Document:

<PAGE>

                                                                  EXHIBIT 10.1

                                 AMENDMENT NO. 6
                               TO CREDIT AGREEMENT

         THIS AMENDMENT NO. 6 TO CREDIT AGREEMENT, dated as of February 23, 2005
(the "Agreement") relating to the Credit Agreement referenced below, is by and
among WOLVERINE TUBE, INC., a Delaware corporation (the "Company"), its U.S. and
Canadian Subsidiaries identified as Subsidiary Borrowers on the signature pages
hereto and any additional U.S. or Canadian Subsidiaries of the Company which
become parties to the Credit Agreement in accordance with the terms thereof
(collectively referred to as the "Subsidiary Borrowers" and individually
referred to as a "Subsidiary Borrower") (hereinafter, the Company and the
Subsidiary Borrowers are collectively referred to as the "Borrowers" or referred
to individually as a "Borrower"), each of the financial institutions identified
as Lenders on the signature pages hereto (the "Lenders" and each individually, a
"Lender"), WACHOVIA BANK, NATIONAL ASSOCIATION, ("Wachovia"), acting in the
manner and to the extent described in Article XIII of the Credit Agreement (in
such capacity, the "Administrative Agent") and CONGRESS FINANCIAL CORPORATION
(CANADA) acting in the manner and to the extent described in Article XIII of the
Credit Agreement (in such capacity, the "Canadian Agent"). Terms used but not
otherwise defined herein shall have the meanings provided in the Credit
Agreement and the provisions of Sections 1.2, 1.3 and 1.4 of the Credit
Agreement related to the definitions shall apply herein.

                               W I T N E S S E T H

         WHEREAS, a $37,500,000.00 credit facility has been extended to the
Borrowers pursuant to the terms of that certain Credit Agreement dated as of
March 27, 2002 (as amended, modified or otherwise supplemented from time to
time, the "Credit Agreement") among the Borrowers, the Lenders, the
Administrative Agent and the Canadian Agent;

         WHEREAS, the Borrowers have requested that certain amendments be made
as contemplated herein and the Lenders agree to amend such provisions pursuant
to the terms and conditions herein; and

         WHEREAS, the undersigned Lenders have agreed to amend the Credit
Agreement as set forth herein;

         NOW, THEREFORE, in consideration of these premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

         (A)      AMENDMENTS.

                  1. The definition of "Canadian Maturity Date" in Section 1.1
         of the Credit Agreement is amended in its entirety so that such
         definition now reads as follows:

                     "Canadian Maturity Date" means March 29, 2006.

<PAGE>

                  2. The definition of "U.S. Revolving Loan Commitment" in
         Section 1.1 of the Credit Agreement is amended in its entirety so that
         such definition now reads as follows:

                      "U.S. Revolving Loan Commitment" means $40,000,000.00
         (U.S.), as such amount may be reduced in accordance with Section 2.10.

                  3. Each reference to "$37,500,000 (U.S.)" in Sections 2.1(a),
         2.2(a), 2.3(a) and 2.4(a) of the Credit Agreement and in each of the
         exhibits and schedules to the Credit Agreement (including, without
         limitation, Exhibit D to the Credit Agreement) is replaced with a
         reference to "$40,000,000.00 (U.S.)".

                  4. The reference to "$37,500,000" in Section 4.4(b)(i) of the
         Credit Agreement is replaced with a reference to "$40,000,000.00
         (U.S.)".

                  5. Those certain Schedules attached to this Agreement shall
         replace the corresponding Schedules to the Credit Agreement; all other
         Schedules to the Credit Agreement shall not be modified or otherwise
         affected.

         (B) REPRESENTATIONS AND WARRANTIES. Each Credit Party hereby represents
and warrants that (i) the representations and warranties contained in Article VI
of the Credit Agreement are true and correct in all material respects on and as
of the date hereof as though made on and as of such date (except for those
representations and warranties which by their terms relate solely to an earlier
date) and after giving effect to the transactions contemplated herein, (ii) no
Default or Event of Default exists under the Credit Agreement on and as of the
date hereof and after giving effect to the transactions contemplated herein,
(iii) it has the corporate, limited liability company or limited partnership
power and authority to execute and deliver this Agreement and to perform its
obligations hereunder and has taken all necessary organizational action to
authorize the execution, delivery and performance by it of this Agreement, (iv)
it has duly executed and delivered this Agreement, and this Agreement
constitutes its legal, valid and binding obligation enforceable in accordance
with its terms except as the enforceability thereof may be limited by
bankruptcy, insolvency or other similar laws affecting the rights of creditors
generally or by general principles of equity, and (v) neither the execution and
delivery of this Agreement, nor the consummation of the transactions
contemplated therein, nor performance of and compliance with the terms and
provisions thereof will violate or conflict in any material respect with any
material provision of its articles or certificate of incorporation or
certificate of limited partnership or certificate of formation, bylaws,
agreement of limited partnership or limited liability company agreement or
violate, contravene or conflict in any material respect with contractual
provisions of, or cause an event of default under, any indenture, including
without limitation the 2008 Senior Note Indenture and 2009 Senior Note
Indenture, loan agreement, mortgage, deed of trust, contract or other agreement
or instrument to which it is a party or by which it may be bound.

