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                                                                     Exhibit 4.1

                              AMENDED AND RESTATED

                            ARTICLES OF INCORPORATION

                                       OF

                    DEVELOPERS DIVERSIFIED REALTY CORPORATION

                  The undersigned, desiring to form a corporation for profit
under Sections 1701.01 to 1701.98, inclusive, of the Ohio Revised Code, does
hereby certify:

                  FIRST: The name of the Corporation shall be Developers
Diversified Realty Corporation.

                  SECOND: The place in the State of Ohio where the principal
office of the Corporation is located is Beachwood, Cuyahoga County.

                  THIRD: The purpose of the Corporation is to engage in any
lawful act or activity for which corporations may be formed under Sections
1701.01 to 1701.98, inclusive of the Ohio Revised Code.

                  FOURTH: The authorized number of shares of the Corporation is
109,000,000, consisting of 100,000,000 Common Shares, without par value
(hereinafter called "Common Shares"), 750,000 Class A Cumulative Preferred
Shares, without par value (hereinafter called "Class A Shares"), 750,000 Class B
Cumulative Preferred Shares, without par value (hereinafter called "Class B
Shares"), 750,000 Class C Cumulative Preferred Shares, without par value
(hereinafter called "Class C Shares"), 750,000 Class D Cumulative Preferred
Shares, without par value (hereinafter called "Class D Shares"), 750,000 Class E
Cumulative Preferred Shares, without par value (hereinafter called "Class E
Shares"), 750,000 Class F Cumulative Preferred Shares, without par value
(hereinafter called "Class F Shares"), 750,000 Class G Cumulative Preferred
Shares, without par value (hereinafter called "Class G Shares"), 750,000 Class H
Cumulative Preferred Shares, without par value (hereinafter called "Class H
Shares"), 750,000 Class I Cumulative Preferred Shares, without par value
(hereinafter called "Class I Shares"), 750,000 Class J Cumulative Preferred
Shares, without par value (hereinafter called "Class J Shares"), 750,000 Class K
Cumulative Preferred Shares, without par value (hereinafter called "Class K
Shares"), and 750,000 Noncumulative Preferred Shares, without par value
(hereinafter called "Noncumulative Shares"). The Class A Shares, Class B Shares,
Class C Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
Class H Shares, Class I Shares, Class J Shares and Class K Shares are sometimes
collectively referred to herein as the "Cumulative Shares."

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                                   DIVISION A

         I.       The Class A Cumulative Preferred Shares. The Class A Shares
shall have the following express terms:

                  Section 1. Series. The Class A Shares may be issued from time
         to time in one or more series. All Class A Shares shall be of equal
         rank and shall be identical, except in respect of the matters that may
         be fixed by the Board of Directors as hereinafter provided, and each
         share of a series shall be identical with all other shares of such
         series, except as to the dates from which dividends shall accrue and be
         cumulative. All Class A Shares shall rank on a parity with the Class B
         Shares, Class C Shares, Class D Shares, Class E Shares, Class F Shares,
         Class G Shares, Class H Shares, Class I Shares, Class J Shares, Class K
         Shares and Noncumulative Shares and shall be identical to all Class B
         Shares, Class C Shares, Class D Shares, Class E Shares, Class F Shares,
         Class G Shares, Class H Shares, Class I Shares, Class J Shares, Class K
         Shares and Noncumulative Shares except (1) in respect of the matters
         that may be fixed by the Board of Directors as provided in clauses (a)
         through (i), inclusive, of this Section 1 and (2) only dividends on the
         Cumulative Shares shall be cumulative as set forth herein. Subject to
         the provisions of Sections 2 through 5, both inclusive, and Item XIII
         of this Division, which provisions shall apply to all Class A Shares,
         the Board of Directors hereby is authorized to cause such shares to be
         issued in one or more series and, with respect to each such series to
         determine and fix prior to the issuance thereof (and thereafter, to the
         extent provided in clause (b) of this Section), the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

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                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item I) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), inclusive, of this Section and is authorized to take such actions
with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Class A Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class A Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class A Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for the dividend periods terminating on the same or any
         earlier date, ratably in proportion to the respective annual dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class A Shares of all series then issued and outstanding
         and entitled to receive such dividend and (ii) the dividends payable
         for the dividend periods terminating on the same or any earlier date
         (but, with respect to Noncumulative Shares, only with respect to the
         then current dividend period), ratably in proportion to the respective
         dividend rates fixed therefor, shall have been paid upon or declared or
         set apart for all Class B Shares, Class C Shares, Class D Shares, Class
         E Shares, Class F Shares, Class G Shares, Class H Shares, Class I
         Shares, Class J Shares, Class K Shares and Noncumulative Shares then
         issued and outstanding and entitled to receive such dividends.

                  (b) So long as any Class A Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class A Shares, shall be paid or declared or any
         distribution be made, except as

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         aforesaid, in respect of the Common Shares or any other shares ranking
         junior to the Class A Shares, nor shall any Common Shares or any other
         shares ranking junior to the Class A Shares be purchased, retired or
         otherwise acquired by the Corporation, except out of the proceeds of
         the sale of Common Shares or other shares of the Corporation ranking
         junior to the Class A Shares received by the Corporation subsequent to
         the date of first issuance of Class A Shares of any series, unless:

                  (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                  (2) All unpaid dividends on Noncumulative Shares for the then
         current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                  (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item I.

              (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class A Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares, or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as amended, with respect to any other class
         or series of capital stock hereafter created or authorized.

              (d) If, for any taxable year, the Corporation elects to designate
         as "capital gain dividends" (as defined in Section 857 of the Code) any
         portion (the "Capital Gains Amount") of the dividends paid or made
         available for the year to holders of all classes of stock (the "Total
         Dividends"), then, to the extent permissible under the Code and to the
         extent it does not cause any dividends to fail to qualify for the
         dividends paid deduction under Section 561 of the Code, the portion of
         the Capital Gains Amount that shall be allocable to holders of the
         Class A Shares shall be the amount that the total dividends paid or
         made available to the holders of the Class A Shares for the year bears
         to the Total Dividends.

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         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class A
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item I; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class A Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item I; and shall in each case pay
         all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class A Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item I prior to the issuance thereof. At any time after notice
         as provided above has been deposited in the mail, the Corporation may
         deposit the aggregate redemption price of Class A Shares to be
         redeemed, together with accrued and unpaid dividends thereon to the
         redemption date, with any bank or trust company in Cleveland, Ohio, or
         New York, New York, having capital and surplus of not less than
         $100,000,000 named in such notice and direct that there be paid to the
         respective holders of the Class A Shares so to be redeemed amounts
         equal to the redemption price of the Class A Shares so to be redeemed,
         together with such accrued and unpaid dividends thereon, on surrender
         of the share certificate or certificates held by such holders; and upon
         the deposit of such notice in the mail and the making of such deposit
         of money with such bank or trust company, such holders shall cease to
         be shareholders with respect to such shares; and from and after the
         time such notice shall have been so deposited and such deposit of money
         shall have been so made, such holders shall have no rights or claim
         against the Corporation with respect to such shares, except only the
         right to receive such money from such bank or trust company without
         interest or to exercise before the redemption date any unexpired
         privileges of conversion. In the event less than all of the outstanding
         Class A Shares are to be redeemed, the Corporation shall select by lot
         the shares so to be redeemed in such manner as shall be prescribed by
         the Board of Directors.

                      (2) If the holders of Class A Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

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                  (c) Any Class A Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class A Shares without
         serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class A Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class A Shares, unless
         all dividends on all Class A Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class A Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class A Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item I, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are
         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class A Shares of the
         full preferential amounts as aforesaid, the holders of Class A Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                      (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

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         Section 5. Voting.

                  (a) The holders of Class A Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class A Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of such Class A
         Shares, voting separately as a class, together with all Class B Shares,
         Class C Shares, Class D Shares, Class E Shares, Class F Shares, Class G
         Shares, Class H Shares, Class I Shares, Class J Shares, Class K Shares
         and Noncumulative Shares upon which like voting rights have been
         conferred and are exercisable under the circumstances described in
         Subsection 5(c), shall be entitled to elect, as herein provided, a
         total of two members of the Board of Directors of the Corporation;
         provided, however, that the holders of such Class A Shares shall not
         exercise such special class voting rights except at meetings of such
         shareholders for the election of directors at which the holders of not
         less than 50% of such Class A Shares are present in person or by proxy;
         and provided further that the special class voting rights provided for
         in this paragraph when the same shall have become vested shall remain
         so vested until all accrued and unpaid dividends on such Class A Shares
         then outstanding shall have been paid or declared and a sum sufficient
         for the payment thereof set aside for payment, whereupon the holders of
         such Class A Shares shall be divested of their special class voting
         rights in respect of subsequent elections of directors, subject to the
         revesting of such special class voting rights in the event above
         specified in this paragraph.

                      (2) In the event of default entitling holders of Class A
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class A Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class A
         Shares. At any meeting at which such holders of Class A Shares shall be
         entitled to elect directors, holders of 50% of such Class A Shares,
         present in person or by proxy, shall be sufficient to constitute a
         quorum, and the vote of the holders of a majority of such shares so
         present at any such meeting at which there shall be such a quorum shall
         be sufficient to elect the members of the Board of Directors which such
         holders of Class A Shares are entitled to elect as herein provided.
         Notwithstanding any provision of these Amended and Restated Articles of
         Incorporation, as amended, or the Code of Regulations of the
         Corporation or any action taken by the holders of any class of shares
         fixing the number of directors of

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         the Corporation, the two directors who may be elected by such holders
         of Class A Shares pursuant to this Subsection shall serve in addition
         to any other directors then in office or proposed to be elected
         otherwise than pursuant to this Subsection. Nothing in this Subsection
         shall prevent any change otherwise permitted in the total number of or
         classifications of directors of the Corporation or require the
         resignation of any director elected otherwise than pursuant to this
         Subsection. Notwithstanding any classification of the other directors
         of the Corporation, the two directors elected by such holders of Class
         A Shares shall be elected annually for terms expiring at the next
         succeeding annual meeting of shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Class A Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,
         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Class A Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class B Shares, Class C Shares, Class D
         Shares, Class E Shares, Class F Shares, Class G Shares, Class H Shares,
         Class I Shares, Class J Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and Noncumulative Shares then entitled to vote
         shall be combined (with each class of shares having a number of votes
         proportional to the aggregate liquidation preference of its outstanding
         shares). In such case, the holders of Class A Shares and of all such
         other shares then entitled so to vote, voting as a class, shall elect
         such directors. If the holders of any such other shares have elected
         such directors prior to the happening of the default or event
         permitting the holders of Class A Shares to elect directors, or prior
         to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class A
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class A Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the

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         Corporation which affects adversely and materially the preferences or
         voting or other rights of the holders of Class A Shares which are set
         forth in these Amended and Restated Articles of Incorporation, as
         amended; provided, however, neither the amendment of these Amended and
         Restated Articles of Incorporation, as amended, so as to authorize,
         create or change the authorized or outstanding number of Class A Shares
         or of any shares ranking on a parity with or junior to the Class A
         Shares nor the amendment of the provisions of the Code of Regulations
         so as to change the number or classification of directors of the
         Corporation shall be deemed to affect adversely and materially
         preferences or voting or other rights of the holders of Class A Shares;
         or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class A Shares.

                  (e) In the event, and only to the extent, that (1) Class A
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class A Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class A Shares or of any shares ranking on a parity with or junior to
         the Class A Shares nor the Amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         the preferences or voting or other rights of the holders of such
         series.

         Section 6. 9 1/2% Class A Cumulative Redeemable Preferred Shares. Of
    the 750,000 authorized Class A Shares, 460,000 shares are designated as a
    series entitled "9 1/2% Class A Cumulative Redeemable Preferred Shares"
    (hereinafter called "9 1/2% Class A Preferred Shares"). The 9 1/2% Class A
    Preferred Shares shall have the express terms set forth in this Item I as
    being applicable to all Class A Shares as a class and, in addition, the
    following express terms applicable to all 9 1/2% Class A Preferred Shares as
    a series of Class A Shares:

                  (a) The annual dividend rate of the 9 1/2% Class A Preferred
         Shares shall be 9 1/2% of the liquidation preference of $250.00 per
         share.

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                  (b) Dividends on the 9 1/2% Class A Preferred Shares shall be
         payable, if declared, quarterly on or about the 15th day of March,
         June, September, and December each year, the first quarterly dividend
         being payable, if declared, on December 15, 1995. The dividends payable
         for each full quarterly dividend period on each 9 1/2% Class A
         Preferred Share shall be $5.94.

                  Dividends for the initial dividend period on the 9 1/2% Class
         A Preferred Shares, or for any period shorter or longer than a full
         dividend period on the 9 1/2% Class A Preferred Shares, shall be
         computed on the basis of a 360-day year consisting of twelve 30-day
         months. The aggregate dividend payable quarterly to each holder of 9
         1/2% Class A Preferred Shares shall be rounded to the nearest
         one-hundredth of one cent with $.00005 being rounded upward. Each
         dividend shall be payable to the holders of record on such record date,
         no less than 10 nor more than 30 days preceding the payment date
         thereof, as shall be fixed from time to time by the Corporation's Board
         of Directors.

                  (c) Dividends on 9 1/2% Class A Preferred Shares shall be
         cumulative as follows:

                      (1) With respect to shares included in the initial issue
         of 9 1/2% Class A Preferred Shares and shares issued any time
         thereafter up to and including the record date for the payment of the
         first dividend on the initial issue of 9 1/2% Class A Preferred Shares,
         dividends shall be cumulative from the date of the initial issue of 9
         1/2% Class A Preferred Shares; and

                      (2) With respect to shares issued any time after the
         aforesaid record date, dividends shall be cumulative from the dividend
         payment date next preceding the date of issue of such shares, except
         that if such shares are issued during the period commencing the day
         after the record date for the payment of a dividend on 9 1/2% Class A
         Preferred Shares and ending on the payment date of that dividend,
         dividends with respect to such shares shall be cumulative from that
         dividend payment date.

                  (d) Except as required to preserve the Corporation's status as
         a real estate investment trust under the Internal Revenue Code of 1986,
         as amended, the 9 1/2% Class A Preferred Shares may not be redeemed
         prior to November 15, 2000. At any time or from time to time on and
         after November 15, 2000 the Corporation, at its option upon not less
         than thirty (30) nor more than sixty (60) days' written notice, may
         redeem all or any part of the 9 1/2% Class A Preferred Shares at a
         redemption price of $250.00 per share plus, in each case, an amount
         equal to all dividends accrued and unpaid thereon to the redemption
         date, without interest. The redemption price (other than the portion
         thereof consisting of accrued and unpaid dividends) is payable solely
         out of the sale proceeds of other capital shares of the Corporation,
         which may include any equity securities (including common shares and
         preferred shares), shares, interests, participation or other ownership
         interests (however designated) and any rights (other than debt
         securities

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         convertible into or exchangeable for equity securities), or options to
         purchase any of the foregoing.

                  (e) The amount payable per 9 1/2% Class A Preferred Share in
         the event of any voluntary or involuntary liquidation, dissolution or
         winding up of the affairs of the Corporation shall be $250.00, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment.

                  (f) All dividend payments made on the 9 1/2% Class A Preferred
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such 9 1/2% Class A Preferred Shares for any
         dividend period, shall, for the purposes of Section 5(b)(1) of this
         Item I, be deemed to be made in respect of the earliest dividend period
         with respect to which the Corporation is in default.

   II.   The Class B Cumulative Preferred Shares. The Class B Cumulative
Preferred Shares shall have the following express terms:

         Section 1. Series. The Class B Shares may be issued from time to time
    in one or more series. All Class B Shares shall be of equal rank and shall
    be identical, except in respect of the matters that may be fixed by the
    Board of Directors as hereinafter provided, and each share of a series shall
    be identical with all other shares of such series, except as to the dates
    from which dividends shall accrue and be cumulative. All Class B Shares
    shall rank on a parity with the Class A Shares, Class C Shares, Class D
    Shares, Class E Shares, Class F Shares, Class G Shares, Class H Shares,
    Class I Shares, Class J Shares, Class K Shares and Noncumulative Shares and
    shall be identical to all Class A Shares, Class C Shares, Class D Shares,
    Class E Shares, Class F Shares, Class G Shares, Class H Shares, Class I
    Shares, Class J Shares, Class K Shares and Noncumulative Shares except (1)
    in respect of the matters that may be fixed by the Board of Directors as
    provided in clauses (a) through (i), inclusive, of this Section 1 and (2)
    only dividends on the Cumulative Shares are cumulative as set forth herein.
    Subject to the provisions of Sections 2 through 5, both inclusive, and Item
    XIII of this Division, which provisions shall apply to all Class B Shares,
    the Board of Directors hereby is authorized to cause such shares to be
    issued in one or more series and with respect to each such series to
    determine and fix prior to the issuance thereof (and thereafter, to the
    extent provided in clause (b) of this Section), the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                                       11
<PAGE>

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item II) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), both inclusive, of this Section and is authorized to take such
actions with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Class B Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class B Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class B Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for the dividend periods terminating on the same or any
         earlier date, ratably in proportion to the respective annual dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class B Shares of all series then issued and outstanding
         and entitled to receive such dividend and (ii) the dividends payable
         for the dividend periods terminating on the same or any earlier date
         (but, with respect to the Noncumulative Shares, only with respect to
         the then current

                                       12
<PAGE>

         dividend period), ratably in proportion to the respective dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class A Shares, Class C Shares, Class D Shares, Class E
         Shares, Class F Shares, Class G Shares, Class H Shares, Class I Shares,
         Class J Shares, Class K Shares and Noncumulative Shares then issued and
         outstanding and entitled to receive such dividends.

                  (b) So long as any Class B Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class B Shares, shall be paid or declared or any
         distribution be made, except as aforesaid, in respect of the Common
         Shares or any other shares ranking junior to the Class B Shares, nor
         shall any Common Shares or any other shares ranking junior to the Class
         B Shares be purchased, retired or otherwise acquired by the
         Corporation, except out of the proceeds of the sale of Common Shares or
         other shares of the Corporation ranking junior to the Class B Shares
         received by the Corporation subsequent to the date of first issuance of
         Class B Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment thereof set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item II.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption, retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class B Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as amended, with respect to any other class
         or series of capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under

                                       13
<PAGE>

         the Code and to the extent that it does not cause any dividends to fail
         to qualify for the dividends paid deduction under Section 561 of the
         Code, the portion of the Capital Gains Amount that shall be allocable
         to holders of the Class B Shares shall be the amount that the total
         dividends paid or made available to the holders of the Class B Shares
         for the year bears to the Total Dividends.

                                       14
<PAGE>

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class B
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item II; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class B Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item II; and shall in each case pay
         all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class B Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item II prior to the issuance thereof. At any time after notice
         as provided above has been deposited in the mail, the Corporation may
         deposit the aggregate redemption price of Class B Shares to be
         redeemed, together with accrued and unpaid dividends thereon to the
         redemption date, with any bank or trust company in Cleveland, Ohio, or
         New York, New York, having capital and surplus of not less than
         $100,000,000 named in such notice and direct that there be paid to the
         respective holders of the Class B Shares so to be redeemed amounts
         equal to the redemption price of the Class B Shares so to be redeemed,
         together with such accrued and unpaid dividends thereon, on surrender
         of the share certificate or certificates held by such holders; and upon
         the deposit of such notice in the mail and the making of such deposit
         of money with such bank or trust company, such holders shall cease to
         be shareholders with respect to such shares; and from and after the
         time such notice shall have been so deposited and such deposit of money
         shall have been so made, such holders shall have no rights or claim
         against the Corporation with respect to such shares, except only the
         right to receive such money from such bank or trust company without
         interest or to exercise before the redemption date any unexpired
         privileges of conversion. In the event less than all of the outstanding
         Class B Shares are to be redeemed, the Corporation shall select by lot
         the shares so to be redeemed in such manner as shall be prescribed by
         the Board of Directors.

                      (2) If the holders of Class B Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

                                       15
<PAGE>

                  (c) Any Class B Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class B Shares without
         serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class B Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class B Shares, unless
         all dividends on all Class B Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class B Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class B Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item II, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are
         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class B Shares of the
         full preferential amounts as aforesaid, the holders of Class B Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

                                       16
<PAGE>

         Section 5. Voting.

