Document:

State Street's Management Supplemental Retirement Plan Amended and Restated

 Exhibit 10.1 
 State Street Corporation 
 Management Supplemental Retirement Plan 
 Second Amendment and Restatement, Effective January 1, 2008 

 STATE STREET CORPORATION 
 MANAGEMENT SUPPLEMENTAL RETIREMENT PLAN 
 Second Amendment and Restatement, Effective January 1, 2008

  

	1.	Purpose. This Management Supplemental Retirement Plan was adopted effective October 1, 1987 (as the State Street Corporation Supplemental Executive Retirement Plan) in
order to increase the overall effectiveness of the Company’s executive compensation program so as to attract, retain, and motivate qualified senior management personnel, by providing benefits that are consistent with the particular needs of
such personnel, and that are supplemental to benefits provided under the State Street Retirement Plan. The Plan was previously amended and restated, effective January 1, 2008. Except as otherwise specified herein, this document amends and
restates the provisions of the Plan, effective January 1, 2008. 

  

	2.	Status of Plan. The Plan is intended to be “a plan which is unfunded and is maintained by an employer primarily for the purpose of providing deferred compensation for a
select group of management or highly compensated employees” within the meaning of Sections 201(2), 301(a)(3), 401(a)(1) and 4021(b)(6) of ERISA, and shall be interpreted and administered consistent with that intent. The Plan is intended to be
operated in accordance with the requirements applicable to a “nonqualified deferred compensation plan” under Section 409A of the Code and the regulations thereunder and shall be interpreted and administered consistent with that
intent. 

  

	3.	Definitions. When used herein, the following words shall have the meanings indicated below. Terms not defined herein shall have the meanings assigned to them in the State
Street Retirement Plan, as from time to time amended and in effect. 

  

	 	(a)	Actuarial Equivalent means a benefit of equal value to the benefit which otherwise would have been provided, determined on the basis of the actuarial assumptions and methods
then in use under the Retirement Plan. 

  

	 	(b)	Business Day means each day that the New York Stock Exchange is open for business. 

  

	 	(c)	Committee means the Executive Compensation Committee of the Board of Directors of State Street. 

  

	 	(d)	Company means State Street and, as used herein, shall be deemed to include any subsidiary or affiliate of State Street that is a participating employer under the Retirement
Plan. 

	 	(e)	Disabled means, for any Participant, that the Participant, prior to Separation from Service, as determined in the sole discretion of the Committee: 

 

	 	(i)	is unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment that can be expected to result in death or can be
expected to last for a continuous period of not less than 12 months, or 

  

	 	(ii)	is, by reason of any medically determinable physical or mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less than
12 months, receiving income replacement benefits for a period of not less than 6 months under an accident and health plan covering employees of the Employer. 

  

	 	(f)	Executive Plan means the State Street Corporation Executive Supplemental Retirement Plan (formerly the State Street Corporation Supplemental Defined Benefit Pension Plan), as
amended and restated January 1, 2008. 

  

	 	(g)	Participant means any individual described in Section 4. 

  

	 	(h)	Plan means this State Street Corporation Management Supplemental Retirement Plan (formerly the State Street Corporation Supplemental Executive Retirement Plan), as from time
to time amended and in effect. 

  

	 	(i)	Retirement Plan means the State Street Retirement Plan, as from time to time amended and in effect. 

  

	 	(j)	Retirement Plan Benefit means the benefit actually payable under the Retirement Plan to a Participant or a Participant’s Beneficiary. 

  

	 	(k)	Separation from Service means a separation from service, within the meaning of Treas. Regs. §1.409A-1(h), with State Street and any other company that would be treated
as a single employer with State Street under the first sentence of Treas. Regs. §1.409A-1(h)(3); and correlative terms shall be construed to have a corresponding meaning. 

  

	 	(l)	Supplemental Plan Benefit means the benefit payable to a Participant or a Beneficiary hereunder. 

  

	4.	Participation. Any individual who was participating in the Plan as of December 31, 2007 (including, for the avoidance of doubt, any individual with vested but unpaid
benefits under the Plan) shall be a Participant in the Plan effective January 1, 2008. Participation in the plan is terminable by the Committee in its discretion upon written notice to the Participant and termination shall be effective as of
the date contained therein, but in no event earlier than the date of such notice. Notwithstanding anything herein to the contrary, no individual may become a Participant under this Plan after December 31, 2007. 

  

	5.	Amount of Benefits. Benefits shall be payable hereunder only to (a) Participants who have a Separation from Service on or after their Normal Retirement Date, and their
Spouses or other Beneficiaries; (b) Participants who have a Separation from Service prior 

  

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to January 1, 2008 after having completed at least five years of Vesting Service, or on or after January 1, 2008 after having completed at least
three years of Vesting Service, and their Spouses or other Beneficiaries; (c) Participants who become Disabled, and their Spouses or other Beneficiaries; and (d) Spouses or other Beneficiaries of Participants who die while employed by the
Company. Benefits hereunder shall be paid in an amount equal to (1) minus the sum of (2) and (3), where: 

  

	 	(1)	is the lump-sum Actuarial Equivalent of the Participant’s Retirement Plan Benefit as it would be determined under the applicable provisions of the Retirement Plan applied
without regard to any provision of the Retirement Plan or any requirement imposed by law upon qualified pension plans which limits the benefits under the Retirement Plan to any maximum amount (including, without limitation, the provisions of
Section 415 of the Code) and without regard to any such provision of the Retirement Plan or of law which limits the amount of annual compensation of a Participant which may be taken into account in determining benefits (including, without
limitation, the provisions of Section 401(a)(17) of the Code); 

  

	 	(2)	is the lump-sum Actuarial Equivalent of the Participant’s actual Retirement Plan Benefit; and 

  

	 	(3)	is the portion, if any, of the amount determined under (1) above that is determined with reference to Basic Credits under Section 4.4(b) of the Retirement Plan, to the
extent such portion reflects Base Pay in excess of $500,000. 

 In the event that a Participant’s coverage under this Plan
is terminated or interrupted before the occurrence of any event described in the preceding paragraph, but such Participant nevertheless continues in the employment of the Company until the occurrence of such an event, the amount of his or her
benefit shall be adjusted by the Committee in a reasonable and consistent manner to reflect such termination or interruption. 
  

	6.	Time and Form of Payment. Benefits under the Plan shall be paid as follows: 

  

	 	(a)	A Participant whose Supplemental Plan Benefit commenced prior to January 1, 2008 shall continue to receive his or her benefits in same form after January 1, 2008.

  

	 	(b)	A Participant who has a Separation from Service on or after January 1, 2008 shall be paid his or her Supplemental Plan Benefit in a single lump sum on the first business day
after the date that follows the Participant’s Separation from Service by six months. 

  

	 	(c)	A Participant who had a Separation from Service prior to January 1, 2008 but whose Supplemental Plan Benefit has not been paid or commenced prior to January 1, 2009 shall
be paid his or her Supplemental Plan Benefit in a single lump sum on July 1, 2009. 

  

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	 	(d)	Notwithstanding paragraphs (b) and (c) above, a Participant who is entitled to payment under the Executive Plan and whose Supplemental Plan Benefit has not been paid or
commenced prior to January 1, 2008 shall be paid his or her Supplemental Plan Benefit in three equal installments, on (i) the first Business Day after the date that follows the date of the Participant’s Separation from Service by six
months, (ii) the first anniversary of the date of the Participant’s Separation from Service (or if such date is not a Business Day, the immediately following Business Day), and (iii) the second anniversary of the date of the
Participant’s Separation from Service (or if such date is not a Business Day, the immediately following Business Day). 

  

	 	(e)	Notwithstanding paragraphs (b), (c) and (d) above, if a Participant becomes Disabled and remains Disabled through the payment date specified in (i) or (ii) below, the
Participant’s unpaid Supplemental Plan Benefit shall be distributed as follows: 

  

	 	(i)	if the Participant is entitled to benefits under the Executive Plan payable pursuant to the provisions set forth in Exhibit A to the Executive Plan, then upon the Participant’s
becoming Disabled before benefits have commenced under paragraph (d), and provided the Participant remains Disabled through the first payment date described in this paragraph (e)(ii), the Participant’s Supplemental Plan Benefit shall be paid in
three equal installments, with the first installment being paid by the later of (A) the end of the calendar year in which the Participant becomes Disabled, and (B) the fifteenth day of the third month following the date on which the
Participant becomes Disabled, and the remaining installments being paid on the first and second anniversaries of the first payment date, provided, that if either the first or the second anniversary of the first payment date is not a Business Day,
payment shall be made on the immediately following Business Day; and 

  

	 	(ii)	if the Participant is not entitled to benefits under the Executive Plan payable pursuant to the provisions set forth in Exhibit A to the Executive Plan, the Participant’s
unpaid Supplemental Plan Benefit shall be paid in a single lump sum, by the later of (A) the end of the calendar year in which the Participant becomes Disabled, and (B) the fifteenth day of the third month following the date on which the
Participant becomes Disabled, provided the Participant has remained Disabled through the date of payment. 

  

	 	(f)	Notwithstanding paragraphs (b), (c), (d) and (e) above, a Participant’s unpaid Supplemental Plan Benefit shall be distributed in a single lump sum cash payment to the
Participant’s Beneficiary or Beneficiaries as soon as practicable (and in all events within 90 days) following the Participant’s death. 

  

	 	(g)	Notwithstanding anything to the contrary in the Plan, in the event a Participant who has Separated from Service subsequently returns to employment with the 

 

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	 	Company, payment of the Participant’s Supplemental Plan Benefit accrued prior to such Separation from Service shall not be suspended or otherwise delayed.

