Exhibit 10.5


 


AMENDED AND RESTATED


EUREKA HOMESTEAD


SUPPLEMENTAL EXECUTIVE RETIREMENT
PLAN


 


This Amended and Restated
Supplemental Executive Retirement Plan (the "Agreement") by and between Eureka Homestead (the "Employer"),
and Alan T. Heintzen (the "Executive"), effective as of the 1st day of January, 2015, formalizes the agreements
and understanding between the Employer and the Executive.


 


WITNESSETH:


 


WHEREAS,
the Executive and Employer have been party to a Supplemental Executive Retirement Plan dated October 21, 2003 (the "Prior
Agreement"); and


 


WHEREAS,
the American Jobs Creation Act of 2004 added a new section to the Code, Section 409A, which imposes additional requirements on
nonqualified deferred compensation amounts deferred or vested after December 31, 2004; and


 


WHEREAS,
the Prior Agreement is a nonqualified deferred compensation plan as that term is used in Code Section 409A; and


 


WHEREAS,
proposed regulations under Code Section 409A were issued in October of 2005 and final regulations were issued on April 17, 2007,
originally effective January 1, 2008, but subsequently delayed until January 1, 2009; and


 


WHEREAS,
on January 5, 2010, the IRS issued Notice 2010-6, establishing a document correction program for certain eligible failures of deferred
compensation plans to meet the written document requirements of Code Section 409A and the final regulations; and


 


WHEREAS,
the Executive and Employer have identified certain provisions of the Prior Agreement that fail to comply with Code Section 409A
that were unintentionally and inadvertently not amended earlier; and


 


WHEREAS,
the noncompliant provisions are eligible document failures under Notice 2010-6; and


 


WHEREAS,
the Executive and Employer now wish to correct all document failures in accordance with Notice 2010-6;


 


NOW THEREFORE,
in consideration of the premises and of the mutual promises herein contained, the Employer and the Executive agree to replace the
Prior Agreement with this Amended and Restated Agreement as follows:


 




     

     

    




 


ARTICLE 1


DEFINITIONS


 


For the
purpose of this Agreement, the following phrases or terms shall have the indicated meanings:


 


1.1       "Accrued
Benefit" means the dollar value of the liability that should be accrued by the Employer, under Generally Accepted Accounting
Principles, for the Employer's obligation to the Executive under this Agreement, calculated by applying Accounting Standards Codification
710-10 and the Discount Rate.


 


1.2       "Actuarial
Life Expectancy" means the greater of (i) eighteen (18) years from Normal Retirement Age or (ii) the Executive's remaining
life expectancy, determined immediately preceding death in accordance with Internal Revenue Service Publication 939, General
Rule for Pensions and Annuities, as it may be updated from time to time.


 


 1.3       "Administrator" means the Board or its designee.




 


1.4       "Affiliate"
means any business entity with whom the Employer would be considered a single employer under Code Section 414(b) and 414(c).
Such term shall be interpreted in a manner consistent with the definition of "service recipient" contained in Code Section
409A


 


1.5       "Base
Salary" means the highest cash compensation paid to the Executive by the Employer for services performed during any calendar
year, excluding bonuses, commissions, distributions from nonqualified deferred compensation plans, fringe benefits, incentive payments,
non-monetary awards, overtime, relocation expenses, stock options and other fees, and automobile and other allowances. Base Salary
shall be calculated before reduction for amounts voluntarily deferred or contributed by the Executive pursuant to qualified or
non-qualified plans and shall be calculated to include amounts not otherwise included in the Executive's gross income under Code
Sections 125, 402(e)(3), 402(h), or 403(b) pursuant to plans established by the Employer; provided, however, that all such amounts
will be included in compensation only to the extent that had there been no such plan, the amount would have been payable in cash
to the Executive.


 


1.6       "Beneficiary"
means the person or persons designated in writing by the Executive to receive benefits hereunder in the event of the Executive's
death.


 


 1.7      "Board" means the Board of Directors of the Employer.