                  (a) The holders of Class B Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class B Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of Class B Shares,
         voting separately as a class, together with all Class A Shares, Class C
         Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
         Class H Shares, Class I Shares, Class J Shares, Class K Shares and
         Noncumulative Shares upon which like voting rights have been conferred
         and are exercisable under the circumstances described in Subsection
         5(c), shall be entitled to elect, as herein provided, a total of two
         members of the Board of Directors of the Corporation; provided,
         however, that the holders of such Class B Shares shall not exercise
         such special class voting rights except at meetings of such
         shareholders for the election of directors at which the holders of not
         less than 50% of such Class B Shares are present in person or by proxy;
         and provided further that the special class voting rights provided for
         in this paragraph when the same shall have become vested shall remain
         so vested until all accrued and unpaid dividends on such Class B Shares
         then outstanding shall have been paid or declared and a sum sufficient
         therefor set aside for payment, whereupon the holders of such Class B
         Shares shall be divested of their special class voting rights in
         respect of subsequent elections of directors, subject to the revesting
         of such special class voting rights in the event above specified in
         this paragraph.

                      (2) In the event of default entitling holders of Class B
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class B Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class B
         Shares. At any meeting at which such holders of Class B Shares shall be
         entitled to elect directors, holders of 50% of such Class B Shares,
         present in person or by proxy, shall be sufficient to constitute a
         quorum, and the vote of the holders of a majority of such shares so
         present at any such meeting at which there shall be such a quorum shall
         be sufficient to elect the members of the Board of Directors which such
         holders of Class B Shares are entitled to elect as herein provided.
         Notwithstanding any provision of these Amended and Restated Articles of
         Incorporation, as amended, or the Code of Regulations of the
         Corporation or any action taken by the holders of any class of shares
         fixing the number of directors of the Corporation, the two directors
         who may be elected by such holders of Class B

                                       17
<PAGE>
         Shares pursuant to this Subsection shall serve in addition to any other
         directors then in office or proposed to be elected otherwise than
         pursuant to this Subsection. Nothing in this Subsection shall prevent
         any change otherwise permitted in the total number of or
         classifications of directors of the Corporation nor require the
         resignation of any director elected otherwise than pursuant to this
         Subsection. Notwithstanding any classification of the other directors
         of the Corporation, the two directors elected by such holders of Class
         B Shares shall be elected annually for terms expiring at the next
         succeeding annual meeting of shareholders.

                  (3) Upon any divesting of the special class voting rights of
         the holders of the Class B Shares in respect of elections of directors
         as provided in this Subsection, the terms of office of all directors
         then in office elected by such holders shall terminate immediately
         thereupon. If the office of any director elected by such holders voting
         as a class becomes vacant by reason of death, resignation, removal from
         office or otherwise, the remaining director elected by such holders
         voting as a class may elect a successor who shall hold office for the
         unexpired term in respect of which such vacancy occurred.

                  (c) If at any time when the holders of Class B Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class C Shares, Class D
         Shares, Class E Shares, Class F Shares, Class G Shares, Class H Shares,
         Class I Shares, Class J Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with class of shares having a number of votes
         proportional to the aggregate liquidation preference of its outstanding
         shares). In such case, the holders of Class B Shares and of all such
         other shares then entitled so to vote, voting as a class, shall elect
         such directors. If the holders of any such other shares have elected
         such directors prior to the happening of the default or event
         permitting the holders of Class B Shares to elect directors, or prior
         to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class B
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class B Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or

                                       18
<PAGE>

         other rights of the holders of Class B Shares which are set forth in
         these Amended and Restated Articles of Incorporation, as amended;
         provided, however, neither the amendment of these Amended and Restated
         Articles of Incorporation, as amended, so as to authorize, create or
         change the authorized or outstanding number of Class B Shares or of any
         shares ranking on a parity with or junior to the Class B Shares nor the
         amendment of the provisions of the Code of Regulations so as to change
         the number or classification of directors of the Corporation shall be
         deemed to affect adversely and materially preferences or voting or
         other rights of the holders of Class B Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such Class B Shares.

                  (e) In the event, and only to the extent, that (1) Class B
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class B Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class B Shares or of any shares remaining on a parity with or junior to
         the Class B Shares nor the amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         preferences or voting or other rights of the holders of such series.

         Section 6. 9.44% Class B Cumulative Redeemable Preferred Shares. Of the
    750,000 authorized Class B Shares, 177,500 shares are designated as a series
    entitled "9.44% Class B Cumulative Redeemable Preferred Shares" (hereinafter
    called "9.44% Class B Preferred Shares"). The 9.44% Class B Preferred Shares
    shall have the express terms set forth in this Item II as being applicable
    to all Class B Shares as a class and, in addition, the following express
    terms applicable to all 9.44% Class B Preferred Shares as a series of Class
    B Shares:

                  (a) The annual dividend rate of the 9.44% Class B Preferred
         Shares shall be 9.44% of the liquidation preference of $250.00 per
         share.

                  (b) Dividends on the 9.44% Class B Preferred Shares shall be
         payable, if declared, quarterly on or about the 15th day of March,
         June, September, and

                                       19
<PAGE>

         December each year, the first quarterly dividend being payable, if
         declared, on March 15, 1996. The dividends payable for each full
         quarterly dividend period on each 9.44% Class B Preferred Share shall
         be $5.90.

                  Dividends for the initial dividend period on the 9.44% Class B
         Preferred Shares, or for any period shorter or longer than a full
         dividend period on the 9.44% Class B Preferred Shares, shall be
         computed on the basis of a 360-day year consisting of twelve 30-day
         months. The aggregate dividend payable quarterly to each holder of
         9.44% Class B Preferred Shares shall be rounded to the nearest
         one-hundredth of one cent with $.00005 being rounded upward. Each
         dividend shall be payable to the holders of record on such record date,
         no less than 10 nor more than 30 days preceding the payment date
         thereof, as shall be fixed from time to time by the Corporation's Board
         of Directors.

                  (c) Dividends on 9.44% Class B Preferred Shares shall be
         cumulative as follows:

                      (1) With respect to shares included in the initial issue
         of 9.44% Class B Preferred Shares and shares issued any time thereafter
         up to and including the record date for the payment of the first
         dividend on the initial issue of 9.44% Class B Preferred Shares,
         dividends shall be cumulative from the date of the initial issue of
         9.44% Class B Preferred Shares; and

                      (2) With respect to shares issued any time after the
         aforesaid record date, dividends shall be cumulative from the dividend
         payment date next preceding the date of issue of such shares, except
         that if such shares are issued during the period commencing the day
         after the record date for the payment of a dividend on 9.44% Class B
         Preferred Shares and ending on the payment date of that dividend,
         dividends with respect to such shares shall be cumulative from that
         dividend payment date.

                  (d) Except as required to preserve the Corporation's status as
         a real estate investment trust under the Internal Revenue Code of 1986,
         as amended, the 9.44% Class B Preferred Shares may not be redeemed
         prior to December 26, 2000. At any time or from time to time on and
         after December 26, 2000 the Corporation, at its option upon not less
         than thirty (30) nor more than sixty (60) days' written notice, may
         redeem all or any part of the 9.44% Class B Preferred Shares at a
         redemption price of $250.00 per share plus, in each case, an amount
         equal to all dividends accrued and unpaid thereon to the redemption
         date, without interest. The redemption price (other than the portion
         thereof consisting of accrued and unpaid dividends) is payable solely
         out of the sale proceeds of other capital shares of the Corporation,
         which may include any equity securities (including common shares and
         preferred shares), shares, interests, participation or other ownership
         interests (however designated) and any rights (other than debt
         securities convertible into or exchangeable for equity securities), or
         options to purchase any of the foregoing.

                                       20
<PAGE>

                  (e) The amount payable per 9.44% Class B Preferred Share in
         the event of any voluntary or involuntary liquidation, dissolution or
         winding up of the affairs of the Corporation shall be $250.00, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment.

                  (f) All dividend payments made on the 9.44% Class B Preferred
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such 9.44% Class B Preferred Shares for any
         dividend period, shall, for the purposes of Section 5(b)(1) of this
         Item II, be deemed to be made in respect of the earliest dividend
         period with respect to which the Corporation is in default.

   III.  The Class C Cumulative Preferred Shares. The Class C Shares shall have
the following express terms:

         Section 1. Series. The Class C Shares may be issued from time to time
   in one or more series. All Class C Shares shall be of equal rank and shall be
   identical, except in respect of the matters that may be fixed by the Board of
   Directors as hereinafter provided, and each share of a series shall be
   identical with all other shares of such series, except as to the dates from
   which dividends shall accrue and be cumulative. All Class C Shares shall rank
   on a parity with the Class A Shares, Class B Shares, Class D Shares, Class E
   Shares, Class F Shares, Class G Shares, Class H Shares, Class I Shares, Class
   J Shares, Class K Shares and Noncumulative Shares and shall be identical to
   all Class A Shares, Class B Shares, Class D Shares, Class E Shares, Class F
   Shares, Class G Shares, Class H Shares, Class I Shares, Class J Shares, Class
   K Shares and Noncumulative Shares except (1) in respect of the matters that
   may be fixed by the Board of Directors as provided in clauses (a) through
   (i), inclusive, of this Section 1 and (2) only dividends on Cumulative Shares
   shall be cumulative as set forth herein. Subject to the provisions of
   Sections 2 through 5, both inclusive, and Item XIII of this Division, which
   provisions shall apply to all Class C Shares, the Board of Directors hereby
   is authorized to cause such shares to be issued in one or more series and,
   with respect to each such series to determine and fix prior to the issuance
   thereof (and thereafter, to the extent provided in clause (b) of this
   Section), the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared,

                                       21
<PAGE>

         shall be payable, including the means by which such dates and periods
         may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item III) on the issuance of shares of the same
         series or of any other class or series.

                  The Board of Directors is authorized to adopt from time to
time amendments to the Amended and Restated Articles of Incorporation, as
amended, fixing, with respect to each such series, the matters described in
clauses (a) through (i), inclusive, of this Section and is authorized to take
such actions with respect thereto as may be required by law in order to effect
such amendments.

         Section 2. Dividends.

                  (a) The holders of Class C Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class C Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class C Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for the dividend periods terminating on the same or any
         earlier date, ratably in proportion to the respective annual dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class C Shares of all series then issued and outstanding
         and entitled to receive such dividend and (ii) the dividends payable
         for the dividend periods terminating on the same or any earlier date
         (but, with respect to Noncumulative Shares, only with respect to the
         then current dividend period), ratably in proportion to the respective
         dividend rates fixed therefor, shall have been paid upon or declared or
         set apart for all Class A Shares,

                                       22
<PAGE>

         Class B Shares, Class D Shares, Class E Shares, Class F Shares, Class G
         Shares, Class H Shares, Class I Shares, Class J Shares, Class K Shares
         and Noncumulative Shares then issued and outstanding and entitled to
         receive such dividends.

                  (b) So long as any Class C Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class C Shares, shall be paid or declared or any
         distribution be made, except as aforesaid, in respect of the Common
         Shares or any other shares ranking junior to the Class C Shares, nor
         shall any Common Shares or any other shares ranking junior to the Class
         C Shares be purchased, retired or otherwise acquired by the
         Corporation, except out of the proceeds of the sale of Common Shares or
         other shares of the Corporation ranking junior to the Class C Shares
         received by the Corporation subsequent to the date of first issuance of
         Class C Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item III.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class C Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares, or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as amended, with respect to any other class
         or series of capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion

                                       23
<PAGE>

         of the Capital Gains Amount that shall be allocable to holders of the
         Class C Shares shall be the amount that the total dividends paid or
         made available to the holders of the Class C Shares for the year bears
         to the Total Dividends.

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class C
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item III; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class C Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item III; and shall in each case
         pay all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class C Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item III prior to the issuance thereof. At any time after
         notice as provided above has been deposited in the mail, the
         Corporation may deposit the aggregate redemption price of Class C
         Shares to be redeemed, together with accrued and unpaid dividends
         thereon to the redemption date, with any bank or trust company in
         Cleveland, Ohio, or New York, New York, having capital and surplus of
         not less than $100,000,000 named in such notice and direct that there
         be paid to the respective holders of the Class C Shares so to be
         redeemed amounts equal to the redemption price of the Class C Shares so
         to be redeemed, together with such accrued and unpaid dividends
         thereon, on surrender of the share certificate or certificates held by
         such holders; and upon the deposit of such notice in the mail and the
         making of such deposit of money with such bank or trust company, such
         holders shall cease to be shareholders with respect to such shares; and
         from and after the time such notice shall have been so deposited and
         such deposit of money shall have been so made, such holders shall have
         no rights or claim against the Corporation with respect to such shares,
         except only the right to receive such money from such bank or trust
         company without interest or to exercise before the redemption date any
         unexpired privileges of conversion. In the event less than all of the
         outstanding Class C Shares are to be redeemed, the Corporation shall
         select by lot the shares so to be redeemed in such manner as shall be
         prescribed by the Board of Directors.

                      (2) If the holders of Class C Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount

                                       24
<PAGE>

         deposited for the redemption thereof, any such bank or trust company
         shall, upon demand, pay over to the Corporation such unclaimed amounts
         and thereupon such bank or trust company and the Corporation shall be
         relieved of all responsibility in respect thereof and to such holders.

                  (c) Any Class C Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class C Shares without
         serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class C Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class C Shares, unless
         all dividends on all Class C Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class C Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class C Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item III, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are
         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class C Shares of the
         full preferential amounts as aforesaid, the holders of Class C Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                                       25
<PAGE>

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

         Section 5. Voting.

                  (a) The holders of Class C Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class C Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of such Class C
         Shares, voting separately as a class, together with all Class A Shares,
         Class B Shares, Class D Shares, Class E Shares, Class F Shares, Class G
         Shares, Class H Shares, Class I Shares, Class J Shares, Class K Shares
         and Noncumulative Shares upon which like voting rights have been
         conferred and are exercisable under the circumstances described in
         Subsection 5(c), shall be entitled to elect, as herein provided, a
         total of two members of the Board of Directors of the Corporation;
         provided, however, that the holders of such Class C Shares shall not
         exercise such special class voting rights except at meetings of such
         shareholders for the election of directors at which the holders of not
         less than 50% of such Class C Shares are present in person or by proxy;
         and provided further that the special class voting rights provided for
         in this paragraph when the same shall have become vested shall remain
         so vested until all accrued and unpaid dividends on such Class C Shares
         then outstanding shall have been paid or declared and a sum sufficient
         for the payment thereof set aside for payment, whereupon the holders of
         such Class C Shares shall be divested of their special class voting
         rights in respect of subsequent elections of directors, subject to the
         revesting of such special class voting rights in the event above
         specified in this paragraph. All dividend payments made on the Class C
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such Class C Shares for any dividend period,
         shall be deemed to be made in respect of the earliest dividend period
         with respect to which the Corporation is in default.

                      (2) In the event of default entitling holders of Class C
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class C Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class C

                                       26
<PAGE>

         Shares. At any meeting at which such holders of Class C Shares shall be
         entitled to elect directors, holders of 50% of such Class C Shares,
         present in person or by proxy, shall be sufficient to constitute a
         quorum, and the vote of the holders of a majority of such shares so
         present at any such meeting at which there shall be such a quorum shall
         be sufficient to elect the members of the Board of Directors which such
         holders of Class C Shares are entitled to elect as herein provided.
         Notwithstanding any provision of these Amended and Restated Articles of
         Incorporation, as amended, or the Code of Regulations of the
         Corporation or any action taken by the holders of any class of shares
         fixing the number of directors of the Corporation, the two directors
         who may be elected by such holders of Class C Shares pursuant to this
         Subsection shall serve in addition to any other directors then in
         office or proposed to be elected otherwise than pursuant to this
         Subsection. Nothing in this Subsection shall prevent any change
         otherwise permitted in the total number of or classifications of
         directors of the Corporation or require the resignation of any director
         elected otherwise than pursuant to this Subsection. Notwithstanding any
         classification of the other directors of the Corporation, the two
         directors elected by such holders of Class C Shares shall be elected
         annually for terms expiring at the next succeeding annual meeting of
         shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Class C Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,
         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Class C Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class B Shares, Class D
         Shares, Class E Shares, Class F Shares, Class G Shares, Class H Shares,
         Class I Shares, Class J Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with each class of shares having a number of
         votes proportional to the aggregate liquidation preference of its
         outstanding shares). In such case, the holders of Class C Shares and of
         all such other shares then entitled so to vote, voting as a class,
         shall elect such directors. If the holders of any such other shares
         have elected such directors prior to the happening of the default or
         event permitting the holders of Class C Shares to elect directors, or
         prior to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class C
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

                                       27
<PAGE>

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class C Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or other rights of the holders of
         Class C Shares which are set forth in these Amended and Restated
         Articles of Incorporation, as amended; provided, however, neither the
         amendment of these Amended and Restated Articles of Incorporation, as
         amended, so as to authorize, create or change the authorized or
         outstanding number of Class C Shares or of any shares ranking on a
         parity with or junior to the Class C Shares nor the amendment of the
         provisions of the Code of Regulations so as to change the number or
         classification of directors of the Corporation shall be deemed to
         affect adversely and materially preferences or voting or other rights
         of the holders of Class C Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class C Shares.

                  (e) In the event, and only to the extent, that (1) Class C
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class C Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class C Shares or of any shares ranking on a parity with or junior to
         the Class C Shares nor the Amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         the preferences or voting or other rights of the holders of such
         series.

         Section 6. 8 3/8% Class C Cumulative Redeemable Preferred Shares. Of
    the 750,000 authorized Class C Shares, 460,000 shares are designated as a
    series entitled "8 3/8% Class C Cumulative Redeemable Preferred Shares"
    (hereinafter called "8 3/8% Class C Preferred Shares"). The 8 3/8% Class C
    Preferred Shares shall have the express

                                       28
<PAGE>

    terms set forth in this Division as being applicable to all Class C
    Shares as a class and, in addition, the following express terms
    applicable to all 8 3/8% Class C Preferred Shares as a series of Class C
    Shares:

                  (a) The annual dividend rate of the 8 3/8% Class C Preferred
         Shares shall be 8 3/8% of the liquidation preference of $250.00 per
         share.

                  (b) Dividends on the 8 3/8% Class C Preferred Shares shall be
         payable, if declared, quarterly on or about the fifteenth day of March,
         June, September, and December each year, the first quarterly dividend
         being payable, if declared, on September 15, 1998. The dividends
         payable for each full quarterly dividend period on each 8 3/8% Class C
         Preferred Share shall be $5.234375.

                  Dividends for the initial dividend period on the 8 3/8% Class
         C Preferred Shares, or for any period shorter or longer than a full
         dividend period on the 8 3/8% Class C Preferred Shares, shall be
         computed on the basis of a 360-day year consisting of twelve 30-day
         months. The aggregate dividend payable quarterly to each holder of
         8 3/8% Class C Preferred Shares shall be rounded to the nearest
         one-hundredth of one cent with $.00005 being rounded upward. Each
         dividend shall be payable to the holders of record on such record date,
         no less than 10 nor more than 30 days preceding the payment date
         thereof, as shall be fixed from time to time by the Corporation's Board
         of Directors.

                  (c) Dividends on 8 3/8% Class C Preferred Shares shall be
         cumulative as follows:

                      (1) With respect to shares included in the initial issue
         of 8 3/8% Class C Preferred Shares and shares issued any time
         thereafter up to and including the record date for the payment of the
         first dividend on the initial issue of 8 3/8% Class C Preferred Shares,
         dividends shall be cumulative from the date of the initial issue of
         8 3/8% Class C Preferred Shares; and

                      (2) With respect to shares issued any time after the
         aforesaid record date, dividends shall be cumulative from the dividend
         payment date next preceding the date of issue of such shares, except
         that if such shares are issued during the period commencing the day
         after the record date for the payment of a dividend on 8 3/8% Class C
         Preferred Shares and ending on the payment date of that dividend,
         dividends with respect to such shares shall be cumulative from that
         dividend payment date.

                  (d) Except as required to preserve the Corporation's status as
         a real estate investment trust under the Internal Revenue Code of 1986,
         as amended, the 8 3/8% Class C Preferred Shares may not be redeemed
         prior to July 7, 2003. At any time or from time to time on and after
         July 7, 2003 the Corporation, at its option upon not less than thirty
         (30) nor more than sixty (60) days' written notice, may redeem all or
         any part of the 8 3/8% Class C Preferred Shares at a redemption price
         of $250.00 per share plus, in each case, an amount equal to all
         dividends accrued and

                                       29
<PAGE>

         unpaid thereon to the redemption date, without interest. The redemption
         price (other than the portion thereof consisting of accrued and unpaid
         dividends) is payable solely out of the sale proceeds of other capital
         shares of the Corporation, which may include any equity securities
         (including common shares and preferred shares), shares, interests,
         participation or other ownership interests (however designated) and any
         rights (other than debt securities convertible into or exchangeable for
         equity securities), or options to purchase any of the foregoing.

