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                                                                     Exhibit 4.1

                SECOND AMENDMENT TO SHAREHOLDER RIGHTS AGREEMENT

         THE SECOND AMENDMENT TO SHAREHOLDER RIGHTS AGREEMENT (the "Amendment"),
dated as of July 29, 2003, is made by and between Community Bancorp, Inc., a
Massachusetts corporation, (the "Company") and Cambridge Trust Company, as
Rights Agent (the "Rights Agent"). The Company and the Rights Agent may be
individually referred to herein as a "Party" and collectively, as the "Parties".

         WHEREAS, the Parties entered into a Shareholder Rights Agreement dated
May 24, 1996, as amended February 15, 2000 (the "Agreement"). Capitalized terms
not otherwise defined herein shall have the meaning ascribed to such terms in
the Agreement.

         WHEREAS, the Company, Citizens Financial Group, Inc. a Delaware
corporation, and Citizens Bank of Massachusetts, a Massachusetts trust company
(the "Acquirer"), are entering into an Agreement and Plan of Merger, dated as of
the date hereof (as amended or supplemented from time to time, the "Merger
Agreement"), pursuant to which a wholly owned subsidiary of the Acquirer (the
"Merger Sub") shall be merged with and into the Company with the Company
surviving the merger.

         WHEREAS, the Board of Directors of the Company has determined that an
amendment to the Agreement as set forth herein, prior to entering into the
Merger Agreement, is desirable and in the best interests of the Company and its
stockholders.

         WHEREAS, pursuant to Section 26 of the Agreement, the Company has
directed the Rights Agent to join this Amendment.

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

         1. AMENDMENT OF SECTION 1(a). The definition of "Acquiring Person" is
hereby amended by adding the following to the end of the first sentence thereof:

               , or (v) Citizens Bank of Massachusetts, a Massachusetts bank
               ("Citizens") nor any of its Affiliates or Associates by reason
               of: (A) the approval, execution, delivery and performance of the
               Agreement and Plan of Merger, dated as of July 30, 2003, by and
               between the Company and Citizens (as amended or supplemented from
               time to time, the

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               "Merger Agreement") or the consummation of any other transaction
               to be effected thereby (including any acquisition of Company
               Common Stock contemplated by the Merger Agreement), or (B) the
               execution of any and all Stockholder Agreements between any
               holder of Common Stock of the Company and Citizens, whereby the
               holders of Company Common Stock agree to vote their shares in
               favor of the Merger Agreement.

         Section 1(a) shall also be amended to replace the second sentence
thereof with the following:

               The Persons described in clauses (i) through (v) above are
               referred to herein as "Exempt Persons."

         2. AMENDMENT TO SECTION 1(s). The definition of "Stock Acquisition
Date" in Section 1(s) is hereby amended by inserting the following sentence at
the end thereof:

               Notwithstanding anything in this Agreement to the contrary, a
               Stock Acquisition Date shall not be deemed to have occurred as
               the result of: (A) the public announcement, approval, execution,
               delivery and performance of the Merger Agreement or the
               consummation of any other transaction to be effected thereby
               (including any acquisition of Company Common Stock contemplated
               by the Merger Agreement), or (B) the execution of any and all
               Stockholder Agreements between any holder of Common Stock of the
               Company and Citizens, whereby the holders of Company Common Stock
               agree to vote their shares in favor of the Merger Agreement.

         3. AMENDMENT TO SECTION 1(u). The definition of "Triggering Event" in
Section 1(u) of the Agreement is hereby deleted in its entirety and replaced
with the following:

               (u) "TRIGGERING EVENT" shall mean any Section 11(a)(ii) Event or
               any Section 13 Event, provided that neither the approval,
               execution, delivery and performance of the Merger Agreement and
               the consummation of any other transaction to be effected thereby
               (including any acquisition of Company Common Stock contemplated
               by the Merger Agreement) nor the execution of any and all
               Stockholder

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               Agreements between any holder of Common Stock of the Company and
               Citizens, whereby the holders of Company Common Stock agree to
               vote their shares in favor of the Merger Agreement, shall be
               deemed to be a Triggering Event.

         4. AMENDMENT TO SECTION 3(a). Section 3(a) of the Agreement is hereby
amended by inserting the following sentence immediately after the last sentence
thereof:

               Notwithstanding anything in this Agreement to the contrary, a
               Distribution Date shall not be deemed to have occurred by reason
               of: (i) the public announcement, approval, execution, delivery
               and performance of the Merger Agreement or the consummation of
               any other transaction to be effected thereby (including any
               acquisition of Company Common Stock contemplated by the Merger
               Agreement), or (ii) the execution of any and all Stockholder
               Agreements between any holder of Common Stock of the Company and
               Citizens, whereby the holders of Company Common Stock agree to
               vote their shares in favor of the Merger Agreement.

