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 Price $10.00 Per Share AGENCY AGREEMENT August 12, 2014Agency Agreement • August 18th, 2014 • Pathfinder Bancorp Inc • Savings institutions, not federally chartered • New York
