INTRODUCTION

EXHIBIT 10.1

THE CORTLAND SAVINGS & BANKING CO.
GROUP TERM CARVE OUT PLAN

THIS PLAN is made and entered into as of this 23rd day of February, 2001,
by and between The Cortland Savings & Banking Co., an Ohio-chartered,
FDIC-insured member bank with its main offices in Cortland, Ohio (the "Bank")
and the Participant selected to participate in this Plan (the "Participant").

INTRODUCTION

The Bank wishes to attract and retain highly qualified executives. To
further this objective, the Bank is willing to divide the death proceeds of
certain life insurance policies which are owned by the Bank on the lives of the
participating executives with the designated beneficiary of each insured
participating executive. The Bank will pay the life insurance premiums from its
general assets.

ARTICLE 1
DEFINITIONS

Whenever used in this Plan, the following terms shall have the meanings
specified:

1.1 " Base Annual Salary" means the current base annual salary of the
Participant at the earliest of (1) the date of the Participant's death; (2) the
date of the Participant's Disability; (3) the date the Participant's employment
with Cortland Bancorp. or the Bank terminates within one year after a Change of
Control (except for Termination for Cause); (4) the Participant's Early
Retirement Date; or (5) the Participant's Normal Retirement Date. Current Base
Annual Salary shall be defined by reference to compensation of the type that
would be required to be reported by Securities and Exchange Commission Rule
228.402(b) (17 C.F.R. Section 228.402(b)), specifically column (c) of that
rule's Summary Compensation Table (or any successor provision).

1.2 "Change of Control" means any of the following events occur:

(a) The acquisition by a person or persons acting in concert of the
power to vote twenty-five percent (25%) or more of a class of
Cortland Bancorp.'s voting securities;

(b) The acquisition by a person of the power to direct Cortland
Bancorp.'s management or policies, if the Board of Directors of
Cortland Bancorp. has made a determination that such acquisition
constitutes or will constitute an acquisition of control of
Cortland Bancorp. for the purposes of the Bank Holding Company
Act or the Change in Bank Control Act and the regulations
thereunder;

(c) During any period of two (2) consecutive years, individuals who
at the beginning of such period constitute the Board of Directors
of Cortland Bancorp. cease for

any reason to constitute at least a majority thereof, provided,
however, that - for purposes of this clause (c) - each director
who is first elected by the Board of Cortland Bancorp. (or first
nominated by that Board for election by shareholders) by a vote
of at least two-thirds (2/3) of the directors then in office
shall be deemed to have been a director at the beginning of the
period;

(d) Cortland Bancorp. shall have merged into or consolidated with
another corporation, or merged another corporation into Cortland
Bancorp., on a basis whereby less than fifty percent (50%) of the
total voting power of the surviving corporation is represented by
shares held by persons who were shareholders of Cortland Bancorp.
immediately before such merger or consolidation; or

(e) Cortland Bancorp. shall have sold substantially all of its assets
to another person.

For purposes of this Plan, the term "person" refers to an individual,
corporation, partnership, trust, association, joint venture, pool, syndicate,
sole proprietorship, unincorporated organization or other entity.

Notwithstanding this definition of Change of Control, a Change of Control
of Cortland Bancorp. shall not be deemed to occur solely because any person
acquires beneficial ownership of more than 25% of Cortland Bancorp.'s voting
securities as a result of the acquisition of Cortland Bancorp. voting securities
by Cortland Bancorp. which reduces the number of Cortland Bancorp.'s voting
securities outstanding; provided, that if after such acquisition by Cortland
Bancorp. such person becomes the beneficial owner of additional Cortland
Bancorp. voting securities that increases the percentage of outstanding Cortland
Bancorp. voting securities beneficially owned by such person, a Change of
Control of Cortland Bancorp shall then occur.

1.3 "Compensation Committee" means either the Compensation Committee
designated from time to time by the Bank's Board of Directors (as of the date
this Plan is created, the Bank identifies the board committee performing this
function as the Executive Compensation Committee) or a majority of the Bank's
Board of Directors, either of which shall hereinafter be referred to as the
Compensation Committee.

