NOTICE OF REDEMPTION

Redemption Agreement

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This Redemption Agreement involves

HF FINANCIAL CORP | Wilmington Trust Company

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Title: NOTICE OF REDEMPTION
Date: 2/12/2007
Industry: SandLs/Savings Banks

Exhibit 10.3

NOTICE OF REDEMPTION

TO THE HOLDERS OF

HF Financial Capital Trust I

10,000 CAPITAL SECURITIES

310 COMMON SECURITIES

(the “Securities”)

Your Securities is hereby called for redemption on December 8, 2006 pursuant to Annex I, Section 4 of the Amended and Restated Declaration of Trust dated as of November 28, 2001 between HF Financial Corp. as the Company, Wilmington Trust Company, as the Institutional Trustee and Delaware Trustee and the Administrators named therein. The Securities wi

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