                                       2
<PAGE>

         (C) EFFECTIVENESS. This Agreement shall become effective upon
satisfaction of all of the following conditions precedent:

                  1. Executed Agreement. The Administrative Agent shall have
         received a fully executed counterpart of this Agreement from each party
         hereto.

                  2. Executed Note. The Administrative Agent shall have received
         a fully executed original of the Modified and Restated Revolving Credit
         Note, dated February 23, 2005, executed by the U.S. Borrowers in favor
         of the Administrative Agent.

                  3. Secretary's Certificates. The Administrative Agent shall
         have received a secretary's certificate from each U.S. Borrower dated
         as of the date hereof either substantially in the form required by
         Section 5.1(d) of the Credit Agreement, mutatis mutandis, or a
         bring-down certificate if no change has occurred to the secretary's
         certificate since the last delivery thereof to the Administrative
         Agent, in accordance with the Credit Agreement, and, in each case,
         otherwise in form and substance acceptable to the Administrative Agent.

                  4. Other Conditions Precedent. The Borrowers shall have
         completed all proceedings taken in connection with the transactions
         contemplated by this Agreement and delivered to the Administrative
         Agent all other documentation and other items incident thereto.

         (D) NO OTHER MODIFICATION. Except to the extent specifically provided
to the contrary in this Agreement, all terms and conditions of the Credit
Agreement (including Exhibits and Schedules thereto) and the other Credit
Documents shall remain in full force and effect, without modification or
limitation. This Agreement shall not operate as a consent to any other action or
inaction by the Borrowers or any other Credit Party, or as a waiver or amendment
of any right, power, or remedy of any Lender, the Administrative Agent or the
Canadian Agent under the Credit Agreement or any other Credit Document nor
constitute a consent to any such action or inaction, or a waiver or amendment of
any provision contained in the Credit Agreement or any other Credit Document
except as specifically provided herein. Each of the Credit Parties acknowledges,
confirms and agrees that the Credit Documents to which it is a party remain in
full force and effect as of the date hereof and continue to secure all
Obligations of each such Credit Party to any Lender, the Administrative Agent or
the Canadian Agent, and novation of any kind is hereby expressly disclaimed.

         (E) RELEASE. In consideration of entering into this Agreement, each
Credit Party (a) represents and warrants to each Agent and each Lender that as
of the date hereof there are no causes of action, claims, actions, proceedings,
judgments, suits, demands, damages or offsets against or defenses or
counterclaims to its Obligations or Secured Obligations under the Credit
Documents and furthermore, such Credit Party waives any and all such causes of
action, claims, actions, proceedings, judgments, suits, demands, damages,
offsets, defenses or counterclaims whether known or unknown, arising prior to
the date of this Agreement and (b) releases each Agent and each Lender and each
of their respective Affiliates, Subsidiaries, officers, employees,
representatives, agents, counsel and directors from any and all actions, causes
of action, claims,

                                       3
<PAGE>

actions, proceedings, judgments, suits, demands, damages and liabilities of
whatever kind or nature, in law or in equity, now known or unknown, suspected or
unsuspected to the extent that any of the foregoing arises from any action or
failure to act with respect to any Credit Document, on or prior to the date
hereof.

         (F) GOVERNING LAW. This Agreement shall be governed by and construed
and interpreted in accordance with the laws of the State of North Carolina,
without regard to the principles governing conflicts of laws thereof.

         (G) INCORPORATION BY REFERENCE OF CERTAIN PROVISIONS. THE PROVISIONS IN
SECTIONS 14.5, 14.6, 14.8, 14.9, 14.10, 14.12, 14.13, 14.14, 14.15, 14.19 AND
14.24 OF THE CREDIT AGREEMENT ARE HEREBY INCORPORATED BY REFERENCE HEREIN,
MUTATIS MUTANDIS.