1.4 "Disability" means, if the Participant is covered by a Bank-sponsored
disability, policy, total disability as defined in such policy without regard to
any waiting period. If the Participant is not covered by such a policy,
Disability means the Participant suffering a sickness, accident or injury which,
in the judgment of a physician satisfactory to the Bank, prevents the
Participant from performing substantially all of the Participant's normal duties
for the Bank. As a condition to any benefits, the Bank may require the
Participant to submit to such physical or mental evaluations and tests as the
Bank's Board of Directors deems appropriate. Any one of the following events
also constitutes Disability: the total and irrecoverable loss of speech or
hearing; the loss of sight of both eyes; the severance of both hands at or above
the wrist; the severance of both feet at or above the ankles; or the severance
of one entire hand and one entire foot.

1.5 "Early Retirement Age" means the Participant's attaining age 62.

1.6 "Early Termination" means the Termination of Employment before Early
Retirement Age for reasons other than death, Disability, Termination for Cause
or following a Change of Control.

1.7 "Early Termination Date" means the month, day and year in which Early
Termination Occurs.

1.8 "Insured" means the individual whose life is insured.

1.9 "Insurer" means the insurance company issuing the life insurance policy
on the life of the Insured.

1.10 "Normal Retirement Age" means the Participant attaining age 65.

1.11 "Normal Retirement Date" means the later of the Normal Retirement Age
or the date that the Participant terminates or is terminated for any reason
other than Termination for Cause.

1.12 "Participant" means the employee who is designated by the Compensation
Committee as eligible to participate in the Plan, elects in writing to
participate in the Plan using the form attached hereto as Exhibit A, and signs a
Split Dollar Endorsement for the Policy in which he or she is the Insured.

1.13 "Policy" or "Policies" means the individual insurance policy or
policies adopted by the Compensation Committee for purposes of insuring a
Participant's life under this Plan.

1.14 "Plan" means this instrument, including all amendments thereto.

1.15 "Terminated for Cause" or "Termination for Cause" means that the Bank
has terminated the Participant's employment for any of the following reasons:

(a) Gross negligence or gross neglect of duties;

(b) Commission of a felony or of a gross misdemeanor involving moral
turpitude; or

(a) Fraud, disloyalty, dishonesty or willful violation of any law or
significant Bank policy committed in connection with the
Participant's employment and resulting in an adverse effect on
the Bank. No act, or failure to act, on the Participant's part
shall be considered "willful" unless he has acted, or failed to
act, with an absence of good faith and without a reasonable
belief that his action or failure to act was in the best interest
of the Bank.

1.16 "Years of Service" means the total number of twelve-month periods
during which

the Participant serves as an employee of the Bank.

ARTICLE 2
PARTICIPATION

2.1 Eligibility to Participate. The Compensation Committee in its sole
discretion shall designate from time to time Participants that are eligible to
participate in this Plan.

2.2 Participation. The eligible executive may participate in this Plan by
executing an Election to Participate and a Split Dollar Endorsement. The Split
Dollar Endorsement shall bind the Participant and his or her beneficiaries,
assigns and transferees, to the terms and conditions of this Plan. An
executive's participation is limited to only Policies where he or she is the
Insured. Exhibit B attached hereto sets forth the original Insured Participants
and the Policies on their lives.

2.3 Termination of Participation. A Participant's rights under this Plan
shall cease and his or her participation in this Plan shall terminate if any of
the following events occur:

(a) If the Participant is Terminated for Cause.

(b) If the Participant's employment with the Bank is terminated prior
to the Early Retirement Age for reasons other than Disability or
Change of Control.

(c) If the Participant terminates employment due to Disability and
thereafter becomes gainfully employed with an entity other than
the Bank.

In the event that the Bank decides to maintain the Policy after the
Participant's termination of participation in the Plan, the Bank shall be the
direct beneficiary of the entire death proceeds of the Policy.

2.4 Maintaining the Policy and Endorsement until Death. If any of the
events listed below occur, the Bank shall maintain the Policy in full force and
effect and, in no event, shall the Bank amend, terminate or otherwise abrogate
the Participant's interest in the Policy, unless the Participant agrees pursuant
to section 8.1. The Bank may replace the Policy with a comparable insurance
policy to cover the benefit provided under this Agreement if the Bank and
Participant execute a new Split Dollar Policy Endorsement for a comparable
benefit, which Policy or any comparable policy shall be subject to the claims of
the Bank's creditors.

(a) Disability. If the Participant's employment with the Bank is
terminated due to Disability, except as set forth in section
2.3(c) herein.

