Document:

HOME FEDERAL BANK
                      EMPLOYEE SEVERANCE COMPENSATION PLAN

                                  PLAN PURPOSE

         The purpose of Home Federal Bank Employee Severance Compensation Plan
(the "Plan") is to assure for Home Federal Bank (the "Savings Bank") the
services of the Employees in the event of a Change in Control of Home Federal
Bancorp, Inc. (the "Holding Company") or the Savings Bank. The benefits
contemplated by the Plan recognize the value to the Savings Bank of the services
and contributions of the eligible Employees and the effect upon the Savings Bank
resulting from uncertainties relating to continued employment, reduced employee
benefits, management changes and employee relations that may arise if a Change
in Control occurs or is threatened. The Savings Bank's and the Holding Company's
Boards of Directors believe that it is in the best interests of the Savings Bank
and the Holding Company to provide eligible Employees with such benefits in
order to defray the costs and changes in employee status that could follow a
Change in Control. The Boards of Directors believe that the Plan will also aid
the Savings Bank in attracting and retaining highly qualified individuals who
are essential to its success and that the Plan's assurance of fair treatment of
the Savings Bank's employees will reduce the distractions and other adverse
effects on Employees' performance if a Change in Control occurs or is
threatened.

                                    ARTICLE I

                              ESTABLISHMENT OF PLAN

1.1      Establishment of Plan
         ---------------------

         As of the Effective Date, the Savings Bank hereby establishes a
severance compensation plan to be known as the "Home Federal Bank Employee
Severance Compensation Plan." The purposes of the Plan are as set forth above.

1.2      Applicability of Plan
         ---------------------

         The benefits provided by this Plan shall be available to all Employees,
who, at or after the Effective Date, meet the eligibility requirements of
Article III. The Plan shall not apply to any Employee whose employment was
terminated prior to the Effective Date.

1.3      Contractual Right to Benefits
         -----------------------------

         This Plan establishes and vests in each Participant a contractual right
to the benefits to which each Participant is entitled hereunder, enforceable by
the Participant against the Employer.

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                                   ARTICLE II

                          DEFINITIONS AND CONSTRUCTION

2.1      Definitions
         -----------

         Whenever used in the Plan, the following terms shall have the meanings
set forth below.

         (a)      "Annual Compensation" of a Participant means and includes all
wages, salary, bonus, and incentive compensation (other than stock based
compensation), paid (including accrued amounts) by the Employer as consideration
for the Participant's services during the twelve (12) months ended the date as
of which Annual Compensation is to be determined, which are or would be
includable in the gross income of the Participant receiving the same for federal
income tax purposes.

         (b)      "Bank" means Home Federal Bank or any successor as provided
for in Article VII hereof.

         (c)      "Change in Control," for purposes of determining under the
Plan whether there has been a change in control of the Savings Bank or the
Holding Company, means (1) an event of a nature that results in the acquisition
of control of the Holding Company or the Savings Bank within the meaning of the
Savings and Loan Holding Company Act under 12 U.S.C. Section 1467a and 12 C.F.R.
Part 574 (or any successor statute or regulation) or requires the filing of a
notice with the Federal Deposit Insurance Corporation under 12 U.S.C. Section
1817(j) (or any successor statute or regulation); (2) an event that would be
required to be reported in response to Item 1 of the current report on Form 8-K,
as in effect on the Effective Date, pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934 (the "Exchange Act"); (3) any person (as the
term is used in Sections 13(d) and 14(d) of the Exchange Act) is or becomes the
beneficial owner (as defined in Rule 13d-3 under the Exchange Act) directly or
indirectly of securities of the Holding Company or the Savings Bank representing
25% or more of the combined voting power of the Holding Company's or the Savings
Bank's outstanding securities; (4) individuals who are members of the board of
directors of the Holding Company immediately following the Effective Date or who
are members of the board of directors of the Savings Bank immediately following
the Effective Date (in each case, the "Incumbent Board") cease for any reason to
constitute at least a majority thereof, provided that any person becoming a
director subsequently whose election was approved by a vote of at least
three-quarters of the directors comprising the Incumbent Board, or whose
nomination for election by the Holding Company's or the Savings Bank's
stockholders was approved by the nominating committee serving under an Incumbent
Board, shall be considered a member of the Incumbent Board; or (5) consummation
of a plan of reorganization, merger, consolidation, sale of all or substantially
all of the assets of the Holding Company or a similar transaction in which the
Holding Company is not the resulting entity, or a transaction at the completion
of which the former stockholders of the acquired corporation become the holders
of more than 40% of the outstanding common stock of the Holding Company and the
Holding Company is the resulting entity of such

