Document:

AMEND 1 TO DECLARATION OF TRUST, RE TRUST III

 EXHIBIT 4.18 
  
 AMENDMENT NO. 1 
 TO THE DECLARATION OF TRUST OF UNUMPROVIDENT FINANCING TRUST III 
  
 This Amendment No. 1 to the Declaration of Trust of UnumProvident Financing Trust III (the “Trust”), dated as of November 1,
2002 (this “Amendment”), is entered into among UnumProvident Corporation, a Delaware corporation, as depositor, Chase Manhattan Bank USA, National Association, as trustee (the “Delaware Trustee”), JPMorgan Chase Bank (formerly
known as The Chase Manhattan Bank), as trustee (the “Property Trustee”), and Susan N. Roth, an individual, as trustee. 
  
 WHEREAS, the parties hereto entered into a Declaration of Trust of the Trust, dated as of August 14, 2000 (the “Original Declaration “), and a Certificate of the Trust was filed with the Secretary of State of the State of
Delaware on August 14, 2000; 
  
 WHEREAS, the Property Trustee has changed its name from The Chase Manhattan Bank to
JPMorgan Chase Bank; and 
  
 WHEREAS, to reflect the foregoing, the parties hereto desire to amend the Original
Declaration. 
  
 IN WITNESS WHEREOF, the undersigned, intending to be legally bound hereby, agree as follows:

  
 AMENDMENT 
  
 The undersigned hereby confirm that The Chase Manhattan Bank has changed its name to JPMorgan Chase Bank. 
  
 MISCELLANEOUS 
  
 1.    This Amendment
shall be binding upon, and shall enure to the benefit of, the parties hereto and their respective successors and assigns. 
  
 2.    This Amendment may be executed in counterparts, all of which together shall constitute one agreement binding on all parties hereto, notwithstanding that all such parties are not signatories to the original
or same counterpart. 
  
 3.    This Amendment shall be interpreted in accordance with the laws of
the State of Delaware (without regard to conflict of laws principles), all rights and remedies being governed by such laws. 
  
 4.    Except as modified by this Amendment, the Original Declaration will remain in full force and effect. 

  
 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly
executed as of the date first above written. 
  
 
	 UNUMPROVIDENT CORPORATION,
     as Depositor

	 
	 By:
 	 	 /s/    J. HAROLD CHANDLER
        
 

	 Name:
 	 	 J. Harold Chandler
 
	 Title:
 	 	 President and Chief Executive Officer
 

 
  
  
 
	 CHASE MANHATTAN BANK USA,
 NATIONAL ASSOCIATION,
     as Delaware Trustee
 
	 
	 By:
 	 	 /s/    JOHN J.
CASHIN        
 

	 Name:
 	 	 John J. Cashin
 
	 Title:
 	 	 Vice-President
 

 
  
  
 
	 JPMORGAN CHASE BANK,
     as Property
Trustee
 
	 
	 By:
 	 	 /s/    JAMES D.
HEANEY        
 

	 Name:
 	 	 James D. Heaney
 
	 Title:
 	 	 (Vice President)
 

 
  
  
 
	 
	 /s/    SUSAN N.
ROTH        
 

	 Susan N. Roth, as TrusteeClass A (2002-4) Terms Document

 Exhibit 4.01 
  
 
 
 BANK ONE ISSUANCE TRUST 
 as Issuer 
  
 CLASS A(2002-4) TERMS DOCUMENT 
 dated as of October 23, 2002 
  
 to 
  
 ONESERIES INDENTURE SUPPLEMENT 
 dated as of May
1, 2002 
  
 to 
  
 INDENTURE 
  
 dated as of May 1, 2002 
  
 WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION 
 as Indenture Trustee and Collateral Agent 
  
 

  
 THIS CLASS A(2002-4) TERMS DOCUMENT (this “Terms Document”), by
and between BANK ONE ISSUANCE TRUST, a statutory trust created under the laws of the State of Delaware (the “Issuer”), having its principal office at c/o Wilmington Trust Company, 1100 North Market Street, Wilmington, Delaware
19890-1600, and WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION, a national banking association, as indenture trustee (the “Indenture Trustee”) and collateral agent (the “Collateral Agent”), is made and entered into as of
October 23, 2002. 
  