 


1.8       "Cause"
means any of the following acts or circumstances: gross negligence or gross neglect of duties to the Employer; conviction of a
felony or of a gross misdemeanor involving moral turpitude in connection with the Executive's employment with the Employer; or
fraud, disloyalty, dishonesty or willful violation of any law or significant Employer policy committed in connection with the Executive's
employment and resulting in a material adverse effect on the Employer.


 






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1.9       "Change
in Control" means a change in the ownership or effective control of the Employer, or in the ownership of a substantial
portion of the assets of the Employer, as such change is defined in Code Section 409A and regulations thereunder.


 


1.10     "Claimant"
means a person who believes that he or she is being denied a benefit to which he or she is entitled hereunder.


 


 1.11     "Code" means the Internal Revenue Code of 1986, as amended.




 


1.12     "Disability" means
a condition of the Executive whereby the Executive either: (i) is unable to engage in any substantial gainful activity by
reason of any medically determinable physical or mental impairment that can be expected to result in death or can be expected
to last for a continuous period of not less than 12 months, or (ii) is, by reason of any medically determinable physical or
mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less than
12 months, receiving income replacement benefits for a period of not less than three months under an accident and health plan
covering employees of the Employer. The Administrator will determine whether the Executive has incurred a Disability based on
its own good faith determination and may require the Executive to submit to reasonable physical and mental examinations
for this purpose. The Executive will also be deemed to have incurred a Disability if determined to be totally disabled by the
Social Security Administration or in accordance with a disability insurance program, provided that the definition of
disability applied under such disability insurance program complies with the initial sentence of this Section.


 


1.13     "Discount
Rate" means the rate used by the Administrator for determining the Accrued Benefit. The Administrator may adjust the Discount
Rate to maintain the rate within reasonable standards according to Generally Accepted Accounting Principles and applicable bank
regulatory guidance.


 


1.14     "Early
Termination" means Separation from Service before Normal Retirement Age except when such Separation from Service occurs
due to termination for Cause.


 


1.15     "ERISA"
means the Employee Retirement Income Security Act of 1974, as amended.


 


1.16     "Normal
Retirement Age" means the date the Executive attains age sixty-five (65).


 


1.17     "Normal
Retirement Benefit" means (i) an annual benefit in the amount of Forty Percent (40%) of Base Salary paid to the
Executive in equal monthly installments and continuing until the death of the Executive, and (ii) a lump sum payment in an
amount equal to the monthly benefit being paid hereunder multiplied by Actuarial Life Expectancy, paid in a lump sum to the
Executive within ninety (90) days following the Executive's death.


 




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1.18       "Separation
from Service" means a termination of the Executive's employment with the Employer and its Affiliates for reasons other
than death or Disability. A Separation from Service may occur as of a specified date for purposes of the Agreement even if the
Executive continues to provide some services for the Employer or its Affiliates after that date, provided that the facts and circumstances
indicate that the Employer and the Executive reasonably anticipated at that date that either no further services would be performed
after that date, or that the level of bona fide services the Executive would perform after such date (whether as an employee or
as an independent contractor) would permanently decrease to no more than twenty percent (20%) of the average level of bona fide
services performed over the immediately preceding thirty-six (36) month period (or the full period during which the Executive performed
services for the Employer, if that is less than thirty-six (36) months). A Separation from Service will not be deemed to have occurred
while the Executive is on military leave, sick leave, or other bona fide leave of absence if the period of such leave does not
exceed six (6) months or, if longer, the period for which a statute or contract provides the Executive with the right to reemployment
with the Employer. If the Executive's leave exceeds six (6) months but the Executive is not entitled to reemployment under a statute
or contract, the Executive incurs a Separation of Service on the next day following the expiration of such six (6) month period.
In determining whether a Separation of Service occurs the Administrator shall take into account, among other things, the definition
of "service recipient" and "employer" set forth in Treasury regulation §1.409A-1(h)(3). The Administrator
shall have full and final authority, to determine conclusively whether a Separation from Service occurs, and the date of such Separation
from Service.


