Document:

<PAGE>

                                                                   Exhibit 10.25

                    SUPPLEMENTAL RETIREMENT BENEFIT AGREEMENT

THIS AGREEMENT, made this 18th day of June 1996, by and between ALLSTATE
INSURANCE COMPANY (the "Company") and CASEY J. SYLLA (the "Executive");

                                WITNESSETH THAT:

          WHEREAS, the Executive is employed by the Company, and the Company
provides retirement benefits for the Executive through the Allstate Retirement
Plan (the "Retirement Plan"); and

          WHEREAS, the Company desires, under certain circumstance, to assure
the Executive of a reasonable level of retirement income by providing a
supplemental retirement benefit to the Executive during the period in which he
is not entitled to a vested benefit under the Retirement Plan;

          WHEREAS, the Executive and the Company desire to set forth in writing
the terms of their agreement;

          NOW, THEREFORE, IT IS AGREED as follows:

               1. SUPPLEMENTAL RETIREMENT BENEFIT. The Company will pay to the
Executive a supplemental retirement benefit as provided below in the event that
the Company terminates the employment of the Executive with the Company during
the five (5) year period following his date of hire for any reason other than a
reason which, in accordance with the then current Company written policy, could
lead to immediate termination.

               2. AMOUNT OF RETIREMENT BENEFIT. The supplemental retirement
benefit shall be an amount equal to:

          (a)  The Retirement Allowance to which the Executive would have been
               entitled as defined and calculated under the terms and provisions
               of the Retirement Plan, as amended from time to time, assuming:
               (i) the benefit and compensation limitations and restrictions of
               the Internal Revenue Code do not apply, and (ii) an additional
               five (5) years of service as of his date of hire reduced by
               actual service years to which the Executive is entitled under the
               Retirement Plan, such additional years of service to reduce each
               year and result in zero (0) additional years of service upon the
               fifth anniversary of service for the Executive; LESS

                                      E-44

<PAGE>

          (b)  The sum of:

               (i)  The Retirement Allowance actually payable to the Executive
                    from the Retirement Plan; plus

               (ii) The Retirement Allowance actually payable to the Executive
                    from the Allstate Supplemental Retirement Income Plan (the
                    "Supplemental Plan").

          3. PAYMENT OF RETIREMENT BENEFIT. The supplemental retirement benefit
shall be paid to the Executive in a one-time lump sum amount on or about the
January 1 of the calendar year following the termination of the Executive. If
the Executive dies prior to receipt of payment of a supplemental retirement
benefit which is due to the Executive pursuant to Section 2 of this agreement,
the supplemental retirement benefit shall be paid to the Executive's beneficiary
as soon as practical after the Executive's death. The Executive's "beneficiary"
means the person or persons entitled to benefits under the Retirement Plan
because of the Executive's death. The actuarial rates, factors and assumptions
used to determine lump sum benefits under the Retirement Plan at the time of
payment shall be used to calculate the lump sum value of the supplemental
retirement benefit.

          4. DEATH BENEFIT. If the Executive should die while in the employ of
the Company and prior to the fifth anniversary of service for the Executive, the
Company shall pay a death benefit to the Executive's beneficiary equal to:

          (a)  The death benefit calculated and payable under the terms and
               provisions of the Retirement Plan, as amended from time to time,
               assuming: (i) the benefit and compensation limitations and
               restrictions of the Internal Revenue Code do not apply, and (ii)
               an additional five (5) years of service as of his date of hire
               reduced by actual service years to which the Executive is
               entitled under the Retirement Plan, such additional years of
               service to reduce each year and result in zero (0) additional
               years of service upon the fifth anniversary of service for
               Executive; LESS

          (b)  The sum of: (i) the death benefit actually payable under the
               Retirement Plan; plus (ii) the death benefit actually payable
               from the Supplemental Plan.

The death benefit shall be payable in a lump sum amount only and shall be paid
as soon as practical after the Executive's death. The Executive's "beneficiary"
means the person or persons entitled to benefits as described in Section 3
above.

