EXHIBIT 10(d) Employment Agreement with Frank X. Hernandez EMPLOYMENT AGREEMENT THIS AGREEMENT is made effective as of October1, 1998, by and between KLAMATH FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION (the "Association"), Klamath Falls, Oregon;...Employment Agreement • December 29th, 1998 • Klamath First Bancorp Inc • Savings institution, federally chartered • Oregon
