Document:

<PAGE>

[FISERV LOGO]

                                Addendum No. 20
                                      to
                         Comprehensive Banking System
                         License and Service Agreement

Addendum No. 20 dated as of April 1, 2001 ("Addendum") between Fiserv Solutions,
Inc., a Wisconsin corporation with offices located at 2601 Technology Drive,
Orlando, Florida 32804 ("Company"), and Bryn Mawr Bank Corporation located at
801 Lancaster Avenue, Bryn Mawr, Pennsylvania 19010 ("Client") to the
Comprehensive Banking System License and Service Agreement No. 3810145 with an
Effective Date of December 30, 1994 between Fiserv CIR, Inc. and Client
("Agreement"). Company is successor in interest to Fiserv CIR, Inc.

Purpose

Client and Company wish to amend the Agreement in order to revise certain terms
and conditions related to maintenance and professional services provided by
Company to Client. Except as expressly modified herein, the Agreement shall
remain in full force and effect. In the event of a conflict between the terms of
the Agreement and this Addendum, the provisions of this Addendum shall control.
Capitalized terms used herein shall have the same meanings assigned them in the
Agreement.

Maintenance Services

        1. Section 4.11 of the Agreement is hereby deleted in its entirety and
replaced with the following:

        4.11 The annual Maintenance Fee specified in Schedule 1 of this
             Agreement shall be effective as of April 1, 2001 (the "Maintenance
             Effective Date") and shall continue for a period of three (3)
             years. The Maintenance Fee may be increased on each anniversary of
             the Maintenance Effective Date, provided that such increase shall
             not exceed the greater of (i) five percent (5%) per year or (ii)
             the change in the U.S. Department of Labor, Consumer Price Index
             for Urban Wage Earners and Clerical Workers, All Cities (1982 =
             100%) for the twelve-month period preceding the annual anniversary
             of the Maintenance Effect Date.

        2. Section 6.2 of the Agreement is hereby deleted in its entirety and
replaced with the following:

        6.2  Maintenance Services may be renewed after the initial three (3)
             year term for successive terms as mutually agreed to by the
             parties.

                                       1

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        3. Section A of the "Maintenance Services Section" in Schedule 1 to the
Agreement is hereby deleted in its entirety and replaced with the new Section A
set forth on the attached Exhibit A.

Professional Services

        1. The following new Section 3.10 is added to the Agreement:

        3.10  The integration services described in the attached Exhibit B
              ("Integration Services") shall be provided by Company to Client
              for the fees set forth therein. The initial term of Integration
              Services shall be one (1) year from the Maintenance Effective
              Date, and may be renewed thereafter for a term of one (1) year if
              mutually agreed between Company and Client. Any changes to the
              provisions of Exhibit B will be disclosed by Company 90 days prior
              to the renewal date. During the initial term, the daily rate(s)
              set forth in Exhibit B will be valid for twelve months following
              the Maintenance Effect Date.

Non-Disclosure

        1. Section 16.2 of the Agreement is hereby deleted in its entirety and
replaced with the following:

        16.2 Company agrees that it shall not sell, transfer, publish, disclose,
             display or otherwise make available to others any Client
             Confidential Information without Client's prior written consent.
             Company shall use Client Confidential Information only in
             connection with performance of its obligations under this
             Agreement, and shall permit access to such Client Confidential
             Information only by those of its employees who have a need to know
             such information in order for the Company to perform its
             obligations under this Agreement. Company specifically agrees that
             it will not use any non-public personal information about Client's
             customers in any manner prohibited by Title V of the Gramm-Leach-
             Bliley Act and its implementing regulations, and that it has
             implemented and will maintain appropriate measures designed to meet
             the objectives of the guidelines establishing standards for
             safeguarding customer information as adopted by Client's federal
             regulatory agency, including without limitation Federal Reserve
             Board Regulations H and P. Fiserv further agrees that it shall
             permit Client to review audits, summaries of test results, or other
             equivalent evaluations performed by Fiserv in connection with
             Fiserv's implementation and maintenance of information security
             measures. Company shall protect any Client Confidential Information
             from disclosure with the same degree of care afforded by Company to
             its own confidential information. Client Confidential Information
             shall be returned to Client by Company or destroyed upon Client's
             request after the services contemplated by this Agreement have been
             completed. All Company obligations and undertakings relating to
             Client Confidential

                                       2
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            Information shall survive the termination of this Agreement for
            whatever reason.

