Document:

Fleet Financial Group, Inc. Retirement Income Assurance Plan

 Exhibit 10(w) 
  
 FLEET FINANCIAL GROUP, INC. 
  
 RETIREMENT INCOME ASSURANCE PLAN 
  
 (1996 Restatement) 
  
 ARTICLE 1. INTRODUCTION 
  
 1.1 Amendment of Plan. Fleet Financial Group, Inc. hereby amends, restates and continues the Fleet Financial Group, Inc. Retirement Income
Assurance Plan, effective as of January 1, 1996. The original effective date of the Plan is January 1, 1983. 
  
 1.2 Purpose of Plan. The purpose of the Plan is to facilitate the retirement of select employees by further supplementing the benefits to which
they are entitled under the Fleet Financial Group, Inc. Pension Plan. 
  
 1.3 Status. The Plan is intended to be a plan which is unfunded and is maintained by an employer primarily for the purpose of providing deferred compensation for a select group of management or highly compensated employees within the
meaning of sections 201(2), 301(a)(3) and 401(a)(1) of the Employees Retirement Income Security Act of 1974 (ERISA), and shall be interpreted and administered accordingly. 
  
 ARTICLE 2. DEFINITIONS 
  
 Unless defined herein, any word, phrase or term used in this Plan shall have the meaning given to it in the Basic Plan.
However, the following terms have the following meanings unless a different meaning is clearly required by the context: 
  
 2.1 “Basic Plan” means the Fleet Financial Group, Inc. Pension Plan as amended and in effect from time to time. 
  
 2.2 “Beneficiary” means any individual other than the Participant
entitled to receive benefits under the terms of the Basic Plan. 
  
 2.3 “Code” means the Internal Revenue Code of 1986, as amended. 
  

 2.4 “Committee” means the Human Resources and Planning Committee, or any successor committee,
of the Board of Directors of the Company or any other person or persons designated to administer the Plan pursuant to Article 5. 
  
 2.5 “Company” means Fleet Financial Group, Inc. 
  
 2.6 “Employer” means the Company and its subsidiaries and affiliates. 
  
 2.7 “Participant” means each employee of the Employer whose benefits under the Basic Plan are limited by Code
sections 415 or 401(a)(17). 
  
 2.8 “Plan” means the
Fleet Financial Group, Inc. Retirement Income Assurance Plan as set forth herein and in all subsequent amendments hereto. 
  
 ARTICLE 3. SOURCE OF BENEFIT PAYMENTS 
  
 3.1 Obligation of Company. The Company will establish on its books a liability with respect to its obligation for benefits payable under the Plan
to Participants (and their Beneficiaries). Each Participant and Beneficiary will be an unsecured general creditor of the Company with respect to all benefits payable under the Plan. 
  
 3.2 No Funding Required. Nothing in the Plan will be construed to obligate the Company to fund the Plan. However, the
Company may but shall not be required to establish a trust of which the Company is treated as the owner under Subpart E of Subchapter J, Chapter 1 of the Code (a “grantor trust”) and may deposit funds with the trustee of the trust
sufficient to satisfy the benefits provided under the Plan. If the Company establishes such a grantor trust and, if at the time of a “change of control” as defined in the trust, the trust has not been fully funded, the Company shall,
within the time and manner specified under such trust, deposit in such trust amounts sufficient to satisfy all obligations under the Plan as of the date of deposit. In all events the Company shall remain ultimately liable for the benefits payable
under the Plan, and, to the extent the assets at the disposal of the Trustee are insufficient to enable the Trustee to satisfy all benefits, the Company shall pay all such benefits necessary to meet its obligations under the Plan. 
  

 3.3 No Claim to Specific Benefits. Nothing in the Plan will be construed to give any individual
rights to any specific assets of the Company, or any other person or entity. 
  
 ARTICLE 4. BENEFITS 
  
 4.1
Amount of Benefits. The amount of the benefit payable under the Plan to a Participant (or to the Participant’s Beneficiary, in the event of the Participant’s death) will be equal to (a) minus (b), but not less than zero, where

  
 (a) is the amount of the benefit the
Participant (or Beneficiary) would have been entitled to receive under the Basic Plan if the limitations of sections 401(a)(17) and 415 of the Code (and provisions of the Basic Plan applying those limitations) did not exist; and 
  
 (b) is the benefit payable to the Participant (or
Beneficiary) under the Basic Plan. 
  
 4.2 Calculation and
Payment of Benefits. Benefits payable under the Plan shall be calculated in the same manner, paid in the same form, commence at the same time, and paid under the same terms and conditions as the benefits payable to the Participant (or
Beneficiary) under the Basic Plan. 
  
 4.3 Death Benefits.
In the event of the death of the Participant, benefits under the Plan will become payable to the Participant’s Beneficiary, under the same terms and conditions specified in the Basic Plan. 
  
 4.4 Effect of Termination of Benefits under the Basic Plan. If for any
reason a Participant or Beneficiary is not entitled to receive or ceases to have the right to receive benefits under the Basic Plan, such Participant or Beneficiary shall also not be entitled to receive and shall cease to have the right to receive
benefits under the Plan. 
  
 ARTICLE 5.
ADMINISTRATION 
  
 The Plan will be administered by the
Committee. The Committee will have full discretionary authority to interpret the provisions of the Plan, and decide all questions and settle all disputes which may arise in connection with the Plan, and may establish its own operative and
administrative rules and procedures in connection therewith, provided such procedures are consistent with the requirements of Section 503 of ERISA and the regulations thereunder. All interpretations, decisions and determinations made by the
Committee will be binding on all persons concerned. No member of the Committee who is a Participant in the Plan may vote or otherwise participate in any decision or act with respect to a matter relating solely to himself or herself (or to his or her
Beneficiaries). 
  

 The Committee in its sole discretion may delegate certain of its duties and responsibilities to the
Corporate Benefits Director of the Company. For purposes of the Plan any action taken by the Corporate Benefits Director pursuant to such delegation will be considered to have been taken by the Committee. The Company agrees to indemnify and to
defend to the fullest possible extent permitted by law any member of the Committee and the Corporate Benefits Director (including any person who formerly served as a member of the Committee or as a Corporate Benefits Director) against all
liabilities, damages, costs and expenses (including attorneys’ fees and amounts paid in settlement of any claims approved by the Company) occasioned by any act or omission to act in connection with the Plan, if such act or omissions is in good
faith. 
  
