Pathfinder Bancorp, Inc. Contracts & Agreements

Amendment to the Registration Rights Agreement (Filed With SEC on May 12, 2023)

Separation Agreement and General Release by and between Pathfinder Bancorp, Inc. and Thomas W. Schneider, dated September 28, 2022 (Filed With SEC on October 7, 2022)

Employment Agreement by and between Pathfinder Bancorp, Inc. and Thomas W. Schneider, dated April 14, 2022 (Filed With SEC on April 19, 2022)

Exchange Agreement, dated as of November 13, 2020, by and between Pathfinder Bancorp, Inc. and Castle Creek Capital Partners VII, LP (Filed With SEC on November 17, 2020)

Indenture, dated as of October 14, 2020, by and between Pathfinder Bancorp, Inc. and UMB Bank, National Association, as trustee (Filed With SEC on October 15, 2020)

Form of Subordinated Note Purchase Agreement, dated as of October 14, 2020, by and between Pathfinder Bancorp, Inc. and the several Purchasers (Filed With SEC on October 15, 2020)

Form of Registration Rights Agreement, dated as of October 14, 2020, by and between Pathfinder Bancorp, Inc. and the several Purchasers (Filed With SEC on October 15, 2020)

Description of Common Stock (Filed With SEC on March 23, 2020)

Warrant Agreement, by and between Pathfinder Bancorp, Inc. and Castle Creek Capital Partners VII, L.P., dated May 8, 2019 (Filed With SEC on May 9, 2019)

Registration Rights Agreement, by and between Pathfinder Bancorp, Inc. and Castle Creek Capital Partners VII, L.P., dated May 8, 2019 (Filed With SEC on May 9, 2019)

Securities Purchase Agreement, by and between Pathfinder Bancorp, Inc. and the Purchasers Identified on the Signature Pages Thereto, dated May 8, 2019 (Filed With SEC on May 9, 2019)

Senior Executive Split Dollar Life Insurance Plan (Filed With SEC on January 7, 2019)

Change in Control Agreement for James Dowd (Filed With SEC on January 7, 2019)

Change in Control Agreement for Ronald Tascarella (Filed With SEC on January 7, 2019)

Executive Supplemental Retirement Plan Agreement between Pathfinder Bank and Ronald Tascarella effective February 24, 2014 (Filed With SEC on March 30, 2018)

Subordinated Loan Agreement (Filed With SEC on October 5, 2015)

PATHFINDER BANCORP, INC., as Issuer INDENTURE Dated as of March 22, 2007 WILMINGTON TRUST COMPANY, as Trustee FLOATING RATE JUNIOR SUBORDINATED DEFERRABLEINTEREST DEBENTURES DUE... (Filed With SEC on October 22, 2014)

FIRST SUPPLEMENTAL INDENTURE (Filed With SEC on October 22, 2014)

INCORPORATED UNDER THE LAWS OF MARYLAND (Filed With SEC on October 22, 2014)

AMENDEDAND RESTATED DECLARATION OFTRUST byand among WILMINGTONTRUST COMPANY, asDelaware Trustee, WILMINGTONTRUST COMPANY, asInstitutional Trustee, PATHFINDERBANCORP, INC.,... (Filed With SEC on October 22, 2014)

GUARANTEEAGREEMENT byand between PATHFINDERBANCORP, INC. and WILMINGTONTRUST COMPANY Datedas of March 22, 2007 (Filed With SEC on October 22, 2014)

PATHFINDER BANCORP, INC. (a Maryland-chartered Stock Corporation) Up to 2,300,000 Shares (Subject to Increase Up to 2,645,000 Shares) COMMON STOCK ($0.01 Par Value) Subscription... (Filed With SEC on August 18, 2014)

PATHFINDER BANCORP, INC. (a Maryland-chartered Stock Corporation) Up to 2,300,000 Shares (Subject to Increase Up to 2,645,000 Shares) COMMON STOCK ($0.01 Par Value) Subscription... (Filed With SEC on August 15, 2014)

PathfinderBANCORP, INC. (a Maryland-chartered Stock Corporation) Up to 2,300,000 Shares (Subject to Increase Up to 2,645,000 Shares) COMMON STOCK ($0.01 Par Value) Subscription... (Filed With SEC on July 23, 2014)

Keefe,Bruyette & Woods, Inc. DataProcessing Records Management Engagement Terms (Filed With SEC on June 11, 2014)

PLAN OF CONVERSION AND REORGANIZATION OF PATHFINDER BANCORP, MHC PATHFINDER BANCORP, INC. PATHFINDER BANK TABLE OF CONTENTS (Filed With SEC on April 9, 2014)

PATHFINDER BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN (Filed With SEC on February 25, 2014)

Pathfinder Bank Supplemental Executive Retirement Plan Participation Agreement January 1, 2014 (Filed With SEC on February 25, 2014)

PATHFINDERBANCORP, INC. CERTIFICATEOF DESIGNATIONS FOR FIXEDRATE CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES A (Filed With SEC on September 17, 2009)

WARRANT TO PURCHASE COMMONSTOCK (Filed With SEC on September 17, 2009)

UNITEDSTATES DEPARTMENT OF THE TREASURY 1500 PENNSYLVANIA AVENUE, NW WASHINGTON, D.C.20220 DearLadies and Gentlemen: (Filed With SEC on September 17, 2009)

EXECUTIVEDEFERRED COMPENSATIONPLAN PATHFINDERBANK EFFECTIVEAS OF: December31, 2003 AMENDEDAND RESTATED: January1, 2005 AMENDEDAND RESTATED EXECUTIVEDEFERRED COMPENSATIONPLAN (Filed With SEC on March 27, 2009)

AMENDEDAND RESTATED TRUSTEEDEFERRED FEEPLAN PATHFINDERBANK AMENDEDAND RESTATED EFFECTIVE AS OF January1, 2005 AMENDEDAND RESTATED TRUSTEEDEFERRED FEEPLAN (Filed With SEC on March 27, 2009)

PATHFINDERBANCORP, INC. PATHFINDERBANK EMPLOYMENTAGREEMENT (Filed With SEC on March 27, 2009)

PATHFINDERBANCORP, INC. PATHFINDERBANK CHANGEIN CONTROL AGREEMENT (Filed With SEC on March 27, 2009)

AMENDEDAND RESTATED EXECUTIVE SUPPLEMENTAL RETIREMENT INCOMEAGREEMENT FOR CHRISC. GAGAS PATHFINDERBANK Amendedand Restated Effective January 1, 2005 FinancialInstitution... (Filed With SEC on March 27, 2009)

AMENDEDAND RESTATED SECONDEXECUTIVE SUPPLEMENTAL RETIREMENT INCOMEAGREEMENT FORTHOMAS SCHNEIDER PATHFINDERBANK Amendedand Restated Effective January 1, 2005 FinancialInstitution... (Filed With SEC on March 27, 2009)