Document:

Exhibit 4.1

                                   Law Offices
                                       of
                               MICHAEL L. CORRIGAN

                         7770 Regents Rd. Suite 113-401
TELEPHONE (858) 362-1440    San Diego, CA 92122-1967    FACSIMILE (858) 362-1441

                                  June 10, 2004

BGR Corporation
Bradford Miller
7263 E. San Alfredo Drive
Scottsdale, AZ 85258

                              Engagement Agreement

Dear Mr. Miller:

     The  purpose  of  this  letter is to confirm our association as special and
limited  counsel  for  BGR  Corporation,  a Nevada corporation (the "Client") in
connection  with  the securities and other legal work to be performed by Michael
L.  Corrigan  (the  "Attorney")  on an ongoing basis for a period of one year as
requested by you.  Please pardon the formality of this letter but it is intended
to  set  out  the  details  of  our  relationship  as required by the California
Business  and  Professions  Code  section  6148  and  is intended to fulfill the
requirements  of  that section.  The Attorney's services will not include, among
other  areas  of  law,  (i)  litigation  of  any  kind,  whether  in  court,  in
administrative  hearings or before government agencies or arbitration tribunals,
(ii)  any  legal  services  relating  to  the  raising of capital, including the
preparation  of  securities  registration  statements, other securities offering
documents  or  documents relating to stock promotions. I will assist in locating
appropriate  legal  counsel  and  coordinate  any  litigation or capital raising
matters,  at  your  request.  This  letter  agreement (the "Agreement") will set
forth  in  writing,  signed by the Attorney and the Client, my understanding and
agreement  regarding  the scope of my representation. All agreements relating to
fees and responsibilities are contained within the provisions of this Agreement.

     This  Agreement  will  not  take  affect,  and I will have no obligation to
provide legal services, until you return a signed copy of this Agreement and pay
the retainer, if any, called for in Paragraph 3 of this Agreement.

     1.     Scope  and  Duties  of  the  Attorney  and  the  Client.

     You  have  requested,  and  I  have  agreed,  subject  to the terms of this
Agreement,  to  provide  legal  services  in connection with such matters as you
shall  from  time  to time specifically refer to me for legal representation.  I
shall  provide those legal services reasonably required to represent the Client,
and  shall take reasonable steps to keep the Client informed of the progress and
to  respond  to  the  inquiries of the Client.  The Client agrees to be truthful
with  me,  cooperate  with  me,  keep me informed of developments, abide by this
Agreement,  pay  the  bills  on  time,  and  keep  me advised of its address and
telephone  number.  My  engagement will be strictly limited to those matters for
which I am specifically asked to render services, and I do not undertake to, and
shall  have  no  responsibility  for,  advice  with  respect to matters I am not
specifically  asked  to  address.  Nothing  in this Agreement and nothing in the
Attorney's  statements  to  Client  will  be construed as a promise or guarantee
about  the  outcome  of  Client's  matter,  including  registration  of

<PAGE>
the  securities.  The  Attorney  makes  no  such  promises  or  guarantees.  The
Attorney's  comments  about  the  outcome  of Client's matter are expressions of
opinion(s)  only.

     2.     Fees and Costs.

     (a)     As  compensation  for  the services to be performed by the Attorney
pursuant  to  this  Agreement,  the Client agrees to pay fees to the Attorney as
provided  in Exhibit A to this Agreement. The Client and the Attorney will agree
on the scope and cost of the services as they are requested.

     (b)     The  Client  agrees  to  pay  the Attorney, in accordance with this
subparagraph  2(b)  and  in addition to the fees designated in subparagraph 2(a)
herein,  all  costs  and  expenses  incurred  in  performing  legal  services in
connection  with the representation described in this Agreement.  Such costs and
expenses  may  include,  without  limitation,  long  distance  telephone  calls,
messenger  and  other  deliveries,  postage,  charges  for computer research and
outside  assisted  legal  research, expenses such as parking, airfare, meals and
hotel  accommodations  which  shall  be  in  addition  to  the  hourly rates for
photocopying  and  other  reproduction  charges,  clerical  staff overtime, word
processing  charges, charges for computer time, and other similar items.  Except
as  may  be listed on Exhibit A, all such items will be charged to the Client at
the Attorney's cost.  The charges for any items listed on the attached Exhibit A
are  subject  to  periodic  change upon reasonable notice by the Attorney to the
Client.  The  Client  agrees  to pay in advance all costs incurred in connection
with  the  representation described herein, however, as a courtesy, the Attorney
from  time to time will advance some of these minor costs and the Client will be
billed  for  such advances.  The Attorney will attempt to obtain an estimate for
any  major  expenses prior to incurring such an expense so that the Attorney may
clear  such  major  expense  with  the  Client.