          5. FACILITY OF PAYMENT. Any amount payable under this agreement to a
person under legal disability or who, in the judgment of the Company, is unable
to properly manage his financial affairs, may be paid to such person's legal
representative, or may be applied for the benefit of such person in any manner
selected by the Company.

                                       E-45

<PAGE>

          6. INTEREST OF EXECUTIVE. The benefits payable under this agreement to
or on account of the Executive shall at all times be a general unsecured and
unfunded obligation of the Company, and this agreement shall not give any person
any right or security interest in any asset of the Company, nor shall it imply
any trust or segregation of assets by the Company.

          7. NON-ALIENATION OF BENEFITS. All rights and benefits under this
agreement are personal to the Executive and neither this agreement nor any right
or interest of the Executive or any other person arising under this agreement is
subject to voluntary or involuntary alienation, sale, transfer or assignment
without the Company's consent.

          8. EMPLOYMENT. This agreement shall not constitute or be evidence of
any understanding, express or implied, on the part of the Company to employ
Executive for any period of time, nor shall it interfere with the right of the
Company to take any action with reference to the Executive without regard to the
effect which that action might have upon the Executive under this agreement.

          9. ENTIRE AGREEMENT. This agreement contains the entire understanding
and agreement between the parties and supersedes any prior understanding whether
written or oral.

          10. AMENDMENT. This agreement cannot be amended, modified or
supplemented in any respect except by subsequent written agreement entered into
by both parties hereto.

          11. SUCCESSORS. This agreement is binding on and will inure to the
benefit of any successor to the Company, whether by way of merger,
consolidation, purchase or otherwise.

          12. COUNTERPARTS. This agreement may be executed in two or more
counterparts, any one of which shall constitute an original without reference to
the others.

          13. CONTROLLING LAW. This agreement shall be construed in accordance
with the laws of the State of Illinois.

          14. TERM. This agreement shall terminate on the earlier of the
following dates:

          (a)  the date as of which payment is made under this agreement;

          (b)  July 26, 2000, the date which is the fifth anniversary of service
               for the Executive;

          (c)  The date on which the Executive voluntarily terminates his
               employment with the Company; or

          (d)  Any other date as shall be mutually agreed upon between the
               Executive and the Company.

                                       E-46

<PAGE>

          IN WITNESS WHEREOF, the Company has caused this agreement to be
executed on its behalf by a duly authorized officer, and the Executive has
signed this agreement, as of the day and year first above written.

                                        ALLSTATE INSURANCE COMPANY

                                        By /s/ Joan M. Crockett
                                          ---------------------
                                               Joan M. Crockett
                                               Senior Vice President
                                               Human Resources

                                        /s/ Casey J. Sylla
                                        ------------------
                                            Casey J. Sylla

                                       E-47<PAGE>

                                                                    Exhibit 10.7

                                   [GRAPHIC]

                           New Bedford, Massachusetts

                           INCENTIVE COMPENSATION PLAN

                                  JANUARY, 2000

                                                         APPROVED AND ADOPTED BY
                                                         THE EXECUTIVE COMMITTEE
                                                       OF THE BOARD OF DIRECTORS
                                                                  MARCH 23, 2000

<PAGE>

                                    [GRAPHIC]

                           New Bedford, Massachusetts

                                 INCENTIVE PLAN

                                Table of Contents

<TABLE>
<CAPTION>

                                                                                              PAGE
<S>                                                                                        <C>
Introduction and Highlights of Incentive Plan for 2000..........................................1

INCENTIVE PLAN

Section I - Definitions.........................................................................2

Section II - Participation......................................................................3

Section III -Activating the Plan................................................................3

Section IV -  Calculation of Awards.............................................................4

Section V  -   Distribution of Awards...........................................................4

Section VI -  Plan Administration...............................................................4

Section VII -  Amendment, Modification, Suspension or Termination...............................5

Section VIII -  Effective Date of Plan..........................................................5

Section IX -  Employer Relation with Participants...............................................5

Section X -   Governing Law   ..................................................................5

Section XI -  President's Discretion............................................................5

2000 Performance Goals.................................................................Appendix A

Distribution of Awards.................................................................Appendix B

</TABLE>

<PAGE>

                               [GRAPHIC OMITTED]

INTRODUCTION AND HIGHLIGHTS OF INCENTIVE PLAN FOR 2000

         It is important to examine the benefits which accrue to the
organization through the operation of this incentive plan which covers all
employees.