         5. AMENDMENT TO SECTION 11(a)(ii). Section 11(a)(ii) of the Agreement
is hereby amended by adding the following sentence at the end thereof:

               Notwithstanding anything in this Agreement to the contrary,
               neither the approval, execution, delivery and performance of the
               Merger Agreement and the consummation of any other transaction to
               be effected thereby (including any acquisition of Company Common
               Stock contemplated by the Merger Agreement) nor the execution of
               any and all Stockholder Agreements between any holder of Common
               Stock of the Company and Citizens, whereby the holders of Company
               Common Stock agree to vote their shares in favor of the Merger
               Agreement, shall cause the Rights to be adjusted or become
               exercisable in accordance with this Section 11(a)(ii), or to be a
               Section 11(a)(ii) Event.

         6. AMENDMENT TO SECTION 13. The following Section 13(e) is hereby added
after Section 13(d):

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               (e) Notwithstanding anything contained in the Agreement to the
               contrary, the provisions of this Section 13 shall not apply to:
               (i) the approval, execution, delivery and performance of the
               Merger Agreement or the consummation of any other transaction to
               be effected thereby (including any acquisition of Company Common
               Stock contemplated by the Merger Agreement), or (ii) the
               execution of any and all Stockholder Agreements between any
               holder of Common Stock of the Company and Citizens, whereby the
               holders of Company Common Stock agree to vote their shares in
               favor of the Merger Agreement, and shall not be deemed to be a
               Section 13 Event.

         7. ADDITIONAL AMENDMENT. The following Section 34 is hereby added after
Section 33:

               Section 34. Notwithstanding anything contained in this Agreement
               to the contrary, this Agreement and the Rights shall terminate
               and be of no further force and effect immediately prior to the
               Effective Time (as defined in the Merger Agreement).

         8. OTHER PROVISIONS UNAFFECTED. This Amendment shall be deemed to be in
full force and effect immediately prior to the execution and delivery of the
Merger Agreement. Except as expressly modified herein, all arrangements,
agreements, terms, conditions and provisions of the Agreement remain in full
force and effect, and this Amendment and the Agreement, as hereby modified,
shall constitute one and the same instrument.

         9. MISCELLANEOUS.

         a. COUNTERPARTS. This Amendment may be executed in any number of
counterparts, and each of such counterparts shall for all purposes be deemed to
be an original, and all such counterparts shall together constitute but one and
the same instrument.

         b. GOVERNING LAW. This Amendment, the Agreement, each Right and each
Right Certificate issued hereunder or thereunder shall be deemed to be a
contract made under the laws of the Commonwealth of Massachusetts and for all
purposes shall be governed by and construed and in accordance with the laws of
such Commonwealth applicable to contracts to be made and performed entirely
within such Commonwealth.

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         c. FURTHER ASSURANCES. Each party shall cooperate and take such action
as may be reasonably requested by another Party in order to carry out the
provisions and purposes of this Amendment, the Agreement, generally, and the
transactions contemplated hereunder and/or thereunder.

         d. DESCRIPTIVE HEADINGS. Descriptive heading of the several Sections of
this Amendment and the Agreement are inserted for convenience only and shall not
control or affect the meaning or construction of any of the provisions hereof or
thereof.

         e. ENTIRE AGREEMENT. This Amendment and the Agreement, and all of the
provisions hereof and/or thereof, shall be binding upon and inure to the benefit
of the Parties and their respective successors and permitted assigns and
executors, administrators and heirs. This Amendment, together with the
Agreement, sets forth the entire agreement and understanding between the Parties
as to the subject matter hereof and merges with and supercedes all prior
discussion and understandings of any kind and every nature between them.

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         IN WITNESS WHEREOF, the Parties have executed this Second Amendment to
Shareholder Rights Agreement as of the date first set out above.

                                 COMMUNITY BANCORP, INC.