     3.     Retainer.

     The  Client  hereby  agrees to deliver, upon execution of this Agreement, a
retainer  in  the  amount provided in Exhibit A to this Agreement. The shares of
common  stock delivered as retainer shall be deposited in the Attorney's account
and  shall  remain  in the account for so long as this Agreement shall remain in
effect.  Upon  termination  of  this  Agreement,  as set forth below, the shares
representing  the  retainer  shall be returned to Client or, if mutually agreed,
applied  against  any  outstanding fees, costs or expenses. This Agreement shall
not become effective until the Attorney has received such retainer.

     4.     Billings.

     The Attorney will send the Client an invoice for fees and costs incurred on
a  quarterly  basis.  Invoices  shall  be  payable upon receipt.  The Attorney's
invoice  shall  clearly state the basis for a charge, including the amount, rate
and  basis  for calculation (or other method of determination) of the Attorney's
costs  and expenses.  The Attorney's invoices shall clearly show the application
of  any  retainer amounts to the payment for the fees and costs incurred, as Ill
as the remaining amount of any retainer deposited with the Attorney.

     5.     Termination of Services.

     The  Client  shall  have  the right at any time to terminate the Attorney's
service  upon written notice to the Attorney, and the Attorney shall immediately
after  receiving  such  notice  cease  to  render  additional  services.  Such
determination  shall  not,  however, relieve Client of the obligation to pay the
fees  due  for  services  rendered  and costs incurred prior to such termination
subject to Exhibit A hereto.  If the Client fails to meet any of its obligations
under  this  Agreement,  the  Attorney  shall  have  the right to terminate this
Agreement, and the Client shall take all steps necessary to free the Attorney of
any  obligation to perform further, including, without limitation, the execution
of  any  documents necessary to complete the Attorney's discharge or withdrawal.
The  right  of the Attorney hereunder is in addition to those created by statute
or recognized by Rules of Professional Conduct.

     In  the  event  it  becomes  necessary  for the Attorney to institute legal
action  to  recover  any  amount

<PAGE>
due pursuant to the terms of this Agreement, the prevailing party in such action
will  be  entitled to reasonable attorney fees and costs incurred in such action
and  enforcement  of  any  judgment.

     6.     Conflicts  of  Interest.

     The  parties  to  this  letter  agreement  acknowledge  that  there  may be
conflicts  of  interest  in  having  the  Attorney  represent any members of the
Client.  To  the  extent  that  certain  agreements and arrangements may be made
among various members of the Client, the Attorney may have conflicts of interest
if  it  represented any such members.  Therefore, the parties hereby acknowledge
and  agree  that  the  Attorney  represents  only  BGR  Corporation and does not
represent  any  other  party,  person or entity.  Furthermore, the Client hereby
acknowledges  that  in  connection with this engagement agreement, the Client is
represented  by  independent  legal  counsel  and  that  the Company has had the
benefit  of  independent  legal  advice.

     7.     Miscellaneous.

     Please  be advised that the Attorney does not maintain Errors and Omissions
insurance or any other professional liability insurance.

     If  you  have  any  questions  with  regard to any matter set forth in this
Agreement,  or  if  you have some different understanding of any portion of this
Agreement,  please  contact  the  undersigned  immediately so that I can discuss
those  items  and  determine  if I will be able to reach an agreement by which I
will  represent  you.

     If  the  foregoing correctly sets forth understanding and agreement, please
date,  sign and return this Agreement in the return envelope, indicating that it
meets  with  your approval.  A copy of this Agreement is enclosed for your file.
I appreciate the confidence you have expressed by asking me to represent you.

