Document:

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          FIRST AMENDMENT TO THE WILMINGTON TRUST THRIFT SAVINGS PLAN

                                  EXHIBIT 4.12
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                             FIRST AMENDMENT TO THE
                      WILMINGTON TRUST THRIFT SAVINGS PLAN
               (as amended and restated effective January 1, 1996)

         Whereas, Wilmington Trust Company, ("Employer") adopted the Wilmington
Trust Thrift Savings Plan, ("Plan"), effective January 1, 1985; and

         Whereas, the Employer has amended the Plan from time to time, and
amended and restated the Plan in its entirety effective January 1, 1996; and

         Whereas, the Employer desires to amend the Plan in accordance with
Article XV to change the definition of Eligible Compensation, include Scheduled
Wage Roll staff members as participants, and change the computation period for
vesting.

         Now Therefore, the Plan is hereby amended effective January 1, 2001 as
follows:

1.       Subsection 3.(b)(iii) "Compensation" is amended to read as follows:

         (iii) Exclusions From Compensation:

                  (1)      overtime

                  (2)      bonuses, other than "Profit Sharing Bonus"

                  (3)      commissions

                  (4)      shift differential and imputed compensation

<TABLE>
<CAPTION>
         Type of Contribution(s)                                                Exclusions
         -----------------------                                                ----------
<S>                                                                             <C>
                  Elective Deferrals [Section 7(b)]                             2,3,4
                  Matching contributions [Section 7(c)]                         2,3,4
                  Qualified Non-Elective Contributions [Section 7(d)]
                  And Non-Elective Contributions [Section 7(e)]                 2,3,4
</TABLE>

2.       Subsection 4.(c) "Classification" is amended to read as follows:

         The Plan shall cover all Employees who have met the age and service
         requirements with the following exceptions:

         [ ]      (i) No exceptions.

         [x]      (ii) The Plan shall exclude Employees included in a unit of
                  Employees covered by a collective bargaining agreement between
                  the Employer and Employee Representatives, if retirement
                  benefits were the subject of good faith bargaining. For this
                  purpose, the term "Employee Representative" does not include
                  any organization more than half of whose members are Employees
                  who are owners, officers, or executives of the Employer.
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         [ ]      (iii) The Plan shall exclude Employees who are nonresident
                  aliens and who receive no earned income from the Employer
                  which constitutes income from sources within the United
                  States.

         [x]      (iv) The Plan shall exclude from participation any
                  nondiscriminatory classification of Employees determined as
                  follows:

                  All "On-call" staff members, defined as employees hired on a
                  seasonal or temporary basis who are paid at an hourly rate for
                  hours worked.

3.       Subsection 7.(c)(viii) "Matching Contribution Computation Period" is
         amended to read as follows:.

         (viii)   Matching Contribution Computation Period: The time period upon
                  which matching contributions will be based shall be

         [ ]      (A)  weekly

         [x]      (B)  bi-weekly

         [ ]      (C)  semi-monthly

         [ ]      (D)  monthly

         [ ]      (E)  quarterly

         [ ]      (F)  semi-annually

         [ ]      (G)  annually

4.       Subsection 10. "Cash Option" is amended to read as follows:

         [ ]      (a) The Employer may permit a Participant to elect to defer
                  to the Plan, an amount not to exceed ________% of any Employer
                  paid cash bonus made for such Participant for any year. A
                  Participant must file an election to defer such contribution
                  at least fifteen (15) days prior to the end of the Plan Year.
                  If the Employee fails to make such an election, the entire
                  Employer paid cash bonus to which the Participant would be
                  entitled shall be paid as cash and not to the Plan. Amounts
                  deferred under this section shall be treated for all purposes
                  as Elective Deferrals. Notwithstanding the above, the election
                  to defer must be made before the bonus is made available to
                  the Participant.

         [x]      (b)  Not Applicable.

5.       Subsection 12.(a) "Computation Period" is amended to read as follows:

         The computation period for purposes of determining Years of Service and
         Breaks in Service for purposes of computing a Participant's
         nonforfeitable right to his or her account balance derived from
         Employer contributions:

         [ ](i)  shall not be applicable since Participants are always fully
                 vested.
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[x] (ii) shall commence on the date on which an Employee first performs an Hour
of Service for the Employer and each subsequent 12-consecutive month period
shall commence on the anniversary thereof.

[ ](iii) shall commence on the first day of the Plan Year during which an
Employee first performs an Hour of Service for the Employer and each subsequent
12-consecutive month period shall commence on the anniversary thereof.

[ ](iv) shall commence on the date an Employee reaches the first Entry Date for
the Plan.

         In Witness Whereof, the Employer has caused this amendment to be
executed this 13th day of February, 2001.