                                 By: /s/ James A. Langway
--------------------------           ----------------------------------
Witness                              James A. Langway, Its President

                                 CAMBRIDGE TRUST COMPANY

                                 By:  /s/ James F. Dwinnell III
--------------------------            ----------------------------------
Witness                               ItsQuickLinks
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EXHIBIT 10.1    
    

 
 

AMENDED AND RESTATED CLICK COMMERCE, INC.
  DIRECTORS' STOCK OPTION AND STOCK AWARD PLAN    
    

1.     PREAMBLE.  

        Click Commerce, Inc., a Delaware corporation (the "Company"), hereby establishes the Click
Commerce, Inc. Directors' Stock Option and Stock Award Plan (the "Plan") to provide automatic grants of non-qualified stock options
and the payment of non-employee directors' retainers and meeting fees in common stock of the Company ("Common Stock"), from and after the
Company's initial public offering of Common Stock. The Plan is intended to promote the long-term growth and financial success of the Company by attracting and retaining
non-employee directors of outstanding ability and assisting the Company in promoting a greater identity of interest between the Company's non-employee directors and its
stockholders. 

2.     DEFINITIONS.  

	2.1
	"Award" means an Option or an award of Common Stock.

	2.2
	"Board" or "Board of Directors" means the board of directors of the Company.

	2.3
	"Committee" means the Board of Directors or a committee appointed by the Board to administer the Plan. Once
appointed, the Committee shall continue to serve until otherwise directed by the Board of Directors.

	2.4
	"Common Stock" means the common stock of the Company, $0.001 par value.

	2.5
	"Company" means Click Commerce, Inc., a Delaware corporation, and any successor thereto.

	2.6
	"Director" means a member of the Board who is not otherwise an employee of the Company and, after the Company
registers shares of Common Stock under either the Securities Act of 1933, as amended, or the Exchange Act.

	2.7
	"Effective Date" means the effective date of the Company's underwritten initial public offering of Common
Stock.

	2.8
	"Exchange Act" means the Securities Exchange Act of 1934, as it exists now or from time to time may hereafter
be amended.

	2.9
	"Fair Market Value" means for the relevant day:

	(a)
	If
shares of Common Stock are listed or admitted to unlisted trading privileges on any national or regional securities exchange, the average between the high and low sales prices
reported, on the composite tape of that exchange (provided that, if the shares are listed or admitted on more than one exchange, then on the exchange designated by the Board from time to time) on the
day Fair Market Value is to be determined;

	(b)
	If
the Common Stock is not listed or admitted to unlisted trading privileges as provided in paragraph (a), and if sales prices for shares of Common Stock are reported by the
Nasdaq Stock Market ("Nasdaq"), then the average of the high and low sales price for Common Stock reported as of the close of business on the day Fair
Market Value is to be determined, or if Common Stock is not traded on that day, the next preceding day on which such stock was traded; or

	(c)
	If
trading of the Common Stock is not reported by the Nasdaq or on a stock exchange, Fair Market Value will be determined by the Committee in its discretion based upon the best
available data. 

	2.10
	"Option" means the right of a Participant to purchase a specified number of shares of Common Stock, subject to
the terms and conditions of the Plan.

	2.11
	"Option Date" means the date upon which an Option is awarded to a Participant under the Plan.

	2.12
	"Option Price" means the price per share at which an Option may be exercised.

	2.13
	"Participant" means an individual to whom an Option has been granted under the Plan.

	2.14
	"Plan" means the Click Commerce, Inc. Directors' Stock Option and Stock Award Plan, as set forth herein
and as from time to time amended.

	2.15
	"Subsidiary" means any corporation or other entity of which the majority voting power or equity interest is
owned directly or indirectly by the Company.

	2.16
	Rules of Construction.

	(a)
	Governing Law. The construction and operation of this Plan are governed by the laws of the State of Delaware.

	(b)
	Headings. All headings in this Plan are for reference only and are not to be utilized in construing the Plan.

	(c)
	Gender. Unless clearly appropriate, all nouns of whatever gender refer to persons of either gender.

	(d)
	Singular and Plural. Unless clearly inappropriate, singular terms refer also to the plural and vice versa.

	(e)
	Severability. If any provision of this Plan is determined to be illegal or invalid for any reason, the remaining provisions shall
continue in full force and effect and shall be construed and enforced as if the illegal or invalid provision did not exist, unless the continuance of the Plan in such circumstances is not consistent
with its purposes. 

3.     STOCK SUBJECT TO THE PLAN.  

        Except as otherwise provided in Section 10, the aggregate number of shares of Common Stock that may be issued, or subject to Options granted under this
Plan, may not exceed 600,000 shares of Common Stock. Reserved shares may be either authorized but unissued shares or shares reacquired by the Company and held in its treasury, in the Board's
discretion. If any Options hereunder shall terminate or expire, as to any number of shares, new Options or shares may thereafter be awarded with respect to such shares. 

