Document:

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                                                                   Exhibit 10.8

Form of Executive Salary Continuation Agreement between Hampden Bank and Richard
L. Debonis, William D. Marsh, III, Robert A. Massey, Robert J. Michel and Glenn
S. Welch.

                  EXECUTIVE SALARY CONTINUATION AGREEMENT THAT
                      SUPERCEDES AND REPLACES THE EXECUTIVE
                  SUPPLEMENTAL RETIREMENT PLAN AGREEMENT DATED
                                 JANUARY 1, 2004

       THIS AGREEMENT, made and entered into this_______ day
of__________________, 2004, by and between Hampden Savings Bank a bank organized
and existing under the laws of the Commonwealth of Massachusetts (hereinafter
referred to as the "Bank"), and _____________ an Executive of the Bank
(hereinafter referred to as the "Executive").

                                   WITNESSETH:

       WHEREAS, the Bank and the Executive are parties to the Executive Salary
Continuation Agreement dated the 1st day of January, 2004 between Hampden
Savings Bank and ________________ that provides for the payment of certain
benefits. This Executive Supplemental Retirement Plan Agreement and the benefits
provided hereunder shall supercede and replace the existing Executive
Supplemental Retirement Plan Agreement and the benefits provided thereby;

       WHEREAS, the Executive has been and continues to be a valued Executive of
the Bank, and is now serving the Bank as its __________;

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       WHEREAS, it is the consensus of the Board of Directors (hereinafter
referred to as the "Board") that the Executive's services to the Bank in the
past have been of exceptional merit and have constituted an invaluable
contribution to the general welfare of the Bank in bringing the Bank to its
present status of operating efficiency and present position in its field of
activity;

       WHEREAS, the Executive's experience, knowledge of the affairs of the
Bank, reputation, and contacts in the industry are so valuable that assurance of
the Executive's continued services is essential for the future growth and
profits of the Bank and it is in the best interests of the Bank to arrange terms
of continued employment for the Executive so as to reasonably assure the
Executive remains in the Bank's employ during the Executive's lifetime or until
the age of retirement;

       WHEREAS, it is the desire of the Bank that the Executive's services be
retained as herein provided;

       WHEREAS, the Executive is willing to continue in the employ of the Bank
provided the Bank agrees to pay the Executive or the Executive's
beneficiary(ies), certain benefits in accordance with the terms and conditions
hereinafter set forth;

       ACCORDINGLY, it is the desire of the Bank and the Executive to enter into
this Agreement under which the Bank will agree to make certain payments to the
Executive at retirement or the Executive's beneficiary(ies) in the event of the
Executive's death pursuant to this Agreement;

       FURTHERMORE, it is the intent of the parties hereto that this Executive
Plan be considered an unfunded arrangement maintained primarily to provide
supplemental retirement benefits for the Executive, and be considered a
non-qualified benefit plan for purposes of the Employee Retirement Income
Security Act of 1974, as amended ("ERISA"). The Executive is fully advised of
the Bank's financial status and has had substantial input in the design and
operation of this benefit plan; and

       NOW, THEREFORE, in consideration of services performed in the past and to
be performed in the future as well as of the mutual promises and covenants
herein contained it is agreed as follows:

I.     EMPLOYMENT

       The Bank agrees to employ the Executive in such capacity as the Bank may
       from time to time determine. The Executive will continue in the employ of
       the Bank in such capacity and with such duties and responsibilities as
       may be assigned to him, and with such compensation as may be determined
       from time to time by the Board of Directors of the Bank.

II.    FRINGE BENEFITS

       The Salary continuation benefits provided by this Agreement are granted
       by the Bank as a fringe benefit to the Executive and are not part of any
       Salary reduction plan or an arrangement deferring a bonus or a Salary
       increase. The Executive has no option to take

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       any current payment or bonus in lieu of these Salary continuation
       benefits except as set forth hereinafter.

III.   RETIREMENT DATE AND NORMAL RETIREMENT AGE

       A.     RETIREMENT DATE:

       If the Executive remains in the continuous employ of the Bank, the
       Executive shall retire from active employment with the Bank on the
       Executive's sixty-fifth (65th) birthday, unless by action of the Board of
       Directors this period of active employment shall be shortened or
       extended.

       B.     NORMAL RETIREMENT AGE:

       Normal Retirement Age shall mean the date on which the Executive attains
       age sixty-five (65).

IV.    RETIREMENT BENEFIT AND POST-RETIREMENT DEATH BENEFIT

       Upon said retirement, the Bank, commencing with the first day of the
       month following the date of such retirement, shall pay the Executive an
       annual benefit equal to Thirty Thousand and //100th Dollars ($30,000.00).
       Said benefit shall be pain in equal monthly installments (1/12th of the
       annual benefit) until the death of the Executive. Upon the death of the
       Executive, if there is a remaining unpaid balance in the liability
       retirement account, then the Bank shall pay a lump sum reduced to present
       value as set forth in Subparagraph XI(K), to the individual or
       individuals the Executive may have designated in writing and filed with
       the Bank, to said beneficiary(ies). In the absence of any effective
       beneficiary designation, any such amounts becoming due and payable upon
       the death of the Executive shall be payable to the duly qualified
       executor or administrator of the Executive's estate. Said payments due
       hereunder shall begin the first day of the second month following the
       decease of the Executive.

V.     DEATH BENEFIT PRIOR TO RETIREMENT

       In the event the Executive should die while actively employed by the Bank
       at any time after the date of this Agreement but prior to the Executive
       attaining the age of sixty-five (65) years (or such later date as may be
       agreed upon), the Bank will pay an annual benefit equal to the accrued
       balance, on the date of death, of the Executive's accrued liability
       retirement account, to such individual or individuals as the Executive
       may have designated in writing and filed with the Bank. In the absence of
       any effective beneficiary designation, any such amounts becoming due and
       payable upon the death of the Executive shall be payable to the duly
       qualified executor or administrator of the Executive's estate. Said
       payment due hereunder shall be made the first day of the second month
       following the decease of the Executive.

VI.    DISABILITY BENEFIT

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       In the event the Executive becomes Disabled (Subparagraph XI [M]) prior
       to any Termination of Service, and the Executive's employment is
       terminated because of such Disability, he shall immediately begin
       receiving the benefits in Subparagraph IV above. Such benefit shall begin
       without regard to the Executive's Normal Retirement Age and the Executive
       shall be one hundred percent (100%) vested in the entire benefit amount.
       If there is a dispute regarding whether the Executive is Disabled, such
       dispute shall be resolved by a physician selected by the Bank and such
       resolution shall be binding upon all parties to this Agreement.