 Pursuant to this Terms Document, the Issuer and the Indenture Trustee shall create a new
Tranche of ONEseries Class A Notes and shall specify the principal terms thereof. 
  
 ARTICLE I 

 
 Definitions and Other Provisions of General Application 
  
 Section 1.1 Definitions. For all purposes of this Terms Document, except as otherwise expressly provided or unless the context otherwise requires: 

 
 (1) the terms defined in this Article have the meanings assigned to them in this Article, and include the
plural as well as the singular; 
  
 (2) all other terms used herein which are defined in the
Indenture Supplement, the Indenture or the Asset Pool Supplement, either directly or by reference therein, have the meanings assigned to them therein; 
  
 (3) all accounting terms not otherwise defined herein have the meanings assigned to them in accordance with generally accepted accounting principles and,
except as otherwise herein expressly provided, the term “generally accepted accounting principles” with respect to any computation required or permitted hereunder means such accounting principles as are generally accepted in the United
States of America at the date of such computation; 
  
 (4) all references in this Terms Document to
designated “Articles,” “Sections” and other subdivisions are to the designated Articles, Sections and other subdivisions of this Terms Document as originally executed; 
  
 (5) the words “herein,” “hereof” and “hereunder” and other words of similar import refer to this Terms Document as a whole and
not to any particular Article, Section or other subdivision; 

 

  
 (6) in the event that any term or provision contained herein
shall conflict with or be inconsistent with any term or provision contained in the Indenture Supplement, the Indenture or the Asset Pool Supplement, the terms and provisions of this Terms Document shall be controlling; 
  
 (7) each capitalized term defined herein shall relate only to the Class A(2002-4) Notes and no other Tranche of ONEseries
Notes issued by the Issuer; and 
  
 (8) “including” and words of similar import will be
deemed to be followed by “without limitation.” 
  
 “Asset Pool Supplement” means the Asset
Pool One Supplement to the Indenture, dated as of May 1, 2002 among the Issuer, the Indenture Trustee and the Collateral Agent, as amended, supplemented, restated or otherwise modified from time to time. 
  
 “Base Rate” has the meaning specified in the Indenture Supplement. 
  

“BDL” means Banque de Luxembourg. 
  
 “Class A(2002-4) Adverse Event” means the occurrence of any of the following: (a) an Early Amortization Event with respect to the Class A(2002-4) Notes, (b) an Event of Default and acceleration of the Class
A(2002-4) Notes, (c) the Class A Usage of the Class B Required Subordinated Amount for the Class A(2002-4) Notes becomes greater than zero or (d) the Class A Usage of the Class C Required Subordinated Amount for the Class A(2002-4) Notes becomes
greater than zero. 
  
 “Class A(2002-4) Note” means any Note, substantially in the form set forth in
Exhibit A-1 to the Indenture Supplement, designated therein as a Class A(2002-4) Note and duly executed and authenticated in accordance with the Indenture. 
  
 “Class A(2002-4) Noteholder” means a Person in whose name a Class A(2002-4) Note is registered in the Note Register. 
  
 “Class A(2002-4) Termination Date” means the earliest to occur of (a) the Principal Payment Date on which the Outstanding Dollar Principal Amount of the
Class A(2002-4) Notes is paid in full, (b) the Legal Maturity Date and (c) the date on which the Indenture is discharged and satisfied pursuant to Article V thereof. 
  
 “Class A Required Subordinated Amount of Class B Notes” is defined in Section 2.2(a). 

 
 2 

 “Class A Required Subordinated Amount of Class C Notes” is defined in Section 2.2(b). 

 
 “Controlled Accumulation Amount” means $62,500,000; provided, however, if the Accumulation
Period Length is determined to be less than twelve months pursuant to Section 3.12(b)(ii) of the Indenture Supplement, the Controlled Accumulation Amount for any Note Transfer Date with respect to the Class A(2002-4) Notes will be the amount
specified in the definition of “Controlled Accumulation Amount” in the Indenture Supplement. 
  
