Exhibit 10.10

NON-COMPETITION, CONSULTING

AND

HEALTH INSURANCE AGREEMENT

THIS NON-COMPETITION, CONSULTING AND HEALTH INSURANCE AGREEMENT (the “Agreement”) is made as of the 29th day of April, 2011, between Home Federal Savings and Loan Association (“Association”) and Robert S. Curtis (the “Executive” or the “Consultant”).

WITNESSETH

WHEREAS, the Association is a wholly owned subsidiary of Poage Bankshares, Inc., a corporation organized under the laws of the Commonwealth of Kentucky (the “Company”);

WHEREAS, the Association wishes to retain the Executive as Co-President and Co-Chief Executive Officer of the Association;

WHEREAS, the Company and the Association desire to be ensured of the Executive’s continued active participation in the business of the Association; and

WHEREAS, in order to induce the Executive to remain in the employ of the Association and in consideration of the Executive’s agreeing to remain in the employ of the Association, the parties desire to specify the consulting and health insurance benefits which shall be due the Executive in the event that his employment with the Association is terminated prior to the Executive attaining age sixty-five (65).

NOW THEREFORE, in consideration of the mutual agreements herein contained, and upon the other terms and conditions hereinafter provided, the parties hereby agree as follows:

Commencement Date: The obligations under this Agreement shall commence on the date of the Executive’s termination of employment (the “Commencement Date”).

Termination Date: This Agreement, including the consulting services, non-compete and health provisions, shall terminate on the date the Consultant qualifies for Medicare and the Consultant’s spouse, Mary Susan Curtis, qualifies for Medicare (the “Termination Date”). For purposes of clarity, this Agreement shall continue in the event the Consultant qualifies for Medicare but Ms. Curtis does not. If either the Consultant or Ms. Curtis does not pay their share of employee premiums, the Association shall not be obligated to continue such individuals on the Association’s group health plan. Notwithstanding the foregoing, if, on the date the Executive terminates employment, the Executive and Ms. Curtis qualify for Medicare, this Agreement shall be void and shall be of no force and effect and no payments or benefits shall be made under this Agreement. In addition, notwithstanding anything else herein to the contrary, in no event shall the Association be obligated to pay benefits hereunder after January 26, 2016.

Cash Compensation: Association shall pay Consultant a commercially reasonable amount for his services as a Consultant under this Agreement and for Consultant’s agreement not to compete under Section 6 hereof, payable in monthly installments over the consulting term pursuant to Association’s customary practices for non-employee service providers beginning on the Commencement Date and ending on the Termination Date (the “Consulting Term”). In no event shall Consultant’s fee exceed, on a prorated basis, his salary on his date of termination.

Health Insurance: During the Consulting Term, the Association agrees to allow (i) the Consultant to remain in the Association’s group health plan until he qualifies for Medicare, and (ii) Mary Susan Curtis to remain in the Association’s group health plan until she qualifies for Medicare, provided that the Consultant and Ms. Curtis pay the employee share of such insurance premiums.

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(i) solicit, offer employment to, or take any other action intended (or that a reasonable person acting in like circumstances would expect) to have the effect of causing any officer or employee of the Association and the Company, or any of their respective subsidiaries or affiliates, to terminate his or her employment and accept employment or become affiliated with, or provide services for compensation in any capacity whatsoever to, any firm, corporation, entity or enterprise that competes with the business of the Association and the Company, or any of their direct or indirect subsidiaries or affiliates, and has offices within a twenty (20) mile radius of the Association’s offices, determined as of the effective date of such termination, except as agreed to pursuant to a resolution duly adopted by the Board of Directors (“Competitor”);

(ii) serve as a consultant, director, independent contractor, employee of, or provide financial or other assistance to, any Competitor; or

(iii) directly or indirectly solicit persons or entities who were customers, clients, or referral sources of the Association and the Company, or their subsidiaries to become a customer, client, or referral source of any Competitor.

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IN WITNESS WHEREOF, the Association has caused this Agreement to be executed by its duly authorized officer, and Consultant has signed this Agreement, as of the date first written above.

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