Document:

Exhibit
10.6

Affiliate’s
Agreement

February 22, 2007

1st Pacific Bancorp and 1st Pacific Bank of California

4275 Executive Square, Suite 650

La Jolla, California  92037

Attention:  Dr. James G. Knight, Chairman

Ladies and Gentlemen:

Reference is made to the
Agreement and Plan of Reorganization and Merger, dated as of February 22, 2007
(the “Reorganization Agreement”), by and among 1st Pacific Bancorp (“Company”),
1st Pacific Bank of California (“Bank”) and Landmark National Bank (“Seller”),
which Reorganization Agreement provides for the merger of Seller with and into
Bank (the “Merger”), in a transaction in which, among other things, shares of
the common stock, $5.00 par value, of Seller (“Seller Common Stock”) will be
converted into the right to receive shares of common stock, no par value, of
Company (“Company Common Stock”) and/or cash, as more fully provided therein.

The undersigned has been
informed that the Merger constitutes a transaction covered by Rule 145 under
the Securities Act of 1933, as amended (the “Securities Act”); that the
undersigned may be deemed to be an “affiliate” of Seller within the meaning of
Rule 145; and that, accordingly, the shares of Company Common Stock which the
undersigned may acquire in connection with the Merger may be disposed of only
in conformity with the provisions hereof.

The capitalized terms used and not defined herein shall have the
meaning set forth in the Reorganization Agreement.

1.                                       The undersigned, after inquiry of any agent
with discretionary power to transfer the undersigned’s shares of Seller Common
Stock, represents, warrants and agrees as follows:

(a)                                  The undersigned has full power to execute
this Affiliate’s Agreement and to make the representations, warranties and
agreements herein, and to perform his, her or its obligations hereunder.

(b)                                 The undersigned is currently the owner of
that number of shares of Seller Common Stock set forth in Schedule 1 hereto
(the “Seller Shares”) and has held the Seller Shares at all times since January
1, 2005, unless otherwise set forth in Schedule 1.

(c)                                  The undersigned currently owns no shares of
Company Common Stock and has not owned any shares of Company Common Stock since
January 1, 2005, except as otherwise disclosed on Schedule 1 to this
Agreement.  The undersigned shall not
sell, margin, sell short, purchase, contract to purchase or sell or otherwise 

have
any financial interest, directly or indirectly in any transaction involving
shares of Company Common Stock from the date hereof until after the Merger.

(d)                                 The undersigned shall not purchase, sell,
transfer or otherwise dispose of, or reduce the undersigned’s risk of ownership
or investment in any of the Seller Shares prior to the Merger.

(e)                                  Other than in exchange for Company Common
Stock and/or cash pursuant to the Merger, the undersigned has no present plan
or intent to engage in a sale, exchange, transfer, redemption or reduction in
any way of the undersigned’s risk of ownership by short sale or otherwise, or
other disposition, directly or indirectly (such actions being collectively
referred to as a “Sale”) of the Seller Shares or any of the shares of Company
Common Stock to be received by the undersigned pursuant to the Merger.

(f)                                    The undersigned has not engaged in a Sale of
any shares of Seller Common Stock at any time since January 1, 2005 unless
otherwise set forth in Schedule 1.

(g)                                 The undersigned is not aware of or
participating in any plan or intention on the part of the Seller’s shareholders
(a “Plan”) to engage in a Sale of Company Common Stock to be received by such
Seller shareholders pursuant to the Merger that will reduce such Seller
shareholders’ ownership of Company Common Stock to a number of shares having,
in the aggregate, a value at the Effective Time of less than 50% of the total
fair market value of the Seller Shares or Seller Common Stock outstanding
immediately prior to the Merger.  For
purposes of this representation, shares of the Seller Stock disposed of in a
Sale (including through the exercise of dissenters’ rights) will be considered
to be outstanding stock of Seller immediately prior to the Merger that was
exchanged for Company Common Stock in the Merger, and then disposed of pursuant
to a Plan.

(h)                                 The undersigned has no present plan or intent
to (i) engage in a Sale of the Seller Shares (other than in exchange for
Company Common Stock and/or cash pursuant to the Merger), or (ii) exercise
dissenters’ rights in connection with the Merger.

(i)                                     The representations contained herein shall be
true and correct at all times from the date hereof through the Effective Time.

(j)                                     The undersigned has consulted such legal and
financial counsel as the undersigned deems appropriate in connection with the
execution of this Affiliate’s Agreement.