 “Excess Spread Percentage” has the meaning specified in the Indenture Supplement. 
  
 “Indenture” means the Indenture, dated as of May 1, 2002, between the Issuer and the Indenture Trustee, as the same may be amended, supplemented, restated or otherwise modified from time to time. 

 
 “Indenture Supplement” means the ONEseries Indenture Supplement, dated as of May 1, 2002, between the Issuer,
the Indenture Trustee and the Collateral Agent, as the same may be amended, supplemented, restated or otherwise modified from time to time. 
  
 “Initial Dollar Principal Amount” means $750,000,000. 
  
 “Interest Payment Date” means November 15, 2002 and the 15th day of each
month thereafter, or if such 15th day is not a Business Day, the next succeeding Business Day.

  
 “Interest Period” means, with respect to any Interest Payment Date, the period from and
including the previous Interest Payment Date (or in the case of the initial Interest Payment Date, from and including the Issuance Date) to but excluding such Interest Payment Date. 
  
 “Issuance Date” means October 23, 2002. 
  
 “Legal Maturity Date” means June 16, 2008. 
  
 “Note Interest
Rate” means a rate per annum equal to 2.94%. 
  
 “Paying Agent” means Wells Fargo Bank
Minnesota, National Association. 
  
 “Portfolio Yield” has the meaning specified in the Indenture
Supplement. 
  
 “Predecessor Note” means, with respect to any particular Note, every previous Note
evidencing all or a portion of the same debt as that evidenced by such particular Note; and,
 

 
 3 

 
for the purpose of this definition, any Note authenticated and delivered under Section 3.06 of the Indenture in lieu of a mutilated, lost, destroyed or stolen Note shall be deemed to evidence the
same debt as the mutilated, lost, destroyed or stolen Note. 
  
 “Record Date” means, for any Note
Transfer Date, the last Business Day of the preceding Monthly Period. 
  
 “Scheduled Principal Payment
Date” means October 17, 2005. 
  
 “Stated Principal Amount” means $750,000,000.

  
 “Tranche” has the meaning specified in the Indenture. 
  
 Section 1.2 Governing Law. THIS TERMS DOCUMENT WILL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF
DELAWARE WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
  
 Section 1.3 Counterparts. This Terms Document may be executed in any number of counterparts, each of which so executed will be deemed to be an original, but all such
counterparts will together constitute but one and the same instrument. 
  
 Section 1.4 Ratification of Indenture
and Indenture Supplement. As supplemented by this Terms Document, each of the Indenture, the Asset Pool Supplement and the Indenture Supplement is in all respects ratified and confirmed and the Indenture as so supplemented by the Asset Pool
Supplement and the Indenture Supplement as so supplemented by this Terms Document shall be read, taken and construed as one and the same instrument. 
  
 [END OF ARTICLE I] 

 
 4 

 ARTICLE II 
  
 The Class A(2002-4) Notes 
  
 Section 1.5 Creation and Designation. There is hereby
created a Tranche of ONEseries Class A Notes to be issued pursuant to the Indenture and the Indenture Supplement to be known as the “ONEseries Class A(2002-4) Notes.” 
  
 Section 1.6 Specification of Required Subordinated Amount and Other Terms. 
  
 (1) For the Class A(2002-4) Notes for any date of determination, the Class A Required Subordinated Amount of Class B Notes will be an amount equal to 8.47953% of (i) prior to the occurrence of a Class
A(2002-4) Adverse Event, the Adjusted Outstanding Dollar Principal Amount of the Class A(2002-4) Notes on such date of determination or (ii) on and after the date on which a Class A(2002-4) Adverse Event shall have occurred, the greater of (1) the
Adjusted Outstanding Dollar Principal Amount of the Class A(2002-4) Notes on such date of determination and (2) the Adjusted Outstanding Dollar Principal Amount of the Class A(2002-4) Notes as of the close of business on the day immediately
preceding the date on which such Class A(2002-4) Adverse Event shall have occurred. 
  
