Exhibit 10.21 CONSULTING AGREEMENT Agreement made this 5th day of January, 2006 by and between AM&M Financial Services, Inc., a corporation with offices at 179 Sully's Trail, Suite 200, Pittsford, New York 14534 ("Parent"), Achzet Family Enterprises,...Consulting Agreement • March 16th, 2006 • Tompkins Trustco Inc • State commercial banks • Florida