  

	7.	Administration and Claims. The complete authority to control and manage the operation and administration of the Plan shall be placed in the Committee. The determination of
the Committee as to any disputed question shall be conclusive. All actions, decisions and interpretations of the Committee shall be performed in a uniform and non-discriminatory manner. The Committee has established the procedures set forth on
Exhibit A for determining claims for benefits under the Plan. The Committee may modify or update Exhibit A from time to time without any amendment under Section 9 being required. 

  

	8.	Miscellaneous. 

  

	 	(a)	Source of payments. All payments hereunder shall be paid from the general assets of State Street, including for this purpose, if State Street in its sole discretion so
determines, assets of one or more trusts established to assist in the payment of benefits hereunder. Any trust established pursuant to the preceding sentence shall provide that trust assets remain subject to the employer’s general creditors in
the event of insolvency or bankruptcy and shall otherwise contain such terms as are necessary to ensure that they do not constitute a “funding” of the Plan for purposes of the Code or ERISA. 

  

	 	(b)	Certain tax matters. Payments hereunder shall be reduced by required tax withholdings. If any portion of a Participant’s Supplemental Plan Benefit is determined by the
Committee to be includible by reason of Section 409A in a Participant’s or Beneficiary’s income prior to the time provided for payment under paragraph 6 above, such portion shall be paid to the Participant or Beneficiary as soon as
practicable. 

  

	 	(c)	Inalienability of benefits. Except as required by law, no benefit under, or interest in, the Plan shall be subject in any manner to anticipation, alienation, sale, transfer,
assignment, pledge, encumbrance, or charge, and any attempt to do so shall be void. Neither the Participant, nor a Spouse, nor any Beneficiary shall be entitled to have such payments commuted or made otherwise than in accordance with the provisions
of the Plan. 

  

	 	(d)	Reclassification of Employment Status. Notwithstanding anything herein to the contrary, an individual who is not characterized or treated as a common law employee by the
Company shall not be eligible to participate in the Plan. However, in the event that such an individual is reclassified or deemed to be reclassified as a common law employee, the individual shall be eligible to participate in the Plan as of the
Entry Date coinciding with or next following the reclassification date (to the extent such individual otherwise qualifies as an to participate in the Plan). If the effective date of any such reclassification is prior to the actual date of such
reclassification, in no event shall the reclassified individual be eligible to participate in the Plan retroactively to the effective date of such reclassification. 

  

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	 	(e)	No right of employment. Nothing contained herein, nor any action taken under the provisions hereof, shall be construed as giving any Participant the right to be retained in
the employ of the Company. 

  

	 	(f)	Headings. The headings of the sections in the Plan are placed herein for convenience of reference, and, in the case of any conflict, the text of the Plan, rather than such
heading, shall control. 

  

	 	(g)	Construction. The Plan shall be construed, regulated, and administered in accordance with the laws of the Commonwealth of Massachusetts and applicable federal laws.

  

	9.	Amendment or Discontinuance. The Committee may amend or discontinue this Plan at any time without prior notice of intent. However, the Company undertakes to ensure that this
Plan will be binding upon any present or future parent, subsidiary or affiliate of the Company or any person, firm or corporation with which the Company may be merged or consolidated or which may acquire all or substantially all of the assets of the
Company. No amendment or discontinuance of the Plan shall deprive any Participant who has had a Separation from Service, or any Spouse or other Beneficiary of a deceased Participant, of any Supplemental Plan Benefits to which he or she was entitled
under the Plan as in effect immediately prior to such amendment or discontinuance, and no discontinuance or amendment shall adversely affect the Supplemental Plan Benefit accrued hereunder by any Participant prior to the effective date of such
amendment. For purposes of this Section 9, the Supplemental Plan Benefit accrued by a Participant at the time of any amendment or discontinuance shall be deemed to be the benefit to which the Participant would have been entitled under the
provisions of Section 5 if the Participant had Separated from Service on the date of such amendment or discontinuance. 

 Executed this 30th day of December, 2008. 
  

			
	STATE STREET CORPORATION
		
	By:	 	/s/ Alison A. Quirk
		 	Executive Vice President

  

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 Exhibit A 
 STATE STREET CORPORATION 
 DEFERRED COMPENSATION PLAN CLAIMS PROCEDURES 
 (Amended and Restated Effective January 1, 2008) 
 These Claims Procedures for filing and reviewing claims have been established and adopted for the State Street Corporation Management Supplemental Savings Plan, and the State Street Corporation Management Supplemental Retirement Plan (each,
a “Plan,” and together, the “Plans”) and are intended to comply with Section 503 of ERISA and related Department of Labor regulations. These amended and restated Claims Procedures are effective for claims made under the
Plans on or after January 1, 2008. 
 1. In General. Any employee or former employee, or any person claiming to be a beneficiary with respect to
such a person, may request, with respect to any of the Plans: 
  

	 	a)	a benefit payment, 

  

	 	b)	a resolution of a disputed amount of benefit payment, or 

  

	 	c)	a resolution of a dispute as to whether the person is entitled to the particular form of benefit payment. 

 A request described above and filed in accordance with these Procedures is a claim, and the person on whose behalf the claim is filed is a claimant. A claim must relate
to a benefit which the claimant asserts he or she is already entitled to receive or will become entitled to receive within one year following the date the claim is filed. 
 2. Effect on Benefit Requests in Due Course. Each Plan has established procedures for benefit applications, selection of benefit forms, designation of beneficiaries, determination of qualified domestic
relations orders, and similar routine requests and inquiries relating to the operation of the Plan. 
 3. Filing of Claims. 
  

	 	a)	Each claim must be in writing and delivered by hand or first-class mail (including registered or certified mail) to the Plan Administrator, at the following address:

 GHR U.S. Benefits Planning 
 State Street Corporation 
 c/o Vice President, GHR-U.S. Benefits Planning 
 2 Avenue de Lafayette, LCC lE 
 Boston, MA
02111-1724 
 A claim must clearly state the specific outcome being sought by the claimant. 
  

	 	b)	The claim must also include sufficient information relating to the identity of the claimant and such other information reasonably necessary to allow the claim to be evaluated.

  

	 	c)	In no event may a claim for benefits be filed by a Claimant more than 120 days after the applicable “Notice Date,” as defined below. 

  

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	 	i)	In any case where benefits are paid to the Claimant as a lump sum, the Notice Date shall be the date of payment of the lump sum. 

  

	 	ii)	In any case where benefits are paid to the Claimant in the form of an annuity or installments, the Notice Date shall be the date of payment of the first installment of the annuity
or payment of first installment. 

  

	 	iii)	In any case where the Plan (prior to the filing of a claim for benefits) determines that an individual is not entitled to benefits (for example (without limitation) where an
individual terminates employment and the Plan determines that he has not vested) and the Plan provides written notice to such person of its determination, the Notice Date shall be the date of the individual’s receipt of such notice.

  

	 	iv)	In any case where the Plan provides an individual with a written statement of his account as of a specific date or the amounts credit to, or charged against, his account within a
specified period, the Notice Date with regard to matters describe in such statement shall be the date of the receipt of such notice by such individual (or beneficiary). 

 4. Processing of Claims. A claim normally shall be processed and determined by the Plan Administrator within a reasonable time (not longer than 90 days) following actual receipt of the claim. However, if the
Plan Administrator determines that additional time is needed to process the claim and so notifies the claimant in writing within the initial 90-day period, the Plan Administrator may extend the determination period for up to an additional 90 days.
In addition, where the Plan Administrator determines that the extension of time is required due to the failure of the claimant to submit information necessary in order to determine the claim, the period of time in which the claim is required to be
considered pursuant to this Paragraph 4 shall be tolled from the date on which notification of the extension is sent to the claimant until the date on which the claimant responds to the request for additional information. Any notice to a claimant
extending the period for considering a claim shall indicate the circumstances requiring the extension and the date by which the Plan Administrator expects to render a determination with respect to the claim. The Plan Administrator shall not process
or adjudicate any claim relating specifically to his or her own benefits under a Plan. 
 5. Determination of Claim. The Plan Administrator shall
inform the claimant in writing of the decision regarding the claim by registered or certified mail posted within the time period described in Paragraph 4. The decision shall be based on governing Plan documents. If there is an adverse determination
with respect to all or part of the claim, the written notice shall include: 
  

	 	a)	the specific reason or reasons for the denial, 

  

	 	b)	reference to the specific Plan provisions on which the denial is based, 

  

	 	c)	a description of any additional material or information necessary for the claimant to perfect the claim and an explanation of why such material or information is necessary,

  

	 	d)	reference to and a copy of these Procedures, so as to provide the claimant with a description of the relevant Plan’s review procedures and the time limits applicable to such
procedures, a description of the claimant’s rights regarding documentation as described in Paragraph 9, and 

  

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	 	e)	a statement of the claimant’s rights under Section 502(a) of ERISA to bring a civil action with respect to an adverse determination upon review of an appeal filed under
Paragraph 6. 