(b) Retirement. If the Participant's employment with the Bank is
terminated on or after Early Retirement Age.

(c) Change of Control. If the Participant's employment with Cortland
Bancorp. or the Bank terminates within one year after a Change of
Control (except for Termination for Cause).

ARTICLE 3
POLICY OWNERSHIP/INTERESTS

3.1 Participant's Interest. With respect to each Policy, the Participant or
the Participant's assignee shall have the right to designate the beneficiary of
one of the following death benefit amounts:

(a) Pre-Retirement Death Benefit. If the Participant was employed by
the Bank at the time of death, the death benefit shall be the
lesser of : (i) two times the Participant's Base Annual Salary,
less the Participant's $50,000 group term life insurance benefit
under the Bank's group term life insurance policy; or (ii)
$500,000.

(b) Post-Retirement Death Benefit. If the Participant was no longer
employed by the Bank at the time of death, but had terminated
employment within one year after a Change of Control or had
terminated employment due to Disability or on or after Early
Retirement Age, the death benefit shall be the lesser of (i) one
times the Participant's Base Annual Salary or (ii) $500,000.

The Participant shall also have the right to elect and change settlement options
with the consent of the Bank and the Insurer.

3.2 Bank's Interest. The Bank shall own the Policies and shall have the
right to exercise all incidents of ownership except that the Bank shall not
sell, surrender or transfer ownership of a Policy so long as a Participant has
an interest in the Policy during the time periods as described in section 3.1.
This provision shall not impair the right of the Bank to terminate this Plan.
With respect to each Policy, the Bank shall be the direct beneficiary of the
remaining death proceeds of the Policy after the Participant's interest is
determined according to section 3.1.

ARTICLE 4
PREMIUMS

4.1 Premium Payment. The Bank shall pay all premiums due on all Policies.

4.2 Imputed Income. The Bank shall impute income to the Participant in an
amount equal to the current term rate for the Participant's age multiplied by
the net death benefit payable to the Participant's beneficiary. The "current
term rate" is the minimum amount required to be imputed under Revenue Rulings
64-328 and 66-110, or any subsequent applicable authority.

ARTICLE 5

ASSIGNMENT

Any Participant may assign without consideration all interests in his or
her Policy and in this Plan to any person, entity or trust. In the event a
Participant shall transfer all of his or her interest in the Policy, then all of
that Participant's interest in his or her Policy and in the Plan shall be vested
in his or her transferee, who shall be substituted as a party hereunder, and
that Participant shall have no further interest in his or her Policy or in this
Plan.

ARTICLE 6
INSURER

The Insurer shall be bound only by the terms of their corresponding Policy.
Any payments the Insurer makes or actions it takes in accordance with a Policy
shall fully discharge it from all claims, suits and demands of all persons
relating to that Policy. The Insurer shall not be bound by the provisions of
this Plan. The Insurer shall have the right to rely on the Bank's
representations with regard to any definitions, interpretations, or Policy
interests as specified under this Plan.

ARTICLE 7
CLAIMS PROCEDURE

7.1 Claims Procedure. The Bank shall notify any person or entity that makes
a claim against this Plan (the "Claimant"), in writing, within ninety (90) days
of Claimant's written application for benefits, of his or her eligibility or
benefits under this Plan. If the Bank determines that Claimant is not eligible
for benefits or full benefits, the notice shall set forth (1) the specific
reasons for such denial, (2) a specific reference to the provisions of this Plan
on which the denial is based, (3) a description of any additional information or
material necessary for the Claimant to perfect his or her claim, and a
description of why it is needed, and (4) an explanation of this Plan's claims
review procedure and other appropriate information as to the steps to be taken
if the Claimant wishes to have the claim reviewed. If the Bank determines that
there are special circumstances requiring additional time to make a decision,
the Bank shall notify the Claimant of the special circumstances and the date by
which a decision is expected to be made, and may extend the time for up to an
additional ninety (90) days.

