Document:

Bank of America Pension Restoration Plan

 Exhibit 10(c) 
 FIRST AMENDMENT 
 TO THE 
 BANK OF AMERICA PENSION RESTORATION PLAN 
 (AS AMENDED AND RESTATED EFFECTIVE JANUARY 1, 2009) 
 Instrument of
Amendment 
 THIS INSTRUMENT OF AMENDMENT (the “Instrument”) is executed this 18th day of December, 2009 by BANK OF AMERICA CORPORATION, a Delaware
corporation (the “Company”). 
 Statement of Purpose 
 The Company sponsors the Bank of America Pension Restoration Plan (the “Plan”) for the benefit of its eligible employees and the
eligible employees of its affiliated companies that participate in the Plan. The provisions of the Plan are currently set forth in an Instrument of the Company dated November 24, 2008, which amended and restated the Plan effective
January 1, 2009 (the “2009 Restatement”). By this Instrument, the Company is amending the Plan to (1) reflect relevant changes in the amendment and restatement of The Bank of America Pension Plan, (2) reflect the suspension
of awards under the Bank of America Corporation Equity Incentive Plan; and (3) otherwise meet current needs. The Company has reserved the right in Section 4.1 of the Plan to amend the Plan in whole or in part, on its own behalf and on
behalf of its affiliated companies that participate in the Plan. 
 NOW, THEREFORE, the Plan, as set forth in the 2009
Restatement, is hereby amended as follows effective as of January 1, 2009: 
 1. Section 1.2 of the Plan is hereby
amended in its entirety to read as follows: 
  

	 	“1.2	Applicable Minimum Benefits Provisions 

 The minimum monthly benefit amount payable to a Participant in a lump sum as provided in the applicable Basic Plan Specification Schedule.” 
 2. Section 2.2(b)(ii)(A) of the Plan is hereby amended in its entirety to read as follows: 
  

	 	“(A)	 Amount A equals the compensation credit that would have been allocated to the Participant’s ‘account’ under the Basic Plan as of
such date if (i) the Code Limitations did not apply to the Basic Plan, (ii) the Participant’s ‘compensation’ under the Basic Plan included the amounts, if any, deferred by the Participant under the Bank of America 401(k)
Restoration Plan or any other nonqualified deferred compensation plan designated by

	 	 
the Global Human Resources Group, (iii) the Participant’s ‘compensation’ under the Basic Plan included the EIP ‘principal amount,’ if any, of any annual incentive
awards earned for performance periods beginning on or after January 1, 2002, and (iv) the Participant’s ‘compensation’ under the Basic Plan included the CMG Plan ‘principal amount,’ if any, of any annual incentive
awards earned for performance periods beginning on or after January 1, 2006; provided, however, that a Participant’s compensation taken into account for purposes of determining this Amount A shall not exceed $250,000 for any Plan Year
beginning on or after January 1, 2005 unless the Participant experiences a Termination of Employment during the Plan Year and is rehired within the same Plan Year, in which case the Participant’s compensation taken into account for
purposes of determining this Amount A may exceed $250,000 only to the extent necessary to allow such Participant to reach the Code Limitations under the Basic Plan; and” 

 3. The last sentence in Section 2.2(b)(ii) of the Plan is hereby amended in its entirety to read as follows: 
 “For purposes of determining Amount A, the EIP principal amount and the CMG Plan principal amount, if any, for a Participant who is in
Band 0 shall be the amount communicated to the Global Human Resources Group by the Corporation’s Executive Compensation Group as the EIP principal amount and the CMG Plan principal amount, as applicable.” 
 4. The reference to “subsections (a) and (b)” in Section 2.3(d)(ii)(B) of the Plan is hereby amended to read
“subsection (b)”. 
 5. Section 2.4(c)(i) of the Plan is hereby amended in its entirety to read as follows:

  

	 	“(i)	 Amount A equals the lump sum value of the Participant’s Basic Plan benefit determined as of the Participant’s Delink Calculation Date
in accordance with the Applicable Minimum Benefits Provisions of the Basic Plan as if (A) the Code Limitations did not apply to the Basic Plan, (B) the Participant’s ‘compensation’ under the Basic Plan included any amounts
which were disregarded because of the Participant’s deferral of such amounts pursuant to an election under the Bank of America 401(k) Restoration Plan or any other nonqualified deferred compensation plan designated by the Global Human Resources
Group, (iii) the Participant’s ‘compensation’ under the Basic Plan included the EIP ‘principal amount,’ if any, of any annual incentive awards earned for performance periods beginning on or after January 1, 2002
and (iv) the Participant’s ‘compensation’ under the Basic Plan included the CMG Plan ‘principal amount,’ if any, of any annual incentive awards earned for performance periods beginning on or after January 1, 2006;
provided, however, that a Participant’s compensation taken into account for purposes of determining this Amount A shall not exceed $250,000 for any Plan Year beginning on

