| 1.2 | “Beneficiary”      means the person or persons (and their heirs) designated as Beneficiary in      the Executive’s Deferral Agreement to whom the deceased Executive’s      benefits are payable.  If no Beneficiary is so designated, then      the Executive’s Spouse, if living, will be deemed the      Beneficiary.  If the Executive’s Spouse is not living, then the      Children of the Executive will be deemed the Beneficiaries and will take      on a per stirpes basis.  If there are no Children, then the      Estate of the Executive will be deemed the  Beneficiary. |
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| 1.3 | “Benefit      Age” shall be the birthday on which the Executive becomes eligible to      receive benefits under the plan.  Such birthday shall be      designated in the Executive’s Deferral  Agreement. |
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| 1.4 | “Benefit      Eligibility Date” shall be the date on which a Executive is entitled to      receive his Deferred Compensation Benefit.  It shall be the      first day of the month following the month in which the Executive attains      the Benefit Age designated in his Deferral  Agreement. |
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| 1.5 | “Cause”      means personal dishonesty, willful misconduct, willful malfeasance, breach      of fiduciary duty involving personal profit, intentional failure to      perform stated duties, willful violation of any law, rule, regulation      (other than traffic violations or similar offenses), or final      cease-and-desist order, material breach of any provision of this Plan, or      gross negligence in matters of material importance to the      Bank. |
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| 1.6 | “Change      in Control” of the Bank or Holding Company means a change in control of a      nature that: (i) would be required to be reported in response to Item 5.01      of the current report on Form 8-K, as in effect on the date hereof,      pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934      (the “Exchange Act”); or (ii) results in a Change in Control of the      Company within the meaning of the Home Owners’ Loan Act, as amended, and      applicable rules and regulations promulgated thereunder (collectively, the      “HOLA”) as in effect at the time of the Change in Control; or (iii)      without limitation such a Change in Control shall be deemed to have      occurred at such time as (a) any “person” (as the term is used in      Sections 13(d) and 14(d) of the Exchange Act) is or becomes the      “beneficial owner” (as defined in Rule 13d-3 under the Exchange Act),      directly or indirectly, of securities of the Company representing 25% or      more of the combined voting power of the Company’s outstanding securities      except for any securities purchased by the Bank’s employee stock ownership      plan or trust; or (b) individuals who constitute the Board on the date      hereof (the “Incumbent Board”) cease for any reason to constitute at least      a majority thereof, provided that any      person becoming a director subsequent to the date hereof whose election      was approved by a vote of at least three-quarters of the directors      comprising the Incumbent Board, or whose nomination for election by the      Company’s stockholders was approved by the same Nominating Committee      serving under an Incumbent Board, shall be, for purposes of this clause      (b), considered as though he were a member of the Incumbent Board; or (c)      a plan of reorganization, merger, consolidation, sale of all or      substantially all the assets of the Company or similar transaction in      which the Company is not the surviving institution occurs; or (d) a proxy      statement soliciting proxies from stockholders of the Company, by someone      other than the current management of the Company, seeking stockholder      approval of a plan of reorganization, merger or consolidation of the      Company or similar transaction with one or more corporations as a result      of which the outstanding shares of the class of securities then subject to      the Plan are to be exchanged for or converted into cash or property or      securities not issued by the Company; or (e) a tender offer is made for      25% or more of the voting securities of the Company and the shareholders      owning beneficially or of record 25% or more of the outstanding securities      of the Company have tendered or offered to sell their shares pursuant to      such tender offer and such tendered shares have been accepted by the      tender offeror.  Notwithstanding anything in this subsection (b)      to the contrary, a change in control shall not be deemed to have occurred      in the event of a conversion of the Company’s or the Bank’s mutual holding      company to stock form, or in connection with any reorganization used to      effect such a conversion. |
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| 1.7 | “Children”      means the Executive’s children, both natural and adopted, determined at      the time payments are due the Children under this  Plan. |
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| 1.8 | “Deferral      Period” means the period of months designated in the Executive’s Deferral      Agreement during which the Executive shall defer current      compensation.  The Deferral Period shall commence on the date      designated in the Executive’s Deferral  Agreement. |
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| 1.9 | “Deferred      Compensation Benefit” means the annuitized value (using the Interest      Factor) of the Executive’s Elective Contribution Account, measured as of      the Executive’s Benefit Age, payable in monthly installments throughout      the Payout Period and commencing on the Executive’s Benefit Eligibility      Date. |