7.2 Review Procedure. If the Claimant is determined by the Bank not to be
eligible for benefits, or if the Claimant believes that he or she is entitled to
greater or different benefits, the Claimant shall have the opportunity to have
such claim reviewed by the Bank by filing a petition for review with the Bank
within sixty (60) days after receipt of the notice issued by the Bank. Said
petition shall state the specific reasons which the Claimant believes entitles
him or her to benefits or to greater or different benefits. Within sixty (60)
days after receipt by the Bank of the petition, the Bank shall afford the
Claimant (and counsel, if any) an opportunity to present his or her position to
the Bank verbally or in writing, and the Claimant (or counsel) shall have the
right to review the pertinent documents. The Bank shall notify the Claimant of
its decision in writing within the sixty-day period, stating specifically the
basis of its decision, written in a manner calculated to be understood by the
Claimant and the specific provisions of this Plan on

which the decision is based. If, because of the need for a hearing, the
sixty-day period is not sufficient, the decision may be deferred for up to
another sixty (60) days at the election of the Bank, but notice of this deferral
shall be given to the Claimant.

ARTICLE 8
AMENDMENTS AND TERMINATION

8.1 Amendment or Termination of Plan. Except as otherwise provided in
section 2.4 and 8.2, (i) the Bank may amend or terminate the Plan at any time,
and (ii) the Bank may amend or terminate a Participant's rights under the Plan
at any time prior to a Participant's death by written notice to the Participant.

8.2 Amendment or Termination of Plan Upon Change of Control.
Notwithstanding the provisions of section 8.1, in the event of a Change of
Control, the Bank, or its successor, shall maintain in full force and effect
each Policy that is in existence on the date the Change of Control occurs and
shall not terminate or otherwise abrogate a Participant's interest in the
Policy. However, the Bank may replace the Policy with a comparable insurance
policy to cover the benefit provided under this Agreement. The Policy or any
comparable policy shall be subject to the claims of the Bank's creditors. This
section 8.2 shall apply to all Participants in the Plan on the date the Change
of Control occurs, including but not limited to (i) a retired Participant who
has an interest in a Policy; (ii) a disabled Participant who has an interest in
the Policy; and (iii) a Participant whose employment is terminated as a result
of a Change of Control.

8.3 Participant Waiver. A Participant may, in the Participant's sole and
absolute discretion, waive his or her rights under the Plan at any time. Any
waiver permitted under this section 8.3 shall be in writing and delivered to the
Board of Directors of the Bank.

ARTICLE 9
MISCELLANEOUS

9.1 Binding Effect. This Plan in conjunction with each Split Dollar
Endorsement shall bind each Participant and the Bank, their beneficiaries,
survivors, executors, administrators and transferees and any Policy beneficiary.

9.2 No Guarantee of Employment. This Plan is not an employment policy or
contract. It does not give a Participant the right to remain an employee of the
Bank, nor does it interfere with the Bank's right to discharge a Participant. It
also does not require a Participant to remain an employee nor interfere with a
Participant's right to terminate employment at any time.

9.3 Applicable Law. The Plan and all rights hereunder shall be governed by
and construed according to the laws of the State of Ohio, except to the extent
preempted by the laws of the United States of America.

9.4 Notice. Any notice, consent or demand required or permitted to be given
under the provisions of this Plan by one party to another shall be in writing,
shall be signed by the party giving or making the same, and may be given either
by delivering the same to such other party

personally, or by mailing the same, by United States certified mail, postage
prepaid, to such party, addressed to his/her last known address as shown on the
records of the Bank. The date of such mailing shall be deemed the date of such
mailed notice, consent or demand.

9.5 Entire Agreement. This Plan constitutes the entire agreement between
the Bank and the Participant as to the subject matter hereof. No rights are
granted to the Participant by virtue of this Plan other than those specifically
set forth herein.

9.6 Administration. The Bank shall have powers which are necessary to
administer this Plan, including but not limited to:

(a) Interpreting the provisions of the Plan;

(b) Establishing and revising the method of accounting for the Plan;

(d) Establishing rules and prescribing any forms necessary or
desirable to administer the Plan.

9.7 Designated Fiduciary. For purposes of the Employee Retirement Income
Security Act of 1974, if applicable, the Bank shall be the named fiduciary and
plan administrator under the Agreement. The named fiduciary may delegate to
others certain aspects of the management and operation responsibilities of the
Plan including the employment of advisors and the delegation of ministerial
duties to qualified individuals.

9.8 Severability. If for any reason any provision of this Agreement is held
invalid such invalidity shall not affect any other provision of this Agreement
not held so invalid, and each such other provision shall, to the full extent
consistent with the law, continue in full force and effect. If any provision of
this Agreement shall be held invalid in part, such invalidity shall in no way
affect the rest of such provision, not held so invalid, and the rest of such
provision, together with all other provisions of this Agreement shall, to the
full extent consistent with the law, continue in full force and effect.