VII.   BENEFIT ACCOUNTING

       The Bank shall account for this benefit using the regulatory accounting
       principles of the Bank's primary federal regulator. The Bank shall
       establish an accrued liability retirement account for the Executive into
       which appropriate reserves shall be accrued.

VIII.  TERMINATION OF EMPLOYMENT

       Subject to Subparagraph VIII (i) hereinbelow, in the event that the
       employment of the Executive shall terminate prior to Normal Retirement
       Age, as provided in Paragraph III, by the Executive's voluntary action,
       or by the Executive's discharge by the Bank without cause, then this
       Agreement shall terminate upon the date of such termination of
       employment. The Bank shall pay to the Executive as severance compensation
       an amount of money equal to the accrued balance, on the date of
       termination, of the Executive's liability reserve account multiplied by
       fifty percent (50%) plus ten percent (10%) times the number of full years
       of employment with the Bank from the Effective Date of this Agreement (to
       a maximum of 100%). This severance compensation shall be paid in one
       hundred eighty (180) equal monthly installments with interest equal to
       the one-year Treasury bill as of the date of termination or paid in a
       lump sum.

       In the event the Executive's death should occur after such severance but
       prior to the completion of the monthly payments provided for in this
       Paragraph VIII, the remaining installments, or a lump sum, at the
       discretion of the Bank, shall be paid to such individual or individuals
       as the Executive may have designated in writing and filed with the Bank.
       In the .absence of any effective beneficiary designation, any such
       amounts shall be payable to the duly qualified executor or administrator
       of the Executive's estate. Said payments due hereunder shall begin the
       first day of the second month following the decease of the Executive.

       (i)    DISCHARGE FOR CAUSE: In the event the Executive shall be
              discharged for cause at any time, all benefits provided herein
              shall be forfeited. The term "for cause" shall mean any of the
              following that result in an adverse effect on the Bank: (i) gross
              negligence or gross neglect; (ii) the commission of a felony or
              gross misdemeanor involving fraud or dishonesty; (iii) the willful
              violation of any law, rule, or regulation (other than a traffic
              violation or similar offense); (iv) an intentional failure to
              perform stated duties; or (v) a breach of fiduciary duty involving
              personal profit. If a

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              dispute arises as to discharge "for cause," such dispute shall be
              resolved by arbitration as set forth in this Executive Plan.

IX.    MUTUAL TO STOCK CONVERSION OR CHANGE OF CONTROL

       Upon a Mutual to Stock Conversion or a Change of Control (as defined in
       Subparagraph XI (L) herein), if the Executive's employment is
       subsequently terminated, except for cause, then the Executive shall
       receive the benefits promised in this Agreement upon attaining Normal
       Retirement Age, as if the Executive had been continuously employed by the
       Bank until said Normal Retirement Age. The Executive will also remain
       eligible for all promised death benefits in this Agreement. In addition,
       no sale, merger, consolidation or conversion of the Bank shall take place
       unless the new or surviving entity expressly acknowledges the obligations
       under this Agreement and agrees to abide by its terms.

X.     RESTRICTIONS ON FUNDING

       The Bank shall have no obligation to set aside, earmark or entrust any
       fund or money with which to pay its obligations under this Executive
       Plan. The Executive, their beneficiary(ies), or any successor in interest
       shall be and remain simply a general creditor of the Bank in the same
       manner as any other creditor having a general claim for matured and
       unpaid compensation.

       The Bank reserves the absolute right, at its sole discretion, to either
       fund the obligations undertaken by this Executive Plan or to refrain from
       funding the same and to determine the extent, nature and method of such
       funding. Should the Bank elect to fund this Executive Plan, in whole or
       in part, through the purchase of life insurance, mutual funds, disability
       policies or annuities, the Bank reserves the absolute right, in its sole
       discretion, to terminate such funding at any time, in whole or in part.
       At no time shall any Executive be deemed to have any lien, right, title
       or interest in any specific funding investment or assets of the Bank.

       If the Bank elects to invest in a life insurance, disability or annuity
       policy on the life of the Executive, then the Executive shall assist the
       Bank by freely submitting to a physical exam and supplying such
       additional information necessary to obtain such insurance or annuities.

XI.    MISCELLANEOUS

       A.     ALIENABILITY AND ASSIGNMENT PROHIBITION:

              Neither the Executive, nor the Executive's surviving spouse, nor
              any other beneficiary(ies) under this Executive Plan shall have
              any power or right to transfer, assign, anticipate, hypothecate,
              mortgage, commute, modify or otherwise encumber in advance any of
              the benefits payable hereunder nor shall any of said benefits be
              subject to seizure for the payment of any debts, judgments,
              alimony or separate maintenance owed by the Executive or the
              Executive's beneficiary(ies), nor be transferable by operation of
              law in the event of bankruptcy, insolvency or

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              otherwise. In the event the Executive or any beneficiary attempts
              assignment, commutation, hypothecation, transfer or disposal of
              the benefits hereunder, the Bank's liabilities shall forthwith
              cease and terminate.

       B.     BINDING OBLIGATION OF THE BANK AND ANY SUCCESSOR IN INTEREST:

              The Bank shall not merge or consolidate into or with another bank
              or sell substantially all of its assets to another bank, firm or
              person until such bank, firm or person expressly agree, in
              writing, to assume and discharge the duties and obligations of the
              Bank under this Executive Plan. This Executive Plan shall be
              binding upon the parties hereto, their successors, beneficiaries,
              heirs and personal representatives.

       C.     AMENDMENT OR REVOCATION:

              Subject to Paragraph XIII, it is agreed by and between the parties
              hereto that, during the lifetime of the Executive, this Executive
              Plan may be amended or revoked at any time or times, in whole or
              in part, by the mutual written consent of the Executive and the
              Bank.

       D.     GENDER:

              Whenever in this Executive Plan words are used in the masculine or
              neuter gender, they shall be read and construed as in the
              masculine, feminine or neuter gender, whenever they should so
              apply.

       E.     EFFECT ON OTHER BANK BENEFIT PLANS:

              Nothing contained in this Executive Plan shall affect the right of
              the Executive to participate in or be covered by any qualified or
              non-qualified pension, profit-sharing, group, bonus or other
              supplemental compensation or fringe benefit plan constituting a
              part of the Bank's existing or future compensation structure.

