Document:

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                                                                    EXHIBIT 10e

                      AMENDMENT TO THE EMPIRE NATIONAL BANK
                      DIRECTORS' DEFERRED COMPENSATION PLAN

         WHEREAS, Empire National Bank (the "Company") maintains for its
eligible directors the Empire National Bank
Directors Deferred Compensation Plan (the "Plan"); and

         WHEREAS, the Company wishes to amend the Plan to allow participants to
elect to receive the payment of benefits under the Plan in a lump sum payment
following a change in control of the Company.

         NOW THEREFORE, the Plan is amended as follows:

         Effective November 1, 1999, the Section 8(e) is added to the Plan to
provide as follows:

         (E) In lieu of the payments that would otherwise be made under this
Plan, the Director may elect to receive, in the event of a Change in Control of
the Company a lump sum payment of the Director's Stock Reserve Account in a
single lump sum payment to be made within 30 days following the date of the
Change in Control of the Company. The lump sum payment attributable to the
Director's Cash Reserve Account shall be made in cash and the lump sum payment
attributable to the Director's Stock Reserve Account shall be made in Stock. Any
election under this Section 8(e) shall supersede any other payment election or
Payment Date under the Plan.

         The Participant may make the election to receive a lump sum payment
following a Change in Control of the Company by the earlier of (i) the last day
of the calendar year preceding the date of the Change in Control, or (ii) 60
days prior to the date of the Change in Control.

         A Change in Control of the Company shall be deemed to have occurred if
any one of the following events takes place:

            (i) at least 20% of the Company's outstanding stock is acquired by
                an Acquiring Person;

           (ii) Continuing Directors cease to comprise a majority of the
                Company's Board of Directors; or

          (iii) all or substantially all of the Company's assets are sold.

         The term "Acquiring Person" means any individual, corporation,
partnership or other entity, and any entity related to or acting for the benefit
of or in concert with such entity, which is the beneficial owner of 20% or more
of the shares of the common stock of the Company then outstanding; provided,
however, that "Acquiring Person" does not include the Company, any subsidiary or
any employee benefit plan of the Company or of any subsidiary of the Company.

         The term "Continuing Director" means (i) any member of the Board of
Directors of the

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Company who is not an Acquiring Person or a representative of an Acquiring
Person and who was a member of the Board of Directors of the Company prior to
the date of this Agreement, and (ii) any person who subsequently becomes a
member of the Board of Directors of the Company and who is not an Acquiring
Person or a representative of an Acquiring Person, if (A) such person's
nomination for election or election to the Board of Directors of the Company is
recommended or approved by resolution of a majority of the Continuing Directors,
or (B) such person is included as a nominee in a proxy statement of the Company
distributed when a majority of the Board of Directors of the Company consists of
Continuing Directors.

         Executed this 1st day of December             , 1999
                      ----       ---------------------      --

                                                EMPIRE NATIONAL BANK

         By: William T. Fitzgerald, Jr.
            ----------------------------------
                                                Its: Division Vice President
                                                    ----------------------------

         -------------------------------------
                                                DIRECTOR

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                                                                    EXHIBIT 10f

                 LUMP SUM PAYMENT, RELEASE, AND WAIVER AGREEMENT

     This Lump Sum Payment, Release, and Waiver Agreement (this "Agreement") is
made and entered into as of February 4, 2000, among Empire Banc Corporation
("Empire"), Huntington Bancshares Incorporated ("Huntington"), and
                            , an officer of Empire ("Executive").

                                    RECITALS

     A. Concurrently with the execution and delivery of this Agreement, Empire
and Huntington, among other things, are entering into (1) an Agreement and Plan
of Merger, which provides for the merger of Empire into Huntington (the
"Merger"), and (2) a Supplemental Agreement, which sets forth certain
representations, warranties, and covenants made by Huntington and Empire in
connection with the Merger (collectively, the "Merger Documents").

