Document:

HOME FEDERAL SAVINGS & LOAN ASSOCIATION
                     EXECUTIVE DEFERRED INCENTIVE AGREEMENT

         THIS AGREEMENT is made this day of _____________, 199___, by and
between HOME FEDERAL SAVINGS & LOAN ASSOCIATION, a federally chartered savings
and loan association located in Nampa, Idaho (the "Company"), and
_______________________ (the "Executive").

                                  INTRODUCTION

         To encourage the Executive to remain an employee of the Company, the
Company is willing to provide to the Executive a deferred incentive opportunity.
The Company will pay the benefits from its general assets.

                                    AGREEMENT

         The Executive and the Company agree as follows:

                                    Article 1
                                   Definitions

         1.1      Definitions. Whenever used in this Agreement, the following
words and phrases shall have the meanings specified:

                  1.1.1    "Change of Control" means the conversion of the
         Company to a savings bank or other stock owned company, followed within
         twelve (12) months by replacement of fifty percent (50%) or more of the
         member of the Company's Board of Directors.

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

                  1.1.3    "Disability" means the Executive's inability to
         perform substantially all normal duties of the Executive's position, as
         determined by the Company's Board of Directors in its sole discretion.
         As a condition to any benefits, the Company may require the Executive
         to submit to such physical or mental evaluations and tests as the Board
         of Directors deems appropriate.

                  1.1.4    "Early Retirement Date" means the Executive attaining
         age 62.

                  1.1.5    "Growth of Net Worth" means the percentage change in
         the Company's net worth ("Net Worth") over a one year period, measured
         on September 30 of each year. For example, deferrals occurring in
         199_/199_ would be credited the Growth Rate of Net Worth determined on
         September 30, 199_ by taking the Company's Net Worth on September 30,
         199_ less the Company's Net Worth on September 30, 199_ divided by the
         September 30, 199_ Net Worth.

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<PAGE>

                  1.1.6    "Normal Retirement Date" means the Executive
         attaining age 65.

                  1.1.7    "Plan Year" means the fiscal year ending on each
         September 30th except that the first plan year shall be a short plan
         year commencing on the effective date of this Agreement and ending on
         September 30, 199_.

                  1.1.8    "Return On Assets" means the Company's after tax net
         income at the end of the most recent fiscal year, adjusted for
         Extraordinary Items, divided by the Company's average assets for the
         fiscal year.

                  1.1.9    "Termination of Employment" means the Executive
         ceasing to be employed by the Company for any reason whatsoever,
         voluntary or involuntary, other than by reason of an approved leave of
         absence.

                                    Article 2
                                    Incentive

         2.1      Incentive Award. The Return On Assets ("ROA") determined as of
December 31 of each plan year shall determine the Executive's Incentive Award
Percentage, in accordance with the following chart:

     If ROA is Greater or Equal to    and Less Than   Incentive Award Percentage
     ------------------------------   --------------  --------------------------
                 0                          1%                   0%
                 1%                         1.039%               6%
                 1.04%                      1.059%               8%
                 1.06%                      1.079%               10%
                 1.08%                      1.099%               12%
                 1.1%                       1.19%                14%
                 1.12%                      1.139%               17%
                 1.14%                      1.159%               20%
                 1.16%                      1.179%               23%
                 1.18%                      1.199%               26%
                 1.2%                       1.219%               29%
                 1.22%                      1.239%               33%
                 1.24%                      1.259%               37%
                 1.26%                      1.279%               40%
                 1.28%                      1.299%               44%
                 1.3%                       -----                48%

In addition to the required association Return on Assets achievement criteria as
illustrated in the above chart, the company must also maintain a stable to
improving Return on Assets measurement trend in relation to the aggregate Return
on Assets reported by a "Peer Group of Institutions". The list of institutions
making up the aggregate Peer Group of Institutions and the criteria to be used
in judging whether or not the standard of a stable to improving trend is met
shall be the sole and absolute discretion of the Company's Board of Directors.
If the stable to

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<PAGE>

improving standards is not met, the Company's Board of Directors may amend the
above grid at their sole discretion.

         2.2      Incentive Award. The Incentive Award is calculated annually by
taking the Executive's base salary for the year in which the ROA was calculated
times the Incentive Award Percentage.

         2.3      Incentive Deferral. On December 31 of each plan year, the
Company shall defer the Incentive Award into the Deferral Account.

         2.4      Hardship. If an unforeseeable financial emergency arising from
the death of a family member, divorce, sickness, injury, catastrophe or similar
event outside the control of the Executive occurs, the Executive, by written
instructions to the Company may petition the Company to distribute Incentive
Deferral Awards under this Agreement, pursuant to Section 4.6.

                                    Article 3
                                Deferral Account

         3.1      Establishing and Crediting. The Company shall establish a
"Deferral Account" on its books for the Executive, and shall credit to the
Deferral Account the following amounts:

                  3.1.1    Deferrals. The Incentive Deferral as determined under
         Article 2.

                  3.1.2    Interest. On September 3oth of each Plan Year prior
         to the payment of any benefits under this Agreement, interest on the
         Deferred Account Balance since the preceding credit under this Section
         3.1.2, if any, at an annual rate, compounded annually, equal to the
         Growth of Net Worth determined as of the end of the most recent
         completed fiscal year.