 (2) For the Class A(2002-4)
Notes for any date of determination, the Class A Required Subordinated Amount of Class C Notes will be an amount equal to 8.47953% of (i) prior to the occurrence of a Class A(2002-4) Adverse Event, the Adjusted Outstanding Dollar Principal Amount of
the Class A(2002-4) Notes on such date or (ii) on and after the date on which a Class A(2002-4) Adverse Event shall have occurred, the greater of (1) the Adjusted Outstanding Dollar Principal Amount of the Class A(2002-4) Notes on such date of
determination and (2) Adjusted Outstanding Dollar Principal Amount of the Class A(2002-4) Notes as of the close of business on the day immediately preceding the date on which such Class A(2002-4) Adverse Event shall have occurred. 

 
 (3) The Issuer may change the percentages or the formulas set forth in either clause (a) or (b) above without the consent of
any Noteholder so long as the Issuer has (i) received written confirmation from each Note Rating Agency that has rated any Outstanding Class A(2002-4) Notes that the change in either of such percentages or formulas, as applicable, will not result in
a Ratings Effect with respect to any Outstanding Class A(2002-4) Notes and (ii) delivered to the Indenture Trustee and the Note Rating Agencies a Master Trust Tax Opinion and an Issuer Tax Opinion. 
  
 Section 1.7 Interest Payment. 
  
 (1) For each Interest Payment Date, the amount of interest due with respect to the Class A(2002-4) Notes shall be an amount equal to one-twelfth of the product of (i) the Note
 

 
 5 

 
Interest Rate, and (ii) the Outstanding Dollar Principal Amount of the Class A(2002-4) Notes determined as of the close of business on the Interest Payment Date preceding the related Note
Transfer Date for the Class A(2002-4) Notes; provided, however, that for the first Interest Payment Date the amount of interest due is $1,347,500. Interest on the Class A(2002-4) Notes will be calculated on the basis of a 360-day year
consisting of twelve 30-day months. 
  
 (2) Pursuant to Section 3.03 of the Indenture Supplement, on each Note
Transfer Date with respect to the Class A(2002-4) Notes, the Indenture Trustee shall deposit into the Class A(2002-4) Interest Funding Sub-Account the portion of ONEseries Available Finance Charge Collections allocable to the Class A(2002-4) Notes.

  
 Section 1.8 [Reserved] 
  
 Section 1.9 Payments of Interest and Principal. 
  
 (1) Any installment of interest or principal payable on any Class A(2002-4) Note which is punctually paid or duly provided for by the Issuer and the Indenture Trustee on the applicable Interest Payment Date or Principal
Payment Date shall be paid by the Paying Agent to the Person in whose name such Class A(2002-4) Note (or one or more Predecessor Notes) is registered on the Record Date, by wire transfer of immediately available funds to such Person’s account
as has been designated by written instructions received by the Paying Agent from such Person not later than the close of business on the third Business Day preceding the date of payment or, if no such account has been so designated, by check mailed
first-class, postage prepaid to such Person’s address as it appears on the Note Register on such Record Date, except that with respect to Notes registered on the Record Date in the name of the nominee of Cede & Co., payment shall be made by
wire transfer in immediately available funds to the account designated by such nominee. 
  
 (2) The right of the
Class A(2002-4) Noteholders to receive payments from the Issuer will terminate on the first Business Day following the Class A(2002-4) Termination Date. 
  
 Section 1.10 Form of Delivery of Class A(2002-4) Notes; Depository; Denominations. 
  
 (1) The Class A(2002-4) Notes shall be delivered in the form of a global Registered Note as provided in Sections 2.02 and 3.01(i) of the Indenture, respectively. 
  
 (2) The Depository for the Class A(2002-4) Notes shall be The Depository Trust Company, and the Class A(2002-4) Notes shall initially be registered in the name of Cede
& Co., its nominee. 

 
 6 

  
 (3) The Class A(2002-4) Notes will be issued in minimum denominations of $1,000
and integral multiples of that amount. 
  
