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AMENDMENT NO. 1 TO
EVANS BANK, N.A.
AMENDED AND RESTATED
SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

This Amendment No. 1 (the “Amendment”) to the Evans Bank, N.A. Amended and Restated Supplemental Executive Retirement Plan (the “SERP”) is effective January 1, 2009.

WHEREAS , the parties wish to amend the SERP only with respect to William R. Glass (“Mr. Glass”) in order to change the definition of “Final Average Earnings,” and to provide for a lump sum payment that is the actuarial equivalent to installments paid over 20 years; and

WHEREAS , Section 6.8(A) of the SERP


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