Document:

Exhibit 10.14

                      DIRECTOR SUPPLEMENTAL RETIREMENT PLAN

                                    AGREEMENT

         This Agreement, made and entered into this day of , 2001, by and
between Park West Bank and Trust Company, a bank organized and existing under
the laws of the Commonwealth of Massachusetts, hereinafter referred to as "the
Bank", and , a director of the Bank, hereinafter referred to as "the Director".

         WHEREAS, the Director has been in the service of the Bank for several
years and has now and for years past faithfully served the Bank. It is the
consensus of the Board of Directors of the Bank (the Board) that the Director's
services have been of exceptional merit, in excess of the compensation paid and
an invaluable contribution to the profits and position of the Bank in its field
of activity.

         ACCORDINGLY, it is the desire of the Bank and the Director to enter
into this Agreement under which the Bank will agree to make certain payments to
the Director upon the Director's retirement and, alternatively, to the
Director's beneficiary(ies) in the event of the Director's death.

         FURTHERMORE, it is the intent of the parties hereto that this Agreement
be considered an arrangement maintained primarily to provide supplemental
retirement benefits for the Director, as a member of a select group of directors
of the Bank for purposes of the Employee Retirement Security Act of 1974
(ERISA). The Director is fully advised of the Bank's financial status.

         THEREFORE, in consideration of the Director's services performed in the
past and those to be performed in the future and based upon the mutual promises
and covenants herein contained, the Bank and the Director, agree as follows:

<PAGE>

1.   DEFINITIONS

         A.       Effective Date:
                  --------------

                  The Effective Date of this Agreement shall be _______________,

                  ______________

         B.       Plan Year:
                  ---------

                  Any reference to "Plan Year" shall mean a calendar year from
                  January 1 to December 31. In the year of implementation, the
                  term "Plan Year" shall mean the period from the effective date
                  to December 31 of the year of the effective date.

         C.       Retirement:
                  ----------

                  Retirement shall mean retirement from service with the Bank
                  which becomes effective when the Director reaches the
                  Director's seventy-second (72nd) birthday or such later date
                  as the Director may actually retire.

         D.       Termination of Service:
                  ----------------------

                  Termination of Service shall mean voluntary resignation of
                  service by the Director or the Bank's termination of the
                  Director's service without cause ("cause" defined in
                  Subparagraph III (D) hereinafter), prior to the Normal
                  Retirement Age (described in Subparagraph I (F) hereinafter).

         E.       Change of Control:
                  -----------------

                  For purposes of this Agreement, Change in Control shall mean
                  and include the following with respect to the Bank or any
                  successor thereto:

                           (1)      The acquisition of "control" (within the
                                    meaning of Section 2(a)(2) of the Bank
                                    Holding Company Act of 1956, as amended, or
                                    of Section 602 of the Change in Bank Control
                                    Act of 1978) of Westbank Corporation by any
                                    person, company or other entity, or of the
                                    Bank by any person, company or entity other
                                    than Westbank Corporation;

                           (2)      Any "person" (as such term is used in
                                    Sections 13(d) and 14(d)(2) of the
                                    Securities Exchange Act of 1934) is or
                                    becomes the "beneficial owner" (as defined
                                    in Rule 13d-3 thereunder), directly or
                                    indirectly, of securities of Westbank
                                    Corporation representing 20% or more of the
                                    combined voting power of Westbank
                                    Corporation's then-outstanding securities;

                                        2

<PAGE>

                           (3)      Any such person becomes the beneficial
                                    owner, directly or indirectly, of securities
                                    of Westbank Corporation representing less
                                    than 20% of Westbank Corporation's
                                    then-outstanding securities, but is
                                    determined by a court or regulatory agency
                                    with jurisdiction over the matter to possess
                                    or to have exercised control over Westbank
                                    Corporation; or

                           (4)      During any period of two consecutive years,
                                    individuals who at the beginning of such
                                    period constitute the Board of Directors of
                                    Westbank Corporation cease for any reason to
                                    constitute at least a majority thereof
                                    unless the election or the nomination for
                                    election by Westbank Corporation's
                                    stockholders of each new director was
                                    approved by a vote of at least three-fourths
                                    of the directors of Westbank Corporation
                                    then still in office who were directors at
                                    the beginning of the period.

                           (5)      Any event which would be described in
                                    Subparagraph I (E)(1), (2), (3), or (4) if
                                    the term "Bank" were substituted for the
                                    term "Westbank Corporation" herein.