 


1.19       "Specified
Employee" means an individual that satisfies the definition of a "key employee" of the Employer as such term
is defined in Code §416(i) (without regard to Code §416(i)(5)), provided that the stock of the Employer is publicly traded
on an established securities market or otherwise, as defined in Code §1.897-l(m). If the Executive is a key employee at any
time during the twelve (12) months ending on December 31, the Executive is a Specified Employee for the twelve (12) month period
commencing on the first day of the following April.


 


ARTICLE 2


PAYMENT OF BENEFITS


 


2.1       Misstatement.
No benefit shall be distributed hereunder if an insurance company which issued a life insurance policy covering the Executive
and owned by the Employer denies coverage (i) for material misstatements of fact made by the Executive on an application for life
insurance, or (ii) for any other reason.


 


2.2       Separation
from Service after Normal Retirement Age. Upon Separation from Service after Normal Retirement Age, the Employer shall pay
the Executive the Normal Retirement Benefit. The annual benefit portion of the benefit will be paid in equal monthly installments
commencing the month following Separation from Service.


 




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2.3       Early
Termination Benefit. If Early Termination occurs, the Employer shall pay the Executive the Normal Retirement Benefit. The annual
benefit portion of the benefit will be paid in equal monthly installments commencing the month following Normal Retirement Age.


 


2.4       Disability
Benefit. In the event the Executive suffers a Disability prior to Normal Retirement Age, the Employer shall pay the Executive
the Normal Retirement Benefit. The annual benefit portion of the benefit will be paid in equal monthly installments commencing
the month following Normal Retirement Age.


 


2.5       Death
Prior to Commencement of Benefit Payments. In the event the Executive dies prior to commencement of payment of benefits to
the Executive, the Employer shall pay the Beneficiary an amount equal to forty percent (40%) of Base Salary multiplied by Actuarial
Life Expectancy, in lieu of any other benefit hereunder. The benefit will be paid in a lump sum within ninety (90) days following
the Executive's death.


 


2.6       Termination
for Cause. If the Employer terminates the Executive's employment for Cause, then the Executive shall not be entitled to any
benefits under the terms of this Agreement.


 


2.7       Restriction
on Commencement of Distributions. Notwithstanding any provision of this Agreement to the contrary, if the Executive is considered
a Specified Employee at the time of Separation from Service, the provisions of this Section shall govern all distributions hereunder.
Distributions which would otherwise be made to the Executive due to Separation from Service shall not be made during the first
six (6) months following Separation from Service. 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 Separation
from Service, or if earlier, upon the Executive's death. All subsequent distributions shall be paid as they would have had this
Section not applied.


 


2.8       Acceleration
of Payments. Except as specifically permitted herein, no acceleration of the time or schedule of any payment may be made hereunder.
Notwithstanding the foregoing, payments may be accelerated, in accordance with the provisions of Treasury Regulation §1.409A-3(j)(4)
in the following circumstances: (i) as a result of certain domestic relations orders; (ii) in compliance with ethics agreements
with the federal government; (iii) in compliance with the ethics laws or conflicts of interest laws; (iv) in limited cashouts (but
not in excess of the limit under Code §402(g)(1)(B)); (v) to pay employment-related taxes; or (vi) to pay any taxes that may
become due at any time that the Agreement fails to meet the requirements of Code Section 409A.


 


2.9       Delays
in Payment by Employer. A payment may be delayed to a date after the designated payment date under any of the circumstances
described below, and the provision will not fail to meet the requirements of establishing a permissible payment event. The delay
in the payment will not constitute a subsequent deferral election, so long as the Employer treats all payments to similarly situated
Participants on a reasonably consistent basis.


 




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(a)       Payments
subject to Code Section 162(m). If the Employer reasonably anticipates that the Employer'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 Employer to ensure that the entire amount of any distribution from this Agreement is deductible, the Employer 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 Employer reasonably anticipates that
the deduction of the payment of the amount will not be limited or eliminated by application of Code Section 162(m).