                                        2
<PAGE>

transaction; provided that the term "Change in Control" shall not include an
acquisition of securities by an employee benefit plan of the Savings Bank or the
Holding Company.

         (d)      "Continuous Employment" means the absence of any interruption
or termination of service as an Employee of the Savings Bank or an affiliate.
Service shall not be considered interrupted in the case of sick leave, military
leave or any other leave of absence approved by the Savings Bank or in the case
of transfers between payroll locations of the Savings Bank or between the
Savings Bank, its Parent, its Subsidiary or its successor.

         (e)      "Effective Date," as to Employees of an Employer, means the
date the Plan is approved by the Board of Directors of the Savings Bank, or such
other date as the Board shall designate in its resolution approving the Plan.

         (f)      "Employee" means an individual employed by the Employer on a
full-time basis, excluding any executive officer of the Employer who is covered
by an employment contract or a change in control severance agreement with the
Employer.

         (g)      "Employer" means the Savings Bank or a Subsidiary or a Parent
which has adopted the Plan pursuant to Article VI hereof.

         (h)      "Expiration Date" means the date fifteen (15) years from the
Effective Date unless earlier terminated pursuant to Section 8.2 or extended
pursuant to Section 8.1.

         (i)      "Holding Company" means Home Federal Bancorp, Inc., the Parent
of the Savings Bank.

         (j)      "Just Cause," with respect to termination of employment, means
an act or acts of personal dishonesty, incompetence, willful misconduct, breach
of fiduciary duty involving personal profit, intentional failure to perform
stated duties, willful violation of any law, rule, or regulation (other than
traffic violations or similar offenses) or final cease-and-desist order. In
determining incompetence, acts or omissions shall be measured against standards
generally prevailing in the financial services industry.

         (k)      "Parent" means any corporation which holds a majority of the
voting power of the outstanding shares of the Savings Bank's common stock.

         (l)      "Participant" means an Employee who meets the eligibility
requirements of Article III.

         (m)      "Payment" means the payment of severance compensation as
provided in Article IV hereof.

         (n)      "Plan" means the Home Federal Bank Employee Severance
Compensation Plan.

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         (o)      "Subsidiary" means any corporation in which the Savings Bank,
directly or indirectly, holds a majority of the voting power of its outstanding
shares of capital stock.

2.2      Applicable Law
         --------------

         To the extent not preempted by the laws of the United States as now or
hereafter in effect, the laws of the State of Idaho shall be the controlling law
in all matters relating to the Plan.

         The Plan neither requires nor establishes an ongoing administrative
system for its effect or operation. Payments under the Plan are precipitated by
a single event, a Change in Control, which event is the sole focus of the Plan.
Consequently, it is intended that the Plan shall not be covered by or be subject
to the Employee Retirement Income Security Act of 1974, as amended ("ERISA").

2.3      Severability
         ------------

         If a provision of this Plan shall be held illegal or invalid, the
illegality or invalidity shall not affect the remaining parts of the Plan, and
the Plan shall be construed and enforced as if the illegal or invalid provision
had not been included.

                                   ARTICLE III

                                   ELIGIBILITY

3.1      Participation
         -------------

         Each Employee who has completed at least one (1) year of Continuous
Employment as of the Effective Date shall become a Participant on the Effective
Date. Thereafter, each Employee shall become a Participant on the day on which
he or she completes one (1) year of Continuous Employment. Notwithstanding the
foregoing, persons who have entered into and continue to be covered by an
employment or change in control severance agreement with the Employer shall not
be entitled to participate in the Plan.

