Document:

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                                                                    Exhibit 4.18

                              DECLARATION OF TRUST
                                       OF
                              BANK ONE CAPITAL VII

         THIS DECLARATION OF TRUST OF BANK ONE CAPITAL VII is dated as of
September 27, 2000 (this "Declaration of Trust"), by and among BANK ONE
CORPORATION, a Delaware corporation, as sponsor (the "Sponsor"), The Chase
Manhattan Bank, a New York banking corporation, as trustee (the "Institutional
Trustee"), Chase Manhattan Bank USA, National Association, a national bank with
its principal place of business in the State of Delaware, as trustee (the
"Delaware Trustee"), and Harry H. Hallowell, Laurence Goldman and M. Eileen
Kennedy, as trustees (the "Regular Trustees") (collectively with the
Institutional Trustee and the Delaware Trustee, the "Trustees"). The Sponsor and
the Trustees hereby agree as follows:

         1. The trust created hereby shall be known as "BANK ONE Capital VII"
(the "Trust"), in which name the Trustees or the Sponsor, to the extent provided
herein, may conduct the business of the Trust, make and execute contracts, and
sue and be sued.

         2. The Sponsor hereby assigns, transfers, conveys and sets over to the
Trust the sum of $10. Such amount shall constitute the initial trust estate. It
is the intention of the parties hereto that the Trust created hereby constitute
a business trust under Chapter 38 of Title 12 of the Delaware Code, 12 Del. C.
SS 3801, et seq. (the "Business Trust Act"), and that this document constitute
the governing instrument of the Trust. The Trustees are hereby authorized and
directed to execute and file a certificate of trust with the Secretary of State
of the State of Delaware in such form as the Trustees may approve.

         3. An amended and restated Declaration of Trust satisfactory to each
party to it and substantially in the form to be included as an exhibit to the
Registration Statement (the "1933 Act Registration Statement") referred to
below, or in such other form as the parties thereto may approve, will be entered
into to provide for the contemplated operation of the Trust created hereby and
the issuance of the preferred securities of the Trust and common securities of
the Trust referred to therein. Prior to the execution and delivery of such
amended and restated Declaration of Trust, the Trustees shall not have any duty
or obligation hereunder or with respect to the trust estate, except as otherwise
required by applicable law or as may be necessary to obtain prior to such
execution and delivery any licenses, consents or approvals required by
applicable law or otherwise. Notwithstanding the foregoing, the Trustees may
take all actions deemed proper as are necessary to effect the transactions
contemplated herein.

         4. The Sponsor, as the sponsor of the Trust, or any Regular Trustee,
acting individually or collectively, is hereby authorized (i) to file with the
Securities and Exchange Commission (the "Commission") and to execute, in the
case of the 1933 Act Registration Statement and 1934 Act Registration Statement
(as herein defined), on behalf of the Trust, (a) the 1933 Act Registration
Statement, including pre-effective or post-effective amendments to such
Registration Statement, relating to the registration under the Securities Act of
1933, as amended (the "1933 Act"), of the preferred securities of the Trust, (b)
any preliminary prospectus or prospectus or supplement thereto relating to the
preferred securities of the Trust required to be

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filed pursuant to the 1933 Act, and (c) a Registration Statement on Form 8-A or
other appropriate form (the "1934 Act Registration Statement") (including all
pre-effective and post-effective amendments thereto) relating to the
registration of the preferred securities of the Trust under the Securities
Exchange Act of 1934, as amended; (ii) to file with the New York Stock Exchange
or other exchange, and execute on behalf of the Trust a listing application and
all other applications, statements, certificates, agreements and other
instruments as shall be necessary or desirable to cause the preferred securities
of the Trust to be listed on the New York Stock Exchange or such other exchange;
(iii) to file and execute on behalf of the Trust such applications, reports,
surety bonds, irrevocable consents, appointments of attorney for service of
process and other papers and documents as shall be necessary or desirable to
register the preferred securities of the Trust under the securities or "Blue
Sky" laws of such jurisdictions as the Sponsor, or any Regular Trustee, acting
individually or collectively, on behalf of the Trust, may deem necessary or
desirable; and (iv) to execute, deliver and perform on behalf of the Trust an
underwriting agreement with the Sponsor and the underwriter or underwriters of
the preferred securities of the Trust. In the event that any filing referred to
in clauses (i)-(iii) above is required by the rules and regulations of the
Commission, the New York Stock Exchange or other exchange, or state securities
or Blue Sky laws to be executed on behalf of the Trust by the Trustees, the
Trustees, in their capacities as trustees of the Trust, are hereby authorized
and directed to join in any such filing and to execute on behalf of the Trust
any and all of the foregoing, it being understood that the Trustees, in their
capacities as trustees of the Trust, shall not be required to join in any such
filing or execute on behalf of the Trust any such document unless required by
the rules and regulations of the Commission, the New York Stock Exchange or
other exchange, or state securities or Blue Sky laws.