                  (e) The amount payable per 8 3/8% Class C Preferred Share in
         the event of any voluntary or involuntary liquidation, dissolution or
         winding up of the affairs of the Corporation shall be $250.00, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment.

                  (f) All dividend payments made on the 8 3/8% Class C Preferred
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such 8 3/8% Class C Preferred Shares for any
         dividend period, shall, for the purposes of Section 5(b)(1) of this
         Division A-III, be deemed to be made in respect of the earliest
         dividend period with respect to which the Corporation is in default.

   IV.   The Class D Cumulative Preferred Shares. The Class D Shares shall have
the following express terms:

         Section 1. Series. The Class D Shares may be issued from time to time
   in one or more series. All Class D Shares shall be of equal rank and shall be
   identical, except in respect of the matters that may be fixed by the Board of
   Directors as hereinafter provided, and each share of a series shall be
   identical with all other shares of such series, except as to the dates from
   which dividends shall accrue and be cumulative. All Class D Shares shall rank
   on a parity with the Class A Shares, Class B Shares, Class C Shares, Class E
   Shares, Class F Shares, Class G Shares, Class H Shares, Class I Shares, Class
   J Shares, Class K Shares and Noncumulative Shares and shall be identical to
   all Class A Shares, Class B Shares, Class C Shares, Class E Shares, Class F
   Shares, Class G Shares, Class H Shares, Class I Shares, Class J Shares, Class
   K Shares and Noncumulative Shares except (1) in respect of the matters that
   may be fixed by the Board of Directors as provided in clauses (a) through
   (i), inclusive, of this Section 1 and (2) only dividends on Cumulative Shares
   shall be cumulative as set forth herein. Subject to the provisions of
   Sections 2 through 5, both inclusive, and Item XIII of this Division, which
   provisions shall apply to all Class D Shares, the Board of Directors hereby
   is authorized to cause such shares to be issued in one or more series and,
   with respect to each such series to determine and fix prior to the issuance
   thereof (and thereafter, to the extent provided in clause (b) of this
   Section), the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the

                                       30
<PAGE>

         series) increase or decrease from time to time before or after the
         issuance thereof (but not below the number of shares thereof then
         outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item IV) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), inclusive, of this Section and is authorized to take such actions
with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Class D Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class D Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class D Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for

                                       31
<PAGE>

         the dividend periods terminating on the same or any earlier date,
         ratably in proportion to the respective annual dividend rates fixed
         therefor, shall have been paid upon or declared or set apart for all
         Class D Shares of all series then issued and outstanding and entitled
         to receive such dividend and (ii) the dividends payable for the
         dividend periods terminating on the same or any earlier date (but, with
         respect to Noncumulative Shares, only with respect to the then current
         dividend period), ratably in proportion to the respective dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class A Shares, Class B Shares, Class C Shares, Class E
         Shares, Class F Shares, Class G Shares, Class H Shares, Class I Shares,
         Class J Shares, Class K Shares and Noncumulative Shares then issued and
         outstanding and entitled to receive such dividends.

                  (b) So long as any Class D Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class D Shares, shall be paid or declared or any
         distribution be made, except as aforesaid, in respect of the Common
         Shares or any other shares ranking junior to the Class D Shares, nor
         shall any Common Shares or any other shares ranking junior to the Class
         D Shares be purchased, retired or otherwise acquired by the
         Corporation, except out of the proceeds of the sale of Common Shares or
         other shares of the Corporation ranking junior to the Class D Shares
         received by the Corporation subsequent to the date of first issuance of
         Class D Shares of any series, unless:

                  (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item IV.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class D Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares, or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as

                                       32
<PAGE>

         amended, with respect to any other class or series of capital stock
         hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion
         of the Capital Gains Amount that shall be allocable to holders of the
         Class D Shares shall be the amount that the total dividends paid or
         made available to the holders of the Class D Shares for the year bears
         to the Total Dividends.

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class D
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item IV; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class D Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item IV; and shall in each case pay
         all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class D Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item IV prior to the issuance thereof. At any time after notice
         as provided above has been deposited in the mail, the Corporation may
         deposit the aggregate redemption price of Class D Shares to be
         redeemed, together with accrued and unpaid dividends thereon to the
         redemption date, with any bank or trust company in Cleveland, Ohio, or
         New York, New York, having capital and surplus of not less than
         $100,000,000 named in such notice and direct that there be paid to the
         respective holders of the Class D Shares so to be redeemed amounts
         equal to the redemption price of the Class D Shares so to be redeemed,
         together with such accrued and unpaid dividends thereon, on surrender
         of the share certificate or certificates held by such holders; and upon
         the deposit of such notice in the mail and the making of such deposit
         of money with such bank or trust company, such holders shall cease to
         be shareholders with respect to such shares; and from and after the
         time such notice shall have been so deposited and such deposit of money
         shall have been so made, such holders shall have no rights or

                                       33
<PAGE>

         claim against the Corporation with respect to such shares, except only
         the right to receive such money from such bank or trust company without
         interest or to exercise before the redemption date any unexpired
         privileges of conversion. In the event less than all of the outstanding
         Class D Shares are to be redeemed, the Corporation shall select by lot
         the shares so to be redeemed in such manner as shall be prescribed by
         the Board of Directors.

                      (2) If the holders of Class D Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

                  (c) Any Class D Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class D Shares without
         serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class D Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class D Shares, unless
         all dividends on all Class D Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class D Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class D Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item IV, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are

                                       34
<PAGE>

         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class D Shares of the
         full preferential amounts as aforesaid, the holders of Class D Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

         Section 5. Voting.

                  (a) The holders of Class D Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class D Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of such Class D
         Shares, voting separately as a class, together with all Class A Shares,
         Class B Shares, Class C Shares, Class E Shares, Class F Shares, Class G
         Shares, Class H Shares, Class I Shares, Class J Shares, Class K Shares
         and Noncumulative Shares upon which like voting rights have been
         conferred and are exercisable under the circumstances described in
         Subsection 5(c), shall be entitled to elect, as herein provided, a
         total of two members of the Board of Directors of the Corporation;
         provided, however, that the holders of such Class D Shares shall not
         exercise such special class voting rights except at meetings of such
         shareholders for the election of directors at which the holders of not
         less than 50% of such Class D Shares are present in person or by proxy;
         and provided further that the special class voting rights provided for
         in this paragraph when the same shall have become vested shall remain
         so vested until all accrued and unpaid dividends on such Class D Shares
         then outstanding shall have been paid or declared and a sum sufficient
         for the payment thereof set aside for payment, whereupon the holders of
         such Class D Shares shall be divested of their special class voting
         rights in respect of subsequent elections of directors, subject to the
         revesting of such special class voting rights in the event above
         specified in this paragraph. All dividend payments made on the Class D
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such Class D Shares for any dividend period,
         shall be deemed to be made in respect of the earliest dividend period
         with respect to which the Corporation is in default.

                      (2) In the event of default entitling holders of Class D
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of

                                       35
<PAGE>

         such holders for the purpose of electing such directors shall be called
         by the Secretary of the Corporation upon written request of, or may be
         called by, the holders of record of at least 10% of the Class D Shares
         upon which such default in the payment of dividends exists and notice
         thereof shall be given in the same manner as that required for the
         annual meeting of shareholders; provided, however, that the Corporation
         shall not be required to call such special meeting if the annual
         meeting of shareholders shall be called to be held within 90 days after
         the date of receipt of the foregoing written request from the holders
         of Class D Shares. At any meeting at which such holders of Class D
         Shares shall be entitled to elect directors, holders of 50% of such
         Class D Shares, present in person or by proxy, shall be sufficient to
         constitute a quorum, and the vote of the holders of a majority of such
         shares so present at any such meeting at which there shall be such a
         quorum shall be sufficient to elect the members of the Board of
         Directors which such holders of Class D Shares are entitled to elect as
         herein provided. Notwithstanding any provision of these Amended and
         Restated Articles of Incorporation, as amended, or the Code of
         Regulations of the Corporation or any action taken by the holders of
         any class of shares fixing the number of directors of the Corporation,
         the two directors who may be elected by such holders of Class D Shares
         pursuant to this Subsection shall serve in addition to any other
         directors then in office or proposed to be elected otherwise than
         pursuant to this Subsection. Nothing in this Subsection shall prevent
         any change otherwise permitted in the total number of or
         classifications of directors of the Corporation or require the
         resignation of any director elected otherwise than pursuant to this
         Subsection. Notwithstanding any classification of the other directors
         of the Corporation, the two directors elected by such holders of Class
         D Shares shall be elected annually for terms expiring at the next
         succeeding annual meeting of shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Class D Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,
         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Class D Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class B Shares, Class C
         Shares, Class E Shares, Class F Shares, Class G Shares, Class H Shares,
         Class I Shares, Class J Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with each class of shares having a number of
         votes proportional to the aggregate liquidation preference of its
         outstanding shares). In such case, the holders of Class D Shares and of
         all such other shares then entitled so to vote,

                                       36
<PAGE>

         voting as a class, shall elect such directors. If the holders of any
         such other shares have elected such directors prior to the happening of
         the default or event permitting the holders of Class D Shares to elect
         directors, or prior to a written request for the holding of a special
         meeting being received by the Secretary of the Corporation as required
         above, then a new election shall be held with all such other shares and
         the Class D Shares voting together as a single class for such
         directors, resulting in the termination of the term of such previously
         elected directors upon the election of such new directors.

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class D Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or other rights of the holders of
         Class D Shares which are set forth in these Amended and Restated
         Articles of Incorporation, as amended; provided, however, neither the
         amendment of these Amended and Restated Articles of Incorporation, as
         amended, so as to authorize, create or change the authorized or
         outstanding number of Class D Shares or of any shares ranking on a
         parity with or junior to the Class D Shares nor the amendment of the
         provisions of the Code of Regulations so as to change the number or
         classification of directors of the Corporation shall be deemed to
         affect adversely and materially preferences or voting or other rights
         of the holders of Class D Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class D Shares.

                  (e) In the event, and only to the extent, that (1) Class D
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class D Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class D Shares or of any shares ranking on a parity with or junior to
         the Class D Shares nor the

                                       37
<PAGE>

         Amendment of the provisions of the Code of Regulations so as to change
         the number or classification of directors of the Corporation shall be
         deemed to affect adversely and materially the preferences or voting or
         other rights of the holders of such series.

         Section 6. 8.68% Class D Cumulative Redeemable Preferred Shares. Of the
750,000 authorized Class D Shares, 230,000 shares are designated as a series
entitled "8.68% Class D Cumulative Redeemable Preferred Shares" (hereinafter
called "8.68% Class D Preferred Shares"). The 8.68% Class D Preferred Shares
shall have the express terms set forth in this Division as being applicable to
all Class D Shares as a class and, in addition, the following express terms
applicable to all 8.68% Class D Preferred Shares as a series of Class D Shares:

                  (a) The annual dividend rate of the 8.68% Class D Preferred
         Shares shall be 8.68% of the liquidation preference of $250.00 per
         share.

                  (b) Dividends on the 8.68% Class D Preferred Shares shall be
         payable, if declared, quarterly on or about the fifteenth day of March,
         June, September, and December each year, the first quarterly dividend
         being payable, if declared, on December 15, 1998. The dividends payable
         for each full quarterly dividend period on each 8.68% Class D Preferred
         Share shall be $5.425.

                  Dividends for the initial dividend period on the 8.68% Class D
         Preferred Shares, or for any period shorter or longer than a full
         dividend period on the 8.68% Class D Preferred Shares, shall be
         computed on the basis of a 360-day year consisting of twelve 30-day
         months. The aggregate dividend payable quarterly to each holder of
         8.68% Class D Preferred Shares shall be rounded to the nearest
         one-hundredth of one cent with $.00005 being rounded upward. Each
         dividend shall be payable to the holders of record on such record date,
         no less than 10 nor more than 30 days preceding the payment date
         thereof, as shall be fixed from time to time by the Corporation's Board
         of Directors.

                  (c) Dividends on 8.68% Class D Preferred Shares shall be
         cumulative as follows:

                      (1) With respect to shares included in the initial issue
         of 8.68% Class D Preferred Shares and shares issued any time thereafter
         up to and including the record date for the payment of the first
         dividend on the initial issue of 8.68% Class D Preferred Shares,
         dividends shall be cumulative from the date of the initial issue of
         8.68% Class D Preferred Shares; and

                      (2) With respect to shares issued any time after the
         aforesaid record date, dividends shall be cumulative from the dividend
         payment date next preceding the date of issue of such shares, except
         that if such shares are issued during the period commencing the day
         after the record date for the payment of a dividend on 8.68 % Class D
         Preferred Shares and ending on the payment date of

                                       38
<PAGE>

         that dividend, dividends with respect to such shares shall be
         cumulative from that dividend payment date.

                  (d) Except as required to preserve the Corporation's status as
         a real estate investment trust under the Internal Revenue Code of 1986,
         as amended, the 8.68% Class D Preferred Shares may not be redeemed
         prior to August 20, 2003. At any time or from time to time on and after
         August 20, 2003 the Corporation, at its option upon not less than
         thirty (30) nor more than sixty (60) days' written notice, may redeem
         all or any part of the 8.68% Class D Preferred Shares at a redemption
         price of $250.00 per share plus, in each case, an amount equal to all
         dividends accrued and unpaid thereon to the redemption date, without
         interest. The redemption price (other than the portion thereof
         consisting of accrued and unpaid dividends) is payable solely out of
         the sale proceeds of other capital shares of the Corporation, which may
         include any equity securities (including common shares and preferred
         shares), shares, interests, participation or other ownership interests
         (however designated) and any rights (other than debt securities
         convertible into or exchangeable for equity securities), or options to
         purchase any of the foregoing.

                  (e) The amount payable per 8.68% Class D Preferred Share in
         the event of any voluntary or involuntary liquidation, dissolution or
         winding up of the affairs of the Corporation shall be $250.00, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment.

                  (f) All dividend payments made on the 8.68% Class D Preferred
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such 8.68% Class D Preferred Shares for any
         dividend period, shall, for the purposes of Section 5(b)(1) of this
         Division A-IV, be deemed to be made in respect of the earliest dividend
         period with respect to which the Corporation is in default.

    V.   The Class E Cumulative Preferred Shares. The Class E Shares shall have
the following express terms:

         Section 1. Series. The Class E Shares may be issued from time to time
    in one or more series. All Class E Shares shall be of equal rank and shall
    be identical, except in respect of the matters that may be fixed by the
    Board of Directors as hereinafter provided, and each share of a series shall
    be identical with all other shares of such series, except as to the dates
    from which dividends shall accrue and be cumulative. All Class E Shares
    shall rank on a parity with the Class A Shares, Class B Shares, Class C
    Shares, Class D Shares, Class F Shares, Class G Shares, Class H Shares,
    Class I Shares, Class J Shares, Class K Shares and Noncumulative Shares and
    shall be identical to all Class A Shares, Class B Shares, Class C Shares,
    Class D Shares, Class F Shares, Class G Shares, Class H Shares, Class I
    Shares, Class J Shares, Class K Shares and Noncumulative Shares except (1)
    in respect of the matters that may be fixed by the Board of Directors as
    provided in clauses (a) through (i), inclusive, of this Section 1 and (2)
    only dividends on Cumulative Shares shall be cumulative as set forth herein.
    Subject to the provisions of Sections 2 through 5, both inclusive, and Item
    XIII of this Division, which provisions shall apply to

                                       39
<PAGE>

    all Class E Shares, the Board of Directors hereby is authorized to cause
    such shares to be issued in one or more series and, with respect to each
    such series to determine and fix prior to the issuance thereof (and
    thereafter, to the extent provided in clause (b) of this Section), the
    following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item V) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), inclusive, of this Section and is authorized to take such actions
with respect thereto as may be required by law in order to effect such
amendments.

                                       40
<PAGE>

         Section 2. Dividends.

                  (a) The holders of Class E Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class E Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class E Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for the dividend periods terminating on the same or any
         earlier date, ratably in proportion to the respective annual dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class E Shares of all series then issued and outstanding
         and entitled to receive such dividend and (ii) the dividends payable
         for the dividend periods terminating on the same or any earlier date
         (but, with respect to Noncumulative Shares, only with respect to the
         then current dividend period), ratably in proportion to the respective
         dividend rates fixed therefor, shall have been paid upon or declared or
         set apart for all Class A Shares, Class B Shares, Class C Shares, Class
         D Shares, Class F Shares, Class G Shares, Class H Shares, Class I
         Shares, Class J Shares, Class K Shares and Noncumulative Shares then
         issued and outstanding and entitled to receive such dividends.

                  (b) So long as any Class E Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class E Shares, shall be paid or declared or any
         distribution be made, except as aforesaid, in respect of the Common
         Shares or any other shares ranking junior to the Class E Shares, nor
         shall any Common Shares or any other shares ranking junior to the Class
         E Shares be purchased, retired or otherwise acquired by the
         Corporation, except out of the proceeds of the sale of Common Shares or
         other shares of the Corporation ranking junior to the Class E Shares
         received by the Corporation subsequent to the date of first issuance of
         Class E Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund

                                       41
<PAGE>

         provided for shares of such series in accordance with the provisions of
         Section 1 of this Item V.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class E Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares, or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as amended, with respect to any other class
         or series of capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion
         of the Capital Gains Amount that shall be allocable to holders of the
         Class E Shares shall be the amount that the total dividends paid or
         made available to the holders of the Class E Shares for the year bears
         to the Total Dividends.

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class E
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item V; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class E Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item V; and shall in each case pay
         all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class E Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item V prior to the issuance thereof. At any time after notice
         as provided above has been deposited in the mail, the Corporation may
         deposit the

                                       42
<PAGE>

         aggregate redemption price of Class E Shares to be redeemed, together
         with accrued and unpaid dividends thereon to the redemption date, with
         any bank or trust company in Cleveland, Ohio, or New York, New York,
         having capital and surplus of not less than $100,000,000 named in such
         notice and direct that there be paid to the respective holders of the
         Class E Shares so to be redeemed amounts equal to the redemption price
         of the Class E Shares so to be redeemed, together with such accrued and
         unpaid dividends thereon, on surrender of the share certificate or
         certificates held by such holders; and upon the deposit of such notice
         in the mail and the making of such deposit of money with such bank or
         trust company, such holders shall cease to be shareholders with respect
         to such shares; and from and after the time such notice shall have been
         so deposited and such deposit of money shall have been so made, such
         holders shall have no rights or claim against the Corporation with
         respect to such shares, except only the right to receive such money
         from such bank or trust company without interest or to exercise before
         the redemption date any unexpired privileges of conversion. In the
         event less than all of the outstanding Class E Shares are to be
         redeemed, the Corporation shall select by lot the shares so to be
         redeemed in such manner as shall be prescribed by the Board of
         Directors.

                      (2) If the holders of Class E Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

                  (c) Any Class E Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class E Shares without
         serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class E Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class E Shares, unless
         all dividends on all Class E Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

                                       43
<PAGE>

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class E Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class E Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item V, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are
         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class E Shares of the
         full preferential amounts as aforesaid, the holders of Class E Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

         Section 5. Voting.

                  (a) The holders of Class E Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class E Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of such Class E
         Shares, voting separately as a class, together with all Class A Shares,
         Class B Shares, Class C Shares, Class D Shares, Class F Shares, Class G
         Shares, Class H Shares, Class I Shares, Class J Shares, Class K Shares
         and Noncumulative Shares upon which like voting rights have been
         conferred and are exercisable under the circumstances described in
         Subsection 5(c), shall be entitled to elect, as herein provided, a
         total of two members of the Board of Directors of the Corporation;
         provided, however, that the holders of such Class E Shares shall not
         exercise such special class voting rights except at meetings of such
         shareholders for the election of directors at which the holders of not
         less than 50% of such Class E Shares are present in person or by proxy;
         and provided

                                       44
<PAGE>

         further that the special class voting rights provided for in this
         paragraph when the same shall have become vested shall remain so vested
         until all accrued and unpaid dividends on such Class E Shares then
         outstanding shall have been paid or declared and a sum sufficient for
         the payment thereof set aside for payment, whereupon the holders of
         such Class E Shares shall be divested of their special class voting
         rights in respect of subsequent elections of directors, subject to the
         revesting of such special class voting rights in the event above
         specified in this paragraph. All dividend payments made on the Class E
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such Class E Shares for any dividend period,
         shall be deemed to be made in respect of the earliest dividend period
         with respect to which the Corporation is in default.