     B. Executive is a party to, or a beneficiary of, certain agreements and
plans of Empire or its subsidiaries (the "Executive Agreements and Plans") which
provide for benefits or the acceleration of benefits upon a "change of control"
of Empire, including but not limited to a Management Continuity Agreement, the
Empire National Bank Supplemental Executive Retirement Plan ("SERP"), the
Executive Supplemental Income Agreements (also known as the Executive
Supplemental Income Plan, the Supplemental Income Plan, and the Supplemental
Income Agreement, the "SIP"), supplemental nonqualified portion of the Empire
National Bank Employee Stock Ownership Plan ("ESOP") and supplemental
nonqualified portion of the Empire National Bank Savings, Investment and
Retirement Plan ("401(k) Plan"), as well as an Executive Management Trust
("Rabbi Trust") established for the funding and payment of benefits under one or
more of these plans.

                                    AGREEMENT

     NOW THEREFORE, in consideration of the mutual covenants set forth in this
Agreement, the parties agree as follows:

     1. In satisfaction of any payment or benefit payable or to become payable
under any of the Executive Agreements and Plans, the Executive agrees to accept
a lump sum payment of $                plus the amounts payable to the Executive
pursuant to Section 10 of the SERP(1) assuming that the Effective Date is the
date of termination of Executive for purposes of calculating the amount payable
pursuant to Section 10 of the SERP (collectively, the "Lump Sum Payment"),
payable as soon as administratively practicable after the Effective Time (as
defined in the Merger Documents), but no later than 10 days following the
Effective Date.

     2. Upon receipt of the Lump Sum Payment, Executive releases and waives all
rights to any benefits or payments payable or to become payable under the
Executive Agreements and Plans.

--------------------------
(1) The amount payable pursuant to Section 10 of the SERP was represented to
Huntington to be $               as of January 31, 2000.

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     3. Executive acknowledges that federal, state, city, and excise, if any,
and/or other taxes may be withheld, as required by law.

     4. Empire agrees to take all action necessary to terminate the Management
Continuity Agreement, SERP, the SIP, and the Rabbi Trust effective as of the
Effective Time and all parties agree that the payments under this Agreement will
be paid in full satisfaction of all amounts payable or to become payable under
any of the Executive Agreements and Plans.

     5. At the request of Huntington, Empire shall expense the Lump Sum Payment
prior to the Effective Time and will cooperate with Huntington with regard to
treating the Lump Sum Payment as pre-Merger expenses for book and accounting
purposes to the extent such expense recognition does not reduce Empire's or
Empire's affiliates' capital ratios below the well capitalized standard as
defined by the Office of the Comptroller of the Currency.

     6. After the Effective Time, Huntington shall employ, and Executives shall
accept the employment by Huntington during an initial transition period to
commence as of the Effective Time and end on December 31, 2000 (the "Initial
Transition Period"), and Huntington shall pay to Executive the salary currently
enjoyed by Executive during the Initial Transition Period. Except to the extent
Huntington chooses to continue beyond the Effective Time Empire Benefit Plans
(as defined in the Merger Documents) for employees of Empire Companies,
Huntington shall also provide to Executive during the Initial Transition Period
employee benefits under Huntington Benefit Plans (as defined in the Merger
Documents) which are substantially similar to those provided by Huntington and
its affiliates to their similarly situated officers and employees. Other than
the Lump Sum Payment, Executive shall not be entitled to any benefits under any
Executive Agreements and Plans after the Effective Time.

     7. After the Initial Transition Period, Executive shall become an employee
at will of Huntington on such terms and conditions as are mutually agreeable
between Executive and Huntington.

     8. Under no circumstances shall Executive be entitled to any benefits now
or in the future under the Huntington's Transition Pay Plan or any similar plan
adopted by Huntington in the future.

     9. This Agreement will terminate if the employment of Executive with Empire
terminates prior to the Merger and will terminate upon termination of the Merger
Documents for any reason prior to consummation of the Merger. Upon such
termination, no party will have any obligation hereunder.

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     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the day and year first above written.

                             HUNTINGTON BANCSHARES INCORPORATED

                             By:
                                ------------------------------------------
                                Richard A. Cheap
                                General Counsel and Secretary

                             EMPIRE BANC CORPORATION

                             By:
                                ------------------------------------------
                                James E. Dutmers, Jr.
                                Chairman and Chief Executive Officer

                             EXECUTIVE:

                                ------------------------------------------

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