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| 1.10 | “Disability      Benefit” means the monthly benefit payable to the Executive if the      Executive becomes Disabled. |
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| 1.11 | “Effective      Date” of this Plan was originally December 31, 2003, however, the      effective date of this amended and restated Plan is January 1,      2005. |
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| 1.12 | “Elective      Contribution” shall refer to any bookkeeping entry required to record a      Executive’s voluntary monthly pre-tax deferral of compensation which shall      be made in accordance with the Executive’s Deferral    Agreement. |
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| 1.13 | “Elective      Contribution Account” shall be represented by the bookkeeping entries      required to record a Executive’s Elective Contributions plus accrued      interest calculated with the Interest Factor, earned to date on such      amounts.  However, neither the existence of such bookkeeping      entries nor the Elective Contribution Account itself shall be deemed to      create either a trust of any kind, or a fiduciary relationship between the      Bank and the Executive or anyBeneficiary. |
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| 1.15 | “Interest      Factor” means either the Pre-Retirement Interest Factor or the      Post-Retirement Interest Factor, asapplicable. |
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| 1.16 | “Payout      Period” means the time frame during which certain benefits payable      hereunder shall be distributed. Payments shall be made in equal monthly      installments commencing on the first day of the first month following the      occurrence of the event which triggers distribution and continuing for a      period of one-hundred twenty (120) months, as designated in the      Executive’s Deferral Agreement. |
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| 1.17 | “Plan      Year” shall mean the twelve (12) month period from January 1 to December      31 of each year. |
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| 1.18 | “Post-Retirement      Interest Factor” means a rate applicable to annuitize the Elective      Contribution Account of a Executive in connection with installment      distributions made following a Executive’s retirement or other termination      of employment.  Unless changed pursuant to a written resolution      of the Board of Executives, the Post-Retirement Interest Factor shall be      seven percent (7%) per annum. |
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| 1.19 | “Pre-Retirement      Interest Factor” means a rate applied to accruals credited to a      Executive’s Elective Contribution Account prior to the Executive’s      retirement or other termination of employment.  Unless changed      pursuant to a written resolution of the Board of Executives, the      Pre-Retirement Interest Factor shall be a rate equivalent to the prime      interest rate as published in the Wall Street      Journal each January 1, plus three percent (3%).  For the      initial Plan Year, the Pre-Retirement Interest Factor shall be seven      percent (7%).  The Pre-Retirement Interest Factor shall be      calculated each January 1 during the Deferral Period, and such rate shall      be the applicable Pre-Retirement Interest Factor for the Plan Year for      which it is calculated. |
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| 1.20 | “Projected      Deferral” is an estimate, determined upon execution of a Deferral      Agreement, of the total amount of compensation to be deferred by the      Executive during his Deferral Period (excluding any interest accrued on      such deferrals), and so designated in the Executive’s Deferral      Agreement. |
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| 1.21 | “Spouse”      means the individual to whom the Executive is legally married at the time      of the Executive’s death. |
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| 1.22 | “Survivor’s      Benefit” means if the Bank has obtained insurance on the life of the      Executive, an annual amount payable to the Beneficiary in monthly      installments throughout the Payout Period, equal to the amount designated      in the Executive’s Deferral Agreement.  If the Bank has not      obtained insurance on the life of the Executive, the Survivor’s Benefit      shall be equal to the accrued benefit in the Executive’s Elective      Contribution Account as of the Executive’s date of death, annuitized      (using the Post-Retirement Interest Factor) and payable in monthly      installments throughout the PayoutPeriod. |
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| 5.1 | Retirement      Benefit.  Subject to Subsection 6.1 of this Plan, the      Bank agrees to pay the Executive the Deferred Compensation Benefit      commencing on the Executive’s Benefit Eligibility Date.  Such      payments will be made over the term of the Payout Period.  In      the event of the Executive’s death after commencement of the Deferred      Compensation Benefit, but prior to completion of all such payments due and      owing hereunder, the Bank shall pay to the Executive’s Beneficiary a      continuation of the monthly installments for the number of months      remaining in the Payout Period. |