         3.2      Statement of Accounts. The Company shall provide to the
Executive, by April 1 of each plan year this Agreement is in effect, a statement
setting forth the Deferral Account balance.

         3.3      Accounting Device Only. The Deferral Account is solely a
device for measuring amounts to be paid under this Agreement. The Deferral
Account is not a trust fund of any kind. The Executive is a general unsecured
creditor of the Company for the payment of benefits. The benefits represent the
mere Company promise to pay such benefits. The Executive's rights are not
subject in any manner to anticipation, alienation, sale, transfer, assignment,
pledge, encumbrance, attachment, or garnishment by the Executive's creditors.

                                    Article 4
                                Lifetime Benefits

         4.1      Normal Retirement Benefit. If the Executive terminates
employment on or after the Normal Retirement Date for reasons other than death,
the Company shall pay to the Executive

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<PAGE>

the benefit described in this Section 4.1.

                  4.1.1    Amount of Benefit. The benefit under this Section 4.1
         is the Deferral Account balance determined at the end of the Plan Year
         immediately prior to the Executive's Termination of Employment.

                  4.1.2    Payment of Benefit. The Company shall pay the benefit
         described in Section 4.1.1 to the Executive in 180 equal monthly
         installments commencing on the first day of the month following the
         Executive's Termination of Employment. The Company shall annuitize the
         benefic amount over 180 months crediting interest on the unpaid balance
         of the benefit amount at the annual rate of 7.5%, compounded monthly,
         during the installment period.

         4.2      Early Retirement Benefit. If the Executive terminates
employment after the Early Retirement Date but before the Normal Retirement
Date, and for reasons other than death or Disability, the Company shall pay to
the Executive the benefit described in this Section 4.2.

                  4.2.1    Amount of Benefit. The benefit under this Section 4.2
         is the greater of (a) or (b) as follows:

                  (a) the benefit calculated under Section 4.3.1; or

                  (b) the Deferral Account balance determined at the end of the
Plan Year immediately prior to the Executive's Termination of Employment
multiplied by the applicable percentage from the following table based on the
number of months the Termination of Employment precedes the Normal Retirement
Date:

                       Number of Months              Applicable Percentage
                       ----------------              ---------------------
                          1   to    12                       91.67%
                         13   to    24                       83.33%
                         25   to    36                       75.00%

                  4.2.2    Payment of Benefit. The Company shall pay the benefit
         to the Executive in 180 equal monthly installments commencing on the
         first day of the month following the Executive's Termination of
         Employment. The Company shall annuitize the benefit amount over 180
         months crediting interest on the unpaid balance of the benefit amount
         at the annual rate of 7.5%, compounded monthly, during the installment
         period.

         4.3      Early Termination Benefit. If the Executive terminates
employment before the Early Retirement Date, and for reasons other than death or
Disability, the Company shall pay to the Executive the benefit described in this
Section 4.3.

                  4.3.1    Amount of Benefit. The benefit under this Section 4.3
         is the Deferral Account balance determined at the end of the Plan Year
         immediately prior to the Executive's Termination of Employment
         multiplied by the applicable percentage from the following

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<PAGE>

         table based on the Plan Years completed on the Early Retirement Date:

                             Plan Years            Applicable Percentage
                             ----------            ---------------------
                           Less than 1                       0%
                                    1                       10%
                                    2                       20%
                                    3                       30%
                                    4                       40%
                                    5                       50%
                                    6                       60%
                                    7                       70%
                                    8                       80%
                                    9                       90%
                            10 or more                     100%

                  4.3.2    Payment of Benefit. The Company shall pay the benefit
         amount described in Section 4.3.1 to the Executive in 180 equal monthly
         installments commencing on the first day of the month following the
         Executive's Normal Retirement Agreement. The Company shall annuitize
         the benefit amount over 180 months crediting interest on the unpaid
         balance of the benefit amount at an annual rate of 7.5%, compounded
         monthly, during the installment period.

         4.4      Disability Benefit. If the Executive terminates employment for
Disability prior to the Normal Retirement Date, the Company shall pay to the
Executive the benefit described in this Section 4.4.

                  4.4.1    Amount of Benefit. The benefit under this Section 4.4
         is the Deferral Account balance determined at the end of the Plan Year
         immediately prior to the Executive's Termination of Employment.

                  4.4.2    Payment of Benefit. The Company shall pay the benefit
         to the Executive in 180 equal monthly installments commencing on the
         first day of the month following the Executive's Termination of
         Employment. The Company shall annuitize the benefit amount over 180
         months crediting interest on the unpaid balance of the benefit amount
         at an annual rate of 7.5%, compounded monthly, during the installment
         period.

         4.5      Change of Control Benefit. Upon a Change of Control while the
Executive is in the active service of the Company, the Company shall pay to the
Executive the benefit described in this Section 4.5 in lieu of any other benefit
under this Agreement.

                  4.5.1    Amount of Benefit. The benefit under this Section 4.5
         is the Deferral Account balance determined at the end of the Plan Year
         immediately prior to the date of the Executive's Termination of
         Employment upon a Change of Control.