 Section 1.11 Delivery and Payment for the Class A(2002-4) Notes.
The Issuer shall execute and deliver the Class A(2002-4) Notes to the Indenture Trustee for authentication, and the Indenture Trustee shall deliver the Class A(2002-4) Notes when authenticated, each in accordance with Section 3.03 of the Indenture.

  
 Section 1.12 Supplemental Indenture. The Issuer may enter into a supplemental indenture with respect to
the Class A(2002-4) Notes as provided in Section 9.01 of the Indenture, provided, however, that any supplemental indenture which provides for an additional or alternative form of credit enhancement for the Class A(2002-4) Notes shall,
in addition to the requirements set forth in Section 9.01 of the Indenture, require confirmation from the Note Rating Agencies that have rated any Outstanding Notes of the ONEseries that such change in credit enhancement will not result in a Ratings
Effect with respect to any Outstanding Notes of the ONEseries. 
  
 Section 1.13 Appointment of co-Paying Agent and
co-Transfer Agent. BDL is appointed as co-paying agent and as co-transfer agent in Luxembourg with respect to the Class A(2002-4) Notes for so long as the Class A(2002-4) Notes are listed on the Luxembourg Stock Exchange. Any reference in this
Terms Document, the Indenture Supplement, the Asset Pool Supplement and the Indenture to the Paying Agent or the Transfer Agent shall be deemed to include BDL as co-paying agent or co-transfer agent, as the case may be, unless the context requires
otherwise. 
  
 [END OF ARTICLE II] 

 
 7 

  
 IN WITNESS WHEREOF, the parties hereto have caused this Terms Document to be duly
executed, all as of the day and year first above written. 
  
 
	 BANK ONE ISSUANCE TRUST 
 
	 
	 By:
 	 	 BANK ONE, DELAWARE, NATIONAL
 ASSOCIATION,
as Beneficiary and not in its individual
capacity
 

 
  
 
	 
	 By:
 	 	 /s/    STEPHEN R.
ETHERINGTON        
 

	  	 	 Name: Stephen R. Etherington
 Title: First Vice President
 

 
  
 
	 WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION, as Indenture Trustee
 and Collateral Agent 
 
	 
	 By:
 	 	 /s/    JENNIFER C. DAVIS
        
 

	  	 	 Name: Jennifer C. Davis
 Title:
Assistant Vice President
 

 
  

 

  
 TABLE OF CONTENTS 
  
 
	  	  	  	  	 PAGE
 

	  	  	 ARTICLE I
  
 Definitions and Other Provisions of General Application
 	  	  
	 
	 Section 1.1
 	  	 Definitions
 	  	 1
 
	 
	 Section 1.2
 	  	 Governing Law
 	  	 4
 
	 
	 Section 1.3
 	  	 Counterparts
 	  	 4
 
	 
	 Section 1.4
 	  	 Ratification of Indenture and Indenture Supplement
 	  	 4
 
	 
	  	  	 ARTICLE II
  
 The Class A(2002-4) Notes
 	  	  
	 
	 Section 2.1
 	  	 Creation and Designation
 	  	 5
 
	 
	 Section 2.2
 	  	 Specification of Required Subordinated Amount and Other Terms
 	  	 5
 
	 
	 Section 2.3
 	  	 Interest Payment
 	  	 5
 
	 
	 Section 2.4
 	  	  	  	 6
 
	 
	 Section 2.5
 	  	 Payments of Interest and Principal
 	  	 6
 
	 
	 Section 2.6
 	  	 Form of Delivery of Class A(2002-4) Notes; Depository; Denominations
 	  	 6
 
	 
	 Section 2.7
 	  	 Delivery and Payment for the Class A(2002-4) Notes
 	  	 7
 
	 
	 Section 2.8
 	  	 Supplemental Indenture
 	  	 7
 
	 
	 Section 2.9
 	  	 Appointment of co-Paying Agent and co-Transfer Agent
 	  	 7

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00044-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00044-of-00352.parquet"}]]