Sincerely,

MICHAEL L. CORRIGAN

/s/ Michael L. Corrigan
_________________________________
Michael L. Corrigan
Attorney at Law

THE  UNDERSIGNED HAS READ THE FOREGOING LETTER, APPROVED IT, AND AGREES WITH ALL
OF  ITS  TERMS  AND  CONDITIONS.

Dated:  June 29, 2004
                                   CLIENT

                                   BGR  Corporation

                                   By: /s/ Bradford Miller
                                       ______________________________
                                       Bradford Miller, CEO

<PAGE>
                                    EXHIBIT A

1.     Retainer:    None.

2.     Fees:        In  consideration  of the Attorney providing the Client with
                    professional  services  subsequent  to the execution of this
                    Agreement,  within  5  days  following the execution of this
                    Agreement,  Client  agrees to register, via a Securities Act
                    of  1933  S-8  Registration Statement ("S-8"), eight hundred
                    thousand  (800,000)  shares  of  the  Client's common stock.

                    Client  will  pay  to  the Attorney a total of eight hundred
                    thousand (800,000) non-restricted, freely tradable shares of
                    the  Client's common stock, due within 10 days following the
                    execution  of  this  Agreement.

3.     Costs and Expenses Charged to Client above the Attorney's Cost:

         Photocopying                        $0.20 per copy

         Facsimile (Outgoing)                $0.55 per page

         Other                               at Attorney's Cost

<PAGE>EXHIBIT 10.1

                        Form of Employment Agreement for
          President and Chief Executive Officer with Home Federal Bank

<PAGE>

                              EMPLOYMENT AGREEMENT
                              --------------------

         THIS EMPLOYMENT AGREEMENT (the "Agreement") is made and entered into as
of this _____ day of ________ 2004 by and between Home Federal Bank (the
"Savings Bank"), and Daniel L. Stevens (the "Employee"). References to the
"Company" mean Home Federal Bancorp, Inc.

         WHEREAS, the Employee is currently serving as the President and Chief
Executive Officer of the Savings Bank;

         WHEREAS, the Employee has made and will continue to make a major
contribution to the success of the Savings Bank in the position of President and
Chief Executive Officer;

         WHEREAS, the Board of Directors of the Savings Bank (the "Board of
Directors") recognizes that the possibility of a change in control of the
Savings Bank or the Company may occur and that such possibility, and the
uncertainty and questions which may arise among management, may result in the
departure or distraction of key management to the detriment of the Savings Bank;

         WHEREAS, the Board of Directors believes that it is in the best
interests of the Savings Bank to enter into this Agreement with the Employee in
order to assure continuity of management of the Savings Bank and its
subsidiaries; and

         WHEREAS, the Board of Directors has approved and authorized the
execution of this Agreement with the Employee;

         NOW, THEREFORE, in consideration of the foregoing and of the respective
covenants and agreements of the parties herein, it is AGREED as follows:

         1. Definitions.
            -----------

                  (a)   "Change in Control" means (i) any "person," as such term
is used in Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as
amended (the "Exchange Act") (other than the Company, any Consolidated
Subsidiaries (as hereinafter defined), any person (as hereinabove defined)
acting on behalf of the Company as underwriter pursuant to an offering who is
temporarily holding securities in connection with such offering, any trustee or
other fiduciary holding securities under an employee benefit plan of the
Company, or any corporation owned, directly or indirectly, by the stockholders
of the Company in substantially the same proportions as their ownership of stock
of the Company), is or becomes the "beneficial owner" (as defined in Rule 13d-3
under the Exchange Act), directly or indirectly, of securities of the Company
representing 25% or more of the combined voting power of the Company's then
outstanding securities; (ii) individuals who are members of the Board on the
Effective Date (the "Incumbent Board") cease for any reason to constitute at
least a majority thereof, provided that any person becoming a director
subsequent to
<PAGE>

