Lake Shore Bancorp, Inc. Sample Contracts

LAKE SHORE BANCORP, INC. (a Federal Corporation in Formation) Up to 2,587,500 Shares (Subject to Increase Up to 2,975,625 Shares) COMMON STOCK ($0.01 Par Value) Subscription Price $10.00 Per Share FORM OF AGENCY AGREEMENT
Agency Agreement • January 13th, 2006 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

Lake Shore Bancorp, Inc., a federal corporation in formation (the “Holding Company”), Lake Shore, MHC, a federal mutual holding company in formation (the “MHC”) and Lake Shore Savings and Loan Association, a New York chartered mutual savings and loan association (the “Bank”) (references to the “Bank” include the Bank as a New York chartered savings and loan association and as a federally chartered savings bank and in the mutual or stock form, as indicated by the context) (collectively, the “Primary Parties”) hereby confirm, jointly and severally, their agreement with Ryan Beck & Co., Inc. (the “Agent”), as follows:

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FORM OF ONE-YEAR CHANGE OF CONTROL AGREEMENT
Change of Control Agreement • November 16th, 2007 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This CHANGE OF CONTROL AGREEMENT (the “Agreement”) is made and entered into as of November 14, 2007 (the “Effective Date”) by and among LAKE SHORE SAVINGS BANK, a federally-chartered savings bank having an office at 128 East 4th Street, Dunkirk, New York 14048 (the “Bank”), LAKE SHORE BANCORP, INC., a federally-chartered corporation having an office at 128 East 4th Street, Dunkirk, New York 14048 (the “Company”) and (the “Officer”).

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Amended And Restated Employment Agreement
Employment Agreement • March 26th, 2010 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This Amended And Restated Employment Agreement (the Agreement") is made and entered into as of April 3, 2010 (the "Effective Date") by and between Lake Shore Bancorp Inc., a federally-chartered corporation having an office at 128 East 4th Street, Dunkirk, New York 14048 (the "Company") and David C. Mancuso, an individual residing at 50 Lafayette Avenue, Dunkirk, New York 14048 (the "Executive").

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LAKE SHORE SAVINGS BANK EMPLOYMENT AGREEMENT
Employment Agreement • July 22nd, 2024 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This Employment Agreement (the “Agreement”) is made and entered into, effective as of the 16th day of July, 2024 (the “Effective Date”), by and between Lake Shore Savings Bank, a federally-chartered savings bank having its principal place of business at 128 East 4th Street, Dunkirk, New York 14048 (the “Bank”), and Kim C. Liddell, a resident of the Commonwealth of Virginia (the “Executive”). Any reference to the “Company” shall mean Lake Shore Bancorp, Inc., the parent corporation of the Bank. The Company is a signatory to this Agreement solely for the purpose of guaranteeing the Bank’s performance hereunder.

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Lake Shore Savings Bank Employment Agreement
Employment Agreement • February 3rd, 2011 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This Employment Agreement (the “Agreement”) is made and entered into as of January 28, 2011 (the “Effective Date”) by and between Lake Shore Savings Bank, a federally-chartered savings bank having an office at 128 East 4th Street, Dunkirk, New York 14048 (the “Bank”) and Daniel P. Reininga (the “Executive”).

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LAKE SHORE SAVINGS BANK AMENDED AND RESTATED SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN
Supplemental Executive Retirement Plan • January 27th, 2017 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered

This Amended and Restated Supplemental Executive Retirement Plan (the “Plan”) is entered into by and between Lake Shore Savings Bank, a federally-chartered savings bank (the “Bank”), and Daniel P. Reininga, President and Chief Executive Officer (the “Executive”) of Lake Shore Bancorp, Inc., a federally-chartered corporation and a mid-tier stock holding company (the “Company”) and the Bank effective as of January 1, 2017. The Plan supersedes the Amended and Restated Supplemental Executive Retirement Plan, dated as of May 18, 2016, in its entirety.

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amended and restated One-Year Change of Control Agreement
Change of Control Agreement • January 29th, 2018 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This Amended and Restated Change of Control Agreement (the "Agreement") is made and entered into as of January 25, 2018 (the "Effective Date") by and among Lake Shore Savings Bank, a federally-chartered savings bank having an office at 31 East Fourth Street, Dunkirk, New York 14048 (the "Bank"), Lake Shore Bancorp, Inc., a federally-chartered corporation having an office at 31 East Fourth Street, Dunkirk, New York 14048 (the "Company") and Rachel A. Foley (the "Officer").