                                       4
<PAGE>

         Each of the parties hereto has caused a counterpart of this Agreement
to be duly executed and delivered as of the date first above written.

                                      COMPANY:

                                      WOLVERINE TUBE, INC.

                                      By: /s/ James E. Deason
                                         ---------------------------------------
                                      Name: James E. Deason
                                           -------------------------------------
                                      Title: Executive VP, CFO & Secretary
                                            ------------------------------------

                                      U.S. SUBSIDIARY BORROWERS:

                                      TF INVESTOR, INC.

                                      By: /s/ James E. Deason
                                         ---------------------------------------
                                      Name: James E. Deason
                                           -------------------------------------
                                      Title: Vice President & Treasurer
                                            ------------------------------------

                                      TUBE FORMING HOLDINGS, INC.

                                      By:  /s/ James E. Deason
                                         ---------------------------------------
                                      Name: James E. Deason
                                           -------------------------------------
                                      Title: VP & Treasurer
                                            ------------------------------------

                                      TUBE FORMING, L.P.

                                      By:  Tube Forming Holdings, Inc.,
                                           its General Partner

                                           By: /s/ James E. Deason
                                              ----------------------------------
                                           Name: James E. Deason
                                                --------------------------------
                                           Title: VP & Treasurer
                                                 -------------------------------

                           (signature pages continue)

<PAGE>

                                      WOLVERINE FINANCE, LLC

                                      By:  Wolverine Tube, Inc.,
                                           its Sole Member

                                      By: /s/ James E. Deason
                                         ---------------------------------------
                                      Name: James E. Deason
                                           -------------------------------------
                                      Title: Executive VP, CFO & Secretary
                                            ------------------------------------

                                      SMALL TUBE MANUFACTURING, LLC

                                      By:  Wolverine Tube, Inc.,
                                           its Sole Member

                                      By: /s/ James E. Deason
                                         ---------------------------------------
                                      Name: James E. Deason
                                           -------------------------------------
                                      Title: Executive VP, CFO & Secretary
                                            ------------------------------------

                                      WOLVERINE JOINING TECHNOLOGIES, LLC

                                      By:  Wolverine Tube, Inc.,
                                           its Sole Member

                                      By: /s/ James E. Deason
                                         ---------------------------------------
                                      Name: James E. Deason
                                           -------------------------------------
                                      Title: Executive VP, CFO & Secretary
                                            ------------------------------------

                           (signature pages continue)

<PAGE>

                                      WOLVERINE CHINA INVESTMENTS, LLC

                                      By:  Wolverine Tube, Inc.,
                                           its Managing Manager

                                           By: /s/ James E. Deason
                                              ----------------------------------
                                           Name: James E. Deason
                                                --------------------------------
                                           Title: Executive VP, CFO & Secretary
                                                 -------------------------------

                                      WT HOLDING COMPANY, INC.

                                      By: /s/ James E. Deason
                                         ---------------------------------------
                                      Name: James E. Deason
                                           -------------------------------------
                                      Title: VP & Treasurer
                                            ------------------------------------

                           (signature pages continue)

<PAGE>

                                      CANADIAN SUBSIDIARY BORROWERS:

                                      3072996 NOVA SCOTIA COMPANY

                                      By: /s/ Tim Watkin
                                         ---------------------------------------
                                      Name: Tim Watkin
                                           -------------------------------------
                                      Title: President
                                            ------------------------------------

                                      WOLVERINE JOINING TECHNOLOGIES
                                      (CANADA) INC.

                                      By: /s/ James E. Deason
                                         ---------------------------------------
                                      Name: James E. Deason
                                           -------------------------------------
                                      Title: Vice President & Treasurer
                                            ------------------------------------

                                      3072452 NOVA SCOTIA COMPANY

                                      By: /s/ Tim Watkin
                                         ---------------------------------------
                                      Name: Tim Watkin
                                           -------------------------------------
                                      Title: President
                                            ------------------------------------

                                      3072453 NOVA SCOTIA COMPANY

                                      By: /s/ Tim Watkin
                                         ---------------------------------------
                                      Name: Tim Watkin
                                           -------------------------------------
                                      Title: President
                                            ------------------------------------

                                      WOLVERINE TUBE CANADA LIMITED PARTNERSHIP

                                      By: 3072453 NOVA SCOTIA COMPANY,
                                      its General Partner

                                      By: /s/ Tim Watkin
                                         ---------------------------------------
                                      Name: Tim Watkin
                                           -------------------------------------
                                      Title: President
                                            ------------------------------------

                           (signature pages continue)
<PAGE>

                                      WOLVERINE TUBE (CANADA) INC.

