EX-10.4 7 doc6.txt Exhibit 10.4 Third Amendment to the NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan effective January 1, 2002. A-123 THIRD AMENDMENT TO NBT BANCORP INC. 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN WHEREAS, NBT BANCORP INC. (the "Employer") sponsors and maintains the NBT BANCORP INC. 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN (the "Plan") for the benefit of certain of its employees; and WHEREAS, Section 11.1 of the Plan authorizes the Employer to amend the Plan; and WHEREAS, the Employer desires to amend the Plan to provide express procedures for the adoption of the Plan by affiliated employers and to provide for the adoption of the Plan by certain of those affiliated employers; NOW THEREFORE, the Plan is amended, effective January 1, 2002 in the form attached hererto. NBT BANCORP INC. By: /s/ Jane E. Neal Title: Executive Vice President Date: 12/13/2001 A-124