4.     ADMINISTRATION.  

        The Plan shall be administered by the Committee. In addition to any other powers set forth in this Plan, the Committee has the exclusive authority: 

	(a)
	to
construe and interpret the Plan, and to remedy any ambiguities or inconsistencies therein;

	(b)
	to
establish, amend and rescind appropriate rules and regulations relating to the Plan;

	(c)
	generally,
to administer the Plan, and to take all such steps and make all such determinations in connection with the Plan and the Awards granted thereunder as it may deem necessary
or advisable;

	(d)
	to
determine, on an individual basis, or generally from time to time, the form in which payment on an Option exercise under Section 7, or tax withholding under
Section 13, will be made; and

	(e)
	to
take any action necessary, including amendment of the Plan or any Award, as required in order for a transaction to qualify for pooling of interest accounting treatment. 

        Notwithstanding
the foregoing, to the extent necessary to satisfy Rule 16b-3 under the Exchange Act, action otherwise within the authority of the Committee shall be
taken by the full Board. 

5.     DIRECTOR STOCK OPTIONS.  

	(a)
	Each
Director shall be granted (i) if he is a Director on the Effective Date, an Option to purchase 10,000 shares of Common Stock at an Option Price equal to the per share
initial offering price; (ii) if he is a Director on the date of an annual meeting of the Company's stockholders, an Option to purchase 10,000 shares of Common Stock at an Option Price equal to
the Fair Market Value on such date; and (iii) on the date he first becomes a Director (if other than at an annual meeting of the Company's stockholders) an Option to purchase a number of shares
of Common Stock equal to 10,000 multiplied by a fraction, the numerator of which is the number of days such individual will serve until the date that will be the next annual meeting of the Company's
stockholders (as determined by the Committee) and the denominator of which is 365 at an Option Price equal to the Fair Market Value on such date.

	(b)
	An
Option shall be granted hereunder only if as of each Option Date the Director (i) is not otherwise an employee of the Company or any Subsidiary, and (ii) has served
on the Board continuously since the commencement of his or her term.

	(c)
	In
the event that the number of shares of Common Stock available for grant under the Plan is insufficient to make all automatic grants required to be made on a given date, then the
Options granted to Directors entitled to a grant on such date shall share ratably in the number of shares available for grant under the Plan. 

6.     OPTION PERIOD.  

        An Option may not be exercised until six months after the Option Date. Each Option will expire as of the earliest of: 

	(a)
	the
date the Participant's membership on the Board is terminated for cause, as determined by the Committee;

	(b)
	the
date one year after the Participant's death; or

	(c)
	ten
years from the Option Date. 

7.     MANNER OF EXERCISE OF OPTIONS.  

        To exercise an Option in whole or in part, a Participant (or, after his death, his executor or administrator) must give written notice to the Committee, stating
the number of shares with respect to which he intends to exercise the Option. The Company will issue the shares with respect to which the Option is exercised upon payment in full of the Option Price.
The Option Price may be paid (i) in cash, (ii) in shares of Common Stock having an aggregate Fair Market Value, as determined on the date of delivery, equal to the Option Price, or
(iii) by delivery of irrevocable instructions to a broker designated by the Company to promptly deliver to the Company the amount of sale or loan proceeds necessary to pay for all Common Stock
acquired through such exercise and any tax withholding obligations resulting from such exercise. 

8.     DIRECTOR STOCK AWARDS  

        Absent Board action to the contrary, in lieu of any retainer or meeting fees payable in cash to a Director from and after the Effective Date of the Plan, each
Director shall receive, on the payment date thereof, a number of shares of Common Stock with a Fair Market Value equal to the retainer or meeting fees. The value of annual stock awards to each
Director under the Plan shall initially be $25,000, subject to review and revision by the Committee at any time in its sole discretion. In addition, each Director who serves as the Chairman of the
Audit Committee of the Board of Directors shall receive a number of shares of Common Stock with a Fair Market Value equal to $10,000 on the date of 

the
annual meeting of the stockholders of the Company. Each Director who serves as the Chairman of the Human Resource and Compensation Committee or the Corporate Governance Committee of the Board of
Directors shall receive a number of shares of Common Stock with a Fair Market Value equal to $5,000 on the date of the annual meeting of stockholders. The Board of Directors may determine, in its
discretion, other additional amounts of grants of Common Stock for other additional committees of the Board of Directors that may be formed from time to time. 

