| 2003 | 9 | 557 | $17,247,311 | $1,805,417 | $3,241iApproximate average salary by contribution assumption: employee only about $81,033 at 4% or $54,022 at 6%; with 50% employer match about $54,022 at 4% or $36,015 at 6%; with 100% employer match about $40,517 at 4% or $27,011 at 6%. |
| BSB BANK & TRUST COMPANY 401K SAVINGS PLAN | - | 526 | $17,247,311 | $1,805,417 | $3,432iApproximate average salary by contribution assumption: employee only about $85,809 at 4% or $57,206 at 6%; with 50% employer match about $57,206 at 4% or $38,137 at 6%; with 100% employer match about $42,904 at 4% or $28,603 at 6%. |
| BSB BANK & TRUST CO FLEXIBLE SPENDING ACCOUNT | - | 107 | - | - | - |
| BSB BANK & TRUST COMPANY EXCELLUS BLUE PPO HEALTH PLAN | - | 436 | - | - | - |
| Group Long Term Disability Insurance | - | 557 | - | - | - |
| Bsb Bank & Trust Company Bluecross Blueshield Medicare Supplement Insurance | - | 0 | - | - | - |
| GROUP TERM LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE | - | 527 | - | - | - |
| Bsb Bank & Trust Company Excellus Benefit Services Dental Alan | - | 450 | - | - | - |
| BSB BANK & TRUST COMPANY BLUECROSS BLUESHIELD BLUEPREFFERED HEALTH PLAN | - | 0 | - | - | - |
| BSB BANK & TRUST COMPANY EXCELLUS BLUE PPO HEALTH PLAN | - | 436 | - | - | - |
| 2002 | 8 | 551 | $12,786,650 | $1,717,709 | $3,117iApproximate average salary by contribution assumption: employee only about $77,936 at 4% or $51,957 at 6%; with 50% employer match about $51,957 at 4% or $34,638 at 6%; with 100% employer match about $38,968 at 4% or $25,979 at 6%. |
| BSB BANK & TRUST COMPANY 401K SAVINGS PLAN | - | 499 | $12,786,650 | $1,717,709 | $3,442iApproximate average salary by contribution assumption: employee only about $86,058 at 4% or $57,372 at 6%; with 50% employer match about $57,372 at 4% or $38,248 at 6%; with 100% employer match about $43,029 at 4% or $28,686 at 6%. |
| BSB BANK & TRUST CO FLEXIBLE SPENDING ACCOUNT | - | 93 | - | - | - |
| BSB BANK & TRUST COMPANY BLUECROSS BLUESHIELD BLUE PREFERRED HEALTH PLAN | - | 435 | - | - | - |
| GROUP TERM LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE | - | 530 | - | - | - |
| Group Long Term Disability Insurance | - | 551 | - | - | - |
| Bsb Bank & Trust Company Excellus Benefit Services Dental Alan | - | 450 | - | - | - |
| Bsb Bank & Trust Company Bluecross Blueshield Medicare Supplement Insurance | - | 0 | - | - | - |
| The Retirement Plan of Bsb Bank & Trust Company in Rsi Retirement Trust | - | 421 | - | - | - |
| 2001 | 11 | 547 | $14,167,613 | $2,092,686 | $3,826iApproximate average salary by contribution assumption: employee only about $95,644 at 4% or $63,763 at 6%; with 50% employer match about $63,763 at 4% or $42,508 at 6%; with 100% employer match about $47,822 at 4% or $31,881 at 6%. |
| BSB BANK & TRUST COMPANY 401K SAVINGS PLAN IN RSI RETIREMENT TRUST | - | 485 | $14,167,613 | $2,092,686 | $4,315iApproximate average salary by contribution assumption: employee only about $107,870 at 4% or $71,914 at 6%; with 50% employer match about $71,914 at 4% or $47,942 at 6%; with 100% employer match about $53,935 at 4% or $35,957 at 6%. |
| Bsb Bank & Trust Company Bluecross Blueshield Medicare Supplement Insurance | - | 0 | - | - | - |
| Bsb Bank & Trust Company Bluepoint Health Plan | - | 0 | - | - | - |
| Bsb Bank & Trust Company Excellus Benefit Services Dental Alan | - | 441 | - | - | - |
| Group Term Life and Accidental Death & Dismemberment Insurance | - | 0 | - | - | - |
| GROUP TERM LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE | - | 505 | - | - | - |
| Group Long Term Disability Insurance | - | 547 | - | - | - |
| Bsb Bank & Trust Company Blue Cross Blue Shield Health Plan | - | 0 | - | - | - |
| The Retirement Plan of Bsb Bank & Trust Company in Rsi Retirement Trust | - | 443 | - | - | - |
| Bsb Bank & Trust Company Capital District Physicians Health Plan | - | 0 | - | - | - |
| BSB BANK & TRUST COMPANY BLUECROSS BLUESHIELD BLUEPREFERRED HEALTH PLAN | - | 424 | - | - | - |
| 2000 | 9 | 435 | $13,542,582 | $1,249,508 | $2,872iApproximate average salary by contribution assumption: employee only about $71,811 at 4% or $47,874 at 6%; with 50% employer match about $47,874 at 4% or $31,916 at 6%; with 100% employer match about $35,905 at 4% or $23,937 at 6%. |
| BSB BANK & TRUST COMPANY 401K SAVINGS PLAN IN RSI RETIREMENT TRUST | - | 390 | $13,542,582 | $1,249,508 | $3,204iApproximate average salary by contribution assumption: employee only about $80,097 at 4% or $53,398 at 6%; with 50% employer match about $53,398 at 4% or $35,599 at 6%; with 100% employer match about $40,048 at 4% or $26,699 at 6%. |
| Bsb Bank & Trust Company Excellus Benefit Services Dental Alan | - | 357 | - | - | - |
| Group Long Term Disability Insurance | - | 428 | - | - | - |
| Bsb Bank & Trust Company Bluecross Blueshield Medicare Supplement Insurance | - | 0 | - | - | - |
| The Retirement Plan of Bsb Bank & Trust Company in Rsi Retirement Trust | - | 435 | - | - | - |
| Bsb Bank & Trust Company Bluepoint Health Plan | - | 229 | - | - | - |
| Group Term Life and Accidental Death & Dismemberment Insurance | - | 406 | - | - | - |
| Bsb Bank & Trust Company Capital District Physicians Health Plan | - | 25 | - | - | - |
| Bsb Bank & Trust Company Blue Cross Blue Shield Health Plan | - | 91 | - | - | - |
| 1999 | 8 | 438 | $23,347,805 | $0 | - |
| The Retirement Plan of Bsb Bank & Trust Company in Rsi Retirement Trust | - | 434 | $23,347,805 | - | - |
| Bsb Bank & Trust Company Bluecross Blueshield Medicare Supplement Insurance | - | 0 | - | - | - |
| Group Term Life and Accidental Death & Dismemberment Insurance | - | 433 | - | - | - |
| Bsb Bank & Trust Company Excellus Benefit Services Dental Alan | - | 364 | - | - | - |
| Bsb Bank & Trust Company Blue Cross Blue Shield Health Plan | - | 96 | - | - | - |
| Bsb Bank & Trust Company Bluepoint Health Plan | - | 221 | - | - | - |
| Bsb Bank & Trust Company Capital District Physicians Health Plan | - | 32 | - | - | - |
| Group Long Term Disability Insurance | - | 438 | - | - | - |