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ARTICLE      I    DEFINITIONS                                  1

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**TABLE            OF CONTENTS**

**                                            Page**

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|   | -iv- |   |
|--------|------|--------|

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*pari      passu*

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| Special                  Event Redemption During Period Beginning On | Percentage                  of Principal Amount |
|----------------------------------------------------------------------|-------------------------------------------------|
| September                  28, 2005                                  | 104.40                                          |

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| November                  23, 2006 | 103.52 |
|------------------------------------|--------|
| November                  23, 2007 | 102.64 |
| November                  23, 2008 | 101.76 |
| November                  23, 2009 | 100.88 |
| November                  23, 2010 | 100.00 |

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* *
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**EXHIBIT      A**

**FORM      OF FIXED/FLOATING RATE JUNIOR SUBORDINATED DEBT SECURITY DUE      2035**

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|   |   | Authorized                Officer |
|--------|--------|-----------------------------------|

|   | A-1-6 |   |
|--------|-------|--------|

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* *

| Special                Event Redemption During Period Beginning On | Percentage                of Principal Amount |
|--------------------------------------------------------------------|-----------------------------------------------|
| September                28, 2005                                  | 104.40                                        |
| November                23, 2006                                   | 103.52                                        |
| November                23, 2007                                   | 102.64                                        |
| November                23, 2008                                   | 101.76                                        |
| November                23, 2009                                   | 100.88                                        |
| November                23, 2010                                   | 100.00                                        |

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|   | A-1-9 |   |
|--------|-------|--------|

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*specify      each such default and the nature thereof*

|   | _______________________________                                                          |   |
|--------|------------------------------------------------------------------------------------------|--------|
|   | Name:                ______________________Title:                _______________________ |   |

|   | B-1-1 |   |
|--------|-------|--------|

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