 For purposes of these Procedures, an adverse determination shall mean determination of a claim resulting in a denial,
reduction, or termination of a benefit under a Plan, or the failure to provide or make payment (in whole or in part) of a benefit or any form of benefit under a Plan. Adverse determinations shall include denials, reductions, etc. based on the
claimant’s lack of eligibility to participate in the relevant Plan. All decisions made by the Plan Administrator under these Procedures shall be summarized in a report to be maintained in the files of the Plan Administrator. The report shall
include reference to the applicable governing Plan provision(s) and, where applicable, reference to prior determinations of claims involving similarly situated claimants. 
 6. Appeal of Claim Denials – Appeals Committee. A claimant who has received an adverse determination of all or part of a claim shall have 60 days from the date of such receipt to contest the denial by
filing an appeal. An appeal must be in writing and delivered to the Plan Administrator. An appeal will be considered timely only if actually received by the Plan Administrator within the 60-day period or, if sent by mail, postmarked within the
60-day period. The timely review will be completed by the Plan Administrator and should be sent to: 
 Benefit Plans
Committee 
 State Street Corporation 
 c/o Vice President, GHR-U.S. Benefits Planning 
 2 Avenue de Lafayette, LCC lE 
 Boston, MA 02111-1724 
 The Appeals Committee shall meet at such times and places as it considers appropriate, shall keep a
record of such meetings and shall periodically report its deliberations to the Plan Administrator. Such reports shall include the basis upon which the appeal was determined and, where applicable, reference to prior determinations of claims involving
similarly situated claimants. The vote of a majority of the members of the Appeals Committee shall decide any question brought before the Appeals Committee. 
 7. Consideration of Appeals. The Appeals Committee shall make an independent decision as to the claim based on a full and fair review of the record. The Appeals Committee shall take into account in its deliberations all comments,
documents, records and other information submitted by the claimant, whether submitted in connection with the appeal or in connection with the original claim, and may, but need not, hold a hearing in connection with its consideration of the appeal.
The Appeals Committee shall consider an appeal within a reasonable period of time, but not later than 60 days after receipt of the appeal, unless the Appeals Committee determines that special circumstances (such as the need to hold a hearing)
require an extension of time. If the Appeals Committee determines that an extension of time is required, it will cause written notice of the extension, including a description of the circumstances requiring an extension and the date by which the
Appeals Committee expects to render the determination on review, to be furnished to the claimant before the end of the initial 60-day period. In no event shall an extension exceed a period of 60 days from the end of the initial period;
provided, that in the case of any extension of time required by the failure of the claimant to submit information necessary for the Appeals Committee to consider the appeal, the 
  

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period of time in which the appeal is required to be considered under this Paragraph 7 shall be tolled from the date on which notification of the extension
is sent to the claimant until the date on which the claimant responds to the Appeals Committee’s request for additional information. 
 8. Resolution
of Appeal. Notice of the Appeals Committee’s determination with respect to an appeal shall be communicated to the claimant in writing by registered or certified mail posted within the time period described in Paragraph 7. If the
determination is adverse, such notice shall include: 
  

	 	a)	the specific reason or reasons for the adverse determination, 

  

	 	b)	reference to the specific plan provisions on which the adverse determination was based, 

  

	 	c)	reference to and a copy of these Procedures, so as to provide the claimant with a description of the claimant’s rights regarding documentation as described in Paragraph 9, and

	 	d)	a statement of the claimant’s rights under Section 502(a) of ERISA to bring a civil action with respect to the adverse determination. 

 9. Certain Information. In connection with the determination of a claim or appeal, a claimant may submit written comments, documents, records and other
information relating to the claim and may request (in writing) copies of any documents, records and other information relevant to the claim. An item shall be deemed relevant to a claim if it: 
  

	 	a)	was relied on in determining the claim, 

  

	 	b)	was submitted, considered or generated in the course of making such determination (whether or not actually relied on), or 

  

	 	c)	demonstrates that such determination was made in accordance with governing Plan documents (including, for this purpose, these Procedures) and that, where appropriate, Plan
provisions have been applied consistently with similarly situated claimants. 

 The Plan Administrator shall furnish free of charge copies of
all relevant documents, records and other information so requested; provided, that nothing in these Procedures shall obligate State Street Corporation (“State Street”), the Plan Administrator, or any person or committee to disclose
any document, record or information that is subject to a privilege (including, without limitation, the attorney-client privilege) or the disclosure of which would, in the Plan Administrator’s judgment, violate any law or regulation. 

10. Rights of a Claimant Where Appeal is Denied. 
  

	 	a)	The claimant’s actual entitlement, if any, to bring suit and the scope of and other rules pertaining to any such suit shall be governed by, and subject to the limitations of,
applicable law, including ERISA. By extending to an employee or former employee the right to file a claim under these Procedures, neither State Street nor any person or committee appointed as Plan Administrator acknowledges or concedes that such
individual is a participant in any particular Plan within the meaning of such Plan or ERISA, and reserves the right to assert that an individual is not a participant in any action brought under Section 502(a). 

  

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	 	b)	In no event may any legal proceeding regarding entitlement to benefits or any aspect of benefits under the Plan be commenced later than the earliest of 

  

	 	i)	two years after the applicable Notice Date; or 

  

	 	ii)	one year after the date a claimant receives a decision from the Appeals Committee regarding his appeal, or 

  

	 	iii)	the date otherwise prescribed by applicable law. 

  

	 	c)	Before any legal proceeding can be brought, a participant must exhaust the claim appeals procedures as set forth herein. 

 11. Special Rules Regarding Disability. Certain benefits under the Plans are contingent upon an individual’s incurring a disability. Where a claim requires a
determination by State Street as to whether an individual is “disabled” as defined under the Plan, the additional rules set forth in Schedule 1 to these Procedures shall apply to the claim. However, where disabled status is based upon
actual entitlement to benefits under a separate plan in which the individual participates or is otherwise covered, the determination of such status for purposes of each Plan shall be made under such separate disability plan, and any claims or
disputes as to disabled status under such plan or program shall be resolved in accordance with the procedures established for that purpose under the separate plan or program. 
 12. Authorized Representation. A claimant may authorize an individual to represent him/her with respect to a claim or appeal made under these Procedures. Any such authorization shall be in writing, shall
clearly identify the name and address of the individual, and shall be delivered to the Plan Administrator at the address listed in Paragraph 3. On receipt of a letter of authorization, all parties authorized to act under these Procedures shall be
entitled to rely on such authorization, until similarly revoked by the claimant. While an authorization is in effect, all notices and communications to be provided to the claimant under these Procedures shall also be provided to his/her authorized
representative. 
 13. Form of Communications. Unless otherwise specified above, any claim, appeal, notice, determination, request, or other
communication made under these Procedures shall be in writing, with original signed copy delivered by hand or first class mail (including registered or certified mail). A copy or advance delivery of any such claim, appeal, notice, determination,
request, or other communication may be made by electronic mail or facsimile. Any such electronic or facsimile communication, however, shall be for the convenience of the parties only and not in substitution of a writing required to be mailed or
delivered under these Procedures, and receipt or delivery of any such claim, appeal, notice, determination, request, or other written communication shall not be considered to have been made until the actual posting or receipt of original signed
copy, as the case may be. 
 14. Reliance on Outside Counsel, Consultants, etc. The Plan Administrator and the Appeals Committee may rely on or take
into account advice or information provided by such legal, accounting, actuarial, consulting or other professionals as may be selected in determining a claim or appeal, including those individuals and firms that may render advice to State Street or
the Plans from time to time. 
  

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 15. Amendment of Procedures—Interpretation. These Procedures may be modified at any time and from time to
time by written action of the Plan Administrator and shall be deemed automatically modified to incorporate any requirement attributable to a change in the applicable Department of Labor regulations after the date hereof. The Plan Administrator shall
have complete discretion to interpret and apply these Procedures, including, for purposes of applying these Procedures, such regulations. Further, nothing in these Procedures shall be construed to limit the discretion of the Plan Administrator or
its designee to interpret the Plans or, subject to the right of appeal of an adverse determination, the finality of the decision of the Plan Administrator or its designee, all as set forth in the Plans. 
  

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 Schedule 1 
 Special Rules Regarding Certain 
 Disability Claims 
 Pursuant to Paragraph 11 in the Claims Procedures, the following special rules supplement the Claims Procedures and apply only in the case of a claim (“Disability
Claim”) which requires a determination by State Street as to whether an individual is “disabled” as defined under the Plan. 
 Time to
Process Claims. The Plan Administrator will process and inform the claimant of the determination of the Disability Claim in accordance with Paragraphs 4 and 5 of the Claims Procedures, except that a period of 45 days shall apply instead of the
initial 90 days in which to process and determine the Disability Claim. This period may be extended initially by the Plan Administrator for 30 days if the claimant is notified before the end of the original 45-day period that the extension is
necessary due to matters beyond the control of the Plan Administrator. This 30-day extension period may be extended by the Plan Administrator for an additional 30 days if the claimant is notified before the end of the first 30-day extension that the
extension is necessary due to circumstances beyond the control of the Plan Administrator. Any notice of an extension will explain the reason for the extension, when the Plan Administrator expects to rule on the Disability Claim, the standards on
which entitlement to a benefit is based, the unresolved issues that prevent a decision on the Disability Claim, and any additional information needed to resolve those issues. If the claimant is informed that he/she needs to provide additional
information necessary to resolve Disability Claim issues, the claimant will have 45 days from the date he/she receives the extension notice to provide the additional information. 
 Determination of Claim and Notice of Determination. If disabled status is based on eligibility for benefits under a long-term disability plan maintained by State Street, the Plan Administrator will determine
which long-term disability plan is the applicable plan for the claimant, and whether the claimant would be certified as disabled under such long-term disability plan by applying the standards and definitions used in the long-term disability plan.
The Plan Administrator may require and rely on the written report or certification from a licensed physician selected or approved by the Plan Administrator. In addition to the requirements of Paragraph 5 in the Claims Procedures, any written notice
of an adverse determination of a Disability Claim will include a copy of any internal rules, guidelines, protocols, or other similar criteria that were relied on in the decision-making, or a statement that the determination was based on the
applicable items mentioned above, and that copies of the applicable items will be provided, free of charge, on the claimant’s request. In addition, if the adverse determination is based on a medical necessity, experimental treatment or similar
exclusion or limit, the notice will contain an explanation of the scientific or clinical judgment used in the determination, applying the terms of the relevant long-term disability plan to the claimant’s medical circumstances, or a statement
that such explanation will be provided, free of charge, upon the claimant’s request. 
 Appeal of a Claim Denial. Notwithstanding Paragraph 6 of
the Claims Procedures, a claimant who has received an adverse determination of all or part of a Disability Claim shall have 180 days from the date of receipt to appeal the denial (“Disability Appeal”). Notwithstanding Paragraph 7 of the
Claims Procedures, review of a Disability Appeal will be conducted by the Appeals Committee without deference to the initial adverse benefit determination by the Plan 
  