===============================================================================

IN WITNESS WHEREOF, this Addendum No. 20 has been executed as of the date first
set forth above by the following authorized representatives:

For and on behalf of Client             By:    William R. Mixon
                                               ----------------------------
                                        Name:  William R. Mixon
                                               ----------------------------
                                        Title: Senior Vice President & CTO
                                               ----------------------------
                                        Date:  August 15, 2001
                                               ----------------------------

For and on behalf of Company            By:
                                               ----------------------------
                                        Name:  Steve Barbee
                                               ----------------------------
                                        Title: VP--Business Development
                                               ----------------------------
                                        Date:
                                               ----------------------------

                                       3
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[FISERV LOGO]

                                   Exhibit A
                             Maintenance Services

A. Maintenance Services

Supported Modules                               Annual Maintenance Fee
-----------------                               ----------------------
I  Software System Subsystems

   Common File Subsystem                                $53,875
   Customer Information File Subsystem
   Transaction Subsystem
   Time Subsystem
   Universal Loan Subsystem
   Financial Transaction Management Subsystem
   General Ledger Subsystem
   ACH Origination
   Safe Deposit Box
   Account Reconciliation
   Charge Back Processing
   Loan Packaging
   Platform Loan Interface
   Reserve Reallocation
   FHLMC Reporting
   FNMA Reporting
   CBS Call Reporter Interface
   MCIF Interface
   IPS/Sendero A/L Interface
   CBS Branch Delivery (33 Sales $10,890,
     41 Teller $11,275)                                  22,165
   CBS Cash Management (Windows based)                    9,000
     (Annual Support fees 43 customers -
       The CBS Windows based Cash Management
       Product will be supported through
       December 31, 2001. Maintenance can be
       canceled prior to 12/31/01 with written
       notice)
   CBS Collection System & Interface (BCAS)               4,800
   Electronic Delivery Management System                 21,500
     Card Management/Transaction Authorization
     Switch Interface to MAC
     Switch Interface to Fiserv EFT
   Voice Response (Voice Response Subsystem
    (OS/2 platform) (will be supported
    Through June 30, 2002)                                4,500

   Total Base Modules Maintenance Fee
    (Invoiced Annually)                                $115,840

                                       4
<PAGE>

II. Modifications Maintenance

   Mod. No.             Description
   --------             -----------
   A0230                Safe Deposit Box Numbers                      $    400
   A0234                Construction Commitment Processing               1,000
   A0235                Rate Change Process                              1,000
   A0237                Payment Factor                                   4,500
   A0302                Backdated Rate Change                              400
   A0395                Print Ending Balance                               300
   A0409                Alternate Dealer Reserve Servicing               4,000
   A0424                Analysis Summary Block                             675
   A0425                Work with Mult. Bysync                             450
   A0441                Reformat of statement amount fields              4,000
   A0457                Change Hard Code Description of TBA/ODP Fee        150
   A0479/A0497          BCAS Dealer Number                                 400
   A0653                Interface to Unifi                               3,000

   Total Modifications Maintenance Fee (Invoiced Annually)            $ 20,275

TOTAL ANNUAL MAINTENANCE FEE                                          $136,115
==============================================================================

Additional Modification Maintenance Provisions:

1. Note: For Release 2.1, scheduled for distribution in 2002, Company will
provide the following services as part of the Integration Services activities at
the current Integration Services Rate

   . Field expansion effect on modifications
     This will include determining what fields in a modification may be impacted
     by the base field expansion. For those interfaces determined to be
     affected, Client will be notified so that the vendor affected can be
     contacted and final determination of impact be made. Should any
     moficiations require rework or enhancement due to the field expansion, this
     will be done under a separate billable project.

   . Conversion of modified code to RPGIV
     This will include conversion of modification to base CBS programs to RPGIV.
     Non-CBS programs can also optionally be done or will be moved to a separate
     source file.

2. Basic Maintenance: Maintenance coverage for the project shall be available on
standard business days from 8:30 a.m. to 5:30 p.m. Eastern Time.

3. Special Maintenance: Integration Services are excluded from this project
unless otherwise specified.

                                       5
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[FISERV LOGO]

                                   Exhibit B

                             Integration Services

Overview:

Company will assign the Client an Integration Coordinator, who will act as a
project manager for all of Client's integration needs. This coordinator will be
responsible for handling the Client's communications and correspondence
regarding CBS release retrofitting, including scheduling, coordination,
consultation, and Additional Services (as defined below) as requested. The
services provided and described below are inclusive of all CBS major and point
releases. Bulletins, emergency code fixes, beta, contracted customer
modifications, and pre-release code integration are not provided, unless
otherwise specified  in this Exhibit or specifically requested by Client as an
Additional Service.

