Exhibit 10.1 July 3, 2002 PERSONAL AND CONFIDENTIAL Mr. John R. Koelmel 5576 Oakridge Drive Hamburg, New York 14075 Dear John: Re: Confidential Separation Agreement and General Release This letter (the "Letter Agreement") will confirm your resignation...Confidential Separation Agreement and General Release • November 13th, 2002 • Financial Institutions Inc • National commercial banks
