Document:

AMENDMENT 3 TO EXECUTIVE DEFERED COMPENSATION PLAN NO 1

 Exhibit 10. (k) 
  
 AMENDMENT THREE 
 TO 
 THE FLEETBOSTON FINANCIAL CORPORATION 
 EXECUTIVE DEFERRED COMPENSATION PLAN NO. 1 
 (1997 Restatement) 
  
 Section 2(c)(iv) of the Plan is amended effective December 16, 2003, to read
as follows: 
  
 (iv) Upon a termination of employment following
any of the events described in clauses (1) through (4) below, the Employee will receive retirement income (less applicable withholding) in fifteen annual installments commencing at age 65 (or, if later, commencing at retirement); provided, however,
that if the Employee has previously made (or, subject to the requirements of the Plan relating to the timing of distribution elections, makes) a valid election either to receive retirement income (less applicable withholding) as set forth in his or
her compensation deferral agreement in a lump sum payment as soon as practicable following termination of employment or to defer receipt to a specified date not later than age 65 (or, if later, commencing at retirement) and to receive such balance
in a series of up to fifteen annual installments, then the terms of such election shall control: (1) the termination of employment of an Employee with the Employer (or its subsidiary or affiliate) after attaining age 65; (2) the termination of
employment of an Employee (or its subsidiary or affiliate) after attaining age 55 and completing five years of continuous service with the Employer (or its subsidiary or affiliate); or (3) the designation by the Committee in its sole discretion that
an Employee shall be entitled to receive his or her balance as described above (regardless of the Employee’s age and years of service); or (4) a “change of control” as defined in the trust referred to in Section 7. If retirement
occurs before or after age 65, the amount of retirement income will be less or greater than the amount specified in the agreement but will be calculated as though the amount deferred had been credited with interest at 15 percent (10 percent for
Employees who become participants in the Plan on or after December 1, 1986 and prior to November 1, 1988 and 9 percent for Employees who become participants in the Plan on or after November 1, 1988). 

 IN WITNESS WHEREOF, this Amendment Three was adopted by the Human Resources Committee at its December 16,
2003 meeting and is executed by a duly authorized officer of the Company on this 19th day of December, 2003.

  
  

			
	 FLEETBOSTON FINANCIAL CORPORATION

		
	 By:
	 	 /S/    M. ANNE SZOSTAK

	 	 	M. Anne Szostak
	 	 	 Executive Vice President and Director of Human ResourcesAMENDMENT 6 TO EXECUTIVE DEFERRED COMPENSATION PLAN NO 2

 Exhibit 10. (m) 
  
 AMENDMENT SIX 
 TO 
 THE FLEETBOSTON FINANCIAL CORPORATION 
 EXECUTIVE DEFERRED COMPENSATION PLAN NO. 2 
 (1997 Restatement) 
  
 1. Section 8.1(d) of the Plan is amended effective December 16, 2003, to read
as follows: 
  
 (d) A Participant may make a one-time irrevocable
election, in accordance with procedures established by the Committee, to receive a lump-sum payment of Deferrals made after December 31, 1997 and before the time of such payment. Such lump-sum payment shall be made as soon as reasonably practicable
after January 1, 2003, if the Participant files an election with the Committee on or before December 31, 2001 to receive such distribution. Alternatively, such lump-sum payment shall be made as soon as reasonably practicable after January 1, 2004,
if the Participant files an election with the Committee on or before December 31, 2002 to receive such distribution. The annual interest equivalent factors applicable to Deferrals to be distributed in accordance with this Section 8.1(d) shall be
redetermined in the manner provided for in the last sentence of Section 6.2, such that no basis-point reduction applies with respect to the annual interest equivalent factors applicable to such Deferrals. Any Participant electing payment under this
Section 8.1(d) shall be prohibited from electing to make Deferrals under Article V of the Plan for the calendar year in which the lump-sum distribution is paid (either calendar year 2003 or 2004, as applicable). The Participant’s election under
this Section 8.1(d) shall have the effect of accelerating the otherwise applicable time for payment of applicable Deferrals under the Plan, but shall not delay payment otherwise required under the terms of the Plan. 
  
 2. Section 6.3 is amended effective December 16, 2003, to read as follows:

  
 6.3 During Distribution or Upon Change of
Control. The annual interest equivalent factors applied to Deferrals of a Participant following commencement by the Participant of annual installment distributions shall be fixed at the interest equivalent factors applied to the
Participant’s Deferrals in the month immediately prior to the month that annual installment distributions commence. Following a Change of Control, the annual interest equivalent factors applied to pre-1998 Deferrals of each individual
Participant shall not be less than the annual interest equivalent factors applicable to such Deferrals of the Participant immediately prior to the Change of Control (determined without regard to Section 6.2). Following a 

 Change of Control, the annual interest equivalent factors applied to post-1997 Deferrals of each individual a Participant
shall not be less than the annual interest equivalent factors applicable to such Deferrals of the Participant immediately prior to the Change of Control (determined without regard to Section 6.2). The provisions of this Section 6.3 shall be applied
separately to the Participant’s Deferrals for each calendar year. 
  