2.                                       Company agrees to use its best efforts to
file all reports and data with the Securities and Exchange Commission (“SEC”)
necessary to permit the undersigned to sell Restricted Securities pursuant to
and otherwise in conformity with Rule 145(d) under the Securities Act.

3.                                       Company acknowledges that the provisions of
Section 1(e) of this Affiliate’s Agreement will be satisfied as to any sale by
the undersigned of Restricted Securities pursuant to Rule 145(d) under the
Securities Act, as evidenced by a broker’s letter or opinion of 

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counsel
stating that the requirements of Rule 145 have been met; provided, however,
that if counsel for Company reasonably believes that the provisions of Rule 145
have not been complied with, or if requested by Company in connection with a
proposed disposition, the undersigned shall furnish to Company a copy of a “no
action” letter or other communication from the staff of the SEC or an opinion
of counsel in form and substance reasonably satisfactory to Company and its
counsel, to the effect that the applicable provisions of Paragraphs (c), (e),
(f) and (g) of Rule 144 under the Securities Act have been complied with or
that the disposition may be otherwise effected in the manner requested in
compliance with the Securities Act.

4.                                       The undersigned also understands that stop
transfer instructions will be given to Company’s transfer agent with respect to
the Restricted Securities and that there will be placed on the certificates
evidencing the Restricted Securities, or any substitutions therefor, a legend
stating in substance:

“THE SHARES REPRESENTED BY
THIS CERTIFICATE WERE ISSUED IN A TRANSACTION TO WHICH RULE 145 PROMULGATED
UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “ACT”), APPLIES AND MAY BE
SOLD, TRANSFERRED OR OTHERWISE DISPOSED OF ONLY IN ACCORDANCE WITH THE TERMS OF
AN AGREEMENT BETWEEN THE REGISTERED HOLDER HEREOF AND 1ST PACIFIC BANCORP, A
COPY OF WHICH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICES OF 1ST PACIFIC
BANCORP.”

Company agrees that such
stop transfer instructions and legend will be promptly removed if there has
been compliance with the provisions of Section 3.

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5.                                       This Affiliate’s Agreement shall be binding
upon and enforceable against administrators, executors, representatives, heirs,
legatees and devisees of the undersigned and any pledgee holding the Restricted
Securities of the undersigned as collateral.

IN WITNESS WHEREOF, the undersigned has executed the foregoing
Affiliate’s Agreement as of the date first above written.

	
  

  	
  Very truly yours,

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
  Agreed to and
  Accepted:

  	
   

  
	
   

  	
   

  
	
  1ST PACIFIC
  BANCORP

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
  By:

  	
   

  	
   

  	
   

  
	
  Name:

  	
   

  	
   

  	
   

  
	
   

  	
   

  
	
  By:

  	
   

  	
   

  	
   

  
	
  Name:

  	
   

  	
   

  	
   

  
							

 

 4Exhibit 10.37

Executive Officer Compensation

The Governance, Compensation & Nominating Committee (the Committee)
of the Xcel Energy Inc. board of directors sets executives’ salaries, annual
bonus targets and long-term compensation targets. Executive compensation was
set by the Committee for 2007 after consideration of, among other things,
individual performance and market-based data on compensation for executives
with similar duties. Payouts of 2007 annual bonus targets and long-term awards
are dependent on achievement of specified goals set by the Committee, and no
officer is assured of any payout. Set forth below is a description of the
actions taken by the Committee with respect to 2007 compensation.

Salary 

The Committee established the base salaries
of its senior executive group for 2007. The salaries for the Xcel Energy
officers who are currently serving as officers and who were named in the
Summary Compensation Table in Xcel Energy’s 2006 Proxy Statement (the Named
Executive Officers) are set forth below.

	
   

  	
   

  	
  2007 Base Salary

  	
   

  
	
  Richard C.
  Kelly

  	
   

  	
   

  	
  $

  	
  1,100,000

  	
   

  
	
  Gary R.
  Johnson

  	
   

  	
   

  	
  $

  	
  410,000

  	
   

  
	
  Paul J.
  Bonavia

  	
   

  	
   

  	
  $

  	
  535,000

  	
   

  
	
  Patricia K.
  Vincent

  	
   

  	
   

  	
  $

  	
  390,000

  	
   

  
	
  Benjamin G.S. Fowke III

  	
   

  	
   

  	
  $

  	
  535,000

  	
   

  

 

Annual Bonus Targets

Annual
incentive awards, expressed as a percentage of salary, were set by the
Committee under the Xcel Energy Executive Annual Incentive Award Plan
(effective May 25, 2005) (the Xcel Annual Incentive Plan), which was approved
by Xcel Energy’s shareholders in 2005. Payouts of annual incentive awards are
dependent on the level of achievement of corporate financial and operational
goals approved by the Committee, with each individual having the opportunity to
earn from 0 percent to approximately 150 percent of his or her target annual
incentive award based on the level of achievement in 2007 of the applicable
goals .