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Administrator, and no member of the Appeals Committee will participate in the review of a Disability Claim if such member made the adverse benefit
determination that is the subject of the Disability Appeal or is the subordinate of the person who made such determinations. 
 If the adverse determination
was based in whole or in part on a medical judgment, including determinations with regard to whether a particular treatment, drug, or other item is experimental, investigational, or not medically necessary or appropriate, the Appeals Committee shall
consult with a health care professional who has appropriate training and experience in the field of medicine involved in the medical judgment and who was not consulted in connection with the initial claim denial (and who is not the subordinate of
any such person). Any medical or vocational experts whose advice was obtained will be identified, without regard to whether the advice was relied upon in making the benefit determination. Notwithstanding Paragraphs 7 and 8 of the Claims Procedures,
the Appeals Committee shall consider and communicate its determination with respect to a Disability Appeal within a reasonable time, but not later than 45 days after receipt of the Disability Appeal, unless special circumstances require an extension
for processing, in which case a decision will be made within a 45-day extension period. 
 Resolution of Appeal. In addition to the information
required by Paragraph 8 of the Claims Procedures, any written notice by the Appeals Committee of an adverse determination on a Disability Appeal will include a description of any specific internal rules, guidelines, protocols, or other similar
criteria that were relied on in making the decision, or a statement that the decision was based on the applicable items mentioned above, and copies of the applicable items will be provided, free of charge, upon the claimant’s request. In
addition, if the adverse determination of the Disability Appeal is based on a medical necessity, experimental treatment or similar exclusion or limit, the notice will contain an explanation of the scientific or clinical judgment used in the
determination, applying the terms of the relevant long-term disability plan to the claimant’s medical circumstances, or a statement that such explanation will be provided, free of charge, at the claimant’s request. 
  

 14Executive Compensation Trust Agreement

 Exhibit 10.5 
 STATE STREET BOSTON CORPORATION 
 EXECUTIVE COMPENSATION TRUST 
 This Trust Agreement made as of this 6th day of December, 1996, by and between State Street Boston Corporation, a Massachusetts corporation (the “Company”),
Wachovia Bank of North Carolina, N.A. (the “Trustee”), and William M. Mercer, Inc. (the “Consulting Firm”), providing for the establishment of a trust to be known as the State Street Boston Corporation Executive Compensation
Trust (hereinafter called the “Trust”) to provide a source for payments required to be made to participants (the “Participants”) under certain nonqualified employee benefit plans of the Company and certain subsidiaries of the
Company, which plans are listed on Exhibit A hereto (the “Plans”). 
 WITNESSETH THAT: 
 WHEREAS, the Company is hereby making the contribution described on Exhibit B hereto, and may in the future make additional contributions of cash, Common Stock of the
Company (the “Stock”), and/or other property (all such present and future contributions being hereafter referred to as “Contributions”), to the Trust to aid the Company and the Subsidiaries in accumulating funds to satisfy their
obligations under the Plans; and 
 WHEREAS, the Company intends that the Trust Assets (as defined in Section 1(d) below) shall be subject to the claims
of the creditors of the Company and the Subsidiaries in the event the Company or any Subsidiary becomes Insolvent (as defined in Section 4(a)); and 
 WHEREAS, the Company intends that the Trust shall constitute an unfunded arrangement and shall not affect the status of the Plans as unfunded plans maintained for the purpose of providing deferred compensation for select management and
highly compensated employees for purposes of Title I of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”); and 
 WHEREAS,
the Company intends that the Trust shall remain in existence until all the Trust Assets shall have been distributed to the Participants or reverted to the Company, all in accordance with the provisions of this Trust Agreement; 
 NOW, THEREFORE, in consideration of the mutual undertakings of the parties and other good and valuable consideration, the parties hereto do hereby establish the Trust
and agree that the Trust shall be comprised, held and disposed of as follows: 
 SECTION 1: ESTABLISHMENT OF TRUST

 (a) The Company hereby contributes to the Trust, and the Trustee hereby acknowledges receipt of, the Contribution set forth in Exhibit B hereto, which,
together with any future Contributions, shall become the principal of the Trust to be held, administered and disposed of by the Trustee in accordance with this Trust Agreement. 
 (b) The Trust shall be revocable until a Change in Control (as defined in Section 2(f)), at which time it shall become irrevocable. 
 (c) The Trust is intended to be a grantor trust of which the Company is the grantor, within the meaning of Section 671 of the Internal Revenue Code of 1986, as amended (the “Code”), and an unfunded
arrangement that does not affect the status of the Plans as unfunded plans maintained for the purpose of providing deferred compensation for select management and highly compensated employees for purpose of Title I of ERISA, and shall be construed
accordingly. The Trust is not designed or intended to qualify under Section 401(a) of the Code. 
 (d) The principal of the Trust and any earnings
thereon and other increases thereof shall be held separate and apart from other funds of the Company and the Subsidiaries and shall be used exclusively for the uses and purposes herein set forth. Such principal, increased by any earnings thereon and
other increases thereof and reduced by any losses and distributions from the Trust and any other reductions thereof, is sometimes referred to herein as the “Trust Assets.” The Participants shall not have any preferred claim on, nor any
beneficial ownership interest in, any of the Trust Assets before the Trust Assets are paid to the Participants pursuant to the terms of this Trust Agreement, and all rights created under the Plans and this Trust Agreement shall be mere unsecured
contractual rights of the Participants against the Company and/or one or more of the Subsidiaries, as applicable. The Trust Assets shall at all times be subject to the claims of the general creditors of the Company and the Subsidiaries under federal
and state law in accordance with Section 4. 
 SECTION 2: ADDITIONAL CONTRIBUTIONS; DISTRIBUTIONS TO COMPANY AND
SUBSIDIARIES 
 (a) The Company shall make additional Contributions to the Trust in accordance with Section 8 of this Trust Agreement, and such other
Contributions as the Board of Directors of the Company (the “Board”) or its delegate deems appropriate from time to time. The Trustee shall be responsible only for Contributions actually received by it hereunder, and the Trustee shall have
no duty or responsibility with respect to the timing, amounts and sufficiency of the Contributions made or to be made by the Company hereunder. 
 (b) The
Company shall have the duty to inform the Trustee and the Consulting Firm whenever a “Change of Control” (as defined in Section 2(e) below) occurs. If any two Participants notify the Trustee that a Change of Control has occurred, the
Trustee shall so notify the Company and the Consulting Firm and, unless within five business days thereafter the Company delivers to the Trustee and the Consulting Firm an opinion of independent legal counsel to the Company (which opinion may be
based upon representations of fact, as long as counsel does not know that such representations are untrue) that a Change of Control has not occurred, then a Change of Control will be deemed to have occurred, and the Trustee and the Consulting Firm
will be deemed to have received notice on such fifth business day that a Change of Control has occurred. 

 (c) Following the occurrence of a Change of Control, the Trustee shall determine in its sole and absolute discretion, and
shall give the Company and the Consulting Firm notice of, the “Trust Asset Value” (as defined in Section 2(g) below) and the Consulting Firm shall determine, and give the Company and the Trustee notice of, the “Required
Assets” (as defined in Section 2(g) below) as soon as practicable, but in any event within thirty days, after (i) the date they receive notice that a Change of Control has occurred, and (ii) the end of each calendar quarter
thereafter, in each case determined as of the most recent Measurement Date and, in the case of the computation of the Required Assets, based upon the most recent information available to the Consulting Firm pursuant to Section 3(b). 

(d) Following a Change of Control, the Company shall contribute to the Trust, in cash, the excess (if any) of the Required Assets over the Trust Asset Value as of
each Measurement Date beginning with the date of the Change of Control, plus interest at the Applicable Federal Rate from such Measurement Date through the date of contribution, within three business days after receiving notice thereof. 