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<PAGE>

                  4.5.2    The Company shall pay the benefit to the Executive in
         180 equal monthly installments commencing on the first day of the month
         following the Executive's Normal Retirement Age. The Company shall
         annuitize the benefit amount over 180 months crediting interest on the
         unpaid balance of the benefit amount at an annual rate of 7.5%,
         compounded monthly, during the installment period.

         4.6      Hardship Distribution. Upon the Company's determination
(following petition by the Executive) that the Executive has suffered an
unforeseeable financial emergency as described in Section 2.3, the Company shall
distribute to the Executive all or a portion of the Deferral Account balance as
determined by the Company, but in no event shall the distribution be greater
than is necessary to relieve the financial hardship.

                                    Article 5
                                 Death Benefits

         5.1      Death During Active Service. If the Executive dies while in
the active service of the Company, the Company shall pay to the Executive's
beneficiary the benefit described in this Section 5.1.

                  5.1.1    Amount of Benefit. The benefit under Section 5.1 is
         the greater of the Deferral Account balance for the Plan Year ending
         immediately prior to the date of the Executive's death or
         $____________.

                  5.1.2    Payment of Benefit. The Company shall pay the benefit
         to the Executive in 180 monthly installments commencing on the first
         day of the month following the Executive's Death. The Company shall
         annuitize the benefit amount over 180 months crediting interest on the
         unpaid balance of the benefit amount at an annual rate of 7.5%,
         compounded monthly, during the installment period.

         5.2      Death During Benefit Period. If the Executive dies after
benefit payments have commenced under this Agreement but before receiving all
such payments, the Company shall pay the remaining benefits to the Executive's
beneficiary at the same time and in the same amounts they would have been paid
to the Executive had the Executive survived.

                                    Article 6
                                  Beneficiaries

         6.1      Beneficiary Designations. The Executive shall designate a
beneficiary by filing a written designation with the Company. The Executive may
revoke or modify the designation at any time by filing a new designation.
However, designations will only be effective if signed by the Executive and
accepted by the Company during the Executive's lifetime. 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. If the Executive dies without a valid
beneficiary designation, all payments shall be made to the Executive's estate.

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<PAGE>

         6.2      Facility of Payment. If a benefit is payable to a minor, to a
person declared incompetent, or to a person incapable of handling the
disposition of his or her property, the Company may pay such benefit to the
guardian, legal representative or person having the care or custody of such
minor, incompetent person or incapable person. The Company may require proof of
incompetence, minority or guardianship as it may deem appropriate prior to
distribution of the benefit. Such distribution shall completely discharge the
Company from all liability with respect to such benefit.

                                    Article 7
                               General Limitations

         Notwithstanding any provision of this Agreement to the contrary, the
Company shall not pay any benefit under this Agreement:

         7.1      Excess Parachute Payment. To the extent the benefit would
create an excise tax under the parachute payment rules of Section 280G of the
Code.

         7.2      Suicide. If the Executive commits suicide within two years
after the date of this Agreement, or if the Executive has made any material
misstatement of fact on any application for life insurance purchased by the
Company.

                                    Article 8
                          Claims and Review Procedures

         8.1      Claims Procedure. The Company shall notify the Executive, the
Executive's beneficiary, or any other party who claims a right to an interest
under the Agreement (the "Claimant") in writing, within ninety (90) days of his
or her written application for benefits, of his or her eligibility or
ineligibility for benefits under the Agreement. If the Company determines that
the Claimant is not eligible for benefits or full benefits, the notice shall set
forth (1) the specific reasons for such denial, (2) a specific reference to the
provisions of the Agreement on which the denial is based, (3) a description of
any additional information or material necessary for the Claimant to perfect his
or her claim, and a description of why it is needed, and (4) an explanation of
the Agreement's claims review procedure and other appropriate information as to
the steps to be taken if the Claimant wishes to have the claim reviewed. If the
Company determines that there are special circumstances requiring additional
time to make a decision, the Company shall notify the Claimant of the special
circumstances and the date by which a decision is expected to be made, and may
extend the time for up to an additional ninety-day period.

         8.2      Review Procedure. If the Claimant is determined by the Company
not to be eligible for benefits, or if the Claimant believes that he or she is
entitled to greater or different benefits, the Claimant shall have the
opportunity to have such claim reviewed by the Company by filing a petition for
review with the Company within sixty (60) days after receipt of the notice
issued by the Company. Said petition shall state the specific reasons which the
Claimant believes entitle him or her to benefits or to greater or different
benefits. Within sixty (60) days after receipt by

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<PAGE>

the Company of the petition, the Company shall afford the Claimant (and counsel,
if any) an opportunity to present his or her position to the Company orally or
in writing, and the Claimant (or counsel) shall have the right to review the
pertinent documents. The Company shall notify the Claimant of its decision in
writing within the sixty-day period, stating specifically the basis of its
decision, written in a manner calculated to be understood by the Claimant and
the specific provisions of the Agreement on which the decision is based. If,
because of the need for a hearing, the sixty-day period is not sufficient, the
decision may be deferred for up to another sixty-day period at the election of
the Company, but notice of this deferral shall be given to the Claimant.

