Document:

<PAGE>   1
                                                                     EXHIBIT 4.3

                             WASHINGTON MUTUAL, INC.

                                       AND

                    HARRIS TRUST AND SAVINGS BANK, AS TRUSTEE

                                ----------------

                             Senior Debt Securities

                                    Indenture

                                ----------------

                             Dated as of _____, 200_

<PAGE>   2

     INDENTURE, dated as of ______, 200_ (the "Indenture"), between WASHINGTON
MUTUAL, INC., a corporation duly organized and existing under the laws of the
State of Washington (herein called the "Company"), having its principal offices
at 1201 Third Avenue, Seattle, Washington 98101, and HARRIS TRUST AND SAVINGS
BANK, an Illinois banking corporation, as Trustee (herein called the "Trustee").

                             RECITALS OF THE COMPANY

     The Company has duly authorized the execution and delivery of this
Indenture to provide for the issuance from time to time of its unsecured
debentures, notes or other obligations for money so borrowed (herein called the
"Securities"), to be issued in one or more series as in this Indenture provided.

     All things necessary to make this Indenture a valid agreement of the
Company, in accordance with its terms, have been done.

                   NOW, THEREFORE, THIS INDENTURE WITNESSETH:

     For and in consideration of the premises and the purchase of the Securities
by the Holders thereof, it is mutually covenanted and agreed, for the equal and
proportionate benefit of all Holders of the Securities or of any series thereof,
as follows:

PARAGRAPH A. INCORPORATION BY REFERENCE

     Articles I through XIV of the Washington Mutual, Inc. Standard
Multiple-Series Indenture Provisions dated as of __________, 200_ (herein called
the "Standard Provisions"), a copy of which is attached hereto as Annex "A", are
hereby incorporated herein by reference with the same force and effect as though
fully set out herein.

PARAGRAPH B. ADDITIONAL PROVISIONS

     1. Section 2.2 of the Standard Provisions is hereby amended by deleting the
words "[full name of Trustee] " and inserting the words "Harris Trust and
Savings Bank."

     2. Section 1.5, subsection (b), of the Standard Provisions is hereby
amended by deleting the words "the address of its principal office specified in
the first paragraph of this instrument" and inserting the words 1201 Third
Avenue, Suite 1500, Seattle, Washington 98101, Attention: Treasurer, with a copy
to the same address, Attention: Senior Executive Vice President and General
Counsel."

     3. The following provision, which constitutes part of this Indenture, is
numbered to conform with the format of the Standard Provisions.

          Section 6.15. Corporate Trust Office. At the date of this Indenture,
     the Corporate Trust Office of the Trustee is located at 311 West Monroe,
     12th Floor, Chicago, Illinois 60606.

                                       1
<PAGE>   3

          IN WITNESS WHEREOF, the parties hereto have caused this Indenture to
     be duly executed, and their respective corporate seals to be hereunto
     affixed and attested, all as of the day and year first above written.

                                        WASHINGTON MUTUAL, INC.

                                        By
                                           -------------------------------------
                                           Title: Authorized Signatory

[SEAL]

Attest

------------------------------------
Title:

                                        HARRIS TRUST AND SAVINGS BANK,
                                        as Trustee

                                        By
                                           -------------------------------------
                                           Title: Authorized Signatory

[SEAL]

Attest

------------------------------------
Title:

                                       2
<PAGE>   4

STATE OF WASHINGTON   )
                      ) ss
COUNTY OF KING        )

     On the __ day of________, 200_, before me personally came
_____________________ to me known, who, being by me duly sworn, did depose and
say that he/she is _________________________________ of WASHINGTON MUTUAL, INC.,
one of the corporations described in and which executed the foregoing
instrument; that he knows the seal of said corporation; that the seal affixed to
said instrument is such corporate seal; that it was so affixed by authority of
the Board of Directors of said corporation, and that he signed his name thereto
by like authority.

                                        ----------------------------------------
                                        Notary Public

                                       3
<PAGE>   5

     IN WITNESS WHEREOF, the parties hereto have caused this Indenture to be
duly executed, and their respective corporate seals to be hereunto affixed and
attested, all as of the day and year first above written.

                                        WASHINGTON MUTUAL, INC.

                                        By:
                                            ------------------------------------
                                            Title:  Authorized Signatory

[SEAL]

Attest

Title:

                                        HARRIS TRUST AND SAVINGS BANK,
                                        as Trustee

                                        By:
                                            ------------------------------------
                                            Title:  Authorized Signatory

[SEAL]

Attest

Title:

                                       4
<PAGE>   6

STATE OF ILLINOIS  )
                   )  ss
COUNTY OF COOK     )

     On the __ day of ____, 200_, before me personally came
__________________________ to me known, who, being by me duly sworn, did depose
and say that he/she is ______________________ of HARRIS TRUST AND SAVINGS BANK,
one of the corporations described in and which executed the foregoing
instrument; that he/she knows the seal of said corporation; that the seal
affixed to said instrument is such corporate seal; that it was so affixed by
authority of the Board of Directors of said corporation, and that he/she signed
his/her name thereto by like authority.

                                        ----------------------------------------
                                        Notary Public

                                       5<PAGE>   1
                                                                     EXHIBIT 4.4

                             WASHINGTON MUTUAL, INC.