the Effective Date 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 Company's stockholders was approved by the
nominating committee serving under an Incumbent Board or who was appointed as a
result of a change at the direction of the Office of Thrift Supervision ("OTS")
or the Federal Deposit Insurance Corporation ("FDIC"), shall be considered a
member of the Incumbent Board; (iii) the stockholders of the Company approve a
merger or consolidation of the Company with any other corporation, other than
(1) a merger or consolidation which would result in the voting securities of the
Company outstanding immediately prior thereto continuing to represent (either by
remaining outstanding or by being converted into voting securities of the
surviving entity) more than 50% of the combined voting power of the voting
securities of the Company or such surviving entity outstanding immediately after
such merger or consolidation or (2) a merger or consolidation effected to
implement a recapitalization of the Company (or similar transaction) in which no
person (as hereinabove defined) acquires more than 25% of the combined voting
power of the Company's then outstanding securities; or (iv) the stockholders of
the Company approve a plan of complete liquidation of the Company or an
agreement for the sale or disposition by the Company of all or substantially all
of the Company's assets (or any transaction having a similar effect); 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 Company or a change in
the composition of the Board at the direction of the OTS or the FDIC.
Notwithstanding the foregoing, a "Change in Control" shall not be deemed to have
occurred in the event of a conversion of the Company's mutual holding company to
stock form or in connection with any reorganization or action used to effect
such conversion.

                  (b)   The term "Consolidated Subsidiaries" means any
subsidiary or subsidiaries of the Company (or its successors) that are part of
the affiliated group (as defined in Section 1504 of the Internal Revenue Code of
1986, as amended (the "Code"), without regard to subsection (b) thereof) that
includes the Savings Bank, including but not limited to the Company.

                  (c)   The term "Date of Termination" means the date upon which
the Employee's employment with the Savings Bank ceases, as specified in a notice
of termination pursuant to Section 8 of this Agreement or the date a succession
becomes effective under Section 10.

                  (d)   The term "Effective Date" means the date of this
Agreement.

                  (e)   The term "Involuntary Termination" means the termination
of the employment of Employee (i) by the Savings Bank without the Employee's
express written consent; or (ii) by the Employee by reason of a material
diminution of or interference with his duties, responsibilities or benefits,
including (without limitation), if the termination of employment occurs within
30 days of any of the following actions unless consented to in writing by the
Employee: (1) a requirement that the Employee be based at any place other than
Nampa, Idaho, or within a radius of 35 miles from the location of the Savings
Bank's administrative offices as of the Effective Date, except for reasonable
travel on

                                       2
<PAGE>

Savings Bank business; (2) a material demotion of the Employee; (3) a material
reduction in the number or seniority of personnel reporting to the Employee or a
material reduction in the frequency with which, or in the nature of the matters
with respect to which such personnel are to report to the Employee, other than
as part of a Savings Bank-wide reduction in staff; (4) a reduction in the
Employee's salary or a material adverse change in the Employee's perquisites,
benefits, contingent benefits or vacation, other than as part of an overall
program applied uniformly and with equitable effect to all members of the senior
management of the Savings Bank; (5) a material permanent increase in the
required hours of work or the workload of the Employee; or (6) the failure of
the Board of Directors (or a board of directors of a successor of the Savings
Bank) to elect the Employee as President and Chief Executive Officer of the
Savings Bank (or a successor of the Savings Bank) or any action by the Board of
Directors (or a board of directors of a successor of the Savings Bank) removing
the Employee from such office. The term "Involuntary Termination" does not
include Termination for Cause, termination of employment due to death or
permanent disability pursuant to Section 7(f) of this Agreement, retirement or
suspension or temporary or permanent prohibition from participation in the
conduct of the Savings Bank's affairs under Section 8 of the Federal Deposit
Insurance Act ("FDIA").

                  (f)   The terms "Termination for Cause" and "Terminated for
Cause" mean termination of the employment of the Employee with the Savings Bank
because of the Employee's personal dishonesty, incompetence, willful misconduct,
breach of a 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, or
material breach of any provision of this Agreement. The Employee shall not be
deemed to have been Terminated for Cause unless and until there shall have been
delivered to the Employee a copy of a resolution, duly adopted by the Board of
Directors at a meeting of the Board duly called and held for such purpose (after
reasonable notice to the Employee and an opportunity for the Employee, together
with the Employee's counsel, to be heard before the Board), stating that in the
good faith opinion of the Board of Directors the Employee has engaged in conduct
described in the preceding sentence and specifying the particulars thereof in
detail.