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| 5.2 | Disability      Benefit. The Executive      shall be entitled to receive the Disability Benefit hereunder if the      Executive becomes Disabled.  For purposes of this Subsection,      “Disability” or “Disabled” shall mean the Executive: (i) is unable to      engage in any substantial gainful activity by reason of any medically      determinable physical or mental impairment which can be expected to result      in death or can be expected to last for a continuous period of not less      than 12 months; (ii) is, by reason of any medically determinable physical      or mental impairment which can be expected to result in death or can be      expected to last for a continuous period of not less than 12 months,      receiving income replacement benefits for a period of not less than 3      months under an accident and health plan covering employees of the      Executive’s employer; or (iii) is determined to be totally disabled by the      Social Security Administration.  The Disability Benefit shall      begin within thirty (30) days the Executive is determined to be      Disabled.  The amount of the monthly benefit shall be the      annuitized value of the Executive’s Elective Contribution Account,      measured as of the date of the Disability determination and payable over      the Payout Period.  The Post-Retirement Interest Factor shall be      used to annuitize the Elective Contribution Account.  In the      event the Executive dies while receiving Disability Benefit payments      pursuant to this Subsection, or after becoming eligible for such payments      but before the actual commencement of such payments, his Beneficiary shall      be entitled to receive those benefits provided for in Subsection 6.1(a)      and the Disability Benefits provided for in this Subsection shall      terminate upon the Executive’sdeath. |
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| 5.3 | Voluntary or      Involuntary Termination.  If the Executive’s employment      with the Bank is voluntarily or involuntarily terminated (including      termination for Cause) prior to the attainment of his Benefit Eligibility      Date, the Executive’s death or Disability, then commencing on his Benefit      Eligibility Date, the Executive shall be entitled to the annuitized value      (using the Interest Factor) of his Elective Contribution Account      calculated as of his Benefit Eligibility Date, and payable over the Payout      Period. |
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| 5.4 | Termination of      Employment Related to a Change in Control.  If a Change      in Control occurs, and thereafter the Executive’s employment is terminated      (either voluntarily or involuntarily) within thirty-six (36) months, the      Executive shall be entitled to receive his Deferred Compensation Benefit      calculated as if Executive had made all of his elective deferrals through      his Benefit Age.  Such benefit shall be annuitized (using the      Interest Factor) and be payable commencing on such Executive’s Benefit      Eligibility Date in monthly installments throughout the Payout      Period.  In the event the Executive dies at any time after      termination of employment, but prior to commencement of  such      payments due and owing hereunder, the Bank or its successor, shall pay to      the Executive’s Beneficiary, the Survivor’s Benefit.  In the      event the Executive dies at any time after commencement of such payments,      but prior to completion of all such payments due and owing hereunder, the      Bank or its successor shall pay to the Executive’s Beneficiary a      continuation of the monthly installments for the remainder of the Payout      Period. |
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| 5.5 | Modification of      Benefit Age.  Notwithstanding anything in the Plan to the      contrary, an Executive who previously designated a Benefit Age in his or      her Deferral Agreement, may elect to change his or her Benefit Age by      filing with the Bank a Transition Year Election Form (attached hereto as      Exhibit D), provided that such election is made by the later of December      31, 2008.  If the Executive elects to modify his Benefit Age      (“Modified Benefit Age”) and to commence receiving benefits hereunder      before attainment of his Benefit Age as set forth on his Deferral      Agreement, Executive shall be entitled to receive the value of his      Elective Contribution Account calculated as of the last day of the month      in which Executive attains his Modified Benefit Age, Such early benefit      shall be annuitized (using the Interest Factor) and be payable commencing      on the first day of the second month following Executive’s attaining his      Modified Benefit Age in monthly installments throughout the Payout      Period.  In the event the Executive dies at any time after      designating his Modified Benefit Age, but prior to commencement      of  such payments due and owing hereunder, the Bank or its      successor shall pay to the Executive’s Beneficiary the Survivor’s      Benefit.  In the event the Executive dies at any time after      commencement of the benefit payments, but prior to completion of all such      payments due and owing hereunder, the Bank or its successor shall pay to      the Executive’s Beneficiary a continuation of the monthly installments for      the remainder of the Payout Period. |
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| 6.1 | Death Benefit Prior to      Commencement of Deferred Compensation Benefit.  In the      event of the Executive’s death prior to commencement of the Deferred      Compensation Benefit, the Bank shall pay the Executive’s Beneficiary a      monthly benefit for the Payout Period, commencing within thirty (30) days      of the Executive’s death.  The amount of such monthly benefit      payments shall be determined asfollows: |
