limited or eliminated by application of Code Section      162(m). |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.15 | Compliance with      Section 409A.  This Agreement shall be interpreted and      administered consistent with Section409A. |
|------|--------------------------------------------------------------------------------------------------------------------------------------|

|  EXECUTIVE:             |   |  BANK:                                        |
|------------------------------|--------|----------------------------------------------------|
|                         |   |  HOME      FEDERAL BANK                       |
|                         |   |                                               |
|                         |   |                                               |
|  ____________________   |   |  By:      ___________________________________ |
|  STEVEN      D. EMERSON |   |  Title:      President and CEO                |
|                         |   |                                               |

----

| Primary:___________________________________________________________ ___________________________________________________________     |  _____% _____%  |
|-----------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------|
| Contingent:___________________________________________________________ ___________________________________________________________  |  _____% _____%  |

|   | Notes: |
|--------|--------|

| ·   | Please      PRINT CLEARLY or TYPE the names of the  beneficiaries. |
|--------------------|--------------------------------------------------------------------|

| ·   | To      name a trust as Beneficiary, please provide the name of the trustee(s) and      the exact      name and date of the trustagreement. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | To      name your estate as Beneficiary, please write “Estate of [your      name]”. |
|--------------------|-------------------------------------------------------------------------------------------------|

| ·   | Be      aware that none of the contingent beneficiaries will receive anything      unless ALL of the primary beneficiaries predecease  you. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------|