         2. Term. The term of this Agreement shall be a period of three years
commencing on the Effective Date, subject to earlier termination as provided
herein. Beginning on the first anniversary of the Effective Date, and on each
anniversary thereafter, the term of this Agreement shall be extended for a
period of one year in addition to the then-remaining term, provided that (i)
neither the

                                       3
<PAGE>

Employee nor the Company has given notice to the other in writing at least 90
days prior to such anniversary that the term of this Agreement shall not be
extended further; and (ii) prior to such anniversary, the Board of Directors, or
a committee of the Board of Directors which has been delegated authority to act
on such matters by the Board of Directors ("Committee"), explicitly reviews and
approves the extension. Reference herein to the term of this Agreement shall
refer to both such initial term and such extended terms.

         3. Employment. The Employee shall be employed as the President and
Chief Executive Officer of the Savings Bank. As such, the Employee shall render
all services and possess the powers as are customarily performed by persons
situated in similar executive capacities, and shall have such other powers and
duties as the Board of Directors may prescribe from time to time. The Employee
shall also render services to the Company or any subsidiary or subsidiaries of
the Company or Savings Bank as requested by the Savings Bank from time to time
consistent with his executive position. The Employee shall devote his best
efforts and reasonable time and attention to the business and affairs of the
Savings Bank to the extent necessary to discharge his responsibilities
hereunder. The Employee may (i) serve on charitable or civic boards or
committees and, in addition, on such corporate boards as are approved in a
resolution adopted by a majority of the Board of Directors or the Committee,
which approval shall not be withheld unreasonably and (ii) manage personal
investments, so long as such activities do not interfere materially with
performance of his responsibilities hereunder.

         4. Cash Compensation.
            -----------------

                  (a)   Salary. The Savings Bank agrees to pay the Employee
during the term of this Agreement a base salary (the "Salary") in the annualized
amount of $_________. The Salary shall be paid no less frequently than monthly
and shall be subject to customary tax withholding. The amount of the Employee's
Salary shall be increased (but shall not be decreased) from time to time in
accordance with the amounts of salary approved by the Board of Directors or the
Committee or the board of directors or the appropriate committee of the Savings
Bank after the Effective Date. The amount of the Salary shall be reviewed by the
Board of Directors or the Committee at least annually during the term of this
Agreement.

                  (b)   Bonuses. The Employee shall be entitled to participate
in an equitable manner with all other executive officers of the Savings Bank in
such performance-based and discretionary bonuses, if any, as are authorized and
declared by the Board of Directors or the Committee for executive officers.

                                       4
<PAGE>

                  (c)   Expenses. The Employee shall be entitled to receive
prompt reimbursement for all reasonable expenses incurred by the Employee in
performing services under this Agreement in accordance with the policies and
procedures applicable to the executive officers of the Savings Bank, provided
that the Employee accounts for such expenses as required under such policies and
procedures.

         5.  Benefits.
             --------

                  (a)   Participation in Benefit Plans. The Employee shall be
entitled to participate, to the same extent as executive officers of the Savings
Bank generally, in all plans of the Savings Bank relating to pension,
retirement, thrift, profit-sharing, savings, group or other life insurance,
hospitalization, medical and dental coverage, travel and accident insurance,
education, cash bonuses, and other retirement or employee benefits or
combinations thereof. In addition, the Employee shall be entitled to be
considered for benefits under all of the stock and stock option related plans in
which the Savings Bank's executive officers are eligible or become eligible to
participate.

                  (b)   Fringe Benefits. The Employee shall be eligible to
participate in, and receive benefits under, any other fringe benefit plans or
perquisites which are or may become generally available to the Savings Bank's
executive officers, including but not limited to supplemental retirement,
deferred compensation program, supplemental medical or life insurance plans,
company cars, club dues, physical examinations, financial planning and tax
preparation services.

         6. Vacations; Leave. The Employee shall be entitled (i) to annual paid
vacation in accordance with the policies established by the Board of Directors
or the Committee for executive officers, and (ii) to voluntary leaves of
absence, with or without pay, from time to time at such times and upon such
conditions as the Board of Directors or the Committee may determine in its
discretion.