 


(b)       Payments
that would violate Federal securities laws or other applicable law. A payment may be delayed where the Employer reasonably
anticipates that the making of the payment will violate Federal securities laws or other applicable law provided that the payment
is made at the earliest date at which the Employer reasonably anticipates that the making of the payment will not cause such violation.
The making of a payment that would cause inclusion in gross income or the application of any penalty provision of the Internal
Revenue Code is not treated as a violation of law.


 


(c)       Solvency.
Notwithstanding the above, a payment may be delayed where the payment would jeopardize the ability of the Employer to continue
as a going concern.


 


2.10     Treatment
of Payment as Made on Designated Payment Date. Solely for purposes of determining compliance with Code Section 409A, any payment
under this Agreement made after the required payment date shall be deemed made on the required payment date provided that such
payment is made by the latest of: (i) the end of the calendar year
in which the payment is due; (ii) the 15th day of the third calendar month following the payment due date; (iii) if Employer cannot
calculate the payment amount on account of administrative impracticality which is beyond the Executive's control, the end of the
first calendar year which payment calculation is practicable; and (iv) if Employer does not have sufficient funds to make the payment
without jeopardizing the Employer's solvency, in the first calendar year in which the Employer's funds are sufficient to make the
payment.


 


2.11     Facility
of Payment. If a distribution is to be made to a minor, or to a person who is otherwise incompetent, then the Administrator
may make such distribution: (i) to the legal guardian, or if none, to a parent of a minor payee with whom the payee maintains his
or her residence; or (ii) to the conservator or administrator or, if none, to the person having custody of an incompetent payee.
Any such distribution shall fully discharge the Employer and the Administrator from further liability on account thereof.


 




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2.12     Changes
in Form or Timing of Benefit Payments. The Employer and the Executive may, subject to the terms hereof, amend this Agreement
to delay the timing or change the form of payments. Any such amendment:


 


(a)       must
take effect not less than twelve (12) months after the amendment is made;


(b)       must,
for benefits distributable due solely to the arrival of a specified date, or on account of Separation from Service or Change in
Control, delay the commencement of distributions for a minimum of five (5) years from the date the first distribution was originally
scheduled to be made;


(c)       must,
for benefits distributable due solely to the arrival of a specified date, be made not less than twelve (12) months before distribution
is scheduled to begin; and


 (d)      may not accelerate the time or schedule of any distribution.




 


ARTICLE 3 


BENEFICIARIES


 


3.1       Designation
of Beneficiaries. The Executive may designate any person to receive any benefits payable under the Agreement upon the Executive's
death, and the designation may be changed from time to time by the Executive by filing a new designation. Each designation will
revoke all prior designations by the Executive, shall be in the form prescribed by the Administrator, and shall be effective only
when filed in writing with the Administrator during the Executive's lifetime. If the Executive names someone other than the Executive's
spouse as a Beneficiary, the Administrator may, in its sole discretion, determine that spousal consent is required to be provided
in a form designated by the Administrator, executed by the Executive's spouse and returned to the 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.


 


3.2       Absence
of Beneficiary Designation. In the absence of a valid Beneficiary designation, or if, at the time any benefit payment is due
to a Beneficiary, there is no living Beneficiary validly named by the Executive, the Employer shall pay the benefit payment to
the Executive's spouse. If the spouse is not living then the Employer shall pay the benefit payment to the Executive's living descendants
per stirpes, and if there are no living descendants, to the Executive's estate. In determining the existence or identity
of anyone entitled to a benefit payment, the Employer may rely conclusively upon information supplied by the Executive's personal
representative, executor, or administrator.


 


ARTICLE4 


ADMINISTRATION


 


4.1       Administrator
Duties. The Administrator shall be responsible for the management, operation, and administration of the Agreement. When making
a determination or calculation, the Administrator shall be entitled to rely on information furnished by the Employer, Executive
or Beneficiary. No provision of this Agreement shall be construed as imposing on the Administrator any fiduciary duty under ERISA
or other law, or any duty similar to any fiduciary duty under ERISA or other law.