         (CORPORATE SEAL)

                                          /s/ Michael A. DiGregorio
                                          -----------------------------------

         Date:  2/13/01                   /s/ Gerard A. Chamberlain
                                          -----------------------------------
                                          Witness<PAGE>   1

         AMENDMENT NO. 1 TO SEVERANCE AGREEMENT DATED AS OF DECEMBER 19,
                   2000 BETWEEN WILMINGTON TRUST COMPANY AND
                                  TED T. CECALA

                                  EXHIBIT 10.18
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                     AMENDMENT NO. 1 TO SEVERANCE AGREEMENT

         THIS AMENDMENT NO. 1 TO SEVERANCE AGREEMENT is dated as of December 19,
2000 between WILMINGTON TRUST COMPANY, a Delaware-chartered bank and trust
company (the "Bank), and TED T. CECALA ("Employee").

                                   BACKGROUND

         A. Bank and Employee are parties to a certain Severance Agreement dated
as of February 29, 1996 (the "Severance Agreement").

         B. Bank and Employee desire to amend certain provisions of the
Severance Agreement.

         NOW, THEREFORE, in consideration of the foregoing, and the mutual
covenants contained herein, the parties hereto, intending to be legally bound
hereby, agree as follows:

         1. Amendment

                  a. Subparagraph 5(a). Subparagraph 5(a) of the Severance
         Agreement hereby is amended and restated to read in its entirety as
         follows:

                  "a. Compensation.

                  (1) Bank shall pay Employee within ten days after the
termination of his employment a lump sum payment equal to the aggregate of 100%
of the future Monthly Compensation Employee would have received if he had
continued in Bank's employ until 36 months after the termination of his
employment, discounted to present value at a discount rate equal to the per
annum rate offered on that termination date (or the next preceding date on which
that rate is published) on U.S. Treasury bills with maturities of one and
one-half years.

                  (2) For purposes hereof, the term "Monthly Compensation"
means:

                  (a) The gross salary and wages paid or payable to Employee by
Bank for the month preceding the termination of his or her employment and which
is reportable on Form W-2 or any substitute therefor (unless a reduction in
Employee's base salary preceded Employee's resignation or retirement for Good
Reason, in which case in determining Monthly Compensation Bank shall use
Employee's highest base salary in effect during the twelve-month period before
the termination of his or her employment);

                  (b) Plus one-twelfth of amounts paid or payable by Bank to
Employee in respect of all bonuses and incentive payments for Bank's most
recently completed fiscal year (including, without limitation, Bank's Executive
Incentive Plan and Profit-Sharing Bonus Plan);
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                  (c) Reduced by (i) any amounts imputed under the Internal
Revenue Code of 1986, as amended (the "Code"), and regulations issued pursuant
thereto and (ii) amounts attributable to moving and travel expenses and tuition
payments.

                  For purposes hereof, income Employee realizes from the
exercise of stock options and vacation time that has accrued but not been taken
shall not be considered in determining "Monthly Compensation." "

         b. Subparagraph 5(b). Subparagraph 5(b) of the Severance Agreement
hereby is amended and restated to read in its entirety as follows:

                  "b. Benefits. For three years after the termination of
Employee's employment, at Bank's expense, Employee shall participate in and be
covered by all health, medical, life and disability plans, programs, policies
and arrangements of Bank applicable to employees, whether funded or unfunded;
provided, however, that, if any administrator or insurance carrier contests
Employee's participation in or coverage under that plan, program, policy or
arrangement, then in respect of insurance arrangements, Bank shall, at its own
cost or expense, cause equivalent insurance coverage to be provided and, in
respect of arrangements other than insurance, make cash payments to Employee in
an amount equal to the amount which would have been contributed by Bank with
respect to Employee at the times those amounts would have been contributed; and
provided further that, to the extent Bank has an obligation to provide
continuation coverage under Section 4980(B)(f) of the Code, the period for which
benefits are provided under this Subparagraph 5(b) constitutes a portion of that
continuation coverage. Notwithstanding the foregoing, any payments made to
Employee pursuant hereto, or otherwise, are subject to and conditioned upon
their compliance with 12 U.S.C. Section 1828(k) and any regulations promulgated
thereunder."

                           2. No Other Amendment. Except as expressly modified
hereby, the Severance Agreement remains unchanged and in full force and effect.
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         IN WITNESS WHEREOF, Bank has executed this Amendment No. 1 to Severance
Agreement and caused its seal to be affixed hereto by its officers thereunto
duly authorized and Employee has signed this Amendment No. 1, all as of the date
first written above.

         ATTEST:                            WILMINGTON TRUST COMPANY

         /s/ Gerard A. Chamberlain          /s/ Michael A. DiGregorio
         ---------------------------        -----------------------------------
         [Assistant] Secretary                       (Authorized Officer)

         WITNESS:                           EMPLOYEE:

         /s/ Edsel A. Bittle                /s/ Ted T. Cecala
         ---------------------------        -----------------------------------

                                            Name:  Ted T. Cecala
                                                 ------------------------------

                                            Address:  7 Summitt Lane
                                                      -------------------------
                                                      P.O. Box 55
                                                      -------------------------
                                                      Montchanin, DE  19710
                                                      -------------------------

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