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                                                                   Exhibit 10.13

                        AMENDMENT TO EMPLOYMENT AGREEMENT

                     This Amendment to Employment Agreement is entered into as
of the 18th day of May, 2000, between THE DIME SAVINGS BANK OF NEW YORK, FSB
(the "Bank"), a federal stock savings bank having its principal executive
offices at 589 Fifth Avenue, New York, New York 10017, and FRED B. KOONS (the
"Officer").

                     A. The parties hereto have previously entered into an
Employment Agreement dated as of December 15, 1998 (the "Employment Agreement").

                     B. The Employment Agreement is currently a Covered
Arrangement under the Umbrella Trust Agreement among Dime Bancorp, Inc., The
Dime Savings Bank of New York, FSB and HSBC Bank USA, as Trustee with respect to
the Covered Arrangements of The Dime Savings Bank of New York, FSB and Related
Entities (the "Umbrella Trust").

                     C. The Bank and the Officer are desirous of amending the
Employment Agreement to reflect the greater authority of the Committee under the
Umbrella Trust in interpreting the provisions of the Employment Agreement, and
to clarify that any severance benefits provided under the Employment Agreement
are in lieu of benefits provided under any other severance program maintained by
the Bank or Dime Bancorp, Inc.

                     D. The following provision is added to the end of the
Employment Agreement:

                  "Notwithstanding anything to the contrary contained herein,
         the Committee under the Umbrella Trust Agreement among Dime Bancorp,
         Inc., The Dime Savings Bank of New York, FSB and HSBC Bank USA, as
         Trustee with respect to the Covered Arrangements of The Dime Savings
         Bank of New York, FSB and Related Entities (the "Umbrella Trust" and
         the "Umbrella Trust Committee") and the trustee of the Umbrella Trust
         (the "Trustee") shall have the authority to interpret, on behalf of the
         Bank (and as applicable, the Company), the provisions of this
         Employment Agreement to the extent that interpretive
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         authority is provided to the Umbrella Trust Committee and/or the
         Trustee, as applicable, under the Umbrella Trust. The decisions of the
         Umbrella Trust Committee, the Trustee and their delegatee(s) shall
         govern the Bank's interpretation of this Employment Agreement and any
         amendments thereto, notwithstanding any authority otherwise provided to
         another individual, group of individuals or entity herein, including,
         but not limited to, the authority to determine the eligibility for,
         amount, form and timing of payments hereunder, and the calculation of
         `excess parachute payments' and the underlying elements used in their
         determination under Code Section 280G.

         The severance benefits specified in Section 8 and Section 11 hereof
         shall be in lieu of any severance pay or other severance benefit that
         the Bank or the Company may provide to terminated employees pursuant to
         any prior letters to, or agreements with, you (whether from or with the
         Company, the Bank or any of their subsidiaries or affiliates) and
         policies of the Bank or the Company that may at that time be in effect
         (unless the only severance benefits to which the Officer is entitled
         are those severance benefits provided under such policies)."

                                   THE DIME SAVINGS BANK OF NEW YORK, FSB

                                   By:  /s/ LAWRENCE J. TOAL
                                      ---------------------------------
                                   Name:
                                   Title:

                                        /s/ FRED B. KOONS
                                      ---------------------------------
                                            FRED B. KOONS

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                                                                   Exhibit 10.17

                       Amendment to the Dime Bancorp, Inc.
                            1991 Stock Incentive Plan

                           Effective December 12, 2000

                  The Dime Bancorp, Inc. 1991 Stock Incentive Plan (the "Plan")
         is hereby amended in the following particulars:

                  1. The language of Section 15.1 of the Plan preceding the
         colon is amended in its entirety to read as follows:

                     "15.1 Unless otherwise determined by the Committee at the
                     time of grant or by amendment (with the holder's consent)
                     of such grant, in the event of the earlier of (i) the
                     occurrence of a Termination Event, or (ii) the occurrence
                     of a Change in Control (as defined in Section 15.4), and
                     solely with respect to awards held by an individual in
                     service with Bancorp or a Related Company at the time of
                     any such event described in clause (i) or (ii) above"<PAGE>   1
                                                                   Exhibit 10.22

                    AMENDMENT TO THE BENEFIT RESTORATION PLAN
                    OF THE DIME SAVINGS BANK OF NEW YORK, FSB

                     Effective December 20, 2000, the Benefit Restoration Plan
of The Dime Savings Bank of New York, FSB (the "Plan") is amended as follows:

1.       The third textual sentence of Section 1.20 of the Plan is amended in
its entirety to provide as follows:

           "An action in violation of certain trading restrictions with respect
           to Bank Stock or any other employer securities imposed from time to
           time by Dime Bancorp, Inc, or the Bank shall be deemed to be
           prohibited by the Section 16 Rules solely for the purposes of the
           Plan."

