(Exhibit 10.4) Employment Agreement-John R. Kohmel
This Employment Agreement (the "Agreement") is made and entered into as of the 15th day of April, 2001
between FINANCIAL INSTITUTIONS, INC. ("FII" or "Employer"), a bank holding company chartered under
the laws of New York having its principal office at 220 Liberty Street, Warsaw, New York 14569 and JOHN
R. KOELMEL ("Executive"), an individual residing at 5576 Oakridge Drive, Hamburg, New York, 14075.
WHEREAS, Employer wishes to employ Executive in an executive capacity, as its Chief Administrative Officer,
and Executive wishes to accept such employment on the terms and conditions set forth herein;
NOW, THEREFORE, in consideration of the mutual promises, benefits and covenants herein contained,
Employer and Executive hereby agree as follows:
IN WITNESS WHEREOF, the parties hereto have executed this Agreement on the date first above written.
1. Effective Date; Term.
1.1 Effective Date. This Agreement shall be effective commencing on the date hereof (the "Effective Date").
1.2 Initial Term. Employer employs Executive, and Executive accepts such employment, for a three (3) year
period commencing on the Effective Date (the "Initial Term").
1.3 Renewal Term. This Agreement will automatically renew for successive three (3) year terms (each a
"Renewal Term") upon the expiration of the Initial Term or a subsequent Renewal Term unless either party
provides written notice to the other at least ninety (90) days before the end of the Initial Term or Renewal Term
that such party does not intend to renew this Agreement upon the expiration thereof.
1.4 Termination. This Agreement may be terminated prior to the expiration of the Initial Term or any Renewal
Term as provided in Sections 4.1 and 4.4 of this Agreement (see Early Retired Employee).
2. Scope of Employment.
2.1 Position and Duties. During the term of this Agreement, Employer shall employ Executive to serve as the
Chief Administrative Off