 ARTICLE 6. AMENDMENT OR TERMINATION OF
PLAN 
  
 The Plan may be altered, amended, revoked, terminated in
writing by the Committee or the Company in any manner and at anytime; provided, however, following a “change of control” as defined in the trust referred to under Section 3.2 above, no such alterations, amendments, revocations or
terminations shall reduce the amounts of a Participant’s benefit or his or her rights to such benefit as determined under the provisions of the Plan in effect immediately prior to such change of control, or otherwise adversely affect the
Participant’s benefits under the Plan, without the written consent of the Participant; and further provided, however, following a “change of control” as defined in the trust referred to under Section 3.2, the provisions of this
Article 6 may not be amended. 
  
 ARTICLE 7.
MISCELLANEOUS 
  
 7.1 No Assignment or Alienation. None of
the benefits, payments, proceeds or claims of any Participant or Beneficiary shall be subject to any claim of any creditor of the Participant or Beneficiary or to attachment or garnishment or other legal process by any such creditor; nor shall any
Participant or Beneficiary have any right to alienate, anticipate, commute, pledge, encumber or assign any of the benefits, payments or proceeds which he or she may expect to receive, contingently or otherwise, under the Plan. 
  
 7.2 Limitation of Rights. Neither the establishment of the Plan, nor
any amendment thereof, nor the payment of any benefits will be construed as giving any individual any legal or equitable right against the Company, any Employer, or the Committee. In no event will the Plan be deemed to constitute a contract between
any Employee and the Company, an Employer, or the Committee. This Plan shall not be deemed to be consideration for, or an inducement for, the performance of services by any employee of an Employer. 
  
 7.3 Receipt and Release. Any payment under the Plan to any Participant
or Beneficiary, or to any individual as described in Section 7.4 shall be in satisfaction of all claims with respect to benefits under the Plan against the Company, any Employer, and the Committee. 
  

 7.4 Payment for the Benefit of an Incapacitated Individual. If the committee of the Basic Plan
determines that payments due to a Participant under the Basic Plan must be paid to another individual because of a Participant’s incapacitation, benefits under the Plan will be paid to that same individual designated for that purpose under the
applicable provisions of the Basic Plan. 
  
 7.5 Governing
Law. The Plan will be construed, administered, and governed under the laws of the State of Rhode Island, to the extent not preempted by federal law. 
  
 7.6 Severability. If any provision of this Plan is held by a court of competent jurisdiction to be invalid or unenforceable, the remaining
provisions shall continue to be fully effective. 
  
 7.7
Headings and Subheadings. Headings and subheadings are inserted for convenience only and are not to be considered in the construction of the provisions of the Plan. 
  
 IN WITNESS WHEREOF, Fleet Financial Group, Inc. has caused this Plan to be executed by its duly authorized officer this
19th day of June, 1996. 
  

			
	 FLEET FINANCIAL GROUP, INC.

		
	By:	 	 /s/ William C. Mutterperl

  

  
 AMENDMENT ONE

 TO THE 
 FLEET
FINANCIAL GROUP, INC.  
 RETIREMENT INCOME ASSURANCE PLAN 
  

	1.	Section 7.8 is added effective January 1, 1997 to read as follows: 

  
 7.8 Nonduplication of Benefits 
  
 The benefits payable to a Participant under this Plan shall be reduced on an Actuarial Equivalent basis by the benefit such Participant earned under any
other similar nonqualified excess defined benefit plan that does not provide for a reduction of benefits under such plan, for benefits payable under this Plan, to the extent that the benefits under such plan were accrued upon the Participant’s
service that was included as Credited-Service under this Plan. 
  

	2.	Appendix A is added to read as follows: 

  

  
 APPENDIX A

  
 SPECIAL RULES FOR SERVICE WITH ACQUIRED ENTITIES

  
 This Appendix A is part of the Plan and contains special
rules applicable only to the Participants described herein. If provisions of this Appendix A conflict with any other provisions of the Plan with respect to such Participants, the provisions of this Appendix A shall govern. 
  

	A.	Shawmut National Corporation 

  
 1. The Shawmut National Corporation Excess Benefit Plan (“Shawmut Excess Plan”) shall merge into the Plan effective as of January 1, 1997. As of
that date, the liabilities of the Shawmut Excess Plan shall become the liabilities of the Plan and the Shawmut Excess Plan shall cease to exist. Notwithstanding anything in the Plan to the contrary, the benefit under this Plan of a Participant who
was a former participant in the Shawmut Excess Plan shall not be less than the benefit such participant would be deemed to have accrued under the terms of the Shawmut Excess Plan as of the date this Appendix A was adopted. 
  
 2. Each individual who was a participant in the Shawmut Excess Plan or the
Shawmut National Corporation Executive Supplemental Retirement Plan (“Shawmut SERP”) immediately prior to the date as of which Shawmut National Corporation merged with Fleet Financial Group, Inc., and who became an employee of the Company
or a subsidiary or affiliate as of said merger date, shall become a Participant in the Plan as of January 1, 1997. This Section A of Appendix A shall apply solely to former participants in the Shawmut Excess Plan or Shawmut SERP (“Shawmut
Participants”). 
  
 3. The benefits of Shawmut Participants
shall be determined by taking into account the principles and provisions of Specification Schedule J of the Basic Plan. For Participants who are not Cash Balance Participants, this includes adjustment of their 12/31/96 benefit, transferred from the
Shawmut Excess Plan, for increases in Average Annual Compensation after 1996. 
  

 4. As of January 1, 1997, the following Cash Balance Participants shall have the following opening
amounts credited to their Cash Balance Accounts under this Plan, which represents the total value of their benefits under the Shawmut Excess Plan as of December 31, 1996, reduced by the deemed Shawmut Excess Plan offset described in Section 5 below,
where applicable, expressed as a single sum: 
  

						
	 NAME

	  	SOC. SEC.#

	  	OPENING CASH
BALANCE

	 CLAFFEE, JAMES
	  	###-##-####	  	$	2,418.50
			
	 DELFINO, PAUL
	  	###-##-####	  	$	6,747.34
			
	 EYLES, DAVID
	  	###-##-####	  	$	17,775.70
			
	 FALK, MICHAEL
	  	###-##-####	  	$	1,509.82
			
	 HEDGES JR., ROBERT
	  	###-##-####	  	$	3,074.22
			
	 HUSTON, JOHN
	  	###-##-####	  	$	7,843.30
			
	 MALLON, WILLIAM
	  	###-##-####	  	$	4,567.26

  
 5. Because
participants in the Shawmut SERP were not also participants in the Shawmut Excess Plan, their benefit under the Plan, which is calculated by taking into account their service with Shawmut, shall be reduced by the following amounts, or the Actuarial
Equivalent thereof, which are the benefits that they would have accrued under the Shawmut Excess Plan as of December 31, 1996, with Credited Service frozen as of December 1, 1995, if they had been participants in the Shawmut Excess Plan: 

