Document:

FleetBoston Retirement Income Assurance Plan

 Exhibit 10(s) 
  
 AMENDMENT SEVEN 
 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”) to provide for the merger of the Fleet Capital Corporation Retirement
Restoration Plan into the Plan. 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 January 1, 2006, as follows: 
  
 1. A new Section D of Appendix A is added to read as follows: 
  
 D. Fleet Capital Corporation 
  
 1. Merger. 
  
 The Fleet Capital Corporation Retirement Restoration Plan (“Fleet
Capital Restoration Plan”) shall merge into the Plan effective as of January 1, 2006. As of that date, the liabilities of the Fleet Capital Restoration Plan shall become the liabilities of the Plan and the Fleet Capital Restoration Plan
shall cease to exist. 
  
 2. Eligibility. 
  
 This Section D of Appendix A shall apply solely to employees who had been
participants in the Fleet Capital Restoration Plan (“Fleet Capital Participants”), determined as follows: 
  
 (a) Subject to the provisions of subsections (b) and (c) hereof, the Committee shall in its sole discretion determine which Participants of the
Retirement Plan of Fleet Capital Corporation shall be entitled to participate in the Plan. Such Participants shall be memorialized in a Schedule of Plan Participants, which Schedule may from time to time be modified by the Committee, and which
Schedule is set forth in Section 8. 
  
 (b) Any Plan
Participant who is not included in the Schedule of Participants described in subsection (a) hereof, but who has accrued a benefit under the Fleet Capital Restoration Plan as of February 28, 1997, shall cease to accrue further benefits
under the Fleet Capital Restoration Plan as of March 1, 1997, but shall continue to be a Participant with respect to benefits accrued prior to such date until the earlier of the date such Participant ceases to be entitled to benefits under the
terms of the Plan, or the date such Participant receives payment from Employer with respect to all amounts accrued to him under the terms of the Plan. 
  
 (c) In no event shall a Participant or Beneficiary who is not entitled to benefits under Specification Schedule M of the Basic Plan become entitled to
benefits under the Plan. 
  
 (d) Any Plan Participant who is not
included in the Schedule of Participants described in subsection (a) hereof, but who has accrued a benefit under the Fleet Capital Restoration Plan as of June 30, 1997 shall cease to accrue further benefits under the Fleet Capital
Restoration Plan as of June 30, 1997, but shall continue to be a Participant with respect to benefits accrued prior to such date until the earlier of the date such Participant ceases to be entitled to benefits under the terms of the Plan, or
the date such Participant receives payment from Employer with respect to all amounts accrued to him under the terms of the Plan. 
  
 3. Amount Of Benefit. 
  
 Notwithstanding Article 4, the benefits of Fleet Capital Participants shall be determined as follows: 
  
 (a) The benefit which Employer shall provide to a Fleet Capital Participant
who is eligible to participate as a Class I Participant pursuant to the provisions of the Schedule of Participants as revised effective June 1, 1998, or his or her Beneficiary(ies) under the Plan shall equal the benefit determined under
subsection (c) hereof, provided that if such Participant’s employment with Employer is for any reason involuntarily terminated by Employer, such Participant shall 

  

 1 

 
for purposes of this Section 3 be credited with additional Years of Service equal in number to the additional Years of Service he would have earned
under the terms of Specification Schedule M of the Basic Plan had he continued in the employ of Employer through his Normal Retirement Date. Such additional Years of Service shall be credited as of his date of termination of employement. 

 
 (b) The benefit which Employer shall provide to a Fleet Capital
Participant who is eligible to participate as a Class II Participant pursuant to the provisions of the Schedule of Participants as revised effective June 1, 1998, or his or her Beneficiary(ies) under the Plan shall equal the benefit determined
under subsection (c) hereof, provided that if such Participant’s employment with Employer is for any reason involuntarily terminated by Employer, such Participant shall for purposes of this Section 3 be credited with additional Years
of Service equal in number to the additional Years of Service he would have earned under the terms of Specification Schedule M of the Basic Plan had he continued in the employ of Employer through his Early Retirement Date. Such additional Years of
Service shall be credited as of his date of termination of employment. 
  
