0000927089-00-500168 Sample Contracts

Contract
Agreement and Plan of Merger • December 1st, 2000 • Hudson River Bancorp Inc • Savings institutions, not federally chartered • Delaware

AGREEMENT AND PLAN OF MERGER by and between HUDSON RIVER BANCORP, INC. HUDSON RIVER BANK & TRUST COMPANY and COHOES BANCORP, INC. Dated November 24, 2000 NEXT PAGE TABLE OF CONTENTS

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