3.2      Duration of Participation
         -------------------------

         A Participant shall cease to be a Participant in the Plan when the
Participant ceases to be an Employee of the Employer unless such Participant is
entitled to a Payment as provided in the Plan. Furthermore, an Employee shall
cease to be a Participant upon entering into an employment or change in control
severance agreement with the Employer. A Participant entitled to receipt of a
Payment shall remain a Participant in this Plan until the full amount of such
Payment has been paid to the Participant.

                                        4
<PAGE>

                                   ARTICLE IV

                                    PAYMENTS

4.1      Right to Payment
         ----------------

         A Participant shall be entitled to receive from his or her respective
Employer a Payment in the amount provided in Section 4.3 if there has been a
Change in Control of the Savings Bank or the Holding Company and if, within one
(1) year thereafter, the Participant's employment by an Employer shall terminate
for any reason specified in Section 4.2, whether the termination is voluntary or
involuntary. A Participant shall not be entitled to a Payment if termination
occurs by reason of death, voluntary retirement, voluntary termination other
than for reasons specified in Section 4.2, total and permanent disability, or
for Just Cause.

4.2      Reasons for Termination
         -----------------------

         Following a Change in Control, a Participant shall be entitled to a
Payment if his or her employment with an Employer is terminated, voluntarily or
involuntarily, within one (1) year following such Change in Control, for any one
or more of the following reasons:

         (a)      The Employer reduces the Participant's base salary or rate of
compensation as in effect immediately prior to the Change in Control, or as the
same may have been increased thereafter.

         (b)      The Employer requires the Participant to change the location
of the Participant's job or office, so that such Participant will be based at a
location more than thirty-five (35) miles from the location of the Participant's
job or office immediately prior to the Change in Control, provided that such new
location is not closer to Participant's home.

         (c)      The Employer materially reduces the benefits and perquisites,
taken as a whole, available to the Participant immediately prior to the Change
in Control; provided, however, that a material reduction on a nondiscriminatory
basis in the benefits and perquisites generally provided to all employees of the
Savings Bank that does not reduce a Participant's Annual Compensation shall not
trigger a Payment.

         (d)      A successor bank or company fails or refuses to assume the
Savings Bank's obligations under this Plan, as required by Article VII.

         (e)      The Savings Bank or any successor company breaches any other
provisions of the Plan.

         (f)      The Employer terminates the employment of a Participant at or
after a Change in Control other than for Just Cause.

                                        5
<PAGE>

4.3      Amount of Payment
         -----------------

         (a)      Each Participant entitled to a Payment under this Plan shall
receive from the Employer a lump sum cash payment equal to:

           Participant's                      Amount of Monthly Compensation
   Years of Continuous Employment          Payment to be Paid to the Participant
   ------------------------------          -------------------------------------
       0 to 1 year of service                  0
       Over 1 year to 2 years                  3 months
       Over 2 years to 3 years                 6 months
       Over 3 years                            6 months plus one month for each
                                               year of Continuous Employment
                                               over three years

         For purposes of this Section 4.3(a): (i) the Participant's years of
service (including partial years rounded up to the nearest full month) are
computed from the Employee's date of hire through the date of termination and
(ii) "Monthly Compensation" of a Participant means such Participant's Annual
Compensation divided by twelve (12).

         Notwithstanding anything herein to the contrary, the following rules
shall apply to the determination of any Payment due a Participant under this
Plan: (i) a Participant entitled to a Payment under this Plan who was an officer
of the Savings Bank immediately prior to the effective date of a Change in
Control shall receive a minimum Payment equal to one (1) times the Participant's
Annual Compensation; (ii) a Participant entitled to a Payment under this Plan
who was a middle manager immediately prior to the effective date of a Change in
Control shall receive a minimum Payment equal to one-half (1/2) the
Participant's Annual Compensation; and (iii) the maximum Payment to any
Participant under the Plan shall not exceed one and one-half (1-1/2) times the
Participant's Annual Compensation. For purposes of this Section 4.3, "middle
manager" shall mean a Participant who, immediately prior to the effective date
of a Change in Control, was employed in a supervisory capacity but was not also
an officer of the Savings Bank.