Corporate
goals for 2007 include targeted earnings per share, an environmental
measurement, and safety.

Target annual
incentive awards, as a percent of base salary, were set for all Xcel Energy
officers, ranging from 100 percent of salary for Mr. Kelly to 55 percent to 65
percent of salary for the other Named Executive Officers. With the approval of
the Committee, an award may be multiplied by a leadership-rating factor from
zero to two.

In order to encourage increased share ownership by executive officers,
the Xcel Energy Annual Incentive Plan provides the option for executives to
receive their payments in shares of common stock or shares of restricted common
stock, which vests in equal annual installments over a three-year period, in
lieu of cash. A 5 percent premium is added to amounts paid in shares of common
stock, and a 20 percent premium is added to amounts paid in shares of
restricted common stock. The terms of the annual incentive awards are subject
to the Xcel Energy Annual Incentive Plan that is filed as Appendix C to Xcel
Energy’s 2005 Proxy Statement.

Long-Term Awards

The Committee
also approved target long-term incentive grants, effective Jan. 1, 2007,
pursuant to the Xcel Energy 2005 Omnibus Incentive Plan, which was approved by
shareholders in 2005. As explained below, payout of long-term incentive grants
is dependent on achievement of performance goals set by the Committee.
Long-term incentive grants were made 50 percent in the form of
performance-based restricted stock units and 50 percent in the form of
performance shares. The amounts of the awards for each individual were
established by the Committee and expressed as a percentage of such individual’s
base salary. The actual number of performance-based restricted stock units and
performance shares awarded to an individual were determined by dividing the
dollar value of such percentage of base salary by the expected value of each
award type as determined on Jan. 3, 2007. For Mr. Kelly, his target long-term
award for 2007 was set at 300 percent of his salary. For the other Named
Executive Officers, the percentage ranged from 110 percent to 135 percent.

Performance-based
restricted stock units (“Units”) will represent an equal number of shares of
Xcel Energy common stock. Prior to the expiration of the restricted period, the
Units may not be sold or otherwise transferred by the recipients. Units 

are credited
during the restricted period at the same rate as dividends paid on all other
shares of outstanding common stock. The dividend equivalents are subject to all
terms of the original grant.

Payout of the
Units and the lapsing of restrictions on the transfer of Units are based on two
separate performance criteria. Seventy-five percent of awarded Units plus
associated earned dividend equivalents shall be settled, and the restricted
period will lapse, after Xcel Energy achieves a specified earnings per share
(EPS) growth (adjusted for corporate-owned life insurance) measured against Dec.
31, 2006 EPS (adjusted for corporate-owned life insurance). The forms of
performance-based restricted stock unit agreements are filed as Exhibits 10.30
and 10.32 to this Form 10-K.

Additionally,
Xcel Energy’s annual dividend paid on its common stock must remain at $0.89 per
share or greater. EPS growth will be measured annually at the end of each
fiscal year. However, in no event will the restrictions lapse prior to Dec. 31,
2008. If the performance criteria have not been met within four years of the date
of grant, all associated Units shall be forfeited.

The remaining
25 percent of awarded Units plus associated earned dividend equivalents shall
be settled, and the restricted period will lapse, after the average of actual
performance results for the three components of an environmental index
(measured as a percent of target performance) meets or exceeds 100 percent. The
environmental index will be measured annually at the end of each fiscal year.
However, in no event will the restrictions lapse prior to Dec. 31, 2008. If the
performance criteria have not been met within four years of the date of grant,
all associated Units shall be forfeited.

The separate
awards of performance shares also will represent an equal number of shares of
Xcel Energy common stock. Performance shares may not be sold or otherwise
transferred. Payout of the performance share award will be dependent entirely
on a single measure, total shareholder return (TSR). Xcel Energy’s TSR will be
measured over a three-year period. Xcel Energy’s TSR is compared to the TSR of
other companies in the Edison Electric Institute’s Electrics Index as a peer
group. At the end of the three-year period, potential payouts of the
performance shares range from 0 percent to 200 percent, depending on Xcel Energy’s
TSR compared to the peer group.

