EXHIBIT 10.3 CHANGE OF CONTROL SEVERANCE This Change of Control Severance Agreement ("Agreement") is entered into as of January 22, 1996, by and between BSB BANCORP, INC. (the "Corporation"), a Delaware corporation, and its wholly owned subsidiary BSB...Change of Control Severance • March 29th, 1996 • BSB Bancorp Inc • State commercial banks • New York