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AGREEMENT BY AND BETWEEN Lake Shore Savings Bank Dunkirk, New York
Compliance Agreement • July 19th, 2022 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered

Lake Shore Savings Bank, Dunkirk, New York (“Bank”) and the Office of the Comptroller of the Currency (“OCC”) wish to assure the safety and soundness of the Bank and its compliance with laws and regulations.

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LAKE SHORE SAVINGS BANK EXECUTIVES AMENDED AND RESTATED SUPPLEMENTAL BENEFIT PLAN II JOINDER AGREEMENT FOR JEFFERY WERDEIN
Joinder Agreement • May 23rd, 2016 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered

WHEREAS, Lake Shore Savings Bank desires to add Jeffery Werdein as a participant in the Plan (the “Executive”) pursuant to the terms of the Plan and this Joinder Agreement (“Joinder Agreement”).

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LAKE SHORE SAVINGS BANK DIRECTORS’ SUPPLEMENTAL BENEFIT PLAN JOINDER AGREEMENT FOR SUSAN C. BALLARD
Joinder Agreement • January 7th, 2013 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered

I, Susan C. Ballard, and Lake Shore Savings Bank hereby agree that I shall participate in the Directors’ Supplemental Benefit Plan, as amended and restated effective January 1, 2007 (the “Plan”), and I do further agree to the terms and conditions thereof. Capitalized terms used but not defined in this Joinder Agreement shall have the meanings ascribed to them in the Plan.

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LAKE SHORE SAVINGS BANK EMPLOYMENT AGREEMENT
Employment Agreement • December 20th, 2024 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This Employment Agreement (the “Agreement”) is made and entered into, effective as of the 16th day of December, 2024 (the “Effective Date”), by and between Lake Shore Savings Bank, a federally-chartered savings bank having its principal place of business at 128 East 4th Street, Dunkirk, New York 14048 (the “Bank”), and Kim C. Liddell, a resident of the Commonwealth of Virginia (the “Executive”). Any reference to the “Company” shall mean Lake Shore Bancorp, Inc., the parent corporation of the Bank.

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LAKE SHORE SAVINGS BANK DIRECTORS’ SUPPLEMENTAL BENEFIT PLAN JOINDER AGREEMENT FOR TRACY S. BENNETT
Joinder Agreement • January 7th, 2013 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered

I, Tracy S. Bennett, and Lake Shore Savings Bank hereby agree that I shall participate in the Directors’ Supplemental Benefit Plan, as amended and restated effective January 1, 2007 (the “Plan”), and I do further agree to the terms and conditions thereof. Capitalized terms used but not defined in this Joinder Agreement shall have the meanings ascribed to them in the Plan.

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Lake Shore Bancorp, Inc. Employment Agreement
Employment Agreement • February 3rd, 2011 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This Employment Agreement (the “Agreement”) is made and entered into as of January 28, 2011 (the “Effective Date”) by and between Lake Shore Bancorp, Inc., a federally-chartered corporation having an office at 128 East 4th Street, Dunkirk, New York 14048 (the “Company”) and Daniel P. Reininga (the “Executive”).

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One-Year Change of Control Agreement
Change of Control Agreement • February 2nd, 2010 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This Amended and Restated Change of Control Agreement (the “Agreement”) is made and entered into as of _________________ (the “Effective Date”) by and among Lake Shore Savings Bank, a federally-chartered savings bank having an office at 128 East 4th Street, Dunkirk, New York 14048 (the “Bank”), Lake Shore Bancorp, Inc., a federally-chartered corporation having an office at 128 East 4th Street, Dunkirk, New York 14048 (the “Company”) and ____________________ (the “Officer”).

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LAKE SHORE BANCORP, INC.
Stock Option Agreement • April 3rd, 2007 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered

This Stock Option Agreement is intended to set forth the terms and conditions on which a Stock Option has been granted under the Lake Shore Bancorp, Inc. 2006 Stock Option Plan. Set forth below are the specific terms and conditions applicable to this Stock Option. Attached as Exhibit A are its general terms and conditions.