         (b)      Notwithstanding the provisions of (a) above, if a Payment to a
Participant who is a "disqualified individual" shall be in an amount which
includes an "excess parachute payment," the payment hereunder to that
Participant shall be reduced to the maximum amount which does not include an
"excess parachute payment." The terms "disqualified individual" and "excess
parachute payment" shall have the same meaning as defined in Section 280G of the
Internal Revenue Code of 1986, as amended, or any successor section of similar
import.

         The Participant shall not be required to mitigate damages on the amount
of the Payment by seeking other employment or otherwise, nor shall the amount of
such Payment be reduced by any

                                        6
<PAGE>

compensation earned by the Participant as a result of employment after
termination of employment with an Employer.

4.4      Time of Payment
         ---------------

         The Payment to which a Participant is entitled shall be paid to the
Participant by the Employer or the successor to the Employer, in cash and in
full, not later than twenty-five (25) business days after the termination of the
Participant's employment. If any Participant should die after termination of
employment but before all amounts have been paid, such unpaid amounts shall be
paid to the Participant's surviving spouse, or if none, to the Participant's
named beneficiary, if living, otherwise to the personal representative on behalf
of or for the benefit of the Participant's estate.

                                    ARTICLE V

                     OTHER RIGHTS AND BENEFITS NOT AFFECTED

5.1      Other Benefits
         --------------

         Neither the provisions of the Plan nor the Payment provided for
hereunder shall reduce any amounts otherwise payable, or in any way diminish the
Participant's rights as an Employee of the Employer, whether existing now or
hereafter, under any benefit, incentive, retirement, stock option, stock bonus,
stock ownership or any employment agreement or other plan or arrangement.

5.2      Employment Status
         -----------------

         This Plan does not constitute a contract of employment or impose on the
Participant or the Participant's Employer any obligation to retain the
Participant as an Employee, to change the status of the Participant's
employment, or to change the Employer's policies regarding termination of
employment.

                                   ARTICLE VI

                             PARTICIPATING EMPLOYERS

         Upon approval by the Board of Directors of the Savings Bank, this Plan
may be adopted by any Subsidiary or Parent of the Savings Bank. Upon such
adoption, the Subsidiary or Parent shall become an Employer hereunder and the
provisions of the Plan shall be fully applicable to the Employees of that
Subsidiary or Parent.

                                        7
<PAGE>

                                   ARTICLE VII

                          SUCCESSOR TO THE SAVINGS BANK

         The Savings Bank shall require any successor to or assignee of, whether
direct or indirect, by purchase, merger, consolidation or otherwise, all or
substantially all the business or assets of the Savings Bank, expressly and
unconditionally to assume and agree to perform the Savings Bank's obligations
under the Plan.

                                  ARTICLE VIII

                       DURATION, AMENDMENT AND TERMINATION

8.1      Duration
         --------

         If a Change in Control has not occurred, the Plan shall expire fifteen
(15) years from the Effective Date, unless sooner terminated as provided in
Section 8.2, or unless extended for an additional period or periods by
resolution adopted by the Board of Directors of the Savings Bank.

         Notwithstanding the foregoing, if a Change in Control occurs, the Plan
shall continue in full force and effect, and shall not terminate or expire until
such date as all Participants who become entitled to Payments hereunder shall
have received such Payments in full.