                                    Article 9
                           Amendments and Termination

         This Agreement may be amended or terminated only by a written agreement
signed by the Company and the Executive except that the Company, in its sole
discretion, may amend or terminate this Agreement at any time if, pursuant to
legislative, judicial or regulatory action, continuation of the Agreement would
(i) cause benefits to be taxable to the Executive prior to actual receipt, or
(ii) result in significant financial penalties or other significantly
detrimental ramifications to the Company (other than the financial impact of
paying the benefits). In the event of any termination, the Executive shall be
treated as if the date of termination of the Agreement were his Termination of
Employment under Section 2.2.

                                   Article 10
                                  Miscellaneous

         10.1     Binding Effect. This Agreement shall bind the Executive and
the Company, and their beneficiaries, survivors, executors, administrators and
transferees.

         10.2     No Guarantee of Employment. This Agreement is not an
employment policy or contract. It does not give the Executive the right to
remain an employee of the Company, nor does it interfere with the Company's
right to discharge the Executive. It also does not require the Executive to
remain an employee nor interfere with the Executive's right to terminate
employment at any time.

         10.3     Non-Transferability. Benefits under this Agreement cannot be
sold, transferred, assigned, pledged, attached or encumbered in any manner.

         10.4     Tax Withholding. The Company shall withhold any taxes that are
required to be withheld from the benefits provided under this Agreement.

         10.5     Applicable Law. The 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 of America.

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<PAGE>

         10.6     Unfunded Arrangement. The Executive and beneficiary are
general unsecured creditors of the Company for the payment of benefits under
this Agreement. The benefits represent the mere promise by the Company to pay
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
is a general asset of the Company to which the Executive and beneficiary have no
preferred or secured claim

         10.7     Reorganization. The Company shall not merge or consolidate
into or with another company, or reorganize, or sell substantially all of its
assets to another company, firm, or person unless such succeeding or continuing
company, firm, or person agrees to assume and discharge the obligations of the
Company under this Agreement. Upon the occurrence of such event, the term
"Company" as used in this Agreement shall be deemed to refer to the successor or
survivor company.

         10.8     Entire Agreement. This Agreement is the entire agreement
between the parties and it contains all of the covenants and agreements between
the Executive and the Company.

         10.9     Administration. The Company shall have powers which are
necessary to administer this Agreement, including but not limited to:

                  10.9.1   Interpreting the provisions of the Agreement;

                  10.9.2   Establishing and revising the method of accounting
         for the Agreement;

                  10.9.3   Maintaining a record of benefit payments;

                  10.9.4   Establishing rules and prescribing any forms
         necessary or desirable to administer the Agreement.

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<PAGE>

         IN WITNESS WHEREOF, the Executive and a duly authorized Company officer
have signed this Agreement.

EXECUTIVE:                               COMPANY:
                                         Home Federal Savings & Loan Association

                                         By
-------------------------------             ------------------------------------
                                         Title
-------------------------------               ----------------------------------
        (print name)

                                       10
<PAGE>

                                 FIRST AMENDMENT
                                     TO THE
                     HOME FEDERAL SAVINGS & LOAN ASSOCIATION
                     EXECUTIVE DEFERRED INCENTIVE AGREEMENT
                             DATED DECEMBER 19, 1997
                                       FOR

                            -------------------------

     THIS AMENDMENT executed on this ________ day of __________________, 200_,
by and between HOME FEDERAL SAVINGS & LOAN ASSOCIATION, a federally-chartered
savings and loan association located in Nampa, Idaho (the "Company"), and
_____________ (the "Executive").

     On _________ __, 199_, the Company and the Executive executed the HOME
FEDERAL SAVINGS & LOAN ASSOCIATION EXECUTIVE DEFERRED INCENTIVE AGREEMENT (the
"Agreement").

     The undersigned hereby amends, in part, said Agreement for the purpose of
updating the 1) Disability definition, 2) Disability payout provision, 3) Death
Benefit payout provision, and 4) Claims and Review Procedures. Therefore,

     Section 1.1.3 of the Agreement shall be deleted in its entirety and
replaced by the new Section 1.1.3 as follows:

         1.1.3    "Disability" means the Executive's suffering a sickness,
accident or injury which has been determined by the 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 Company of the
carrier's or Social Security Administration's determination upon the request of
the Company.

     Section 4.4.2 of the Agreement shall be deleted in its entirety and
replaced by the new Section 4.4.2 as follows:

         4.4.2    Payment of Benefit. The Company shall pay the benefit to the
Executive in 180 equal monthly installments commencing on the first day of the
month following the Executive's Normal Retirement Age. The Company shall credit
interest at an annual rate of 7.5 percent, compounded monthly, on the remaining
account balance during any applicable installment period.

     Section 5.1 of the Agreement shall be deleted in its entirety and replaced
by the new Section 5.1 as follows:

         5.1      Death During Active Service or After Determination of
Disability. If the Executive dies while in the active service of the Company or
after meeting the definition of Disability found in Section 1.1.3, the Company
shall pay to the Executive's beneficiary the benefit described in this Section
5.1.

<PAGE>

     Article 8 of the Agreement shall be deleted in its entirety and replaced by
the new Article 8 as follows:

         8.1      Claims Procedure. An Executive or beneficiary ("claimant") who
has not received benefits under the Agreement that he or she believes should be
paid shall make a claim for such benefits as follows:

                  8.1.1    Initiation - Written Claim. The claimant initiates a
         claim by submitting to the Company a written claim for the benefits.