                      (2) In the event of default entitling holders of Class E
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class E Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class E
         Shares. At any meeting at which such holders of Class E Shares shall be
         entitled to elect directors, holders of 50% of such Class E Shares,
         present in person or by proxy, shall be sufficient to constitute a
         quorum, and the vote of the holders of a majority of such shares so
         present at any such meeting at which there shall be such a quorum shall
         be sufficient to elect the members of the Board of Directors which such
         holders of Class E Shares are entitled to elect as herein provided.
         Notwithstanding any provision of these Amended and Restated Articles of
         Incorporation, as amended, or the Code of Regulations of the
         Corporation or any action taken by the holders of any class of shares
         fixing the number of directors of the Corporation, the two directors
         who may be elected by such holders of Class E Shares pursuant to this
         Subsection shall serve in addition to any other directors then in
         office or proposed to be elected otherwise than pursuant to this
         Subsection. Nothing in this Subsection shall prevent any change
         otherwise permitted in the total number of or classifications of
         directors of the Corporation or require the resignation of any director
         elected otherwise than pursuant to this Subsection. Notwithstanding any
         classification of the other directors of the Corporation, the two
         directors elected by such holders of Class E Shares shall be elected
         annually for terms expiring at the next succeeding annual meeting of
         shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Class E Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,

                                       45
<PAGE>

         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Class E Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class B Shares, Class C
         Shares, Class D Shares, Class F Shares, Class G Shares, Class H Shares,
         Class I Shares, Class J Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with each class of shares having a number of
         votes proportional to the aggregate liquidation preference of its
         outstanding shares). In such case, the holders of Class E Shares and of
         all such other shares then entitled so to vote, voting as a class,
         shall elect such directors. If the holders of any such other shares
         have elected such directors prior to the happening of the default or
         event permitting the holders of Class E Shares to elect directors, or
         prior to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class E
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class E Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or other rights of the holders of
         Class E Shares which are set forth in these Amended and Restated
         Articles of Incorporation, as amended; provided, however, neither the
         amendment of these Amended and Restated Articles of Incorporation, as
         amended, so as to authorize, create or change the authorized or
         outstanding number of Class E Shares or of any shares ranking on a
         parity with or junior to the Class E Shares nor the amendment of the
         provisions of the Code of Regulations so as to change the number or
         classification of directors of the Corporation shall be deemed to
         affect adversely and materially preferences or voting or other rights
         of the holders of Class E Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class E Shares.

                                       46
<PAGE>

                  (e) In the event, and only to the extent, that (1) Class E
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class E Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class E Shares or of any shares ranking on a parity with or junior to
         the Class E Shares nor the Amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         the preferences or voting or other rights of the holders of such
         series.

         Section 6. Class E Series I Cumulative Preferred Shares.

                  (a) DESIGNATION AND AMOUNT. Of the 750,000 authorized Class E
         Cumulative Preferred Shares, without par value, 750,000 are designated
         as a series designated as "Class E Series I Cumulative Preferred
         Shares" (the "Series I Preferred Shares"). The Series I Preferred
         Shares have the express terms set forth in this Division as being
         applicable to all Preferred Shares as a class and, in addition, the
         following express terms applicable to all Series I Preferred Shares as
         a series of Preferred Shares. The number of Series I Preferred Shares
         may be increased or decreased by resolution of the Board of Directors
         and by the filing of a certificate of amendment pursuant to the
         provisions of the General Corporation Law of the State of Ohio stating
         that such increase or reduction has been so authorized; however, no
         decrease shall reduce the number of Series I Preferred Shares to a
         number less than that of the Series I Preferred Shares then outstanding
         plus the number of Series I Preferred Shares issuable upon exercise of
         outstanding rights, options or warrants or upon conversion of
         outstanding securities issued by the Company.

                  (b) DIVIDENDS AND DISTRIBUTIONS.

                      (1) (i) Subject to the rights of the holders of any series
         of preferred shares (or any similar shares) ranking prior to the Series
         I Preferred Shares with respect to dividends, the holders of Series I
         Preferred Shares, in preference to the holders of Common Shares and of
         any other junior shares, will be entitled to receive, when, as and if
         declared by the Board of Directors out of funds legally available for
         the purpose, quarterly dividends payable in cash on the fifteenth day
         of March, June, September and December in each year (each such date
         being

                                       47
<PAGE>

         referred to herein as a "Quarterly Dividend Payment Date"), commencing
         on the first Quarterly Dividend Payment Date after the first issuance
         of a Series I Preferred Share or fraction thereof, in an amount per
         share (rounded to the nearest cent) equal to the greater of (a) $10.00
         or (b) subject to the provisions for adjustment hereinafter set forth,
         10,000 times the aggregate per share amount of all cash dividends, and
         10,000 times the aggregate per share amount (payable in kind) of all
         noncash dividends or other distributions other than a dividend payable
         in Common Shares or a subdivision of the outstanding Common Shares (by
         reclassification or otherwise), declared on the Common Shares after the
         immediately preceding Quarterly Dividend Payment Date, or, with respect
         to the first Quarterly Dividend Payment Date, after the first issuance
         of any Series I Preferred Share or fraction thereof. The multiple of
         cash and noncash dividends declared on the Common Shares to which
         holders of the Series I Preferred Shares are entitled, which is 10,000
         initially but which will be adjusted from time to time as hereinafter
         provided, is hereinafter referred to as the "Dividend Multiple." If the
         Company at any time after May 26, 1999 (the "Rights Declaration Date"):
         (i) declares or pays any dividend on the Common Shares payable in
         Common Shares, or (ii) effects a subdivision or combination or
         consolidation of the outstanding Common Shares (by reclassification or
         otherwise than by payment of a dividend in Common Shares) into a
         greater or lesser number of Common Shares, then in each such case the
         Dividend Multiple thereafter applicable to the determination of the
         amount of dividends that holders of Series I Preferred Shares are
         entitled to receive will be the Dividend Multiple applicable
         immediately prior to that event multiplied by a fraction, the numerator
         of which is the number of Common Shares outstanding immediately after
         that event and the denominator of which is the number of Common Shares
         that were outstanding immediately prior to that event.

                                    (ii) Notwithstanding anything else contained
                           in this paragraph (1), the Company shall, out of
                           funds legally available for that purpose, declare a
                           dividend or distribution on the Series I Preferred
                           Shares as provided in this paragraph (1) immediately
                           after it declares a dividend or distribution on the
                           Common Shares (other than a dividend payable in
                           Common Shares); but if no dividend or distribution
                           has been declared on the Common Shares during the
                           period between any Quarterly Dividend Payment Date
                           and the next subsequent Quarterly Dividend Payment
                           Date, a dividend of $10.00 per share on the Series I
                           Preferred Shares shall nevertheless accrue on such
                           subsequent Quarterly Dividend Payment Date.

                      (2) Dividends will begin to accrue and be cumulative on
         outstanding Series I Preferred Shares from the Quarterly Dividend
         Payment Date next preceding the date of issue of such Series I
         Preferred Shares, unless the date of issue of such shares is prior to
         the record date for the first Quarterly Dividend

                                       48
<PAGE>

         Payment Date, in which case dividends on such shares will begin to
         accrue from the date of issue of such shares, or unless the date of
         issue is a Quarterly Dividend Payment Date or is a date after the
         record date for the determination of holders of Series I Preferred
         Shares entitled to receive a quarterly dividend and before such
         Quarterly Dividend Payment Date, in either of which events such
         dividends will begin to accrue and be cumulative from such Quarterly
         Dividend Payment Date. Accrued but unpaid dividends will not bear
         interest. Dividends paid on the Series I Preferred Shares in an amount
         less than the total amount of such dividends at the time accrued and
         payable on such shares will be allocated pro rata on a share-by-share
         basis among all such shares at the time outstanding. The Board of
         Directors may fix in accordance with applicable law a record date for
         the determination of holders of Series I Preferred Shares entitled to
         receive payment of a dividend or distribution declared thereon, which
         record date will be not more than such number of days prior to the date
         fixed for the payment thereof as may be allowed by applicable law.

                  (c) REACQUIRED SHARES. Any Series I Preferred Shares purchased
         or otherwise acquired by the Company in any manner whatsoever will be
         retired and canceled promptly after the acquisition thereof. All such
         shares will upon their cancellation become authorized but unissued
         preferred shares and may be reissued as part of a new series of
         Preferred Shares to be created by resolution or resolutions of the
         Board of Directors, subject to the conditions and restrictions on
         issuance set forth herein.

                  (d) LIQUIDATION, DISSOLUTION OR WINDING UP. Upon any
         liquidation (voluntary or otherwise), dissolution or winding up of the
         Company, no distribution may be made (x) to the holders of shares
         ranking junior (either as to dividends or upon liquidation, dissolution
         or winding up) to the Series I Preferred Shares unless, prior thereto,
         the holders of Series I Preferred Shares shall have received an amount
         equal to accrued and unpaid dividends and distributions thereon,
         whether or not declared, to the date of such payment, plus an amount
         equal to the greater of (1) $10,000.00 per share or (2) an aggregate
         amount per share, subject to the provision for adjustment hereinafter
         set forth, equal to 10,000 times the aggregate amount to be distributed
         per share to holders of Common Shares, or (y) to the holders of shares
         ranking on a parity (either as to dividends or upon liquidation,
         dissolution or winding up) with the Series I Preferred Shares, except
         distributions made ratably on the Series I Preferred Shares and all
         other such parity stock in proportion to the total amounts to which the
         holders of all such shares are entitled upon such liquidation,
         dissolution or winding up. If the Company at any time after the Rights
         Declaration Date (i) declares or pays any dividend on Common Shares
         payable in Common Shares, or (ii) effects a subdivision or combination
         or consolidation of the outstanding Common Shares (by reclassification
         or otherwise than by payment of a dividend in Common Shares) into a
         greater or lesser number of Common Shares, then in each such case the
         aggregate amount per share to which holders of Series I Preferred
         Shares were entitled immediately prior to such event under clause (x)
         of the preceding sentence will be adjusted by multiplying such amount
         by a fraction, the numerator of which is the number of Common Shares
         outstanding immediately after such

                                       49
<PAGE>

         event and the denominator of which is the number of Common Shares that
         were outstanding immediately prior to such event.

                  Neither the consolidation of nor merging of the Company with
         or into any other corporation or corporations, nor the sale or other
         transfer of all or substantially all of the assets of the Company, will
         be considered to be a liquidation, dissolution or winding up of the
         Company within the meaning of this paragraph (d).

                  (e) CONSOLIDATION, MERGER, ETC. If the Company shall enter
         into any consolidation, merger, combination or other transaction in
         which the Common Shares are exchanged for or changed into other shares,
         stock or securities, cash or any other property, then in any such case
         the Series I Preferred Shares will at the same time be similarly
         exchanged or changed in an amount per share (subject to the provision
         for adjustment hereinafter set forth) equal to 10,000 times the
         aggregate amount of shares, stock, securities, or other property, as
         the case may be, into which or for which each Common Share is changed
         or exchanged, plus accrued and unpaid dividends, if any, payable with
         respect to the Series I Preferred Shares. If the Company at any time
         after the Rights Declaration Date (i) declares or pays any dividend on
         Common Shares payable in Common Shares, or (ii) effects a subdivision
         or combination or consolidation of the outstanding Common Shares (by
         reclassification or otherwise than by payment of a dividend in Common
         Shares) into a greater or lesser number of Common Shares, then in each
         such case the amount set forth in the preceding sentence with respect
         to the exchange or change of Series I Preferred Shares will be adjusted
         by multiplying such amount by a fraction, the numerator of which is the
         number of Common Shares outstanding immediately after such event and
         the denominator of which is the number of Common Shares that were
         outstanding immediately prior to such event.

                  (f) REDEMPTION. The Series I Preferred Shares are not
         redeemable, but the foregoing does not limit the ability of the Company
         to purchase or otherwise deal in the Series I Preferred Shares to the
         extent otherwise permitted hereby and by law.

                  (g) AMENDMENT. The Amended and Restated Articles of
         Incorporation of the Company, as amended, may not be amended in any
         manner that would materially alter or change the powers, preferences or
         special rights of the Series I Preferred Shares so as to affect them
         adversely without the affirmative vote of the holders of at least
         two-thirds of the outstanding Series I Preferred Shares, voting
         separately as a class.

                  (h) FRACTIONAL SHARES. Series I Preferred Shares may be issued
         in whole shares or in any fraction of a share that is one
         ten-thousandth (1/10,000th) of a share or any integral multiple of such
         fraction, which will entitle the holder, in proportion to such holder's
         fractional shares, to exercise voting rights, receive dividends,
         participate in distributions and have the benefit of all other rights
         of

                                       50
<PAGE>

         holders of Series I Preferred Shares. In lieu of fractional shares, the
         Company may elect to make a cash payment as provided in that certain
         Rights Agreement dated as of May 26, 1999, between the Company and
         National City Bank, a national banking association, as rights agent,
         for fractions of a share smaller than one ten-thousandth (1/10,000th)
         of a share or any integral multiple thereof.

    VI.  The Class F Cumulative Preferred Shares. The Class F Shares shall have
the following express terms:

         Section 1. Series. The Class F Shares may be issued from time to time
    in one or more series. All Class F Shares shall be of equal rank and shall
    be identical, except in respect of the matters that may be fixed by the
    Board of Directors as hereinafter provided, and each share of a series shall
    be identical with all other shares of such series, except as to the dates
    from which dividends shall accrue and be cumulative. All Class F Shares
    shall rank on a parity with the Class A Shares, Class B Shares, Class C
    Shares, Class D Shares, Class E Shares, Class G Shares, Class H Shares,
    Class I Shares, Class J Shares, Class K Shares and Noncumulative Shares and
    shall be identical to all Class A Shares, Class B Shares, Class C Shares,
    Class D Shares, Class E Shares, Class G Shares, Class H Shares, Class I
    Shares, Class J Shares, Class K Shares and Noncumulative Shares except (1)
    in respect of the matters that may be fixed by the Board of Directors as
    provided in clauses (a) through (i), inclusive, of this Section 1 and (2)
    only dividends on Cumulative Shares shall be cumulative as set forth herein.
    Subject to the provisions of Sections 2 through 5, both inclusive, and Item
    XIII of this Division, which provisions shall apply to all Class F Shares,
    the Board of Directors hereby is authorized to cause such shares to be
    issued in one or more series and, with respect to each such series to
    determine and fix prior to the issuance thereof (and thereafter, to the
    extent provided in clause (b) of this Section), the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                                       51
<PAGE>

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item VI) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), inclusive, of this Section and is authorized to take such actions
with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Class F Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class F Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class F Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for the dividend periods terminating on the same or any
         earlier date, ratably in proportion to the respective annual dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class F Shares of all series then issued and outstanding
         and entitled to receive such dividend and (ii) the dividends payable
         for the dividend periods terminating on the same or any earlier date
         (but, with respect to Noncumulative Shares, only with respect to the
         then current dividend period), ratably in proportion to the respective
         dividend rates fixed therefor, shall have been paid upon or declared or
         set apart for all Class A Shares, Class B Shares, Class C Shares, Class
         D Shares, Class E Shares, Class G Shares, Class H Shares, Class I
         Shares, Class J Shares, Class K Shares and Noncumulative Shares then
         issued and outstanding and entitled to receive such dividends.

                                       52
<PAGE>

                  (b) So long as any Class F Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class F Shares, shall be paid or declared or any
         distribution be made, except as aforesaid, in respect of the Common
         Shares or any other shares ranking junior to the Class F Shares, nor
         shall any Common Shares or any other shares ranking junior to the Class
         F Shares be purchased, retired or otherwise acquired by the
         Corporation, except out of the proceeds of the sale of Common Shares or
         other shares of the Corporation ranking junior to the Class F Shares
         received by the Corporation subsequent to the date of first issuance of
         Class F Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item VI.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class F Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares, or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as amended, with respect to any other class
         or series of capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion
         of the Capital Gains Amount that shall be allocable to holders of the
         Class F Shares shall be the amount that the total dividends paid or
         made available to the holders of the Class F Shares for the year bears
         to the Total Dividends.

                                       53
<PAGE>

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class F
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item VI; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class F Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item VI; and shall in each case pay
         all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class F Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item VI prior to the issuance thereof. At any time after notice
         as provided above has been deposited in the mail, the Corporation may
         deposit the aggregate redemption price of Class F Shares to be
         redeemed, together with accrued and unpaid dividends thereon to the
         redemption date, with any bank or trust company in Cleveland, Ohio, or
         New York, New York, having capital and surplus of not less than
         $100,000,000 named in such notice and direct that there be paid to the
         respective holders of the Class F Shares so to be redeemed amounts
         equal to the redemption price of the Class F Shares so to be redeemed,
         together with such accrued and unpaid dividends thereon, on surrender
         of the share certificate or certificates held by such holders; and upon
         the deposit of such notice in the mail and the making of such deposit
         of money with such bank or trust company, such holders shall cease to
         be shareholders with respect to such shares; and from and after the
         time such notice shall have been so deposited and such deposit of money
         shall have been so made, such holders shall have no rights or claim
         against the Corporation with respect to such shares, except only the
         right to receive such money from such bank or trust company without
         interest or to exercise before the redemption date any unexpired
         privileges of conversion. In the event less than all of the outstanding
         Class F Shares are to be redeemed, the Corporation shall select by lot
         the shares so to be redeemed in such manner as shall be prescribed by
         the Board of Directors.

                      (2) If the holders of Class F Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

                                       54
<PAGE>

                  (c) Any Class F Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class F Shares without
         serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class F Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class F Shares, unless
         all dividends on all Class F Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class F Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class F Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item VI, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are
         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class F Shares of the
         full preferential amounts as aforesaid, the holders of Class F Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

                                       55
<PAGE>

         Section 5. Voting.

                  (a) The holders of Class F Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class F Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of such Class F
         Shares, voting separately as a class, together with all Class A Shares,
         Class B Shares, Class C Shares, Class D Shares, Class E Shares, Class G
         Shares, Class H Shares, Class I Shares, Class J Shares, Class K Shares
         and Noncumulative Shares upon which like voting rights have been
         conferred and are exercisable under the circumstances described in
         Subsection 5(c), shall be entitled to elect, as herein provided, a
         total of two members of the Board of Directors of the Corporation;
         provided, however, that the holders of such Class F Shares shall not
         exercise such special class voting rights except at meetings of such
         shareholders for the election of directors at which the holders of not
         less than 50% of such Class F Shares are present in person or by proxy;
         and provided further that the special class voting rights provided for
         in this paragraph when the same shall have become vested shall remain
         so vested until all accrued and unpaid dividends on such Class F Shares
         then outstanding shall have been paid or declared and a sum sufficient
         for the payment thereof set aside for payment, whereupon the holders of
         such Class F Shares shall be divested of their special class voting
         rights in respect of subsequent elections of directors, subject to the
         revesting of such special class voting rights in the event above
         specified in this paragraph. All dividend payments made on the Class F
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such Class F Shares for any dividend period,
         shall be deemed to be made in respect of the earliest dividend period
         with respect to which the Corporation is in default.

                      (2) In the event of default entitling holders of Class F
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class F Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class F
         Shares. At any meeting at which such holders of Class F Shares shall be
         entitled to elect directors, holders of 50% of such Class F Shares,
         present in person or by proxy, shall be sufficient to constitute a
         quorum, and the vote of the holders of a majority of such shares so
         present at any such meeting at which there shall be such a quorum shall
         be sufficient to elect the members of the Board of Directors which such
         holders of Class F Shares are entitled to elect as herein provided.

                                       56
<PAGE>

         Notwithstanding any provision of these Amended and Restated Articles of
         Incorporation, as amended, or the Code of Regulations of the
         Corporation or any action taken by the holders of any class of shares
         fixing the number of directors of the Corporation, the two directors
         who may be elected by such holders of Class F Shares pursuant to this
         Subsection shall serve in addition to any other directors then in
         office or proposed to be elected otherwise than pursuant to this
         Subsection. Nothing in this Subsection shall prevent any change
         otherwise permitted in the total number of or classifications of
         directors of the Corporation or require the resignation of any director
         elected otherwise than pursuant to this Subsection. Notwithstanding any
         classification of the other directors of the Corporation, the two
         directors elected by such holders of Class F Shares shall be elected
         annually for terms expiring at the next succeeding annual meeting of
         shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Class F Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,
         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Class F Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class B Shares, Class C
         Shares, Class D Shares, Class E Shares, Class G Shares, Class H Shares,
         Class I Shares, Class J Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with each class of shares having a number of
         votes proportional to the aggregate liquidation preference of its
         outstanding shares). In such case, the holders of Class F Shares and of
         all such other shares then entitled so to vote, voting as a class,
         shall elect such directors. If the holders of any such other shares
         have elected such directors prior to the happening of the default or
         event permitting the holders of Class F Shares to elect directors, or
         prior to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class F
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class F Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                                       57
<PAGE>

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or other rights of the holders of
         Class F Shares which are set forth in these Amended and Restated
         Articles of Incorporation, as amended; provided, however, neither the
         amendment of these Amended and Restated Articles of Incorporation, as
         amended, so as to authorize, create or change the authorized or
         outstanding number of Class F Shares or of any shares ranking on a
         parity with or junior to the Class F Shares nor the amendment of the
         provisions of the Code of Regulations so as to change the number or
         classification of directors of the Corporation shall be deemed to
         affect adversely and materially preferences or voting or other rights
         of the holders of Class F Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class F Shares.