         F.       Normal Retirement Age:
                  ---------------------

                  Normal Retirement Age shall mean the date on which the
                  Director attains age seventy-two (72).

         G.       Benefit Accounting:
                  ------------------

                  The Bank shall account for the benefit provided herein using
                  the regulatory accounting principles of the Bank's primary
                  federal regulator. The Bank shall establish an accrued
                  liability retirement account for the Director into which
                  appropriate reserves shall be accrued.

         H.       Single Life Annuitized Value:
                  ----------------------------

                  Single Life Annuitized Value means the annual benefit, payable
                  in the form of a single life annuity, that is actuarially
                  equivalent in value to a specified lump sum amount where
                  actuarial equivalence is determined on the basis of the
                  mortality table prescribed by the Internal Revenue Service for
                  purposes of section 417(e)(3) of the Internal Revenue Code of
                  1986 at the time of the determination and an interest rate
                  equal to the bond-equivalent yield on Treasury Securities with
                  a Constant Maturity of 30 years, as published by the Board of
                  Governors of the Federal Reserve System in its H-15 Release
                  for the most recent calendar month to end at least ninety (90)
                  days prior to the date of determination. If such mortality
                  table and/or interest rate assumption are not available at the
                  time of the determination, then the Bank shall in good faith
                  select another mortality table that purports to reflect
                  current mortality trends and/or another interest rate that
                  purports to reflect prevailing market rates for fixed income
                  securities with a term to maturity of thirty years that
                  present little or no credit risk.

                                        3

<PAGE>

         I.       Final Compensation:
                  ------------------

                  Final Compensation means as of any date the Director's yearly
                  fees actually paid during the period of twelve (12)
                  consecutive calendar months in which the Director's yearly
                  fees were at the highest annual amount achieved during or
                  prior to such date.

         J.       Social Security Benefit:
                  -----------------------

                  Social Security Benefit means the Director's primary old-age
                  insurance benefit payable to the Director beginning at the age
                  at which such benefit may be paid without reduction for early
                  payment or increase for late payment. If it shall be necessary
                  to determine the Director's Social Security Benefit before the
                  Director has attained the age at which such benefit may be
                  paid without reduction, the Director's Social Security Benefit
                  shall be deemed to be equal to the highest primary old-age
                  insurance benefit payable to any person who reaches the age at
                  which such benefit may be paid on an unreduced basis in the
                  year in which the determination is being made.

II.      EMPLOYMENT

         The Bank agrees to use the services of the Director in such capacity as
         the Bank may from time to time determine. The Director will continue in
         the service of the Bank in such capacity and with such duties and
         responsibilities as may be assigned to him, and with such compensation
         as may be determined from time to time by the Board of Directors of the
         Bank.

         No provision of this Agreement shall be deemed to restrict or limit any
         existing agreement by and between the Bank and the Director, nor shall
         any conditions herein create specific rights to the Director nor limit
         the right of the Bank to terminate the service of the Director with or
         without cause. In a similar fashion, no provision shall limit the
         Director's rights to voluntarily discontinue his service to the Bank at
         any time.

                                        4

<PAGE>

III.     BENEFITS

         A.       Retirement Benefits:
                  -------------------

                  Should the Director continue to provide services to the Bank
                  until "Normal Retirement Age" defined in Subparagraph I (F),
                  the Director shall be entitled to receive the benefits set
                  forth in this Subparagraph III (A).

                  An annual benefit equal to 75% of Final Compensation at said
                  Termination of Service. The payment of this annual benefit
                  shall commence within thirty (30) days of the Director's
                  Termination of Service.

         B.       Termination of Service:
                  ----------------------

                  Subject to Subparagraph III (D), should the Director suffer a
                  Termination of Service [Subparagraph I (D)], the Director
                  shall be entitled to receive the benefits set forth in this
                  Subparagraph III (B).

                  A benefit equal to the amount of the accrued liability
                  retirement account maintained pursuant to Subparagraph I(G) at
                  said Termination of Service to be paid within thirty (30) days
                  of the Termination of Service.

         C.       Death:
                  -----

                  Upon the death of the Director, the Director shall be entitled
                  to receive the benefits set forth in this Subparagraph III(C).

                  A benefit equal to the amount of the accrued liability
                  retirement account maintained pursuant to Subparagraph I(G)
                  existing on the date of the Director's death to be paid within
                  thirty (30) days of the date of the Director's death.