8.2      Amendment and Termination
         -------------------------

         The Plan may be terminated or amended in any respect by resolution
adopted by a majority of the Board of Directors of the Savings Bank, unless (i)
a Change in Control has previously occurred, (ii) the Savings Bank shall have in
the previous year received an offer, which was not subsequently withdrawn, from
a third party to engage in a transaction which would involve a Change in Control
or (iii) a third party shall have disclosed in a filing with the Securities and
Exchange Commission ("SEC") its intent to engage in a transaction which would
result in a Change in Control and has not subsequently indicated in another SEC
filing that it no longer had such intention. For so long as any of the events
listed in paragraphs (i), (ii) and (iii) persist, the Plan shall not be subject
to amendment, change, substitution, deletion, revocation or termination in any
respect whatsoever unless any acquiror of the Savings Bank shall agree in
writing to provide benefits to covered employees which are at least as
substantial as those set forth herein if such employees are terminated without
cause within one year of a Change in Control of the Savings Bank.

8.3      Form of Amendment
         -----------------

         The form of any proper amendment or termination of the Plan shall be a
written instrument signed by the duly authorized officer or officers of the
Savings Bank, certifying that the amendment or termination has been approved by
the Board of Directors. A proper amendment of the Plan

                                        8
<PAGE>

automatically shall effect a corresponding amendment to all Participant's rights
hereunder, regardless of whether the Participants receive notice of such action.
A proper termination of the Plan automatically shall effect a termination of all
Participants' rights and benefits hereunder, regardless of whether the
Participants receive notice of such action.

                                   ARTICLE IX

                             LEGAL FEES AND EXPENSES

         9.1    Subject to the notice provision in Section 9.2 hereof, the
Savings Bank shall pay all legal fees, costs of litigation, and other expenses
incurred by each Participant as a result of the Savings Bank's refusal to make
the Payment to which the Participant becomes entitled under this Plan, or as a
result of the Savings Bank's unsuccessfully contesting the validity,
enforceability or interpretation of the Plan.

         9.2    A Participant must provide the Savings Bank with 10 (ten)
business days notice of a complaint of entitlement under the Plan before the
Savings Bank shall be liable for the payment of any legal fees, costs of
litigation or other expenses referred to in Section 9.1 hereof.

                                    ARTICLE X

                                   ARBITRATION

         Any dispute or controversy arising under or in connection with the Plan
shall be settled exclusively by arbitration, conducted before a panel of three
arbitrators sitting in a location selected by the Participant within fifty (50)
miles from the location of the Savings Bank, in accordance with rules of the
American Arbitration Association then in effect. Judgment may be entered on the
award of the arbitrator in any court having jurisdiction.

                                       9
<PAGE>

         Having been adopted by its Board of Directors on _________, 200_, the
Plan is executed by its duly authorized officers as of the ___ day of _______,
200_.

Attest                                      HOME FEDERAL BANK

__________________________________          By _________________________________
Secretary                                      President and Chief Executive
                                               Officer

         Having been adopted by its Board of Directors on ________, 200_, the
Plan is executed by its duly authorized officers this ____ day of _______, 200_.

Attest                                      HOME FEDERAL BANCORP, INC.

__________________________________          ____________________________________
Secretary                                   President and Chief Executive
                                            Officer

                                       10HOME FEDERAL SAVINGS & LOAN ASSOCIATION
                      DIRECTOR INDEXED RETIREMENT AGREEMENT

         THIS AGREEMENT is made this _________ day of _________________ 200_, by
and between HOME FEDERAL SAVINGS & LOAN ASSOCIATION, a federal mutual savings
and loan located in Nampa, Idaho (the "Company"), and ______________________
(the "Director").

                                  INTRODUCTION

         To attract, retain and reward quality directors and to provide a
potentially higher level of retirement income, the Company is willing to provide
the Director with this Director Indexed Retirement Agreement. The Company will
pay the benefits from its general assets.

                                    AGREEMENT

         The Director and the Company agree as follows:

                                    Article 1
                                   Definitions

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

         1.1      "Adjustment Rate" shall mean the figure equal to one minus the
Company's highest marginal tax rate for the current calendar year.

         1.2      "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.

         1.3      "Normal Retirement Age" means the Director's 72nd birthday.

         1.4      "Normal Retirement Date" means the later of the Normal
Retirement Age or Termination of Service.

         1.5      "Plan Year" means each fiscal year from October 1 through
September 30. In the year of implementation, it shall commence with the
effective date of this Agreement and end September 30, 2001.