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|   | (a) | (1)      In the event death occurs (i) while the Executive is receiving the      Disability Benefit provided for in Subsection 5.2, or (ii) after the      Executive has become eligible for such Disability Benefit payments but      before such payments have commenced, the Executive’s Beneficiary shall be      entitled to receive the Survivor’s Benefit for the number of months in the      Payout Period, reduced by the number of months Disability Benefit payments      were made to the Executive.  In the event death occurs after the      Executive has received the Disability Benefit provided for in Subsection      5.2 for the entire Payout      Period, the Executive’s Beneficiary shall not be entitled to the      Survivor’s Benefit for any length of time.  However, the lump      sum payment described in paragraph two (2) of this Subsection 6.1(a) if      approved by the Board of Executives, and the payment described in Section      6.2, shall still be applicable to such  Beneficiary. |
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|   | (b) | In      the event death occurs while the Executive is (i) in the employment of the      Bank, (ii) deferring compensation pursuant to Section II and (iii) prior to any      reduction or discontinuance (via an effective filing of a Notice of      Adjustment of Deferral Amount) in the level of deferrals reflected in the      Executive’s Deferral Agreement, the Executive’s Beneficiary shall be paid      the Survivor’s Benefit. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | In      the event death occurs while the Executive is (i) in the employment of the      Bank, (ii) deferring compensation pursuant to Section II, and (iii) after any      reduction or discontinuance (via an effective filing of a Notice of      Adjustment of Deferral Amount) in the level of deferrals reflected in the      Executive’s Deferral Agreement, the Executive’s Beneficiary shall be paid      a reduced Survivor’s Benefit. The amount of such reduced Survivor’s      Benefit shall be determined by multiplying the monthly payment available      as a Survivor’s Benefit by a fraction, the numerator of which is equal to      the total compensation actually deferred by the Executive as of his death,      and the denominator of which is equal to the total amount of compensation      which would have been deferred as of his death,      if no reduction or discontinuance in the level of deferrals had occurred      at any time following execution of the Deferral Agreement and during the      Deferral Period. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | In      the event the Executive completes less than One      Hundred Percent (100%) of his Projected Deferrals due to any voluntary or      involuntary termination, the Executive’s Beneficiary shall be paid a      reduced Survivor’s Benefit. The amount of such reduced Survivor’s Benefit      shall be determined by multiplying the monthly payment available as a      Survivor’s Benefit by a fraction, the numerator of which is equal to the      total compensation actually deferred by the Executive, and the denominator      of which is equal to the Executive’s Projected  Deferral. |
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|   | (e) | In      the event the Executive completes One Hundred Percent (100%) of his      Projected Deferrals prior to any      voluntary or involuntary termination, and provided no payments have been      made pursuant to Subsection 5.2, the Executive’s Beneficiary shall be paid      the Survivor’s Benefit. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.2 | Additional Death      Benefit - Burial Expense. In addition to the above-described death      benefits, upon the Executive’s death, the Executive’s Beneficiary shall be      entitled to receive a one-time lump sum death benefit in the amount of Ten      Thousand Dollars ($10,000.00). This benefit shall be provided specifically      for the purpose of providing payment for burial and/or funeral expenses of      the Executive. Such benefit shall be payable within thirty (30) days of      the Executive’s death. |
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| 11.1 | Named Fiduciary and      Administrator. The Bank shall be the Named Fiduciary and      Administrator (the “Administrator”) of this Plan. As Administrator, the      Bank shall be responsible for the management, control and administration      of the Plan as established herein. The Administrator may delegate to      others certain aspects of the management and operational responsibilities      of the Plan, including the employment of advisors and the delegation of      ministerial duties to qualifiedindividuals. |
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| 11.2 | Claims Procedure and      Arbitration.  In the event that benefits under this Plan      are not paid to the Executive (or to his Beneficiary in the case of the      Executive’s death) and such claimants feel they are entitled to receive      such benefits, then a written claim must be made to the Administrator      within sixty (60) days from the date payments are refused.  The      Administrator shall review the written claim and, if the claim is denied,      in whole or in part, they shall provide in writing, within ninety (90)      days of receipt of such claim, their specific reasons for such denial,      reference to the provisions of this Plan or the Deferral Agreement upon      which the denial is based, and any additional material or information      necessary to perfect the claim. Such writing by the Administrator shall      further indicate the additional steps which must be undertaken by      claimants if an additional review of the claim denial is      desired. |