                                       AND

                    HARRIS TRUST AND SAVINGS BANK, AS TRUSTEE

                                ----------------

                          Subordinated Debt Securities

                                    Indenture

                                ----------------

                           Dated as of ________, 200_

<PAGE>   2

     INDENTURE, dated as of ________, 200_ (the "Indenture"), between WASHINGTON
MUTUAL, INC., a corporation duly organized and existing under the laws of the
State of Washington (herein called the "Company"), having its principal offices
at 1201 Third Avenue, Seattle, Washington 98101, and HARRIS TRUST AND SAVINGS
BANK, an Illinois banking corporation, as Trustee (herein called the "Trustee").

                             RECITALS OF THE COMPANY

     The Company has duly authorized the execution and delivery of this
Indenture to provide for the issuance from time to time of its subordinated and
unsecured debentures, notes or other obligations for money so borrowed (herein
called the "Securities"), to be issued in one or more series as in this
Indenture provided.

     All things necessary to make this Indenture a valid agreement of the
Company, in accordance with its terms, have been done.

                   NOW, THEREFORE, THIS INDENTURE WITNESSETH:

     For and in consideration of the premises and the purchase of the Securities
by the Holders thereof, it is mutually covenanted and agreed, for the equal and
proportionate benefit of all Holders of the Securities or of any series thereof,
as follows:

PARAGRAPH A. INCORPORATION BY REFERENCE

     Articles I through XIV of the Washington Mutual, Inc. Standard
Multiple-Series Indenture Provisions dated as of ____ __, 200_ (herein called
the "Standard Provisions") , a copy of which is attached hereto as Annex "A",
are hereby incorporated herein by reference with the same force and effect as
though fully set out herein.

PARAGRAPH B. ADDITIONAL PROVISIONS

     1. Section 1.11 of the Standard Provisions is hereby amended by inserting
", holders of Senior Debt" after the word "hereunder" on the third line thereof.

     2. Section 2.2 of the Standard Provisions is hereby amended by deleting the
words "[full name of Trustee] " and inserting the words "Harris Trust and
Savings Bank."

     3. Section 1.5, subsection (b), of the Standard Provisions is hereby
amended by deleting the words "the address of its principal office specified in
the first paragraph of this instrument" and inserting the words 1201 Third
Avenue, Suite 1500, Seattle, Washington 98101, Attention: Treasurer, with a copy
to the same address, Attention: Senior Executive Vice President and General
Counsel."

     4. The following provision, which constitutes part of this Indenture, is
numbered to conform with the format of the Standard Provisions.

          Section 6.15. Corporate Trust Office. At the date of this Indenture,
     the Corporate Trust Office of the Trustee is located at 311 West Monroe,
     12th Floor, Chicago, Illinois 60606.

                                       1
<PAGE>   3

     IN WITNESS WHEREOF, the parties hereto have caused this Indenture to be
duly executed, and their respective corporate seals to be hereunto affixed and
attested, all as of the day and year first above written.

                                        WASHINGTON MUTUAL, INC.

                                        By
                                           -------------------------------------
                                           Title: Authorized Signatory

[SEAL]

Attest

------------------------------------
Title:

                                        HARRIS TRUST AND SAVINGS BANK,
                                        as Trustee

                                        By
                                           -------------------------------------
                                           Title: Authorized Signatory

[SEAL]

Attest

------------------------------------
Title:

                                       2
<PAGE>   4

STATE OF WASHINGTON   )
                      ) ss
COUNTY OF KING        )

     On the __ day of_________, 200_, before me personally came
__________________________ to me known, who, being by me duly sworn, did depose
and say that he is Senior Vice President and Treasurer of WASHINGTON MUTUAL,
INC., one of the corporations described in and which executed the foregoing
instrument; that he knows the seal of said corporation; that the seal affixed to
said instrument is such corporate seal; that it was so affixed by authority of
the Board of Directors of said corporation, and that he signed his name thereto
by like authority.

                                        ----------------------------------------
                                        Notary Public

                                       3
<PAGE>   5

     IN WITNESS WHEREOF, the parties hereto have caused this Indenture to be
duly executed, and their respective corporate seals to be hereunto affixed and
attested, all as of the day and year first above written.

                                        WASHINGTON MUTUAL, INC.

                                        By
                                           -------------------------------------
                                           Title: Authorized Signatory

[SEAL]

Attest

------------------------------------
Title:

                                        HARRIS TRUST AND SAVINGS BANK,
                                        as Trustee

                                        By
                                           -------------------------------------
                                           Title: Authorized Signatory

[SEAL]

Attest

------------------------------------
Title:

                                       4
<PAGE>   6

STATE OF ILLINOIS  )
                   ) ss
COUNTY OF COOK     )

     On the __ day of _______, 200_, before me personally came
________________________ to me known, who, being by me duly sworn, did depose
and say that he/she is __________________________ of HARRIS TRUST AND SAVINGS
BANK, one of the corporations described in and which executed the foregoing
instrument; that he/she knows the seal of said corporation; that the seal
affixed to said instrument is such corporate seal; that it was so affixed by
authority of the Board of Directors of said corporation, and that he/she signed
his/her name thereto by like authority.

                                        ----------------------------------------
                                        Notary Public

                                       5

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