9.9 Headings. The headings of Sections herein are included solely for
convenience of reference and shall not affect the meaning or interpretation of
any provision of this Agreement.

IN WITNESS WHEREOF, the Bank executes this Plan as of the date indicated
above.

BANK:
THE CORTLAND SAVINGS & BANKING CO.

BY
-------------------------------------
TITLE
----------------------------------

_____________, 2002

Name ___________________
Title __________________
The Cortland Savings & Banking Company
[ADDRESS LINE 1]
[ADDRESS LINE 2]

RE: PARTICIPATION IN GROUP TERM CARVE OUT PLAN OF THE CORTLAND SAVINGS &
BANKING COMPANY

Dear [NAME]:

The purpose of this notice is to inform you of certain changes for your
participation in the Group Term Carve Out Plan dated February 23, 2001 (the
"Plan"), which changes we, the Board of Directors of The Cortland Savings &
Banking Company (the "Bank"), have agreed to. In accordance with the terms of
the Plan, particularly Section 8.1 ("Amendment or Termination of Plan") thereof,
Participants are hereby notified of the following amendments to the Plan. The
changes as expressed in this letter are hereafter known as Amendment No. 1 of
the Plan.

Except as expressly provided to the contrary herein, all terms defined in
the Plan are used herein with the same meaning as provided therein. The changes
we have agreed to are as follows:

1.2 Article 1.4 ("Disability") of the Plan shall be replaced in its entirety by
the following:

"Disability" means the Participant's suffering a sickness, accident or
injury which has been determined by the carrier of any individual or group
disability insurance policy covering the Participant, or by the Social
Security Administration, to be a disability rendering the Participant
totally and permanently disabled. The Participant must submit proof to the
Bank of the carrier's or Social Security Administration's determination
upon the request of the Bank.

1.3 Article 7.1 ("Claims Procedure") of the Plan shall be replaced in its
entirety by the following:

7.1 Claims Procedure. A person or beneficiary ("claimant") who has not
received benefits under the Plan that he or she believes should be
paid shall make a claim for such benefits as follows:

7.1.1 Initiation - Written Claim. The claimant initiates a claim by
submitting to the Bank a written claim for the benefits.

7.1.2 Timing of Bank Response. The Bank shall respond to such claimant
within 90 days after receiving the claim. If the Bank determines that
special circumstances require additional time for processing the
claim, the Bank can extend the response period by an additional 90
days by notifying the claimant in writing, prior to the end of the
initial 90-day period, that an additional period is required. The
notice of extension must set forth the special circumstances and the
date by which the Bank expects to render its decision.

7.1.3 Notice of Decision. If the Bank denies part or all of the claim, the
Bank shall notify the claimant in writing of such denial. The Bank
shall write the notification in a manner calculated to be understood
by the claimant. The notification shall set forth:

7.1.3.1 The specific reasons for the denial,

7.1.3.2 A reference to the specific provisions of the Plan on which
the denial is based,

7.1.3.3 A description of any additional information or material
necessary for the claimant to perfect the claim and an
explanation of why it is needed,

7.1.3.4 An explanation of the Plan's review procedures and the time
limits applicable to such procedures, and

7.1.3.5 A statement of the claimant's right to bring a civil action
under ERISA [Employees Retirement Income Security Act] Section
502(a) following an adverse benefit determination on review.

1.4 Article 7.2 of the Plan ("Review Procedure") shall be replaced in its
entirety by the following:

7.2 Review Procedure. If the Bank denies part or all of the claim, the
claimant shall have the opportunity for a full and fair review by the
Bank of the denial, as follows:

7.2.1 Initiation - Written Request. To initiate the review, the
claimant,

within 60 days after receiving the Bank's notice of denial, must
file with the Bank a written request for review.

7.2.2 Additional Submissions - Information Access. The claimant shall
then have the opportunity to submit written comments, documents,
records and other information relating to the claim. The Bank
shall also provide the claimant, upon request and free of charge,
reasonable access to, and copies of, all documents, records and
other information relevant (as defined in applicable ERISA
regulations) to the claimant's claim for benefits.

7.2.3 Considerations on Review. In considering the review, the Bank
shall take into account all materials and information the
claimant submits relating to the claim, without regard to whether
such information was submitted or considered in the initial
benefit determination.