 (c) Subject to the provisions of subsections (a) and (b) of this Section 3, the benefit which Employer shall provide to a Fleet Capital Participant who is eligible to participate as a Class I, Class II or Class III
Participant pursuant to the provisions of the Schedule of Participants as revised effective June 1, 1998, or his or her Beneficiary(ies) under the Plan shall equal the excess of (i) reduced by (ii), where: 
  
 (i) equals the monthly benefit which would have been
provided to such Participant or his Beneficiary under the Specification Schedule M of the Basic Plan, calculated without regard to the following: 
  
 (A) without regard to any reduction in compensation attributable to participation in a non-qualified plan of deferred compensation;

  
 (B) without regard to any reduction in
compensation attributable to participation in Specification Schedule M of the Basic Plan if such Specification Schedule M of the Basic Plan where administered without regard to the provisions of Section 415 of the Code; 
  
 (C) without regard to the provisions of
Section 401(a)(17) of the Code; 
  
 (D)
without regard to the reduction in bonus earnings taken into consideration in determining Specification Schedule M of the Basic Plan pensionable earnings pursuant to Part I(c)(i)(B) thereof; and 
  
 (E) without regard to any reduction applicable to such
Participant who is not eligible for any early retirement subsidy otherwise available under the terms of Specification Schedule M of the Basic Plan because of such Participant’s status as a Highly Compensated Employee as defined in the Basic
Plan; and 
  
 (ii) equals the sum of (A),
(B) and (C) where: 
  
 (A) equals the
benefit which will be provided to such Participant or his Beneficiary under Specification Schedule M of the Basic Plan subject to the restrictions and limitations described in paragraph (i) hereof; 
  
 (B) equals the benefit, if any, accrued to such Participant
or his Beneficiary under the terms of the Restated Retirement Plan of BarclaysAmericanCorporation, or the Restated Retirement Plan of Barclays Bank PLC, as applicable, on January 31, 1995; and 
  
 (C) equals the benefit, if any, accrued to such Participant
or his Beneficiary under the terms of the BarclaysAmericanCorporation Retirement Restoration Plan, or the Barclays Bank PLC Retirement Restoration Plan, as applicable, on January 31, 1995. 
  
 (d) The benefit which Employer shall provide to a Fleet Capital Participant
who is eligible to participate as a Class IV Participant pursuant to the provisions of the Schedule of Participants as revised effective June 1, 1998, or his or her Beneficiary(ies) under the Plan shall equal the excess of (i) reduced by
(ii), where: 
  
 (i) equals the monthly benefit
which would have been provided to such Participant or his Beneficiary under Specification Schedule M of the Basic Plan, calculated without regard to the following: 
  
 (A) subject to Item (E) hereof, without regard to any reduction in compensation attributable to
participation in a non-qualified plan of deferred compensation; 
  
 (B) subject to Item (E) hereof, without regard to any reduction in compensation attributable to participation in Specification Schedule M of the Basic Plan if such Specification Schedule where administered
without regard to the provisions of Section 415 of the Code; 
  
 (C) subject to Item (E) hereof, without regard to the provisions of Section 401(a)(17) of the Code; 
  
 (D) with respect to bonus earnings paid prior to July 1, 1997, without regard to the reduction in bonus earnings taken into
consideration in determining Specification Schedule M of the Basic Plan pensionable earnings pursuant to Part I(c)(i)(B) thereof; 
  

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 (E) with respect to bonus earnings paid on or after July 1, 1997, without regard to
so much of the reduction in bonus earnings excluded in determining Specification Schedule M of the Basic Plan pensionable earnings pursuant to Part I(c)(i)(B) thereof as does not exceed one hundred and fifty percent (150%) of such
Participant’s annual base salary or wages taken into consideration as pensionable earnings under the terms of the Specification Schedule M of the Basic Plan; and 
  
 (F) without regard to any reduction applicable to such Participant who is not eligible for any early
retirement subsidy otherwise available under the terms of Specification Schedule M of the Basic Plan because of such Participant’s status as a Highly Compensated Employee as defined in the Basic Plan; and 
  
 (ii) equals the sum of (A), (B) and (C) where:

  
 (A) equals the benefit which will be provided
to such Participant or his Beneficiary under Specification Schedule M of the Basic Plan subject to the restrictions and limitations described in paragraph (i) hereof; 
  
 (B) equals the benefit, if any, accrued to such Participant or his Beneficiary under the terms of the
Restated Retirement Plan of BarclaysAmericanCorporation, or the Restated Retirement Plan of Barclays Bank PLC, as applicable, on January 31, 1995; and 
  
 (C) equals the benefit, if any, accrued to such Participant or his Beneficiary under the terms of the BarclaysAmericanCorporation
Retirement Restoration Plan, or the Barclays Bank PLC Retirement Restoration Plan, as applicable, on January 31, 1995. 
  
