Document:

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                                                                   Exhibit 10.37
                                SECOND AMENDMENT

                                     TO THE

                      KEYCORP SUPPLEMENTAL RETIREMENT PLAN

       WHEREAS, KeyCorp has established the KeyCorp Supplemental Retirement Plan
("Plan") to provide a supplemental retirement benefit to a selected group of
employees, and

       WHEREAS, the Board of Directors of KeyCorp has authorized its
Compensation Committee to amend the Plan as it deems necessary or desirable, and

       WHEREAS, the Compensation Committee of the Board of Directors of KeyCorp
has authorized the amendment of the Plan to clarify certain terms and conditions
of the Plan.

       NOW, THEREFORE, the Plan is hereby amended as follows:

       1. Section 2.1(k) of the Plan is amended to delete it in its entirety and
to substitute therefore the following:

       ""INCENTIVE COMPENSATION AWARD" shall mean an incentive compensation
       award (whether paid in cash, deferred, or a combination of both) granted
       to a Grandfathered Employee under an Incentive Compensation Plan, as
       follows:

       -   An incentive compensation award granted under the KeyCorp Annual
           Incentive Plan, the KeyCorp Short Term Incentive Compensation Plan,
           the KeyCorp Management Incentive Compensation Plan, and/or such other
           Employer-sponsored line of business Incentive Compensation Plan shall
           constitute an incentive compensation award for the year in which the
           award is earned (without regard to the actual time of payment).

       -   An incentive compensation award granted under the KeyCorp Long Term
           Incentive Compensation Plan ("LTIC Plan") with respect to any
           multi-year performance period shall be deemed to be for the last year
           of the multi-year period without regard to the actual time of payment
           of the award. Accordingly, an incentive compensation award granted
           under the LTIC Plan with respect to the three-year performance period
           of 1993, 1994, and 1995 will be deemed to be for 1995 (without regard
           to the actual time of payment), and the entire Incentive Compensation
           award under the LTIC Plan for that performance period will be a LTIC
           Plan award for the year 1995.

       -   An incentive compensation award granted under the KeyCorp Long Term
           Incentive Plan ("Long Term Plan") with respect to any multi-year
           period shall be deemed to be for the last year of the multi-year
           performance period and for the year immediately following such year
           (without regard to the actual time of payment). Accordingly, an award
           granted under the Long Term Plan with respect to the four-year
           performance period of 1998, 1999, 2000, and 2001 shall be deemed to
           be for the years 2001 and 2002, with one-half the award allocated to
           the year 2001, and one-half the award allocated to the year 2002."

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       2. Section 2.1(l) of the Plan is amended to delete it in its entirety and
to substitute therefore the following:

       ""INCENTIVE COMPENSATION PLAN" shall mean the KeyCorp Management
       Incentive Compensation Plan, the KeyCorp Annual Incentive Plan, the
       KeyCorp Short Term Incentive Compensation Plan, the KeyCorp Long Term
       Incentive Compensation Plan, the KeyCorp Long Term Incentive Plan, and/or
       such other Employer-sponsored line of business incentive compensation
       plan that KeyCorp in its sole discretion determines constitutes an
       "Incentive Compensation Plan" for purposes of this Section 2.1(l), as may
       be amended from time to time."

       3. The Amendments set forth in paragraphs 1 and 2 hereof shall be
effective as of January 1, 2000.

       4. Except as specifically amended, the Plan shall remain in full force
and effect.

       IN WITNESS WHEREOF, KeyCorp has caused this Second Amendment to the Plan
to be executed by its duly authorized officer to be effective as of the above
stated date.

                                            KEYCORP

                                            By:_______________________________

                                            Title:______________________________

                                        2<PAGE>   1
                                                                   Exhibit 10.42

                                 THIRD AMENDMENT

                                     TO THE

                   KEYCORP EXECUTIVE SUPPLEMENTAL PENSION PLAN

       WHEREAS, KeyCorp has established the KeyCorp Executive Supplemental
Pension Plan ("Plan") to provide a supplemental retirement benefit to a selected
group of employees, and

       WHEREAS, the Board of Directors of KeyCorp has authorized its
Compensation Committee to amend the Plan as it deems necessary or desirable, and

       WHEREAS, the Compensation Committee of the Board of Directors of KeyCorp
has authorized the amendment of the Plan to clarify certain terms and conditions
of the Plan.

       NOW, THEREFORE, the Plan is hereby amended as follows:

       1. Section 2.1(n) of the Plan is amended to delete it in its entirety and
to substitute therefore the following:

       ""INCENTIVE COMPENSATION AWARD" shall mean an incentive compensation
       award (whether paid in cash, deferred, or a combination of both) granted
       to a Participant under an Incentive Compensation Plan, as follows:

       -   An incentive compensation award granted under the KeyCorp Annual
           Incentive Plan, the KeyCorp Short Term Incentive Compensation Plan,
           the KeyCorp Management Incentive Compensation Plan, and/or such other
           Employer-sponsored line of business Incentive Compensation Plan shall
           constitute an incentive compensation award for the year in which the
           award is earned (without regard to the actual time of payment).