(e) The Company shall have the right to withdraw assets from the Trust in accordance with this Section 2(e). The Company may exercise this right of withdrawal by
giving the Trustee and the Consulting Firm notice of its desire to do so and directing the Trustee to distribute to it and/or to one or more Subsidiaries, all or any portion of the Trust Assets, and the Trustee shall so distribute such Trust Assets
as promptly as practicable; provided, that no such distribution shall be made after a Change of Control (regardless of when the Company’s notice of exercise is given) to the extent that the Trust Asset Value as of the most recent Measurement
Date before such distribution is made, adjusted to reflect such distribution, would be less than 120 percent of the Required Assets determined as of such Measurement Date. 
 (f) For purposes of this Trust Agreement, a “Change of Control” shall mean: 
 (i) The acquisition by any
individual, entity or group (within the meaning of Section 13(d)(3) or 14(d)(2) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”)) (a “Person”) of beneficial ownership (within the meaning of Rule 13d-3
promulgated under the Exchange Act) of 25% or more of either (i) the then outstanding shares of Stock (the “Outstanding Company Stock”) or (ii) the combined voting power of the then outstanding voting securities of the Company
entitled to vote generally in the election of directors (the “Outstanding Company Voting Securities”); provided, however, that for purposes of this subsection (i), the following acquisitions shall not constitute a Change of Control:
(A) any acquisition directly from the Company, (B) any acquisition by the Company, (C) any acquisition by any employee benefit plan (or related trust) sponsored or maintained by the Company or any corporation controlled by the Company
or (D) any acquisition by any corporation pursuant to a transaction which complies with clauses (A), (B) and (C) of subsection (iii) below; or 
 (ii) individuals who, as of the date hereof, constitute the Board (the “Incumbent Board”) cease for any reason to constitute at least a majority of the Board; provided, however, that any individual becoming a director subsequent
to the date hereof whose election, or nomination for election by the Company’s shareholders, was approved by a vote of at least a majority of the directors then comprising the Incumbent Board shall be considered as though such individual were a
member of the Incumbent Board, but excluding, for this purpose, any such individual whose initial assumption of office occurs as a result of an actual or threatened election contest with respect to the election or removal of directors or other
actual or threatened solicitation of proxies or consents by or on behalf of a Person other than the Board; or 
 (iii) consummation of a reorganization,
merger or consolidation or sale or other disposition of all or substantially all of the assets of the Company (a “Business Combination”), in each case, unless, following such Business Combination, (A) all or substantially all of the
individuals and entities who were the beneficial owners of the Outstanding Company Stock and the Outstanding Company Voting Securities immediately prior to such Business Combination beneficially own, directly or indirectly, more than 50% of,
respectively, the then outstanding shares of common stock and the combined voting power of the then outstanding voting securities entitled to vote generally in the election of directors, as the case may be, of the corporation resulting from such
Business Combination (including, without limitation, a corporation which as a result of such transaction owns the Company or all or substantially all of the Company’s assets either directly or through one or more subsidiaries) in substantially
the same proportions as their ownership, immediately prior to such Business Combination of the Outstanding Company Stock and Outstanding Company Voting Securities, as the case may be, (B) no Person (excluding any corporation resulting from such
Business Combination or any employee benefit plan (or related trust) of the Company or such corporation resulting from such Business Combination) beneficially owns, directly or indirectly, 25% or more of, respectively, the then outstanding shares of
common stock of the corporation resulting from such Business Combination or the combined voting power of the then outstanding voting securities of such corporation except to the extent that such ownership existed prior to the Business Combination,
and (C) at least a majority of the members of the board of directors of the corporation resulting from such Business Combination were members of the Incumbent Board at the time of the execution of the initial agreement, or of the action of the
Board, providing for such Business Combination; or 
 (iv) approval by the shareholders of the Company of a complete liquidation or dissolution of the
Company. 
 (g) For purposes of this Trust Agreement, the following terms shall have the following meanings: 
 (i) The “Applicable Federal Rate” as of any date means the applicable federal rate (as defined in Section 1274(d) of the Code) in effect on that date
unless specified herein to the contrary, the applicable federal rate shall be the applicable long term federal rate (as defined in Section 1274(d) of the Code); 
 (ii) The “Measurement Date” means the last day of a calendar quarter or the date a Change of Control occurs; 

 (iii) The “Required Assets” means the present value, as of the Measurement Date, of the sum of (x) the
maximum aggregate amount that could become payable to the Participants under the Plans if their employment terminated on the six-month anniversary of the Measurement Date, and (y) an estimate of the expenses reasonably likely to be incurred by
the Trust from the Measurement Date through such six-month anniversary, including without limitation the Trustee’s and Consulting Firm’s fees as estimated by the Trustee and the Consulting Firm, respectively. In determining the present
value of any benefit under a Plan, the Consulting Firm shall use the interest rate in effect for purposes of the Plan on the Measurement Date or, if it produces a larger present value, the interest rate that the Consulting Firm reasonably expects to
be in effect on such six-month anniversary, based upon market conditions at the time the determination is being made; and 
 (iv) The “Trust Asset
Value” means the aggregate net fair market value of the Trust Assets as of the relevant Measurement Date. 
 SECTION 3:
PAYMENTS TO PARTICIPANTS 
 (a) The names and addresses of the Participants and the schedule of payments currently due or expected to become due to the
Participants under the Plans (the “Payment Schedule”) are set forth on Exhibit C hereto. The Consulting Firm shall make such amendments to Exhibit C as may be necessary from time to time to ensure that it is complete and accurate;
provided, that such amendments shall not be required to be made more frequently than quarterly; and provided, further, that the Consulting Firm shall make such an amendment to update Exhibit C not more than 30 days after receiving notice pursuant to
Section 2(b) that a Change of Control has occurred; and provided, further, that the Consulting Firm’s obligation to make any such amendment shall be subject to its having received the information it reasonably determines to be necessary to
make such amendment, as provided in Section 3(b). Upon application by a Participant for a benefit under this Trust the Consulting Firm shall update Exhibit C with respect to the individual Participant and notify the Trustee of the updated
amount. 
 (b) The Company shall provide the Consulting Firm with all information necessary to keep Exhibit C up to date on at least a quarterly basis, and
in any event within five days after the occurrence of a Change of Control. After a Change of Control, the Consulting Firm may request, but shall not be required to request, that any Participant verify such information requested from the Company or
supply any additional information. The Consulting Firm shall be entitled to rely on any information supplied to it pursuant to this paragraph (b) as set forth in Section 12 below. 
 (c) The Company or any Subsidiary may make payments pursuant to the Payment Schedule directly to the Participants. The Company shall notify the Trustee of its intention
to make, or to cause a Subsidiary to make, any such direct payment at least 10 business days before the date such payment is due or, in the case of a series of payments, before the date the first such payment is due. If the Trustee does not receive
such notice with respect to any payment or series of payments, or if at any time following a Change of Control it receives a notice from a Participant certifying that the Company and the Subsidiaries have failed to make a payment when due, the
Trustee shall promptly make such payment (and any subsequent payments if the missed payment was one of a series) in accordance with the Payment Schedule. 
 (d) If the Trust Assets are insufficient to make any payment (including interest thereon under Section 3(e) below) that the Trustee is required to make pursuant to Section 3(b) above, the Trustee shall promptly so notify the
Company and the Participant, and the Company shall make, or shall cause a Subsidiary to make, such payment to the extent the Trust Assets are insufficient. In such case, if payment is due to more than one Participant, the Trustee shall apply the
Trust Assets to provide payment to Participants in the order that payments become due, with payments due on the same date to be paid on a pro-rata basis in proportion to the remaining Trust Assets, based on the amounts owed to such Participants on
such payment date. 
 (e) Any payment, whether made by the Trustee or the Company or a Subsidiary pursuant to Section 3(c) or (d) above, that is
made after the date it is due shall be accompanied by a cash payment of interest on the amount of such payment at 120 percent of the short-term applicable federal rate, as defined in Section 1274(d) of the Code, from the date the payment is due
through the date it is made. 
 (f) In making payments pursuant to this Section 3, the Trustee shall be entitled to rely on, and shall have no duty to
inquire into, any written certification by a Participant that the Company and the Subsidiaries have failed to make a payment when due. 
 (g) The Trustee and
the Company shall promptly notify the Consulting Firm of all payments made pursuant to this Section 3. 
 SECTION 4:
TRUST ASSETS SUBJECT TO CLAIMS OF CREDITORS 
 (a) The Company or any Subsidiary shall be considered “Insolvent” if (i) it is unable to pay its
debts as they mature, or (ii) it is subject to a pending proceeding as a debtor under the United States Bankruptcy Code. 
 (b) At all times while the
Trust is in existence, the Trust Assets shall be subject to the claims of general creditors of the Company and of the Subsidiaries under federal and state law as set forth below. Notwithstanding the provisions of Section 3, whenever the Trustee
has actual knowledge that the Company or any Subsidiary is Insolvent, or has received a “Notice of Insolvency,” as defined in Section 4(c), the Trustee shall suspend making payments to the Participants and shall hold the Trust Assets
for the benefit of the general creditors of the Company or the Subsidiary, as applicable, and shall promptly notify the Participants that it is doing so. During any period when payments to the Participants are suspended under this Section 4,
the Trustee may nonetheless pay compensation and expenses of the Trustee and the Consulting Firm and taxes payable by the Trust in accordance with Section 8, unless it receives a court order to the contrary. If the Company or the Subsidiary, as
applicable, subsequently ceases to be Insolvent without the entry of a court order concerning the disposition of the Trust Assets, the Company shall give notice to the Trustee and the Participants (i) stating that the Company or the Subsidiary,
as applicable, is no longer Insolvent and (ii) setting forth the extent to which the Company or any Subsidiary has made directly to the Participants any payments under the Payment Schedule that became due during the period that the Trustee had
suspended payments. If the Trustee determines that the Company or the 