 IN WITNESS WHEREOF, this Amendment Six was adopted by the Human Resources Committee at its December 16, 2003 meeting and is executed by a duly authorized officer of the Company on this 19th day of December, 2003. 
  
  

			
	 FLEETBOSTON FINANCIAL CORPORATION

		
	 By:
	 	 /S/    M. ANNE SZOSTAK

	 	 	M. Anne Szostak
	 	 	 Executive Vice President and Director of Human ResourcesAMENDMENT NO 4 TO EXECUTIVE SUPPLEMENTAL PLAN

 Exhibit 10. (o) 
  
 AMENDMENT FOUR 
 TO 
 THE FLEETBOSTON FINANCIAL CORPORATION 
 EXECUTIVE SUPPLEMENTAL PLAN 
 (1996 Restatement) 
  
 The FleetBoston Financial Corporation Executive Supplemental Plan
(“Plan”) is amended effective January 1, 2003, as follows: 
  
 1. Section 1.2 of the Plan is amended to read as follows: 
  
 “1.2 Purpose of the Plan. The purpose of the Plan is to provide key employees of the Company and its subsidiaries and affiliates (the “Employer”), with the opportunity to defer receipt of six percent of base salary
above a threshold specified herein, as well as to receive matching credits, to make up for benefits they would have received under the FleetBoston Financial Savings Plan (the “Fleet Savings Plan”) but for limitations imposed on
contributions under the Fleet Savings Plan by Sections 402(g) and 401(a)(17) of the Internal Revenue Code of 1986 (and the provisions of the Fleet Savings Plan applying those limitations) (hereinafter referred to as the “Code
Limitations”).” 
  
 2. Article 2 of the Plan is amended
by replacing the term “Director of Rewards, Recognition and Benefit Services” with “Director of Compensation and Benefits” wherever the former appears. 
  
 3. The first sentence of Article 3 of the Plan is amended to read as follows: 
  
 “Each employee of the Employer who satisfies the following three
requirements shall be eligible to participate in the Plan during a specified future Plan Year if so notified by the Committee: (1) the employee is a participant in the Fleet Savings Plan; (2) the annual rate of the employee’s regular base
salary in November of a Plan Year is in excess of the lesser of (a) the quotient of the dollar limit on Section 401(k) contributions under Section 402(g) for the following calendar year divided by six percent, or (b) the Section 401(a)(17)
compensation limit for the following calendar year; and (3) the employee is employed during the deferral election period in December of such Plan Year.” 

 4. The first sentence of Article 5 of the Plan is amended to read as follows: 
  
 “For each calendar year, a Participant may irrevocably elect to defer
receipt of six percent of his or her regular base salary payments, commencing with the first base salary payment due after the Participant has deferred receipt of the maximum amount of base salary which he or she is permitted to defer on a pre-tax
basis under the Fleet Savings Plan because of the Code Limitations.” 
  
 IN WITNESS WHEREOF, this Amendment Four was adopted by the Human Resources Committee at its December 16, 2003 meeting and is executed by a duly authorized officer of the Company on this 19th day of December 2003.

  
  

			
	 FLEETBOSTON FINANCIAL CORPORATION

		
	 By:
	 	 /S/    M. ANNE SZOSTAK

	 	 	M. Anne Szostak
	 	 	 Executive Vice President and Director of Human ResourcesAMENDMENT NO 5 TO RETIREMENT INCOME ASSURANCE PLAN

 Exhibit 10. (q) 
  
 AMENDMENT FIVE 
 TO 
 THE FLEETBOSTON FINANCIAL CORPORATION 
 RETIREMENT INCOME ASSURANCE PLAN 
 (1996 Restatement) 
  
 Section 4.3(b) of the Plan is amended effective December 16, 2003, to read as
follows: 
  
 A Cash Balance Participant shall separately elect the
form and timing of his or her benefit under the Plan and under the Basic Plan. Such election under the Plan, or change in any prior election, shall be made on a form approved by the Committee. An election under this Section 4.3(b) is not treated as
effective unless filed with the Committee at least one year before the Participant’s last day of active employment, except that a Participant may file a election, which will be treated as effective, before his last day of active employment if
(i) the election substitutes one form of annuity distribution for another form of annuity distribution that had been timely elected and (ii) such later-elected form is the form of distribution that the Participant elects under the Basic Plan.

  
 IN WITNESS WHEREOF, this Amendment Five was adopted by the
Human Resources Committee at its December 16, 2003 meeting and is executed by a duly authorized officer of the Company on this 19th day of December, 2003. 
  
  

			
	 FLEETBOSTON FINANCIAL CORPORATION

		
	 By:
	 	 /S/    M. ANNE SZOSTAK

	 	 	M. Anne Szostak
	 	 	 Executive Vice President and Director of Human Resources

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