         1.6      "Retirement Account" means the account maintained on the books
of the Company as described in Section 2.2.

         1.7      "Simulated Investments" mean investments specified by the
Company for use in measuring the Retirement Benefit. Subject to Article 2, the
Company can change the Simulated

<PAGE>

Investments only with the Director's written agreement. The Simulated
Investments shall be of equal initial amounts.

         1.8      "Simulated Investment Earnings" means the after-tax rate of
return on a Simulated Investment. If the Simulated Investment is a life
insurance policy, the Simulated Investment Earnings shall track cash surrender
value and not include receipt of the policy's death benefit.

         1.9      "Termination of Service" means the Director ceases to be a
member of the Company's Board of Directors for any reason whatsoever other than
death.

         1.10     "Years of Service" means the number of years the Director has
served as a member of the Company's Board of Directors.

                                    Article 2
                               Retirement Account

         2.1      Simulated Investments. The Company shall establish two
Simulated Investments in the amount of $_________ as of ________, 200__, as
follows:

                  2.1.1    Simulated Investment Number One shall track the cash
         surrender value of a specified life insurance policy(s) as described in
         Appendix A.

                  2.1.2    Simulated Investment Number Two shall track the value
         of a simulated investment account comprised of both principal and
         accumulated net after-tax interest earnings. Pre-tax interest earnings
         shall be based on the lowest yield on the one-year constant maturity
         for Treasuries (referred to as the CMT Index) as of September 1 during
         each Plan Year. This rate may be adjusted periodically as determined by
         the Board. Simulated Investment Number Two assumes the income tax rate
         to be the Company's highest marginal tax rate for the current fiscal
         year, and assumes that interest (net of tax) shall be compounded on an
         annual basis at the end of each Plan Year.

         2.2      Retirement Account. The Company shall establish a Retirement
Account on its books for the Director. The Retirement Account balance during the
pre-termination period is determined by subtracting the value of Simulated
Investment Number Two from the value of Simulated Investment Number One and
dividing the difference by the Adjustment Rate. The Retirement Account
subsequent to the Termination Date is reduced by payments of the Primary Normal
Retirement Benefit under Section 3.1.1.

         2.3      Statement of Accounts. The Company shall provide to the
Director, within 60 days after each Plan Year, a statement setting forth the
Retirement Account balance.

         2.4      Accounting Device Only. The Retirement Account and Simulated
Investments are solely devices for measuring amounts to be paid under this
Agreement. They are not a trust fund of any kind. The Director 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 Director's rights
are not

                                        2
<PAGE>

subject in any manner to anticipation, alienation, transfer, assignment, pledge,
encumbrance, attachment, or garnishment by the Director's creditors.

                                    Article 3
                                Normal Retirement

         3.1      Normal Retirement Benefit. Subject to the general limitations
of Article 8, upon reaching the Normal Retirement Date while a member of the
Company's Board of Directors, the Director shall be entitled to both the primary
and secondary benefits described in Sections 3.1.1 and 3.1.2.

                  3.1.1    Primary Normal Retirement Benefit. Commencing on the
         Director's Normal Retirement Date, the Company shall pay a Primary
         Normal Retirement Benefit to the Director which is equal to the
         Director's Retirement Account balance as of the Plan Year ending
         immediately preceding the Director's Normal Retirement Date. The
         Primary Normal Retirement Benefit shall be paid over 10 years in 120
         equal monthly installments (without adjustment for interest earnings
         during the payment period), commencing on the first day of the month
         following the Director's Termination of Service.

                  3.1.2    Secondary Normal Retirement Benefit. Within 60 days
         following the end of the Plan Year following the Director's Normal
         Retirement Date, and continuing until the Director's death, the Company
         shall pay a Secondary Normal Retirement Benefit to the Director. The
         Secondary Normal Retirement Benefit shall be paid annually in an amount
         calculated as follows:

     After-tax earnings for the Plan Year on Simulated Investment Number One
                                    minus the
  After-tax interest earnings for the Plan Year on Simulated Investment Number
                               two divided by the
                                Adjustment Rate.