                  (e) In the event, and only to the extent, that (1) Class F
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class F Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class F Shares or of any shares ranking on a parity with or junior to
         the Class F Shares nor the Amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         the preferences or voting or other rights of the holders of such
         series.

                  SECTION 6. 8.60% CLASS F CUMULATIVE REDEEMABLE PREFERRED
SHARES. Of the 750,000 authorized Class F Shares, 690,000 shares are designated
as a series entitled "8.60% Class F Cumulative Redeemable Preferred Shares"
(hereinafter called "8.60% Class F Preferred Shares"). The 8.60% Class F
Preferred Shares shall have the express terms set forth in this Division as
being applicable to all Class F Shares as a class and, in addition, the
following express terms applicable to all 8.60% Class F Preferred Shares as a
series of Class F Shares:

         (a) The annual dividend rate of the 8.60% Class F Preferred Shares
         shall be 8.60% of the liquidation preference of $250.00 per share.

         (b) Dividends on the 8.60% Class F Preferred Shares shall be payable,
         if declared, quarterly on or about the fifteenth day of March, June,
         September, and December each year, the first quarterly dividend being
         payable, if declared, on June 15, 2002. The dividends payable for each
         full quarterly dividend period on each 8.60% Class F Preferred Shares
         shall be $0.5375.

                  Dividends for the initial dividend period on the 8.60% Class F
                  Preferred Shares, or for any period shorter or longer than a
                  full dividend period on the 8.60% Class F Preferred Shares,
                  shall be computed on the basis of a 360-day year consisting of
                  twelve 30-day months. The aggregate dividend payable quarterly
                  to each holder of 8.60% Class F Preferred Shares shall be
                  rounded to the nearest one one-hundredth of one cent with
                  $.00005 being rounded upward. Each dividend shall be payable
                  to the holders of record on such record date, no less than 10
                  nor more than 30 days preceding the payment date thereof, as
                  shall be fixed from time to time by the Corporation's Board of
                  Directors.

         (c) Dividends on 8.60% Class F Preferred Shares shall be cumulative as
         follows:

                  (1) With respect to shares included in the initial issue of
                  8.60% Class F Preferred Shares and shares issued any time
                  thereafter up to and including the record date for the payment
                  of the first dividend on the initial issue of 8.60% Class F
                  Preferred Shares, dividends shall be cumulative from the date
                  of the initial issue of 8.60% Class F Preferred Shares; and

                  (2) With respect to shares issued any time after the aforesaid
                  record date, dividends shall be cumulative from the dividend
                  payment date next preceding the date of issue of such shares,
                  except that if such shares are issued during the period
                  commencing the day after the record date for the payment of a
                  dividend on 8.60% Class F Preferred Shares and ending on the
                  payment date of that dividend, dividends with respect to such
                  shares shall be cumulative from that dividend payment date.

         (d) Except as required to preserve the Corporation's status as a real
         estate investment trust under the Internal Revenue Code of 1986, as
         amended, the 8.60% Class F Preferred Shares may not be redeemed prior
         to March 27, 2007. At any time or from time to time on and after March
         27, 2007 the Corporation, at its option upon not less than thirty (30)
         nor more than sixty (60) days' written notice, may redeem all or any
         part of the 8.60% Class F Preferred Shares at a redemption price of
         $250.00 per share plus, in each case, an amount equal to all dividends
         accrued and unpaid thereon to the redemption date, without interest.
         The redemption price (other than the portion thereof consisting of
         accrued and unpaid dividends) is payable solely out of the sale
         proceeds of other capital shares of the Corporation, which may include
         any equity securities (including common shares and preferred shares),
         shares, interests, participation or other ownership interests (however
         designated) and any rights (other than debt securities convertible into
         or exchangeable for equity securities), or options to purchase any of
         the foregoing.

         (e) The amount payable per 8.60% Class F Preferred Share in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation shall be $250.00, plus an amount
         equal to all dividends accrued and unpaid thereon to the date of
         payment.

         (f) All dividend payments made on the 8.60% Class F Preferred Shares,
         at any time during which the Corporation is in default in the payment
         of dividends on such 8.60% Class F Preferred Shares for any dividend
         period, shall, for the purposes of Section 5(b)(1) of this Division
         A-VI, be deemed to be made in respect of the earliest dividend period
         with respect to which the Corporation is in default.

   VII.  The Class G Cumulative Preferred Shares. The Class G Shares shall
have the following express terms:

         Section 1. Series. The Class G Shares may be issued from time to time
    in one or more series. All Class G Shares shall be of equal rank and shall
    be identical, except in respect of the matters that may be fixed by the
    Board of Directors as hereinafter provided, and each share of a series shall
    be identical with all other shares of such series, except as to the dates
    from which dividends shall accrue and be cumulative. All Class G Shares
    shall rank on a parity with the Class A Shares, Class B Shares, Class C
    Shares, Class D

                                       58
<PAGE>

    Shares, Class E Shares, Class F Shares, Class H Shares, Class I Shares,
    Class J Shares, Class K Shares and Noncumulative Shares and shall be
    identical to all Class A Shares, Class B Shares, Class C Shares, Class D
    Shares, Class E Shares, Class F Shares, Class H Shares, Class I Shares,
    Class J Shares, Class K Shares and Noncumulative Shares except (1) in
    respect of the matters that may be fixed by the Board of Directors as
    provided in clauses (a) through (i), inclusive, of this Section 1 and (2)
    only dividends on Cumulative Shares shall be cumulative as set forth herein.
    Subject to the provisions of Sections 2 through 5, both inclusive, and Item
    XIII of this Division, which provisions shall apply to all Class G Shares,
    the Board of Directors hereby is authorized to cause such shares to be
    issued in one or more series and, with respect to each such series to
    determine and fix prior to the issuance thereof (and thereafter, to the
    extent provided in clause (b) of this Section) the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item VII) on the issuance of shares of the same
         series or of any other class or series.

                                       59
<PAGE>

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), inclusive, of this Section and is authorized to take such actions
with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Class G Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class G Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class G Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for the dividend periods terminating on the same or any
         earlier date, ratably in proportion to the respective annual dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class G Shares of all series then issued and outstanding
         and entitled to receive such dividend and (ii) the dividends payable
         for the dividend periods terminating on the same or any earlier date
         (but, with respect to Noncumulative Shares, only with respect to the
         then current dividend period), ratably in proportion to the respective
         dividend rates fixed therefor, shall have been paid upon or declared or
         set apart for all Class A Shares, Class B Shares, Class C Shares, Class
         D Shares, Class E Shares, Class F Shares, Class H Shares, Class I
         Shares, Class J Shares, Class K Shares and Noncumulative Shares then
         issued and outstanding and entitled to receive such dividends.

                  (b) So long as any Class G Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class G Shares, shall be paid or declared or any
         distribution be made, except as aforesaid, in respect of the Common
         Shares or any other shares ranking junior to the Class G Shares, nor
         shall any Common Shares or any other shares ranking junior to the Class
         G Shares be purchased, retired or otherwise acquired by the
         Corporation, except out of the proceeds of the sale of Common Shares or
         other shares of the Corporation ranking junior to the Class G Shares
         received by the Corporation subsequent to the date of first issuance of
         Class G Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                                       60
<PAGE>

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item VII.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class G Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares, or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as amended, with respect to any other class
         or series of capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion
         of the Capital Gains Amount that shall be allocable to holders of the
         Class G Shares shall be the amount that the total dividends paid or
         made available to the holders of the Class G Shares for the year bears
         to the Total Dividends.

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class G
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item VII; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class G Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item VII; and shall in each case
         pay all accrued and unpaid dividends to the redemption date.

                   (b)(1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class G Shares to be
         redeemed at their

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<PAGE>

         respective addresses then appearing on the books of the Corporation,
         not less than 30 days nor more than 60 days prior to the date fixed for
         such redemption, or such other time prior thereto as the Board of
         Directors shall fix for any series pursuant to Section 1 of this Item
         VII prior to the issuance thereof. At any time after notice as provided
         above has been deposited in the mail, the Corporation may deposit the
         aggregate redemption price of Class G Shares to be redeemed, together
         with accrued and unpaid dividends thereon to the redemption date, with
         any bank or trust company in Cleveland, Ohio, or New York, New York,
         having capital and surplus of not less than $100,000,000 named in such
         notice and direct that there be paid to the respective holders of the
         Class G Shares so to be redeemed amounts equal to the redemption price
         of the Class G Shares so to be redeemed, together with such accrued and
         unpaid dividends thereon, on surrender of the share certificate or
         certificates held by such holders; and upon the deposit of such notice
         in the mail and the making of such deposit of money with such bank or
         trust company, such holders shall cease to be shareholders with respect
         to such shares; and from and after the time such notice shall have been
         so deposited and such deposit of money shall have been so made, such
         holders shall have no rights or claim against the Corporation with
         respect to such shares, except only the right to receive such money
         from such bank or trust company without interest or to exercise before
         the redemption date any unexpired privileges of conversion. In the
         event less than all of the outstanding Class G Shares are to be
         redeemed, the Corporation shall select by lot the shares so to be
         redeemed in such manner as shall be prescribed by the Board of
         Directors.

                      (2) If the holders of Class G Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

                  (c) Any Class G Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class G Shares without
         serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class G Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class G Shares, unless
         all dividends on all Class G Shares then outstanding for all previous
         and current dividend periods shall have been

                                       62
<PAGE>

         declared and paid or funds therefor set apart and all accrued sinking
         fund obligations applicable thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class G Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class G Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item VII, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are
         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class G Shares of the
         full preferential amounts as aforesaid, the holders of Class G Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

         Section 5. Voting.

                  (a) The holders of Class G Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class G Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of such Class G
         Shares, voting separately as a class, together with all Class A Shares,
         Class B Shares, Class C Shares, Class D Shares, Class E Shares, Class F
         Shares, Class H Shares, Class I Shares, Class J Shares, Class K Shares
         and Noncumulative Shares upon which like voting rights have been
         conferred and are exercisable under the circumstances described in
         Subsection 5(c), shall be entitled to elect, as herein provided, a
         total of two members of the Board of Directors of the Corporation;
         provided, however, that the holders of such Class G

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<PAGE>

         Shares shall not exercise such special class voting rights except at
         meetings of such shareholders for the election of directors at which
         the holders of not less than 50% of such Class G Shares are present in
         person or by proxy; and provided further that the special class voting
         rights provided for in this paragraph when the same shall have become
         vested shall remain so vested until all accrued and unpaid dividends on
         such Class G Shares then outstanding shall have been paid or declared
         and a sum sufficient for the payment thereof set aside for payment,
         whereupon the holders of such Class G Shares shall be divested of their
         special class voting rights in respect of subsequent elections of
         directors, subject to the revesting of such special class voting rights
         in the event above specified in this paragraph. All dividend payments
         made on the Class G Shares, at any time during which the Corporation is
         in default in the payment of dividends on such Class G Shares for any
         dividend period, shall be deemed to be made in respect of the earliest
         dividend period with respect to which the Corporation is in default.

                  (2) In the event of default entitling holders of Class G
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class G Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class G
         Shares. At any meeting at which such holders of Class G Shares shall be
         entitled to elect directors, holders of 50% of such Class G Shares,
         present in person or by proxy, shall be sufficient to constitute a
         quorum, and the vote of the holders of a majority of such shares so
         present at any such meeting at which there shall be such a quorum shall
         be sufficient to elect the members of the Board of Directors which such
         holders of Class G Shares are entitled to elect as herein provided.
         Notwithstanding any provision of these Amended and Restated Articles of
         Incorporation, as amended, or the Code of Regulations of the
         Corporation or any action taken by the holders of any class of shares
         fixing the number of directors of the Corporation, the two directors
         who may be elected by such holders of Class G Shares pursuant to this
         Subsection shall serve in addition to any other directors then in
         office or proposed to be elected otherwise than pursuant to this
         Subsection. Nothing in this Subsection shall prevent any change
         otherwise permitted in the total number of or classifications of
         directors of the Corporation or require the resignation of any director
         elected otherwise than pursuant to this Subsection. Notwithstanding any
         classification of the other directors of the Corporation, the two
         directors elected by such holders of Class G Shares shall be elected
         annually for terms expiring at the next succeeding annual meeting of
         shareholders.

                  (3) Upon any divesting of the special class voting rights of
         the holders of the Class G Shares in respect of elections of directors
         as provided in

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<PAGE>

         this Subsection, the terms of office of all directors then in office
         elected by such holders shall terminate immediately thereupon. If the
         office of any director elected by such holders voting as a class
         becomes vacant by reason of death, resignation, removal from office or
         otherwise, the remaining director elected by such holders voting as a
         class may elect a successor who shall hold office for the unexpired
         term in respect of which such vacancy occurred.

                  (c) If at any time when the holders of Class G Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class B Shares, Class C
         Shares, Class D Shares, Class E Shares, Class F Shares, Class H Shares,
         Class I Shares, Class J Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with each class of shares having a number of
         votes proportional to the aggregate liquidation preference of its
         outstanding shares). In such case, the holders of Class G Shares and of
         all such other shares then entitled so to vote, voting as a class,
         shall elect such directors. If the holders of any such other shares
         have elected such directors prior to the happening of the default or
         event permitting the holders of Class G Shares to elect directors, or
         prior to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class G
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class G Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                  (1) Any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of the Amended and
         Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of Class G
         Shares which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class G Shares or of any shares ranking on a parity with or junior to
         the Class G Shares nor the amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         preferences or voting or other rights of the holders of Class G Shares;
         or

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<PAGE>

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class G Shares.

                  (e) In the event, and only to the extent, that (1) Class G
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class G Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class G Shares or of any shares ranking on a parity with or junior to
         the Class G Shares nor the Amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         the preferences or voting or other rights of the holders of such
         series.

  VIII.  The Class H Cumulative Preferred Shares. The Class H Shares shall
have the following express terms:

         Section 1. Series. The Class H Shares may be issued from time to time
  in one or more series. All Class H Shares shall be of equal rank and shall be
  identical, except in respect of the matters that may be fixed by the Board of
  Directors as hereinafter provided, and each share of a series shall be
  identical with all other shares of such series, except as to the dates from
  which dividends shall accrue and be cumulative. All Class H Shares shall rank
  on a parity with the Class A Shares, Class B Shares, Class C Shares, Class D
  Shares, Class E Shares, Class F Shares, Class G Shares, Class I Shares, Class
  J Shares, Class K Shares and Noncumulative Shares and shall be identical to
  all Class A Shares, Class B Shares, Class C Shares, Class D Shares, Class E
  Shares, Class F Shares, Class G Shares, Class I Shares, Class J Shares, Class
  K Shares and Noncumulative Shares except (1) in respect of the matters that
  may be fixed by the Board of Directors as provided in clauses (a) through (i),
  inclusive, of this Section 1 and (2) only dividends on Cumulative Shares shall
  be cumulative as set forth herein. Subject to the provisions of Sections 2
  through 5, both inclusive, and Item XIII of this Division, which provisions
  shall apply to all Class H Shares, the Board of Directors hereby is authorized
  to cause such shares to be issued in one or more series and, with respect to
  each such series to determine and fix prior to the issuance thereof (and
  thereafter, to the extent provided in clause (b) of this Section), the
  following:

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<PAGE>

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item VIII) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), inclusive, of this Section and is authorized to take such actions
with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Class H Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class H Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section

                                       67
<PAGE>

         1 above and no more, payable on the dates fixed for such series. Such
         dividends shall accrue and be cumulative, in the case of shares of each
         particular series, from and after the date or dates fixed with respect
         to such series. No dividends shall be paid upon or declared or set
         apart for any series of the Class H Shares for any dividend period
         unless at the same time (i) a like proportionate dividend for the
         dividend periods terminating on the same or any earlier date, ratably
         in proportion to the respective annual dividend rates fixed therefor,
         shall have been paid upon or declared or set apart for all Class H
         Shares of all series then issued and outstanding and entitled to
         receive such dividend and (ii) the dividends payable for the dividend
         periods terminating on the same or any earlier date (but, with respect
         to Noncumulative Shares, only with respect to the then current dividend
         period), ratably in proportion to the respective dividend rates fixed
         therefor, shall have been paid upon or declared or set apart for all
         Class A Shares, Class B Shares, Class C Shares, Class D Shares, Class E
         Shares, Class F Shares, Class G Shares, Class I Shares, Class J Shares,
         Class K Shares and Noncumulative Shares then issued and outstanding and
         entitled to receive such dividends.

                  (b) So long as any Class H Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class H Shares, shall be paid or declared or any
         distribution be made, except as aforesaid, in respect of the Common
         Shares or any other shares ranking junior to the Class H Shares, nor
         shall any Common Shares or any other shares ranking junior to the Class
         H Shares be purchased, retired or otherwise acquired by the
         Corporation, except out of the proceeds of the sale of Common Shares or
         other shares of the Corporation ranking junior to the Class H Shares
         received by the Corporation subsequent to the date of first issuance of
         Class H Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item VIII.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class H Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or

                                       68
<PAGE>

         otherwise, (ii) the conversion of Cumulative Shares or Noncumulative
         Shares into Common Shares, or (iii) the exercise by the Corporation of
         its rights pursuant to Item XIV(d) of this Division A, Section 4(d) of
         Division B or any similar Section hereafter contained in these Amended
         and Restated Articles of Incorporation, as amended, with respect to any
         other class or series of capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion
         of the Capital Gains Amount that shall be allocable to holders of the
         Class H Shares shall be the amount that the total dividends paid or
         made available to the holders of the Class H Shares for the year bears
         to the Total Dividends.

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class H
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item VIII; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class H Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item VIII; and shall in each case
         pay all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class H Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item VIII prior to the issuance thereof. At any time after
         notice as provided above has been deposited in the mail, the
         Corporation may deposit the aggregate redemption price of Class H
         Shares to be redeemed, together with accrued and unpaid dividends
         thereon to the redemption date, with any bank or trust company in
         Cleveland, Ohio, or New York, New York, having capital and surplus of
         not less than $100,000,000 named in such notice and direct that there
         be paid to the respective holders of the Class H Shares so to be
         redeemed amounts equal to the redemption price of the Class H Shares so
         to be redeemed, together with such accrued and unpaid dividends
         thereon, on surrender of the share certificate or certificates held by
         such holders; and upon the deposit

                                       69
<PAGE>

         of such notice in the mail and the making of such deposit of money with
         such bank or trust company, such holders shall cease to be shareholders
         with respect to such shares; and from and after the time such notice
         shall have been so deposited and such deposit of money shall have been
         so made, such holders shall have no rights or claim against the
         Corporation with respect to such shares, except only the right to
         receive such money from such bank or trust company without interest or
         to exercise before the redemption date any unexpired privileges of
         conversion. In the event less than all of the outstanding Class H
         Shares are to be redeemed, the Corporation shall select by lot the
         shares so to be redeemed in such manner as shall be prescribed by the
         Board of Directors.

                      (2) If the holders of Class H Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

                  (c) Any Class H Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class H Shares without
         serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class H Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class H Shares, unless
         all dividends on all Class H Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class H Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class H Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item VIII, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to

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<PAGE>

         such liquidation, dissolution or winding up of the affairs of the
         Corporation. In the event the net assets of the Corporation legally
         available therefor are insufficient to permit the payment upon all
         outstanding Cumulative Shares and Noncumulative Shares of the full
         preferential amount to which they are respectively entitled, then such
         net assets shall be distributed ratably upon all outstanding Cumulative
         Shares and Noncumulative Shares in proportion to the full preferential
         amount to which each such share is entitled.

                      (2) After payment to the holders of Class H Shares of the
         full preferential amounts as aforesaid, the holders of Class H Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

         Section 5. Voting.