 

						
	 NAME

	  	SOC. SEC.#

	  	EXCESS PLAN OFFSET
OF MONTHLY NORMAL
RETIREMENT BENEFIT

	 BERGER, JOHN
	  	###-##-####	  	$	382.62
			
	 BROMAGE, WILLIAM
	  	###-##-####	  	$	364.00
			
	 KRAUS, EILEEN
	  	###-##-####	  	$	2,294.25
			
	 OVERSTROM, GUNNAR
	  	###-##-####	  	$	8,170.96
			
	 ROTTNER, SUSAN
	  	###-##-####	  	$	565.74

  

 IN WITNESS WHEREOF, this Amendment One has been adopted by the Human Resources and Planning Committee on the
17th day of June, 1998 and is executed by a duly authorized officer of Fleet Financial Group, Inc. 
  

			
	 FLEET FINANCIAL GROUP, INC.

		
	By:	 	 /s/ William C. Mutterperl

	 	 	 William C. Mutterperl

	 	 	 Executive Vice President, Secretary and General Counsel

  

  
 AMENDMENT TWO

 TO THE 
 FLEET
FINANCIAL GROUP, INC.  
 RETIREMENT INCOME ASSURANCE PLAN 
  
 Except as otherwise provided below, the following amendments are effective as of January 1,
2000. 
  

	1.	Upon the effective date of the final legal approval of the change in the name of the Company to FleetBoston Financial Corporation, the name “Fleet Financial Group, Inc.”
will be replaced by the name “FleetBoston Financial Corporation” wherever it appears in the Plan. 

  

	2.	Section 4.2 is amended to read as follows: 

  
 4.2 Payment of Benefits to Traditional Participants. Benefits payable under the Plan to or in respect of a Participant who
is not a Cash Balance Participant under the Basic Plan shall be calculated in the same manner, paid in the same form, commence at the same time, and paid under the same terms and conditions as the benefits paid to the Participant (or Beneficiary)
under the Basic Plan. Such Participant’s benefit payment election under the Basic Plan shall be treated as his or her benefit payment election under the Plan. 
  

	3.	Sections 4.3 and 4.4 are renumbered as 4.4 and 4.5, respectively, and a new Section 4.3 is added to Article IV to read as follows: 

  
 4.3 Payment of Benefits to Cash Balance
Participants. 
  

	 	(a)	Except as otherwise provided in this Section 4.3, benefits payable under the Plan to or in respect of a Participant who is a Cash Balance Participant under the Basic Plan shall be
calculated in the same manner and payable in the same forms, at the same times, and under the same terms and conditions as the benefits payable to the Participant (or Beneficiary) under the Basic Plan. 

  

	 	(b)	A Cash Balance Participant (or Beneficiary) shall separately elect the form and timing of his or her benefit under the Plan and under the Basic Plan. Such election under the Plan,
or change in any prior election, shall be made on a form approved by the Committee. An election under this Section 4.3 is not valid or effective unless filed with the Committee either by December 31, 1999 or at least one year prior to the
Participant’s last day of active employment. 

  

	 	(c)	A Participant who does not have a valid, timely election in effect on the last day of active employment shall have his or her benefit promptly paid out in a lump sum following
termination of employment (i.e., after the end of salary continuation payments, if applicable). 

  

	 	(d)	 Notwithstanding the foregoing provisions of this Section 4.3, if the value of a Cash Balance Participant’s benefit under the Plan at the time of termination of

  

	 	 
employment is $10,000 or less, the Participant’s benefit shall be paid out in a lump sum as soon as administratively practicable following termination
of employment. 

  

	4.	Section 4.5 is amended to read as follows: 

  
 4.5 Vesting. If a Participant or Beneficiary is not entitled to receive a benefit under the Basic Plan because the benefit
is not vested, the Participant or Beneficiary shall also not be entitled to receive benefits under the Plan. 
  

	5.	Article 5 is amended by replacing the phrase “Corporate Benefits Director” with the phrase “Director of Rewards, Recognition and Benefit Services or such
Director’s designee” wherever it appears therein. 

  

	6.	The last sentence of Article 5 is amended effective January 1, 1996, by replacing the term “omissions” with the term “omission”. 

  

	7.	Article 6 is amended to read as follows: 

  
 ARTICLE 6. AMENDMENT OR TERMINATION OF THE PLAN 
  

The Plan may be amended or terminated in writing by the Committee or the Company in any manner at any time. Notwithstanding the
previous sentence, no such amendment or termination shall reduce the amount of a Participant’s benefit or his
or her distribution rights related thereto as determined under the provisions of the Plan in effect immediately prior to such amendment or termination, and this second sentence of Article 6 is irrevocable and may not be amended. 
  

	8.	Section 7.9 is added to read as follows: 

  
 7.9 Social Security Tax. Subject to the requirements of Code section 3121(v)(2) and the regulations thereunder, the
Committee has the full discretion and authority to determine when Federal Insurance Contribution Act (“FICA”) taxes on a Participant’s Plan benefit or account are paid and whether any portion of such FICA taxes shall be withheld from
the Participant’s wages or deducted from the Participant’s benefit or account. 
  

 IN WITNESS WHEREOF, the provisions of this Amendment Two were adopted by the Human Resources, and Board Governance Committee on the 21st day of December, 1999, or are hereby adopted, and this Amendment Two is executed by a duly authorized officer of Fleet Boston Corporation. 
  

			
	 FLEET BOSTON CORPORATION

		
	By:	 	 /s/ William C. Mutterperl

	 	 	 William C. Mutterperl
 Executive Vice President,
 Secretary and General
 Counsel

  

  
 AMENDMENT THREE

 TO THE 
 FLEETBOSTON FINANCIAL CORPORATION  
 RETIREMENT INCOME ASSURANCE PLAN 
  
 Effective as of November 1, 2001, a new Section B is added to the end of Appendix A to read
as follows: 
  
 B. Liberty Wanger Asset Management.

  
 No employee who was employed with Liberty
Wanger Asset Management, L.P. at the time of the acquisition by Fleet National Bank of the asset management business of Liberty Financial Companies, Inc., shall be a Participant in the Plan at any time prior to December 31, 2005. 
  