 
Subsidiary, as applicable, has ceased to be Insolvent without the entry of a court order concerning the disposition of the Trust Assets, the Trustee shall
resume payments pursuant to Section 3, including payments, plus interest as may be required by Section 2(e), that became due during the period of suspension and were not made by the Company or any Subsidiary. 
 (c) A “Notice of Insolvency” means a written notice from the Board of Directors or the Chief Executive Officer of the Company that the Company or a Subsidiary
is Insolvent, or a written notice from a person claiming to be a creditor of the Company or a Subsidiary (which person the Trustee considers to be reliable and responsible) alleging that the Company or a Subsidiary is Insolvent. The Board of
Directors and the Chief Executive Officer of the Company and of each Subsidiary shall have the duty to give the Trustee a Notice of Insolvency immediately upon the Company’s or the Subsidiary’s (as applicable) becoming Insolvent. The
Trustee shall be entitled to rely upon a Notice of Insolvency from the Board of Directors or the Chief Executive Officer of the Company or a Subsidiary and shall have no duty at any time to inquire whether the Company or any Subsidiary is Insolvent,
except in response to a Notice of Insolvency from a person claiming to be a creditor of the Company or a Subsidiary. The Trustee may in all events rely upon such evidence concerning the solvency of the Company and the Subsidiaries as may be
furnished to it that provides a reasonable basis for making a determination of whether the Company or a Subsidiary is Insolvent, and such determination shall be made in its sole and absolute discretion. 
 SECTION 5: ACCOUNTING BY THE TRUSTEE AND THE CONSULTING FIRM; PROVISION OF INFORMATION BY THE COMPANY 
 (a) The Trustee shall keep accurate and detailed records of all investments, receipts, disbursements, and all other transactions required to be done, including such specific records as shall be agreed upon in writing
between the Company and the Trustee. Within sixty days following the close of each calendar year and within sixty days after the removal or resignation of the Trustee, the Trustee shall deliver to the Company and the Consulting Firm a written
statement of its administration of the Trust during such year or during the period from the close of the last preceding year to the date of such removal or resignation, setting forth all investments, receipts, disbursements and other transactions
effected by it, including a description of all securities and investments purchased and sold with the cost or net proceeds of such purchases or sales (accrued interest paid or receivable being shown separately), showing all cash, securities and
other property held in the Trust at the end of such year or as of the date of such removal or resignation, as the case may be, and the book and fair market value of any such asset. The Consulting Firm shall send a copy of such written account to
each Participant. 
 (b) The Company shall furnish the Consulting Firm and the Trustee with copies of the Plans and any and all amendments thereto. The
Company shall promptly provide the Consulting Firm with any and all information the Consulting Firm reasonably requests or the Company believes would be useful to the Consulting Firm in carrying out its duties hereunder, and shall promptly update
such information as and if it changes. The Company shall also use its best efforts to cause each Participant to provide the Consulting Firm with all information that it may reasonably request in order to determine the amount of any payments due to
the Participant under the Plans. 
 (c) All accounts, books and records maintained pursuant to this Section 5 shall be open to inspection and audit at
all reasonable times by the Company and the Participants. 
 SECTION 6: INVESTMENT AUTHORITY 
 (a) Except as otherwise specifically provided in this Trust Agreement, the Trustee shall have full discretion in and sole responsibility for investment, management and control of the Trust Assets. Except as provided
in Section 6(c) below, all rights associated with Trust Assets shall be exercised by the Trustee or the person designated by the Trustee, and shall in no event be exercisable by the Participants. The Trustee shall to the extent prudently
possible and consistent with any applicable Investment Guidelines (as defined in Section 6(b) below) invest the Trust Assets. 
 (b) The Company shall
have the right (but not the obligation) to direct the manner in which the Trustee shall invest the Trust Assets by delivering to the Trustee, from time to time before a Change of Control, written investment guidelines (“Investment
Guidelines”). The Trustee shall follow such Investment Guidelines until the Company revokes them by written notice to the Trustee or delivers new Investment Guidelines; provided, that the Trustee shall not follow Investment Guidelines to the
extent they would require the Trustee to invest the Trust in a manner that would violate applicable law. In no event shall Investment Guidelines delivered to the Trustee after a Change of Control have any force or effect. 
 (c) The Trustee may invest in securities (including stock or rights to acquire stock) issued by the Company, but only pursuant to Investment Guidelines complying with
Section 6(b) above. The Company shall have the right to exercise any voting rights with respect to such securities unless it directs the Trustee to do so. 
 (d) Prior to a Change of Control, and subject to approval by the Trustee after a Change of Control, the Company shall have the right at any time, and from time to time, in its sole discretion, to substitute assets of equal fair market value
for any Trust Assets. This right is exercisable by the Company in a nonfiduciary capacity without the approval or consent of any person in a fiduciary capacity. 
 (e) Except as otherwise specifically provided in this Trust Agreement, the Trustee is authorized and empowered: 
 (i) To purchase, hold, sell,
invest and reinvest the Trust Assets, together with income therefrom; 
 (ii) To hold, manage and control all property at any time forming part of the Trust
Assets; 

 (iii) To sell, convey, transfer, exchange and otherwise dispose of the Trust Assets from time to time in such manner, for
such consideration and upon such terms and conditions as it shall determine; 
 (iv) To make payments from the Trust as
provided hereunder; 
 (v) To cause any property of the Trust to be issued, held or registered in the individual name of the Trustee, or in the name of its
nominee, or in such form that title will pass by delivery; provided, that the records of the Trustee shall indicate the true ownership of such property; and 
 (vi) To do all other acts necessary or desirable for the proper administration of the Trust Assets as though the absolute owner thereof, and to exercise all the further rights, powers, options and privileges granted, provided for or vested
in trustees generally under applicable federal or North Carolina law, as amended from time to time, it being intended that, except as herein otherwise provided, the powers conferred upon the Trustee herein shall not be construed as being in
limitation of any authority conferred by law, but shall be construed as in addition thereto; 
 provided, however, that if an insurance policy is held as a
Trust Asset, the Trustee shall have no power to name as beneficiary of that policy any person other than the Trust, nor to assign the policy (as distinct from converting it to a different form) to a person other than a successor Trustee, nor to loan
to any person other than the Trust the proceeds of any borrowing against such policy; and provided, further, that notwithstanding any powers granted to the Trustee under this Trust Agreement or applicable law, the Trustee shall not have any power
that could give this Trust the objective of carrying on a business and dividing the gains therefrom, within the meaning of Section 301.7701-2 of the Procedure and Administrative Regulations promulgated pursuant to the Code. 
 SECTION 7: RESPONSIBILITY AND AUTHORITY OF TRUSTEE AND CONSULTING FIRM 
 (a) The Trustee shall act with the care, skill, prudence and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such matters would use in the conduct of
an enterprise of a like character and with like aims. The Trustee shall discharge its responsibility for the investment, management and control of the Trust Assets solely pursuant to the terms of this Trust Agreement. 
 (b) The Consulting Firm shall not be a fiduciary with respect to the Trust or any Plan. 
 (c) The Trustee and the Consulting Firm may consult with legal counsel (who may also be counsel for the Company) with respect to any of its duties or obligations hereunder, and shall be fully protected in acting or
refraining from acting in accordance with the advice of such counsel, and the Company shall be responsible for the payment of any such expenses and compensation. 
 (d) The Trustee may hire agents, accountants, and financial consultants, and rely on their advice given and the Company shall be responsible for the payment of their reasonable expenses and compensation. 
 SECTION 8: COMPENSATION AND EXPENSES OF TRUSTEE AND CONSULTING FIRM AND TAXES 
 The Trustee and the Consulting Firm shall each be entitled to receive such reasonable compensation for their services as shall be agreed upon by the Company and the
Trustee or the Consulting Firm, as the case may be. The Trustee and Consulting Firm shall also be entitled to receive their reasonable expenses incurred with respect to the administration of the Trust, including without limitation fees incurred
pursuant to Sections 7(c) and (d) of this Trust Agreement and any expenses incurred in the course of appointing a successor Trustee pursuant to Section 9(b) or a successor Consulting Firm pursuant to Section 10(b). Such compensation
and expenses shall be paid by the Company or a Subsidiary, and if not so paid, shall be paid by the Trustee from the Trust Assets. To the extent that any taxes are payable by the Trust to any federal, state, local or foreign taxing authorities on
account of earnings on or transactions involving Trust Assets, such taxes shall be paid by the Company or a Subsidiary, and if not so paid, shall be paid by the Trustee from the Trust Assets. In the event any Trust Assets are used pursuant to the
preceding sentences to pay compensation, expenses or taxes, the Trustee shall so notify the Company and the Company shall promptly contribute, or cause a Subsidiary to contribute, to the Trust the amount of such payments, plus interest thereon at
120 percent of the short-term applicable federal rate, as defined in Section 1274(d) of the Code, from the date of such use through the date of the Contribution. 
 SECTION 9: RESIGNATION AND REPLACEMENT OF TRUSTEE 
 (a) The Trustee may resign at any time during the term of this Trust by delivering to the Company a written notice of its resignation. The Company may remove the Trustee at any time before a Change of Control by delivering to the Trustee a
written notice of such removal. Such resignation or removal shall take effect upon the earlier of (i) 60 days from the date of delivery of such notice or (ii) the appointment of a successor Trustee. If, within 60 days of the delivery of
notice of such resignation or removal, a successor Trustee shall not have been appointed, the Trustee may apply to any court of competent jurisdiction for the appointment of a successor Trustee. 
 (b) In the event that the Trustee gives notice of its resignation, or the Company gives notice of its removal of the Trustee, in accordance with Section 9(a), a
bank or trust company shall be appointed successor Trustee. Before a Change of Control, such appointment shall be made by the Company, and after a Change of Control, it shall be made by the Consulting Firm subject to the minimum standards set forth
in Exhibit D hereto. The Company shall promptly notify the Consulting Firm of the name and address of a successor Trustee appointed by it, and the Consulting Firm shall promptly notify the Participants of the name and address of every successor
Trustee. The Trustee shall thereupon deliver to the successor Trustee all property of this Trust, together with such records and documents as may be reasonably required to enable the successor Trustee to properly administer the Trust, reserving such
funds as it reasonably deems necessary to cover its unpaid bills and expenses. 