                  8.1.2    Timing of Company Response. The Company shall respond
         to such claimant within 90 days after receiving the claim. If the
         Company determines that special circumstances require additional time
         for processing the claim, the Company can extend the response period by
         an additional 90 days by notifying the claimant in writing, prior to
         the end of the initial 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 Company expects to render its
         decision.

                  8.1.3    Notice of Decision. If the Company denies part or all
         of the claim, the Company shall notify the claimant in writing of such
         denial. The Company 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
                  the 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 the 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.

         8.2      Review Procedure. If the Company denies part or all of the
claim, the claimant shall have the opportunity for a full and fair review by the
Company of the denial, as follows:

                  8.2.1    Initiation - Written Request. To initiate the review,
         the claimant, within 60 days after receiving the Company's notice of
         denial, must file with the Company a written request for review.

<PAGE>

                  8.2.2    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
         Company 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.

                  8.2.3    Considerations on Review. In considering the review,
         the Company 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.

                  8.2.4    Timing of Company Response. The Company shall respond
         in writing to such claimant within 60 days after receiving the request
         for review. If the Company determines that special circumstances
         require additional time for processing the claim, the Company can
         extend the response period by an additional 60 days by notifying the
         claimant in writing, prior to the end of the initial 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 Company
         expects to render its decision.

                  8.2.5    Notice of Decision. The Company shall notify the
         claimant in writing of its decision on review. The Company 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
                  the 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).

<PAGE>

     IN WITNESS OF THE ABOVE, the Executive and the Company have agreed to this
First Amendment.

EXECUTIVE:                               COMPANY:

                                         HOME FEDERAL SAVINGS & LOAN
                                         ASSOCIATION

                                         By
-------------------------------            ----------------------------------

                                         Its
                                            ---------------------------------HOME FEDERAL SAVINGS & LOAN ASSOCIATION
                               AMENDED & RESTATED
                          SALARY CONTINUATION AGREEMENT

         THIS SALARY CONTINUATION AGREEMENT (the "Agreement") is adopted this
________ day of _______________, 200__, by and between HOME FEDERAL SAVINGS &
LOAN ASSOCIATION, a nationally-chartered savings and loan association located in
Nampa, Idaho (the "Company"), and __________________ (the "Executive").

         On ___________ ___, 199_, the Company and the Executive entered into
the Home Federal Savings & Loan Association Salary Continuation Agreement (the
"Prior Agreement"). This Agreement amends and restates the Prior Agreement, and
any amendments thereto, in its entirety.

         The purpose of this Agreement is to provide specified benefits to the
Executive, a member of a select group of management or highly compensated
employees who contribute materially to the continued growth, development and
future business success of the Company. This Agreement shall be unfunded for tax
purposes and for purposes of Title I of the Employee Retirement Income Security
Act of 1974 ("ERISA"), as amended from time to time. The Company will pay the
benefits from its general assets.

         The Company and the Executive agree as provided herein.

                                    Article 1
                                   Definitions

         Whenever used in this Agreement, the following words and phrases shall
have the meanings specified:

1.1      "Accrual Balance" means the amount shown as such on Schedule A, which
         generally represents a liability for the Company's obligation to the
         Executive under this Agreement, applying Accounting Practices Board
         ("APB") Opinion 12 as amended by Financial Accounting Standard ("FAS")
         106 and the Discount Rate. The Accrual Balance shall be reported
         annually by the Company to the Executive on Schedule A, and may be
         different than any actual liability shown by the Company on its audited
         financial statements.

1.2      "Beneficiary" means each designated person, or the estate of the
         deceased Executive, entitled to benefits, if any, upon the death of the
         Executive determined pursuant to Article 5.

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.

<PAGE>

1.4      "Change of Control" means conversion of the Company to a savings bank
         or other stock owned company, followed within twelve (12) months by
         replacement of fifty percent (50%) or more of the members of the
         Company's Board of Directors.

1.5      "Change of Control Benefit" means the benefit described in Section 2.4.

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

1.7      "Deferral Account" means the Company's accounting of the Executive's
         accumulated Deferrals, plus accrued interest.

1.8      "Deferrals" means _______________________ Dollars ($____) of the
         Executive's compensation which, by signing this Agreement, the
         Executive elects to defer annually.

1.9      "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.

1.10     "Disability Benefit" means the benefit described in Section 2.3.

1.11     "Discount Rate" means, solely for purposes of this Agreement, 7.50%.

1.12     "Early Retirement" means the Termination of Employment before Normal
         Retirement Age for reasons other than death, Disability, Termination
         for Cause or following a Change of Control.

1.13     "Early Retirement Benefit" means the benefit described in Section 2.2.

1.14     "Early Retirement Date" means the month, day and year in which Early
         Retirement occurs.

1.15     "Effective Date" means ___________ ___, 199_.

1.16     "Final Salary" means the average of the Executive's final thirty-six
         (36) months of base salary.

1.17     "Normal Retirement Age" means the Executive's sixty-fifth (65th)
         birthday.

1.18     "Normal Retirement Benefit" means the benefit described in Section 2.1.

                                       2
<PAGE>

1.19     "Normal Retirement Date" means the later of the Normal Retirement Age
         or Termination of Employment.