       -   An incentive compensation award granted under the KeyCorp Long Term
           Incentive Compensation Plan ("LTIC Plan") with respect to any
           multi-year performance period shall be deemed to be for the last year
           of the multi-year period without regard to the actual time of payment
           of the award. Accordingly, an incentive compensation award granted
           under the LTIC Plan with respect to the three-year performance period
           of 1993, 1994, and 1995 will be deemed to be for 1995 (without regard
           to the actual time of payment), and the entire Incentive Compensation
           award under the LTIC Plan for that performance period will be a LTIC
           Plan award for the year 1995.

       -   An incentive compensation award granted under the KeyCorp Long Term
           Incentive Plan ("Long Term Plan") with respect to any multi-year
           period shall be deemed to be for the last year of the multi-year
           performance period and for the year immediately following such year
           (without regard to the actual time of payment). Accordingly, an award
           granted under the Long Term Plan with respect to the four-year
           performance period of 1998, 1999, 2000, and 2001 shall be deemed to
           be for the years 2001 and 2002, with one-half the award allocated to
           the year 2001, and one-half the award allocated to the year 2002."

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       2. Section 2.1(o) of the Plan is amended to delete it in its entirety and
to substitute therefore the following:

       ""INCENTIVE COMPENSATION PLAN" shall mean the KeyCorp Management
       Incentive Compensation Plan, the KeyCorp Annual Incentive Plan, the
       KeyCorp Short Term Incentive Compensation Plan, the KeyCorp Long Term
       Incentive Compensation Plan, the KeyCorp Long Term Incentive Plan, and/or
       such other Employer-sponsored line of business incentive compensation
       plan that KeyCorp in its sole discretion determines constitutes an
       "Incentive Compensation Plan" for purposes of this Section 2.1(l), as may
       be amended from time to time."

       3. The Amendments set forth in paragraphs 1 and 2 hereof shall be
effective as of January 1, 2000.

       4. Except as specifically amended, the Plan shall remain in full force
and effect.

       IN WITNESS WHEREOF, KeyCorp has caused this Third Amendment to the Plan
to be executed by its duly authorized officer to be effective as of the above
stated date.

                                             KEYCORP

                                             By:________________________________

                                             Title:_____________________________

                                       2Executed in 6 Parts
                                             Counterpart No. (   )

                             NATIONAL EQUITY TRUST
                       FORBES FORTY INDEX TRUST SERIES 6
                           REFERENCE TRUST AGREEMENT

     This Reference Trust Agreement dated ________, 2001 among Prudential
Securities Incorporated, as Depositor and The Bank of New York, as Trustee, sets
forth certain provisions in full and incorporates other provisions by reference
to the document entitled "National Equity Trust, Trust Indenture and Agreement"
(the "Basic Agreement") dated February 2, 2000. Such provisions as are set forth
in full herein and such provisions as are incorporated by reference constitute a
single instrument (the "Indenture").

                                WITNESSETH THAT:

     In consideration of the premises and of the mutual agreements herein
contained, the Depositor and the Trustee agree as follows: Part I.

                     STANDARD TERMS AND CONDITIONS OF TRUST

     Subject to the provisions of Part II hereof, all the provisions contained
in the Basic Agreement are herein incorporated by reference in their entirety
and shall be deemed to be a part of this instrument as fully and to the same
extent as though said provisions had been set forth in full in this instrument.

A.      Article III, entitled "Administration of Trust," shall be amended as
        follows:

        (i)  Section 3.14 Deferred Sales Charge shall be amended to add the
             following sentences at the end thereof:

             "References to Deferred Sales Charge in this Trust Indenture and
             Agreement shall include any Creation and Development Fee indicated
             in the prospectus for a Trust.  The Creation and Development Fee
             shall be payable on each date so designated and in an amount
             determined as specified in the prospectus for a Trust."

<PAGE>

                                      -2-

                                    Part II.

                     SPECIAL TERMS AND CONDITIONS OF TRUST

     The following special terms and conditions are hereby agreed to:

A.   The Trust is denominated National Equity Trust, Forbes Forty Index Trust
     Series 6.

B.   The Units of the Trust shall be subject to a deferred sales charge.

C.   The publicly traded stocks listed in Schedule A hereto are those which,
     subject to the terms of this Indenture, have been or are to be deposited in
     Trust under this Indenture as of the date hereof.

D.   The term "Depositor" shall mean Prudential Securities Incorporated.

E.   The aggregate number of Units referred to in Sections 2.03 and 9.01 of the
      Basic Agreement is          as of the date hereof.

F.   A Unit of the Trust is hereby declared initially equal to 1/     th of the
     Trust.

G.   The term "First Settlement Date" shall mean                        , 2001.

H.   The terms "Computation Day" and "Record Date" shall be on such dates as the
     Sponsor shall direct.

I.   The term "Distribution Date" shall be on such dates as the Sponsor shall
     direct.

J.   The term "Termination Date" shall mean          , 2002.

K.   The Trustee's Annual Fee shall be $      (per 1,000 Units) for 49,999,999
     and below units outstanding $      (per 1,000 Units) on the next 50,000,000
     Units, $     (per 1,000 Units) on the next 100,000,000 Units and $     (per
     1,000 Units) on Units in excess of 200,000,000 Units.  In calculating the
     Trustee's annual fee, the fee applicable to the number of units outstanding
     shall apply to all units outstanding.

L.   The Depositor's Portfolio supervisory service fee shall be $     per 1,000
     Units.

               [Signatures and acknowledgments on separate pages]

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