 (c) Upon appointment of a successor Trustee, all right, title and interest of the resigning Trustee in the Trust Assets
and all rights and privileges under this Trust Agreement theretofore vested in the resigning Trustee shall vest in the successor Trustee where applicable, and thereupon all future liability of the resigning Trustee shall terminate; provided,
however, that the Trustee shall execute, acknowledge and deliver all documents and written instruments that are necessary to transfer and convey the right, title and interest in the Trust Assets, and all rights and privileges to the successor
Trustee. 
 (d) Nothing in this Trust Agreement shall be interpreted as depriving the Trustee or the Company of the right to have a judicial settlement of
the Trustee’s accounts, and upon any proceeding for a judicial settlement of the Trustee’s accounts or for instructions the only necessary parties thereto will be the Trustee and the Company. 
 SECTION 10: RESIGNATION AND REPLACEMENT OF CONSULTING FIRM 
 (a) The
Consulting Firm may resign at any time during the term of this Trust by delivering to the Company a written notice of its resignation. The Company may remove the Consulting Firm at any time before a Change of Control by delivering to the Consulting
Firm a written notice of such removal. Such resignation or removal shall take effect upon the earlier of (i) 60 days from the date of delivery of such notice or (ii) the appointment of a successor Consulting Firm. 
 (b) In the event that the Consulting Firm gives notice of its resignation, or the Company gives notice of its removal of the Consulting Firm, in accordance with
Section 10(a), a firm of compensation or retirement plan consultants or certified public accountants shall be appointed the successor Consulting Firm. Before a Change of Control, such appointment shall be made by the Company, and after a Change
of Control, it shall be made by the Trustee subject to the minimum standards set forth in Exhibit E hereto. The Consulting Firm shall thereupon deliver to the successor Consulting Firm all records and documents in its possession as may be reasonably
required to enable the successor Consulting Firm properly to carry out its duties under this Trust Agreement. The Company and the Trustee shall each promptly notify the other of the name and address of a successor Consulting Firm appointed by it,
and a successor Consulting Firm shall promptly notify the Participants of its appointment, name and address. 
 SECTION 11: AMENDMENT OR TERMINATION

 (a) This Trust Agreement may be amended by a written instrument executed by the Trustee, the Company and the Consulting Firm; provided, that after a Change
of Control, this Trust Agreement may not be amended in any manner adverse to any Participant unless such Participant gives his or her signed consent to such amendment, and Exhibit A hereto may not be amended without the consent of a majority of the
Participants; and provided, further, that Exhibit C hereto may be amended only as provided in Section 3(a) hereof. 
 (b) Before a Change of Control,
the Trust shall be revocable by the Company. After a Change of Control, the Trust shall be irrevocable and may be terminated only upon the receipt by the Trustee of a certification from the Consulting Firm that (i) all liabilities to the
Participants under the Plans have been satisfied or (ii) it has received the signed consent to the termination of the Trust of each Participant who remains entitled to payments pursuant to the Plans; provided, that if the Company or the
Consulting Firm notifies the Trustee that any payment made from the Trust or to be made pursuant to the Plans is being contested, litigated or otherwise disputed, the Trust shall remain in effect until such contest, litigation or dispute is
resolved. Upon such a termination of the Trust, the Trustee shall promptly transfer the Trust Assets (if any) to the Company. 
 (c) Notwithstanding anything
to the contrary in this Agreement, if the Company determines, in good faith based upon an opinion of counsel, which opinion is reasonably acceptable to the Trustee, that because of a change in law or in the interpretation thereof occurring after the
date of this Agreement, one or more Participants is likely to be subject to immediate income taxation with respect to his or her benefit under any of the Plans, then (i) if such determination is made before a Change of Control, the Company may
direct to Trustee to distribute, and the Trustee shall distribute, to the Company and/or one or more Subsidiaries, the minimum amount of Trust Assets that the Company determines, in good faith based upon such opinion of counsel, will result in such
taxation not being likely, and (ii) if such determination is made after a Change of Control the Company shall, or if such determination is made before a Change of Control the Company may, direct the Trustee to pay (and the Trustee shall pay) to
each such Participant, in full or partial satisfaction of the obligations of the Company and Subsidiaries to such Participant under the relevant Plan (the extent of such satisfaction to be determined by the Company, if such payment occurs before a
Change of Control, and by the Consulting Firm, if such payment occurs after a Change of Control), an amount equal to the amount with respect to which the Company has so determined such Participant will be subject to tax. 
 SECTION 12: PROTECTION OF THE TRUSTEE AND THE CONSULTING FIRM 
 (a) The
Company, and its successors agree, to the extent permitted by applicable law, and except as provided in the next sentence, to indemnify each of the Trustee and the Consulting Firm against and hold it harmless from any claim or liability that may be
asserted against it by the Company or any other party, by reason of its: (i) taking or refraining from taking any action under this Trust Agreement including, without limitation, the appointment of a successor Trustee by the Consulting Firm or
the appointment of a successor Consulting Firm by the Trustee; (ii) relying upon a certification of an authorized representative of the Company, or (in the case of the Trustee) the Consulting Firm, with respect to any instruction, direction or
approval of the Company until a subsequent certification is filed with it; (iii) acting upon any instrument, certificate, or paper believed by it to be genuine and to be signed or presented by the proper person or persons (and neither the
Trustee nor the 

 
Consulting Firm shall be under any duty to make any investigation or inquiry as to any statement contained in any such writing but may accept the same as
conclusive evidence of the truth and accuracy of the statements therein contained); and (iv) in the case of the Trustee, making distributions in accordance with the terms of this Trust Agreement and information or directions furnished to the
Trustee by the Participants, the Consulting Firm or the Company. The foregoing indemnity shall not apply to claims or liabilities resulting from or arising out of the Trustee’s or the Consulting Firm’s (as the case may be) own negligence
or willful misconduct. All persons dealing with the Trustee are released from inquiry into the decision or authority of the Trustee and from seeing to the application of any monies, securities or other property paid or delivered to the Trustee.

 (b) In the event the Trustee or the Consulting Firm undertakes or is a defendant in any litigation arising in connection with this Trust Agreement, the
Company shall indemnify it against its actual and prospective costs, expenses and liability, including counsel fees. 
 (c) The protection afforded the
Trustee and the Consulting Firm by this Section and this Trust Agreement shall survive the termination of this Trust Agreement. 
 SECTION 13: NOTICES

 (a) All notices, consents and other communications hereunder shall be in writing and shall be given by hand delivery or by registered or certified mail,
return receipt requested, postage prepaid, addressed as follows: 
 If to the Company: 
 State Street Boston Corporation 
 225 Franklin
Street 
 Boston, MA 02110 
 Attention: General Counsel 
 If to the Trustee: 
 Wachovia Bank of North Carolina, N.A. 
 301 North Church Street 
 Mail Code 31013 
 Winston-Salem, NC 27102

 Attention: Beverley H. Wood 
 If to the Consulting Firm: 
 William M. Mercer, Inc. 
 200 Clarendon Street 
 Boston, MA 02116 
 Attention: Office Head 
 If to the
Participants: 
 To the addresses set forth in Exhibit C 
 or to such other address as a party shall have furnished to the others in writing in accordance herewith. Notice and communications shall be effective when actually received by the addressee. 
 SECTION 14: SEVERABILITY AND ALIENATION 
 (a) Any provision of this Trust Agreement prohibited by law shall be ineffective to the extent of any such prohibition without invalidating or in any other way limiting the remaining provisions hereof. 
 (b) The rights and benefits of the Participants under this Trust Agreement, and the payments to the Participants from the Trust Assets, may not be anticipated, assigned,
alienated or subject to attachment, garnishment, levy, execution or other legal or equitable process except as required by law. Any attempt by a Participant to anticipate, alienate, assign, sell, transfer, pledge, encumber or charge the same shall
be void. The Trust Assets shall not in any manner be subject to the debts, contracts, liabilities, engagements or torts of any Participant, and payments hereunder shall not be considered assets of any Participant in the event of insolvency or
bankruptcy. 
 SECTION 15: GOVERNING LAW 
 This Trust Agreement shall be governed by and construed in accordance with the laws of North Carolina, without reference to principles of conflicts of law. 

 SECTION 16: MISCELLANEOUS 
 (a) The Trustee shall be neither individually nor severally liable for any taxes of any kind levied or assessed under the existing or future laws against the Trust Assets. The Trustee shall withhold from each payment to a Participant any
Federal, state, local and foreign taxes that are required by applicable laws and regulations to be withheld, in accordance with the Consulting Firm’s instructions, and shall deliver and pay over such amounts to the Company for its payment to
the appropriate taxing authorities. 
 (b) Any payment to a Participant by the Trustee in accordance with Section 3 of this Trust Agreement shall, to
the extent thereof, be in full satisfaction of all claims against the Trustee, the Company and the Subsidiaries under the Plans. Nothing in this Trust shall relieve the Company or any Subsidiary of any liability to make payments under the Plans,
except to the extent such liability is met by payments pursuant to Section 3 of this Trust Agreement. 
 (c) Headings in this Trust Agreement are
inserted for convenience of reference only and are not to be considered in the construction of the provisions hereof. 
 (d) This Trust Agreement may be
executed in several counterparts, each of which shall be deemed an original, and said counterparts shall constitute but one and the same instrument. 
 (e)
This Trust Agreement shall inure to the benefit of, and be binding upon, the parties hereto and their successors and assigns. 
 (f) Any action of the
Company or the Consulting Firm pursuant to this Trust Agreement, including without limitation all orders, requests, directions, instructions and communications of information, shall be in writing signed on its behalf by an officer or named designee
of the Company or the Consulting Firm (as the case may be). 
 (g) If at any time while this Trust is in existence, a Participant should die or a legal
guardian should be appointed for a Participant, references herein to the Participant shall be deemed to include the executor or administrator of the Participant’s estate or such legal guardian, as the case may be. 
 IN WITNESS WHEREOF, the Company, the Trustee and the Consulting Firm have executed this Trust Agreement as of the date first above written. 
  

			
	STATE STREET BOSTON CORPORATION
		
	By:	 	 /s/ Susan Comeau

	Name:	 	Susan Comeau
	Title:	 	Executive Vice President of Global Human Resources

  

			
	WACHOVIA BANK OF NORTH CAROLINA, N.A.
		
	By:	 	 /s/ Beverley H. Wood

	Name:	 	Beverley H. Wood
	Title:	 	Senior Vice President

  

			
	WILLIAM M. MERCER, INC.
		
