Document:

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                                                                   Exhibit 10(b)

                                  AMENDMENT TO
                              EMPLOYMENT AGREEMENT
                              --------------------

      The Employment Agreement by and between FLEET FINANCIAL GROUP, INC., a
Rhode Island corporation (the "Company"), and CHARLES K. GIFFORD (the
"Executive"), dated as of March 14, 1999 (the "Agreement") is hereby amended,
effective as of February 7 , 2000, as set forth below.

      1.    Section 5(a)(i)(A) of the Agreement is hereby restated in its
            entirety to read as follows:

            (A) the "Severance Payments" as defined in Section 6.1 of the Prior
            Agreement (including without limitation payment to the Executive on
            account of the items described in paragraph (C) of such Section
            6.1), representing the amounts and benefits to which the Executive
            would have been entitled under the Prior Agreement, as determined by
            the Auditor no later than 30 days after the execution of this
            Agreement, plus interest from the Effective Date to the date of the
            payment of such Severance Payments (the "Interest Term"), at an
            annual rate equal to the "prime" rate as in effect from time to time
            (subject to the limitation that the average interest rate used
            during the Interest Term shall in no event exceed 10%), compounded
            daily (the "New Severance Payment"), provided that the Executive may
            elect to reduce the Severance Payments by the amount described in
            paragraph (B) of Section 6.1 of the Prior Agreement and, in lieu
            thereof, receive for a period of three years following the Date of
            Termination the continuation of the benefits described in Section
            3(f)(ii); and

      2.    The following new Section 5(e) is hereby added immediately following
            Section 5(d) of the Agreement.

            (e) Notwithstanding anything contained in this Agreement to the
            contrary, the Executive shall not be entitled to receive any of the
            payments set forth in this Section 5 until the earlier of (i) such
            time as the limitations on deductibility imposed by Section 162(m)
            of the Code are no longer applicable to remuneration paid by the
            Company to the Executive and (ii) three (3) months following the
            Date of Termination.

      IN WITNESS WHEREOF, the Executive and the Company have caused this
Amendment to the Agreement to be entered into, as of the day and year set forth
above.

                                /s/ CHARLES K. GIFFORD
                                ------------------------------------------------
                                CHARLES K. GIFFORD

                                FLEET BOSTON CORPORATION

                                By: /s/ EUGENE M. MCQUADE
                                    --------------------------------------------
                                Title: Vice Chairman and Chief Financial Officer
                                       -----------------------------------------<PAGE>

                                                                   EXHIBIT 10(c)

                                  AMENDMENT TO
                              EMPLOYMENT AGREEMENT
                              --------------------

                  The Employment Agreement by and between FLEET FINANCIAL GROUP,
INC., a Rhode Island corporation (the "Company"), and HENRIQUE DE CAMPOS
MEIRELLES (the "Executive"), dated as of March 14, 1999 (the "Agreement") is
hereby amended, effective as of March 14, 2000, as set forth below.

         1.       Section 5(a)(i)(A) of the Agreement is hereby restated in its
                  entirety to read as follows:

                  (A) the "Severance Payments" as defined in Section 6.1 of the
                  Prior Agreement (including without limitation payment to the
                  Executive on account of the items described in paragraph (C)
                  of such Section 6.1), representing the amounts and benefits to
                  which the Executive would have been entitled under the Prior
                  Agreement, as determined by the Auditor (as defined in Section
                  5(d)) no later than 30 days after the execution of this
                  Agreement, plus interest from the Effective Date to the date
                  of the payment of such Severance Payments (the "Interest
                  Term"), at an annual rate equal to the "prime" rate as in
                  effect from time to time (subject to the limitation that the
                  average interest rate used during the Interest Term shall in
                  no event exceed 10%), compounded daily (the "New Severance
                  Payment"), provided that, notwithstanding the foregoing, if
                  the Executive's employment is terminated other than by the
                  Company without Cause or by the Executive for Good Reason
                  prior to the second anniversary of the Effective Date, the
                  Executive shall not be entitled to receive the New Severance
                  Payment and shall instead be entitled to receive the Severance
                  Payments as defined in Section 6.1 of the Prior Agreement
                  without interest thereon and, provided, further that the
                  Executive may elect to reduce the Severance Payments by the
                  amount described in paragraph (B) of Section 6.1 of the Prior
                  Agreement and, in lieu thereof, receive for a period of three
                  years following the Date of Termination the continuation of
                  the benefits described in Section 3(f)(ii); and

         2.       Section 5(b) of the Agreement is hereby amended by adding the
                  following sentence at the end thereof.

                  Notwithstanding anything contained in this Agreement to the
                  contrary, if the Executive voluntarily terminates employment,
                  other than for Good Reason, prior to the second anniversary of
                  the Effective Date, the Executive shall not be entitled to
                  receive the New Severance Payment and shall instead be
                  entitled to receive the Severance Payments as defined in
                  Section 6.1 of the Prior Agreement without interest thereon.

                  IN WITNESS WHEREOF, the Executive and the Company have caused
this Amendment to the Agreement to be entered into, as of the day and year set
forth above.