         Earnings on Simulated Investment Number One will be equal to the
         increase in the cash surrender value of the life insurance policy
         described in Appendix A increased by any loans or withdrawals from the
         policy during the Plan Year and reduced by any premium payments during
         the Plan Year. For purposes of calculating the after-tax earnings on
         Simulated Investment Number One, the income tax rate is assumed to be
         0% and that earnings are compounded on an annual basis at the end of
         each Plan Year. Interest earnings on Simulated Investment Number Two
         shall be determined pursuant to the method set forth in Section 2.1
         hereof.

                                    Article 4
                          Early Termination of Service

         Upon Termination of Service which does not result from Early
Retirement, Disability or Change of Control, and is prior to the Normal
Retirement Age, the Company shall pay to the Director the amount currently
accrued for the Primary Normal Retirement Benefit described in

                                        3
<PAGE>

Section 3.1.1 at Termination of Service. Payment of the Primary Normal
Retirement Benefit shall be based on the Director's Retirement Account balance
as of the end of the Plan Year immediately preceding the Director's Termination
of Service. The benefit shall be paid over 10 years in 120 equal monthly
installments (without adjustment for interest earnings during the payout
period), commencing on the first day of the month following the Director's
Termination of Service. If the Director has completed 10 Years of Service, the
Director shall also receive the amount of the Secondary Normal Retirement
Benefit described in 3.1.2. Payment of the Secondary Normal Retirement Benefit
shall be calculated in accordance with Section 3.1.2 and shall be paid annually,
continuing for 10 years (without adjustment for interest earnings during the
payout period). The Secondary Normal Retirement Benefit shall commence on the
first day of the month following the Director's Normal Retirement Age.

                                    Article 5
                                Early Retirement

         Upon retirement after completing 10 Years of Service, the Company shall
pay to the Director the amount currently accrued for the Primary Normal
Retirement Benefit described in Section 3.1.1, and the amount of the Secondary
Normal Retirement Benefit described in 3.1.2. Payment of the Primary Normal
Retirement Benefit shall be based on the Director's Retirement Account balance
as of the end of the Plan Year immediately preceding the Director's Termination
of Service. The benefit shall be paid over 10 years in 120 equal monthly
installments (without adjustment for interest earnings during the payout
period), commencing on the first day of the month following the Director's
Normal Retirement Age. Payment of the Secondary Normal Retirement Benefit shall
be calculated in accordance with Section 3.1.2 and shall be paid annually,
continuing for 10 years (without adjustment for interest earnings during the
payout period). The Secondary Normal Retirement Benefit shall commence on the
first day of the month following the Director's Normal Retirement Age.

                                    Article 6
                                   Disability

         If the Director terminates service due to Disability prior to Normal
Retirement Age, the Company shall pay to the Director the amount currently
accrued for the Primary Normal Retirement Benefit described in Section 3.1.1,
and the amount of the Secondary Normal Retirement Benefit described in 3.1.2.
Payment of the Primary Normal Retirement Benefit shall be based on the
Director's Retirement Account balance as of the end of the Plan Year immediately
preceding the Director's Termination of Service. The benefit shall be paid over
10 years in 120 equal monthly installments (without adjustment for interest
earnings during the payout period), commencing on the first day of the month
following the Director's Termination of Service. Payment of the Secondary Normal
Retirement Benefit shall be calculated in accordance with Section 3.1.2 and
shall be paid annually, continuing for 10 years (without adjustment for interest
earnings during the payout period). The Secondary Normal Retirement Benefit
shall commence on the first day of the month following the Director's Normal
Retirement Age.

                                        4
<PAGE>

                                    Article 7
                                Change of Control

         If the Director is a member of the Board of Directors of the Company at
the date of a Change of Control, the Company shall pay to the Director the
Primary and Secondary benefits described in Section 3.1.1 and 3.1.2 whether or
not the Director has reached Normal Retirement Age with the Company. The benefit
shall be paid over 10 years in 120 equal monthly installments (without
adjustment for interest earnings during the payout period), commencing on the
first day of the month following the Director's Termination of Service.

