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**TABLE      OF CONTENTS**

| ARTICLE                I | DEFINITIONS | 1 |
|--------------------------|-------------|---|

|  | Section                1.01. | Definitions | 1 |
|--|------------------------------|-------------|---|

| ARTICLE                II | DEBT                SECURITIES | 9 |
|---------------------------|--------------------------------|---|

|   | Section                2.01. | Authentication                and Dating                                | 9  |
|--------|------------------------------|-------------------------------------------------------------------------|----|
|   | Section                2.02. | Form                of Trustee’s Certificate of Authentication    | 9  |
|   | Section                2.03. | Form                and Denomination of Debt Securities                 | 9  |
|   | Section                2.04. | Execution                of Debt Securities                             | 10 |
|   | Section                2.05. | Exchange                and Registration of Transfer of Debt Securities | 10 |
|   | Section                2.06. | Mutilated,                Destroyed, Lost or Stolen Debt Securities     | 13 |
|   | Section                2.07. | Temporary                Debt Securities                                | 14 |
|   | Section                2.08. | Payment                of Interest                                      | 14 |
|   | Section                2.09. | Cancellation                of Debt Securities Paid, etc.               | 16 |
|   | Section                2.10. | Computation                of Interest                                  | 16 |
|   | Section                2.11. | Extension                of Interest Payment Period                     | 18 |
|   | Section                2.12. | CUSIP                Numbers                                            | 18 |

| ARTICLE                III | PARTICULAR                COVENANTS OF THE COMPANY | 19 |
|----------------------------|----------------------------------------------------|----|

|   | Section                3.01. | Payment                of Principal, Premium and Interest; Agreed Treatment of the Debt                Securities | 19 |
|--------|------------------------------|-------------------------------------------------------------------------------------------------------------------|----|
|   | Section                3.02. | Offices                for Notices and Payments, etc.                                                             | 19 |
|   | Section                3.03. | Appointments                to Fill Vacancies in Trustee’s Office                                           | 20 |
|   | Section                3.04. | Provision                as to Paying Agent                                                                       | 20 |
|   | Section                3.05. | Certificate                to Trustee                                                                             | 21 |
|   | Section                3.06. | Additional                Interest                                                                                | 21 |
|   | Section                3.07. | Compliance                with Consolidation Provisions                                                           | 22 |
|   | Section                3.08. | Limitation                on Dividends                                                                            | 22 |
|   | Section                3.09. | Covenants                as to the Trust                                                                          | 22 |

| ARTICLE                IV | LISTS                AND REPORTS BY THE COMPANY AND THE                TRUSTEE | 23 |
|---------------------------|--------------------------------------------------------------------------------|----|

|   | Section                4.01. | Securityholders’                Lists         | 23 |
|--------|------------------------------|-----------------------------------------------------|----|
|   | Section                4.02. | Preservation                and Disclosure of Lists | 23 |
|   | Section                4.03. | Financial                and Other Information      | 24 |

| ARTICLE                V | REMEDIES                OF THE TRUSTEE AND SECURITYHOLDERS UPON AN EVENT OF                DEFAULT | 25 |
|--------------------------|----------------------------------------------------------------------------------------------------|----|

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|   | Section                5.01. | Events                of Default                                                                             | 25 |
|--------|------------------------------|--------------------------------------------------------------------------------------------------------------|----|
|   | Section                5.02. | Payment                of Debt Securities on Default; Suit Therefor                                          | 27 |
|   | Section                5.03. | Application                of Moneys Collected by Trustee                                                    | 28 |
|   | Section                5.04. | Proceedings                by Securityholders                                                                | 28 |
|   | Section                5.05. | Proceedings                by Trustee                                                                        | 29 |
|   | Section                5.06. | Remedies                Cumulative and Continuing                                                            | 29 |
|   | Section                5.07. | Direction                of Proceedings and Waiver of Defaults by Majority of                Securityholders | 29 |
|   | Section                5.08. | Notice                of Defaults                                                                            | 30 |
|   | Section                5.09. | Undertaking                to Pay Costs                                                                      | 30 |

| ARTICLE                VI | CONCERNING                THE TRUSTEE | 31 |
|---------------------------|---------------------------------------|----|