       F.     HEADINGS:

              Headings and subheadings in this Executive Plan are inserted for
              reference and convenience only and shall not be deemed a part of
              this Executive Plan.

       G.     APPLICABLE LAW:

              The validity and interpretation of this Agreement shall be
              governed by the laws of the Commonwealth of Massachusetts.

       H.     12 U.S.C. SECTION 1828(k):

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              Any payments made to the Executive pursuant to this Executive
              Plan, or otherwise, are subject to and conditioned upon their
              compliance with 12 U.S.C. Section 1828(k) or any regulations
              promulgated thereunder.

       I.     PARTIAL INVALIDITY:

              If any term, provision, covenant, or condition of this Executive
              Plan is determined by an arbitrator or a court, as the case may
              be, to be invalid, void, or unenforceable, such determination
              shall not render any other term, provision, covenant, or condition
              invalid, void, or unenforceable, and the Executive Plan shall
              remain in full force and effect notwithstanding such partial
              invalidity.

       J.     NOT A CONTRACT OF EMPLOYMENT:

              This Agreement shall not be deemed to constitute a contract of
              employment between the parties hereto, nor shall any provision
              hereof restrict the right of the Bank to discharge the Executive,
              or restrict the right of the Executive to terminate employment.

       K.     PRESENT VALUE:

              All present value calculations under this Agreement shall be based
              on the following discount rate:

              Discount Rate:    The discount rate as used in the FASB 87
                                calculations for the Executive Plan.

       L.     MUTUAL TO STOCK CONVERSION OR A CHANGE OF CONTROL:

              Mutual to Stock Conversion shall mean the conversion of the Bank
              from a mutual savings bank to an entity that issues stock and is
              owned by its shareholders. Such Mutual to Stock Conversion shall
              be deemed to be a Change of Control for purposes of this
              Agreement. For the purposes of this Agreement, transfers on
              account of deaths or gifts, transfers between family members or
              transfers to a qualified retirement plan maintained by the Bank
              shall not be considered in determining whether there has been a
              Change of Control. The formation of a mutual holding company, for
              the purposes of this Agreement, is not a change of control.

       M.     DISABILITY AND DISABLED:

              Disability and Disabled shall mean because of injury or sickness:

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              1.     You cannot perform each of the material duties of your
                     regular occupation; or

              2.     You, while unable to perform all of the material duties of
                     your regular occupation on a full-time basis, are:

                     a.     performing at least one of the material duties of
                            your regular occupation or another occupation on a
                            part-time or full-time basis; and

                     b.     earning currently at least twenty percent (20%) less
                            per month than your indexed per-disability earnings
                            due to the same sickness or injury.

XII.   ERISA PROVISION

       A.     NAMED FIDUCIARY AND PLAN ADMINISTRATOR:

              The "Named Fiduciary and Plan Administrator" of this Executive
              Plan shall be Hampden Savings Bank until its resignation or
              removal by the Board. As Named Fiduciary and Plan Administrator,
              the Bank shall be responsible for the management, control and
              administration of the Executive Plan. The Named Fiduciary may
              delegate to others certain aspects of the management and operation
              responsibilities of the Executive Plan including the employment of
              advisors and the delegation of ministerial duties to qualified
              individuals.

       B.     CLAIMS PROCEDURE AND ARBITRATION:

              In the event a dispute arises over benefits under this Executive
              Plan and benefits are not paid to the Executive (or to the
              Executive's beneficiary(ies) in the case of the Executive's death)
              and such claimants feel they are entitled to receive such
              benefits, then a written claim must be made to the Named Fiduciary
              and Plan Administrator named above within sixty (60) days from the
              date payments are refused. The Named Fiduciary and Plan
              Administrator shall review the written claim and if the claim is
              denied, in whole or in part, they shall provide in writing within
              sixty (60) days of receipt of such claim the specific reasons for
              such denial, reference to the provisions of this Executive Plan
              upon which the denial is based and any additional material or
              information necessary to perfect the claim. Such written notice
              shall further indicate the additional steps to be taken by
              claimants if a further review of the claim denial is desired. A
              claim shall be deemed denied if the Named Fiduciary and Plan
              Administrator fail to take any action within the aforesaid
              sixty-day period.

              If claimants desire a second review they shall notify the Named
              Fiduciary and Plan Administrator in writing within sixty (60) days
              of the first claim denial. Claimants may review this Executive
              Plan or any documents relating thereto and submit any written
              issues and comments they may feel appropriate. In their sole
              discretion, the Named Fiduciary and Plan Administrator shall then
              review the

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              second claim and provide a written decision within sixty (60) days
              of receipt of such claim. This decision shall likewise state the
              specific reasons for the decision and shall include reference to
              specific provisions of the Plan Agreement upon which the decision
              is based.

              If claimants continue to dispute the benefit denial based upon
              completed performance of this Executive Plan or the meaning and
              effect of the terms and conditions thereof, then claimants may
              submit the dispute to an arbitrator for final arbitration. The
              arbitrator shall be selected by mutual agreement of the Bank and
              the claimants. The arbitrator shall operate under any generally
              recognized set of arbitration rules. The parties hereto agree that
              they and their heirs, personal representatives, successors and
              assigns shall be bound by the decision of such arbitrator with
              respect to any controversy properly submitted to it for
              determination.

              Where a dispute arises as to the Bank's discharge of the Executive
              "for cause," such dispute shall likewise be submitted to
              arbitration as above described and the parties hereto agree to be
              bound by the decision thereunder.

XIII.  TERMINATION OR MODIFICATION OF AGREEMENT BY REASON OF CHANGES IN THE LAW,
       RULES OR REGULATIONS

              The Bank is entering into this Agreement upon the assumption that
              certain existing tax laws, rules and regulations will continue in
              effect in their current form. If any said assumptions should
              change and said change has a detrimental effect on this Executive
              Plan, then the Bank reserves the right to terminate or modify this
              Agreement accordingly. Upon a Change of Control (Paragraph IX),
              this paragraph shall become null and void effective immediately
              upon said Change of Control.

XIV.   EFFECTIVE DATE

              The Effective Date of the Executive Plan shall be January 1, 2004.

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IN WITNESS WHEREOF, the parties hereto acknowledge that each has carefully read
this Agreement and executed the original thereof on the first day set forth
hereinabove, and that, upon execution, each has received a conforming copy.