 (e) The benefit which Employer shall provide to a Fleet Capital Participant who is eligible to participate as a Class V Participant pursuant to the
provisions of the revised Schedule of Participants as revised effective July 1, 2000, or his or her Beneficiary (ies) under the Plan shall equal the excess of (i) reduced by (ii) where: 
  
 (i) equals the monthly benefit which would have been
provided to such Participant or Beneficiary under Specification Schedule M of the Basic Plan, calculated with regard to the following: 
  
 (A) with respect to the provisions of Section 401(a)(17) of the Code; 
  
 (B) with respect to bonus earnings included in determining pensionable earnings pursuant to Part I(c)(i)(B)
of said Specification Schedule thereof up to 20% of such Participant’s annual base salary or wages taken into consideration as pensionable earnings under the terms of such Specification Schedule; 
  
 (C) with respect to the accrued benefit, if any, to such
Participant under the terms of the Retirement Plan for BarclaysAmerican Corporation or the Barclays Bank PLC U.S.A. Staff Pension Plan, as applicable on January 31, 1995; 
  
 (D) with respect to accrued benefit, if any, to such Participant under the terms of the NatWest Bank, N.A.
Retirement Plan determined as of December 31, 1996. 
  
 (ii) is the benefit, if any, accrued to such Participant under the terms of the Basic Plan. 
  
 (f) Notwithstanding any other provision of the Plan to the contrary, no amount received by a Fleet Capital Participant as special pay, stay pay or
severance pay, including, but not limited to, any amount paid from any pool of funds created in connection with the sale of Barclays Commercial Corporation shall be taken into account for purposes of determining the amount of benefits payable under
the Plan. 
  
 (g) Notwithstanding any other provision of the Plan
to the contrary, a Fleet Capital Participant who was a Participant in the Fleet Capital Restoration Plan on February 28, 1997, but who is not included in the Schedule of Participants with respect to benefits accruing on and after March 1,
1997, shall cease to accrue Fleet Capital Restoration Plan benefits on and after March 1, 1997. The Committee may, in its sole and absolute discretion, determine to pay such Participants out in a single Actuarial Equivalent lump sum amount at
any time up to and including such Participants’ Normal Retirement Date or, alternatively, pay such Participants out pursuant to the provisions of Section 4 hereof. 
  
 (h) Notwithstanding any other provision of the Plan to the contrary, a Fleet Capital Participant who was a Participant in
the Fleet Capital Restoration Plan on June 30, 1997, but who is not included in the Schedule of Participants with respect to benefits accruing on and after July 1, 1997, shall cease to accrue Fleet Capital Restoration Plan benefits on and
after July 1, 1997. The Committee may, in its sole and absolute discretion, determine to pay such Participants out in a single Actuarial Equivalent lump sum amount at any time up to and including such Participants’ Normal Retirement Date
or, alternatively, pay such Participants out pursuant to the provisions of Section 4 hereof. 
  
 4. Form and Timing of Benefits. 
  
 Payment of Plan benefits to a Fleet Capital Participant or his or her Beneficiary shall be coincident in time and form with the payment of benefits
pursuant to the provisions of Specification Schedule M of the Basic Plan. Plan benefits shall in all respects be subject to any applicable income tax withholding under federal or state law. 
  

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 5. Vesting. 
  
 A Fleet Capital Participant shall have the same nonforfeitable right to benefits payable on his or her behalf under the Plan
as such Participant has to benefits payable on his or her behalf pursuant to the provisions of Specification Schedule M of the Basic Plan provided, however, that such benefits are subject to complete forfeiture to the extent that, in the sole and
exclusive discretion of Employer, such Participant is determined to have engaged in activities, whether before or after Plan benefit payments commence, which are both fraudulent and detrimental to Employer. 
  
 6. Definitions. 
  
 All terms under Section D of Appendix A of the Plan shall have the meaning
set forth for such terms pursuant to the provisions of Specification Schedule M of the Basic Plan. 
  