 IN WITNESS WHEREOF, this Amendment Three is executed by a duly authorized officer of
FleetBoston Financial Corporation. 
  

			
	 FLEETBOSTON FINANCIAL CORPORATION

		
	By:	 	 /s/ William C. Mutterperl

	 	 	 William C. Mutterperl
 Executive Vice President, General Counsel
 and Secretary

  

  
 AMENDMENT FOUR

 TO 
 THE
FLEETBOSTON FINANCIAL CORPORATION 
 RETIREMENT INCOME ASSURANCE PLAN 
 (1996 Restatement) 
  
 1. Section 7.1 of the Plan is amended effective January 1, 2003, to read as follows: 
  
 7.1 Assignment or Alienation. 
  
 (a) Except as provided in Section 7.1(b) or as otherwise required by law, the interest hereunder of any Participant or Beneficiary shall
not be alienable by the Participant or Beneficiary by assignment or any other method and will not be subject to be taken by his creditors by any process whatsoever, and any attempt to cause such interest to be so subjected shall not be recognized.

  
 (b) All or a portion of a Participant’s
benefit under the Plan may be paid to another person as specified in a “Qualified Domestic Relations Order.” For this purpose, a “Qualified Domestic Relations Order” means a judgment, decree, or order (including the approval of a
settlement agreement) which is: 
  
 (i) issued
pursuant to a State’s domestic relations law; 
  
 (ii) relates to the provision of child support, alimony payments or marital property rights to a spouse, former spouse, child or other dependent of the Participant; 
  
 (iii) creates or recognizes the right of a spouse, former spouse, child or other dependent of the
Participant to receive all or a portion of the Participant’s benefits under the Plan; 
  
 (iv) provides for payment in an immediate lump sum as soon as practicable after the Committee determines that a Qualified Domestic
Relations Order exists; and 
  
 (v) meets such
other requirements established by the Committee. 
  
 (c) The Committee shall determine whether any document received by it is a Qualified Domestic Relations Order. In making this determination, the Committee may consider: 
  
 (i) the rules applicable to “domestic relations orders” under section 414(p) of the Code and
section 206(d) of ERISA; 
  
 (ii) the procedures
used under the Basic Plan to determine the qualified status of domestic relations orders; and 
  
 (iii) such other rules and procedures as it deems relevant. 
  

 2. Appendix A is amended effective January 1, 2003, to add a new Section C to the end of the Appendix to
read as follows: 
  
 C. Progress Investment Management
Company, Inc. 
  
 Notwithstanding anything in the Plan to the
contrary, Marx Cazenave, a former employee of Progress Investment Management Company, Inc., shall not be a Participant in the Plan, and neither Mr. Cazenave nor any Beneficiary of his shall be entitled to a benefit under the Plan. 
  
 IN WITNESS WHEREOF, this Amendment Four was adopted by the Human Resources
Committee at its June 17, 2003 meeting and is executed by a duly authorized officer of FleetBoston Financial Corporation. 
  

			
	FLEETBOSTON FINANCIAL CORPORATION
		
	By:	 	 /s/ M. ANNE SZOSTAK

	 	 	 M. Anne Szostak
 Executive Vice President and
 Director of Human Resources

  

  
 AMENDMENT FIVE

 TO 
 THE
FLEETBOSTON FINANCIAL CORPORATION 
 RETIREMENT INCOME ASSURANCE PLAN 
 (1996 Restatement) 
  
 Section 4.3(b) of the Plan is amended effective December 16, 2003, to read as follows: 
  
 A Cash Balance Participant shall separately elect the form and timing of his or her benefit under the Plan and under the Basic Plan. Such election under
the Plan, or change in any prior election, shall be made on a form approved by the Committee. An election under this Section 4.3(b) is not treated as effective unless filed with the Committee at least one year before the Participant’s last day
of active employment, except that a Participant may file a election, which will be treated as effective, before his last day of active employment if (i) the election substitutes one form of annuity distribution for another form of annuity
distribution that had been timely elected and (ii) such later-elected form is the form of distribution that the Participant elects under the Basic Plan. 
  
 IN WITNESS WHEREOF, this Amendment Five was adopted by the Human Resources Committee at its December 16, 2003 meeting and is executed by a duly authorized
officer of the Company on this 19th day of December, 2003. 
  

			
	 FLEETBOSTON FINANCIAL
 CORPORATION

		
	By:	 	 /s/ M. ANNE SZOSTAK

	 	 	 M. Anne Szostak
 Executive Vice President and
 Director of Human Resources

  

  
 AMENDMENT SIX

 TO 
 THE
FLEETBOSTON FINANCIAL CORPORATION 
 RETIREMENT INCOME ASSURANCE PLAN 
 (1996 Restatement) 
  
 Instrument of Amendment 
  
 THIS INSTRUMENT
is executed by BANK OF AMERICA CORPORATION, a Delaware corporation with its principal office and place of business in Charlotte, North Carolina (the “Company”). 
  
 Statement of Purpose 
  
 By this Instrument the Company is amending the FleetBoston Financial Corporation Retirement Income Assurance Plan (the “Plan”) (i) to reflect the merger of
FleetBoston Corporation with the Company, (ii) to change the Plan’s definition of compensation, (iii) to reflect the eligibility of Liberty-Wanger associates, and (iv) to reflect the impact of Tax Code section 409A. At all times, the Company
has reserved the right to amend the Plan in whole or in part. 
  
 NOW THEREFORE,
the Company hereby amends the Plan effective as of midnight on December 31, 2004 (except as otherwise indicated) as follows: 
  

	1.	Section 1.1 is amended to read as follows: 

  
 “1.1 Amendment of Plan. FleetBoston Financial Corporation hereby amends, restates and continues the FleetBoston Financial Corporation
Retirement Income Assurance Plan (the “Plan”) effective as of January 1, 1996. The original effective date of the Plan is January 1, 1983. Effective as of April 1, 2004, Bank of America Corporation (the “Company”) acquired
FleetBoston Financial Corporation and succeeded to sponsorship of the Plan.” 
  

	2.	Section 2.5 is amended to read as follows: 

  
 “2.5 “Company” means Bank of America Corporation or, where the context so requires, its predecessor or predecessors or its successor or
successors. For purposes of this Plan, immediately prior to April 1, 2004, FleetBoston Financial Corporation was the predecessor to the Bank of America Corporation.” 
  