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RETENTION AGREEMENT
Retention Agreement • April 4th, 2018 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

THIS RETENTION AGREEMENT (the "Agreement") is entered into with LAKE SHORE SAVINGS BANK, a federally-chartered savings bank having an office at 31 East Fourth Street, Dunkirk, New York 14048 (the "Bank"), and Jeffrey M. Werdein (the "Executive") effective as of March 29, 2018 (the "Effective Date").

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DIRECTORS SUPPLEMENTAL BENEFIT PLAN LAKE SHORE SAVINGS AND LOAN ASSOCIATION OCTOBER 1, 2001
Directors Supplemental Benefit Plan • November 4th, 2005 • Lake Shore Bancorp, Inc.

This Directors Supplemental Benefit Plan (the “Plan”), executed as of the 1st day of October, 2001, formalizes the understanding by and between LAKE SHORE SAVINGS AND LOAN ASSOCATION (the “Association”), a mutual savings association, and its Directors, hereinafter referred to as “Director(s)”, who shall be eligible to participate in this Plan by execution of a Directors Supplemental Benefit Plan Joinder Agreement (“Joinder Agreement”) in a form provided by the Association.

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EXECUTIVES SUPPLEMENTAL BENEFIT PLAN
Executive Supplemental Benefit Plan • November 4th, 2005 • Lake Shore Bancorp, Inc.

This Executive Supplemental Benefit Plan (the “Plan”), executed as of the 1st day of October, 2001, formalizes the understanding by and between LAKE SHORE SAVINGS AND LOAN ASSOCIATION (the “Association”), a mutual savings association, and its Executives, hereinafter referred to as “Executive(s)”, who shall be eligible to participate in this Plan by executive of an Executives Supplemental Benefit Plan Joinder Agreement (“Joinder Agreement”) in a form provided by the Association.

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LAKE SHORE SAVINGS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN AGREEMENT
Supplemental Executive Retirement Plan Agreement • December 20th, 2024 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This Supplemental Executive Retirement Plan Agreement (the “Agreement”) is made and entered into this 16th day of December, 2024, by and between Lake Shore Savings Bank, a federally-chartered savings bank having its principal place of business at 128 East 4th Street, Dunkirk, New York 14048 (the “Bank”), and Kim C. Liddell, a resident of the Commonwealth of Virginia (the “Executive”). Any reference to the “Company” shall mean Lake Shore Bancorp, Inc., the parent corporation of the Bank.

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LAKE SHORE SAVINGS BANK DIRECTORS’ SUPPLEMENTAL BENEFIT PLAN JOINDER AGREEMENT FOR KEVIN M. SANVIDGE
Joinder Agreement • January 7th, 2013 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered

I, Kevin M. Sanvidge, and Lake Shore Savings Bank hereby agree that I shall participate in the Directors’ Supplemental Benefit Plan, as amended and restated effective January 1, 2007 (the “Plan”), and I do further agree to the terms and conditions thereof. Capitalized terms used but not defined in this Joinder Agreement shall have the meanings ascribed to them in the Plan.

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LAKE SHORE SAVINGS BANK SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN AGREEMENT
Supplemental Executive Retirement Plan Agreement • July 22nd, 2024 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered • New York

This Supplemental Executive Retirement Plan Agreement (the “Agreement”) is made and entered into this 16th day of July, 2023, by and between Lake Shore Savings Bank, a federally-chartered savings bank having its principal place of business at 128 East 4th Street, Dunkirk, New York 14048 (the “Bank”), and Kim C. Liddell, a resident of the Commonwealth of Virginia (the “Executive”). Any reference to the “Company” shall mean Lake Shore Bancorp, Inc., the parent corporation of the Bank.

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UNITED STATES OF AMERICA BEFORE THE BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM WASHINGTON, D.C.
Written Agreement • June 30th, 2023 • Lake Shore Bancorp, Inc. • Savings institution, federally chartered

Written Agreement by and between LAKE SHORE MHC Dunkirk, New York LAKE SHORE BANCORP, INC. Dunkirk, New York and FEDERAL RESERVE BANK OF PHILADELPHIA Philadelphia, Pennsylvania Docket No. 23-011-WA/RB-HC

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