FLEETBOSTON FINANCIAL CORP
EX-10 (D)AMEND 5 TO EXEC DEFER COMP PLAN NO.2
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<DESCRIPTION>EX-10 (D)AMEND 5 TO EXEC DEFER COMP PLAN NO.2
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<P align="right"><FONT size="2"><B>Exhibit&nbsp;10(d)</B>
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<P align="center"><FONT size="3"><B>AMENDMENT FIVE<BR>
TO<BR>
THE FLEETBOSTON FINANCIAL CORPORATION<BR>
EXECUTIVE DEFERRED COMPENSATION PLAN NO. 2<BR>
(1997 Restatement)</B>
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article&nbsp;11 of the Plan is amended effective January&nbsp;1, 2003, to read as
follows:
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<P align="left"><FONT size="2"><B>ARTICLE 11. ASSIGNMENT OR ALIENATION</B>
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>11.1 General Rule. </B>Except as provided in Section&nbsp;11.2 or as otherwise
required by law, the interest hereunder of any Participant or Beneficiary shall
not be alienable by the Participant or Beneficiary by assignment or any other
method and will not be subject to be taken by his creditors by any process
whatsoever, and any attempt to cause such interest to be so subjected shall not
be recognized.
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>11.2 Domestic Relations Orders.</B>
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp; All or a portion of a Participant&#146;s benefit under the Plan may be paid
to another person as specified in a &#147;Qualified Domestic Relations Order.&#148; For
this purpose, a &#147;Qualified Domestic Relations Order&#148; means a judgment, decree,
or order (including the approval of a settlement agreement) which is:
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;issued pursuant to a State&#146;s domestic relations law;
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;relates to the provision of child support, alimony payments or
marital property rights to a spouse, former spouse, child or other dependent of
the Participant;
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;creates or recognizes the right of a spouse, former spouse, child or
other dependent of the Participant to receive all or a portion of the
Participant&#146;s benefits under the Plan;
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv)&nbsp;provides for payment in an immediate lump sum as soon as practicable
after the Committee determines that a Qualified Domestic Relations Order
exists; and
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v)&nbsp;meets such other requirements established by the Committee.
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp; The Committee shall determine whether any document received by it is a
Qualified Domestic Relations Order. In making this determination, the
Committee may consider:
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;the rules applicable to &#147;domestic relations orders&#148; under section
414(p) of the Internal Revenue Code of 1986 and section 206(d) of ERISA;
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;the procedures used under the FleetBoston Financial Savings Plan to
determine the qualified status of domestic relations orders; and
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;such other rules and procedures as it deems relevant.
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<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;IN WITNESS WHEREOF, this Amendment Five was adopted by the Human Resources
Committee at its June&nbsp;17, 2003 meeting and is executed by a duly authorized
officer of FleetBoston Financial Corporation.
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    <TD colspan="5" valign="top" align="left"><FONT size="2"><B>FLEETBOSTON FINANCIAL CORPORATION</B></FONT></TD>
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    <TD align="left" valign="top"><FONT size="2">/s/ M. ANNE SZOSTAK</FONT></TD>
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    <TD align="left" valign="top"><FONT size="2">M. Anne Szostak</FONT></TD>
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President and<BR>Director
of Human Resources</FONT></TD>
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