exhibit 10. 4 salary continuation plan plan year reporting hypothetical termination benefits schedule william loving birth date : 3 / 28 / 1955 early voluntary termination plan anniversary date : 1 / 1 / 2009 normal retirement : 3 / 28 / 2020, age 65 annual benefit 2 normal retirement payment : monthly for 15 years amount payable at normal retirement age benefit based on values age level vesting benefit as of ( 1 ) ( 2 ) ( 3 ) ( 4 ) dec 2008 1 53 54, 663 8. 33 % 4, 555 dec 2009 54 54, 663 16. 67 % 9, 111 dec 2010 55 54, 663 25. 00 % 13, 666 dec 2011 56 54, 663 33. 33 % 18, 221 dec 2012 57 54, 663 41. 67 % 22, 776 dec 2013 58 54, 663 50. 00 % 27, 332 dec 2014 59 54, 663 58. 33 % 31, 887 dec 2015 60 54, 663 66. 67 % 36, 442 dec 2016 61 54, 663 75. 00 % 40, 997 dec 2017 62 54, 663 83. 33 % 45, 552 dec 2018 63 54, 663 91. 67 % 50, 108 dec 2019 64 54, 663 100. 00 % 54, 663 mar 2020 65 54, 663 100. 00 % 54, 663 1 the first line reflects 12 months of data, january 2008 to december 2008. 2 the annual benefit amount will be paid for 15 years. * the purpose of this hypothetical illustration is to show the participant ’ s annual benefit based on various termination assumptions. actual benefits are based on the terms and provisions of the plan agreement. consequently, actual benefits may differ from those shown on this hypothetical termination benefits schedule. salary continuation plan for pendleton community bank, inc — franklin, wv securities offered through clark securities, inc., dba ccfs, inc. in texas 1002388 46672 364449 v7. 09. 14. 07 02 / 22 / 2008 : 11 scp — e, f nb member finra & sipc, dallas, tx 75201, ( 800 ) # # # - # # # - # # # #. exhibit 10. 4 salary continuation plan plan year reporting salary continuation plan hypothetical termination benefits schedule william loving birth date : 3 / 28 / 1955 early voluntary termination plan anniversary date : 1 / 1 / 2009 normal retirement : 3