                                      By: /s/ James E. Deason
                                         ---------------------------------------
                                      Name: James E. Deason
                                           -------------------------------------
                                      Title: VP & Secretary
                                            ------------------------------------

                                      By: /s/ Johann R. Manning, Jr.
                                         ---------------------------------------
                                      Name: Johann R. Manning, Jr.
                                           -------------------------------------
                                      Title: VP & Assistant Secretary
                                            ------------------------------------

                           (signature pages continue)

<PAGE>

                                      LENDERS:

                                      WACHOVIA BANK, NATIONAL ASSOCIATION,
                                      in its capacity as Administrative Agent
                                      and as a Lender

                                      By: /s/ Laurie D. O'Fallon
                                         ---------------------------------------
                                      Name: Laurie D. O'Fallon
                                           -------------------------------------
                                      Title: Director
                                            ------------------------------------

                           (signature pages continue)

<PAGE>

                                  CONGRESS FINANCIAL CORPORATION (CANADA),
                                  in its capacity as Canadian Agent and as
                                  a Lender

                                  By: /s/ Niall H. Hamilton
                                     -------------------------------------------
                                  Name: Niall H. Hamilton
                                       -----------------------------------------
                                  Title: SENIOR VICE PRESIDENT
                                         CONGRESS FINANCIAL CORPORATION (CANADA)
                                         ---------------------------------------

                              (signature pages end)<PAGE>

                                                                    EXHIBIT 10.1

                                 ROCKVILLE BANK
                    NON-QUALIFIED DEFERRED COMPENSATION PLAN

                                  FOR DIRECTORS

<PAGE>
                                                                               .
                                                                               .
                                                                               .

                               TABLE OF CONTENTS

<TABLE>
<S>         <C>                                                               <C>
Section 1   Purpose..........................................................  1
Section 2   Definitions......................................................  1
Section 3   Administration...................................................  1
Section 4   Deferrals........................................................  2
Section 5   Growth of Deferral Accounts......................................  3
Section 6   Distribution.....................................................  3
Section 7   Distribution Upon Death..........................................  4
Section 8   General Provisions...............................................  4
Section 9   Withholding......................................................  5
Section 10  Amendment, Suspension, or Termination............................  5
</TABLE>

<PAGE>

                                 ROCKVILLE BANK
                    NON-QUALIFIED DEFERRED COMPENSATION PLAN
                                  FOR DIRECTORS

Section 1. Purpose

      1.1 The purpose of the Rockville Bank Non-Qualified Deferred Compensation
Plan for Directors (the "Plan") is to assist the Bank in attracting, retaining,
and motivating individuals of high caliber and experience to act as Directors of
the Bank by providing them with an opportunity to defer compensation.

Section 2. Definitions

      2.1 "Bank" shall mean Rockville Bank, its successors and any other
affiliated company as shall be designated by the Board to participate in the
Plan.

      2.2 "Board' shall mean the Board of Directors of the Bank.

      2.3 "Compensation" shall mean, for purposes of a Participant's Deferral, a
Participant's total fees for a Plan Year earned for acting as a Director of the
Bank, excluding bonuses, fringe benefits, the taxable value of fringe benefits,
and any other form of special or extra pay.

      2.4 "Deferral" shall mean the amount credited to a Participant's Deferral
Account for a Plan Year to reflect Compensation otherwise payable to a
Participant during such Plan Year which such Participant has elected to defer
pursuant to Section 4 hereof.

      2.5 "Deferral Account" shall mean the separate account maintained for a
Participant on the books of the Bank to reflect Deferrals, adjusted for earnings
and losses thereon.

      2.6 "Effective Date" shall mean December 12, 2001.

      2.7 "Participant" shall mean any Director of the Bank who is acting as
such on December 31 of the year preceding the Plan Year of Deferral (unless the
Plan Year of Deferral is the Director's initial year of election to the Board)
and who elects to make Deferrals for the Plan Year.

      2.8 "Plan" shall mean the Rockville Bank Non-Qualified Deferred
Compensation Plan for Directors.

      2.9 "Plan Year" shall mean each calendar year.