|   | Section                6.01. | Duties                and Responsibilities of Trustee                                                                                           | 31 |
|--------|------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------|----|
|   | Section                6.02. | Reliance                on Documents, Opinions, etc                                                                                             | 32 |
|   | Section                6.03. | No                Responsibility for Recitals, etc                                                                                              | 33 |
|   | Section                6.04. | Trustee,                Authenticating Agent, Paying Agents, Transfer Agents or Registrar                May Own                Debt Securities | 33 |
|   | Section                6.05. | Moneys                to be Held in Trust                                                                                                       | 33 |
|   | Section                6.06. | Compensation                and Expenses of Trustee                                                                                             | 34 |
|   | Section                6.07. | Officers’                Certificate as Evidence                                                                                          | 34 |
|   | Section                6.08. | Eligibility                of Trustee                                                                                                           | 35 |
|   | Section                6.09. | Resignation                or Removal of Trustee                                                                                                | 35 |
|   | Section                6.10. | Acceptance                by Successor Trustee                                                                                                  | 36 |
|   | Section                6.11. | Succession                by Merger, etc                                                                                                        | 37 |
|   | Section                6.12. | Authenticating                Agents                                                                                                            | 38 |

| ARTICLE                VII | CONCERNING                THE SECURITYHOLDERS | 39 |
|----------------------------|-----------------------------------------------|----|

|   | Section                7.01. | Action                by Securityholders                               | 39 |
|--------|------------------------------|------------------------------------------------------------------------|----|
|   | Section                7.02. | Proof                of Execution by Securityholders                   | 40 |
|   | Section                7.03. | Who                Are Deemed Absolute Owners                          | 40 |
|   | Section                7.04. | Debt                Securities Owned by Company Deemed Not Outstanding | 40 |
|   | Section                7.05. | Revocation                of Consents; Future Holders Bound            | 41 |

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| ARTICLE                VIII | SECURITYHOLDERS’MEETINGS | 41 |
|-----------------------------|--------------------------------|----|

|   | Section                8.01. | Purposes                of Meetings                           | 41 |
|--------|------------------------------|---------------------------------------------------------------|----|
|   | Section                8.02. | Call                of Meetings by Trustee                    | 42 |
|   | Section                8.03. | Call                of Meetings by Company or Securityholders | 42 |
|   | Section                8.04. | Qualifications                for Voting                      | 42 |
|   | Section                8.05. | Regulations                                                   | 42 |
|   | Section                8.06. | Voting                                                        | 43 |
|   | Section                8.07. | Quorum;                Actions                                | 43 |

| ARTICLE                IX | SUPPLEMENTAL                INDENTURES | 44 |
|---------------------------|----------------------------------------|----|

|   | Section                9.01. | Supplemental                Indentures without Consent of Securityholders                                 | 44 |
|--------|------------------------------|-----------------------------------------------------------------------------------------------------------|----|
|   | Section                9.02. | Supplemental                Indentures with Consent of Securityholders                                    | 45 |
|   | Section                9.03. | Effect                of Supplemental Indentures                                                          | 46 |
|   | Section                9.04. | Notation                on Debt Securities                                                                | 47 |
|   | Section                9.05. | Evidence                of Compliance of Supplemental Indenture to be Furnished to                Trustee | 47 |

| ARTICLE                X | REDEMPTION                OF SECURITIES | 47 |
|--------------------------|-----------------------------------------|----|

|   | Section                10.01. | Optional                Redemption                                | 47 |
|--------|-------------------------------|-------------------------------------------------------------------|----|
|   | Section                10.02. | Special                Event Redemption                           | 47 |
|   | Section                10.03. | Notice                of Redemption; Selection of Debt Securities | 47 |
|   | Section                10.04. | Payment                of Debt Securities Called for Redemption   | 48 |

| ARTICLE                XI | CONSOLIDATION,                MERGER, SALE, CONVEYANCE AND                LEASE | 49 |
|---------------------------|---------------------------------------------------------------------------------|----|

|   | Section                11.01. | Company                May Consolidate, etc., on Certain Terms | 49 |
|--------|-------------------------------|----------------------------------------------------------------|----|
|   | Section                11.02. | Successor                Entity to be Substituted              | 49 |
|   | Section                11.03. | Opinion                of Counsel to be Given to Trustee       | 50 |

| ARTICLE                XII | SATISFACTION                AND DISCHARGE OF INDENTURE | 50 |
|----------------------------|--------------------------------------------------------|----|

|   | Section                12.01. | Discharge                of Indenture                          | 50 |
|--------|-------------------------------|----------------------------------------------------------------|----|
|   | Section                12.02. | Deposited                Moneys to be Held in Trust by Trustee | 51 |
|   | Section                12.03. | Paying                Agent to Repay Moneys Held               | 51 |
|   | Section                12.04. | Return                of Unclaimed Moneys                      | 51 |