1.20     "Plan Administrator" means the plan administrator described in Article
         9.

1.21     "Plan Year" means the twelve-month period ending on September 30 for
         years 200_ and beyond, or December 31 for prior years. The initial Plan
         Year shall commence on the Effective Date.

1.22     "Projected Benefit" means the Normal Retirement Benefit the Executive
         would have received under Section 2.1.1(a) 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     "Schedule A" means the benefit description form attached to this
         Agreement, which is updated by the Plan Administrator on an annual
         basis. If there is a conflict in any terms or provisions between the
         Schedule A and this Agreement, the terms and provisions of this
         Agreement shall prevail.

1.24     "Termination of Employment" means that the Executive ceases to be
         employed by the Company for any reason, voluntary or involuntary, other
         than by reason of a leave of absence approved by the Company.

1.25     "Vested Accrual Balance" means the following vesting schedule applied
         to the Accrual Balance:

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

                                    Article 2
                            Benefits During Lifetime

2.1      Normal Retirement Benefit. Upon Termination of Employment on or after
         the Normal Retirement Age for reasons other than death, the Company
         shall pay to the Executive the benefit described in this Section 2.1 in
         lieu of any other benefit under this Article.

                                       3
<PAGE>

         2.1.1    Amount of Benefit. The Normal Retirement Benefit under this
                  Section 2.1 is the sum of:

                  (a)      Fifty percent (50%) of Final Salary; and

                  (b)      The Deferral Account balance.

         2.1.2    Payment of Benefit. The Company shall pay the Normal
                  Retirement Benefit determined under Section 2.1.1(a) to the
                  Executive in one hundred eighty (180) consecutive equal
                  installments commencing on the first day of the month
                  following the Executive's Normal Retirement Date. The Company
                  shall pay the Deferral Account balance determined under
                  Section 2.1.1(b) to the Executive in a lump sum within ninety
                  (90) days following the Executive's Termination of Employment.

2.2      Early Retirement Benefit. Upon Early Retirement, the Company shall pay
         to the Executive the benefit described in this Section 2.2 in lieu of
         any other benefit under this Article.

         2.2.1    Amount of Benefit. The Early Retirement Benefit under this
                  Section 2.2 is the sum of:

                  (a)      The Vested Accrual Balance as of the end of the month
                           prior to the Early Retirement Date; and

                  (b)      The Deferral Account balance.

         2.2.2    Payment of Benefit. The Company shall pay the Early Retirement
                  Benefit determined under Section 2.2.1(a) to the Executive in
                  one hundred eighty (180) consecutive equal installments,
                  crediting interest equal to the Discount Rate compounded
                  monthly on the unpaid Vested Accrual Balance, commencing with
                  the first of the month following the first to occur of (i) the
                  Executive's Normal Retirement Age or (ii) the onset of the
                  Executive's Disability. The Company shall pay the benefit
                  determined under Section 2.2.1(b) to the Executive in a lump
                  sum within ninety (90) days following the Executive's
                  Termination of Employment.

2.3      Disability Benefit. Upon Termination of Employment due to Disability
         prior to Normal Retirement Age, the Company shall pay 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 the sum of:

                  (a)      One hundred percent (100%) of the Accrual Balance as
                           of the end of the month prior to Termination of
                           Employment due to Disability; and

                                       4
<PAGE>

                  (b)      The Deferral Account balance.

         2.3.2    Payment of Benefit. The Company shall pay the Disability
                  Benefit determined under Section 2.3.2(a) to the Executive in
                  one hundred eighty (180) consecutive equal installments,
                  crediting interest equal to the Discount Rate compounded
                  monthly on the unpaid Accrual Balance, commencing with the
                  first of the month following the Executive's Normal Retirement
                  Age. The Company shall pay the Deferral Account balance
                  determined under Section 2.3.2(b) to the Executive in a lump
                  sum within ninety (90) days following the Executive's
                  Termination of Employment.

2.4      Change of Control Benefit. Upon a Change of Control, the Company shall
         pay to the Executive the benefit described in this Section 2.4 in lieu
         of any other benefit under this Article.

         2.4.1    Amount of Benefit. The Change of Control Benefit under this
                  Section 2.4 is the sum of:

                  (a)      One hundred percent (100%) of the Accrual Balance as
                           of the end of the month prior to the Change of
                           Control Benefit;

                  (b)      The Deferral Account balance; and

                  (c)      2.99 times the Executive's base annual salary as of
                           the Change of Control.

         2.4.2    Payment of Benefit. The Company shall pay the Change of
                  Control Benefit determined under Section 2.4.1(a) to the
                  Executive in one hundred eighty (180) consecutive equal
                  installments, crediting interest equal to the Discount Rate
                  compounded monthly on the unpaid Accrual Balance, commencing
                  with the first of the month following the Executive's Normal
                  Retirement Age. The Company shall pay the benefit determined
                  under Sections 2.4.1(b) and 2.4.1(c) to the Executive in a
                  lump sum within ninety (90) days following the Executive's
                  Termination of Employment.

         2.4.3    Excess Parachute Payment. Notwithstanding any provision of
                  this Agreement to the contrary, to the extent any benefit
                  would create an excise tax under the excess parachute rules of
                  Section 280G of the Code, the Company shall reduce the benefit
                  paid under this Agreement to the extent it would not result in
                  any such excise tax.