	3.	Effective January 1, 2005, Section 4.1 is amended to read as follows: 

  
 “4.1 Amount of Benefits. The amount of the benefit payable under the Plan to a Participant (or to the Participant’s Beneficiary, in the
event of the Participant’s death) will be equal to (a) minus (b), but not less than zero, where 
  
 (a) is the amount of the benefit the Participant (or Beneficiary) would have been entitled to receive under the Basic Plan if Earnings
under the Basic Plan included deferrals of base pay, commissions, or 

  

 
non- discretionary incentive pay made under the Bank of America 401(k) Restoration Plan, provided, however, that if the limits of Section 1.14(iv) of the
Basic Plan apply to the Participant, such deferrals will be taken into account under this Section 4.1(a) only to the extent the deferrals, when added to the commissions, non-discretionary incentive pay and actual base pay previously counted under
the Basic Plan in the same year, do not exceed the limit described in Section 1.14(iv) of the Basic Plan, and 
  
 (1) in the case of a Participant who is a Cash Balance Participant under the Basic Plan, Earnings under the Basic Plan were not limited by section
401(a)(17) of the Code but were limited to an annual maximum of $250,000, and the limitations of section 415 of the Code (and provisions of the Basic Plan applying those limitations) did not exist, or 
  
 (2) in the case of a Participant who is not a Cash Balance Participant
under the Plan, the limitations of sections 401(a)(17) and 415 of the Code (and the provisions of the Basic Plan applying those limitations) did not exist, and 
  

(b) is the benefit payable to the Participant (or Beneficiary) under the Basic Plan.” 
  

	4.	Section B of Appendix A is revised to read as follows: 

  
 “B. Liberty Wanger Asset Management. 
  
 No employee who was employed with Liberty Wanger Asset Management, L.P. at the time of acquisition by Fleet National Bank of the asset management business
of Liberty Financial Companies, Inc., shall be a Participant in the Plan at any time prior to January 1, 2005.” 
  

	5.	A new Section 7.10 is added to read as follows: 

  
 “7.10 Compliance with Code Section 409A. The Plan is intended to comply with Code section 409A, and official guidance issued thereunder, with
respect to amounts deferred under the Plan after 2004. Further, the Plan is intended to be operated and administered in a manner (i) that will not constitute a “material modification” of the Plan for purposes of the effective date
provisions of Code section 409A or (ii) that would otherwise cause amounts deferred prior to 2005 to become subject to the requirements of Code section 409A. Notwithstanding any provision of the Plan to the contrary, the Plan shall be interpreted,
operated, and administered consistent with this intent.” 
  

	6.	Except as expressly or by necessary implication amended hereby, the Plan shall continue in full force and effect. 

  

 IN WITNESS WHEREOF, Bank of America Corporation, on behalf of all participating employers in the Plan, has caused this
Instrument to be duly executed on the 17th day of December, 2004. 
  

			
	BANK OF AMERICA CORPORATION
		
	BY:	 	 /s/ J. Steele Alphin

	 	 	 J. Steele Alphin, Corporate Personnel ExecutiveTrust Agreement for the FleetBoston Executive Deferred Comp Plans No. 1 and 2

  
 Exhibit 10(x)

  
 FLEET FINANCIAL GROUP, INC. 
 TRUST AGREEMENT FOR 
 EXECUTIVE DEFERRED
COMPENSATION PLANS NO. 1 AND 2 
  
 (1997 RESTATEMENT) 

 
 TRUST AGREEMENT FOR 
 EXECUTIVE DEFERRED COMPENSATION PLANS NO. 1 AND 2 
  
 This Agreement made as of this 17th day of December, 1997 by and between Fleet Financial Group, Inc. (the “Company”), whose address is One
Federal Street, Boston, Massachusetts 02110 and Fleet National Bank (the “Trustee”), of One Monarch Place, Springfield, Massachusetts 01102. 
  
 WITNESSETH 
  
 WHEREAS the Company has adopted certain unfunded plans and arrangements providing deferred compensation and supplemental executive retirement benefits for
certain executive employees, former executive employees and their beneficiaries; and 
  
 WHEREAS the Company established a trust (the “Trust”) and transferred to the Trust assets which shall be held therein, subject to the claims of the Company’s creditors in the event of the Company’s
Insolvency, as hereinafter defined, until paid to Trust Beneficiaries, as hereinafter defined, in such manner and at such times as hereinafter specified; and 
  
 WHEREAS the Company desires to make additional changes to this Trust Agreement; 
  
 NOW, THEREFORE, the parties do hereby establish the Trust and agree that the Trust shall be comprised, held and disposed of
as follows: 
  
 SECTION 1. TRUST FUND 

 
 (a) Subject to the claims of its creditors as set forth in Section 5, the
Company hereby deposits with the Trustee in trust one hundred dollars ($100) which shall become the principal of the Trust to be held, administered and disposed of by the Trustee as provided in this Trust Agreement. 
  
 (b) The purpose of the Trust is to pay as they come due benefits under
specified benefit plans and arrangements of the Company and its subsidiaries. The Company shall specify which of such plans and arrangements are to be associated with this Trust (the “Benefit Plans”) by designating them on Schedule B to
this Agreement as from time to time in effect. The Company shall also specify on Schedule B, either by name or otherwise, which of its employees and the employees of its subsidiaries, and their beneficiaries, are eligible to receive benefit payments
hereunder (each such person is referred to herein as a “Trust Beneficiary”). 
  
 (c) The Trust hereby established shall become irrevocable upon a Change of Control, as hereinafter defined as to all amounts held in Trust as of the Change of Control and all amounts contributed in Trust thereafter,
and earnings on such amounts. Prior to a Change of Control the 

  

 
Trust may be revoked by the Company at any time by a writing delivered to the Trustee. Upon such revocation, all amounts held in the Trust shall be paid to,
or upon the direction of, the Company. 
  
 (d) The Trust is
intended to be a trust of which the Company is treated as the owner under Subpart E of Subchapter J, Chapter 1 of the Internal Revenue Code of 1986, as from time to time amended, and shall be construed accordingly. 
  
 (e) The principal of the Trust and any earnings thereon which are not
returned to the Company in accordance with the specific provisions of this Agreement or used to defray the expenses of the Trust shall be used exclusively for the benefit of Trust Beneficiaries subject in every case to the provisions of Section 5
(relating to Insolvency of the Company). The Trust Beneficiaries shall not have any preferred claim on, or any beneficial ownership interest in, any assets of the Trust prior to the time such assets are distributed hereunder, and all rights of Trust
Beneficiaries created under any of the Benefit Plans or under this Trust Agreement shall be mere unsecured contractual rights against the Company. 
  