                  (a) The holders of Class H Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class H Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of such Class H
         Shares, voting separately as a class, together with all Class A Shares,
         Class B Shares, Class C Shares, Class D Shares, Class E Shares, Class F
         Shares, Class G Shares, Class I Shares, Class J Shares, Class K Shares
         and Noncumulative Shares upon which like voting rights have been
         conferred and are exercisable under the circumstances described in
         Subsection 5(c), shall be entitled to elect, as herein provided, a
         total of two members of the Board of Directors of the Corporation;
         provided, however, that the holders of such Class H Shares shall not
         exercise such special class voting rights except at meetings of such
         shareholders for the election of directors at which the holders of not
         less than 50% of such Class H Shares are present in person or by proxy;
         and provided further that the special class voting rights provided for
         in this paragraph when the same shall have become vested shall remain
         so vested until all accrued and unpaid dividends on such Class H Shares
         then outstanding shall have been paid or declared and a sum sufficient
         for the payment thereof set aside for payment, whereupon the holders of
         such Class H Shares shall be divested of their special class voting
         rights in respect of subsequent elections of directors, subject to the
         revesting of such special class voting rights in the event above
         specified in this paragraph. All dividend payments made on the Class H
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such

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         Class H Shares for any dividend period, shall be deemed to be made in
         respect of the earliest dividend period with respect to which the
         Corporation is in default.

                      (2) In the event of default entitling holders of Class H
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class H Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class H
         Shares. At any meeting at which such holders of Class H Shares shall be
         entitled to elect directors, holders of 50% of such Class H Shares,
         present in person or by proxy, shall be sufficient to constitute a
         quorum, and the vote of the holders of a majority of such shares so
         present at any such meeting at which there shall be such a quorum shall
         be sufficient to elect the members of the Board of Directors which such
         holders of Class H Shares are entitled to elect as herein provided.
         Notwithstanding any provision of these Amended and Restated Articles of
         Incorporation, as amended, or the Code of Regulations of the
         Corporation or any action taken by the holders of any class of shares
         fixing the number of directors of the Corporation, the two directors
         who may be elected by such holders of Class H Shares pursuant to this
         Subsection shall serve in addition to any other directors then in
         office or proposed to be elected otherwise than pursuant to this
         Subsection. Nothing in this Subsection shall prevent any change
         otherwise permitted in the total number of or classifications of
         directors of the Corporation or require the resignation of any director
         elected otherwise than pursuant to this Subsection. Notwithstanding any
         classification of the other directors of the Corporation, the two
         directors elected by such holders of Class H Shares shall be elected
         annually for terms expiring at the next succeeding annual meeting of
         shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Class H Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,
         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Class H Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class B Shares, Class C
         Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
         Class I Shares, Class J Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of

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<PAGE>

         any default in the payment of dividends thereon, then the voting rights
         of the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with each class of shares having a number of
         votes proportional to the aggregate liquidation preference of its
         outstanding shares). In such case, the holders of Class H Shares and of
         all such other shares then entitled so to vote, voting as a class,
         shall elect such directors. If the holders of any such other shares
         have elected such directors prior to the happening of the default or
         event permitting the holders of Class H Shares to elect directors, or
         prior to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class H
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class H Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or other rights of the holders of
         Class H Shares which are set forth in these Amended and Restated
         Articles of Incorporation, as amended; provided, however, neither the
         amendment of these Amended and Restated Articles of Incorporation, as
         amended, so as to authorize, create or change the authorized or
         outstanding number of Class H Shares or of any shares ranking on a
         parity with or junior to the Class H Shares nor the amendment of the
         provisions of the Code of Regulations so as to change the number or
         classification of directors of the Corporation shall be deemed to
         affect adversely and materially preferences or voting or other rights
         of the holders of Class H Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class H Shares.

                  (e) In the event, and only to the extent, that (1) Class H
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class H Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of

                                       73
<PAGE>

         such series which are set forth in these Amended and Restated Articles
         of Incorporation, as amended; provided, however, neither the amendment
         of these Amended and Restated Articles of Incorporation, as amended, so
         as to authorize, create or change the authorized or outstanding number
         of Class H Shares or of any shares ranking on a parity with or junior
         to the Class H Shares nor the Amendment of the provisions of the Code
         of Regulations so as to change the number or classification of
         directors of the Corporation shall be deemed to affect adversely and
         materially the preferences or voting or other rights of the holders of
         such series.

   IX.   The Class I Cumulative Preferred Shares. The Class I Shares shall
have the following express terms:

         Section 1. Series. The Class I Shares may be issued from time to time
   in one or more series. All Class I Shares shall be of equal rank and shall be
   identical, except in respect of the matters that may be fixed by the Board of
   Directors as hereinafter provided, and each share of a series shall be
   identical with all other shares of such series, except as to the dates from
   which dividends shall accrue and be cumulative. All Class I Shares shall rank
   on a parity with the Class A Shares, Class B Shares, Class C Shares, Class D
   Shares, Class E Shares, Class F Shares, Class G Shares, Class H Shares, Class
   J Shares, Class K Shares and Noncumulative Shares and shall be identical to
   all Class A Shares, Class B Shares, Class C Shares, Class D Shares, Class E
   Shares, Class F Shares, Class G Shares, Class H Shares, Class J Shares, Class
   K Shares and Noncumulative Shares except (1) in respect of the matters that
   may be fixed by the Board of Directors as provided in clauses (a) through
   (i), inclusive, of this Section 1 and (2) only dividends on Cumulative Shares
   shall be cumulative as set forth herein. Subject to the provisions of
   Sections 2 through 5, both inclusive, and Item XIII of this Division, which
   provisions shall apply to all Class I Shares, the Board of Directors hereby
   is authorized to cause such shares to be issued in one or more series and,
   with respect to each such series to determine and fix prior to the issuance
   thereof (and thereafter, to the extent provided in clause (b) of this
   Section), the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

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<PAGE>

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item IX) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), inclusive, of this Section and is authorized to take such actions
with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Class I Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class I Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class I Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for the dividend periods terminating on the same or any
         earlier date, ratably in proportion to the respective annual dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class I Shares of all series then issued and outstanding
         and entitled to receive such dividend and (ii) the dividends payable
         for the dividend periods terminating on the same or any earlier date
         (but, with respect to Noncumulative Shares, only with respect to the
         then current dividend period), ratably in proportion to the respective
         dividend rates fixed therefor, shall have been paid upon or declared or
         set apart for all Class A Shares, Class B Shares, Class C Shares, Class
         D Shares, Class E Shares, Class F Shares, Class G Shares, Class H
         Shares, Class J Shares, Class K Shares and

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<PAGE>

         Noncumulative Shares then issued and outstanding and entitled to
         receive such dividends.

                  (b) So long as any Class I Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class I Shares, shall be paid or declared or any
         distribution be made, except as aforesaid, in respect of the Common
         Shares or any other shares ranking junior to the Class I Shares, nor
         shall any Common Shares or any other shares ranking junior to the Class
         I Shares be purchased, retired or otherwise acquired by the
         Corporation, except out of the proceeds of the sale of Common Shares or
         other shares of the Corporation ranking junior to the Class I Shares
         received by the Corporation subsequent to the date of first issuance of
         Class I Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item IX.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class I Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares, or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as amended, with respect to any other class
         or series of capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion
         of the Capital Gains Amount that shall be allocable to holders of the
         Class I Shares shall

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<PAGE>

         be the amount that the total dividends paid or made available to the
         holders of the Class I Shares for the year bears to the Total
         Dividends.

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class I
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item IX; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class I Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item IX; and shall in each case pay
         all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class I Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item IX prior to the issuance thereof. At any time after notice
         as provided above has been deposited in the mail, the Corporation may
         deposit the aggregate redemption price of Class I Shares to be
         redeemed, together with accrued and unpaid dividends thereon to the
         redemption date, with any bank or trust company in Cleveland, Ohio, or
         New York, New York, having capital and surplus of not less than
         $100,000,000 named in such notice and direct that there be paid to the
         respective holders of the Class I Shares so to be redeemed amounts
         equal to the redemption price of the Class I Shares so to be redeemed,
         together with such accrued and unpaid dividends thereon, on surrender
         of the share certificate or certificates held by such holders; and upon
         the deposit of such notice in the mail and the making of such deposit
         of money with such bank or trust company, such holders shall cease to
         be shareholders with respect to such shares; and from and after the
         time such notice shall have been so deposited and such deposit of money
         shall have been so made, such holders shall have no rights or claim
         against the Corporation with respect to such shares, except only the
         right to receive such money from such bank or trust company without
         interest or to exercise before the redemption date any unexpired
         privileges of conversion. In the event less than all of the outstanding
         Class I Shares are to be redeemed, the Corporation shall select by lot
         the shares so to be redeemed in such manner as shall be prescribed by
         the Board of Directors.

                      (2) If the holders of Class I Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon

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<PAGE>

         demand, pay over to the Corporation such unclaimed amounts and
         thereupon such bank or trust company and the Corporation shall be
         relieved of all responsibility in respect thereof and to such holders.

                  (c) Any Class I Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class I Shares without
         serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class I Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class I Shares, unless
         all dividends on all Class I Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class I Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class I Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item IX, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are
         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class I Shares of the
         full preferential amounts as aforesaid, the holders of Class I Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or

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<PAGE>

         conveyance of all or substantially all the assets of the Corporation
         shall not be deemed to be a dissolution, liquidation or winding up for
         the purposes of this Section.

         Section 5. Voting.

                  (a) The holders of Class I Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class I Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of such Class I
         Shares, voting separately as a class, together with all Class A Shares,
         Class B Shares, Class C Shares, Class D Shares, Class E Shares, Class F
         Shares, Class G Shares, Class H Shares, Class J Shares, Class K Shares
         and Noncumulative Shares upon which like voting rights have been
         conferred and are exercisable under the circumstances described in
         Subsection 5(c), shall be entitled to elect, as herein provided, a
         total of two members of the Board of Directors of the Corporation;
         provided, however, that the holders of such Class I Shares shall not
         exercise such special class voting rights except at meetings of such
         shareholders for the election of directors at which the holders of not
         less than 50% of such Class I Shares are present in person or by proxy;
         and provided further that the special class voting rights provided for
         in this paragraph when the same shall have become vested shall remain
         so vested until all accrued and unpaid dividends on such Class I Shares
         then outstanding shall have been paid or declared and a sum sufficient
         for the payment thereof set aside for payment, whereupon the holders of
         such Class I Shares shall be divested of their special class voting
         rights in respect of subsequent elections of directors, subject to the
         revesting of such special class voting rights in the event above
         specified in this paragraph. All dividend payments made on the Class I
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such Class I Shares for any dividend period,
         shall be deemed to be made in respect of the earliest dividend period
         with respect to which the Corporation is in default.

                      (2) In the event of default entitling holders of Class I
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class I Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class I
         Shares. At any meeting at which such holders of Class I Shares shall be
         entitled to elect directors, holders of 50% of such Class I Shares,
         present in person or by

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<PAGE>

         proxy, shall be sufficient to constitute a quorum, and the vote of the
         holders of a majority of such shares so present at any such meeting at
         which there shall be such a quorum shall be sufficient to elect the
         members of the Board of Directors which such holders of Class I Shares
         are entitled to elect as herein provided. Notwithstanding any provision
         of these Amended and Restated Articles of Incorporation, as amended, or
         the Code of Regulations of the Corporation or any action taken by the
         holders of any class of shares fixing the number of directors of the
         Corporation, the two directors who may be elected by such holders of
         Class I Shares pursuant to this Subsection shall serve in addition to
         any other directors then in office or proposed to be elected otherwise
         than pursuant to this Subsection. Nothing in this Subsection shall
         prevent any change otherwise permitted in the total number of or
         classifications of directors of the Corporation or require the
         resignation of any director elected otherwise than pursuant to this
         Subsection. Notwithstanding any classification of the other directors
         of the Corporation, the two directors elected by such holders of Class
         I Shares shall be elected annually for terms expiring at the next
         succeeding annual meeting of shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Class I Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,
         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Class I Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class B Shares, Class C
         Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
         Class H Shares, Class J Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with each class of shares having a number of
         votes proportional to the aggregate liquidation preference of its
         outstanding shares). In such case, the holders of Class I Shares and of
         all such other shares then entitled so to vote, voting as a class,
         shall elect such directors. If the holders of any such other shares
         have elected such directors prior to the happening of the default or
         event permitting the holders of Class I Shares to elect directors, or
         prior to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class I
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

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<PAGE>

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class I Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or other rights of the holders of
         Class I Shares which are set forth in these Amended and Restated
         Articles of Incorporation, as amended; provided, however, neither the
         amendment of these Amended and Restated Articles of Incorporation, as
         amended, so as to authorize, create or change the authorized or
         outstanding number of Class I Shares or of any shares ranking on a
         parity with or junior to the Class I Shares nor the amendment of the
         provisions of the Code of Regulations so as to change the number or
         classification of directors of the Corporation shall be deemed to
         affect adversely and materially preferences or voting or other rights
         of the holders of Class I Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class I Shares.

                  (e) In the event, and only to the extent, that (1) Class I
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class I Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class I Shares or of any shares ranking on a parity with or junior to
         the Class I Shares nor the Amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         the preferences or voting or other rights of the holders of such
         series.

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   X.    The Class J Cumulative Preferred Shares. The Class J Shares shall
have the following express terms:

         Section 1. Series. The Class J Shares may be issued from time to time
   in one or more series. All Class J Shares shall be of equal rank and shall be
   identical, except in respect of the matters that may be fixed by the Board of
   Directors as hereinafter provided, and each share of a series shall be
   identical with all other shares of such series, except as to the dates from
   which dividends shall accrue and be cumulative. All Class J Shares shall rank
   on a parity with the Class A Shares, Class B Shares, Class C Shares, Class D
   Shares, Class E Shares, Class F Shares, Class G Shares, Class H Shares, Class
   I Shares, Class K Shares and Noncumulative Shares and shall be identical to
   all Class A Shares, Class B Shares, Class C Shares, Class D Shares, Class E
   Shares, Class F Shares, Class G Shares, Class H Shares, Class I Shares, Class
   K Shares and Noncumulative Shares except (1) in respect of the matters that
   may be fixed by the Board of Directors as provided in clauses (a) through
   (i), inclusive, of this Section 1 and (2) only dividends on Cumulative Shares
   shall be cumulative as set forth herein. Subject to the provisions of
   Sections 2 through 5, both inclusive, and Item XIII of this Division, which
   provisions shall apply to all Class J Shares, the Board of Directors hereby
   is authorized to cause such shares to be issued in one or more series and,
   with respect to each such series to determine and fix prior to the issuance
   thereof (and thereafter, to the extent provided in clause (b) of this
   Section), the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

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                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item X) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), inclusive, of this Section and is authorized to take such actions
with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Class J Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class J Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class J Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for the dividend periods terminating on the same or any
         earlier date, ratably in proportion to the respective annual dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class J Shares of all series then issued and outstanding
         and entitled to receive such dividend and (ii) the dividends payable
         for the dividend periods terminating on the same or any earlier date
         (but, with respect to Noncumulative Shares, only with respect to the
         then current dividend period), ratably in proportion to the respective
         dividend rates fixed therefor, shall have been paid upon or declared or
         set apart for all Class A Shares, Class B Shares, Class C Shares, Class
         D Shares, Class E Shares, Class F Shares, Class G Shares, Class H
         Shares, Class I Shares, Class K Shares and Noncumulative Shares then
         issued and outstanding and entitled to receive such dividends.

                  (b) So long as any Class J Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class J Shares, shall be paid or declared or any
         distribution be made, except as aforesaid, in respect of the Common
         Shares or any other shares ranking junior to the Class J Shares, nor
         shall any Common Shares or any other shares ranking junior to the Class
         J Shares be purchased, retired or otherwise acquired by the
         Corporation, except out of the proceeds of the sale of Common Shares or
         other

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         shares of the Corporation ranking junior to the Class J Shares received
         by the Corporation subsequent to the date of first issuance of Class J
         Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item X.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class J Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares, or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as amended, with respect to any other class
         or series of capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion
         of the Capital Gains Amount that shall be allocable to holders of the
         Class J Shares shall be the amount that the total dividends paid or
         made available to the holders of the Class J Shares for the year bears
         to the Total Dividends.

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class J
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item X; and

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                      (2) Shall, from time to time, make such redemptions of
         each series of Class J Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item X; and shall in each case pay
         all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class J Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item X prior to the issuance thereof. At any time after notice
         as provided above has been deposited in the mail, the Corporation may
         deposit the aggregate redemption price of Class J Shares to be
         redeemed, together with accrued and unpaid dividends thereon to the
         redemption date, with any bank or trust company in Cleveland, Ohio, or
         New York, New York, having capital and surplus of not less than
         $100,000,000 named in such notice and direct that there be paid to the
         respective holders of the Class J Shares so to be redeemed amounts
         equal to the redemption price of the Class J Shares so to be redeemed,
         together with such accrued and unpaid dividends thereon, on surrender
         of the share certificate or certificates held by such holders; and upon
         the deposit of such notice in the mail and the making of such deposit
         of money with such bank or trust company, such holders shall cease to
         be shareholders with respect to such shares; and from and after the
         time such notice shall have been so deposited and such deposit of money
         shall have been so made, such holders shall have no rights or claim
         against the Corporation with respect to such shares, except only the
         right to receive such money from such bank or trust company without
         interest or to exercise before the redemption date any unexpired
         privileges of conversion. In the event less than all of the outstanding
         Class J Shares are to be redeemed, the Corporation shall select by lot
         the shares so to be redeemed in such manner as shall be prescribed by
         the Board of Directors.

                      (2) If the holders of Class J Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

                      (c) Any Class J Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Class J Shares without
         serial designation.

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                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class J Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class J Shares, unless
         all dividends on all Class J Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class J Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class J Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item X, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are
         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class J Shares of the
         full preferential amounts as aforesaid, the holders of Class J Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

         Section 5. Voting.

                  (a) The holders of Class J Shares shall have no voting rights,
         except as provided in this Section or required by law.

                      (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class J Shares at
         the time outstanding,

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         whether or not earned or declared, for a number of dividend payment
         periods, whether consecutive or not, which in the aggregate contain at
         least 540 days, all holders of such Class J Shares, voting separately
         as a class, together with all Class A Shares, Class B Shares, Class C
         Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
         Class H Shares, Class I Shares, Class K Shares and Noncumulative Shares
         upon which like voting rights have been conferred and are exercisable
         under the circumstances described in Subsection 5(c), shall be entitled
         to elect, as herein provided, a total of two members of the Board of
         Directors of the Corporation; provided, however, that the holders of
         such Class J Shares shall not exercise such special class voting rights
         except at meetings of such shareholders for the election of directors
         at which the holders of not less than 50% of such Class J Shares are
         present in person or by proxy; and provided further that the special
         class voting rights provided for in this paragraph when the same shall
         have become vested shall remain so vested until all accrued and unpaid
         dividends on such Class J Shares then outstanding shall have been paid
         or declared and a sum sufficient for the payment thereof set aside for
         payment, whereupon the holders of such Class J Shares shall be divested
         of their special class voting rights in respect of subsequent elections
         of directors, subject to the revesting of such special class voting
         rights in the event above specified in this paragraph. All dividend
         payments made on the Class J Shares, at any time during which the
         Corporation is in default in the payment of dividends on such Class J
         Shares for any dividend period, shall be deemed to be made in respect
         of the earliest dividend period with respect to which the Corporation
         is in default.

                  (2) In the event of default entitling holders of Class J
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class J Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class J
         Shares. At any meeting at which such holders of Class J Shares shall be
         entitled to elect directors, holders of 50% of such Class J Shares,
         present in person or by proxy, shall be sufficient to constitute a
         quorum, and the vote of the holders of a majority of such shares so
         present at any such meeting at which there shall be such a quorum shall
         be sufficient to elect the members of the Board of Directors which such
         holders of Class J Shares are entitled to elect as herein provided.
         Notwithstanding any provision of these Amended and Restated Articles of
         Incorporation, as amended, or the Code of Regulations of the
         Corporation or any action taken by the holders of any class of shares
         fixing the number of directors of the Corporation, the two directors
         who may be elected by such holders of Class J Shares pursuant to this
         Subsection shall serve in addition to any other directors then in
         office or proposed to be elected otherwise than pursuant to this
         Subsection. Nothing in this Subsection shall prevent any change
         otherwise

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         permitted in the total number of or classifications of directors of the
         Corporation or require the resignation of any director elected
         otherwise than pursuant to this Subsection. Notwithstanding any
         classification of the other directors of the Corporation, the two
         directors elected by such holders of Class J Shares shall be elected
         annually for terms expiring at the next succeeding annual meeting of
         shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Class J Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,
         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Class J Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class B Shares, Class C
         Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
         Class H Shares, Class I Shares, Class K Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with each class of shares having a number of
         votes proportional to the aggregate liquidation preference of its
         outstanding shares). In such case, the holders of Class J Shares and of
         all such other shares then entitled so to vote, voting as a class,
         shall elect such directors. If the holders of any such other shares
         have elected such directors prior to the happening of the default or
         event permitting the holders of Class J Shares to elect directors, or
         prior to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class J
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class J Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or other rights of the holders of
         Class J Shares which are set forth in these Amended and Restated
         Articles of Incorporation, as amended; provided, however, neither the
         amendment of these Amended and Restated Articles of Incorporation, as

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         amended, so as to authorize, create or change the authorized or
         outstanding number of Class J Shares or of any shares ranking on a
         parity with or junior to the Class J Shares nor the amendment of the
         provisions of the Code of Regulations so as to change the number or
         classification of directors of the Corporation shall be deemed to
         affect adversely and materially preferences or voting or other rights
         of the holders of Class J Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class J Shares.