         7. Termination of Employment.
            -------------------------

                  (a)   Involuntary Termination. The Board of Directors may
terminate the Employee's employment at any time, but, except in the case of
Termination for Cause, termination of employment shall not prejudice the
Employee's right to compensation or other benefits under this Agreement. In the
event of Involuntary Termination other than after a Change in Control which
occurs during the term of this Agreement, the Savings Bank shall (i) pay to the
Employee during the remaining term of this Agreement the Salary at the rate in
effect immediately prior to the Date of Termination and (ii) provide to the
Employee during the remaining term of this Agreement substantially the same
group life insurance, hospitalization, medical, dental, prescription drug and
other health

                                       5
<PAGE>

benefits, and long-term disability insurance (if any) for the benefit of the
Employee and his dependents and beneficiaries who would have been eligible for
such benefits if the Employee had not suffered Involuntary Termination, on terms
substantially as favorable to the Employee, including amounts of coverage and
deductibles and other costs to him, as if he had not suffered Involuntary
Termination.

                  (b)   Termination for Cause. In the event of Termination for
Cause, the Savings Bank shall pay to the Employee the Salary and provide
benefits under this Agreement only through the Date of Termination, and shall
have no further obligation to the Employee under this Agreement.

                  (c)   Voluntary Termination. The Employee's employment may be
voluntarily terminated by the Employee at any time upon at least 90 days'
written notice to the Savings Bank or such shorter period as may be agreed upon
between the Employee and the Board of Directors. In the event of such voluntary
termination, the Savings Bank shall be obligated to continue to pay to the
Employee the Salary and provide benefits under this Agreement only through the
Date of Termination, at the time such payments are due, and shall have no
further obligation to the Employee under this Agreement.

                  (d)   Change in Control. In the event of Involuntary
Termination within 12 months after a Change in Control which occurs at any time
following the Effective Date while the Employee is employed under this
Agreement, the Savings Bank shall (i) pay to the Employee in a lump sum in cash
within 25 business days after the Date of Termination an amount equal to 299% of
the Employee's "base amount" as defined in Section 280G of the Code; and (ii)
provide to the Employee during the remaining term of this Agreement
substantially the same group life insurance, hospitalization, medical, dental,
prescription drug and other health benefits, and long-term disability insurance
(if any) for the benefit of the Employee and his dependents and beneficiaries
who would have been eligible for such benefits if the Employee had not suffered
Involuntary Termination, on terms substantially as favorable to the Employee,
including amounts of coverage and deductibles and other costs to him, as if he
had not suffered Involuntary Termination; provided, however, that no payment
shall be made under this Section 7(d) that would cause the Savings Bank to be
"undercapitalized" for purposes of 12 C.F.R. 565.4 or any successor provision.

                  (e)   Death. In the event of the death of the Employee while
employed under this Agreement and prior to any termination of employment, the
Savings Bank shall pay to the Employee's estate, or such person as the Employee
may have previously designated in writing, the Salary which was not previously
paid to the Employee and which he would have earned if he had continued to be
employed under this Agreement through the last day of the calendar month in
which the Employee died, together with the benefits provided hereunder through
such date.

                  (f)   Disability. If the Employee becomes entitled to benefits
under the terms of the then-current disability plan, if any, of the Savings Bank
(the "Disability Plan")

                                       6
<PAGE>

or becomes otherwise unable to fulfill his duties under this Agreement, he shall
be entitled to receive such group and other disability benefits, if any, as are
then provided by the Savings Bank for executive employees. In the event of such
disability, this Agreement shall not be suspended, except that (i) the
obligation to pay the Salary to the Employee shall be reduced in accordance with
the amount of disability income benefits received by the Employee, if any,
pursuant to this paragraph such that, on an after-tax basis, the Employee shall
realize from the sum of disability income benefits and the Salary the same
amount as he would realize on an after-tax basis from the Salary if the
obligation to pay the Salary were not reduced pursuant to this Section 7(f); and
(ii) upon a resolution adopted by a majority of the disinterested members of the
Board of Directors or the Committee, the Savings Bank may discontinue payment of
the Salary beginning six months following a determination that the Employee has
become entitled to benefits under the Disability Plan or otherwise unable to
fulfill his duties under this Agreement.