 




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4.2       Administrator
Authority. The Administrator shall enforce this Agreement in accordance with its terms, shall be charged with the general administration
of this Agreement, and shall have all powers necessary to accomplish its purposes.


 


4.3       Binding
Effect of Decision. The decision or action of the 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, conclusive and binding upon all persons having any interest in this Agreement.


 


4.4       Compensation,
Expenses and Indemnity. The Administrator shall serve without compensation for services rendered hereunder. The Administrator
is authorized at the expense of the Employer to employ such legal counsel and/or recordkeeper as it may deem advisable to assist
in the performance of its duties hereunder. Expense and fees in connection with the administration of this Agreement shall be paid
by the Employer.


 


4.5       Employer
Information. The Employer shall supply full and timely information to the Administrator on all matters relating to the Executive's
compensation, death, Disability or Separation from Service, and such other information as the Administrator reasonably requires.


 


4.6       Termination
of Participation. If the Administrator determines in good faith that the Executive no longer qualifies as a member of a select
group of management or highly compensated employees, as determined in accordance with ERISA, the Administrator shall have the right,
in its sole discretion, to cease further benefit accruals hereunder.


 


4.7       Compliance
with Code Section 409A. The Employer and the Executive intend that the Agreement comply with the provisions of Code Section
409A to prevent the inclusion in gross income of any amounts deferred hereunder in a taxable year prior to the year in which amounts
are actually paid to the Executive or Beneficiary. This Agreement shall be construed, administered and governed in a manner that
affects such intent, and the Administrator shall not take any action that would be inconsistent therewith.


 


ARTICLE 5


CLAIMS AND REVIEW PROCEDURES


 


5.1       Claims
Procedure. A 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.


 


(a)       Initiation
- Written Claim. The Claimant initiates a claim by submitting to the 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.


 




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(b)       Timing
of Administrator Response. The Administrator shall respond to such Claimant within ninety (90) days after receiving the claim.
If the Administrator determines that special circumstances require additional time for processing the claim, the 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 Administrator expects to render its decision.


 (c)       Notice
of Decision. If the Administrator denies part or all of the claim, the Administrator shall notify the Claimant in writing
of such denial. The Administrator shall write the notification in a manner calculated to be understood by the Claimant. The notification
shall set forth: (i) the specific reasons for the denial; (ii) a reference to the specific provisions of this Agreement on which
the denial is based; (iii) a description of any additional information or material necessary for the Claimant to perfect the claim
and an explanation of why it is needed; (iv) an explanation of this Agreement's review procedures and the time limits applicable
to such procedures; and (v) a statement of the Claimant's right to bring a civil action under ERISA Section 502(a) following an
adverse benefit determination on review.


 


5.2       Review
Procedure. If the Administrator denies part or all of the claim, the Claimant shall have the opportunity for a full and fair
review by the Administrator of the denial as follows.


 


(a)       Initiation
- Written Request. To initiate the review, the Claimant, within sixty (60) days after receiving the Administrator's notice
of denial, must file with the Administrator a written request for review.


(b)       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 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.


(c)       Considerations
on Review. In considering the review, the 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.


(d)       Timing
of Administrator Response. The Administrator shall respond in writing to such Claimant within sixty (60) days after receiving
the request for review. If the Administrator determines that special circumstances require additional time for processing the claim,
the 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 Administrator expects to
render its decision.


 




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(e)       Notice
of Decision. The Administrator shall notify the Claimant in writing of its decision on review. The 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).


 


ARTICLE 6


AMENDMENT AND TERMINATION


 


6.1      Agreement
Amendment Generally. Except as provided in Section 6.2, this Agreement may be amended only by a written agreement signed by
both the Employer and the Executive.


 


6.2     Amendment
to Insure Proper Characterization of Agreement. Notwithstanding anything in this Agreement to the contrary, the Agreement may
be amended by the Employer at any time, if found necessary in the opinion of the Employer, (i) to ensure that the Agreement is
characterized as plan of deferred compensation maintained for a select group of management or highly compensated employees as described
under ERISA, (ii) to conform the Agreement to the requirements of any applicable law or (iii) to comply with the written instructions
of the Employer's auditors or banking regulators.