2.         Section 3.2(k) of the Plan is amended in its entirety to provide as
follows:

           "(k) Securities Law Limitations. Notwithstanding anything in the Plan
           to the contrary, if at any time a Participant who is an Insider is
           prohibited by the Section 16 Rules from directing that his or her
           401(k) Plan Restoration Account be (i) deemed invested in an
           Investment Fund that invests in Bank Stock or any other employer
           securities, (ii) deemed transferred to a deemed investment in Bank
           Stock or any other employer securities, or (iii) to the extent of any
           deemed investment in Bank Stock or any other employer securities held
           in such account, deemed redeemed for whatever reason, any such
           direction shall be disregarded and not given effect."<PAGE>   1
                                                                   Exhibit 10.28

                       Amendment to the Dime Bancorp, Inc.
                     Supplemental Executive Retirement Plan

                     The Dime Bancorp, Inc. Supplemental Executive Retirement
Plan (the "Plan") is hereby amended, effective December 12, 2000 (unless
otherwise stated), in the following particulars:

         1. Clause (ii) of the second textual paragraph of Section 5 of the Plan
and the proviso immediately following such clause are amended to read as
follows:

         "(ii)     is, except as otherwise provided by the Committee
                   (provided that no such provision shall be made by
                   the Committee after a Change in Control (as
                   defined in Section 12) or an Irrevocable Election
                   without the consent of the Participant), the
                   Participant's other compensation payable under or
                   in connection with the Dime Bancorp, Inc. Officer
                   Incentive Plan (the "Officer Incentive Plan") or
                   other cash-based incentive plan or program or
                   individual arrangement providing for cash-based
                   incentive compensation, in each case with respect
                   to the period for which the determination is
                   made, but excluding, except as otherwise provided
                   by the Committee (provided that no such provision
                   shall be made by the Committee after a Change in
                   Control or an Irrevocable Election without the
                   consent of the Participant), (A) any amounts paid
                   to the Participant as a sign-on bonus in
                   connection with the initial commencement of
                   employment of the Participant with the Company or
                   any Parent or Subsidiary, (B) any amounts paid
                   to, or with respect to, the Participant with
                   respect to the grant of rights to purchase, and
                   the related purchase or vesting of, restricted
                   common stock of the Company, (C) any grants of
                   common stock of the Company or rights to purchase
                   common stock of the Company (whether or not
                   subject to vesting or other restrictions), and
                   (D) any amounts paid to or with respect to the
                   Participant as a severance payment or other
                   termination-based payment (unless otherwise
                   provided in the Participant's employment or
                   change in control agreement with the Company or
                   any of its subsidiaries);

         provided, however, that, except as otherwise provided by
         the Committee (provided that no such provision shall be
         made by the
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         Committee after a Change in Control or an
         Irrevocable Election without the consent of the
         Participant), such other compensation described in (ii)
         above shall be allocated, and deemed for these purposes as
         compensation, equally over the period in which it is earned
         (with amounts paid or payable (whether in cash, common
         stock of the Company or rights to purchase common stock of
         the Company) in connection with the Officer Incentive Plan
         deemed earned over the period with respect to which the
         award under the Officer Incentive Plan relates)."

         2. The second textual paragraph of Section 5 of the Plan is amended by
adding after the first sentence thereof the following new sentence to read as
follows:

         "If any compensation is payable under the Officer Incentive Plan to or
         with respect to a Participant in the form of shares of common stock of
         the Company or rights to purchase shares of common stock of the Company
         (whether or not subject to vesting or other restrictions), and, in
         accordance with clause (ii) above, the Committee determines, in its
         discretion, to include the stock-based compensation as Compensation
         hereunder, the value of each such share or, as applicable, each such
         stock purchase right shall, for purposes of determining the amount
         includible as Compensation, be equal to the closing sale price per
         share of the Company's common stock, as reported on the New York Stock
         Exchange, on the date the stock is granted or, if applicable, the date
         the right to purchase such stock is granted by the Company."

         3. The first and second textual sentences of Section 6 of the Plan are
amended, effective December 1, 2000, to read as follows:

         "Except as otherwise determined by the Committee and communicated by
         the Committee or its designee to a Participant, and otherwise subject
         to the remaining terms of this Section 6, each Participant shall vest
         in his or her Pension Goal in accordance with the following schedule:

          Service with the
          Company or any Parent
          or Subsidiary (or any               Percent Vested in
          predecessor of such entities)       Pension Goal
          -----------------------------       ---------------

          5 Years of Service                  50%

          6 Years of Service                  60%

          7 Years of Service                  70%

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          8 Years of Service                  80%

          9 Years of Service                  90%

          10 Years of Service or more         100%

         Service shall also consider service previously completed with Anchor
         Bancorp, Inc. or any of its Parents or Subsidiaries (determined as if
         Anchor Bancorp, Inc. were the Company).

         4. The fourth textual sentence of Section 6 of the Plan is deleted and
replaced, effective December 1, 2000, with the following four new sentences to
read as follows:

         "A Participant's Service shall be determined on the basis of completed
         months of service with the Company or any Parent or Subsidiary (or any
         predecessor of any such entities) and otherwise in accordance with the
         terms of the Retirement Plan of Dime Bancorp, Inc. (or any successor
         plan thereto). A Year of Service shall consist of a period of Service
         of 12 months. To the extent a Participant completes a period of Service
         of less than a full year, such Participant will receive credit for
         vesting purposes for a fraction of a Year of Service determined by
         dividing the number of completed months of Service performed during
         such period by 12. The resulting fraction of a Year of Service shall
         increase the Participant's vested interest in his Pension Goal
         (provided the Participant had completed at least five full Years of
         Service) by interpolation based on the vesting schedule set forth
         above."

         5. The last sentence of Section 9 of the Plan is amended to read as
follows:

                     "Notwithstanding anything in this Section 9 to the
                     contrary, and in addition to any elections otherwise
                     available to a Participant under this Section 9, a
                     Participant may elect, at such time and in such manner as
                     may be prescribed by the Committee or its designee (but no
                     later than 30 days after notice is provided to the
                     Participant), that his or her benefit under the Plan be
                     paid in any form of payment described in clause (i), (ii)
                     or (iii) of this Section 9 in lieu of the single life
                     annuity form of benefit described in the first sentence of
                     this Section 9."

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