                                HAMPDEN SAVINGS BANK
                                Springfield, MA

                                By:
----------------------------       --------------------------------------------
Witness                            (Bank Officer other than Executive)    Title

----------------------------    ---------------------------------------------
Witness                         Executive

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                          BENEFICIARY DESIGNATION FORM
              FOR THE EXECUTIVE SALARY CONTINUATION AGREEMENT THAT
               SUPERCEDES AND REPLACES THE EXECUTIVE SUPPLEMENTAL
                 RETIREMENT PLAN AGREEMENT DATED JANUARY 1, 2004

<Table>
<S>  <C>
I.   PRIMARY DESIGNATION
               (YOU MAY REFER TO THE BENEFICIARY DESIGNATION INFORMATION PRIOR TO COMPLETION.)

     A.   PERSON(S) AS A PRIMARY DESIGNATION:
               (Please indicate the percentage for each beneficiary.)

Name___________________________________ Relationship________________________________ /____________%

Address:___________________________________________________________________________________________
               (Street)                    (City)                   (State)          (Zip)

Name___________________________________ Relationship________________________________ /____________%

Address:___________________________________________________________________________________________
               (Street)                    (City)                   (State)          (Zip)

Name___________________________________ Relationship________________________________ /____________%

Address:___________________________________________________________________________________________
               (Street)                    (City)                   (State)          (Zip)

Name___________________________________ Relationship________________________________ /____________%

Address:___________________________________________________________________________________________
               (Street)                    (City)                   (State)          (Zip)
</Table>

     B.   ESTATE AS A PRIMARY DESIGNATION:

My Primary Beneficiary is The Estate of ___________________________ as set forth
in the last will and testament dated the ________day of ____________, ________
and any codicils thereto.

     C.   TRUST AS A PRIMARY DESIGNATION:

Name of the Trust:_________________________________________________________

Execution Date of the Trust:______/______/______

Name of the Trustee:_______________________________________________________

Beneficiary(ies) of the Trust (please indicate the percentage for each
beneficiary):
________________________________________________________________________________
________________________________________________________________________________

Is this an Irrevocable Life Insurance Trust? _______ Yes _______No
(If yes and this designation is for a Split Dollar agreement, an Assignment of
Rights form should be completed.)

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II.  SECONDARY (CONTINGENT) DESIGNATION

     A.   PERSON(S) AS A SECONDARY (CONTINGENT) DESIGNATION:
          (Please indicate the percentage for each beneficiary.)

<Table>
<S> <C>
Name___________________________________ Relationship________________________________ /____________%

Address:___________________________________________________________________________________________
               (Street)                    (City)                   (State)          (Zip)

Name___________________________________ Relationship________________________________ /____________%

Address:___________________________________________________________________________________________
               (Street)                    (City)                   (State)          (Zip)

Name___________________________________ Relationship________________________________ /____________%

Address:___________________________________________________________________________________________
               (Street)                    (City)                   (State)          (Zip)

Name___________________________________ Relationship________________________________ /____________%

Address:___________________________________________________________________________________________
               (Street)                    (City)                   (State)          (Zip)
</Table>

     B.   ESTATE AS A SECONDARY (CONTINGENT) DESIGNATION:

My Secondary Beneficiary is The Estate of _________________________ as set forth
in the last will and testament dated the ________day of ____________, ________
and any codicils thereto.

     C.   TRUST AS A SECONDARY (CONTINGENT) DESIGNATION:

Name of the Trust:______________________________________________________________

Execution Date of the Trust:______/______/______

Name of the Trustee:____________________________________________________________

Beneficiary(ies) of the Trust (please indicate the percentage for each
beneficiary):
________________________________________________________________________________
________________________________________________________________________________

All sums payable under the Executive Salary Continuation Plan Agreement that
Supercedes and Replaces the Executive Supplemental Retirement Plan Agreement
dated January 1, 2004, by reason of my death shall be paid to the Primary
Beneficiary(ies), if he or she survives me, and if no Primary Beneficiary(ies)
shall survive me, then to the Secondary (Contingent) Beneficiary(ies). This
beneficiary designation is valid until the participant notifies the bank in
writing.

-------------------------                      -----------------------
Executive                                      Date

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Hampden Bank entered into executive salary continuation agreements with Messrs.
Debonis, Marsh, Massey, Michel and Welch which are substantially identical in
all material respects (except as noted below) as the attached Form of Executive
Salary Continuation Agreement.

PARTIES TO EXECUTIVE SALARY CONTINUATION AGREEMENT:
--------------------------------------------------

Hampden Bank and Richard L. Debonis
Hampden Bank and William D. Marsh, III
Hampden Bank and Robert A. Massey
Hampden Bank and Robert J. Michel (1)
Hampden Bank and Glenn S. Welch

(1)    Mr. Michel's Executive Salary Continuation Agreement is substantially
       identical to Exhibit 10.8 except as to the Normal Retirement Age,
       which is 62.

                                     13<Page>

                                                                  Exhibit 10.9

Exhibit 10.9: Form of Trustee Supplemental Retirement Plan Agreement between
Hampden Bank and Donald R. Dupre, Thomas V. Foley, Francis V. Grimaldi,
Judith E. Kennedy, Stanley Kowalski, Jr., Kathleen O'Brien Moore, Mary Ellen
Scott, James Shriver, Eddie Wright and Stuart F. Young.

                 TRUSTEE SUPPLEMENTAL RETIREMENT PLAN AGREEMENT

     THIS AGREEMENT is made and entered into this ____ day of _____________,
2003, by and between Hampden Savings Bank, a bank organized and existing under
the laws of the Commonwealth of Massachusetts (hereinafter referred to as the
"Bank"), and ____________________, a member of the Board of Directors of the
Bank (hereinafter referred to as the "Trustee").