 


6.3     Agreement
Termination Generally. Except as provided in Section 6.4, this Agreement may be terminated only by a written agreement signed
by the Employer and the Executive. Such termination 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.


 


6.4     Effect
of Complete Termination. Notwithstanding anything to the contrary in Section 6.3, and subject to the requirements of Code Section
409A and Treasury Regulations §l.409A-3(j)(4)(ix), at certain times the Employer may completely terminate and liquidate the
Agreement. In the event of such a complete termination, the Employer shall pay the Accrued Benefit balance to the Executive. Such
complete termination of the Agreement shall occur only under the following circumstances and conditions.


 


(a)       Corporate
Dissolution or Bankruptcy. The Employer may terminate and liquidate this Agreement within twelve (12) months of a corporate
dissolution taxed under Code Section 331, or with the approval of a bankruptcy court pursuant to 11 U.S.C. §503(b)(l)(A),
provided that all benefits paid under the Agreement are included in the
Executive's gross income in the latest of: (i) the calendar year which the termination occurs; (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 payment is administratively
practicable.


 




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(b)       Change
in Control. The Employer may terminate and liquidate this Agreement by taking irrevocable action to terminate and liquidate
within the thirty (30) days preceding or the twelve (12) months following a Change in Control. This Agreement will then be treated
as terminated only if all substantially similar arrangements sponsored by the Employer which are treated as deferred under a single
plan under Treasury Regulations §1.409A-1(c)(2) are terminated and liquidated with respect to each participant who experienced
the Change in Control so that the Executive and any participants in any such similar arrangements are required to receive all amounts
of compensation deferred under the terminated arrangements within twelve (12) months of the date the Employer takes the irrevocable
action to terminate the arrangements.


(c)       Discretionary
Termination. The Employer may terminate and liquidate this Agreement provided that: (i) the termination does not occur proximate
to a downturn in the financial health of the Employer; (ii) all arrangements sponsored by the Employer and Affiliates that would
be aggregated with any terminated arrangements under Treasury Regulations §1.409A-1(c) are terminated; (iii) no payments,
other than payments that would be payable under the terms of this Agreement if the termination had not occurred, are made within
twelve (12) months of the date the Employer takes the irrevocable action to terminate this Agreement; (iv) all payments are made
within twenty-four (24) months following the date the Employer takes the irrevocable action to terminate and liquidate this Agreement;
and (v) neither the Employer nor any of its Affiliates adopt a new arrangement that would be aggregated with any terminated arrangement
under Treasury Regulations §1.409A-1(c) if the Executive participated in both arrangements, at any time within three (3) years
following the date the Employer takes the irrevocable action to terminate this Agreement.


 


ARTICLE 7 


MISCELLANEOUS


 


7.1     No
Effect on Other Rights. This Agreement constitutes the entire agreement between the Employer 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.
Nothing contained herein will confer upon the Executive the right to be retained in the service of the Employer nor limit the right
of the Employer to discharge or otherwise deal with the Executive without regard to the existence hereof.


 


7.2     State
Law. To the extent not governed by ERISA, the provisions of this Agreement shall be construed and interpreted according to
the internal law of the State of Louisiana without regard to its conflicts of laws principles.


 




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7.3     Validity.
In case 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 inserted herein.


 


7.4     Nonassignability.
Benefits under this Agreement cannot be sold, transferred, assigned, pledged, attached or encumbered in any manner.


 


7.5     Unsecured
General Creditor Status. Payment to the Executive or any Beneficiary hereunder shall be made from assets which shall continue,
for all purposes, to be part of the general, unrestricted assets of the Employer and no person shall have any interest in any such
asset by virtue of any provision of this Agreement. The Employer's obligation hereunder shall be an unfunded and unsecured promise
to pay money in the future. In the event that the Employer purchases an insurance policy insuring the life of the Executive to
recover the cost of providing benefits hereunder, neither the Executive nor the Beneficiary shall have any rights whatsoever in
said policy or the proceeds therefrom.