 7. Amendment and Funding 
  
 This Section D of Appendix A may be amended only with the written consent of Bank of America, N.A. All benefits determined to be payable under the Fleet
Capital Restoration Plan, and all benefits earned under this Section D after the merger, shall be a liability of, and be paid by, Bank of America, N.A. 
  
 8. Schedule of Participants. 
  
 As described in Section 2, the Schedule of Plan Participants, executed as of September 11, 2000, is as follows: 
  
 Class II Participants 
  

					
	             SS#            

	  	 LAST NAME

	  	FIRST NAME

	 ###-##-####
	  	 Coppedge
	  	Ferrell
	 ###-##-####
	  	 Farley
	  	Michael
	 ###-##-####
	  	 Strauss
	  	Philip
	 ###-##-####
	  	 Swindells
	  	William

  
 Class III
Participants 
  

					
	             SS#            

	  	 LAST NAME

	  	 FIRST NAME

	 ###-##-####
	  	Meyers	  	James

  
 Class IV
Participants 
  

					
	             SS#            

	  	 LAST NAME

	  	FIRST NAME

	 ###-##-####
	  	Ausburn	  	Lawrence
	 ###-##-####
	  	Clack	  	Ronald
	 ###-##-####
	  	Dianich	  	Michael Sr.
	 ###-##-####
	  	Dumelin	  	Bruce
	 ###-##-####
	  	Gagnon	  	Richard
	 ###-##-####
	  	Johnson	  	Michael
	 ###-##-####
	  	Meier	  	Alan
	 ###-##-####
	  	Pengelly	  	Audrey
	 ###-##-####
	  	Solomon	  	Stuart

  
 Class V Participants

  

					
	             SS#            

	  	 LAST NAME

	  	FIRST NAME

	 ###-##-####
	  	Kreft	  	Ira
	 ###-##-####
	  	Tornow	  	Brian
	 ###-##-####
	  	Terry	  	J. Cameron
	 ###-##-####
	  	Broderick	  	Timothy
	 ###-##-####
	  	Clarke	  	Timothy

  
 2. Except as expressly
or by necessary implication amended hereby, the Plan shall continue in full force and effect. This Amendment is not intended to constitute a “material modification” of the Plan or of the Fleet Capital Restoration Plan for purposes of the
effective date provisions of Code section 409A, and the Plan shall be interpreted, operated, and administered consistent with this intent. 
  

 4 

 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      day of December, 2005. 
  

			
	 BANK OF AMERICA CORPORATION

		
	By:	 	 /s/    J. STEELE
ALPHIN        

	 	 	J. Steele Alphin
	 	 	Corporate Personnel Executive

  

 5Specimen common stock certificate

 Exhibit 4.1 
  

 
  

									
	 	 	AMERICAN BANK NOTE COMPANY	 	 	  	 PRODUCTION COORDINATOR: TODD DEROSSETT
 931-490-1720
	  	 
	 	 	711 ARMSTRONG LANE	 	 	  	PROOF OF JANUARY 18, 2005	  	 
	 	 	COLUMBIA, TENNESSEE 38401	 	 	  	TARGACEPT, INC.	  	 
	 	 	(931) 388-3003	 	 	  	TSB 18440 FC	  	 
	 	 	SALES:    J. NAPOLITANO      212-269-0339X14	 	 	  	Operator:                         Ron	  	 
	 	 	/ ETHER 13 / LIVE JOBS
/T /TARGACEPT 18440  FC	 	 	  	New	  	 

  
 PLEASE INITIAL THE
APPROPRIATE SELECTION FOR THIS PROOF:  
             OK AS IS
            OK WITH CHANGES             MAKE CHANGES AND SEND ANOTHER PROOF 
  
 Colors Selected for Printing: Logo is FOR POSITION ONLY; LOW RESOLUTION: NOT SUITABLE
FOR PRINTING. Intaglio prints in SC-3 Dark Green. 
  
 COLOR: This proof was
printed from a digital file or art work on a graphics quality, color laser printer. It is a good representation of the color as it will appear on the final product. However, it is not an exact color rendition, and the final printed product may
appear slightly different from the proof due to the difference between the dyes and printing ink. 
  