 SECTION 2. CHANGE OF CONTROL 
  
 For all purposes of this Agreement, “Change of Control” means a Change of Control, as defined in Schedule A hereto, of the Company. 

 
 SECTION 3. CONTRIBUTIONS TO THE TRUST 
  
 (a) The Company may at any time and from time to time make additional
deposits of cash or other property in Trust with the Trustee to augment the principal to be held, administered and disposed of by the Trustee as provided in this Trust Agreement. Upon a determination by the Board of Directors of the Company that a
Change of Control is imminent, the Company shall contribute to the Trust, except as the Board of Directors of the Company shall otherwise specify, the full amount anticipated to be required under paragraph (c) below. Upon the actual occurrence of a
Change of Control, the Company shall make such additional contributions to the Trust as are required by paragraph (c). Prior to a Change of Control, the Company may at any time withdraw from the Trust such amounts as it may designate in writing to
the Trustee. 
  
 (b) Contributions to the Trust and earnings
thereon shall be allocated, in such manner as the Company shall designate in writing to the Trustee prior to a Change of Control, among the benefits payable under specified Benefit Plans. The allocations described in this paragraph shall not require
the segregation or separate investment of any assets held in Trust, and nothing in this paragraph shall be construed as conferring on any Trust Beneficiary any rights in specific assets of the Trust. 
  
 (c) Within 90 days after a Change of Control (or 180 days, if the Company
delivers to the Trustee evidence satisfactory to the Trustee that the computations necessary hereunder cannot be completed in 90 days), the Company shall contribute to the Trust the present value, determined as hereinafter provided, of all benefits
remaining to be paid under the Benefit Plans designated on Schedule B as in effect immediately prior to the Change of Control, including benefits in pay status and benefits payable in the future in respect of persons not yet retired, less amounts
previously contributed to the Trust in respect of each such Benefit Plan and less any 

  

 2 

 
such amounts paid directly to Trust Beneficiaries by the Company following the Change of Control. The present value of benefits payable in the future shall
be determined using the assumptions set forth in Schedule C to this Agreement as in effect immediately prior to the Change of Control. The Trustee shall have no responsibility for determining the adequacy of any amount contributed hereunder.

  
 (d) Amounts transferred to the Trust in respect of the Benefit
Plans above, shall be held in Trust until distributed in accordance with this Agreement and the provisions of Schedule B. 
  
 (e) In addition to the contributions described above in this Section, the Company shall within 15 days of a Change of Control deposit an amount determined
as hereafter provided for use in helping to defray the legal expenses of Trust Beneficiaries in enforcing their rights under the Benefit Plans. The amounts to be deposited in the Trust in accordance with the immediately preceding sentence shall be
the amount fixed by the Human Resources and Planning Committee of the Board of Directors of the Company, or any successor committee of said Board (the “Committee”), prior to the Change of Control; provided, that if no such amount is fixed,
the amount to be deposited shall be 15 percent of the present value of all benefits as determined under paragraph (c) above of this Section 3; and further provided, that such amount shall not exceed [amount to be inserted]. 
  
 SECTION 4. PAYMENTS TO TRUST BENEFICIARIES 
  
 (a) The Trustee shall make payments of benefits to Trust Beneficiaries from
the assets of the Trust in accordance with the provisions of Schedule B and the other terms of this Agreement, as from time to time in effect. 
  
 (b) Schedule B as from time to time in effect shall specify the amounts, or the bases for determining the amounts, payable to each Trust Beneficiary under
each Benefit Plan. The Company may at any time and from time to time modify or supplement the provisions of Schedule B by delivery of an instrument in writing to the Trustee; provided, however, that following a Change of Control no such modification
or supplement shall reduce the benefits payable hereunder to any person then designated as a Trust Beneficiary with respect to a plan or arrangement then specified as a Benefit Plan below the level specified by the terms of such Benefit Plan as in
effect immediately prior to the Change of Control, except by reason of the correction of a clear error or unless such Trust Beneficiary consents in writing to such modification or supplement. Nothing in the preceding sentence shall require payment
hereunder, following a Change of Control, of benefits that would not be payable (e.g., because of termination for cause) under the express terms of a Benefit Plan in effect immediately prior to the Change of Control. Prior to a Change of Control the
name of any Trust Beneficiary and any other benefit information, including the designation of Benefit Plans may be added to or deleted from Schedule B in the discretion of the Company. 
  
 (c) Upon receipt of evidence satisfactory to the Trustee that a benefit otherwise payable hereunder has been paid by the
Company directly to a Trust Beneficiary, the Trustee shall reimburse the Company for such payment. The Trustee shall not be obligated to make any 

  

 3 

 
reimbursement hereunder unless it receives such evidence of payment by the Company at least three (3) business days prior to the scheduled date for payment
of the benefit from the Trust. 
  
 SECTION 5. TRUSTEE RESPONSIBILITY REGARDING
PAYMENTS TO TRUST BENEFICIARIES WHEN COMPANY INSOLVENT 
  
 (a)
The Company shall be considered “Insolvent” for purposes of this Trust Agreement if (i) the Company is unable to pay its debts as they mature, or (ii) the Company is subject to a pending proceeding as a debtor under the Bankruptcy Code.

  
 (b) At all times during the continuance of this Trust, the
principal and income of the Trust shall be subject to claims of general creditors of the Company, but only to the extent hereafter set forth. If at any time the Trustee has actual knowledge, or has determined, that the Company is Insolvent, the
Trustee shall deliver any undistributed principal and income in the Trust to satisfy such claims as a court of competent Jurisdiction may direct. The Board of Directors and the Chief Executive Officer, or if he shall have delegated the
responsibility to the Chief Financial Officer, the Chief Financial Officer of the Company shall have the duty to inform the Trustee of the Company’s Insolvency. If the Company or a person claiming to be a creditor of the Company alleges in
writing to the Trustee that the Company has become Insolvent, the Trustee shall independently determine, within thirty (30) days after receipt of such notice, whether the Company is Insolvent and, pending such determination, shall discontinue
payments of benefits to Trust Beneficiaries shall hold the Trust assets for the benefit of the Company’s general creditors, and shall resume payment of benefits to Trust Beneficiaries in accordance with Section 4 of this Trust Agreement only
after the Trustee has determined that the Company is not Insolvent (or is no longer Insolvent, if the Trustee initially determined the Company to be Insolvent). Unless the Trustee has actual knowledge of the Company’s Insolvency or has received
an allegation of Insolvency as provided in the preceding sentence, the Trustee shall have no duty to inquire whether the Company is Insolvent. The Trustee may in all events rely on such evidence concerning the Company’s solvency as may be
furnished to the Trustee which will give the Trustee a reasonable basis for making a determination concerning the Company’s solvency. Nothing in this Trust Agreement shall in any way diminish any rights of any Trust Beneficiary to pursue his or
her rights as a general creditor of the Company with respect to his or her benefits hereunder or otherwise. 
  