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| 12.1 | No Guarantee of      Employment.  Nothing contained herein will confer upon      the Executive the right to be retained in the service of the Bank nor      limit the right of the Bank to discharge or otherwise deal with the      Executive without regard to the existence of the      Plan.  Notwithstanding anything herein contained to the      contrary, any payment to the Executive by the Holding Company are subject      to and conditioned upon their compliance with Section 18(k) of the Federal      Deposit Insurance Act, 12 U.S.C. Section 1828(k), and the regulations      promulgated thereunder in 12 C.F.R. Part359. |
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| 12.2 | State      Law.  The Plan is established under, and will be      construed according to, the laws of the state of New  York. |
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| 12.3 | Severability and      Interpretation of Provisions.  In the event that any of      the provisions of this Plan or portion thereof, are held to be inoperative      or invalid by any court of competent jurisdiction, or in the event that      any legislation adopted by any government body having jurisdiction over      the Bank would be retroactively applied to invalidate this Plan or any      provision hereof or cause the benefits hereunder to be taxable, then: (1)      insofar as is reasonable, effect will be given to the intent manifested in      the provisions held invalid or inoperative, and (2) the validity and      enforceability of the remaining provisions will not be affected      thereby.  In the event that the intent of any provision shall      need to be construed in any manner to avoid taxability, such construction      shall be made by the Plan Administrator in a manner that would manifest to      the maximum extent possible the original meaning of such      provisions. |
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| 12.4 | Incapacity of      Recipient. In the event the Executive is declared incompetent and a      conservator or other person legally charged with the care of his person or      Estate is appointed, any benefits under the Plan to which such Executive      is entitled shall be paid to such conservator or other person legally      charged with the care of his person orEstate. |
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| 12.5 | Unclaimed      Benefit.  The Executive shall keep the Bank informed of      his current address and the current address of his Beneficiaries. If the      location of the Executive is not made known to the Bank within three (3)      years after the date on which any payment of the Deferred Compensation      Benefit may first be made, payment may be made as though the Executive had      died at the end of the three (3) yearperiod. |
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| 12.6 | Limitations on      Liability.  Notwithstanding any of the preceding      provisions of the Plan, no individual acting as an employee or agent of      the Bank, or as a member of the Board of Trustees shall be personally      liable to the Executive or any other person for any claim, loss, liability      or expense incurred in connection with this  Plan. |
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| 12.7 | Gender.  Whenever      in this Plan words are used in the masculine or neuter gender, they shall      be read and construed as in the masculine, feminine or neuter gender,      whenever they should so apply. |
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| 12.8 | Effect on Other      Corporate Benefit Plans.  Nothing contained in this Plan      shall affect the right of the Executive to participate in or be covered by      any qualified or non­qualified pension, profit sharing, group, bonus      or other supplemental compensation or fringe benefit agreement      constituting a part of the Bank’s existing or future compensation      structure. |
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| 12.9 | Suicide.  Notwithstanding      anything to the contrary in this Plan, the benefits otherwise provided      herein shall not be payable if the Executive’s death results from suicide,      whether sane or insane, within twenty-six (26) months after the execution      of his Deferral Agreement. If the Executive dies during this twenty-six      (26) month period due to suicide, the balance of his Elective Contribution      Account will be paid to the Executive’s Beneficiary in a single payment.      Payment is to be made within thirty (30) days after the Executive’s death      is declared a suicide by competent legal  authority. |
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| 12.10 | Inurement.  This      Plan shall be binding upon and shall inure to the benefit of the Bank, its      successors and assigns, and the Executive, his successors, heirs,      executors, administrators, andBeneficiaries. |
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| 12.11 | Source of      Payments.  All payments provided in this Plan shall be      timely paid in cash or check from the general funds of the Bank or the      assets of the rabbi trust. The Holding Company guarantees payment and      provision of all amounts and benefits due to the Executives and, if such      amounts and benefits are not timely paid or provided by the Bank, or the      rabbi trust, such amounts and benefits shall be paid or provided by the      Holding Company. |