     -    PROVIDES MOTIVATION: The opportunity for incentive awards provides
          employees with the impetus to "stretch" for challenging, yet
          attainable, goals.

     -    PROVIDES RETENTION: by enhancing the Bank's competitive compensation
          posture.

     -    PROVIDES MANAGEMENT TEAM BUILDING: by making the incentive award
          dependent on the attainment of bank goals, a "team orientation" is
          fostered among all employees.

     -    PROVIDES COMPETITIVE COMPENSATION STRATEGY: The implementation of
          incentive arrangements is common in the banking industry today.

         The highlights of the incentive plan included in the following pages
are as follows:

     1.   The recommended plan is competitive as compared with similar sized
          banks and the banking industry in general.

     2.   The Board of Directors controls all aspects of the Plan.

     3.   All employees are participants.

     4.   The financial criteria necessary for plan operation consists of EPS,
          ROE, efficiency ratio and total deposit/loan growth goals.

     5.   Incentive distributions range from 0% of base salary (did not meet
          goal) to 40% of base salary (maximum performance under plan).

     6.   Award distribution would be made during first quarter 200l for fiscal
          year end December 31, 2000 performance.

<PAGE>

     7.   The categories of incentive plan participants are as follows:

<TABLE>
<CAPTION>

                    POSITION                      RANGE OF BONUS AWARDS
                    --------                      ---------------------
<S>                                            <C>
             A.       President & CEO                    0% - 40%

             B.       Executive Officers                 0% - 30%

             C.       Senior Officers                    0% - 25%

             D.       Vice Presidents                    0% - 20%

             E.       Other Officers/Exempt Employees    0% - 13%

             F.       Non-exempt Employees               0% - 8%

</TABLE>

         The Board of Directors of Compass Bank has established this Incentive
Plan. The PURPOSE of the plan is to meet and exceed financial goals and to
promote a superior level of performance relative to the Bank's competition in
its market area. Through payment of incentive compensation beyond base salaries,
the plan provides reward for meeting and exceeding the Bank's financial goals.

SECTION I -DEFINITIONS

         Various terms used in the plan are defined as follows:

BASE SALARY EARNINGS & COMM.:         Actual base salary earnings and
                                      commissions for the plan year then ended.

BOARD OF DIRECTORS:                   The Board of Directors of Compass Bank.

PRESIDENT & CEO:                      President and CEO of Compass Bank.

MANAGEMENT PERFORMANCE GOALS:         Those pre-set objectives and goals which
                                      are required to activate distribution of
                                      awards under the plan.

COMPENSATION COMMITTEE:               The Compensation Committee of the Board
                                      of Directors of the Bank.

                                       2

<PAGE>

PLAN PARTICIPANT:                     An eligible employee of the Bank
                                      designated by the President & CEO and
                                      approved by the Personnel Committee for
                                      participation for the Plan Year.

PLAN YEAR:                            The fiscal year.

EPS:                                  Earnings per Share.

ROE:                                  Return on Average Equity.

EFFICIENCY RATIO:                     The ratio of non-interest expenses to the
                                      sum of net interest income and
                                      non-interest income.

TOTAL DEPOSIT/LOAN GROWTH:            The change in the net balances of
                                      deposits and loans (exclusive of the
                                      allowance for loan losses) between the
                                      beginning and end of the Bank's fiscal
                                      year as reflected on the audited
                                      consolidated financial statements.

         For purposes of computing EPS and ROE, earnings are equal to net
income, as reflected on the Company's audited consolidated statement of income,
increased by the after-tax effect of the bonus expense for the current plan year
and adjusted for the after-tax effect of other material non-recurring items.