 


7.6     Life
Insurance. If the Employer chooses to obtain insurance on the life of the Executive in connection with its obligations under
this Agreement, the Executive hereby agrees to take such physical examinations and to truthfully and completely supply such information
as may be required by the Employer or the insurance company designated by the Employer.


 


7.7     Unclaimed
Benefits. The Executive shall keep the Employer informed of the Executive's current address and the current address of the
Beneficiary. If the location of the Executive is not made known to the Employer within three years after the date upon which any
payment of any benefits may first be made, the Employer shall delay payment of the Executive's benefit payment(s) until the location
of the Executive is made known to the Employer; however, the Employer shall only be obligated to hold such benefit payment(s) for
the Executive until the expiration of three (3) years. Upon expiration of the three (3) year period, the Employer may discharge
its obligation by payment to the Beneficiary. If the location of the Beneficiary is not made known to the Employer by the end of
an additional two (2) month period following expiration of the three (3) year period, the Employer may discharge its obligation
by payment to the Executive's estate. If there is no estate in existence at such time or if such fact cannot be determined by the
Employer, the Executive and Beneficiary shall thereupon forfeit all rights to any benefits provided under this Agreement.


 


7.8     Removal.
Notwithstanding anything in this Agreement to the contrary, the Employer shall not distribute any benefit under this Agreement
if the Executive is subject to a final removal or prohibition order issued pursuant to Section 8(e) of the Federal Deposit Insurance
Act. Furthermore, any payments made to the Executive pursuant to this Agreement shall, if required, comply with 12 U.S.C. 1828,
FDIC Regulation 12 CFR Part 359 and any other regulations or guidance promulgated thereunder.


 




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7.9    Notice.
Any notice, consent or demand required or permitted to be given to the Employer or Administrator under this Agreement shall be
sufficient if in writing and hand-delivered or sent by registered or certified mail to the Employer's principal business office.
Any notice or filing required or permitted to be given to the Executive or Beneficiary under this Agreement shall be sufficient
if in writing and hand-delivered or sent by mail to the last known address of the Executive or Beneficiary, as appropriate. Any
notice shall be deemed given as of the date of delivery or, if delivery is made by mail, as of the date shown on the postmark or
on the receipt for registration or certification.


 


7.10    Headings
and Interpretation. Headings and sub-headings in this Agreement are inserted for reference and convenience only and shall not
be deemed part of this Agreement 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.


 


7.11   Alternative
Action. In the event it becomes impossible for the Employer or the Administrator to perform any act required by this Agreement
due to regulatory or other constraints, the Employer or 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 Employer, provided that such alternative act does
not violate Code Section 409A.


 


7.12   Coordination
with Other Benefits. The benefits provided for the Executive or the Beneficiary under this Agreement are in addition to any
other benefits available to the Executive under any other plan or program for employees of the Employer. This Agreement shall supplement
and shall not supersede, modify, or amend any other such plan or program except as may otherwise be expressly provided herein.


 


7.13   Inurement.
This Agreement shall be binding upon and shall inure to the benefit of the Employer, its successor and assigns, and the Executive,
the Executive's successors, heirs, executors, administrators, and the Beneficiary.


 


7.14  Tax
Withholding. The Employer may make such provisions and take such action as it deems necessary or appropriate for the withholding
of any taxes which the Employer is required by any law or regulation to withhold in connection with any benefits under the Agreement.
The Executive shall be responsible for the payment of all individual tax liabilities relating to any benefits paid hereunder.


 


7.15  Aggregation
of Agreement. If the Employer offers other deferred compensation plans, this Agreement and those plans shall be treated as
a single plan to the extent required under Code Section 409A.