         5. This Declaration of Trust may be executed in one or more
counterparts.

         6. The number of trustees of the Trust initially shall be five and
thereafter the number of trustees of the Trust shall be such number as shall be
fixed from time to time by a written instrument signed by the Sponsor which may
increase or decrease the number of trustees of the Trust; provided, however,
that to the extent required by the Business Trust Act, one trustee of the Trust
shall either be a natural person who is a resident of the State of Delaware or,
if not a natural person, an entity which has its principal place of business in
the State of Delaware and otherwise meets the requirements of applicable law.
Subject to the foregoing, the Sponsor is entitled to appoint or remove without
cause any trustee of the Trust at any time. Any trustee of the Trust may resign
upon thirty days' prior notice to the Sponsor.

         7. The Sponsor hereby agrees to (i) reimburse the Trustees for all
reasonable expenses (including reasonable fees and expenses of counsel and other
experts) and (ii) indemnify, defend and hold harmless the Trustees and any of
the officers, directors, employees and agents of the Trustees (the "Indemnified
Persons") from and against and all losses, damages, liabilities, claims,
actions, suits, costs, expenses, disbursements (including the reasonable fees
and expenses of counsel), taxes and penalties of any kind and nature whatsoever
(collectively, "Expenses"), to the extent that such Expenses arise out of or are
imposed upon or asserted at any time against such Indemnified Persons with
respect to the performance of this Declaration of Trust, the creation, operation
or termination of the Trust or the transactions contemplated hereby; provided,
however, that the Sponsor shall not be required to indemnify any Indemnified
Person

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for any Expenses which are a result of the willful misconduct, bad faith or
gross negligence of such Indemnified Person.

         8. The Trust may be dissolved and terminated before the issuance of the
preferred securities of the Trust at the election of the Sponsor.

         9. This Declaration of Trust shall be governed by, and construed in
accordance with, the laws of the State of Delaware (without regard to conflict
of laws principles).

                            [SIGNATURE PAGES FOLLOW]

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         IN WITNESS WHEREOF, the parties hereto have caused this Declaration of
Trust to be duly executed as of the day and year first above written.

                                        BANK ONE CORPORATION, as sponsor

                                        By:  /s/  M. Eileen Kennedy
                                            -------------------------------
                                            Name: M. Eileen Kennedy
                                            Title:   Treasurer

                                        THE CHASE MANHATTAN BANK, as trustee

                                        By:  /s/  Patricia Kelly
                                            -------------------------------
                                            Name: Patricia Kelly
                                            Title: Vice President

                                        CHASE MANHATTAN BANK USA, NATIONAL
                                        ASSOCIATION, as trustee

                                        By:  /s/  John J. Cashin
                                            -------------------------------
                                            Name: John J. Cashin
                                            Title: Vice President

                                        HARRY H. HALLOWELL, as trustee

                                         /s/  Harry H. Hallowell
                                        -----------------------------------

                                         LAURENCE GOLDMAN, as trustee

                                         /s/  Laurence Goldman
                                        -----------------------------------

                                        M. EILEEN KENNEDY, as trustee

                                         /s/  M. Eileen Kennedy
                                        -----------------------------------