 (c) If the Trustee discontinues payments of benefits from the Trust and subsequently resumes such payments, the first payment following such
discontinuance shall include the aggregate amount of all payments which would have been made to Trust Beneficiaries in accordance with Schedule B during the period of such discontinuance, less the aggregate amount of payments made to Trust
Beneficiaries by the Company in lieu of the payments provided for hereunder during any such period of discontinuance (together with interest on the amount delayed at the prime rate then in effect at the Trustee on the date of said payment).

  
 SECTION 6. INVESTMENT OF PRINCIPAL AND INCOME

  
 Prior to a Change of Control, the Trustee shall invest the
principal of the Trust and any earnings thereon in accordance with such investment objectives, policies and restrictions as the Company may from time to time prescribe, or, if the Company has appointed an investment 

  

 4 

 
manager to manage or direct the investment of some or all of the assets of the Trust, in accordance with the directions of such investment manager. The
Trustee shall have no duty to inquire into or review the aforesaid investment objectives, policies, or restrictions. or the investments made pursuant to the directions of an investment manager. In no event, however, shall assets held in the Trust be
invested in securities or obligations issued by the Company or any affiliate of the Company. Following a Change of Control, the Trustee shall invest the assets of the Trust as it determines in its sole discretion, in any form of tangible or
intangible property, real or personal, or in the securities or obligations of any form of enterprise whenever it may be located (other than in securities or obligations of the Company or any affiliate of the Company). 
  
 SECTION 7. DISPOSITION OF PRINCIPAL AND INCOME 

 
 During the term of this Trust, all principal amounts contributed to the
Trust and all interest thereon, net of expenses, shall be accumulated and reinvested for the purposes herein provided. Subject to the provisions of Sections 1(c), 3(a), 4 and 12, the Company shall have no right or power to direct the Trustee to
return to the Company or to direct to others any of the Trust assets before all payments of benefits payable under the Trust, and all payments in respect of legal expenses incurred to enforce rights to such benefits, have been made to Trust
Beneficiaries. Upon payment of all such benefits and legal expenses, the Trustee shall return to the Company all amounts, if any, then remaining in the Trust. 
  

SECTION 8. ACCOUNTING BY THE TRUSTEE 
  
 The Trustee shall keep accurate and detailed records of all investments, receipts, disbursements, and all other actions required to be done, including
such specific records as shall be agreed upon in writing between the Company and the Trustee. All such accounts, books and records shall be open to inspection and audit at all reasonable times by the Company. Within sixty (60) days following the
close of each calendar year and within sixty (60) days after the removal or resignation of the Trustee, the Trustee shall deliver to the Company a written account of its administration of the Trust during such year or during the period from the
close of the last preceding year to the date of such removal or resignation, setting forth all investments, receipts, disbursements and other transactions effected by it, including a description of all securities and investments purchased and sold
with the cost or net proceeds of such purchases or sales (accrued interest paid or receivable being shown separately), and showing all cash, securities and other property held in the Trust at the end of such year as the date of such removal or
resignation, as the case may be. 
  
 SECTION 9.
RESPONSIBILITY OF THE TRUSTEE 
  
 (a) The Trustee shall act with
the care, skill, prudence and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of a like character and with like aims;
provided, however, that the Trustee shall incur no liability to anyone for any action reasonably taken in accordance with a written direction, request, or approval given by the Company or by an investment manager appointed by the Company that is
contemplated by and complies with the terms of this Trust Agreement, including distributions made in accordance with Schedule B as 

  

 5 

 
from time to time in effect, and to that extent shall be relieved of the prudent person rule for investments. 
  
 (b) The Company agrees to indemnify the Trustee against all loss or expense
incurred by the Trustee under this Agreement, except that in no event shall the Company indemnify the Trustee against any loss or expense incurred by reason of the Trustee’s own negligence or misconduct. Without limiting the foregoing, the
Trustee shall not be required to undertake or to defend on behalf of any person any litigation arising in connection with this Trust agreement, unless it be first indemnified by the Company against its prospective costs, expenses and liability.

  
 (c) The Trustee may consult with legal counsel (who may also
be counsel for the Trustee generally) with respect to any of its duties or obligations hereunder, including any determination as to whether a Change of Control has occurred or as to whether the Company is Insolvent, and shall not be held responsible
for acting or refraining from acting in accordance with the advice of any such counsel selected with reasonable care. 
  
 (d) The Trustee may hire agents, legal counsel, accountants, actuaries, investment managers and financial consultants. 
  
 (e) The Trustee shall have, without exclusions, all powers conferred on
trustees by applicable law unless expressly provided otherwise herein. 
  
 (f) Nothing in this Trust Agreement shall be construed as constituting the Trustee plan “administrator,” as that term is defined in Section 3(16) of ERISA, of any plan or arrangement pursuant to which benefits are provided
hereunder. 
  
 SECTION 10. COMPENSATION AND
EXPENSES OF THE TRUSTEE 
  
 The Trustee shall be entitled to
receive such reasonable compensation for its services as shall be agreed upon by the Company and the Trustee. The Trustee shall also be entitled to receive its reasonable expenses incurred with respect to the administration of the Trust. All such
compensation and expenses shall be payable by the Company, but if not paid by the Company shall be a charge against and may be paid from the assets of the Trust. 
  
 SECTION 11. REPLACEMENT OF THE TRUSTEE 
  
 The Trustee may be removed by the Company at any time prior to a Change of Control, or may resign at any time, in either
case by notice in writing. Upon the removal or the resignation of the Trustee, a new trustee, which shall be a bank or trust company having a combined capital and surplus of not less than $50,000,000 shall be appointed by the Company. Following a
Change of Control, the Trustee cannot be removed by the Company; provided, however, if at the time of a Change of Control the Trustee is Fleet National Bank, or its successor, or any other entity affiliated with (i) the Company or (ii) any
individual, entity, or group acquiring beneficial ownership or control of the Company in connection with a Change of Control, the Company shall within 15 days remove said Trustee and appoint an unaffiliated bank or trust company which meets the
capital and surplus requirements of this Section 11. 
  