                                       5
<PAGE>

                                    Article 3
                                 Death Benefits

3.1      Death During Active Service. If the Executive dies while in the active
         service of the Company, or after meeting the definition of Disability,
         the Company shall pay to the Beneficiary the benefit described in this
         Section 3.1. This benefit shall be paid in lieu of the benefits under
         Article 2, and in lieu of any other benefits under this Article.

         3.1.1    Amount of Benefit. The annual benefit under this Section 3.1
                  is the Projected Benefit, and the Deferral Account balance.

         3.1.2    Payment of Benefit. The Company shall pay the annual Project
                  Benefit to the Beneficiary in twelve (12) equal monthly
                  installments commencing with the month following the
                  Executive's death. The annual benefit shall be paid to the
                  Beneficiary for a period of fifteen (15) years. The Company
                  shall pay the Deferral Account balance to the Beneficiary in a
                  lump sum within ninety (90) days following the Executive's
                  death.

3.2      Death During Payment of a Benefit. If the Executive dies after any
         benefit payments have commenced under Article 2 of this Agreement but
         before receiving all such payments, the Company shall pay the remaining
         benefits to the Beneficiary at the same time and in the same amounts
         they would have been paid to the Executive had the Executive survived.

3.3      Death After Termination of Employment But Before Payment of a Benefit
         Commences. If the Executive is entitled to any benefit payments under
         Article 2 of this Agreement, but dies prior to the commencement of said
         benefit payments, the Company shall pay the same benefit payments to
         the Beneficiary that the Executive was entitled to prior to death
         except that the benefit payments shall commence on the first day of the
         month following the date of the Executive's death.

                                    Article 4
                                Deferral Account

4.1      Establishing and Crediting. The Company shall establish a Deferral
         Account on its books for the Executive and shall credit to the Deferral
         Account the following amounts:

         4.1.1    Deferrals.  The annual Deferrals; and

         4.1.2    Interest. At the end of each Plan Year and immediately prior
                  the payment of any benefits hereunder, interest shall be
                  credited on the Deferral Account balance at an annual rate
                  equal to the Wall Street Journal Prime Rate on the first
                  business day of the Plan Year minus one percent (Prime - 1%),
                  compounded annually.

                                       6
<PAGE>

4.2      Accounting Device Only. The Deferral Account is solely a device for
         measuring amounts to be paid under this Agreement. The Deferral Account
         is not a trust fund of any kind. The Executive is a general unsecured
         creditor of the Company for the payment of benefits. The benefits
         represent the mere Company promise to pay such benefits. The
         Executive's rights are not subject in any manner to anticipation,
         alienation, sale, transfer, assignment, pledge, encumbrance,
         attachment, or garnishment by the Executive's creditors.

                                    Article 5
                                  Beneficiaries

5.1      Beneficiary Designation. The Executive shall have the right, at any
         time, to designate a Beneficiary(ies) to receive any benefits payable
         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 designation under any other benefit plan of the Company
         in which the Executive participates.

5.2      Beneficiary Designation: Change. 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.
         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, as in effect from time to time. 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.

5.3      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 designated
         agent.

5.4      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, the benefits
         shall be made to the personal representative of the Executive's estate.

5.5      Facility of Payment. If the Plan Administrator determines in its
         discretion that a benefit is to be paid 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 payment 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

                                       7
<PAGE>

         prior to distribution of the benefit. Any payment of a benefit shall be
         a payment for the account of the Executive and the Executive's
         Beneficiary, as the case may be, and shall be a complete discharge of
         any liability under the Agreement for such payment amount.

                                    Article 6
                               General Limitations

6.1      Suicide or Misstatement. The Company shall not pay any benefit under
         this Agreement if the Executive commits suicide within two years after
         the Effective Date. In addition, the Company shall not pay any benefit
         under this Agreement if the Executive has made any material
         misstatement of fact on any application for life insurance owned by the
         Company on the Executive's life.

                                    Article 7
                          Claims And Review Procedures

7.1      Claims Procedure. An Executive or Beneficiary ("claimant") who has not
         received benefits under the Agreement that he or she believes should be
         paid 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.

         7.1.2    Timing of Plan Administrator Response. The Plan Administrator
                  shall respond to such claimant within 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 90 days by notifying the claimant in writing,
                  prior to the end of the initial 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 the
                  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 the 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

                                       8
<PAGE>

                  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 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 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 60 days by notifying the
                  claimant in writing, prior to the end of the initial 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 the
                  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).

                                       9
<PAGE>

                                    Article 8
                           Amendments and Termination

8.1      Generally. This Agreement may be amended or terminated only by a
         written agreement signed by the Company and the Executive.

8.2      Exceptions. Notwithstanding Section 8.1, the Company's Board of
         Directors may amend or terminate the Agreement at any time if either:

         8.2.1    The Executive does not defer the amounts required to be
                  deferred under Section 4.1; or

         8.2.2    The Company's Board of Directors determines that the Executive
                  is no longer a member of a select group of management or
                  highly compensated employees, as that phrase applies to ERISA,
                  for reasons other than death, Disability or retirement; or

         8.2.3    Pursuant to legislative, judicial or regulatory action,
                  continuation of the Agreement would (i) cause benefits to be
                  taxable to the Executive prior to actual receipt; (ii) result
                  in significant financial penalties or other significantly
                  detrimental ramifications to the Company (other than the
                  financial impact of paying the benefits); or (iii) violate any
                  law or regulation.