                  (g)   Temporary Suspension or Prohibition. If the Employee is
suspended and/or temporarily prohibited from participating in the conduct of the
Savings Bank's affairs by a notice served under Section 8(e)(3) or (g)(1) of the
FDIA, 12 U.S.C. Section 1818(e)(3) and (g)(1), the Savings Bank's obligations
under this Agreement shall be suspended as of the date of service, unless stayed
by appropriate proceedings. If the charges in the notice are dismissed, the
Savings Bank may in its discretion (i) pay the Employee all or part of the
compensation withheld while its obligations under this Agreement were suspended
and (ii) reinstate in whole or in part any of its obligations which were
suspended.

                  (h)   Permanent Suspension or Prohibition. If the Employee is
removed and/or permanently prohibited from participating in the conduct of the
Savings Bank's affairs by an order issued under Section 8(e)(4) or (g)(1) of the
FDIA, 12 U.S.C. Section 1818(e)(4) and (g)(1), all obligations of the Savings
Bank under this Agreement shall terminate as of the effective date of the order,
but vested rights of the contracting parties shall not be affected.

                  (i)   Default of the Savings Bank. If the Savings Bank is in
default (as defined in Section 3(x)(1) of the FDIA), all obligations under this
Agreement shall terminate as of the date of default, but this provision shall
not affect any vested rights of the contracting parties.

                  (j)   Termination by Regulators. All obligations under this
Agreement shall be terminated, except to the extent determined that continuation
of this Agreement is necessary for the continued operation of the Savings Bank:
(1) by the Director of the OTS (the "Director") or his or her designee, at the
time the FDIC enters into an agreement to provide assistance to or on behalf of
the Savings Bank under the authority contained in Section 13(c) of the FDIA; or
(2) by the Director or his or her designee, at the time the Director or his or
her designee approves a supervisory merger to resolve problems related to
operation of the Savings Bank or when the Savings Bank is determined by the
Director to be in an unsafe or unsound condition. Any rights of the parties that
have already vested, however, shall not be affected by any such action.

                                       7
<PAGE>

                  (k)   Reductions of Benefits. Notwithstanding any other
provision of this Agreement, if payments and the value of benefits received or
to be received under this Agreement, together with any other amounts and the
value of benefits received or to be received by the Employee, would cause any
amount to be nondeductible by the Savings Bank or any of the Consolidated
Subsidiaries for federal income tax purposes pursuant to or by reason of Section
280G of the Code, then payments and benefits under this Agreement shall be
reduced (not less than zero) to the extent necessary so as to maximize amounts
and the value of benefits to be received by the Employee without causing any
amount to become nondeductible pursuant to or by reason of Section 280G of the
Code. The Employee shall determine the allocation of such reduction among
payments and benefits to the Employee.

                  (l)   Further Reductions. Any payments made to the Executive
pursuant to this Agreement, or otherwise, are subject to and conditioned upon
their compliance with 12 U.S.C. Section 1828(k) and FDIC regulation 12 C.F.R.
Part 359, Golden Parachute and Indemnification Payments.

         8. Notice of Termination. In the event that the Savings Bank desires to
terminate the employment of the Employee during the term of this Agreement, the
Savings Bank shall deliver to the Employee a written notice of termination,
stating whether such termination constitutes Termination for Cause or
Involuntary Termination, setting forth in reasonable detail the facts and
circumstances that are the basis for the termination, and specifying the date
upon which employment shall terminate, which date shall be at least 30 days
after the date upon which the notice is delivered, except in the case of
Termination for Cause. In the event that the Employee determines in good faith
that he has experienced an Involuntary Termination of his employment, he shall
send a written notice to the Savings Bank stating the circumstances that
constitute such Involuntary Termination and the date upon which his employment
shall have ceased due to such Involuntary Termination. In the event that the
Employee desires to effect a Voluntary Termination, he shall deliver a written
notice to the Savings Bank, stating the date upon which employment shall
terminate, which date shall be at least 90 days after the date upon which the
notice is delivered, unless the parties agree to a date sooner.

                                       8
<PAGE>

         9. Attorneys' Fees. The Savings Bank shall pay all legal fees and
related expenses (including the costs of experts, evidence and counsel) incurred
by the Employee as a result of (i) the Employee's contesting or disputing any
termination of employment, or (ii) the Employee's seeking to obtain or enforce
any right or benefit provided by this Agreement or by any other plan or
arrangement maintained by the Savings Bank (or a successor) or the Consolidated
Subsidiaries under which the Employee is or may be entitled to receive benefits;
provided that the Savings Bank's obligation to pay such fees and expenses is
subject to the Employee's prevailing with respect to the matters in dispute in
any action initiated by the Employee or the Employee's having been determined to
have acted reasonably and in good faith with respect to any action initiated by
the Savings Bank.