     WHEREAS, the Trustee is now serving on the Board of the Bank (hereinafter
referred to as the "Board") and has for many years faithfully served the Bank.
It is the consensus of the Board of Directors that the Trustee's services have
been of exceptional merit, in excess of the compensation paid and an invaluable
contribution to the profits and position of the Bank in its field of activity.
The Board further believes that the Trustee's experience, knowledge of corporate
affairs, reputation and industry contacts are of such value, and the Trustee's
continued services so essential to the Bank's future growth and profits, that it
would suffer severe financial loss should the Trustee terminate his/her service
on the Board;

     ACCORDINGLY, the Board has adopted the Hampden Savings Bank Trustee
Supplemental Retirement Plan (hereinafter referred to as the "Trustee Plan") and
it is the desire of the Bank and the Trustee to enter into this Agreement under
which the Bank will agree to make certain payments to the Trustee upon the
Trustee's retirement and to the Trustee's beneficiary(ies) in the event of the
Trustee's death pursuant to the Trustee Plan;

     FURTHERMORE, it is the intent of the parties hereto that this Trustee Plan
be considered an unfunded arrangement maintained primarily to provide
supplemental retirement benefits for the Trustee, and to be considered a
non-qualified benefit plan for purposes of the Employee Retirement Income
Security Act of 1974, as amended ("ERISA"). The Trustee is fully advised of the
Bank's financial status and has had substantial input in the design and
operation of this benefit plan; and

     NOW THEREFORE, in consideration of services the Trustee has performed in
the past and those to be performed in the future, and based upon the mutual
promises and covenants herein contained, the Bank and the Trustee agree as
follows:

I.   DEFINITIONS

     A.   EFFECTIVE DATE:

          The Effective Date of the Trustee Plan shall be __________________,
          2003.

     B.   PLAN YEAR:

          Any reference to the "Plan Year" shall mean a calendar year from
          January 1st to December 31st. In the year of implementation, the term
          "Plan Year" shall mean the period from the Effective Date to December
          31st of the year of the Effective Date.

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     C.   RETIREMENT DATE:

          Retirement Date shall mean retirement from service with the Bank which
          becomes effective on the first day of the calendar month following the
          month in which the Trustee reaches age seventy (70) or such later date
          as the Trustee may actually retire.

     D.   TERMINATION OF SERVICE:

          Termination of Service shall mean the Trustee's voluntary resignation
          from service on the Board or failure to be re-elected to the Board,
          prior to the Normal Retirement Age (Subparagraph I [J]).

     E.   PRE-RETIREMENT ACCOUNT:

          A Pre-Retirement Account shall be established as a liability reserve
          account on the books of the Bank for the benefit of the Trustee. Prior
          to the Trustee's Termination of Service, such liability reserve
          account shall be increased or decreased each Plan Year, until the
          aforestated event occurs, by the Index Retirement Benefit
          (Subparagraph I [F]).

     F.   INDEX RETIREMENT BENEFIT:

          The Index Retirement Benefit for each Trustee in the Trustee Plan for
          each Plan Year shall be equal to the excess (if any) of the Index
          (Subparagraph I [G]) for that Plan Year over the Cost of Funds Expense
          (Subparagraph I [H]) for that Plan Year

     G.   INDEX:

          The Index for any Plan Year shall be the aggregate annual after-tax
          income from the life insurance contract(s) described hereinbelow as
          defined by FASB Technical Bulletin 85-4. This Index shall be applied
          as if such insurance contracts were purchased on the Effective Date of
          the Trustee Plan.

          Insurance Company:
          Policy Form:
          Policy Name:
          Insured's Age and Sex:
          Riders:
          Ratings:
          Option:
          Face Amount:
          Premiums Paid:
          Number of Premium Payments:
          Assumed Purchase Date:

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          If such contracts of life insurance are actually purchased by the
          Bank, then the actual policies as of the dates they were actually
          purchased shall be used in calculations under this Trustee Plan. If
          such contracts of life insurance are not purchased or are subsequently
          surrendered or lapsed, then the Bank shall receive annual policy
          illustrations that assume the above-described policies were purchased,
          or had not subsequently surrendered or lapsed. Said illustrations
          shall be received from the respective insurance companies and will
          indicate the increase in policy values for purposes of calculating the
          amount of the Index.

          In either case, references to the life insurance contracts are merely
          for purposes of calculating a benefit. The Bank has no obligation to
          purchase such life insurance and, if purchased, the Trustee and the
          Trustee's beneficiary(ies) shall have no ownership interest in such
          policy and shall always have no greater interest in the benefits under
          this Trustee Plan than that of an unsecured creditor of the Bank.

     H.   COST OF FUNDS EXPENSE:

          The Cost of Funds Expense for any Plan Year shall be calculated by
          taking the sum of the amount of premiums for the life insurance
          policies described in the definition of "Index" plus the amount of any
          after-tax benefits paid to the Trustee pursuant to the Trustee Plan
          (Paragraph II hereinafter) plus the amount of all previous years'
          after-tax Cost of Funds Expense, and multiplying that sum by the
          Average After-Tax Cost of Funds (Subparagraph I [K]).

     I.   MUTUAL TO STOCK CONVERSION OR A CHANGE OF CONTROL:

          Mutual to Stock Conversion shall mean the conversion of the Bank from
          a mutual savings bank to an entity that issues stock and is owned by
          its shareholders. Such Mutual to Stock Conversion shall be deemed to
          be a Change of Control for purposes of this Agreement. For the
          purposes of this Trustee Plan, transfers on account of deaths or
          gifts, transfers between family members or transfers to a qualified
          retirement plan maintained by the Bank shall not be considered in
          determining whether there has been a Change of Control. The formation
          of a mutual holding company, for the purposes of this Agreement, is
          not a change of control.

     J.   NORMAL RETIREMENT AGE:

          Normal Retirement Age shall mean the date on which the Trustee attains
          age seventy (70)

     K.   AVERAGE AFTER-TAX COST OF FUNDS:

          Average After-Tax Cost of Funds means, at any particular time, a
          ratio, the numerator of which is the total annualized interest expense
          as set forth on Schedule RI-Income Statement of the Bank's most
          recently filed Consolidated Report of Condition and Income (the "Call
          Report") and the denominator of which is an amount equal to: (i) the
          amount of deposits in domestic offices (sum

                                        3
<Page>

          of total of columns A and C from Schedule RC-E of the Call Report),
          plus (ii) the amount of Federal funds purchased and securities sold
          under agreements to repurchase, as set forth on Schedule RC-Balance
          Sheet of the Call Report, times the inverse of the Bank's combined
          marginal income tax rate.