      2.10 "Termination of Service" means termination of service as a Director
of the Bank.

Section 3. Administration

      3.1 The Board of Directors shall retain overall supervisory authority and
responsibility for the Plan. The Plan shall be administered by the Human
Resources Committee

<PAGE>

of the Board (the "Committee"). The Committee shall have full power and
authority to construe and interpret the Plan, establish and amend administrative
regulations to further the purposes of the Plan, and take any other action
necessary to administer the Plan. The Committee's decisions, actions, and
interpretations regarding the Plan shall be final and binding upon all
Participants and Beneficiaries.

      3.2 The Committee shall act by vote or written consent of a majority of
its members. Members of the Committee who are either eligible to become
Participants or who are Participants may vote on or participate in any matter
affecting the administration of the Plan, provided, however, that no member of
the Committee may vote on or participate in any matter directly relating to the
benefits of such member.

      3.3 The Committee, or its designee, shall (a) notify Directors about
eligibility to participate in the Plan; (b) formulate and recommend to the Board
such changes in the Plan as may facilitate the administration of the Plan; (c)
value Deferral Accounts, and maintain Deferral Accounts and records of Deferrals
and earnings and losses thereon, payment of Deferral Account balances, and
Beneficiary designations; (d) prepare communications to Participants and
Beneficiaries; (e) prepare reports and data required by the Bank concerning the
Plan; (f) obtain necessary consents and approvals; and (g) take any other
actions as are otherwise necessary or appropriate for effective implementation
and administration of the Plan.

Section 4. Deferrals

      4.1 Each Director may become a Participant for a Plan Year (or, during the
first year of service on the Board, the portion thereof after electing to
participate) by electing to make Deferrals for such Plan Year prior to the
commencement of the Plan Year. During a Director's first year of service, or
during the initial year of the Plan's operation, such Deferral Election shall be
made within thirty (30) days after election to the Board or within thirty (30)
days after the later of the Plan's adoption or its Effective Date, as
applicable. All elections to make Deferrals shall be made on such forms as shall
be provided to the Participant by the Committee. Any deferral election will be
effective only with respect to Compensation received for services performed
after the election is effective.

      4.2 A Participant may elect to defer 0%, 25%, 50%, 75% or 100% of
Compensation for any Plan Year. Each election of Deferral shall be effective
only with respect to the Plan Year to which such election of Deferral applies.
Elections to make Deferrals for a Plan Year and the amount of such Deferrals for
such Plan Year shall be irrevocable.

      4.3 A Participant's Deferrals shall be credited to a Participant's
Deferral Account in accordance with procedures determined by the Committee. A
Participant shall at all times be fully vested in his Deferral Account.

      4.4 Notwithstanding anything to the contrary set forth herein, Deferrals
(and the earnings and losses accrued thereon) shall remain the general assets of
the Bank until distributed in accordance with Section 6, below.

                                      -2-

<PAGE>

Section 5. Growth of Deferral Accounts

      5.1 A Participant's Deferral Account shall be invested, at the election of
the Participant, in one or more of the investment funds or options made
available by the Bank under the terms of the Plan from time to time. Investment
elections shall be subject to nondiscriminatory rules and procedures approved by
the Committee in its discretion from time to time, including rules with respect
to timing and frequency of investment changes. A Participant's Deferral Account
shall be increased by the amount of income and gains and reduced by the amount
of losses realized by investing in the investment funds elected by the
Participant. Expenses incurred in connection with any such investment funds
shall be deducted from the Participant's Deferral Accounts. Notwithstanding
anything to the contrary set forth herein, in no event shall the Bank or the
Committee be responsible for, and shall not be held liable for, the investment
performance of any investment made available hereunder.

      5.2 Notwithstanding anything to the contrary set forth herein, the amounts
so invested shall remain the general assets of the Bank until distributed in
accordance with Section 6, below.

Section 6. Distribution

      A Participant shall elect in writing, and file with the Committee, at the
same time as the initial Deferral election, a method of payment of his or her
Deferral Account from the following methods:

            (a)   Payment of amounts credited to the Participant's Deferral
                  Account in a single lump sum as of the January 1 of the year
                  next following the Participant's Termination of Service; or

            (b)   Payment of amounts credited to the Participant's Deferral
                  Account in a specified number of consecutive annual
                  installments, not to exceed five (5), the first installment to
                  be paid as of the January 1 next following the Participant's
                  Termination of Service; or

            (c)   Payment of amounts credited to the Participant's Deferral
                  Account over a specified period, not to exceed five (5) years,
                  in biweekly installments, the first installment to be paid as
                  of the January 1 next following the Participant's Termination
                  of Service; or

            (d)   Payment of amounts credited to the Participant's Deferral
                  Account in a single lump sum as of January 1 of the year
                  specified by the Participant; or

            (e)   Payment of amounts credited to the Participant's Deferral
                  Account in a specified number of consecutive annual
                  installments, not to exceed five (5), the first installment to
                  be paid as of January 1 of the year specified by the
                  Participant.