         D.       Discharge for Cause:
                  -------------------

                  Should the Director's service be terminated for cause at any
                  time, all benefits under this Agreement shall be forfeited.
                  The term "for cause" shall mean the conviction of a felony
                  that results in any adverse effect on the Bank. If a dispute
                  arises as to discharge "for cause", such dispute shall be
                  resolved by arbitration as set forth in this Agreement.

         E.       Death Benefit:
                  -------------

                  Except as set forth above, there is no death benefit provided
                  under this Agreement.

                                        5

<PAGE>

IV.      RESTRICTIONS UPON FUNDING

         The Bank shall have no obligation to set aside, earmark or entrust any
         fund or money with which to pay its obligations under this Agreement.
         The Director, the Director's beneficiary(ies) or any successor in
         interest to the Director shall have the status of a general unsecured
         creditor of the Bank in the same manner as any other unsecured creditor
         having a general claim against the Bank. This Agreement constitutes a
         mere promise by the Bank to make benefit payments in the future as
         described in this Agreement.

         The Bank reserves the absolute right, at its sole discretion, to either
         fund the obligations undertaken by this Agreement or to refrain from
         funding the same and to determine the exact nature and method of such
         funding. Should the Bank elect to fund this Agreement, in whole or in
         part, through the purchase of life insurance, mutual funds, disability
         policies or annuities, the Bank reserves the absolute right, in its
         sole discretion, to terminate such funding at any time, in whole or in
         part unless the Bank and the Director agree otherwise in a separate
         written instrument. At no time shall the Director be deemed to have any
         lien or right, title or interest in or to any specific funding
         investment or to any assets of the Bank.

         It is the intention of the parties to this Agreement that the
         arrangements under this Agreement be unfunded for tax purposes and for
         purposes of Title I of ERISA.

                                        6

<PAGE>

V.       CHANGE OF CONTROL

Upon the Director's Termination of Service after a Change of Control (as defined
in Subparagraph I (E) herein), the Director shall be entitled to receive one
hundred percent (100%) of the benefits set forth in Subparagraph III (B) of this
Agreement to be paid, at the option of the Director, said option to be exercised
at least one (1) year prior to said Change of Control, either: (i) in a lump sum
paid within thirty (30) days following the Director's Termination of Service
[Subparagraph I (D)] subsequent to said Change of Control or (ii) in monthly
installments beginning within thirty (30) days following the Director's
Termination of Service. If no election is made the benefit will be payable
pursuant to clause (i) of the previous sentence. The Director will also remain
eligible for all promised death benefits in this Agreement. A Director who
continues service with the Bank, or any successor thereto, after a Change of
Control will continue to accrue benefits pursuant to this Agreement until his
Termination of Service or Retirement from the Bank or any successor thereto.
Upon a Change of Control this Agreement shall be irrevocable during the lifetime
of the Director and shall be binding upon the Bank and any successor thereto.
This Agreement may only be modified by the mutual written assent of the Director
and the Bank or any successor thereto.

VI.      MISCELLANEOUS

         A.       Alienability and Assignment Prohibition:
                  ---------------------------------------

                  Neither the Director, his/her surviving spouse nor any other
                  beneficiary under this Agreement shall have any power or right
                  to transfer, assign, anticipate, hypothecate, mortgage,
                  commute, modify or otherwise encumber in advance any of the
                  benefits payable hereunder nor shall any of said benefits be
                  subject to seizure for the payment of any debts, judgments,
                  alimony or separate maintenance owed by the Director or the
                  Director's beneficiary(ies), nor be transferable by operation
                  of law in the event of bankruptcy, insolvency or otherwise. In
                  the event the Director or any beneficiary attempts assignment,
                  commutation, hypothecation, transfer or disposal of the
                  benefits hereunder, the Bank's liabilities shall forthwith
                  cease and terminate.

         B.       Binding Obligation of Bank and Any Successor in Interest:
                  --------------------------------------------------------

                  This Agreement shall be binding upon the parties hereto, their
                  successors, beneficiary(ies), heirs and personal
                  representatives.

         C.       Revocation:
                  ----------

                  It is agreed by and between the parties hereto that, during
                  the lifetime of the Director, this Agreement may be amended or
                  revoked at any time or times, in whole or in part, by the
                  mutual written assent of the Director and the Bank.

