**Exhibit 10.12.4**

** **

**RESOLUTION A04-25**

 

**RESOLUTION OF THE BOARD OF DIRECTORS**

**ACCESS ANYTIME BANCORP, INC**

 

**AMENDMENT NO. 4**

**TO THE**

**EXECUTIVE SAVINGS PLAN FOR FIRSTBANK (ALSO KNOWN AS ACCESS ANYTIME BANCORP, INC.)**

 

WHEREAS,AccessBank (f/k/a FirstBank) and Access Anytime Bancorp, Inc. (the “Company”) executedthe Executive Savings Plan for FirstBank or Access Anytime Bancorp, Inc.effective June 1, 1998 (the “Plan”); and

 

WHEREAS,Section 10.2 of the Plan provides that the Company may amend the Plan.

 

NOW THEREFORE,the Company hereby amends the Plan by the adoption of following amendments:

 

*1.**                                      Effectiveimmediately, the name of the Plan is amended to read the “*Executive SavingsPlan for AccessBank*.”*

 

*2.**                                      Effectiveimmediately, all references under the Plan to “*FirstBank*” shall be deemed references to “*AccessBank*.”*

 

*3.**                                      Effectiveimmediately, all references under the Plan to “*First Performance Builder*” or the “*FirstBank Profit Sharing and Employee StockOwnership Plan*” shall be deemed references to the “*AccessBankProfit-Sharing and Employee Stock Ownership Plan*.”*

 

*4.**                                      Effectiveimmediately, Section 1.1(A)(10) is amended to read in its entirety as follows:*

 

(10)                            “Earnings”shall mean the income to be credited on the Participant’s Trust Fund Account atthe close of business each day.

 

*5.**                                      Effectiveimmediately, Section 1.1(A)(18.1) is added to the Plan to read in its entiretyas follows:*

 

(18.1)                   “Participant’sTrust Fund Account” shall mean the account established for the Employee underSection 5(d) of the Trust Agreement, as amended by Amendment No. 1 on July 30,2004.

 

*6.**                                      Effectiveimmediately, Section 5.2 is added to the Plan to read in its entirety asfollows:*

 

5.2 – Investment of Account

 

Participantshall have the right to select from different model investment portfolios developedat the request of Employer and made available to Participants.  Participant may change his selection of modelinvestment portfolios 

 

1

----

 

at least monthly, in such manner and under such conditions as theCommittee shall establish.  TheParticipant’s Account hereunder shall be adjusted as of the close of businesseach day to reflect the value of the assets in the model investmentportfolio(s) selected by Participant, as well as the Earnings and anyadditional Contributions.  It is intendedby Participant and Employer that the value of Participant’s Account hereundermatch the value of Participant’s Trust Fund Account at all times.  Participant agrees on behalf of himself andany beneficiary that he accepts the risk of loss in connection with eachselection by him of a model investment portfolio.

 

*7.**                                      Effectiveimmediately, Section 5.3 is added to the Plan to read in its entirety asfollows:*

 

5.3 – Investment Portfolios

 

Employer mayfrom time to time, in its sole discretion, add, revise, or delete modelinvestment portfolios.  The modelinvestment portfolios shall not include Employer’s stock.

 

*8.**                                      Effectiveimmediately, the last sentence of Section 7.1 is amended to read in itsentirely as follows:*

 

Thereafter,the Committee shall credit the amounts of the Participant’s Salary DeferralContributions since the preceding Accounting Date, and adjust the Account bythe Earnings pursuant to Section 5.1.

 

*9.**                                      Any**inconsistentprovisions of the Plan shall be read consistent with this amendment.*

 

IN WITNESS WHEREOF, the undersigned officersbeing duly authorized by the Board of Directors of AccessBank and AccessAnytime Bancorp, Inc., hereby approve and adopt this Amendment as of the datefirst set forth below.

 

 
|   | ACCESSBANK                   |
|--------|------------------------------|
|   |                         |
|   | By:                          |   |   /s/  Don K. Padgett |
|   |                         |
|   | Title:                       |   Don  K. Padgett, President |
|   |                         |   |
|   | Date:                        |   September  23, 2004 |
|   |                         |
|   |                         |
|   | ACCESS ANYTIME BANCORP, INC. |
|   |                         |
|   | By:                          |   |   /s/  Norm Corzine |
|   |                         |
|   | Title:                       |   Norm  Corzine, Chairman |
|   |                         |
|   | Date:                        |   September  23, 2004 |

 

2

----