            (f)   Payment of amounts credited to the Participant's Deferral
                  Account over a specified period, not to exceed five (5) years,
                  in biweekly installments, the

                                      -3-

<PAGE>

                  first installment to be paid as of the January 1 of the year
                  specified by the Participant.

A Participant may change an election as to the form of payment and/or the date
of distribution by filing a subsequent written election, provided, however, that
(i) no such change shall be given effect if made within twelve (12) months prior
to the previously elected distribution date or the Participant's Termination of
Service for any reason, and (ii) the new distribution date cannot be less than
twelve (12) months from the date the new election form is filed with the
Committee.

Section 7. Distribution Upon Death

      7.1 The Committee shall distribute the Participant's Deferral Account
balance to the Participant's estate in a single lump sum as soon as
administratively feasible after the Participant's death.

Section 8. General Provisions

      8.1 The rights of a Participant to the payment of deferred compensation as
provided in the Plan shall not be assigned, pledged, or encumbered or be subject
in any manner to alienation or anticipation. No Participant may borrow against
his or her Deferral Account balance. Deferral Accounts shall not be subject in
any manner to anticipation, alienation, sale, transfer, assignment, pledge,
encumbrance, charge, garnishment, execution or levy of any kind, whether
voluntary or involuntary, including, but not limited to, any liability which is
for alimony or other payments for the support of a spouse or former spouse, or
for any other relative of any Participant. Any such attempted assignment or
transfer shall be void.

      8.2 The Plan is intended to constitute an unfunded deferred compensation
arrangement. Nothing contained in the Plan, and no action taken pursuant to the
Plan, shall create or be construed to create a trust of any kind. The Bank's
obligations hereunder shall be an unfunded and unsecured promise to pay money in
the future for tax purposes and, if applicable, for purposes of Title I of
ER1SA. A Participant's right to receive his or her Deferral Account balance
shall be no greater than the right of an unsecured general creditor of the Bank.
Deferral Account balances shall be paid from the general funds of the Bank, and
no special or separate fund shall be established and no segregation of assets
shall be made to assure payment of such Deferral Account balances.
Notwithstanding the foregoing, the Bank may, in its discretion and in
conjunction with maintaining this Plan, establish a so-called "rabbi trust." Any
such trust created by the Bank, and any assets held thereunder to assist the
Bank in meeting its obligations under this Plan, shall conform to the terms of
the model trust as described in Revenue Procedure 92-64.

      8.3 Nothing contained in the Plan shall give any Participant the right to
continue as a Director of the Bank.

      8.4 The Plan shall be construed and governed in accordance with the laws
of the State of Connecticut, to the extent not preempted by federal law.

                                      -4-

<PAGE>

Section 9. Withholding

      9.1 The Bank shall deduct from all amounts paid under this Plan any taxes
required to be withheld by any federal, state, or local government tax statutes.
The Participants and their Beneficiaries, distributees, and personal
representatives will be responsible for the payment of any and all federal,
foreign, state, local, or other income or other taxes imposed on amounts paid
under this Plan.

Section 10. Amendment, Suspension, or Termination

      10.1 The Bank, by action of its Board of Directors, reserves the right to
amend, suspend, or terminate the Plan at any time and for any reason; provided,
however, that, except as provided in this Section 10.1, any amendment,
suspension, or termination shall not adversely affect the rights of the
Participants or Beneficiaries to receive Deferrals and earnings thereon credited
to their Deferral Accounts prior to such action. In the event the Plan is
terminated, Deferral Account balances shall be distributed to Participants and
Beneficiaries, in a lump sum, as soon as practicable thereafter.

      IN WITNESS WHEREOF, the undersigned has executed this Plan this 12th day
of December, 2001.

                                     ROCKVILLE BANK

                                     By: Board of Directors
                                         -------------------------------------

                                     Attest: /s/ Judy Keppner
                                             ---------------------------------
                                             Corporate Secretary

                                      -5-

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