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                                                                   EXHIBIT 10(d)

                                 AMENDMENT EIGHT
                    TO THE FLEETBOSTON FINANCIAL CORPORATION
                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN
                               (1996 RESTATEMENT)

         WHEREAS, the Human Resources Committee of the Board of Directors of
FleetBoston Financial Corporation has determined that it is desirable to amend
the FleetBoston Financial Corporation Supplemental Executive Retirement Plan
(1996 Restatement), as amended (the "Plan"), as permitted by Article 7 of the
Plan.

         NOW THEREFORE, the Plan is hereby amended effective immediately as
follows:

1.       Appendix A is hereby amended to add the following new Sub-section 3 at
         the end of Section A:

         3.       Consistent with the actions taken by the Human Resources
         Committee at their meeting held on October 15, 2002, Anne Finucane
         shall become a participant in the Plan on January 1, 2003. For purposes
         of calculating her retirement benefit under the Plan, if Ms. Finucane
         remains continuously employed through January 1, 2008, or if her
         employment is terminated by the Company without "cause" or if she
         terminates her employment for "good reason" following a "change in
         control" of the Company, Ms. Finucane will receive 2 years of Credited
         Service for each year of actual service since January 1, 2003, such
         practice to continue until she is credited with a maximum of thirty
         (30) years of Credited Service. The terms "cause" and "good reason"
         shall be defined as such terms are defined in her change of control
         agreement with the Company.

IN WITNESS WHEREOF, this Amendment Eight has been adopted by the Human Resources
Committee on the 15th day of October, 2002 and is executed by a duly authorized
officer of FleetBoston Financial Corporation.

                                    FLEETBOSTON FINANCIAL CORPORATION

                                    By:  /s/ M. ANNE SZOSTAK
                                         -----------------------------
                                         M. Anne Szostak
                                         Executive Vice President and
                                          Director of Human Resources<PAGE>

                                                                   EXHIBIT 10(l)

                                 AMENDMENT FOUR
                                       TO
                      THE FLEETBOSTON FINANCIAL CORPORATION
                   EXECUTIVE DEFERRED COMPENSATION PLAN NO. 2
                               (1997 RESTATEMENT)

         Section 6.1 of the Plan is amended effective October 15, 2002, to read
as follows:

         6.1      INTEREST EQUIVALENT FACTORS.

(a)   IN GENERAL. From time to time the Committee shall determine annual
      interest equivalent factors that apply to Deferrals made in each calendar
      year. The Committee may determine different interest equivalent factors
      for Deferrals made in different calendar years, and except as otherwise
      provided herein, the Committee may change each year the interest
      equivalent factor applicable to Deferrals made in a specified calendar
      year.

(b)   PRE-1998 DEFERRALS. Except as otherwise provided in Sections 6.2 and 6.3,
      the annual interest equivalent factor for Vested Participants for pre-1998
      Deferrals shall be 12 percent; provided that, unless the Committee decides
      otherwise, the annual interest equivalent factor for pre-1998 Deferrals
      for Participants who are Vested pursuant to Section 8.5(c) shall be 8%
      beginning at termination of employment.

(c)   1998 AND LATER DEFERRALS. Except as otherwise provided with respect to a
      Change in Control, the annual interest equivalent factors for Deferrals
      after 1997 may be changed from time to time by the Committee.

(d)   AFTER DEATH. Notwithstanding the foregoing, the annual interest equivalent
      factors applicable to a Participant's Deferrals (i) at the time of the
      Participant's death shall continue to apply until the Participant's
      Account is entirely distributed and (ii) shall be consistent with any
      severance or other agreement between the Company and the Participant.

<PAGE>

         IN WITNESS WHEREOF, this Amendment Four was adopted by the Human
Resources and Board Governance Committee at its October 15, 2002 meeting and is
executed by a duly authorized officer of the Company.

                             FLEETBOSTON FINANCIAL CORPORATION

                                   By:  /s/ M. ANNE SZOSTAK
                                        --------------------------------
                                        M. Anne Szostak
                                        Executive Vice President and
                                        Director of Human Resources<PAGE>

                                                                   EXHIBIT 10(t)

                             Second Amendment To The

                        FleetBoston Financial Corporation

               Directors Deferred Compensation and Stock Unit Plan
                          (Effective December 17, 1997)

         The Directors Deferred Compensation and Stock Unit Plan (Effective
December 17, 1997) is hereby amended as follows, effective January 1, 2003:

    1)   The following new sentence is hereby added to the end of Section 6:

                  Subject to adjustment in accordance with the provisions of
                  Section 16(a), the total number of Shares of Common Stock that
                  may be issued under the Plan shall not exceed 2,000,000
                  Shares.