	By:	 	 /s/ James J. McCaffrey

	Name:	 	James J. McCaffrey
	Title:	 	Principal

 EXHIBIT A 
 NONQUALIFIED EMPLOYEE BENEFIT PLANS 
 1. State Street Boston Corporation Supplemental Executive Retirement Plan
effective October 1, 1987 and last amended October 19, 1995. 
 2. State Street Boston Corporation Supplemental Defined Benefit Pension Plan
effective January 1, 1995. 
 3. Individual Retirement Agreement for Edward Allinson dated September 14, 1990. 
 4. Individual Retirement Agreement for Marshall Carter dated July 23, 1991. 
 5. Individual Retirement Agreement for Jacques-Phillippe Marson dated July 1, 1992. 
 6. Individual Retirement Agreement for Ronald
O’Kelley dated December 1, 1995. 
 7. Individual Retirement Agreement for Albert Petersen dated August 1, 1991. 
 8. Individual Retirement Agreement for John Towers dated September 7, 1994. 
 9. Individual Retirement Agreement for Preston Breed, dated December 1968, as amended in 1973 and 1990. 
 10. Individual Retirement Agreement for
William Edgerly dated June 16, 1983. 
 11. Individual Retirement Agreement for Evelyn Gale dated January, 1974. 
 12. Individual Retirement Agreement for Peter Madden dated March 21, 1991. 
 13. Severance Agreement for Claver Terranova dated October, 1990. 
 14. Individual Retirement Agreement for Norton Sloan dated March 1, 1987.

 EXHIBIT B 
 COMPANY CONTRIBUTIONS 
 One million dollars ($1,000,000) shall be contributed no
later than by December 31, 1996. 
 Additional contributions shall be made after such date in amounts determined in accordance with the provisions of
this Trust. 

 EXHIBIT C 
 PAYMENT SCHEDULE 
 A. FORMER EMPLOYEES IN PAY STATUS AS OF THE DATE OF THIS EXHIBIT
C 
  

												
	 Name
	  	 Address
	  	Amount of
Payment	  	 Form of Payment
	  	 Periodicity
	  	 Beneficiary (if any)

	Ronald A. Golz	  	27 Curve St. Sherborn, MA 01770	  	$	233.99	  	100% Joint & Survivor Annuity	  	monthly	  	Geraldine A. Golz
						
	Betty Gulick	  	140 Till Rock Ln. Norwell, MA 02061	  	$	136.08	  	Life Annuity	  	monthly	  	none
						
	Bradford Tripp	  	9 Ringbolt Rd. Hingham, MA 02043	  	$	1,468.35	  	Life Annuity with 120 Payments Guaranteed	  	monthly	  	Jane L. Tripp
						
	N. Preston Breed	  	25 Somerset St. Belmont, MA 02178	  	$	272.21	  	100% Joint & Survivor Annuity	  	monthly	  	Elaine C. Breed
						
	William S. Edgerly	  	32 Highland St. Cambridge, MA 02138	  	$	4,311.52	  	Life Annuity	  	monthly	  	none
						
	Evelyn Gale	  	61 Agnes Rd. South Dennis, MA 02660	  	$	30.33	  	Life Annuity	  	monthly	  	none
						
	Claver Terranova	  	1 Royal Crest Dr., Apt. #9 North Andover, MA 01845	  	$	764.27	  	50% Joint & Survivor Annuity	  	monthly	  	Anthony Terranova
						
	Norton Sloan	  	P.O. Box 570 Ipswich, MA 01938	  	$	5,649.73	  	50% Joint & Survivor Annuity	  	monthly	  	Sandra S. Sloan

 B. FORMER EMPLOYEES NOT IN PAY STATUS AS OF THE DATE OF THIS EXHIBIT C

  

														
	 Name
	  	 Address
	  	Accrued
Benefit	  	 Form of
 Payment
	  	 Periodicity
	  	 Beneficiary
(if any)
	  	 Benefit
 Commencement
 Date

	Peter Madden	  	 State Street Boston Corp.
 P.O. Box 351
 Boston, MA 02101
	  	$	8,880.83	  	Life Annuity	  	monthly	  	none	  	4/1/97

 C. ACTIVE EMPLOYEES AS OF THE DATE OF THIS EXHIBIT C 
  

													
	 Name
	  	 Address
	  	 Accrued
Benefit
	  	 Form of
 Payment
	  	 Periodicity
	  	 Benefit
Commencement
Date
	  	 Accrued
 Benefit
Upon Change in
Control

	Jerome Abarbanel	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	F. Gregory Ahern	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	A. Edward Allinson	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Robert Almanas	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Schofield Andrews III	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Joseph Antonellis	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Steven Arst	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Lawrence Atkinson	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Kenneth Austin, Jr.	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Robert Balsbaugh	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Jacqueline Bell	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	George Bird, IV	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Susan Bonfeld	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Louise Borke	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Anne Bowen	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Mark Bowler	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Paul Brakke	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Peter Braun	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Drew Breakspear	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Laurence Brody	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	John Brown	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Laurette Bryan	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Carol Cacciamani	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Dale Carleton	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

													
	Marshall Carter	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	TBD	  	 Life
 Annuity
	  	monthly	  	 65th
 birthday
	  	TBD
							
	Charles Cassidy	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Thomas Cataldo	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Joseph Chow	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Susanne Clark	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Susan Comeau	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Elizabeth Coxe	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Kathleen Cuoculo	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Charles Dahm	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	James Darr	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Jeffrey Davis	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Brenton Dickson IV	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	R. Hillard Ebling	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	David Elwood	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Sanford England	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Gary Enos	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Howard Fairweather	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Mary Fenoglio	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	John Fiore	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Gustaff Fish, Jr.	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	George Fesus	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Agustin Fleites	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Robert Furdak	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	David Gaffney	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	John Grady	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

													
	Alan Greene	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	TBD	  	 Life
 Annuity
	  	monthly	  	 65th
 birthday
	  	TBD
							
	Vincent Grippa	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Timothy Hagerty	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Timothy Harbert	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	F. Charles Hindmarsh	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Douglas Holmes	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Andrew Howieson	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	William Hunt	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Chris Hynes	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Thomas Johnson	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Robert Kelliher, Jr.	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Clark Kellogg	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Gary King	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Stephen Kistner	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Peter Leahy	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Ronald Logue	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Nicholas Lopardo	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Trevor Lukes	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Philip Lussier	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Lynden Lyman	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	James MacDonald	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Jacques-Philip Marson	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Larry Martin	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Michael McNabb	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Theodore Miller, Jr.	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Katherine Morello	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

													
	Sharon Morin	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	TBD	  	 Life
 Annuity
	  	monthly	  	 65th
 birthday
	  	TBD
							
	James Murphy III	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	John O'Donnell	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Albert Petersen	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	James Phalen	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Christopher Pope	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Richard Poznysz	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	James Quale	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	William Reghitto	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Arlene Rockefeller	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	John Robinson, Jr.	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Thomas Rogerson	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Martin Rogosa	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	John Rusher III	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	George Russell	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Jeffrey Ruzicka	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Anthony Ryan	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Ralph Sautter	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Daniel Schneider	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Rex Schuette	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	John Serhant	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	David Sexton	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Stanley Wade Shelton	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	William Shipman	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Graham Sida	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

													
	Marc Simons	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	TBD	  	 Life
 Annuity
	  	monthly	  	 65th
 birthday
	  	TBD
							
	Alexander Sopyla	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	David Spina	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Peter Stoneberg	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Kenneth Stuart	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Robert Tartar	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Jeffrey Taylor	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	James Thompson, Jr.	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	John Towers	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Heydon Traub	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Ralph Vitale	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Barry Weinstein	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Michael Williams	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	Robert Williams	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

							
	David Wright	  	 State Street Boston Corp.
 P.O. Box 351 Boston, MA 02101

	  	 TBD
	  	 Life
 Annuity
	  	 monthly
	  	 65th
 birthday
	  	 TBD

 EXHIBIT D 
 MINIMUM STANDARDS FOR SUCCESSOR TRUSTEE 
 1. The successor trustee must not be affiliated with the Company or any
Company, entity or group which acquires the Company pursuant to a Change in Control. 
 2. The successor trustee must provide trust services to ten or more
nonqualified trusts where the trust arrangement (commonly referred to as a Rabbi Trust) does not affect the status of any underlying nonqualified plan as an unfunded plan maintained for the purpose of providing deferred compensation for select
management and highly compensated employees for purposes of Title I of ERISA. 
 3. The successor trustee has at least $25 billion in assets under trustee
custodianship. 
 4. The successor trustee has at least $5 billion in assets under discretionary investment management. 
 5. The successor trustee has more than one investment product and several classes of assets under management. 
 6. The successor trustee’s investment products have competitive performance (net of fees), in the sole and absolute judgment of the Consulting Firm, relative to
market and peer group indices. 
 7. The successor trustee must have been in the business of providing trust services to both nonqualified and qualified
plans for a period of 10 years immediately prior to its selection. 
 Notwithstanding the seven minimum standards set forth in this Schedule B, the
Consulting Firm may waive any one or more of these minimum standards if the Consulting Firm, in its sole and absolute discretion, determines that any such standard or standards can not reasonably be satisfied. 

 EXHIBIT E 
 MINIMUM STANDARDS FOR SUCCESSOR CONSULTING FIRM 
 1. The successor consulting firm shall have an office located in
Boston, Massachusetts or within 60 miles of Boston, Massachusetts. 
 2. The successor consulting firm must have at least ten offices in major metropolitan
areas in the United States of America. The employees in each of such offices shall include actuaries who are Fellows of the Society of Actuaries and are Enrolled Actuaries under ERISA. 
 3. The successor consulting firm must have been in the business of providing defined contribution and defined benefit plan recordkeeping services to both nonqualified and qualified plans for a period of five years
immediately prior to the Change in Control. 
 4. The successor consulting firm must not have a significant relationship, in the sole and absolute judgment
of the Trustee, with the Company. 
 Notwithstanding the four minimum standards set forth in this Schedule C, the Trustee may waive any one or more of these
minimum standards if the Trustee, in its sole and absolute discretion, determines that any such standard or standards can not reasonably be satisfied.

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