8.3        In the event of any such amendment or termination under Section 8.2,
           the Executive shall be one hundred percent (100%) vested in the
           Deferral Account and in the Accrual Balance. The Deferral Account and
           the Accrual Balance shall both be paid to the Executive in a lump sum
           within (30) days of such amendment or termination under Section 8.2.

                                    Article 9
                           Administration of Agreement

9.1      Plan Administrator Duties. This Agreement shall be administered by a
         Plan Administrator which shall consist of the Board, or such committee
         or person(s) as the Board shall appoint. The Executive may be a member
         of the Plan Administrator. The Plan Administrator 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 the
         Agreement.

                                       10
<PAGE>

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

9.3      Binding Effect of Decisions. The decision or action of the Plan
         Administrator with respect to any question arising out of or in
         connection with the administration, interpretation and application of
         the Agreement and the rules and regulations promulgated hereunder shall
         be final and conclusive and binding upon all persons having any
         interest in the Agreement. No Executive or Beneficiary shall be deemed
         to have any right, vested or nonvested, regarding the continued use of
         any previously adopted assumptions, including but not limited to the
         Discount Rate.

9.4      Indemnity of Plan Administrator. The Company shall indemnify and hold
         harmless the members of 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 or any of its
         members.

9.5      Company Information. To enable the Plan Administrator to perform its
         functions, the Company shall supply full and timely information to the
         Plan Administrator on all matters relating to the Executive's Final
         Salary, the date and circumstances of the retirement, Disability,
         death, or Termination of Employment of the Executive, and such other
         pertinent information as the Plan Administrator may reasonably require.

9.6      Annual Statement. The Plan Administrator shall provide to the
         Executive, within ninety (90) days after the end of each Plan Year, a
         statement setting forth the benefits payable under this Agreement.

                                   Article 10
                                  Miscellaneous

10.1     Binding Effect. This Agreement shall bind the Executive and the
         Company, and their beneficiaries, survivors, executors, successors,
         administrators and transferees.

10.2     No Guarantee of Employment. This Agreement is not an employment policy
         or contract. It does not give the Executive the right to remain an
         employee of the Company, nor does it interfere with the Company's right
         to discharge the Executive. It also does not require the Executive to
         remain an employee nor interfere with the Executive's right to
         terminate employment at any time.

10.3     Non-Transferability. Benefits under this Agreement cannot be sold,
         transferred, assigned, pledged, attached or encumbered in any manner.

10.4     Tax Withholding. The Company shall withhold any taxes that, in its
         reasonable judgment, are required to be withheld from the benefits
         provided under this Agreement.

                                       11
<PAGE>

         The Executive acknowledges that the Company's sole liability regarding
         taxes is to forward any amounts withheld to the appropriate taxing
         authority(ies).

10.5     Applicable Law. The 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 of America.

10.6     Unfunded Arrangement. The Executive and Beneficiary are general
         unsecured creditors of the Company for the payment of benefits under
         this Agreement. The benefits represent the mere promise by the Company
         to pay 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 is a general asset of the Company to which the
         Executive and Beneficiary have no preferred or secured claim.

10.7     Reorganization. The Company shall not merge or consolidate into or with
         another company, or reorganize, or sell substantially all of its assets
         to another company, firm, or person unless such succeeding or
         continuing company, firm, or person agrees to assume and discharge the
         obligations of the Company under this Agreement. Upon the occurrence of
         such event, the term "Company" as used in this Agreement shall be
         deemed to refer to the successor or survivor company.

10.8     Entire Agreement. This Agreement constitutes the entire agreement
         between the Company 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.

10.9     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.

10.10    Alternative Action. In the event it shall become impossible for the
         Company or the Plan Administrator to perform any act required by this
         Agreement, the Company or Plan Administrator may in its discretion
         perform such alternative act as most nearly carries out the intent and
         purpose of this Agreement and is in the best interests of the Company.

10.11    Headings. Article and section headings are for convenient reference
         only and shall not control or affect the meaning or construction of any
         of its provisions.

10.12    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 and invalid provision has never been
         inserted herein.

10.13    Notice. Any notice or filing required or permitted to be given to the
         Company or Plan Administrator under this Agreement shall be sufficient
         if in writing and hand-delivered,

                                       12
<PAGE>

         or sent by registered or certified mail, to the address below:

                    -----------------------------------------

                    -----------------------------------------

                    -----------------------------------------

         Such 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 on the
         receipt for registration or certification.

         Any notice or filing required or permitted to be given to the Executive
         under this Agreement shall be sufficient if in writing and
         hand-delivered, or sent by mail, to the last known address of the
         Executive.

         IN WITNESS WHEREOF, the Executive and a duly authorized representative
of the Company have signed this Agreement.

EXECUTIVE:                               COMPANY:

                                         HOME FEDERAL SAVINGS & LOAN ASSOCIATION

                                         By
----------------------------------         -------------------------------------

                                         Title
                                              ----------------------------------

                                       13

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