II.  INDEX BENEFITS

     A.   RETIREMENT BENEFITS:

          Subject to Subparagraph II (D) hereinafter, a Trustee who remains on
          the Board until the Normal Retirement Age (Subparagraph I [J]) shall
          be entitled to receive the balance in the Pre-Retirement Account in
          one hundred eighty (180)* equal monthly installments commencing thirty
          (30) days following the Trustee's retirement. In addition to these
          payments and commencing in conjunction therewith, the Index Retirement
          Benefit (Subparagraph I [F]) for each Plan Year subsequent to the
          Trustee's retirement, and including the remaining portion of the Plan
          Year in which the Trustee retires, shall be paid to the Trustee until
          the Trustee's death. Notwithstanding the foregoing, the amount of the
          aforestated payments shall not exceed fifty percent (50%) of the
          Trustee's annual fee as of the date of the Trustee's retirement.

     B.   TERMINATION OF SERVICE:

          Subject to Subparagraph II (D), should a Trustee suffer a Termination
          of Service the Trustee shall be entitled to receive fifty percent
          (50%), plus ten percent (10%) times the number of full years of
          service on the Board of the Bank from the Effective Date of this
          Agreement (to a maximum of 100%), times the balance in the
          Pre-Retirement Account payable to the Trustee in one hundred eighty
          (180)* equal monthly installments commencing thirty (30) days
          following the Trustee's Normal Retirement Age (Subparagraph I [J]). In
          addition to these payments and commencing in conjunction therewith,
          fifty percent (50%) plus ten (10%) times the number of full years of
          service on the Board with the Bank from the Effective Date of this
          Agreement (to a maximum of 100%), times the Index Retirement Benefit
          for each Plan Year subsequent to the year in which the Trustee attains
          Normal Retirement Age, and including the remaining portion of the Plan
          Year in which the Trustee attains Normal Retirement Age, shall be paid
          to the Trustee until the Trustee's death. Notwithstanding the
          foregoing, the amount of the aforestated payments shall not exceed
          fifty percent (50%) of the Trustee's annual fee as of the date of the
          Trustee's retirement.

                                        4
<Page>

     C.   DEATH:

          Should the Trustee die while there is a balance in the Trustee's
          Pre-Retirement Account (Subparagraph I [E]), said unpaid balance shall
          be paid in a lump sum to the individual or individuals the Trustee may
          have designated in writing and filed with the Bank. In the absence of
          any effective beneficiary designation, the unpaid balance shall be
          paid as set forth herein to the duly qualified executor or
          administrator of the Trustee's estate. Said payment due hereunder
          shall be made the first day of the second month following the decease
          of the Trustee.

     D.   DISCHARGE FOR CAUSE:

          Should the Trustee be Discharged for Cause at any time, all benefits
          under this Trustee Plan shall be forfeited. The term "for cause" shall
          mean any of the following that result in an adverse effect on the
          Bank: (i) gross negligence or gross neglect; (ii) the commission of a
          felony or gross misdemeanor involving moral turpitude, fraud, or
          dishonesty; (iii) the willful violation of any law, rule, or
          regulation (other than a traffic violation or similar offense); (iv)
          an intentional failure to perform stated duties; or (v) a breach of
          fiduciary duty involving personal profit. If a dispute arises as to
          discharge "for cause," such dispute shall be resolved by arbitration
          as set forth in this Trustee Plan.

     E.   DEATH BENEFIT:

          Except as set forth above, there is no death benefit provided under
          this Agreement.

     F.   DISABILITY BENEFIT:

          In the event the Trustee becomes disabled prior to any Termination of
          Service, and the Trustee's service is terminated because of such
          disability, he shall immediately begin receiving the benefits in
          Subparagraph II (A) above. Such benefit shall begin without regard to
          the Trustee's Normal Retirement Age and the Trustee shall be one
          hundred percent (100%) vested in the entire benefit amount. If there
          is a dispute regarding whether the Trustee is disabled, such dispute
          shall be resolved by a physician selected by the Bank and such
          resolution shall be binding upon all parties to this Agreement.

III. RESTRICTIONS UPON FUNDING

     The Bank shall have no obligation to set aside, earmark or entrust any fund
     or money with which to pay its obligations under this Trustee Plan. The
     Trustees, their beneficiary(ies), or any successor in interest shall be and
     remain simply a general creditor of the Bank in the same manner as any
     other creditor having a general claim for matured and unpaid compensation.

                                        5
<Page>

     The Bank reserves the absolute right, at its sole discretion, to either
     fund the obligations undertaken by this Trustee Plan or to refrain from
     funding the same and to determine the extent, nature and method of such
     funding. Should the Bank elect to fund this Trustee Plan, in whole or in
     part, through the purchase of life insurance, mutual funds, disability
     policies or annuities, the Bank reserves the absolute right, in its sole
     discretion, to terminate such funding at any time, in whole or in part. At
     no time shall any Trustee be deemed to have any lien nor right, title or
     interest in or to any specific funding investment or to any assets of the
     Bank.

     If the Bank elects to invest in a life insurance, disability or annuity
     policy upon the life of the Trustee, then the Trustee shall assist the Bank
     by freely submitting to a physical exam and supplying such additional
     information necessary to obtain such insurance or annuities.

IV.  MUTUAL TO STOCK CONVERSION OR CHANGE OF CONTROL

     Upon a Mutual to Stock Conversion or a Change of Control (as defined in
     Subparagraph I (I) herein), if the Trustee's service is subsequently
     terminated, except for cause, then the Trustee shall receive the benefits
     promised in this Agreement upon attaining Normal Retirement Age, as if he
     had been continuously serving the Bank until said Normal Retirement Age.
     The Trustee will also remain eligible for all promised death benefits in
     this Agreement. In addition, no sale, merger, consolidation or conversion
     of the Bank shall take place unless the new or surviving entity expressly
     acknowledges the obligations under this Agreement and agrees to abide by
     its terms.

V.   MISCELLANEOUS

     A.   ALIENABILITY AND ASSIGNMENT PROHIBITION:

          Neither the Trustee, nor the Trustee's surviving spouse, nor any other
          beneficiary(ies) under this Trustee Plan shall have any power or right
          to transfer, assign, anticipate, hypothecate, mortgage, commute,
          modify or otherwise encumber in advance any of the benefits payable
          hereunder nor shall any of said benefits be subject to seizure for the
          payment of any debts, judgments, alimony or separate maintenance owed
          by the Trustee or the Trustee's beneficiary(ies), nor be transferable
          by operation of law in the event of bankruptcy, insolvency or
          otherwise. In the event the Trustee or any beneficiary attempts
          assignment, commutation, hypothecation, transfer or disposal of the
          benefits hereunder, the Bank's liabilities shall forthwith cease and
          terminate.