The terms of
the foregoing grants are consistent with the 2005 Omnibus Incentive Plan and
terms of award agreements filed as Appendix B to Xcel Energy’s 2005 Proxy
Statement and Exhibits 10.30, 10.31 and 10.32 to this Form 10-K. 

The following table shows the number of
performance-based restricted stock units and performance shares granted,
effective Jan. 1, 2007, to Named Executive Officers: 

	
  Named Executive Officer

  	
   

  	
   

  	
   

  	
  Performance-based

  Restricted Stock Units

  	
   

  	
  Performance Shares

  	
   

  
	
  Richard C.
  Kelly

  	
   

  	
   

  	
  86,478

  	
   

  	
   

  	
  95,211

  	
   

  
	
  Gary R.
  Johnson

  	
   

  	
   

  	
  11,819

  	
   

  	
   

  	
  13,012

  	
   

  
	
  Paul J.
  Bonavia

  	
   

  	
   

  	
  18,927

  	
   

  	
   

  	
  20,838

  	
   

  
	
  Patricia K.
  Vincent

  	
   

  	
   

  	
  11,242

  	
   

  	
   

  	
  12,377

  	
   

  
	
  Benjamin G.S. Fowke III

  	
   

  	
   

  	
  18,927

  	
   

  	
   

  	
  20,838

  	
   

  

 

Other Perquisites and Benefits

Other
perquisites and benefits provided to executives generally are not tied to the
Company’s financial performance, but are primarily designed to attract and
retain executives. Among the perquisites and benefits provided by the Company
in 2006 to its executives are  Company-paid
life insurance in an amount equal to four times base pay, reduced to two times
base salary post retirement (which, in general, the executives can purchase
upon termination by repaying to the Company the greater of the cash surrender
value or the aggregate premiums paid by the Company), and benefits provided
under the Xcel Energy Inc. Nonqualified Deferred Compensation Plan and the Xcel
Energy Supplemental Executive Retirement Plan that make up for retirement
benefits that cannot be paid under the Company’s qualified retirement plans due
to Internal Revenue Code limitations and the exclusion of certain elements of
pay from pension-covered earnings. Other perquisites and benefits provided by
the Company in 2006 to its executives include  reimbursement
for financial planning services and home security systems, cash perquisite
allowance, executive medical insurance and physicals, aircraft usage and club
dues. In 2006, the Company undertook a thorough review of perquisites provided
to executive officers. The Company compared the perquisites to those being
offered to executive officers in other companies and evaluated the value the
perquisites provided in attracting and retaining executive officers. Based on
this evaluation the Company substantially changed the perquisites that will be
provided to executive officers, including the Named Executive Officers in 2007.
The Company also evaluated the perquisites offered to the executive officers as
compared to the benefits available to other employees of the Company. Based on
this review, the Company eliminated most perquisites for executive officers.
The Company has increased the cash perquisite allowance to partially offset the
elimination of the perquisites. Effective January 1, 2007, the Committee 

eliminated all
of these executive perquisites other than the cash allowance, which was
increased to $30,000 for the CEO and $25,000 for other NEO’s to partially
offset the elimination of the perquisites.

Certain
executive officers, including four of the Named Executive Officers, may receive
severance benefits in accordance with the Xcel Energy Senior Executive
Severance and Change in Control Policy, which is filed as Exhibits 10.15 and
10.28 to this form 10-K. Mr. Bonavia may receive severance benefits under his
employment agreement, which is filed as Exhibit 10.25 to this Form 10-K.
In October 2006, the Committee amended the 2003 Policy to reduce the separation
benefits payable to an executive officer other than in the event of a change in
control to the following: (i) a lump sum severance benefit equal to one times
my annual salary and target annual incentive; (ii) a lump sum payment equal to
the actuarial equivalent of the additional benefits accrued under the Company’s
retirement plans as the executive officer had continued in employment for one
additional year; (iii) a lump sum payment equal to the additional employer
contributions that the executive officer would have received under the
Company’s savings plans if the executive officer’s employment had continued for
one additional year; and (iv) for a period of one year following termination,
continued medical, dental and life insurance benefits, and perquisite cash
allowance. This change will be effective October 2009.

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