                      /s/ HENRIQUE DE CAMPOS MEIRELLES
                      --------------------------------
                      HENRIQUE DE CAMPOS MEIRELLES

                      FLEET BOSTON CORPORATION

                      By:  /s/ EUGENE M. MCQUADE
                           ---------------------------
                           Title: VICE CHAIRMAN AND CHIEF FINANCIAL OFFICER
                                  -----------------------------------------

<PAGE>

                       [FleetBoston Financial Letterhead]

                                                       March 6, 2000

Henrique de Campos Meirelles
President of Global Banking and Financial Services
Fleet Boston Corporation
One Federal Street
Boston, Massachusetts  02110

Dear Henrique:

                  This letter is to confirm our understanding that, in the event
of a termination of your employment with Fleet Boston Corporation prior to the
second anniversary of the Effective Date (as defined in Section 1 of the
Employment Agreement between you and Fleet Boston Corporation (formerly Fleet
Financial Group, Inc.), dated March 14, 1999, as amended (the "Employment
Agreement")) due to your death or Disability (as defined in Section 4(a) of the
Employment Agreement) that entitles you to receive the payments set forth in
Section 5(a)(i) of the Employment Agreement, you, or in the event of your death
your legal representative, will be entitled to receive the New Severance Payment
(as defined in Section 5(a)(i)(A) of the Employment Agreement), notwithstanding
anything to the contrary contained in Section 5(a)(i)(A) of the Employment
Agreement.

                  As acknowledgement of this understanding, please return a
signed copy of this letter to Jannene Wagner.

                              Sincerely,

                              /s/ EUGENE M. MCQUADE

                              Eugene M. McQuade

Acknowledged and Agreed:

/s/ HENRIQUE DE CAMPOS MEIRELLES    Dated:  March 14, 2000
--------------------------------<PAGE>
                                                                   Exhibit 10(d)

                                  AMENDMENT TO
                              EMPLOYMENT AGREEMENT
                              --------------------

      The Employment Agreement by and between FLEET FINANCIAL GROUP, INC., a
Rhode Island corporation (the "Company"), and PAUL F. HOGAN (the "Executive"),
dated as of March 14, 1999 (the "Agreement") is hereby amended, effective as of
March 17 , 2000, as set forth below.

      1.    Section 5(a)(i)(A) of the Agreement is hereby restated in its
            entirety to read as follows:

            (A) the "Severance Payments" as defined in Section 6.1 of the Prior
            Agreement (including without limitation payment to the Executive on
            account of the items described in paragraph (C) of such Section
            6.1), representing the amounts and benefits to which the Executive
            would have been entitled under the Prior Agreement, as determined by
            the Auditor (as defined in Section 5(d)) no later than 30 days after
            the execution of this Agreement, plus interest from the Effective
            Date to the date of the payment of such Severance Payments (the
            "Interest Term"), at an annual rate equal to the "prime" rate as in
            effect from time to time (subject to the limitation that the average
            interest rate used during the Interest Term shall in no event exceed
            10%), compounded daily (the "New Severance Payment"), provided that,
            notwithstanding the foregoing, if the Executive's employment is
            terminated other than by the Company without Cause or by the
            Executive for Good Reason prior to the second anniversary of the
            Effective Date, the Executive shall not be entitled to receive the
            New Severance Payment and shall instead be entitled to receive the
            Severance Payments as defined in Section 6.1 of the Prior Agreement
            without interest thereon and, provided, further that the Executive
            may elect to reduce the Severance Payments by the amount described
            in paragraph (B) of Section 6.1 of the Prior Agreement and, in lieu
            thereof, receive for a period of three years following the Date of
            Termination the continuation of the benefits described in Section
            3(d)(ii); and

      2.    Section 5(b) of the Agreement is hereby amended by adding the
            following sentence at the end thereof.

            Notwithstanding anything contained in this Agreement to the
            contrary, if the Executive voluntarily terminates employment, other
            than for Good Reason, prior to the second anniversary of the
            Effective Date, the Executive shall not be entitled to receive the
            New Severance Payment and shall instead be entitled to receive the
            Severance Payments as defined in Section 6.1 of the Prior Agreement
            without interest thereon.

      IN WITNESS WHEREOF, the Executive and the Company have caused this
Amendment to the Agreement to be entered into, as of the day and year set forth
above.

                               /s/ PAUL F. HOGAN
                               -------------------------------------------------
                               PAUL F. HOGAN

                               FLEET BOSTON CORPORATION

                               By:  /s/ EUGENE M. MCQUADE
                                    --------------------------------------------
                               Title: Vice Chairman and Chief Financial Officer
                                      ------------------------------------------

<PAGE>

                     [FleetBoston Financial Letterhead]

                                                      March 6, 2000

Paul F. Hogan
Vice Chairman, Corporate/Investment Banking
Fleet Boston Corporation
One Federal Street
Boston, Massachusetts  02110

Dear Paul:

      This letter is to confirm our understanding that, in the event of a
termination of your employment with Fleet Boston Corporation prior to the second
anniversary of the Effective Date (as defined in Section 1 of the Employment
Agreement between you and Fleet Boston Corporation (formerly Fleet Financial
Group, Inc.), dated March 14, 1999, as amended (the "Employment Agreement")) due
to your death or Disability (as defined in Section 4(a) of the Employment
Agreement) that entitles you to receive the payments set forth in Section
5(a)(i) of the Employment Agreement, you, or in the event of your death your
legal representative, will be entitled to receive the New Severance Payment (as
defined in Section 5(a)(i)(A) of the Employment Agreement), notwithstanding
anything to the contrary contained in Section 5(a)(i)(A) of the Employment
Agreement.

      As acknowledgement of this understanding, please return a signed copy of
this letter to Jannene Wagner.

                                   Sincerely,

                                   /s/ EUGENE M. MCQUADE

                                   Eugene M. McQuade

Acknowledged and Agreed:

/s/ PAUL F. HOGAN                  Dated: March  17 , 2000
------------------------------                  ----

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