     B.   BINDING OBLIGATION OF THE BANK AND ANY SUCCESSOR IN INTEREST:

          The Bank shall not merge or consolidate into or with another bank or
          sell substantially all of its assets to another bank, firm or person
          until such bank, firm or person expressly agree, in writing, to assume
          and discharge the duties and obligations of the Bank under this
          Trustee Plan. This Trustee Plan shall be binding upon the parties
          hereto, their successors, beneficiaries, heirs and personal
          representatives.

                                        6
<Page>

     C.   AMENDMENT OR REVOCATION:

          Subject to Paragraph VII, it is agreed by and between the parties
          hereto that, during the lifetime of the Trustee, this Trustee Plan may
          be amended or revoked at any time or times, in whole or in part, by
          the mutual written consent of the Trustee and the Bank.

     D.   GENDER:

          Whenever in this Trustee Plan words are used in the masculine or
          neuter gender, they shall be read and construed as in the masculine,
          feminine or neuter gender, whenever they should so apply.

     E.   EFFECT ON OTHER BANK BENEFIT PLANS:

          Nothing contained in this Trustee Plan shall affect the right of the
          Trustee to participate in or be covered by any qualified or
          non-qualified pension, profit-sharing, group, bonus or other
          supplemental compensation or fringe benefit plan constituting a part
          of the Bank's existing or future compensation structure.

     F.   HEADINGS:

          Headings and subheadings in this Trustee Plan are inserted for
          reference and convenience only and shall not be deemed a part of this
          Trustee Plan.

     G.   APPLICABLE LAW:

          The validity and interpretation of this Agreement shall be governed by
          the laws of the Commonwealth of Massachusetts.

     H.   12 U.S.C.SECTION 1828(K):

          Any payments made to the Trustee pursuant to this Trustee Plan, or
          otherwise, are subject to and conditioned upon their compliance with
          12 U.S.C.SECTION 1828(k) or any regulations promulgated thereunder.

     I.   PARTIAL INVALIDITY:

          If any term, provision, covenant, or condition of this Trustee Plan is
          determined by an arbitrator or a court, as the case may be, to be
          invalid, void, or unenforceable, such determination shall not render
          any other term, provision, covenant, or condition invalid, void, or
          unenforceable, and the Trustee Plan shall remain in full force and
          effect notwithstanding such partial invalidity.

                                        7
<Page>

     J.   CONTINUATION AS TRUSTEE:

          Neither this Agreement nor the payment of any benefits thereunder
          shall be construed as giving to the Trustee any right to be retained
          as a member of the Board of Directors of the Bank.

VI.  ERISA PROVISION

     A.   NAMED FIDUCIARY AND PLAN ADMINISTRATOR:

          The "Named Fiduciary and Plan Administrator" of this Trustee Plan
          shall be Hampden Savings Bank until its resignation or removal by the
          Board. As Named Fiduciary and Plan Administrator, the Bank shall be
          responsible for the management, control and administration of the
          Trustee Plan. The Named Fiduciary may delegate to others certain
          aspects of the management and operation responsibilities of the
          Trustee Plan including the employment of advisors and the delegation
          of ministerial duties to qualified individuals.

     B.   CLAIMS PROCEDURE AND ARBITRATION:

          In the event a dispute arises over benefits under this Trustee Plan
          and benefits are not paid to the Trustee (or to the Trustee's
          beneficiary(ies) in the case of the Trustee's death) and such
          claimants feel they are entitled to receive such benefits, then a
          written claim must be made to the Named Fiduciary and Plan
          Administrator named above within sixty (60) days from the date
          payments are refused. The Named Fiduciary and Plan Administrator shall
          review the written claim and if the claim is denied, in whole or in
          part, they shall provide in writing within sixty (60) days of receipt
          of such claim the specific reasons for such denial, reference to the
          provisions of this Trustee Plan upon which the denial is based and any
          additional material or information necessary to perfect the claim.
          Such written notice shall further indicate the additional steps to be
          taken by claimants if a further review of the claim denial is desired.
          A claim shall be deemed denied if the Named Fiduciary and Plan
          Administrator fail to take any action within the aforesaid sixty-day
          period.

          If claimants desire a second review they shall notify the Named
          Fiduciary and Plan Administrator in writing within sixty (60) days of
          the first claim denial. Claimants may review this Trustee Plan or any
          documents relating thereto and submit any written issues and comments
          it may feel appropriate. In their sole discretion, the Named Fiduciary
          and Plan Administrator shall then review the second claim and provide
          a written decision within sixty (60) days of receipt of such claim.
          This decision shall likewise state the specific reasons for the
          decision and shall include reference to specific provisions of the
          Plan Agreement upon which the decision is based.

          If claimants continue to dispute the benefit denial based upon
          completed performance of this Trustee Plan or the meaning and effect
          of the terms and conditions thereof, then claimants may submit the
          dispute to an arbitrator for final

                                        8
<Page>

          arbitration. The arbitrator shall be selected by mutual agreement of
          the Bank and the claimants. The arbitrator shall operate under any
          generally recognized set of arbitration rules. The parties hereto
          agree that they and their heirs, personal representatives, successors
          and assigns shall be bound by the decision of such arbitrator with
          respect to any controversy properly submitted to it for determination.

          Where a dispute arises as to the Bank's discharge of the Trustee "for
          cause," such dispute shall likewise be submitted to arbitration as
          above described and the parties hereto agree to be bound by the
          decision thereunder.

VII. TERMINATION OR MODIFICATION OF AGREEMENT BY REASON OF CHANGES IN THE LAW,
     RULES OR REGULATIONS

     The Bank is entering into this Agreement upon the assumption that certain
     existing tax laws, rules and regulations will continue in effect in their
     current form. If any said assumptions should change and said change has a
     detrimental effect on this Trustee Plan, then the Bank reserves the right
     to terminate or modify this Agreement accordingly. Upon a Change of Control
     (Subparagraph I [I]), this paragraph shall become null and void effective
     immediately upon said Change of Control.

     IN WITNESS WHEREOF, the parties hereto acknowledge that each has carefully
read this Agreement and executed the original thereof on the first day set forth
hereinabove, and that, upon execution, each has received a conforming copy.