    2)   The following new sentence is hereby added to the end of Section 12(a):

                  Notwithstanding the above, Meeting Fees deferred as Deferred
                  Stock Units will initially be deferred into the Fixed Rate
                  Account on the date such Fees are earned, and then credited,
                  together with earnings thereon at the Fixed Rate, to the Stock
                  Unit Account on the first day of each calendar quarter.

                                    Adopted by the Human Resources
                                    Committee of the Board of
                                    Directors at their meeting held
                                    on December 17, 2002.

                                               /s/ GARY A. SPIESS
                                               -------------------------
                                           By: Gary A. Spiess
                                               Executive Vice President,
                                               General Counsel and Secretary<PAGE>

                                                                 EXHIBIT 10(kk)

                               SECOND AMENDMENT TO
                              EMPLOYMENT AGREEMENT

         The Employment Agreement by and between FLEET FINANCIAL GROUP, INC.
(now FleetBoston Financial Corporation), a Rhode Island Corporation (the
"Company"), and Charles K. Gifford (the "Executive"), dated as of March 14, 1999
as amended effective as of February 7, 2000 (the "Agreement"), is hereby further
amended, effective as of April 22, 2002, as set forth below.

         The following is hereby added at the end of Section 10(a) of the
Agreement:

         Notwithstanding the above, the Executive may designate a beneficiary
         who will be entitled to any portion of the payments under Section 5
         (a)(i) to which the Executive is entitled in the event of his death.
         The beneficiary may be designated or changed by the Executive (without
         the consent of any prior beneficiary) on a form provided by the Company
         and delivered to the Company before his death. If no such beneficiary
         shall have been designated, or if no designated beneficiary shall
         survive the Executive, such payments , if not previously paid, shall be
         paid to the Executive's estate.

         IN WITNESS WHEREOF, the Executive and the Company have caused this
Amendment to the Agreement to be entered into, as of the day and year as set
forth above.

                                               /s/ CHARLES K. GIFFORD
                                               -------------------------------
                                               Executive Signature

                                               FLEETBOSTON FINANCIAL CORP.

                                               /s/ M. ANNE SZOSTAK
                                               --------------------------------
                                               By: M. Anne Szostak

                                               Title: Executive Vice President<PAGE>

                                                                  EXHIBIT 10(ll)

                               THIRD AMENDMENT TO
                              EMPLOYMENT AGREEMENT

         The Employment Agreement by and between FLEET FINANCIAL GROUP, INC.
(now FleetBoston Financial Corporation), a Rhode Island corporation (the
"Company"), and Charles K. Gifford (the "Executive"), dated as of March 14, 1999
amended effective as of February 7, 2000 and April 22, 2002 (the "Agreement"),
is hereby further amended, effective as of October 1, 2002, as set forth below.

Section 5 (a)(i)(A) of the Agreement is hereby restated in its entirety to read
as follows:

(A)    the "Severance Payments" as defined in Section 6.1 of the Prior Agreement
       (including without limitation payment to the Executive on account of the
       items described in paragraph (C) of such Section 6.1), representing the
       amounts and benefits to which the Executive would have been entitled
       under the Prior Agreement, as determined by the Auditor no later than 30
       days after the execution of this Agreement, plus interest from the
       Effective Date to the effective date of this Third Amendment (the
       "Initial Interest Term"), at an annual rate equal to the "prime" rate as
       in effect from time to time, compounded daily, and interest from the
       effective date of this Third Amendment to the date of payment of such
       Severance Payments (the "Second Interest Term"), at a rate equal to the
       prior month 1 Year Constant Maturity Treasury rate as determined each
       month by the Federal Reserve, compounded daily (subject to the limitation
       that the average interest rate used during the Initial Interest Term and
       the Second Interest Term shall in no event exceed 10%) (the "New
       Severance Payment"); provided that the Executive may elect to reduce the
       Severance Payments by the amount described in paragraph (B) of Section
       6.1 of the Prior Agreement and, in lieu thereof, receive for a period of
       three years following the Date of Termination the continuation of the
       benefits described in Section 3 (f)(ii); and

      IN WITNESS WHEREOF, the Executive and the Company have caused this Third
Amendment to the Agreement to be entered into as of the day and year set forth
above.

                                           /s/ CHARLES K. GIFFORD
                                           -------------------------------
                                           Charles K. Gifford

                                           FLEETBOSTON FINANCIAL CORP.

                                       By: /s/ M. ANNE SZOSTAK
                                           -------------------------------
                                    Title: Executive Vice President

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