SECTION II -ELIGIBILITY TO PARTICIPATE

         To be eligible for an award under the plan, a plan participant must be
in the full-time or part-time service of the Bank at the start and close of the
fiscal year and be in the employ of the Bank when the award is paid out.
However, if the active, full-time service with the Bank of a participant in the
plan is terminated by death, disability, retirement, or if the participant is on
an approved leave of absence, the President & CEO may recommend an award to such
a participant based on the proportion of the plan year that he/she was in active
service with the Bank. The President may recommend a prorated incentive award to
an employee with less than one year's service.

SECTION III - ACTIVATING THE PLAN

         The operation of the plan is predicated on attaining and exceeding
management performance goals. The goals will consist of EPS, ROE, efficiency
ratio and total deposit/loan growth for fiscal year 2000. The performance goals
for the fiscal year are set forth in Appendix A.

                                       3

<PAGE>

SECTION IV - CALCULATION OF AWARDS

         The Compensation Committee designates a rate of distribution for the
incentive awards as determined by this plan. The actual rate of distribution for
each category of employees will be based upon Bank performance. The individual
performance of each employee may also affect the dollar amount or percentage of
the award granted to each recipient under this plan. The full Board of Directors
will approve the final award distributions.

SECTION V - DISTRIBUTION OF AWARDS

         Distribution of awards will be made during first quarter 2001 following
the end of the fiscal year. Distribution of the bonus award must be recommended
by the CEO and approved by the Compensation Committee. IN THE EVENT OF DEATH,
any approved award as outlined in Section II for distribution will become
payable to the designated beneficiary of the participant as recorded under the
Bank's group life insurance program, or in the absence of valid designation, to
the participant's estate.

SECTION VI - PLAN ADMINISTRATION

         The Board of Directors shall, with respect to the plan, have full power
and authority to construe, interpret and manage, control and administer this
plan, and to pass and decide upon cases in conformity with the objectives of the
plan.

         Any decision made or action taken by the Bank or the Board of
Directors, arising out of, or in connection with, the administration,
interpretation, and effect of the plan shall be at their absolute discretion and
will be conclusive and binding on all parties.

         No member of the Board of Directors or employee of the Bank shall be
liable for any act or action hereunder, whether of omission or commission, by a
plan participant or employee or by any agent to whom duties in connection with
the administration of the plan have been delegated in accordance with the
provision of the plan.

                                       4
<PAGE>

SECTION VII - AMENDMENT, MODIFICATION, SUSPENSION OR TERMINATION

         The Bank reserves the right, by and through its Board of Directors to
amend, modify, suspend, reinstate or terminate all or part of the plan at the
end of any plan year. The Board of Directors will give prompt written notice to
each participant of any amendment, suspension or termination or any material
modification of the plan.

SECTION VIII - EFFECTIVE DATE OF THE PLAN

         The initial effective date of the plan shall be January 1, 2000 and
January 1st of each year for succeeding plan years.

SECTION IX - EMPLOYER RELATION WITH PARTICIPANTS

         Neither establishment nor the maintenance of the plan shall be
construed as conferring any legal rights upon any participant or any person for
a continuation of employment, nor shall it interfere with the right of an
employer to discharge any participant or otherwise deal with him/her without
regard to the existence of the plan.

SECTION X - GOVERNING LAW

         Except to the extent pre-empted under federal law, the provisions of
the plan shall be construed, administered and enforced in accordance with the
domestic internal law of the State of Massachusetts.

         In the event of relevant changes in the Internal Revenue Code, related
rulings and regulations, or changes imposed by other regulatory agencies
affecting the continued appropriateness of the plan and awards made thereunder,
the Board may, at its sole discretion, accelerate or change the manner of
payments of any unpaid awards or amend the provisions of the plan.

SECTION XI - PRESIDENT'S DISCRETION

         The President & CEO will review the amounts to be awarded to individual
participants in the incentive plan. No award will be made to a participant whose
normal performance appraisal does not meet acceptable standards. The President
may recommend to the Board of Directors an upward or downward adjustment to a
bonus award if an individual recipients performance warrants. The Board of
Directors may adjust the President & CEO's bonus award upward or downward if in
their opinion the President & CEO's performance warrants. Under no circumstances
should an upward adjustment exceed 20% for the President & CEO.