                  (e) In the event, and only to the extent, that (1) Class J
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class J Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class J Shares or of any shares ranking on a parity with or junior to
         the Class J Shares nor the Amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         the preferences or voting or other rights of the holders of such
         series.

         Section 6. 9% Class J Cumulative Redeemable Preferred Shares. Of the
    750,000 authorized Class J Shares, 450,000 shares are designated as a series
    entitled "9% Class J Cumulative Redeemable Preferred Shares" (hereinafter
    called "9% Class J Preferred Shares"). The 9% Class J Preferred Share shall
    have the express terms set forth in this Division as being applicable to all
    Class J Preferred Shares as a class and, in addition, the following express
    terms applicable to all 9% Class J Preferred Shares as a series of Class J
    Shares:

                  (a) The annual dividend rate of the 9% Class J Preferred
         Shares shall be 9% of the liquidation preference of $250.00 per share.

                  (b) Dividends on the 9% Class J Preferred Shares shall be
         payable, if declared, quarterly on or about the fifteenth day of
         January, April, July and October. The dividends payable for each full
         quarterly dividend period on each 9% Class J Preferred Share shall be
         $5.625. Dividends for any period shorter or longer than a full dividend
         period on the 9% Class J Preferred Shares, shall be

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         computed on the basis of a 360-day year consisting of twelve 30-day
         months. The aggregate dividend payable quarterly to each holder of 9%
         Class J Preferred Shares shall be rounded to the nearest one-hundredth
         of one cent with $.00005 being rounded upward. Each dividend shall be
         payable to the holders of record on such record date, no less than 10
         nor more than 30 days preceding the payment date thereof, as shall be
         fixed from time to time by the Corporation's Board of Directors.

                  (c) Dividends on 9% Class J Preferred Shares shall be
         cumulative as follows:

         (1) With respect to shares included in the initial issue of 9% Class J
    Preferred Shares and shares issued any time thereafter up to and including
    the record date for the payment of the first dividend on the initial issue
    of 9% Class J Preferred Shares, dividends shall be cumulative from the date
    of the initial issue of 9% Class J Preferred Shares; and

         (2) With respect to shares issued any time after the aforesaid record
    date, dividends shall be cumulative from the dividend payment date next
    preceding the date of issue of such shares, except that if such shares are
    issued during the period commencing the day after the record date for the
    payment of a dividend on 9% Class J Preferred Shares and ending on the
    payment date of that dividend, dividends with respect to such shares shall
    be cumulative from that dividend payment date.

                  (d) The Corporation may, at any time or from time to time on,
         at its option upon not less than thirty (30) nor more than sixty (60)
         days' written notice, may redeem all or any part of the 9% Class J
         Preferred Shares at a redemption price of $250.00 per share plus, in
         each case, an amount equal to all dividends accrued and unpaid thereon
         to the redemption date, without interest. The redemption price (other
         than the portion thereof consisting of accrued and unpaid dividends) is
         payable solely out of the sale proceeds of other capital shares of the
         Corporation, which may include any equity securities (including common
         shares and preferred shares), shares, interests, participation or other
         ownership interests (however designated) and any rights (other than
         debt securities convertible into or exchangeable for equity
         securities), or options to purchase any of the foregoing.

                  (e) The amount payable per 9% Class J Preferred Share in the
         event of any voluntary or involuntary liquidation, dissolution or
         winding up of the affairs of the Corporation shall be $250.00, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment.

                  (f) The affirmative vote of the holders of at least two-thirds
         of the Class J Preferred Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose, shall be necessary to effect the
         authorization, creation, increase in the authorized number of or
         issuance of any shares, or any security convertible into or

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         exchangeable for shares, in any such case ranking prior to such series
         of Class J Preferred Shares in dividends, distributions or rights upon
         liquidation, dissolution or winding up.

    XI.  The Class K Cumulative Preferred Shares. The Class K Shares shall
have the following express terms:

         Section 1. Series. The Class K Shares may be issued from time to time
    in one or more series. All Class K Shares shall be of equal rank and shall
    be identical, except in respect of the matters that may be fixed by the
    Board of Directors as hereinafter provided, and each share of a series shall
    be identical with all other shares of such series, except as to the dates
    from which dividends shall accrue and be cumulative. All Class K Shares
    shall rank on a parity with the Class A Shares, Class B Shares, Class C
    Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
    Class H Shares, Class I Shares, Class J Shares and Noncumulative Shares and
    shall be identical to all Class A Shares, Class B Shares, Class C Shares,
    Class D Shares, Class E Shares, Class F Shares, Class G Shares, Class H
    Shares, Class I Shares, Class J Shares and Noncumulative Shares except (1)
    in respect of the matters that may be fixed by the Board of Directors as
    provided in clauses (a) through (i), inclusive, of this Section 1 and (2)
    only dividends on Cumulative Shares shall be cumulative as set forth herein.
    Subject to the provisions of Sections 2 through 5, both inclusive, and Item
    XIII of this Division, which provisions shall apply to all Class K Shares,
    the Board of Directors hereby is authorized to cause such shares to be
    issued in one or more series and, with respect to each such series to
    determine and fix prior to the issuance thereof (and thereafter, to the
    extent provided in clause (b) of this Section), the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The date or dates from which dividends shall accrue and be
         cumulative and the dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

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                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item XI) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), inclusive, of this Section and is authorized to take such actions
with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Class K Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Class K Shares, shall be entitled to
         receive out of any funds legally available therefor, and when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue and be cumulative, in the case of
         shares of each particular series, from and after the date or dates
         fixed with respect to such series. No dividends shall be paid upon or
         declared or set apart for any series of the Class K Shares for any
         dividend period unless at the same time (i) a like proportionate
         dividend for the dividend periods terminating on the same or any
         earlier date, ratably in proportion to the respective annual dividend
         rates fixed therefor, shall have been paid upon or declared or set
         apart for all Class K Shares of all series then issued and outstanding
         and entitled to receive such dividend and (ii) the dividends payable
         for the dividend periods terminating on the same or any earlier date
         (but, with respect to Noncumulative Shares, only with respect to the
         then current dividend period), ratably in proportion to the respective
         dividend rates fixed therefor, shall have been paid upon or declared or
         set apart for all Class A Shares, Class B Shares, Class C Shares, Class
         D Shares, Class E Shares, Class F Shares, Class G Shares, Class H
         Shares, Class I Shares, Class J Shares and Noncumulative Shares then
         issued and outstanding and entitled to receive such dividends.

                  (b) So long as any Class K Shares shall be outstanding no
         dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Class K Shares, shall be paid or declared or any
         distribution be made, except as

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         aforesaid, in respect of the Common Shares or any other shares ranking
         junior to the Class K Shares, nor shall any Common Shares or any other
         shares ranking junior to the Class K Shares be purchased, retired or
         otherwise acquired by the Corporation, except out of the proceeds of
         the sale of Common Shares or other shares of the Corporation ranking
         junior to the Class K Shares received by the Corporation subsequent to
         the date of first issuance of Class K Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item XI.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Class K Shares shall be inapplicable to
         (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares, or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation, as amended, with respect to any other class
         or series of capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion
         of the Capital Gains Amount that shall be allocable to holders of the
         Class K Shares shall be the amount that the total dividends paid or
         made available to the holders of the Class K Shares for the year bears
         to the Total Dividends.

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

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                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of Class K
         Shares at the time outstanding at the applicable redemption price for
         such series fixed in accordance with the provisions of Section 1 of
         this Item XI; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Class K Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item XI; and shall in each case pay
         all accrued and unpaid dividends to the redemption date.

                  (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Class K Shares to be
         redeemed at their respective addresses then appearing on the books of
         the Corporation, not less than 30 days nor more than 60 days prior to
         the date fixed for such redemption, or such other time prior thereto as
         the Board of Directors shall fix for any series pursuant to Section 1
         of this Item XI prior to the issuance thereof. At any time after notice
         as provided above has been deposited in the mail, the Corporation may
         deposit the aggregate redemption price of Class K Shares to be
         redeemed, together with accrued and unpaid dividends thereon to the
         redemption date, with any bank or trust company in Cleveland, Ohio, or
         New York, New York, having capital and surplus of not less than
         $100,000,000 named in such notice and direct that there be paid to the
         respective holders of the Class K Shares so to be redeemed amounts
         equal to the redemption price of the Class K Shares so to be redeemed,
         together with such accrued and unpaid dividends thereon, on surrender
         of the share certificate or certificates held by such holders; and upon
         the deposit of such notice in the mail and the making of such deposit
         of money with such bank or trust company, such holders shall cease to
         be shareholders with respect to such shares; and from and after the
         time such notice shall have been so deposited and such deposit of money
         shall have been so made, such holders shall have no rights or claim
         against the Corporation with respect to such shares, except only the
         right to receive such money from such bank or trust company without
         interest or to exercise before the redemption date any unexpired
         privileges of conversion. In the event less than all of the outstanding
         Class K Shares are to be redeemed, the Corporation shall select by lot
         the shares so to be redeemed in such manner as shall be prescribed by
         the Board of Directors.

                      (2) If the holders of Class K Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

                  (c) Any Class K Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series,

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         (3) converted in accordance with the express terms thereof, or (4)
         otherwise acquired by the Corporation shall resume the status of
         authorized but unissued Class K Shares without serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) less than all of the
         Class K Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Class K Shares, unless
         all dividends on all Class K Shares then outstanding for all previous
         and current dividend periods shall have been declared and paid or funds
         therefor set apart and all accrued sinking fund obligations applicable
         thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Class K Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Class K Shares, the amounts fixed with respect to shares
         of such series in accordance with Section 1 of this Item XI, plus an
         amount equal to all dividends accrued and unpaid thereon to the date of
         payment of the amount due pursuant to such liquidation, dissolution or
         winding up of the affairs of the Corporation. In the event the net
         assets of the Corporation legally available therefor are insufficient
         to permit the payment upon all outstanding Cumulative Shares and
         Noncumulative Shares of the full preferential amount to which they are
         respectively entitled, then such net assets shall be distributed
         ratably upon all outstanding Cumulative Shares and Noncumulative Shares
         in proportion to the full preferential amount to which each such share
         is entitled.

                      (2) After payment to the holders of Class K Shares of the
         full preferential amounts as aforesaid, the holders of Class K Shares,
         as such, shall have no right or claim to any of the remaining assets of
         the Corporation.

                      (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

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         Section 5. Voting.

                  (a) The holders of Class K Shares shall have no voting rights,
         except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall be in
         default in the payment of dividends on any series of Class K Shares at
         the time outstanding, whether or not earned or declared, for a number
         of dividend payment periods, whether consecutive or not, which in the
         aggregate contain at least 540 days, all holders of such Class K
         Shares, voting separately as a class, together with all Class A Shares,
         Class B Shares, Class C Shares, Class D Shares, Class E Shares, Class F
         Shares, Class G Shares, Class H Shares, Class I Shares, Class J Shares
         and Noncumulative Shares upon which like voting rights have been
         conferred and are exercisable under the circumstances described in
         Subsection 5(c), shall be entitled to elect, as herein provided, a
         total of two members of the Board of Directors of the Corporation;
         provided, however, that the holders of such Class K Shares shall not
         exercise such special class voting rights except at meetings of such
         shareholders for the election of directors at which the holders of not
         less than 50% of such Class K Shares are present in person or by proxy;
         and provided further that the special class voting rights provided for
         in this paragraph when the same shall have become vested shall remain
         so vested until all accrued and unpaid dividends on such Class K Shares
         then outstanding shall have been paid or declared and a sum sufficient
         for the payment thereof set aside for payment, whereupon the holders of
         such Class K Shares shall be divested of their special class voting
         rights in respect of subsequent elections of directors, subject to the
         revesting of such special class voting rights in the event above
         specified in this paragraph. All dividend payments made on the Class K
         Shares, at any time during which the Corporation is in default in the
         payment of dividends on such Class K Shares for any dividend period,
         shall be deemed to be made in respect of the earliest dividend period
         with respect to which the Corporation is in default.

                      (2) In the event of default entitling holders of Class K
         Shares to elect two directors as specified in paragraph (1) of this
         Subsection, a special meeting of such holders for the purpose of
         electing such directors shall be called by the Secretary of the
         Corporation upon written request of, or may be called by, the holders
         of record of at least 10% of the Class K Shares upon which such default
         in the payment of dividends exists and notice thereof shall be given in
         the same manner as that required for the annual meeting of
         shareholders; provided, however, that the Corporation shall not be
         required to call such special meeting if the annual meeting of
         shareholders shall be called to be held within 90 days after the date
         of receipt of the foregoing written request from the holders of Class K
         Shares. At any meeting at which such holders of Class K Shares shall be
         entitled to elect directors, holders of 50% of such Class K Shares,
         present in person or by proxy, shall be sufficient to constitute a
         quorum, and the vote of the holders of a majority of such shares so
         present at any such meeting at which there shall be such a quorum shall
         be sufficient to elect the members of the Board of Directors which such
         holders of Class K Shares are entitled to elect as herein provided.

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<PAGE>

         Notwithstanding any provision of these Amended and Restated Articles of
         Incorporation, as amended, or the Code of Regulations of the
         Corporation or any action taken by the holders of any class of shares
         fixing the number of directors of the Corporation, the two directors
         who may be elected by such holders of Class K Shares pursuant to this
         Subsection shall serve in addition to any other directors then in
         office or proposed to be elected otherwise than pursuant to this
         Subsection. Nothing in this Subsection shall prevent any change
         otherwise permitted in the total number of or classifications of
         directors of the Corporation or require the resignation of any director
         elected otherwise than pursuant to this Subsection. Notwithstanding any
         classification of the other directors of the Corporation, the two
         directors elected by such holders of Class K Shares shall be elected
         annually for terms expiring at the next succeeding annual meeting of
         shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Class K Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,
         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Class K Shares are
         entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Class A Shares, Class B Shares, Class C
         Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
         Class H Shares, Class I Shares, Class J Shares or Noncumulative Shares
         are entitled to elect directors pursuant hereto by reason of any
         default in the payment of dividends thereon, then the voting rights of
         the Cumulative Shares and the Noncumulative Shares then entitled to
         vote shall be combined (with each class of shares having a number of
         votes proportional to the aggregate liquidation preference of its
         outstanding shares). In such case, the holders of Class K Shares and of
         all such other shares then entitled so to vote, voting as a class,
         shall elect such directors. If the holders of any such other shares
         have elected such directors prior to the happening of the default or
         event permitting the holders of Class K Shares to elect directors, or
         prior to a written request for the holding of a special meeting being
         received by the Secretary of the Corporation as required above, then a
         new election shall be held with all such other shares and the Class K
         Shares voting together as a single class for such directors, resulting
         in the termination of the term of such previously elected directors
         upon the election of such new directors.

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Class K Shares at the time outstanding, voting separately as a
         class, given in person or by proxy either in writing or at a meeting
         called for the purpose, shall be necessary to effect either of the
         following:

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                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or other rights of the holders of
         Class K Shares which are set forth in these Amended and Restated
         Articles of Incorporation, as amended; provided, however, neither the
         amendment of these Amended and Restated Articles of Incorporation, as
         amended, so as to authorize, create or change the authorized or
         outstanding number of Class K Shares or of any shares ranking on a
         parity with or junior to the Class K Shares nor the amendment of the
         provisions of the Code of Regulations so as to change the number or
         classification of directors of the Corporation shall be deemed to
         affect adversely and materially preferences or voting or other rights
         of the holders of Class K Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such series of Class K Shares.

                  (e) In the event, and only to the extent, that (1) Class K
         Shares are issued in more than one series and (2) Ohio law permits the
         holders of a series of a class of capital stock to vote separately as a
         class, the affirmative vote of the holders of at least two-thirds of
         each series of Class K Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose of voting on such matters, shall be
         required for any amendment, alteration or repeal, whether by merger,
         consolidation or otherwise, of any of the provisions of these Amended
         and Restated Articles of Incorporation, as amended, or of the Code of
         Regulations of the Corporation which affects adversely and materially
         the preferences or voting or other rights of the holders of such series
         which are set forth in these Amended and Restated Articles of
         Incorporation, as amended; provided, however, neither the amendment of
         these Amended and Restated Articles of Incorporation, as amended, so as
         to authorize, create or change the authorized or outstanding number of
         Class K Shares or of any shares ranking on a parity with or junior to
         the Class K Shares nor the Amendment of the provisions of the Code of
         Regulations so as to change the number or classification of directors
         of the Corporation shall be deemed to affect adversely and materially
         the preferences or voting or other rights of the holders of such
         series.

         Section 6. 8 7/8% Class K Cumulative Redeemable Preferred Shares. Of
    the 750,000 authorized Class K Shares, 350,000 shares are designated as a
    series entitled "8 7/8% Class K Cumulative Redeemable Preferred Shares"
    (hereinafter called "8 7/8% Class K Preferred Shares"). The 8 7/8% Class K
    Preferred Shares shall have the express terms set forth in this Division as
    being applicable to all Class K Preferred Shares as a class and, in
    addition, the following express terms applicable to all 8 7/8% Class K
    Preferred Shares as a series of Class K Shares:

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                  (a) The annual dividend rate of the 8 7/8% Class K Preferred
         Shares shall be 8 7/8% of the liquidation preference of $250.00 per
         share.

                  (b) Dividends on the 8 7/8% Class K Preferred Shares shall be
         payable, if declared, quarterly on or about the fifteenth day of
         January, April, July and October. The dividends payable for each full
         quarterly dividend period on each 8 7/8% Class K Preferred Share shall
         be $5.546875. Dividends for any period shorter or longer than a full
         dividend period on the 8 7/8% Class K Preferred Shares, shall be
         computed on the basis of a 360-day year consisting of twelve 30-day
         months. The aggregate dividend payable quarterly to each holder of
         8 7/8% Class K Preferred Shares shall be rounded to the nearest
         one-hundredth of one cent with $.00005 being rounded upward. Each
         dividend shall be payable to the holders of record on such record date,
         no less than 10 nor more than 30 days preceding the payment date
         thereof, as shall be fixed from time to time by the Corporation's Board
         of Directors.

                  (c) Dividends on 8 7/8% Class K Preferred Shares shall be
         cumulative as follows:

                      (1) With respect to shares included in the initial issue
         of 8 7/8% Class K Preferred Shares and shares issued any time
         thereafter up to and including the record date for the payment of the
         first dividend on the initial issue of 8 7/8% Class K Preferred Shares,
         dividends shall be cumulative from the date of the initial issue of
         8 7/8% Class K Preferred Shares; and

                      (2) With respect to shares issued any time after the
         aforesaid record date, dividends shall be cumulative from the dividend
         payment date next preceding the date of issue of such shares, except
         that if such shares are issued during the period commencing the day
         after the record date for the payment of a dividend on 8 7/8% Class K
         Preferred Shares and ending on the payment date of that dividend,
         dividends with respect to such shares shall be cumulative from that
         dividend payment date.

                  (d) The Corporation may, at any time or from time to time on,
         at its option upon not less than thirty (30) nor more than sixty (60)
         days' written notice, redeem all or any part of the 8 7/8% Class K
         Preferred Shares at a redemption price of $250.00 per share plus, in
         each case, an amount equal to all dividends accrued and unpaid thereon
         to the redemption date, without interest. The redemption price (other
         than the portion thereof consisting of accrued and unpaid dividends) is
         payable solely out of the sale proceeds of other capital shares of the
         Corporation, which may include any equity securities (including common
         shares and preferred shares), shares, interests, participation or other
         ownership interests (however designated) and any rights (other than
         debt securities convertible into or exchangeable for equity
         securities), or options to purchase any of the foregoing.

                  (e) The amount payable per 8 7/8% Class K Preferred Share in
         the event of any voluntary or involuntary liquidation, dissolution or
         winding up of the affairs

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         of the Corporation shall be $250.00, plus an amount equal to all
         dividends accrued and unpaid thereon to the date of payment.