 6 

 SECTION 12. AMENDMENT OR TERMINATION 
  
 (a) This Trust Agreement may be amended at any time and to any extent by a
written instrument executed by the Committee or the Company; provided, that no such amendment that would increase the duties or responsibilities of the Trustee shall be effective unless the Trustee shall have consented thereto; and further provided,
that following a Change of Control no amendment having an adverse effect on the benefits or legal expenses payable hereunder to any Trust Beneficiary shall be effective without the written consent of such Trust Beneficiary; and further provided,
that following a Change of Control the provisions of this Section 12 may not be amended. 
  
 (b) The Trust shall not terminate until the date on which the last Trust Beneficiary ceases to be entitled to benefits payable under the Trust, unless sooner revoked in writing in accordance with Section 1.

  
 (c) Upon termination of the Trust or upon revocation of the
Trust under Section 1, all assets remaining in the Trust shall be returned to the Company. 
  
 SECTION 13. SEVERABILITY AND ALIENATION 
  
 (a) Any provision of this Trust Agreement prohibited by law shall be ineffective to the extent of any such prohibition without invalidating the remaining
provisions hereof. 
  
 (b) To the extent permitted by law,
benefits to Trust Beneficiaries under this Agreement may not be anticipated, assigned (either at law or in equity), alienated or subject to attachment, garnishment, levy, execution or other legal or equitable process and no benefit actually paid to
Trust Beneficiaries by the Trustee shall be subject to any claim for repayment by the Company or the Trustee. 
  
 SECTION 14. GOVERNING LAW 
  
 This Trust Agreement shall be governed by and construed in accordance with the laws of Rhode Island. 
  
 SECTION 15. COUNTERPARTS 
  
 This agreement shall be executed in duplicate counterparts, one of such
counterpart for each party hereto and each copy of which shall serve as an original for all purposes, but both counterpart copies shall constitute one and the same agreement. 
  

 7 

 IN WITNESS WHEREOF, the Company and the Trustee have executed this Agreement as of the date first above
written. 
  

			
	FLEET FINANCIAL GROUP, INC.
		
	 By
	 	 /s/ WILLIAM C. MUTTERPERL

	
	 FLEET NATIONAL BANK

		
	By	 	 /s/ DONALD JONES

  

 8 

  
 SCHEDULE A 
  
 To The Trust Agreement For 
 Executive Deferred Compensation Plans No. 1 and 2 
  
 Definition of “Change of Control” 
  
 “Change of Control” shall mean: 
  
 (a) The acquisition, other than from the Company, by any individual, entity or group (within the meaning of Section 13(d)(3) or 14(d)(2) of the Securities
Exchange Act of 1934, as amended (the “Exchange Act”)) of beneficial ownership (within the meaning of Rule 13d-3 promulgated under the Exchange Act) of 25 % or more of the then outstanding shares of common stock of the Company (the
“Outstanding Company Common Stock”); provided, however, that any acquisition by the Company or its subsidiaries, or any employee benefit plan (or related trust) of the Company or its subsidiaries, of 25% or more of the Outstanding Company
Common Stock shall not constitute a Change of Control; and provided, further that any acquisition by a corporation with respect to which, following such acquisition, more than 50% of the then outstanding shares of common stock of such corporation is
then beneficially owned, directly or indirectly, by all or substantially all of the individuals and entities who were the beneficial owners of the Outstanding Company Common Stock immediately prior to such acquisition in substantially the same
proportion as their ownership immediately prior to such acquisition of the Outstanding Company Common Stock, shall not constitute a Change of Control; or 
  
 (b) Individuals who, as of January 1, 1996, constitute the Board (the “Incumbent Board”) cease for any reason to constitute at least a majority
of the Board, provided that any individual becoming a director subsequent to January 1, 1996 whose election, or nomination for election by the Company’s stockholders, was approved by a vote of at least a majority of the directors then
comprising the Incumbent Board shall be considered as though such individual were a member of the Incumbent Board, but excluding, for this purpose, any such individual whose initial assumption of office is in connection with an actual or threatened
election contest relating to the election of the directors of the Company (as such terms are used in Rule 14a- 11 of Regulation 14A promulgated under the Exchange Act); or 
  
 (c) Consummation of a reorganization, merger, consolidation, sale or other disposition of all or substantially all of the
assets of the Company (a “Business Combination”), in each case, with respect to which all or substantially all of the individuals and entities who were the beneficial owners of the Outstanding Company Common Stock immediately prior to such
Business Combination do not, following such Business Combination, beneficially own, directly or indirectly, more than 50% of the then outstanding shares of common stock of the corporation resulting from such a Business Combination (including,
without limitation, a corporation which as a result of such transaction owns the Company or all or substantially all of the Company’s assets either directly or through one or more subsidiaries). 
  
 (d) Approval by the stockholders of the Company of a complete liquidation or
dissolution of the Company. 
  

 Anything in this Agreement to the contrary notwithstanding, if an event that would, but for this
paragraph, constitute a Change of Control results from or arises out of a purchase or other acquisition of the Company, directly or indirectly, by a corporation or other entity in which any Trust Beneficiary has a greater than ten percent (10%)
direct or indirect equity interest such event shall not constitute a Change of Control solely with respect to such Trust Beneficiary. 
  

 2 

  
 SCHEDULE B 
  
 To The Trust Agreement For 
 Executive Deferred Compensation Plans No. 1 and 2 
  

	I.	List of Benefit Plans and Amendments to be Funded by Trust 

  
 Executive Deferred Compensation Plan No. 1 
  
 Executive Deferred Compensation Plan No. 2 
  

	II.	Trust Beneficiaries and Amounts or Basis for Determining Amounts Payable to each Trust Beneficiary under each Benefit Plan listed in I above 

  
 The identification of Trust Beneficiaries (active and inactive) and their
Plan 
  
 Values may be obtained from the Director of Corporate
Benefits. 
  

  
 SCHEDULE C 
  
 To The Trust Agreement For 
 Executive Deferred Compensation Plans No. 1 and 2 
  
 Mortality: 80% of 83GAM 
 Discount Rate: 7% 
 [other assumptions to be inserted]

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