                                                 HAMPDEN SAVINGS BANK
                                                 Springfield, MA

----------------------------                     By:----------------------------
Witness                                          Title

----------------------------                     -------------------------------
Witness                                          Trustee

                                        9
<Page>

                          BENEFICIARY DESIGNATION FORM
             FOR THE TRUSTEE SUPPLEMENTAL RETIREMENT PLAN AGREEMENT

<Table>
<S>  <C>
I.   PRIMARY DESIGNATION
          (YOU MAY REFER TO THE BENEFICIARY DESIGNATION INFORMATION PRIOR TO COMPLETION.)

     A.   PERSON(S) AS A PRIMARY DESIGNATION:
          (Please indicate the percentage for each beneficiary.)

     Name_________________________ Relationship__________________________________________ /____________%

     Address:___________________________________________________________________________________________
                    (Street)                       (City)                (State)          (Zip)

     Name_________________________ Relationship__________________________________________ /____________%

     Address:___________________________________________________________________________________________
                    (Street)                       (City)                (State)          (Zip)

     Name_________________________ Relationship__________________________________________ /____________%

     Address:___________________________________________________________________________________________
                    (Street)                       (City)                (State)          (Zip)

     Name_________________________ Relationship__________________________________________ /____________%

     Address:___________________________________________________________________________________________
                    (Street)                       (City)                (State)          (Zip)
</Table>

     B.   ESTATE AS A PRIMARY DESIGNATION:

     My Primary Beneficiary is The Estate of ______________________ as set forth
     in the last will and testament dated the ______ day of ______________, ____
     and any codicils thereto.

     C.   TRUST AS A PRIMARY DESIGNATION:

     Name of the Trust:_________________________________________________________

     Execution Date of the Trust:______/______/______

     Name of the Trustee:_______________________________________________________

     Beneficiary(ies) of the Trust (please indicate the percentage for each
     beneficiary):
     ___________________________________________________________________________
     ___________________________________________________________________________

     Is this an Irrevocable Life Insurance Trust? _______ Yes _______No
     (If yes and this designation is for a Split Dollar agreement, an Assignment
     of Rights form should be completed.)

                                       10
<Page>

II.  SECONDARY (CONTINGENT) DESIGNATION

     A.   PERSON(S) AS A SECONDARY (CONTINGENT) DESIGNATION:
          (Please indicate the percentage for each beneficiary.)

<Table>
     <S>                           <C>
     Name_________________________ Relationship__________________________________________ /____________%

     Address:___________________________________________________________________________________________
                    (Street)                       (City)                (State)          (Zip)

     Name_________________________ Relationship__________________________________________ /____________%

     Address:___________________________________________________________________________________________
                    (Street)                       (City)                (State)          (Zip)

     Name_________________________ Relationship__________________________________________ /____________%

     Address:___________________________________________________________________________________________
                    (Street)                       (City)                (State)          (Zip)

     Name_________________________ Relationship__________________________________________ /____________%

     Address:___________________________________________________________________________________________
                    (Street)                       (City)                (State)          (Zip)
</Table>

     B.   ESTATE AS A SECONDARY (CONTINGENT) DESIGNATION:

     My Secondary Beneficiary is The Estate of _________________________ as set
     forth in my last will and testament dated the _____ day of _______________,
     _____ and any codicils thereto.

     C.   TRUST AS A SECONDARY (CONTINGENT) DESIGNATION:

     Name of the Trust:_________________________________________________________

     Execution Date of the Trust:______/______/______

     Name of the Trustee:_______________________________________________________

     Beneficiary(ies) of the Trust (please indicate the percentage for each
     beneficiary):
     ___________________________________________________________________________
     ___________________________________________________________________________

All sums payable under the Trustee Supplemental Retirement Plan Agreement by
reason of my death shall be paid to the Primary Beneficiary(ies), if he or she
survives me, and if no Primary Beneficiary(ies) shall survive me, then to the
Secondary (Contingent) Beneficiary(ies). This beneficiary designation is valid
until the participant notifies the bank in writing.

-------------------------                                -----------------------
Participant                                              Date

                                       11

<Page>

Hampden Bank entered into supplemental retirement plan agreements with
Messrs. Dupre, Foley, Grimaldi, Kowalski, Shriver, Wright and Young, as well
as Ms. Kennedy, Ms. Moore and Ms. Scott, which are substantially identical in
all material respects (except as noted below) as the attached Form of Trustee
Supplemental Retirement Plan Agreement.

PARTIES TO TRUSTEE SUPPLEMENTAL RETIREMENT PLAN AGREEMENT:
---------------------------------------------------------

Hampden Bank and Donald R. Dupre (1)
Hampden Bank and Thomas V. Foley (2)
Hampden Bank and Francis V. Grimaldi (3)
Hampden Bank and Judith E. Kennedy
Hampden Bank and Stanley Kowalski, Jr.
Hampden Bank and Kathleen O'Brien Moore
Hampden Bank and Mary Ellen Scott
Hampden Bank and James Shriver (4)
Hampden Bank and Eddie Wright (5)
Hampden Bank and Stuart F. Young

(1)  Mr. Dupre's Trustee Supplemental Retirement Plan Agreement is substantially
     identical to Exhibit 10.9, except as to the Normal Retirement Age, which
     is 76, and the amount of the monthly installments in which the
     Pre-Retirement Account is paid out at Normal Retirement Age, which is 120.

(2)  Mr. Foley's Trustee Supplemental Retirement Plan Agreement is substantially
     identical to Exhibit 10.9, except as to the amount of the monthly
     installments in which the Pre-Retirement Account is paid out at Normal
     Retirement Age, which is 144.

(3)  Mr. Grimaldi's Trustee Supplemental Retirement Plan Agreement is
     substantially identical to Exhibit 10.9, except as to the Normal Retirement
     Age, which is 77, and the amount of the monthly installments in which the
     Pre-Retirement Account is paid out at Normal Retirement Age, which is 120.

(4)  Mr. Shriver's Trustee Supplemental Retirement Plan Agreement is
     substantially identical to Exhibit 10.9, except as to the Normal Retirement
     Age, which is 71, and the amount of the monthly installments in which the
     Pre-Retirement Account is paid out at Normal Retirement Age, which is 120.

(5)  Mr. Wright's Trustee Supplemental Retirement Plan Agreement is
     substantially identical to Exhibit 10.9, except as to the Normal Retirement
     Age, which is 75, and the amount of the monthly installments in which the
     Pre-Retirement Account is paid out at Normal Retirement Age, which is 120.

                                       12

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