Document:

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                                                                  Exhibit 10.1.2

                                 March 15, 2000

Mr. Brett N. Silvers
61 Ledyard Road
West Hartford, CT  06117

Dear Brett:

         Reference is made to that certain Employment Agreement (the "EMPLOYMENT
AGREEMENT") dated as of April 15, 1994 among Brett N. Silvers ("SILVERS"), First
International Bancorp, Inc. ("FIB") and First National Bank of New England (now
known as First International Bank) ("FIRST INTERNATIONAL"), as amended by those
certain letter agreements (collectively, the "LETTER AGREEMENTS") dated July 3,
1997 and March 31, 1999 among Silvers, FIB and First International.

         Silvers, FIB and First International agree that the first sentence in
Section 2.1 of the Employment Agreement, as amended by the Letter Agreements, is
deleted in its entirety and the following is substituted in its place:

         ""Term of Employment" shall mean the period commencing as of April 1,
1994 and ending June 30, 2001."

         Except to the extent expressly amended herein, the Employment
Agreement, as amended by the Letter Agreements, remains unmodified and in full
force and effect in accordance with its terms.

         Please sign in the space provided below to indicate your acceptance of
the foregoing, whereupon the provisions of this letter shall take effect.

                                        Very truly yours,

                                        FIRST INTERNATIONAL BANCORP, INC.

                                        By:/s/Leslie A. Galbraith
                                        -------------------------
                                           Leslie A. Galbraith
                                           Its Executive Vice President

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                                      -2-

                               FIRST INTERNATIONAL BANK

                               By:/s/Leslie A. Galbraith
                               -------------------------
                                  Leslie A. Galbraith
                                  Its President

Agreed to and Accepted this 17th day of March, 2000.

/s/Brett N. Silvers
---------------------
Brett N. Silvers<PAGE>   1
                                                                  Exhibit 10.1.4

[BRETT N. SILVERS LETTERHEAD]

October 27, 1999

First International Bancorp, Inc.
280 Trumbull Street
Hartford, Connecticut  06103

         Attention: Leslie A. Galbraith, Executive Vice President

Ladies and Gentlemen:

         As you know, in connection with the recent amendment of my employment
agreement, First International Bancorp, Inc. (the "Company") agreed to sell to
me, and I agreed to purchase from the Company, 200,000 shares of common stock of
the Company (the "Shares") at an aggregate purchase price of $2,000,000. As
payment of the purchase price for the Shares, I delivered to the Company,
$20,000 in cash and a promissory note (the "Note") for the balance of the
purchase price. In addition, I executed and delivered a pledge agreement (the
"Pledge Agreement") pursuant to which I pledged the Shares to the Company to
secure my obligations under the Note. Subsequent to the sale, as the Company is
aware, I made certain estate planning transfers of the Shares to members of my
immediate family (subject to the Pledge Agreement). As of the date hereof, all
of the Shares are owned by members of my immediate family.

         The Company has informed me that in order to ensure full compliance
with the rules and regulations of the Nasdaq-AMEX Stock Market, the Company
intends to submit to the stockholders of the Company (the "Company
Stockholders") for their consideration and approval at the next meeting of the
Company Stockholders, the sale of the Shares to me on the terms set forth above.
Furthermore, I have agreed to enter into this letter agreement by which I am
agreeing to certain temporary restrictions on the transfer and voting of the
Shares.

         Based on the foregoing, while this letter agreement is in effect:

         1. I acknowledge and agree on behalf of myself and any immediate family
members to whom I have transferred the Shares, that the Shares shall not be
voted on any matter, whether by proxy, at a special or regularly scheduled
meeting of the Company Stockholders or by any unanimous
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First International Bancorp, Inc.
October 27, 1999
Page 2

consent or similar vote or consent of the Company Stockholders, which may be
called or requested by the Company.

         2. I agree on behalf of myself and any immediate family members to whom
I have transferred the Shares, that I will not sell, assign, transfer or
otherwise dispose of or permit to be sold, assigned, transferred or otherwise
disposed of, any of the Shares, excepting however, any transfer by operation of
law, and in a conversion into cash or securities of another issuer upon
consummation of a merger or similar transaction to which the Company is a party.

         3. I represent that I have the complete and unrestricted power and the
unqualified right to enter into and perform the terms of this letter agreement.
I further represent that this letter agreement constitutes a valid and binding
agreement, enforceable against me in accordance with its terms, except as
enforcement may be limited by general principles of equity whether applied in a
court of law or a court of equity and by bankruptcy, insolvency and similar laws
affecting creditors' rights and remedies generally. I represent that either I or
immediate family members to whom I have transferred the Shares, beneficially own
the Shares, free and clear of any liens, claims, charges or other encumbrances
or restrictions of any kind whatsoever, other than pursuant to the Pledge
Agreement referred to above or the Securities Act of 1933, as amended or the
Securities Exchange Act of 1934, as amended, and have sole and otherwise
unrestricted, voting power with respect to such Shares.