 




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IN WITNESS WHEREOF,
the Executive and a representative of the Employer have executed this Agreement document as indicated below:


 





	Executive:	ALAN T. HEINTZEN		EUREKA HOMESTEAD
	 	 	 	 	 
	/s/ Alan T. Heintzen	 	By: 	/s/ Robert M. Shofstahl
	 		 	 	Robert M. Shofstahl
	 	 	 	 	 
	 		 	 	CHAIRMAN OF THE BOARD







 




    	 	14	 



     

    

 


TERMINATION
OF THE


AMENDED
AND RESTATED 


EUREKA
HOMESTEAD


SUPPLEMENTAL EXECUTIVE
RETIREMENT PLAN


 


This Termination (the "Termination")
is made by Eureka Homestead the 19th day of June, 2018.


 


WITNESSETH:


 


WHEREAS,
Eureka Homestead and Alan T. Heintzen (the "Executive") are parties to an Amended and Restated Supplemental Executive
Retirement Plan effective January 1, 2015 (as amended, the "Agreement"); and


 


WHEREAS,
Eureka Homestead is changing aspects of the way it compensates the Executive and now wishes to terminate the Agreement in accordance
with Section 409A of the Internal Revenue Code;


 


NOW THEREFORE, Eureka Homestead states
as follows.


 


AGREEMENT


 


1.       Termination.
Eureka Homestead hereby terminates the Agreement effective as of the 30th day of June, 2018 (the "Effective Date").


 


2.       Payment.
As of the Effective Date, the Executive's benefit under the Agreement is Nine hundred thrity-six thousand seven hundred thirty-eight
dollars and seventy-two cents ($936,738.72) (the "Balance"). At such date or dates as Eureka Homestead decides, provided
that all such dates are between twelve (12) and twenty-four (24) months following the Effective Date, Eureka Homestead shall pay
the Executive the Balance between the Effective Date and the date(s) of payment, in full satisfaction of all Eureka Homestead's
liabilities under the Agreement.


 


3.       Complete
Liquidation of Executive's Interest.
The payment described in the Section 2 fully and completely liquidates the Executive's interest in the Agreement. Eureka Homestead
shall have no further obligation under any provision of the Agreement or any other provision of the Agreement to make any other
payment to the Executive or the Executive's beneficiary.


 


4.
      Compliance with Tax and
Regulatory Requirements.




 


   a.       Internal
Revenue Code Section 409A. Eureka Homestead intends for this Termination to meet the requirements of Treasury Regulations Section
1.409A- 3(j)(4)(ix)(C). Eureka Homestead warrants and represents that (i) Eureka Homestead is concurrently terminating all other
non-qualified deferred compensation agreements which would be aggregated with the Agreement under the provisions of Treasury Regulations
Section 1.409A(c), (ii) this Termination is not being made proximate to a downturn in the financial health of Eureka Homestead
and (iii) Eureka Homestead will
not implement a new plan which would be aggregated with the Agreement under Treasury Regulations Section 1.409A-1(c) within the
three (3) years following the Effective Date.


 






    	 	 	 



     

    

  


   b.       FDIC
Golden Parachute Restrictions. Eureka Homestead has complied with all the requirements of Section 28(k) of the Federal
Deposit Insurance Act (12 U.S.C. Section 1828(k) and Part 359 of the Rules and Regulations of the Federal Deposit Insurance
Corporation.


 


   c.       Savings
Clause.Eureka Homestead intends that this Termination comply with the provisions of Code Section 409A to prevent
the inclusion in gross income of any amounts deferred hereunder in a taxable year prior to the year in which amounts are
actually paid to the Executive or the beneficiary. This Termination shall be construed, administered and governed in a manner
that affects such intent, and neither Eureka Homestead nor the Executive shall take any action that would be
inconsistent therewith.


 


5.       Modification.
Any modification of this Termination shall be effective only if it is in writing and only to the extent that it is compliant with
all applicable codes, statutes and regulations.


 


IN
WITNESS WHEREOF, a duly authorized representative of Eureka Homestead has executed this Termination as indicated below:


 


		Eureka Homestead:



 


		By:	/s/ Robert M. Shofstahl
	 	 	Robert M. Shofstahl
	 	 	Chairman of the Board
	 	 	 
	Received and acknowledged:	 	 
	 	 	 
	/s/ Alan Heintzen	 	 
	Alan Heintzen