                                        7

<PAGE>

         D.       Gender:
                  ------

                  Whenever in this Agreement words are used in the masculine or
                  neuter gender, they shall be read and construed as in the
                  masculine, feminine or neuter gender, whenever they should so
                  apply.

         E.       Effect on Other Bank Benefit Plans:
                  ----------------------------------

                  Nothing contained in this Agreement shall affect the right of
                  the Director to participate in or be covered by any qualified
                  or non-qualified pension, profit-sharing, group, bonus or
                  other supplemental compensation or fringe benefit plan
                  constituting a part of the Bank's existing or future
                  compensation structure. If, after the date of this Agreement,
                  the Bank adopts or implements any tax-qualified or
                  non-qualified defined contribution or defined benefit plan
                  that provides retirement benefits for the Director in addition
                  to or in substitution for the plans in effect on the date of
                  this Agreement, the benefits provided by such new plan or
                  plans shall be applied to offset the benefits payable under
                  this Agreement in such manner as the Bank shall determine to
                  be comparable to the offsets provided for plans in effect on
                  the date hereof unless the Bank and the Director expressly
                  agree otherwise in writing.

         F.       Headings:
                  --------

                  Headings and subheadings in this Agreement are inserted for
                  reference and convenience only and shall not be deemed a part
                  of this Agreement.

         G.       Applicable Law:
                  --------------

                  The validity and interpretation of this Agreement shall be
                  governed by the internal laws of the Commonwealth of
                  Massachusetts applicable to contracts to be performed wholly
                  within the Commonwealth of Massachusetts among parties all of
                  whom are citizens and residents of the Commonwealth of
                  Massachusetts.

         H.       Fringe Benefits:
                  ---------------

                  The benefits provided by this Agreement are granted by the
                  Bank as a fringe benefit to the Director and are not part of
                  any compensation reduction plan or an arrangement deferring
                  any compensation increase, and shall in no event be construed
                  to effect nor limit the Director's current or prospective
                  compensation increases, cash bonuses, or profit-sharing
                  distribution or credits. The Director has no option to take
                  any current payment or bonus in lieu of these benefits except
                  as may be set forth hereinafter.

                                        8

<PAGE>

VII.     ERISA PROVISION

         A.       Named Fiduciary and Plan Administrator:
                  --------------------------------------

                  The "Named Fiduciary and Plan Administrator" of this Director
                  Plan shall be Park West Bank and Trust Company until its
                  resignation or removal by the Board. As Named Fiduciary and
                  Plan Administrator, the Bank shall be responsible for the
                  management, control and administration of the Director Plan.
                  The Named Fiduciary may delegate to others certain aspects of
                  the management and operation responsibilities of the Director
                  Plan including the employment of advisors and the delegation
                  of ministerial duties to qualified individuals.

         B.       Claims Procedure and Arbitration:
                  --------------------------------

                  In the event a dispute arises over benefits under this
                  Agreement and benefits are not paid to the Director (or to his
                  beneficiary in the case of the Director's death) and such
                  claimants feel they are entitled to receive such benefits,
                  then a written claim must be made to the Plan Administrator
                  named above within ninety (90) days from the date payments are
                  refused. The Plan Administrator shall review the written claim
                  and if the claim is denied, in whole or in part, they shall
                  provide in writing within ninety (90) days of receipt of such
                  claim their specific reasons for such denial, reference to the
                  provisions of this Agreement upon which the denial is based
                  and any additional material or information necessary to
                  perfect the claim. Such written notice shall further indicate
                  the additional steps to be taken by claimants if a further
                  review of the claim denial is desired. A claim shall be deemed
                  denied if the Plan Administrator fails to take any action
                  within the aforesaid ninety-day period.

                  If claimants desire a second review they shall notify the Plan
                  Administrator in writing within ninety (90) days of the first
                  claim denial. Claimants may review this Agreement or any
                  documents relating thereto and submit any written issues and
                  comments they may feel appropriate. In its sole discretion,
                  the Plan Administrator shall then review the second claim and
                  provide a written decision within ninety (90) days of receipt
                  of such claim. This decision shall likewise state the specific
                  reasons for the decision and shall include reference to
                  specific provisions of this Agreement upon which the decision
                  is based.