                                       5
<PAGE>

                               [GRAPHIC OMITTED]

                                   APPENDIX A

                           New Bedford, Massachusetts

                             2000 PERFORMANCE GOALS

         The Board of Directors has established the following performance goals
for the 2000 plan year:

                        1.) ROE target of 8.54% to 10.20%
                                  (30% of Plan)

                         2.) EPS target of $0.97 - $1.17
                                  (30% of Plan)

                     3.) Efficiency Ratio - 54.86% to 50.71%
                                 (15% of Plan)

                             4.) Total Deposit/Loan
                      Growth - $347 million to $449 million
                                 (25% of Plan)

<PAGE>

                                                                      Appendix B

                            COMPASS BANK FOR SAVINGS
                      PERFORMANCE GOALS FOR PLAN YEAR 2000

         A : CEO

<TABLE>
<CAPTION>

                    (ex bonus)                     (ex bonus)                          (ex bonus)
PERFORMANCE          ROE GOAL      AWARD BASED     EPS GOAL        AWARD BASED   EFFICIENCY RATIO GOAL      AWARD BASED
   LEVEL           GOAL = 30.00%     ON ROE       GOAL = 30.00%      ON EPS          GOAL = 15.00%          ON EFF. RAT.
-------------      -------------   -----------    -------------    -----------   ----------------------     ------------
<S>              <C>             <C>           <C>               <C>           <C>                        <C>
   100.00%            8.54%           3.00%           $0.97           3.00%               54.86%               1.50%
   105.00%            8.71%           3.90%           $0.99           3.90%               54.41%               1.95%
   110.00%            8.88%           4.80%           $1.01           4.80%               53.98%               2.40%
   115.00%            9.04%           5.70%           $1.03           5.70%               53.54%               2.85%
   120.00%            9.21%           6.60%           $1.05           6.60%               53.12%               3.30%
   125.00%            9.38%           7.50%           $1.07           7.50%               52.70%               3.75%
   130.00%            9.54%           8.40%           $1.09           8.40%               52.29%               4.20%
   135.00%            9.71%           9.30%           $1.11           9.30%               51.89%               4.65%
   140.00%            9.87%          10.20%           $1.13          10.20%               51.49%               5.10%
   145.00%           10.04%          11.10%           $1.15          11.10%               51.09%               5.55%
   150.00%           10.20%          12.00%           $1.17          12.00%               50.71%               6.00%

</TABLE>

<TABLE>
<CAPTION>

         NET LOAN / DEPOSIT GROWTH GOAL                AWARD
           (in millions) GOAL = 25.00%       BASED     TOTAL
         ------------------------------       ON       AWARD
         loans       deposits    total      GROWTH    100.00%
         -----       --------    ------     -------   -------
<S>                 <C>       <C>        <C>        <C>
         $266          $81       $347       2.50%     10.00%
         $274          $83       $357       3.25%     13.00%
         $282          $86       $368       4.00%     16.00%
         $290          $88       $378       4.75%     19.00%
         $297          $90       $387       5.50%     22.00%
         $305          $93       $398       6.25%     25.00%
         $313          $95       $408       7.00%     28.00%
         $321          $97       $418       7.75%     31.00%
         $329         $100       $429       8.50%     34.00%
         $336         $102       $438       9.25%     37.00%
         $344         $105       $449      10.00%     40.00%

</TABLE>

             B : EXECUTIVE OFFICERS

<TABLE>
<CAPTION>

                   (ex bonus)                       (ex bonus)       AWARD              (ex bonus)
  PERFORMANCE      ROE GOAL        AWARD BASED       EPS GOAL        BASED         EFFICIENCY RATIO GOAL    AWARD BASED
     LEVEL       GOAL = 30.00%       ON ROE       GOAL = 30.00%      ON EPS           GOAL = 15.00%        ON EFF. RAT.
---------------- -------------- ---------------- --------------- --------------- ------------------------ --------------
<S>            <C>            <C>               <C>            <C>             <C>                       <C>
   100.00%            8.54%           3.00%           $0.97           3.00%               54.86%               1.50%
   105.00%            8.71%           3.60%           $0.99           3.60%               54.41%               1.80%
   110.00%            8.88%           4.20%           $1.01           4.20%               53.98%               2.10%
   115.00%            9.04%           4.80%           $1.03           4.80%               53.54%               2.40%
   120.00%            9.21%           5.40%           $1.05           5.40%               53.12%               2.70%
   125.00%            9.38%           6.00%           $1.07           6.00%               52.70%               3.00%
   130.00%            9.54%           6.60%           $1.09           6.60%               52.29%               3.30%
   135.00%            9.71%           7.20%           $1.11           7.20%               51.89%               3.60%
   140.00%            9.87%           7.80%           $1.13           7.80%               51.49%               3.90%
   145.00%           10.04%           8.40%           $1.15           8.40%               51.09%               4.20%
   150.00%           10.20%           9.00%           $1.17           9.00%               50.71%               4.50%