7.2.4 Timing of Bank Response. The Bank shall respond in writing to
such claimant within 60 days after receiving the request for
review. If the Bank determines that special circumstances require
additional time for processing the claim, the Bank can extend the
response period by an additional 60 days by notifying the
claimant in writing, prior to the end of the initial 60-day
period, that an additional period is required. The notice of
extension must set forth the special circumstances and the date
by which the Bank expects to render its decision.

7.2.5 Notice of Decision. The Bank shall notify the claimant in
writing of its decision on review. The Bank shall write the
notification in a manner calculated to be understood by the
claimant. The notification shall set forth:

7.2.5.1 The specific reason for the denial,

7.2.5.2 A reference to the specific provisions of the Plan on
which the denial is based,

7.2.5.3 A statement that the claimant is entitled to receive,
upon request and free of charge, reasonable access to, and
copies of, all documents, records and other information
relevant (as defined in applicable ERISA regulations) to the
claimant's claim for benefits, and

7.2.5.4 A statement of the claimant's right to bring a civil
action

under ERISA Section 502(a).

WHEREAS, the Compensation Committee of the Board of Directors of the Bank
has authorized the aforementioned changes to the Plan pursuant to action on
April 16, 2002.

Except as expressly modified herein, all the terms, covenants, and
provisions of the Plan shall continue in full force and effect.

THE CORTLAND SAVINGS & BANKING COMPANY

----------------------------------------
By: Xxxxxx X. Xxxxx
Its: President and Chief
Executive Officer

EXHIBIT A

ELECTION TO PARTICIPATE

I, _________________________________ , an eligible employee as
determined in section 2.1 of the Cortland Savings and Banking Co. Group Term
Carve Out Plan (the "Plan") dated as of ___ February 23, 2001, hereby elect to
become a Participant of the Plan in accordance with Section 2.2 of the Plan.
Additionally, I acknowledge that I have read the Plan document and agree to be
bound by its terms.

Executed this _______________ day of _________________, 2001.

------------------------------------- ----------------------------------------
Witness Participant

EXHIBIT B
LIST OF PARTICIPANTS

PARTICIPANT'S NAME INSURER POLICY NUMBER
------------------ ------- -------------

Xxxxxx Xxxxx Great-West Life & Annuity Ins. Co 85998008

Xxxxxxx X. Xxxx Great-West Life & Annuity Ins. Co 85998009

Xxxxxxx Xxxxxx Great-West Life & Annuity Ins. Co 85998010

Xxxxx Xxxx Great-West Life & Annuity Ins. Co 85998011

Xxxxxxx Xxxxx Great-West Life & Annuity Ins. Co 85998012

Xxxxxx Xxxxxxx, XX Great-West Life & Annuity Ins. Co 85998013

Xxxxxxxx X. Xxxxxxxxx Great-West Life & Annuity Ins. Co 85998014

Xxxxx X. Xxxxxx Great-West Life & Annuity Ins. Co 85998015

Xxxxxx Xxxxxxx Great-West Life & Annuity Ins. Co 85998016

Xxxxxxx Xxxxx Great-West Life & Annuity Ins. Co 85998017

Xxxxx Xxxx Great-West Life & Annuity Ins. Co 85998018

Xxxx Mediate Great-West Life & Annuity Ins. Co 85998019

Xxxxx Xxxxxx Great-West Life & Annuity Ins. Co 85998020

Xxxxxx Xxxxxxx Great-West Life & Annuity Ins. Co 85998021

Xxxxx Xxxxxxxx Great-West Life & Annuity Ins. Co 85998022

Xxxxx Xxxxx Great-West Life & Annuity Ins. Co 85998023

Xxxx Xxxxxxx Great-West Life & Annuity Ins. Co 85998024

Xxxxxxx Xxxxxxxx Great-West Life & Annuity Ins. Co 85998025

Xxxxx Xxxxxx Great-West Life & Annuity Ins. Co 85998026

Xxxxxxx X. Xxxxxx Great-West Life & Annuity Ins. Co 85998027

Xxxxxxxx Xxxx Great-West Life & Annuity Ins. Co 85998028

Xxxxx X. Xxxxx Great-West Life & Annuity Ins. Co 85998029

(group term carve out plan. without split $ endorsement cortland )

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Table of Contents

INTRODUCTION

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