                  If claimants continue to dispute the benefit denial based upon
                  completed performance of this Agreement or the meaning and
                  effect of the terms and conditions thereof, then claimants may
                  submit the dispute to a Board of Arbitration for final
                  arbitration. Said Board shall consist of one member selected
                  by the claimant, one member selected by the Bank, and the
                  third member selected by the first two members. The Board
                  shall operate under any generally recognized set of
                  arbitration rules. The parties hereto agree that they and
                  their heirs, personal representatives, successors and assigns
                  shall be bound by the decision of such Board with respect to
                  any controversy properly submitted to it for determination.

                  Where a dispute arises as to the Bank's termination of the
                  Director's service "for cause", such dispute shall likewise be
                  submitted to arbitration as above described and the parties
                  hereto agree to be bound by the decision thereunder.

                                        9

<PAGE>

         IN WITNESS WHEREOF, the parties hereto acknowledge that each has
carefully read this Agreement and executed the original thereof on the first day
set forth hereinabove and that, upon execution, each has received a conforming
copy.

                                                    PARK WEST BANK AND
                                                    TRUST COMPANY

                                                    West Springfield, MA

                                                    By:
-----------------------------                           ------------------------
Witness                                                 (Title)

-----------------------------                       ----------------------------
Witness                                             Director

                                       10Exhibit 10.15

                                Amendment to the
                 Westbank f/k/a Park West Bank and Trust Company
              Executive Supplemental Retirement Plan Agreement for
      *Gary L. Briggs, Donald R. Chase, Kathleen A. Jalbert, John M. Lilly,
                              and Trenton E. Taylor

         Westbank f/k/a Park West Bank and Trust Company ("Company" or "Bank")
and *___________ ("Executive") originally entered into the Westbank f/k/a Park
West Bank and Trust Company Executive Supplemental Retirement Plan Agreement
("Agreement") on July 2, 2001. Pursuant to Subparagraph VI (C) of the Agreement,
the Bank and the Executive hereby adopt this 409A Amendment, effective January
1, 2005.

*Gary L. Briggs, Donald R. Chase, Kathleen A. Jalbert, John M. Lilly, and
Trenton E. Taylor

         This 409A Amendment is intended to bring the Agreement into full
compliance with the requirements of Internal Revenue Code Section 409A.
Therefore, the following changes shall be made:

1.       Subparagraph I (C), Retirement, shall be deleted in its entirety and
replaced with the following:

         C.       Retirement:
                  ----------

                  Retirement shall mean retirement from service with the Bank
                  which becomes effective when the Executive reaches the later
                  of the Executive's sixty-fifth (65th) birthday or Separation
                  from Service.

2.       Subparagraph I (E), Change of Control, shall be deleted in its entirety
and replaced with the following:

         I.       Change of Control
                  -----------------

                  For purposes of this Agreement, "Change of Control" shall mean
                  a change in the ownership of Westbank Corporation or the Bank,
                  a change in the effective control of Westbank Corporation or
                  the Bank or a change in the ownership of a substantial portion
                  of the assets of Westbank Corporation or the Bank, in each
                  case as provided under Section 409 of the Internal Revenue
                  Code of 1986, as amended (the "Code") and the regulations
                  thereunder.

3.       Subparagraph I (K), Separation from Service, shall be added and shall
read as follows:

         K.       Separation from Service:
                  -----------------------

                  "Separation from Service" shall mean that the Executive has
                  died, retired, or otherwise experienced a Termination of
                  Service. In the event that an Executive continues to provide
                  services considered "significant" to the Bank, either as an
                  employee or as an independent contractor, a Separation from
                  Service will not be deemed to have occurred. "Significant"
                  services, for purposes of this Agreement, are those where (1)
                  the Executive provides services in the capacity as an employee

<PAGE>

                  at an annual rate equal to at least 20 percent of the services
                  rendered on average, and the annual remuneration for such
                  services is equal to at least 20 percent of the average
                  remuneration earned, during the immediately preceding three
                  full calendar years of employment (or, if the Executive was
                  employed for less than three years, such lesser period); or
                  (2) the Executive continues to provide services to the Bank in
                  a capacity other than as an employee at an annual rate that is
                  50 percent or more of the services rendered, on average,
                  during the final three full calendar years of employment (or,
                  if employed less than three years, such lesser period) and the
                  annual remuneration for such services is 50 percent or more of
                  the average annual remuneration earned during the immediately
                  preceding three full calendar years of employment (or if
                  employed less than three years, such lesser period). This
                  definition of Separation from Service shall at all times be
                  construed to comply with the regulations issued under Code
                  Section 409A, including prior to the issuance of final
                  regulations under Code Section 409A, the proposed regulations
                  issued thereunder on September 29, 2005.