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| ARTICLE                XIII | IMMUNITY                OF INCORPORATORS, STOCKHOLDERS, OFFICERS AND                DIRECTORS | 51 |
|-----------------------------|-----------------------------------------------------------------------------------------------|----|

|   | Section                13.01. | Indenture                and Debt Securities Solely Corporate Obligations | 51 |
|--------|-------------------------------|---------------------------------------------------------------------------|----|

| ARTICLE                XIV | MISCELLANEOUS                PROVISIONS | 52 |
|----------------------------|-----------------------------------------|----|

|   | Section                14.01. | Successors                                                      | 52 |
|--------|-------------------------------|-----------------------------------------------------------------|----|
|   | Section                14.02. | Official                Acts by Successor Entity                | 52 |
|   | Section                14.03. | Surrender                of Company Powers                      | 52 |
|   | Section                14.04. | Addresses                for Notices, etc                       | 52 |
|   | Section                14.05. | Governing                Law                                    | 52 |
|   | Section                14.06. | Evidence                of Compliance with Conditions Precedent | 53 |
|   | Section                14.07. | Business                Day Convention                          | 53 |
|   | Section                14.08. | Table                of Contents, Headings, etc                 | 53 |
|   | Section                14.09. | Execution                in Counterparts                        | 53 |
|   | Section                14.10. | Separability                                                    | 54 |
|   | Section                14.11. | Assignment                                                      | 54 |
|   | Section                14.12. | Acknowledgment                of Rights                         | 54 |

| ARTICLE                XV | SUBORDINATION                OF DEBT SECURITIES | 54 |
|---------------------------|-------------------------------------------------|----|

|   | Section                15.01  | Agreement                to Subordinate                              | 54 |
|--------|-------------------------------|----------------------------------------------------------------------|----|
|   | Section                15.02. | Default                on Senior Indebtedness                        | 55 |
|   | Section                15.03. | Liquidation;                Dissolution; Bankruptcy                  | 55 |
|   | Section                15.04. | Subrogation                                                          | 56 |
|   | Section                15.05. | Trustee                to Effectuate Subordination                   | 57 |
|   | Section                15.06. | Notice                by the Company                                 | 57 |
|   | Section                15.07. | Rights                of the Trustee; Holders of Senior Indebtedness | 58 |
|   | Section                15.08. | Subordination                May Not Be Impaired                     | 59 |

| EXHIBIT                A | FORM                OF FLOATING RATE JUNIOR SUBORDINATED DEBT SECURITY DUE                2035 | A-1 |
|--------------------------|------------------------------------------------------------------------------------------------|-----|
| EXHIBIT                B | FORM                OF CERTIFICATE OF OFFICER OF THE COMPANY                                   | B-1 |

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ARTICLE      I

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| Special                Event Redemption During Period Beginning On | Percentage                of Principal Amount |
|--------------------------------------------------------------------|-----------------------------------------------|
| August                19, 2005                                     | 104.40                                        |
| August                23, 2006                                     | 103.52                                        |
| August                23, 2007                                     | 102.64                                        |
| August                23, 2008                                     | 101.76                                        |
| August                23, 2009                                     | 100.88                                        |
| August                23, 2010                                     | 100.00                                        |

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ARTICLE      II

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ARTICLE      V

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ARTICLE      VII

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ARTICLE      IX

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ARTICLE      X

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ARTICLE      XI

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ARTICLE      XII

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ARTICLE      XV

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**EXHIBIT      A**

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

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

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* *

| Special                Event Redemption During Period Beginning On | Percentage                of Principal Amount |
|--------------------------------------------------------------------|-----------------------------------------------|
| August                19, 2005                                     | 104.40                                        |
| August                23, 2006                                     | 103.52                                        |
| August                23, 2007                                     | 102.64                                        |
| August                23, 2008                                     | 101.76                                        |
| August                23, 2009                                     | 100.88                                        |
| August                23, 2010                                     | 100.00                                        |

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**EXHIBIT        B**

*specify      each such default and the nature thereof*

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

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