                                      -4-<PAGE>

                                                                    Exhibit 4.19

                              DECLARATION OF TRUST
                                       OF
                              BANK ONE CAPITAL VIII

     THIS DECLARATION OF TRUST OF BANK ONE CAPITAL VIII is dated as of September
27, 2000 (this "Declaration of Trust"), by and among BANK ONE CORPORATION, a
Delaware corporation, as sponsor (the "Sponsor"), The Chase Manhattan Bank, a
New York banking corporation, as trustee (the "Institutional Trustee"), Chase
Manhattan Bank USA, National Association, a national bank with its principal
place of business in the State of Delaware, as trustee (the "Delaware Trustee"),
and Harry H. Hallowell, Laurence Goldman and M. Eileen Kennedy, as trustees (the
"Regular Trustees") (collectively with the Institutional Trustee and the
Delaware Trustee, the "Trustees"). The Sponsor and the Trustees hereby agree as
follows:

     1. The trust created hereby shall be known as "BANK ONE Capital VIII" (the
"Trust"), in which name the Trustees or the Sponsor, to the extent provided
herein, may conduct the business of the Trust, make and execute contracts, and
sue and be sued.

     2. The Sponsor hereby assigns, transfers, conveys and sets over to the
Trust the sum of $10. Such amount shall constitute the initial trust estate. It
is the intention of the parties hereto that the Trust created hereby constitute
a business trust under Chapter 38 of Title 12 of the Delaware Code, 12 Del. C.
ss. 3801, et seq. (the "Business Trust Act"), and that this document constitute
the governing instrument of the Trust. The Trustees are hereby authorized and
directed to execute and file a certificate of trust with the Secretary of State
of the State of Delaware in such form as the Trustees may approve.

     3. An amended and restated Declaration of Trust satisfactory to each party
to it and substantially in the form to be included as an exhibit to the
Registration Statement (the "1933 Act Registration Statement") referred to
below, or in such other form as the parties thereto may approve, will be entered
into to provide for the contemplated operation of the Trust created hereby and
the issuance of the preferred securities of the Trust and common securities of
the Trust referred to therein. Prior to the execution and delivery of such
amended and restated Declaration of Trust, the Trustees shall not have any duty
or obligation hereunder or with respect to the trust estate, except as otherwise
required by applicable law or as may be necessary to obtain prior to such
execution and delivery any licenses, consents or approvals required by
applicable law or otherwise. Notwithstanding the foregoing, the Trustees may
take all actions deemed proper as are necessary to effect the transactions
contemplated herein.

     4. The Sponsor, as the sponsor of the Trust, or any Regular Trustee, acting
individually or collectively, is hereby authorized (i) to file with the
Securities and Exchange Commission (the "Commission") and to execute, in the
case of the 1933 Act Registration Statement and 1934 Act Registration Statement
(as herein defined), on behalf of the Trust, (a) the 1933 Act Registration
Statement, including pre-effective or post-effective amendments to such
Registration Statement, relating to the registration under the Securities Act of
1933, as amended (the "1933 Act"), of the preferred securities of the Trust, (b)
any preliminary prospectus or prospectus or supplement thereto relating to the
preferred securities of the Trust required to be
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filed pursuant to the 1933 Act, and (c) a Registration Statement on Form 8-A or
other appropriate form (the "1934 Act Registration Statement") (including all
pre-effective and post-effective amendments thereto) relating to the
registration of the preferred securities of the Trust under the Securities
Exchange Act of 1934, as amended; (ii) to file with the New York Stock Exchange
or other exchange, and execute on behalf of the Trust a listing application and
all other applications, statements, certificates, agreements and other
instruments as shall be necessary or desirable to cause the preferred securities
of the Trust to be listed on the New York Stock Exchange or such other exchange;
(iii) to file and execute on behalf of the Trust such applications, reports,
surety bonds, irrevocable consents, appointments of attorney for service of
process and other papers and documents as shall be necessary or desirable to
register the preferred securities of the Trust under the securities or "Blue
Sky" laws of such jurisdictions as the Sponsor, or any Regular Trustee, acting
individually or collectively, on behalf of the Trust, may deem necessary or
desirable; and (iv) to execute, deliver and perform on behalf of the Trust an
underwriting agreement with the Sponsor and the underwriter or underwriters of
the preferred securities of the Trust. In the event that any filing referred to
in clauses (i)-(iii) above is required by the rules and regulations of the
Commission, the New York Stock Exchange or other exchange, or state securities
or Blue Sky laws to be executed on behalf of the Trust by the Trustees, the
Trustees, in their capacities as trustees of the Trust, are hereby authorized
and directed to join in any such filing and to execute on behalf of the Trust
any and all of the foregoing, it being understood that the Trustees, in their
capacities as trustees of the Trust, shall not be required to join in any such
filing or execute on behalf of the Trust any such document unless required by
the rules and regulations of the Commission, the New York Stock Exchange or
other exchange, or state securities or Blue Sky laws.

