Oswego County Bancorp Inc Sample Contracts

Oswego County Bancorp Inc – PRESS RELEASE (February 25th, 2002)

Exhibit 99 PRESS RELEASE FOR IMMEDIATE RELEASE Contact: Gregory J. Kreis, President & CEO Eugene Sunderhaft, Sr. VP & CFO Telephone 315 343 4100 Oswego, New York February 22, 2002. Oswego County Bancorp, Inc. (the Company) the holding company for Oswego County Savings Bank (the Bank), announced that the Board of Directors at their regular meeting held on February 21st declared a stock split. The stock split covers shareholders of record on March 4, 2002 and the additional shares will be issued on or about March 19th 2002. Shareholders will receive two new shares of Oswego County Bancorp stock in addition to each share they own as of the record date. Gregory J. Kreis, President and CEO of the Company stated that, "At December 31, 2001 there were 823,993 Company shares issued of which the Oswego County Mutual Holding Company (MHC) owned 471,750. With the stock split, commonly referred to as a three for on

Oswego County Bancorp Inc – PRESS RELEASE DATED APRIL 20, 2000 (April 24th, 2000)

Exhibit 99 [OSWEGO COUNTY BANCORP, INC. LETTERHEAD] PRESS RELEASE DATED APRIL 20, 2000 Contact: Gregory J. Kreis, President & CEO Stephen Albright, Sr. Vice President and Chief Financial Officer (315) 343-4100 FOR IMMEDIATE RELEASE Oswego, New York April 20, 2000 Oswego County Bancorp Inc., the holding company for Oswego County Savings Bank, announced at its annual meeting of Stockholders that it will begin paying a dividend of three cents per share to shareholders of record on April 28th. The dividend will be payable on or about May 15th. Gregory J. Kreis, President and CEO said, "I am pleased to announce this dividend which is the Company's first since it was formed last July. In July of 1999 Oswego County Savings Bank converted from a mutual savings bank to a mutual holding company and stock savings bank. We are pleased with our progress since conversion and want to share our earnings success with our shareholders.

Oswego County Bancorp Inc – COMPENSATION PLAN FOR DIRECTORS (March 30th, 2000)

Exhibit 10(iii) OSWEGO COUNTY SAVINGS BANK RABBI TRUST FOR THE EXECUTIVE SUPPLEMENTAL RETIREMENT BENEFIT PLAN, THE DIRECTORS SUPPLEMENTAL RETIREMENT BENEFIT PLAN, AND THE VOLUNTARY DEFERRED COMPENSATION PLAN FOR DIRECTORS OSWEGO COUNTY SAVINGS BANK Oswego, New York February 1, 2000 Financial Institution Consulting Corporation 700 Colonial Road, Suite 260 Memphis, Tennessee 38117 WATS: 1-800-873-0089 FAX: (901) 684-7414 (901) 684-7400 OSWEGO COUNTY SAVINGS BANK RABB

Oswego County Bancorp Inc – INCOME AGREEMENT FOR (March 30th, 2000)

Exhibit 10(ii) EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR GREGORY J. KREIS OSWEGO COUNTY SAVINGS BANK Oswego, New York March 15, 2000 Financial Institution Consulting Corporation 700 Colonial Road, Suite 260 Memphis, Tennessee 38117 WATS: 1-800-873-0089 FAX: (901) 684-7411 (901) 684-7400 EXECUTIVE SUPPLEMENTAL RETIREMENT INCOME AGREEMENT FOR GREGORY J. KREIS This Executive Supplemental Retirement Income Agreement ("Agreement"), executed as of this 15th day of March, 2000, formalizes the understand