0001193125-05-040782 Sample Contracts

PROVIDENT BANK
401(k) Plan Agreement • March 2nd, 2005 • Provident Bancorp Inc/Ny/ • Savings institutions, not federally chartered

THIS AGREEMENT is made and entered into as of the 28th day of August 2003, between PROVIDENT BANK (hereafter referred to as the “Sponsor”) and GEORGE STRAYTON, DANIEL ROTHSTEIN and ROBERT SANSKY (hereafter collectively referred to as the Trustee).

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