9.     DEFERRAL OF STOCK AWARD  

	(a)
	A
Director may elect to defer the ownership of the shares of Common Stock otherwise issuable pursuant to Section 8. Any such election shall be in writing in the form prescribed
by the Committee.

	(b)
	An
election to defer pursuant to (a) above with respect to shares of Common Stock issuable in a calendar year must be made prior to December 31st of the
preceding year. Notwithstanding the foregoing, for the calendar year in which the Effective Date occurs, any election must be filed no later than 30 days after the Effective Date and shall be
effective for shares issuable after the election is made.

	(c)
	At
the time of deferral, a Director may select the date for the issuance of the deferred shares. If a Director does not select a date for the issuance of deferred shares, the deferred
shares will be issued upon termination of his service as a Director. 

10.   ADJUSTMENTS TO REFLECT CHANGES IN CAPITAL STRUCTURE.  

        Subject to the following provisions of this Section 10, in the event of any change in the outstanding shares of Common Stock by reason of any share
dividend, split, recapitalization, merger, consolidation, combination, exchange of shares or other similar corporate change, the aggregate number and kind of shares of Common Stock reserved for
issuance under the Plan or subject to Options outstanding or to be granted under the Plan shall be proportionately adjusted so that the value of each Option shall not be changed, and the terms of any
outstanding Option may be adjusted by the Committee in such manner as it deems equitable; provided, however, that in no event shall the Option price for a share be adjusted below the par value of such
share, nor shall any fraction of a share be issued upon the exercise of an Option. 

11.   NON-TRANSFERABILITY OF OPTIONS.  

        The Options granted under the Plan are not transferable, voluntarily or involuntarily, other than by will or the laws of descent and distribution. During a
Participant's lifetime, his Options may be exercised only by him; provided, however, that Options granted hereunder to Directors subject to third party
policies against receiving individual compensation for serving as a director of companies in which such third party has an investment may be assigned to or issued directly to such third party, upon
the written request of the Director. Options so assigned or issued may be exercised only by the recipient or a wholly-owned subsidiary thereof. 

12.   RIGHTS AS STOCKHOLDER.  

        A Participant has no rights whatsoever as a stockholder with respect to any shares covered by an Option until the date of the issuance of a stock certificate for
the shares. No Common Stock may be
delivered upon the exercise of any Option until full payment has been made and all income tax withholding requirements thereon, if any, have been satisfied. 

13.   WITHHOLDING TAX.  

        The Company shall have the right to withhold in cash or shares of Common Stock with respect to any payments made to Directors under the Plan any taxes required by
law to be withheld because of 

such
payments. Any withholding of shares shall be made in a manner consistent with Rule 16b-3 under the Exchange Act 

14.   AMENDMENT OF THE PLAN.  

        The Committee may from time to time amend or revise the terms of this Plan in whole or in part and may without limitation, adopt any amendment deemed necessary;  provided, however, that unless, necessary to comply with any pooling of interest requirements, no change in any award previously granted to a Director
may be made that would impair the rights of the Director without the Director's consent. All amendments shall be in writing and consented to by a majority of the members of the Committee. 

15.   CONDITIONS UPON ISSUANCE OF SHARES.  

        The exercise of any Option and the issuance and delivery of such shares of Common Stock pursuant thereto shall comply with all relevant provisions of law,
including, without limitation, the Securities Act of 1933, the Exchange Act, the rules and regulations promulgated thereunder, and the requirements of any stock exchange upon which the shares of
Common Stock may then be listed. As a condition to the exercise of an Option, the Company may require the person exercising such Option to (i) represent and warrant at the time of any such
exercise that the Common Stock is being purchased only for investment and without any present intention to sell or distribute such shares if, in the opinion of counsel for the Company, such a
representation is required by any of the aforementioned relevant provisions of law; and (ii) enter into a lock-up or similar agreement with respect to such shares, prohibiting, for
up to 360 days in the case of the initial public offering or 90 days in the case of any other offering, the disposition of such shares. 

16.   TERMINATION OF THE PLAN.  

        The Committee may terminate the Plan at any time with respect to any shares that have not been issued and are not then subject to Options. Termination of the Plan
will not affect the rights and obligations of any Participant with respect to Options or shares of Common Stock, awarded before termination. 

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EXHIBIT 10.1

AMENDED AND RESTATED CLICK COMMERCE, INC. DIRECTORS' STOCK OPTION AND STOCK AWARD PLAN

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