Lake Shore Bancorp, Inc. Watch

from 8-K 24 pages Directors’ Supplemental Benefit Plan Lake Shore Savings Bank (Formerly Lake Shore Savings and Loan Association) Originally Effective October 1, 2001, as Amended and Restated Effective January 1, 2005 Further Amended and Restated Effective January 1, 2007 Directors’ Supplemental Benefit Plan

from 8-K 25 pages Executives’ Supplemental Benefit Plan Lake Shore Savings Bank (Formerly Lake Shore Savings and Loan Association) Originally Effective October 1, 2001, as Amended and Restated Effective January 1, 2005 Further Amended and Restated Effective January 1, 2007 Executives’ Supplemental Benefit Plan

from S-1 17 pages Directors Supplemental Benefit Plan Lake Shore Savings and Loan Association October 1, 2001 Directors Supplemental Benefit Plan

from S-1 18 pages This Directors Supplemental Benefit Plan (The “Plan”), Executed as of the - Day of 1999, Formalizes the Understanding by and Between Lake Shore Savings and Loan Association (The “Association”), a Mutual Savings Association, and Its Directors, Hereinafter Referred to as “Director(s)”, Who Shall Be Eligible to Participate in This Plan by Execution of a Directors Supplemental. Benefit Plan Joinder Agreement (“Joinder Agreement”) in a Form Provided by the Association