</TABLE>

<TABLE>
<CAPTION>

       NET LOAN / DEPOSIT GROWTH       AWARD
      (in millions) GOAL = 25.00%      BASED     TOTAL
    ------------------------------      ON       AWARD
     loans      deposits     total     GROWTH    100.00%
    ------     ---------   -------    --------  -------
<S>         <C>         <C>       <C>         <C>
     $266          $81       $347       2.50%     10.00%
     $274          $83       $357       3.00%     12.00%
     $282          $86       $368       3.50%     14.00%
     $290          $88       $378       4.00%     16.00%
     $297          $90       $387       4.50%     18.00%
     $305          $93       $398       5.00%     20.00%
     $313          $95       $408       5.50%     22.00%
     $321          $97       $418       6.00%     24.00%
     $329         $100       $429       6.50%     26.00%
     $336         $102       $438       7.00%     28.00%
     $344         $105       $449       7.50%     30.00%

</TABLE>

<PAGE>

                           COMPASS BANK FOR SAVINGS
                           PERFORMANCE GOALS FOR PLAN YEAR 2000

              C : SENIOR OFFICERS

<TABLE>
<CAPTION>

                   (ex bonus)                       (ex bonus)       AWARD              (ex bonus)
  PERFORMANCE      ROE GOAL        AWARD BASED       EPS GOAL        BASED         EFFICIENCY RATIO GOAL    AWARD BASED
     LEVEL       GOAL = 30.00%       ON ROE       GOAL = 30.00%      ON EPS           GOAL = 15.00%        ON EFF. RAT.
---------------- -------------- ---------------- --------------- --------------- ------------------------ --------------
<S>            <C>            <C>               <C>            <C>             <C>                       <C>
   100.00%            8.54%           3.00%           $0.97           3.00%               54.86%               1.50%
   105.00%            8.71%           3.45%           $0.99           3.45%               54.41%               1.73%
   110.00%            8.88%           3.90%           $1.01           3.90%               53.98%               1.95%
   115.00%            9.04%           4.35%           $1.03           4.35%               53.54%               2.18%
   120.00%            9.21%           4.80%           $1.05           4.80%               53.12%               2.40%
   125.00%            9.38%           5.25%           $1.07           5.25%               52.70%               2.63%
   130.00%            9.54%           5.70%           $1.09           5.70%               52.29%               2.85%
   135.00%            9.71%           6.15%           $1.11           6.15%               51.89%               3.08%
   140.00%            9.87%           6.60%           $1.13           6.60%               51.49%               3.30%
   145.00%           10.04%           7.05%           $1.15           7.05%               51.09%               3.53%
   150.00%           10.20%           7.50%           $1.17           7.50%               50.71%               3.75%

</TABLE>

<TABLE>
<CAPTION>

     NET LOAN / DEPOSIT GROWTH       AWARD
    (in millions) GOAL = 25.00%      BASED     TOTAL
  ------------------------------      ON       AWARD
  loans      deposits     total     GROWTH    100.00%
  ------    ---------   -------    --------  -------
<S>         <C>         <C>       <C>         <C>
  $266          $81       $347       2.50%     10.00%
  $274          $83       $357       2.88%     11.50%
  $282          $86       $368       3.25%     13.00%
  $290          $88       $378       3.63%     14.50%
  $297          $90       $387       4.00%     16.00%
  $305          $93       $398       4.38%     17.50%
  $313          $95       $408       4.75%     19.00%
  $321          $97       $418       5.13%     20.50%
  $329         $100       $429       5.50%     22.00%
  $336         $102       $438       5.88%     23.50%
  $344         $105       $449       6.25%     25.00%