     5. This Declaration of Trust may be executed in one or more counterparts.

     6. The number of trustees of the Trust initially shall be five and
thereafter the number of trustees of the Trust shall be such number as shall be
fixed from time to time by a written instrument signed by the Sponsor which may
increase or decrease the number of trustees of the Trust; provided, however,
that to the extent required by the Business Trust Act, one trustee of the Trust
shall either be a natural person who is a resident of the State of Delaware or,
if not a natural person, an entity which has its principal place of business in
the State of Delaware and otherwise meets the requirements of applicable law.
Subject to the foregoing, the Sponsor is entitled to appoint or remove without
cause any trustee of the Trust at any time. Any trustee of the Trust may resign
upon thirty days' prior notice to the Sponsor.

     7. The Sponsor hereby agrees to (i) reimburse the Trustees for all
reasonable expenses (including reasonable fees and expenses of counsel and other
experts) and (ii) indemnify, defend and hold harmless the Trustees and any of
the officers, directors, employees and agents of the Trustees (the "Indemnified
Persons") from and against and all losses, damages, liabilities, claims,
actions, suits, costs, expenses, disbursements (including the reasonable fees
and expenses of counsel), taxes and penalties of any kind and nature whatsoever
(collectively, "Expenses"), to the extent that such Expenses arise out of or are
imposed upon or asserted at any time against such Indemnified Persons with
respect to the performance of this Declaration of Trust, the creation, operation
or termination of the Trust or the transactions contemplated hereby; provided,
however, that the Sponsor shall not be required to indemnify any Indemnified
Person

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<PAGE>

for any Expenses which are a result of the willful  misconduct,  bad faith or
gross negligence of such Indemnified Person.

     8. The Trust may be dissolved and terminated before the issuance of the
preferred securities of the Trust at the election of the Sponsor.

     9. This Declaration of Trust shall be governed by, and construed in
accordance with, the laws of the State of Delaware (without regard to conflict
of laws principles).

                            [SIGNATURE PAGES FOLLOW]

                                      -3-
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have caused this Declaration of
Trust to be duly executed as of the day and year first above written.

                                        BANK ONE CORPORATION, as sponsor

                                        By:   /s/ M. Eileen Kennedy
                                            -------------------------------
                                            Name:  M. Eileen Kennedy
                                            Title: Treasurer

                                        THE CHASE MANHATTAN BANK, as trustee

                                        By:   /s/ Patricia Kelly
                                            -------------------------------
                                            Name:  Patricia Kelly
                                            Title: Vice President

                                        CHASE MANHATTAN BANK USA, NATIONAL
                                        ASSOCIATION, as trustee

                                        By:   /s/ John J. Cashin
                                            -------------------------------
                                            Name:  John J. Cashin
                                            Title: Vice President

                                        HARRY H. HALLOWELL, as trustee

                                        /s/ Harry H. Hallowell
                                        -----------------------------------

                                        LAURENCE GOLDMAN, as trustee

                                        /s/ Laurence Goldman
                                        -----------------------------------

                                        M. EILEEN KENNEDY, as trustee

                                        /s/ M. Eileen Kennedy
                                        -----------------------------------

                                      -4-

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