----

----

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                                                                                    |   | 22     |
| 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     |

----

| 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                                                                                         |   | 40     |

----

| ARTICLE                  VIII   |   | SECURITYHOLDERS’MEETINGS                                                                                |   | 41     |
|---------------------------------|--------|---------------------------------------------------------------------------------------------------------------|--------|--------|
|                            |   |                                                                                                          |   |   |
| Section                  8.01.  |   | Purposes                  of Meetings                                                                         |   | 41     |
| Section                  8.02.  |   | Call                  of Meetings by Trustee                                                                  |   | 41     |
| 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     |

----

| 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 2036 |                                                                                              | A-1    |
|                             |                                                                                                                                                                             |                                                                                              |   |   |
| EXHIBIT                  B  |                             FORM OF CERTIFICATE OF OFFICER OF THE                  COMPANY                                     |                                                                                              | B-1    |

----

Table          of Contents

ARTICLE I

----

*Table          of Contents*

*pari      passu*

*pari      passu*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

*pari      passu*

----

*Table          of Contents*

| Special                Event Redemption During Period Beginning On | Percentage                of Principal Amount |
|--------------------------------------------------------------------|-----------------------------------------------|
| May                16, 2006                                        | 104.40                                        |
| June                23, 2007                                       | 103.52                                        |
| June                23, 2008                                       | 102.64                                        |
| June                23, 2009                                       | 101.76                                        |
| June                23, 2010                                       | 100.88                                        |
| June                23, 2011                                       | 100.00                                        |

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE II

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE      III

*pari      passu*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

*pari      passu*
* *
*pari      passu *
*pari      passu *

----

*Table          of Contents*

ARTICLE      IV

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE      V

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE      VI

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE      VII

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE      VIII

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE      IX

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE      X

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE      XI

----

*Table          of Contents*

ARTICLE      XII

----

*Table          of Contents*

ARTICLE      XIII

----

*Table          of Contents*

ARTICLE      XIV

----

*Table          of Contents*

----

*Table          of Contents*

ARTICLE      XV

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

|   |   |   |
|--------|--------|--------|

----

*Table        of        Contents*

**EXHIBIT      A**

**FORM      OF FLOATING RATE JUNIOR SUBORDINATED DEBT SECURITY DUE      2036**

----

*Table          of Contents*

----

*Table            of            Contents*

----

*Table          of Contents*

*pari      passu*
*pari      passu *
*pari      passu *

----

*Table          of Contents*

----

*Table            of            Contents*

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

----

*Table          of Contents*

* *

| Special                Event Redemption During Period Beginning On | Percentage                of Principal Amount |
|--------------------------------------------------------------------|-----------------------------------------------|
| May                16, 2006                                        | 104.40                                        |
| June                23, 2007                                       | 103.52                                        |
| June                23, 2008                                       | 102.64                                        |
| June                23, 2009                                       | 101.76                                        |
| June                23, 2010                                       | 100.88                                        |
| June                23, 2011                                       | 100.00                                        |

----

*Table          of Contents*

----

*Table          of Contents*

----

*Table          of Contents*

**EXHIBIT      B**

*specify      each such default and the nature thereof*

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

----