**Exhibit10.6.4**

** **

**EXTENSION**

 

**OF**

 

# **EMPLOYMENT AGREEMENT**

 

 

**                EXTENSION****AGREEMENT,** this 16th day ofDecember 2002, by and between FIRSTBANK (Bank), a federally chartered stocksavings bank and its parent holding company ACCESS ANYTIME BANCORP., INC.(Company) and Kenneth J. Huey, Jr. (Officer).

 

                TheOfficer is President, Chief Executive Officer, and a Director of the Bank andhas been duly elected to these positions. Also, the Officer is Chief Administration Officer, Chief FinancialOfficer, and a Director of the Company and has been duly elected to thesepositions.

 

                EffectiveJanuary 1, 2003, the Bank/Company and the Officer desires to amend anEMPLOYMENT AGREEMENT dated the 29th day of July, 1999, page 1 (one)Section 3 (three), *Position andResponsibilities* to read ..... shall serve as Executive VicePresident and Director of the Bank and Chief Financial Officer and ChiefAdministration Officer of the Company”. Officer was previously elected by Company shareholders to serve as aDirector until the annual shareholders’ meeting in 2004.

 

                EffectiveJanuary 1, 2003, the Bank/Company and the Officer desires to amend anEMPLOYMENT AGREEMENT dated the 29th day of July, 1999, page 2 (one)Section 3 (three), *Position and Responsibilities*, item *(a) Major Duties and Responsibilities* byreplacing items (a) (i)(ii) and (iii) with the following:

 
| (a)    |   | Project the best image  possible for the Bank/Company.   Develop a leadership role in establishing the Bank’s image and  maintaining standards in marketing policy. |   |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|   |   |                                                                                                                                                                          |   |   |   |   |   |
|   |   | (i)                                                                                                                                                                           |   | Research/direct projects  such as surveys and other types of activities; |   |
|   |   |                                                                                                                                                                          |   |   |   |   |   |
|   |   | (ii)                                                                                                                                                                          |   | Expand advertising  markets; look for new techniques for providing better customer service and  marketing the Bank’s products in a superior manner; |   |
|   |   |                                                                                                                                                                          |   |   |   |   |   |
|   |   | (iii)                                                                                                                                                                         |   | Analyze the quality of  service given to customers by using anonymous shoppers in various areas and  questioning the shoppers as to quality of service and attitude of employees  who have contact with the public; |   |
|   |   |                                                                                                                                                                          |   |   |   |   |   |
|   |   | (iv)                                                                                                                                                                          |   | Constantly work with  public contact people in sales and cross-selling. Call on important prospects  and large accounts; |   |
|   |   |                                                                                                                                                                          |   |   |   |   |   |
|   |   | (v)                                                                                                                                                                           |   | Assist and develop  advertising and promotion materials for new services and promotions; |   |

 

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|   |   | (vi)   |   | Set up and monitor an  automated call program so the Bank is selling and cross-selling to the  customers and prospects it wants to reach or keep; |   |
|--------|--------|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|   |   |   |   |                                                                                                                                              |   |   |   |
|   |   | (vii)  |   | Assist the Chairman of the  Company and other senior officers on public and press relations matters;                                              |   |
|   |   |   |   |                                                                                                                                              |   |   |   |
|   |   | (viii) |   | Monitor, review and  provide monthly revised policies and procedures to the Board of Directors,  and                                              |   |
|   |   |   |   |                                                                                                                                              |   |   |   |
|   |   | (ix)   |   | Assist, review and monitor  quarterly 10Qs and annual 10Ks.                                                                                       |   |

 

This EXTENSION AGREEMENTherewith incorporates all other terms and conditions of an EMPLOYMENT AGREEMENTdated the 29th day of July, 1999, and an EXTENSION OF EMPLOYMENTAGREEMENT dated the 23rd day of August, 2001, by and between theBank/Company and the Officer.

 
|          |                                      |                              |   |                                    |
|---------------|-------------------------------------------|-----------------------------------|--------|-----------------------------------------|
| **FIRSTBANK** |                                      | **ACCESS  ANYTIME BANCORP, INC.** |
|          |                                      |                              |
|          |                                      |                              |   |                                    |   |
| BY:           | /s/ Robert “Chad” Lydick        |                              | BY:    | /s/ Robert “Chad” Lydick      |   |
|          | Robert “Chad” Lydick,  Chairman |                              |   | Robert “Chad” Lydick,  Member |   |
|          | Board of Directors                        |                              |   | Board of Directors                      |   |
|          |                                      |                              |   |                                    |   |
|          |                                      |                              |   |                                    |   |
| **OFFICER**   |                                      |                              |   |
|          |                                      |                              |   |
|          |                                      |                              |   |                                    |
| BY:           | /s/ Kenneth J. Huey, Jr.                  |                              |   |                                    |
|          | Kenneth J. Huey, Jr.                      |                              |   |                                    |
|               |                                           |                                   |        |                                         |  |  |  |  |  |

 

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