         10. No Assignments.
             --------------

                  (a)   This Agreement is personal to each of the parties
hereto, and no party may assign or delegate any of its rights or obligations
hereunder without first obtaining the written consent of the other party;
provided, however, that the Savings Bank shall require any successor or assign
(whether direct or indirect, by purchase, merger, consolidation or otherwise) by
an assumption agreement in form and substance satisfactory to the Employee, to
expressly assume and agree to perform this Agreement in the same manner and to
the same extent that the Savings Bank would be required to perform it, if no
such succession or assignment had taken place. Failure to obtain such an
assumption agreement prior to the effectiveness of any such succession or
assignment shall be a breach of this Agreement and shall entitle the Employee to
compensation and benefits from the Savings Bank in the same amount and on the
same terms as the compensation pursuant to Section 7(d) of this Agreement. For
purposes of implementing the provisions of this Section 10(a), the date on which
any such succession becomes effective shall be deemed the Date of Termination.

                  (b)   This Agreement and all rights of the Employee hereunder
shall inure to the benefit of and be enforceable by the Employee's personal and
legal representatives, executors, administrators, successors, heirs,
distributees, devisees and legatees.

         11. Notice. For the purposes of this Agreement, notices and all other
communications provided for in this Agreement shall be in writing and shall be
deemed to have been duly given when personally delivered or sent by certified
mail, return receipt requested, postage prepaid, to the Savings Bank at its home
office, to the attention of the Board of Directors with a copy to the Secretary
of the Savings Bank, or, if to the Employee, to such home or other address as
the Employee has most recently provided in writing to the Savings Bank.

         12. Amendments. No amendments or additions to this Agreement shall be
binding unless in writing and signed by both parties, except as herein otherwise
provided.

                                       9
<PAGE>

         13. Headings. The headings used in this Agreement are included solely
for convenience and shall not affect, or be used in connection with, the
interpretation of this Agreement.

         14. Severability. The provisions of this Agreement shall be deemed
severable and the invalidity or unenforceability of any provision shall not
affect the validity or enforceability of the other provisions hereof.

         15. Governing Law. This Agreement shall be governed by the laws of the
State of Idaho.

         16. Arbitration. Any dispute or controversy arising under or in
connection with this Agreement shall be settled exclusively by arbitration in
accordance with the rules of the American Arbitration Association then in
effect. Judgment may be entered on the arbitrator's award in any court having
jurisdiction. The OTS may appear at any arbitration hearing but the decision is
not binding on the OTS.

         17. Deferral of Non-Deductible Compensation. In the event that the
Employee's aggregate compensation (including compensatory benefits which are
deemed remuneration for purposes of Section 162(m) of the Code) from the Savings
Bank and the Consolidated Subsidiaries for any calendar year exceeds the maximum
amount of compensation deductible by the Savings Bank or any of the Consolidated
Subsidiaries in any calendar year under Section 162(m) of the Code (the "maximum
allowable amount"), then any such amount in excess of the maximum allowable
amount shall be mandatorily deferred with interest thereon at 8% per annum to a
calendar year such that the amount to be paid to the Employee in such calendar
year, including deferred amounts and interest thereon, does not exceed the
maximum allowable amount. Subject to the foregoing, deferred amounts including
interest thereon shall be payable at the earliest time permissible.

         18. Knowing and Voluntary Agreement. Employee represents and agrees
that he has read this Agreement, understands its terms, and that he has the
right to consult counsel of choice and has either done so or knowingly waives
the right to do so. Employee also represents that he has had ample time to read
and understand the Agreement before executing it and that he enters into this
Agreement without duress or coercion from any source.

                                    * * * * *

                                       10
<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
day and year first above written.

         THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE
ENFORCED BY THE PARTIES.

Attest:                                  HOME FEDERAL BANK

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

----------------------------             By:
                                             ----------------------------------
                                         Its:
                                             ----------------------------------

                                         EMPLOYEE

                                         --------------------------------------
                                         Daniel L. Stevens

                                       11

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