Client may submit any or all of their modifications for integration. Company
reserves the right to review and deem 3rd Party modifications ineligible for
integration. Integration is performed on a library-by-library basis and
therefore, Company may request that Client segregate ineligible modifications
outside of the libraries to be integrated. If for any reason a modification
becomes ineligible for integration due to the nature of the CBS software
enhancements, Client will be notified of this occurrence. Client will be
responsible for securing the resources and any costs associated with the
re-coding of the modification, unless the modification is under a CBS
maintenance contract. Once re-coded, Client may have that software delivered to
Company for incorporation in the Integration Release as part of the Integration
Activities.

Scheduling and Preparation:

Upon determination of the estimated release dates by Company for major CBS
releases, Company will prepare an estimated schedule for Client and communicate
that information along with a checklist of items that Client must perform and
prepare for the integration activities. Client will be responsible for ensuring
that the information provided is supplied in a format usable by Company. All
changes to source code members or objects, by any party, must be tracked and
incorporated into integrated source code member or object by Client, from the
date of data preparation until the production installation for all integration
releases.

Client will be responsible for validating that the estimated dates for the
project meet their requirements and communicate any conflicts to Company. An
adjusted mutually agreed upon date will be determined based upon Client's
requirements and Company's resource availability.

If for any reason, Company determines that it will be unable to meet the
estimated dates for any release integration, Client will be notified and a
mutually agreed upon date will be determined.

All Client Confidential Information received from Client will be for the
explicit use of the integration activities unless other usage is granted by
Client either verbally or in writing.

                                       6
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Integration Activities:

The following activities will occur during the Integration of the Client's
Modifications for a CBS Release:

..  Match the Client's modified CBS members with the distributed CBS Release and
   merge the modified CBS software into the modified member
..  Identify and compile client specific objects that use CBS files and copybooks
..  Identify and notify Client of CBS members and objects in the modification
   libraries that are no longer used by CBS
..  Review the program usage in the modification libraries to identify and notify
   Client of any obsolete members
..  Perform a parallel nightly processing run for all major releases
..  Balance the monetary reports produced in the parallel run and resolve any
   differences that are not due to the release content
..  Provide Integration Release instructions including pre- and post-installation
   considerations and summary of release installation steps

Client is responsible for the installation of their Integration Release as well
as the CBS Release, unless otherwise specified in this Exhibit or specifically
requested by Client as an Additional Service. Integration testing activities are
limited to the verification of monetary activity based on the test data
supplied by the Client. Therefore, acceptance testing by Client is strongly
suggested prior to production installation to ensure that prior release
functionality still exists.

Support:

Company will provide support of the Integration Release for a period of 30 days
at no additional fee. After that time, the hourly Integration Coordinator fee
will be applicable. Support of the test and production installation of each
release will also be provided.

Additional Services:

Services not included with the above Integration Services are "Additional
Services". Additional Services are available upon request. If the need arises to
utilize these services, Client should contact Company to discuss these
requirements and fee schedules. Typical Additional Services include, but are not
limited to:

  .  Release installation                .  Extended functional testing
  .  Environment creation                .  Software consolidation/distribution
  .  Library consolidation               .  Change Management consultation
  .  Modification review/itemization     .  Installation of "fixes" or CBS
                                            Bulletins

                                       7

<PAGE>

Fees:

The fee structure for Integration Services is based on a flat monthly retainer
plus a per diem for actual Integration Activities performed (as defined above)
according to the rate set forth in the table below.

This fee schedule will be activated starting on the Maintenance Effective Date.

     Monthly Retainer:
     -----------------
     Integration Services               $1,200.00
     CMS/Alert Installation                150.00
                                        ---------
           Total Monthly Retainer       $1,350.00

--------------------------------------------------------------------------------
Personnel     Estimated     Daily      Minimum     Estimated Availability Dates
  Grade       Quantity      Rate*    No. of Days       From             To
--------------------------------------------------------------------------------
  IC          15 days*     $800.00       5.00          TBD              TBD
             (annual)
--------------------------------------------------------------------------------

Key to Personnel Grades:
IC = Integration Services Coordinator

*Workday = 8 hours

Payment Timetable:

Fees for Integration Services are due in lawful U.S. currency according to the
following timetable:

   ------------------------------------------------------------
      Date                 Event                Amount Payable
   ------------------------------------------------------------
   Upon Billing        Monthly Retainer           $1,350.00
   Upon Billing      Integration Activities         TBD
   ------------------------------------------------------------

                                       8<PAGE>

                                                                   Exhibit 10.15

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

         This Second Amendment to Employment Agreement is made and entered into
effective as of January 1, 2002, by and between WATSCO, INC., a Florida
corporation (hereinafter called the "Company"), and ALBERT H. NAHMAD
(hereinafter called the "Employee").

