0001104659-02-006389 Sample Contracts

GUARANTEE AGREEMENT
Guarantee Agreement • November 15th, 2002 • Hf Financial Corp • Savings institution, federally chartered • New York

This GUARANTEE AGREEMENT (the “Guarantee”), dated as of July 11, 2002, is executed and delivered by HF Financial Corp., a savings and loan holding company incorporated in Delaware (the “Guarantor”), and Wilmington Trust Company, a Delaware banking corporation, as trustee (the “Guarantee Trustee”), for the benefit of the Holders (as defined herein) from time to time of the Capital Securities (as defined herein) of HF Financial Capital Trust II, a Delaware statutory business trust (the “Issuer”).

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