4.       All references in the Agreement to "Termination of Service,"
         "terminates employment," or other similar phrases shall be deleted and
         replaced with the term "Separation from Service" or "Separates from
         Service," as appropriate. Notwithstanding the previous sentence, the
         definition of "Termination of Service" in Subparagraph I (D) shall not
         be deleted.

5.       Subparagraph II (L), Restriction on Timing of Distribution, shall be
added, and shall read as follows:

         L.       Restriction on Timing of Distribution:
                  -------------------------------------

                  Notwithstanding any provision of this Agreement to the
                  contrary, distributions to the Executive may not commence
                  earlier than six (6) months after the date of a Separation
                  from Service if, pursuant to Section 409A of the Code and
                  regulations and guidance promulgated thereunder, the Executive
                  is considered a "specified employee" under Section 416(i) of
                  the Code and the Separation of Service is not concurrent with
                  a Change of Control. In the event a distribution is delayed
                  pursuant to this Section II (L), the originally scheduled
                  payment shall be delayed for 6 months, and shall commence
                  instead on the first day of the seventh month following the
                  delay. If payments are scheduled to be made in installments,
                  the first six months of installment payments shall be delayed,
                  aggregated, and paid instead on the first day of the seventh
                  month, after which all installment payments shall be made on
                  their regular schedule. If payment is scheduled to be made in
                  a lump sum, the lump sum payment shall be delayed for six
                  months and instead be made on the first day of the seventh
                  month.

                                        2
<PAGE>

6.       Subparagraph III (A), Retirement Benefits, shall be deleted in its
entirety and replaced with the following:

         A.       Retirement Benefits:
                  -------------------

                  Should the Executive continue to be employed by the Bank until
                  "Normal Retirement Age" defined in Subparagraph I (F), the
                  Executive shall be entitled to receive the benefits set forth
                  in this Subparagraph III (A).

                  An annual benefit equal to 75% of Final Compensation at
                  retirement, less 50% of the Social Security Benefit and the
                  Single Life Annuitized Value of the Executive's account
                  balances derived from employer provided contributions under
                  all qualified and non-qualified defined contribution plans
                  maintained by the Bank. The payment of this annual benefit
                  shall commence within thirty (30) days of the Executive's
                  retirement or in accordance with Restriction on Timing of
                  Distribution and shall be paid in annual installments until
                  the death of the Executive.

7.       Subparagraph III (C), Death, shall be deleted in its entirety and
replaced with the following:

         C.       Death:
                  -----

                  Upon the death of the Executive, the Executive's
                  beneficiary(ies) shall be entitled to receive the benefits set
                  forth in this Subparagraph III(C). A benefit equal to the
                  amount of the accrued liability retirement account maintained
                  pursuant to Subparagraph I (G) existing on the date of the
                  Executive's death shall be paid in a lump sum within thirty
                  (30) days of the date of the Executive's death, to such
                  individual or individuals as the Executive may have designated
                  in writing and filed with the Bank. In the absence of any
                  effective beneficiary designation, any such amount becoming
                  due and payable upon the death of the Executive shall be paid
                  to the duly qualified executor or administrator of the
                  Executive's estate.

8.       Paragraph V. CHANGE OF CONTROL, shall be deleted in its entirety and
replaced with the following:

         V.       CHANGE OF CONTROL

                  Notwithstanding any of the provisions in Paragraph III.
                  Benefits, upon a Change of Control (as defined in Subparagraph
                  I (E) herein) and irrespective of whether or not a Termination
                  of Service occurs, the Executive shall be entitled to receive
                  one hundred percent (100%) of the benefits set forth in
                  Subparagraph III (B) of this Agreement to be paid in a lump
                  sum upon the Change of Control. This Agreement shall terminate
                  upon the payment of such lump sum benefit.

9.       Tax Withholding shall be added as Subparagraph VI (I) and shall read as
follows:

         I.       Tax Withholding:
                  ---------------

                  The Bank shall withhold any taxes that are required to be
                  withheld under applicable laws and regulations from the
                  benefits provided under this Agreement. The Executive
                  acknowledges that the Bank's sole liability regarding taxes is
                  to forward any amounts withheld to the appropriate taxing
                  authority(ies).

Therefore, the foregoing changes are agreed to.

-------------------------------               ----------------------------------
For the bank                                  [executive name]

                                              ----------------------------------
                                              Date

                                        3

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