                                    RECITALS
                                    --------

         WHEREAS, the Company and the Employee entered into an Employment
Agreement effective as of January 31, 1996 (the "Employment Agreement") pursuant
to which the Employee renders certain services to the Company; and

         WHEREAS, the Compensation Committee of the Company's Board of Directors
amended the Employment Agreement effective as of January 1, 2001; and

         WHEREAS, the Company and the Employee now desire to amend Exhibit A-1
to the Employment Agreement to specify the performance based compensation
payable by the Company to the Employee for the calendar year 2002.

         NOW, THEREFORE, in consideration of the mutual promises and covenants
set forth in this Second Amendment, and other good and valuable consideration,
the parties to this Second Amendment agree as follows:

         1.       All capitalized terms in this Second Amendment shall have the
same meaning as in the Employment Agreement, unless otherwise specified.
<PAGE>

         2.       The Employment Agreement is hereby amended by replacing
"Exhibit A-1 -- 2001 Performance Goals and Performance Based Compensation" with
the attached "Exhibit A-1 -- 2002 Performance Goals and Performance Based
Compensation" thereto.

         3.       All other terms and conditions of the Employment Agreement
shall remain the same.

         IN WITNESS WHEREOF, the parties have caused this Second Amendment to be
duly executed effective as of the day and year first above written.

                                       COMPANY:

                                       WATSCO, INC.

                                       By: /x/ Barry S. Logan
                                           ------------------
                                           Barry S. Logan, Vice President

                                       EMPLOYEE:

                                       /x/ Albert H. Nahmad
                                       --------------------
                                       ALBERT H. NAHMAD

                                       -2-
<PAGE>

                                   EXHIBIT A-1

            2002 Performance Goals and Performance Based Compensation

IV.      Formula
         -------

                                                                Performance
                                                                   Based
A.       Earnings Per Share                              Compensation Formula
         ------------------                              --------------------
         For each $.01 increase.......................          $65,250

B.       Increase in Common Stock Price
         ------------------------------
         (i)   If the price of a share of Common Stock
         on 12/31/02 does not exceed $14.20...........          $     0
         (ii)  If the price of a share of Common Stock
         on 12/31/02 exceeds $14.20 but does not equal
         or exceed $17.00, for each $0.01 increase in
         per share price of a share of Common Stock
         above $14.20.................................          $ 1,200
         (iii) If the price of a share of Common Stock
         on 12/31/02 equals or exceeds $17.00, for each
         $0.01 increase in per share price of a share
         of Common Stock above $14.20.................          $ 1,600

V.       Method of Payment
         -----------------

         A.       Cash. The Performance Based Compensation determined for 2002
                  ----
                  under the formula set forth in Section I above shall be paid
                  in cash if and to the extent such Compensation does not exceed
                  $1,250,000.

         B.       Restricted Stock. If the Performance Based Compensation
                  ----------------
                  determined for 2002 under the formula set forth in Section I
                  above exceeds $1,250,000 (such excess amount being referred to
                  as the "Additional Amount"), the Executive shall be granted a
                  number of shares of restricted Class B Common Stock of the
                  Company (the "Shares") equal to the amount determined by
                  dividing (i) two times the Additional Amount, by (ii) the
                  closing price for the Class B Common Stock of the Company on
                  the American Stock Exchange as of the close of trading on
                  December 31, 2002. The value of any fractional shares shall be
                  paid in cash. The restrictions on the Shares shall lapse on
                  the first to occur of (i) October 15, 2015, (ii) termination
                  of the Executive's employment with the Company by reason of
                  Executive's disability or death, (iii) the Executive's
                  termination of employment with the Company for Good Reason;
                  (iv) the Company's termination of Executive's employment
                  without Cause, or (v) the occurrence of a Change in Control of
                  the Company ("Good Reason", "Cause", and "Change in Control"
                  to be defined in a manner consistent with the most recent
                  grant of Restricted Stock by the Company to the Executive).
<PAGE>

VI.      2000 Incentive Compensation Plan
         --------------------------------

                  The performance based award and method of payment specified
         above (the "Award") were made by the Compensation Committee in
         accordance with Section 8 of the Company's 2001 Incentive Compensation
         Plan (the "Incentive Plan") and are subject to the limitations
         contained in Section 5 of the Incentive Plan. The Award is intended to
         qualify as "performance based compensation" under Section 162(m) of the
         Internal Revenue Code.

Dated:   Effective as of January 1, 2002       /x/ Paul Manley
                                               ---------------
                                               Paul Manley, Chairman
                                               Compensation Committee

                                               Acknowledged and Accepted:

                                               /x/ Albert H. Nahmad
                                               --------------------
                                               Albert H. Nahmad

                                       -4-

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