</TABLE>

              D : VICE PRESIDENTS

<TABLE>
<CAPTION>

                   (ex bonus)                       (ex bonus)       AWARD              (ex bonus)
  PERFORMANCE      ROE GOAL        AWARD BASED       EPS GOAL        BASED         EFFICIENCY RATIO GOAL    AWARD BASED
     LEVEL       GOAL = 30.00%       ON ROE       GOAL = 30.00%      ON EPS           GOAL = 15.00%        ON EFF. RAT.
---------------- -------------- ---------------- --------------- --------------- ------------------------ --------------
<S>            <C>            <C>               <C>            <C>             <C>                       <C>
   100.00%            8.54%           3.00%           $0.97           3.00%               54.86%               1.50%
   105.00%            8.71%           3.30%           $0.99           3.30%               54.41%               1.65%
   110.00%            8.88%           3.60%           $1.01           3.60%               53.98%               1.80%
   115.00%            9.04%           3.90%           $1.03           3.90%               53.54%               1.95%
   120.00%            9.21%           4.20%           $1.05           4.20%               53.12%               2.10%
   125.00%            9.38%           4.50%           $1.07           4.50%               52.70%               2.25%
   130.00%            9.54%           4.80%           $1.09           4.80%               52.29%               2.40%
   135.00%            9.71%           5.10%           $1.11           5.10%               51.89%               2.55%
   140.00%            9.87%           5.40%           $1.13           5.40%               51.49%               2.70%
   145.00%           10.04%           5.70%           $1.15           5.70%               51.09%               2.85%
   150.00%           10.20%           6.00%           $1.17           6.00%               50.71%               3.00%

</TABLE>

<TABLE>
<CAPTION>

       NET LOAN / DEPOSIT GROWTH       AWARD
      (in millions) GOAL = 25.00%      BASED     TOTAL
    ------------------------------      ON       AWARD
    loans      deposits     total     GROWTH    100.00%
    ------    ---------   -------    --------  -------
<S>         <C>         <C>       <C>         <C>
     $266          $81       $347       2.50%     10.00%
     $274          $83       $357       2.75%     11.00%
     $282          $86       $368       3.00%     12.00%
     $290          $88       $378       3.25%     13.00%
     $297          $90       $387       3.50%     14.00%
     $305          $93       $398       3.75%     15.00%
     $313          $95       $408       4.00%     16.00%
     $321          $97       $418       4.25%     17.00%
     $329         $100       $429       4.50%     18.00%
     $336         $102       $438       4.75%     19.00%
     $344         $105       $449       5.00%     20.00%

</TABLE>

<PAGE>

                            COMPASS BANK FOR SAVINGS
                      PERFORMANCE GOALS FOR PLAN YEAR 2000

    E : OTHER OFFICERS AND EXEMPT

<TABLE>
<CAPTION>

                   (ex bonus)                       (ex bonus)       AWARD              (ex bonus)
  PERFORMANCE      ROE GOAL        AWARD BASED       EPS GOAL        BASED         EFFICIENCY RATIO GOAL    AWARD BASED
     LEVEL       GOAL = 30.00%       ON ROE       GOAL = 30.00%      ON EPS           GOAL = 15.00%        ON EFF. RAT.
---------------- -------------- ---------------- --------------- --------------- ------------------------ --------------
<S>            <C>            <C>               <C>            <C>             <C>                       <C>
   100.00%            8.54%           2.40%           $0.97           2.40%               54.86%               1.20%
   105.00%            8.71%           2.55%           $0.99           2.55%               54.41%               1.28%
   110.00%            8.88%           2.70%           $1.01           2.70%               53.98%               1.35%
   115.00%            9.04%           2.85%           $1.03           2.85%               53.54%               1.43%
   120.00%            9.21%           3.00%           $1.05           3.00%               53.12%               1.50%
   125.00%            9.38%           3.15%           $1.07           3.15%               52.70%               1.58%
   130.00%            9.54%           3.30%           $1.09           3.30%               52.29%               1.65%
   135.00%            9.71%           3.45%           $1.11           3.45%               51.89%               1.73%
   140.00%            9.87%           3.60%           $1.13           3.60%               51.49%               1.80%
   145.00%           10.04%           3.75%           $1.15           3.75%               51.09%               1.88%
   150.00%           10.20%           3.90%           $1.17           3.90%               50.71%               1.95%