  

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or after January 1, 2005 unless the Participant experiences a Termination of Employment during the Plan Year and is rehired within the same Plan Year in which the Termination of Employment
occurs, in which case the Participant’s compensation taken into account for purposes of determining this Amount A may exceed $250,000 only to the extent necessary to allow such Participant to reach the Code Limitations under the Basic Plan;
and” 

 6. The reference to “paragraph (i)” in Section 2.4(d)(ii)(C) of the Plan is hereby
amended to read “paragraph (i) or (ii) of this subsection, as applicable.” 
 IN WITNESS WHEREOF, the
Corporation, on behalf of all of the Participating Employers, has caused this Instrument to be executed by its duly authorized officer as of the day and year first above written. 
  

			
	BANK OF AMERICA CORPORATION
		
	By:	 	/s/ Mark S. Behnke
		 	 Mark S. Behnke
 Global
Compensation, Benefits and
 Shared Services Executive

  

 3Bank of America 401(k) Restoration Plan

 Exhibit 10(e) 
 FIRST AMENDMENT 
 TO THE 
 BANK OF AMERICA 401(K) RESTORATION PLAN 
 (AS AMENDED AND RESTATED EFFECTIVE JANUARY 1, 2009) 
 Instrument of
Amendment 
 THIS INSTRUMENT OF AMENDMENT (the “Instrument”) is executed this 18th day of December, 2009 by BANK OF AMERICA CORPORATION, a Delaware
corporation (the “Company”). 
 Statement of Purpose 
 The Company sponsors the Bank of America 401(k) Restoration Plan (the “Plan”) for the benefit of its eligible employees and the
eligible employees of its affiliated companies that participate in the Plan. The provisions of the Plan are currently set forth in an Instrument of the Company dated September 3, 2009, which amended and restated the Plan effective
January 1, 2009. The Company has reserved the right in Section 4.1 of the Plan to amend the Plan in whole or in part, on its own behalf and on behalf of its affiliated companies that participate in the Plan. By this Instrument, the Company
is amending the Plan to reflect the suspension of awards under the Bank of America Corporation Equity Incentive Plan. 
 NOW,
THEREFORE, the Plan is hereby amended as follows effective as of January 1, 2009 
 1. The last sentence of
Section 1.14(b) of the Plan is hereby amended in its entirety to read as follows: 
 “Eligible Incentive Awards shall
not include contest prizes, hiring, retention or employment referral bonuses, one-time bonuses, suggestion program awards, long-term cash awards or any severance or similar benefits.” 
 2. Section 2.4(c) of the Plan is hereby amended in its entirety to read as follows: 
  

	 	“(c)	 Matching Contributions for EIP and MFIP Awards: Under the EIP, a percentage of an eligible Associate’s annual incentive award earned for a
performance period beginning on or after January 1, 2002 may be made in the form of an award of (i) restricted stock shares or restricted stock units granted under the Bank of America Corporation 2003 Key Associate Stock Plan (or any
successor stock plan) or (ii) long-term cash. Similarly, under the MFIP, a percentage of an eligible Associate’s annual incentive award earned for a performance period beginning on or after January 1, 2006 may be made in the form of
an award of (i) restricted mutual fund

	 	 
units granted under the MFIP or (ii) long-term cash. The remaining portion of the Associate’s annual incentive award may be payable in current cash that is not subject to a vesting
schedule. Only the portion of the Associate’s annual incentive award payable in current cash, if any, is eligible for deferral under the 401(k) Plan or the Restoration Plan. However, for an Associate covered by the EIP or the MFIP who is
eligible to receive matching contributions under the 401(k) Plan at the time when the current cash portion, if any, of such annual incentive award is payable, the Associate’s Participating Employer shall credit to the Participant’s
Matching Contribution Restoration Account an amount equal to 5% of the “Principal Amount” (as defined in the EIP and the MFIP), if any, with respect to such annual incentive award; provided, however, that in no event shall the
combined matching contributions under Section 2.4(b), this Section 2.4(c) and the 401(k) Plan for the Plan Year exceed $12,500. For purposes of this Section, the EIP Principal Amount, if any, for an Associate who is in Band 0 shall be the
amount communicated to the Global Human Resources Group by the Corporation’s Executive Compensation group as the EIP Principal Amount, if any.” 

 IN WITNESS WHEREOF, the Corporation, on behalf of all of the Participating Employers, has caused this Instrument to be executed by its duly
authorized officer as of the day and year first above written. 
  

			
	BANK OF AMERICA CORPORATION
		
	By:	 	/s/ Mark S. Behnke
		 	 Mark S. Behnke
 Global
Compensation, Benefits and
 Shared Services Executive

  

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