         4. The agreements contained herein shall remain in full force and
effect until such time as the Company Stockholders shall have approved the sale
of the Shares to me in accordance with the first paragraph of this letter
agreement, at which time, the agreements contained herein shall automatically
terminate and be of no further force and effect without any action on my or the
Company's part. In the event that the Company Stockholders shall have failed to
approve the sale of the Shares to me after taking a vote on such matter at the
next meeting of the Company Stockholders to be held after the date hereof, I
agree that the sale of the Shares to me shall be rescinded. In such event, I and
the Company agree to take all necessary actions to effect such rescission.
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First International Bancorp, Inc.
October 27, 1999
Page 3

         5. The Company hereby agrees that it will use its best efforts to cause
the sale of the Shares to me to be included in any proxy materials prepared and
delivered to the Company Stockholders by the Company in connection with the next
meeting of the Company Stockholders to be held after the date hereof.

         6. I have signed this letter agreement intending to be bound thereby. I
expressly agree that this letter agreement shall be specifically enforceable in
any court of competent jurisdiction in accordance with its terms against me. All
of the covenants and agreements contained in this letter agreement shall be
binding upon, and inure to the benefit of, the respective parties and their
permitted successors, assigns, heirs, executors, administrators and other legal
representatives, as the case may be.

         7. This letter agreement may be executed in one or more counterparts,
each of which will be deemed an original but all of which together shall
constitute one and the same instrument.

         8. This letter agreement is deemed to be signed as a sealed instrument
and is to be governed by the laws of the State of Connecticut, without giving
effect to the principles of conflicts of laws thereof. If any provision hereof
is deemed unenforceable, the enforceability of the other provisions hereof shall
not be affected.

         If the foregoing accurately reflects your understanding of the subject
matter intended to be contained herein, please confirm our agreement by signing
this letter where indicated below.

                                                     Very truly yours,

                                                     /S/ Brett N. Silvers
                                                     --------------------

ACCEPTED AND AGREED
AS OF THE DATE FIRST
ABOVE WRITTEN.

FIRST INTERNATIONAL BANCORP, INC.
By: /S/ Leslie Galbraith
------------------------
        Name: Leslie Galbraith
        Title:   Executive Vice President<PAGE>   1
                                                                  Exhibit 10.2.1

                                 PROMISSORY NOTE

$1,980,000                                                       March 31, 1999

         FOR VALUE RECEIVED, the undersigned Brett N. Silvers (hereinafter
called "MAKER") promises to pay to the order of First International Bancorp,
Inc. (hereinafter called "PAYEE") at its address at 280 Trumbull Street,
Hartford, Connecticut, or at such other place as the holder hereof (including
the Payee, hereinafter referred to as "HOLDER") may designate in lawful money of
the United States, the principal sum of One Million Nine Hundred Eighty Thousand
Dollars ($1,980,000), together with interest on the unpaid balance of this note,
beginning as of the date hereof, at an interest rate of seven (7%) percent per
annum, together with all expenses, including reasonable attorneys' fees,
incurred in any action to collect this note.

         The principal of this note, together with accrued interest, shall be
due and payable in full on April 1, 2002. Such interest shall be calculated as
simple interest, rather than being compounded; however, notwithstanding the
interest rate and payment of interest and principal required above, no interest
or principal shall be payable under this note upon the occurrence of a Change of
Control (as defined in that certain Employment Agreement dated as of April 15,
1994 among Maker, Payee and First National Bank of Connecticut (now known as
First International Bank, National Association) ("FIRST INTERNATIONAL"), as
amended by those certain letter agreements dated July 3, 1997 and March 31, 1999
among Maker, Payee and First International).

         Maker agrees that (i) if Maker shall fail to pay any sum due under this
note within ten (10) days after receiving notice from the Holder that such
amount is due; or (ii) if Maker shall suffer or permit the filing by or against
it of any petition for adjudication, arrangement, reorganization or the like
under any bankruptcy or insolvency law or make an assignment for the benefit of
creditors, and if, in the case of an involuntary petition, such petition is not
dismissed within thirty (90) days of the filing thereof (each of the events and
circumstances in (i) and (ii) being events of default), then, upon the happening
of any of such event, the entire indebtedness with accrued interest thereon (if
any) due under this note shall be immediately due and payable at the option of
the Holder.
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         Maker may prepay any amounts on account of principal at any time
without the imposition of any fee or penalty.

         Notwithstanding any other provision hereof, in enforcing the provisions
hereof, the Holder shall not have the right to attach or execute upon any asset
of Maker unless and until the Holder shall have exhausted its remedies pursuant
to the Stock Pledge Agreement entered into between the Maker and the Payee this
day (that is, unless and until all of the shares of Payee Common Stock, par
value $.10 per share, pledged by Maker as collateral for this note have been
sold, and the proceeds thereof have been applied to the obligations of Maker set
forth in this note).

         This note shall be governed by and construed in accordance with the
laws of the State of Connecticut.

         Dated this 31st day of March, 1999.

                                                /s/ Brett N. Silvers
                                                --------------------------------
                                                Brett N. Silvers

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