 NUMBER T        [TARGACEPT LOGO]        SHARES 

 
 $.001 PAR VALUE NON-ASSESSABLE 
  
 TARGACEPT, INC. 
 INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE 
  
 CUSIP 87611R 30 6 
  

THIS CERTIFIES that 
  
  
 is the registered holder of 
 SHARES OF 
  
 TARGACEPT, INC. 
 Common Stock transferable on the books of the Corporation by the holder hereof in person or by duly authorized attorney upon surrender of this Certificate properly endorsed. This Certificate is not valid until countersigned by the
Transfer Agent and registered by the Registrar. 
 WITNESS the facsimile seal of the Corporation and the facsimile signatures
of its duly authorized officers. 
 CERTIFICATE OF STOCK 
  
 Dated:             /s/ Alan A. Musso 

Alan A. Musso 
 Chief Financial Officer and Secretary 
  
 TARGACEPT, INC. CORPORATE SEAL 1997 DELAWARE X 
  
 /s/ J. Donald deBethizy 
 J. Donald deBethizy 
 Chief Executive Officer and President 
 Countersigned and Registered 
 AMERICAN STOCK TRANSFER & TRUST COMPANY 
 (New York, N.Y.) Transfer Agent and Registrar 
 Authorized Signatures 

 The following abbreviations, when used in the inscription on the face of this certificate, shall be
construed as though they were written out in full according to applicable laws or regulations: 
  

											
	 TEN COM
	 	– as tenants in common	  	UNIF GIFT MIN ACT –	  	__________Custodian__________
	 TEN ENT
	 	– as tenants by the entireties	  	 	  	(Cust)	 	 	  	(Minor)  
	 JT TEN
	 	– as joint tenants with right
    of survivorship and not as
    tenants in common	  	 	  	 under Uniform Gifts to Minors
 Act of                                    
   
         (State)

  
 Additional
abbreviations may also be used though not in the above list. 
  

					
	For Value Received,                                 
                                        
                                        
   hereby sell, assign and transfer unto                          
  
	
	                                       
                                        
                                        
                                        
                                        
                                        
              

	(PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF
ASSIGNEE)                    
	
	                                       
                                        
                                        
                                        
                                        
                                        
              

	
	                                       
                                        
                                        
                                        
                                        
                                        
              

  

					
		
	PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE	  	 
	 	
	 	  	 
	
	                                      
                                        
                                        
                                        
                            Shares           
                                      
of the capital
stock represented by the within certificate, and do hereby irrevocably constitute and appoint
	
	                                      
                                        
                                        
                                        
                         Attorney             
                                   
to transfer the said stock on the
books of the within named Corporation with full power of substitution in the premises.

  
 Dated
                                        
         
  

					
	 	  	 	  	 
	 	  	NOTICE:	  	SIGNATURE MUST CORRESPOND TO THE NAME AS WRITTEN UPON THE FACE OF THIS CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION OR ENLARGEMENT OR ANY CHANGE WHATSOEVER AND MUST BE GUARANTEED BY A
BANK, BROKER OR ANY OTHER ELIGIBLE GUARANTOR INSTITUTION THAT IS AUTHORIZED TO DO SO UNDER THE SECURITIES TRANSFER AGENTS MEDALLION PROGRAM (STAMP) UNDER RULES PROMULGATED BY THE U.S. SECURITIES AND EXCHANGE COMMISSION

  

									
	 	 	AMERICAN BANK NOTE COMPANY	 	 	  	 PRODUCTION COORDINATOR: TODD DEROSSETT
 931-490-1720
	  	 
	 	 	711 ARMSTRONG LANE	 	 	  	PROOF OF JANUARY 18, 2005	  	 
	 	 	COLUMBIA, TENNESSEE 38401	 	 	  	TARGACEPT, INC.	  	 
	 	 	(931) 388-3003	 	 	  	TSB 18440 BK	  	 
	 	 	SALES:    J. NAPOLITANO      212-269-0339X14	 	 	  	Operator:                         Ron	  	 
	 	 	/ ETHER 13 / LIVE JOBS / T /TARGACEPT 18440 BK	 	 	  	New	  	 

  
 PLEASE INITIAL THE
APPROPRIATE SELECTION FOR THIS PROOF:          OK AS IS          OK WITH CHANGES
            MAKE CHANGES AND SEND ANOTHER PROOF

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