                                    Article 8
                                 Death Benefits

         Upon the Director's death prior to termination of this Agreement, the
Company shall pay to the Director's beneficiary a benefit equal to the
Retirement Account balance as of the Plan Year immediately preceding the
Director's death. The Company shall pay the benefit to the beneficiary in a lump
sum within 60 days following the Director's death.

                                    Article 9
                                  Beneficiaries

         9.1      Beneficiary Designations. The Director shall designate a
beneficiary by filing a written designation with the Company. The Director may
revoke or modify the designation at any time by filing a new designation.
However, designations will only be effective if signed by the Director and
accepted by the Company during the Director's lifetime. The Director's
beneficiary designation shall be deemed automatically revoked if the beneficiary
predeceases the Director or if the Director names a spouse as beneficiary and
the marriage is subsequently dissolved. If the Director dies without a valid
beneficiary designation, all payments shall be made to the Director's estate.

         9.2      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 10
                               General Limitations

         Notwithstanding any provision of this Agreement to the contrary, the
Company shall not pay any benefit under this Agreement if the Director commits
suicide within two years after the date of this Agreement, or if the Director
has made any material misstatement of fact on any application for life insurance
purchased by the Company.

                                        5
<PAGE>

                                  Article 11
                          Claims and Review Procedures

         11.1     Claims Procedure. The Company shall notify any person or
entity who claims a right to an interest under this Agreement (the "Claimant")
in writing, within 90 days of Claimant's written application for benefits, of
his or her eligibility or ineligibility for benefits under this 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 this 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 this 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
90 days.

         11.2     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 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 60 days after receipt by 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 verbally 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 60-day period, stating
specifically the basis of its decision, written in a manner 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 60-day period is not
sufficient, the decision may be deferred for up to another 60 days at the
election of the Company, but notice of this deferral shall be given to the
Claimant.

                                   Article 12
                           Amendments and Termination

         Except for rate adjustments by the Board of Directors pursuant to
Section 2.1.2 above, this Agreement may be amended or terminated only by a
written agreement signed by the Company and the Director.

                                   Article 13
                                  Miscellaneous

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

                                       6
<PAGE>

         13.2     No Guarantee of Service. This Agreement is not a contract for
services. It does not give the Director the right to remain in the service of
the Company, nor does it interfere with the shareholder's right to replace the
Director. It also does not require the Director to remain in the service of the
Company nor interfere with the Director's right to terminate service at any
time.

         13.3     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.

         13.4     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.

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

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

         13.7     Unfunded Arrangement. The Director is a general unsecured
creditor 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 Director's life or any other asset held in
connection with this Agreement is a general asset of the Company to which the
Director has no preferred or secured claim.

         13.8     Entire Agreement. This Agreement constitutes the entire
agreement between the Company and the Director as to the subject matter hereof.
No rights are granted to the Director by virtue of this Agreement other than
those specifically set forth herein.

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

                  (a)      Interpreting the provisions of the Agreement;

                  (b)      Establishing and revising the method of accounting
         for the Agreement;

                  (c)      Maintaining a record of benefit payments; and

                  (d)      Establishing rules and prescribing any forms
         necessary or desirable to administer the Agreement.

         13.10    Actions of the Company. All determinations, interpretations,
rules, and decisions of the Company shall be conclusive and binding upon all
persons having or claiming to have any interest or right under this Agreement.

                                       7
<PAGE>

         13.11    Named Fiduciary. The Company shall be the named fiduciary and
plan administrator under this Agreement. The named fiduciary may delegate to
others certain aspects of the management and operation responsibilities of the
plan including the employment of advisors and the delegation of ministerial
duties to qualified individuals.

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

                                            COMPANY:

                                            HOME FEDERAL SAVINGS & LOAN
                                            ASSOCIATION

                                            By _________________________________

                                            Title ______________________________

                                            DIRECTOR:

                                            ____________________________________

                                        8

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