</TABLE>

<TABLE>
<CAPTION>

       NET LOAN / DEPOSIT GROWTH       AWARD
      (in millions) GOAL = 25.00%      BASED     TOTAL
    ------------------------------      ON       AWARD
    loans      deposits     total     GROWTH    100.00%
    ------    ---------   -------    --------  -------
<S>         <C>         <C>       <C>         <C>
     $266          $81       $347       2.00%      8.00%
     $274          $83       $357       2.13%      8.50%
     $282          $86       $368       2.25%      9.00%
     $290          $88       $378       2.38%      9.50%
     $297          $90       $387       2.50%     10.00%
     $305          $93       $398       2.63%     10.50%
     $313          $95       $408       2.75%     11.00%
     $321          $97       $418       2.88%     11.50%
     $329         $100       $429       3.00%     12.00%
     $336         $102       $438       3.13%     12.50%
     $344         $105       $449       3.25%     13.00%

</TABLE>

      F : NON-EXEMPT EMPLOYEES

<TABLE>
<CAPTION>

                   (ex bonus)                       (ex bonus)       AWARD              (ex bonus)
  PERFORMANCE      ROE GOAL        AWARD BASED       EPS GOAL        BASED         EFFICIENCY RATIO GOAL    AWARD BASED
     LEVEL       GOAL = 30.00%       ON ROE       GOAL = 30.00%      ON EPS           GOAL = 15.00%        ON EFF. RAT.
---------------- -------------- ---------------- --------------- --------------- ------------------------ --------------
<S>            <C>            <C>               <C>            <C>             <C>                       <C>
   100.00%            8.54%           0.90%           $0.97           0.90%               54.86%               0.45%
   105.00%            8.71%           1.05%           $0.99           1.05%               54.41%               0.53%
   110.00%            8.88%           1.20%           $1.01           1.20%               53.98%               0.60%
   115.00%            9.04%           1.35%           $1.03           1.35%               53.54%               0.68%
   120.00%            9.21%           1.50%           $1.05           1.50%               53.12%               0.75%
   125.00%            9.38%           1.65%           $1.07           1.65%               52.70%               0.83%
   130.00%            9.54%           1.80%           $1.09           1.80%               52.29%               0.90%
   135.00%            9.71%           1.95%           $1.11           1.95%               51.89%               0.98%
   140.00%            9.87%           2.10%           $1.13           2.10%               51.49%               1.05%
   145.00%           10.04%           2.25%           $1.15           2.25%               51.09%               1.13%
   150.00%           10.20%           2.40%           $1.17           2.40%               50.71%               1.20%

</TABLE>

<TABLE>
<CAPTION>

       NET LOAN / DEPOSIT GROWTH       AWARD
      (in millions) GOAL = 25.00%      BASED     TOTAL
    ------------------------------      ON       AWARD
    loans      deposits     total     GROWTH    100.00%
    ------    ---------   -------    --------  -------
<S>         <C>         <C>       <C>         <C>
     $266          $81       $347       0.75%      3.00%
     $274          $83       $357       0.88%      3.50%
     $282          $86       $368       1.00%      4.00%
     $290          $88       $378       1.13%      4.50%
     $297          $90       $387       1.25%      5.00%
     $305          $93       $398       1.38%      5.50%
     $313          $95       $408       1.50%      6.00%
     $321          $97       $418       1.63%      6.50%
     $329         $100       $429       1.75%      7.00%
     $336         $102       $438       1.88%      7.50%
     $344         $105       $449       2.00%      8.00%

</TABLE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00004-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00004-of-00352.parquet"}]]