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| 12.12 | Tax Withholding and      Code Section 409A Taxes.  Any distribution under this      Plan shall be reduced by the amount of any taxes required to be withheld      from such distribution.  This Plan shall permit the acceleration      of the time or schedule of a payment to pay employment related taxes as      permitted under Treasury Regulation Section 1.409A-3(j) or to pay any      taxes that may become due at any time that the arrangement fails to meet      the requirements of Code Section 409A and the regulations and other      guidance promulgated thereunder.  In the latter case, such      payments shall not exceed the amount required to be included in income as      the result of the failure to comply with the requirements of Code Section      409A. |
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| 12.13 | Headings.  Headings      and sub-headings in this Plan are inserted for reference and convenience      only and shall not be deemed a part of this  Plan. |
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| 12.14 | Acceleration of      Payments.  Except as specifically permitted herein or in      other sections of this Plan, no acceleration of the time or schedule of      any payment may be made hereunder.  Notwithstanding the      foregoing, payments may be accelerated hereunder by the Bank, in      accordance with the provisions of Treasury Regulation Section      1.409A-3(j)(4) and any subsequent guidance issued by the United States      Treasury Department.  Accordingly, payments may be accelerated,      in accordance with requirements and conditions of the Treasury Regulations      (or subsequent guidance) in the following circumstances: (i) as a result      of certain domestic relations orders; (ii) in compliance with ethics      agreements with the Federal government; (iii) in compliance with ethics      laws or conflicts of interest laws; (iv) in limited cash-outs (but not in      excess of the limit under Code Section 402(g)(1)(B)); (v) in the case of      certain distributions to avoid a non-allocation year under Code Section      409(p); (vi) to apply certain offsets in satisfaction of a debt of the      Executive to the Employer; (vii) in satisfaction of certain bona fide      disputes between the Executive and the Employer; or (viii) for any other      purpose set forth in the Treasury Regulations and subsequent      guidance. |
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| 13.1 | Partial      Termination.  Notwithstanding anything herein contained      to the contrary, the Bank reserves the exclusive right to freeze or to      amend the Plan at any time with respect to compensation to be earned in      the future, provided that no amendment to the Plan shall be effective to      decrease or to restrict the amount accrued to the date of such      amendment. |
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| 13.2 | Complete      Termination.  Subject to the requirements of Code Section      409A, in the event of complete termination of the Plan, the Plan shall      cease to operate and the Bank shall pay out to the Executive his or her      benefit as set forth below.  Such complete termination of the      Plan shall occur only under the following circumstances and      conditions: |
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| 14.1 | This      Plan sets forth the entire understanding of the parties hereto with      respect to the transactions contemplated hereby, and any previous      agreements or understandings between the parties hereto regarding the      subject matter hereof are merged into and superseded by this      Plan. |
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| 14.2 | This      Plan shall be executed in triplicate, each copy of which, when so executed      and delivered, shall be an original, but all three copies shall together      constitute one and the sameinstrument. |
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| SECONDARY      BENEFICIARY: | Thomas      J. Schneider, Matthew R. Schneider, James A. Schneider, equally per      stirpes |
|-----------------------------|----------------------------------------------------------------------------------------------|

| Date |            EXECUTIVE |   |
|------|-----------------------------------------------|--------|

| ·   | I      understand and agree that no death benefit in excess of the deferrals made      by me (plus earnings thereon) will be paid unless Pathfinder Bank has      acquired insurance on my life and such insurance is in    place. |
|--------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| SECONDARY      BENEFICIARY: | John      W. Dowd (Brother) |
|-----------------------------|-----------------------------|

| Date | EXECUTIVE |   |
|------|-----------|--------|

| ·   | I      understand and agree that no death benefit in excess of the deferrals made      by me (plus earnings thereon) will be paid unless Pathfinder Bank has      acquired insurance on my life and such insurance is in    place. |
|--------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| SECONDARY      BENEFICIARY: | Makayla      Dashnau (Mesec) and MaddisonDashnau |
|-----------------------------|--------------------------------------------------|

| Date | EXECUTIVE |   |
|------|-----------|--------|

| ·   | I      understand and agree that no death benefit in excess of the deferrals made      by me (plus earnings thereon) will be paid unless Pathfinder Bank has      acquired insurance on my life and such insurance is in    place. |
|--------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| TO: | Administrative      Committee, Executive Deferred CompensationPlan |
|-----|--------------------------------------------------------------------|