                  (f) The affirmative vote of the holders of at least two-thirds
         of the Class K Preferred Shares at the time outstanding, voting
         separately as a class, given in person or by proxy either in writing or
         at a meeting called for the purpose, shall be necessary to effect the
         authorization, creation, increase in the authorized number of or
         issuance of any shares, or any security convertible into or
         exchangeable for shares, in any such case ranking prior to such series
         of Class K Preferred Shares in dividends, distributions or rights upon
         liquidation, dissolution or winding up.

    XII. The Noncumulative Preferred Shares. The Noncumulative Preferred
         Shares shall have the following express terms:

         Section 1. Series. The Noncumulative Shares may be issued from time to
    time in one or more series. All Noncumulative Shares shall be of equal rank
    and shall be identical, except in respect of the matters that may be fixed
    by the Board of Directors as hereinafter provided, and each share of a
    series shall be identical with all other shares of such series, except as to
    the dates on which and the periods for which dividends may be payable. All
    Noncumulative Shares shall rank on a parity with the Cumulative Shares, and
    shall be identical to all Cumulative Shares, except (1) in respect of the
    matters that may be fixed by the Board of Directors as provided in clauses
    (a) through (i), inclusive, of this Section 1 and (2) only dividends on the
    Noncumulative Shares are noncumulative as set forth herein. Subject to the
    provisions of Sections 2 through 5, inclusive, and Item XIII of this
    Division, which provisions shall apply to all Noncumulative Shares, the
    Board of Directors hereby is authorized to cause such shares to be issued in
    one or more series, and with respect to each such series, to determine and
    fix prior to the issuance thereof (and thereafter, to the extent provided in
    clause (b) of this Section) the following:

                  (a) The designation of the series, which may be by
         distinguishing number, letter or title;

                  (b) The authorized number of shares of the series, which
         number the Board of Directors may (except where otherwise provided in
         the creation of the series) increase or decrease from time to time
         before or after the issuance thereof (but not below the number of
         shares thereof then outstanding);

                  (c) The dividend rate or rates of the series, including the
         means by which such rates may be established;

                  (d) The dates on which and the period or periods for which
         dividends, if declared, shall be payable, including the means by which
         such dates and periods may be established;

                  (e) The redemption rights and price or prices, if any, for
         shares of the series;

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                  (f) The terms and amount of the sinking fund, if any, for the
         purchase or redemption of shares of the series;

                  (g) The amounts payable on shares of the series in the event
         of any voluntary or involuntary liquidation, dissolution or winding up
         of the affairs of the Corporation;

                  (h) Whether the shares of the series shall be convertible into
         Common Shares or shares of any other class and, if so, the conversion
         rate or rates or price or prices, any adjustments thereof and all other
         terms and conditions upon which such conversion may be made; and

                  (i) Restrictions (in addition to those set forth in Subsection
         5(d) or 5(e) of this Item XII) on the issuance of shares of the same
         series or of any other class or series.

         The Board of Directors is authorized to adopt from time to time
amendments to the Amended and Restated Articles of Incorporation, as amended,
fixing, with respect to each such series, the matters described in clauses (a)
through (i), both inclusive, of this Section and is authorized to take such
actions with respect thereto as may be required by law in order to effect such
amendments.

         Section 2. Dividends.

                  (a) The holders of Noncumulative Shares of each series, in
         preference to the holders of Common Shares and of any other class of
         shares ranking junior to the Noncumulative Shares, shall be entitled to
         receive out of any funds legally available therefor, if, when and as
         declared by the Board of Directors, dividends in cash at the rate or
         rates for such series fixed in accordance with the provisions of
         Section 1 above and no more, payable on the dates fixed for such
         series. Such dividends shall accrue, in the case of shares of each
         particular series, from and after the date or dates fixed with respect
         to such series; provided, however, that if the Board of Directors fails
         to declare a dividend payable on a dividend payment date on any
         Noncumulative Shares, the holders of the Noncumulative Shares shall
         have no right to receive a dividend in respect of the dividend period
         ending on such dividend payment date, and the Corporation shall have no
         obligation to pay the dividend accrued for such period, whether or not
         dividends on such Noncumulative Shares are declared payable on any
         future dividend payment date. No dividends shall be paid upon or
         declared or set apart for any series of the Noncumulative Shares for
         any dividend period unless at the same time (i) a like proportionate
         dividend for the then current dividend period, ratably in proportion to
         the respective annual dividend rates fixed therefor, shall have been
         paid upon or declared or set apart for all Noncumulative Shares of all
         series then issued and outstanding and entitled to receive such
         dividend and (ii) the dividends payable for the dividend periods
         terminating on the same or any earlier date, ratably in proportion to
         the respective dividend rates fixed therefor, shall have been paid upon
         or declared or set apart for all Class A Shares, Class B Shares, Class
         C

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         Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
         Class H Shares, Class I Shares, Class J Shares and Class K Shares then
         issued and outstanding and entitled to receive such dividends.

                  (b) So long as any Noncumulative Shares shall be outstanding
         no dividend, except a dividend payable in Common Shares or other shares
         ranking junior to the Noncumulative Shares, shall be paid or declared
         or any distribution be made, except as aforesaid, in respect of the
         Common Shares or any other shares ranking junior to the Noncumulative
         Shares, nor shall any Common Shares or any other shares ranking junior
         to the Noncumulative Shares be purchased, retired or otherwise acquired
         by the Corporation, except out of the proceeds of the sale of Common
         Shares or other shares of the Corporation ranking junior to the
         Noncumulative Shares received by the Corporation subsequent to the date
         of first issuance of Noncumulative Shares of any series, unless:

                      (1) All accrued and unpaid dividends on Cumulative Shares,
         including the full dividends for all current dividend periods, shall
         have been declared and paid or a sum sufficient for payment thereof set
         apart;

                      (2) All unpaid dividends on Noncumulative Shares for the
         then current dividend period shall have been declared and paid or a sum
         sufficient for payment therefor set apart; and

                      (3) There shall be no arrearages with respect to the
         redemption of Cumulative Shares or Noncumulative Shares of any series
         from any sinking fund provided for shares of such series in accordance
         with the provisions of Section 1 of this Item XII.

                  (c) The foregoing restrictions on the payment of dividends or
         other distributions on, or on the purchase, redemption retirement or
         other acquisition of, Common Shares or any other shares ranking on a
         parity with or junior to the Noncumulative Shares shall be inapplicable
         to (i) any payments in lieu of issuance of fractional shares thereof,
         whether upon any merger, conversion, stock dividend or otherwise, (ii)
         the conversion of Cumulative Shares or Noncumulative Shares into Common
         Shares or (iii) the exercise by the Corporation of its rights pursuant
         to Item XIV(d) of this Division A, Section 4(d) of Division B or any
         similar Section hereafter contained in these Amended and Restated
         Articles of Incorporation with respect to any other class or series of
         capital stock hereafter created or authorized.

                  (d) If, for any taxable year, the Corporation elects to
         designate as "capital gain dividends" (as defined in Section 857 of the
         Code) any portion (the "Capital Gains Amount") of the dividends paid or
         made available for the year to holders of all classes of stock (the
         "Total Dividends"), then, to the extent permissible under the Code and
         to the extent it does not cause any dividends to fail to qualify for
         the dividends paid deduction under Section 561 of the Code, the portion
         of the Capital Gains Amount that shall be allocable to holders of the
         Noncumulative

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         Shares shall be the amount that the total dividends paid or made
         available to the holders of the Noncumulative Shares for the year bears
         to the Total Dividends.

         Section 3. Redemption.

                  (a) Subject to the express terms of each series, the
         Corporation:

                      (1) May, from time to time at the option of the Board of
         Directors, redeem all or any part of any redeemable series of
         Noncumulative Shares at the time outstanding at the applicable
         redemption price for such series fixed in accordance with the
         provisions of Section 1 of this Item XII; and

                      (2) Shall, from time to time, make such redemptions of
         each series of Noncumulative Shares as may be required to fulfill the
         requirements of any sinking fund provided for shares of such series at
         the applicable sinking fund redemption price fixed in accordance with
         the provisions of Section 1 of this Item XII; and shall, in each case,
         pay all unpaid dividends for the then current dividend period to the
         redemption date.

                      (b) (1) Notice of every such redemption shall be mailed,
         postage prepaid, to the holders of record of the Noncumulative Shares
         to be redeemed at their respective addresses then appearing on the
         books of the Corporation, not less than 30 days nor more than 60 days
         prior to the date fixed for such redemption, or such other time prior
         thereto as the Board of Directors shall fix for any series pursuant to
         Section 1 of this Item XII prior to the issuance thereof. At any time
         after notice as provided above has been deposited in the mail, the
         Corporation may deposit the aggregate redemption price of Noncumulative
         Shares to be redeemed, together with accrued and unpaid dividends
         thereon for the then current dividend period to the redemption date,
         with any bank or trust company in Cleveland, Ohio, or New York, New
         York, having capital and surplus of not less than $100,000,000 named in
         such notice and direct that there be paid to the respective holders of
         the Noncumulative Shares so to be redeemed amounts equal to the
         redemption price of the Noncumulative Shares so to be redeemed together
         with such accrued and unpaid dividends thereon for the then current
         dividend period, on surrender of the share certificate or certificates
         held by such holders; and upon the deposit of such notice in the mail
         and the making of such deposit of money with such bank or trust
         company, such holders shall cease to be shareholders with respect to
         such shares; and from and after the time such notice shall have been so
         deposited and such deposit of money shall have been so made, such
         holders shall have no rights or claim against the Corporation with
         respect to such shares, except only the right to receive such money
         from such bank or trust company without interest or to exercise before
         the redemption date any unexpired privileges of conversion. In the
         event less than all of the outstanding Noncumulative Shares are to be
         redeemed, the Corporation shall select by lot the shares so to be
         redeemed in such manner as shall be prescribed by the Board of
         Directors.

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<PAGE>

                      (2) If the holders of Noncumulative Shares which have been
         called for redemption shall not within six years after such deposit
         claim the amount deposited for the redemption thereof, any such bank or
         trust company shall, upon demand, pay over to the Corporation such
         unclaimed amounts and thereupon such bank or trust company and the
         Corporation shall be relieved of all responsibility in respect thereof
         and to such holders.

                  (c) Any Noncumulative Shares which are (1) redeemed by the
         Corporation pursuant to the provisions of this Section, (2) purchased
         and delivered in satisfaction of any sinking fund requirements provided
         for shares of such series, (3) converted in accordance with the express
         terms thereof, or (4) otherwise acquired by the Corporation shall
         resume the status of authorized but unissued Noncumulative Shares
         without serial designation.

                  (d) Except in connection with the exercise of the
         Corporation's rights pursuant to Section (d) of Item XIV of this
         Division A, Section 4(d) of Division B or any similar Section hereafter
         contained in these Amended and Restated Articles of Incorporation, as
         amended, with respect to any other class or series of capital stock
         hereafter created or authorized, the Corporation may not purchase or
         redeem (for sinking fund purposes or otherwise) of less than all of the
         Noncumulative Shares then outstanding except in accordance with a stock
         purchase offer made to all holders of record of Noncumulative Shares,
         unless all dividends on all Noncumulative Shares then outstanding for
         the then current dividend period shall have been declared and paid or
         funds therefor set apart and all accrued sinking fund obligations
         applicable thereto shall have been complied with.

         Section 4. Liquidation.

                  (a) (1) In the event of any voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation, the holders of Noncumulative Shares of any series shall be
         entitled to receive in full out of the assets of the Corporation,
         including its capital, before any amount shall be paid or distributed
         among the holders of the Common Shares or any other shares ranking
         junior to the Noncumulative Shares, the amounts fixed with respect to
         shares of such series in accordance with Section 1 of this Item XII,
         plus an amount equal to all dividends accrued and unpaid thereon for
         the then current dividend period to the date of payment of the amount
         due pursuant to such liquidation, dissolution or winding up of the
         affairs of the Corporation. In the event the net assets of the
         Corporation legally available therefor are insufficient to permit the
         payment upon all outstanding Cumulative Shares and Noncumulative Shares
         of the full preferential amount to which they are respectively
         entitled, then such net assets shall be distributed ratably upon all
         outstanding Noncumulative Shares in proportion to the full preferential
         amount to which each such share is entitled.

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                      (2) After payment to the holders of Noncumulative Shares
         of the full preferential amounts as aforesaid, the holders of
         Noncumulative Shares, as such, shall have no right or claim to any of
         the remaining assets of the Corporation.

                  (b) The merger or consolidation of the Corporation into or
         with any other Corporation, the merger of any other Corporation into
         it, or the sale, lease or conveyance of all or substantially all the
         assets of the Corporation shall not be deemed to be a dissolution,
         liquidation or winding up for the purposes of this Section.

         Section 5. Voting.

                  (a) The holders of Noncumulative Shares shall have no voting
         rights, except as provided in this Section or required by law.

                  (b) (1) If, and so often as, the Corporation shall not have
         fully paid, or shall not have declared and set aside a sum sufficient
         for the payment of, dividends on any series of Noncumulative Shares at
         the time outstanding, for a number of dividend payment periods, whether
         consecutive or not, which in the aggregate contain at least 540 days,
         the holders of such Noncumulative Shares, voting separately as a class,
         together with all Cumulative Shares upon which like voting rights have
         been conferred and are exercisable, shall be entitled to elect, as
         herein provided, two members of the Board of Directors of the
         Corporation; provided, however, that the holders of such Noncumulative
         Shares shall not exercise such special class voting rights except at
         meetings of such shareholders for the election of directors at which
         the holders of not less than 50% of such Noncumulative Shares are
         present in person or by proxy; and provided further, that the special
         class voting rights provided for in this paragraph when the same shall
         have become vested shall remain so vested until the Corporation shall
         have fully paid, or shall have set aside a sum sufficient for the
         payment of, dividends on such Noncumulative Shares then outstanding for
         a number of consecutive dividend payment periods which in the aggregate
         contain at least 360 days, whereupon the holders of such Noncumulative
         Shares shall be divested of their special class voting rights in
         respect of subsequent elections of directors, subject to the revesting
         of such special class voting rights in the event above specified in
         this paragraph.

                      (2) In the event of default entitling holders of
         Noncumulative Shares to elect two directors as specified in paragraph
         (1) of this Subsection, a special meeting of such holders for the
         purpose of electing such directors shall be called by the Secretary of
         the Corporation upon written request of, or may be called by, the
         holders of record of at least 10% of the Noncumulative Shares upon
         which such default in the payment of dividends exists and notice
         thereof shall be given in the same manner as that required for the
         annual meeting of shareholders; provided, however, that the Corporation
         shall not be required to call such special meeting if the annual
         meeting of shareholders shall be called to be held within 90 days after
         the date of receipt of the foregoing written request from the holders
         of

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         Noncumulative Shares. At any meeting at which such holders of
         Noncumulative Shares shall be entitled to elect directors, holders of
         50% of such Noncumulative Shares, present in person or by proxy, shall
         be sufficient to constitute a quorum, and the vote of the holders of a
         majority of such shares so present at any such meeting at which there
         shall be such a quorum shall be sufficient to elect the members of the
         Board of Directors which such holders of Noncumulative Shares are
         entitled to elect as herein provided. Notwithstanding any provision of
         these Amended and Restated Articles of Incorporation, as amended, or
         the Code of Regulations of the Corporation or any action taken by the
         holders of any class of shares fixing the number of directors of the
         Corporation, the two directors who may be elected by such holders of
         Noncumulative Shares pursuant to this Subsection shall serve in
         addition to any other directors then in office or proposed to be
         elected otherwise than pursuant to this Subsection. Nothing in this
         Subsection shall prevent any change otherwise permitted in the total
         number of or classifications of directors of the Corporation nor
         require the resignation of any director elected otherwise than pursuant
         to this Subsection. Notwithstanding any classification of the other
         directors of the Corporation, the two directors elected by such holders
         of Noncumulative Shares shall be elected annually for terms expiring at
         the next succeeding annual meeting of shareholders.

                      (3) Upon any divesting of the special class voting rights
         of the holders of the Noncumulative Shares in respect of elections of
         directors as provided in this Subsection, the terms of office of all
         directors then in office elected by such holders shall terminate
         immediately thereupon. If the office of any director elected by such
         holders voting as a class becomes vacant by reason of death,
         resignation, removal from office or otherwise, the remaining director
         elected by such holders voting as a class may elect a successor who
         shall hold office for the unexpired term in respect of which such
         vacancy occurred.

                  (c) If at any time when the holders of Noncumulative Shares
         are entitled to elect directors pursuant to the foregoing provisions of
         this Section the holders of any Cumulative Shares are entitled to elect
         directors pursuant hereto by reason of any default in the payment of
         dividends thereon, then the voting rights of the Cumulative Shares and
         Noncumulative Shares then entitled to vote shall be combined (with
         class of shares having a number of votes proportional to the aggregate
         liquidation preference of its outstanding shares). In such case, the
         holders of Noncumulative Shares and of all such other shares then
         entitled so to vote, voting as a class, shall elect such directors. If
         the holders of any such other shares have elected such directors prior
         to the happening of the default or event permitting the holders of
         Noncumulative Shares to elect directors, or prior to a written request
         for the holding of a special meeting being received by the Secretary of
         the Corporation as required above, then a new election shall be held
         with all such other shares and the Noncumulative Shares voting together
         as a single class for such directors, resulting in the termination of
         the term of such previously elected directors upon the election of such
         new directors.

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<PAGE>

                  (d) The affirmative vote of the holders of at least two-thirds
         of the Noncumulative Shares at the time outstanding, voting separately
         as a class, given in person or by proxy either in writing or at a
         meeting called for the purpose, shall be necessary to effect either of
         the following:

                      (1) Any amendment, alteration or repeal, whether by
         merger, consolidation or otherwise, of any of the provisions of the
         Amended and Restated Articles of Incorporation, as amended, or of the
         Code of Regulations of the Corporation which affects adversely and
         materially the preferences or voting or other rights of the holders of
         Noncumulative Shares which are set forth in these Amended and Restated
         Articles of Incorporation, as amended; provided, however, neither the
         amendment of these Amended and Restated Articles of Incorporation, as
         amended, so as to authorize, create or change the authorized or
         outstanding number of Noncumulative Shares or of any shares ranking on
         a parity with or junior to the Noncumulative Shares nor the amendment
         of the provisions of the Code of Regulations so as to change the number
         or classification of directors of the Corporation shall be deemed to
         affect adversely and materially preferences or voting or other rights
         of the holders of Noncumulative Shares; or

                      (2) The authorization, creation or increase in the
         authorized number of any shares, or any security convertible into
         shares, in either case ranking prior to such Noncumulative Shares.

                  (e) In the event, and only to the extent, that (1)
         Noncumulative Shares are issued in more than one series and (2) Ohio
         law permits the holders of a series of a class of capital stock to vote
         separately as a class, the affirmative vote of the holders of at least
         two-thirds of each series of the Noncumulative Shares at the time
         outstanding, voting separately as a class, given in person or by proxy
         either in writing or at a meeting called for the purpose of voting on
         such matters, shall be required for any amendment, alteration or
         repeal, whether by merger, consolidation or otherwise, of any of the
         provisions of these Amended and Restated Articles of Incorporation, as
         amended, or of the Code of Regulations of the Corporation which affects
         adversely and materially the preferences or voting or other rights of
         the holders of such series which are set forth in these Amended and
         Restated Articles of Incorporation, as amended; provided, however,
         neither the amendment of these Amended and Restated Articles of
         Incorporation, as amended, so as to authorize, create or change the
         authorized or outstanding number of Noncumulative Shares or of any
         shares remaining on a parity with or junior to the Noncumulative Shares
         nor the amendment of the provisions of the Code of Regulations so as to
         change the number or classification of directors of the Corporation
         shall be deemed to affect adversely and materially preferences or
         voting or other rights of the holder of such series.

   XIII. Definitions. For the purposes of this Division:

                  (a) Whenever reference is made to shares "ranking prior to"
         Class A Shares, Class B Shares, Class C Shares, Class D Shares, Class E
         Shares, Class F

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<PAGE>

         Shares, Class G Shares, Class H Shares, Class I Shares, Class J Shares,
         Class K Shares or Noncumulative Shares, such reference shall mean and
         include all shares of the Corporation in respect of which the rights of
         the holders thereof as to the payment of dividends or as to
         distributions in the event of a voluntary or involuntary liquidation,
         dissolution or winding up of the affairs of the Corporation are given
         preference over the rights of the holders of Class A Shares, Class B
         Shares, Class C Shares, Class D Shares, Class E Shares, Class F Shares,
         Class G Shares, Class H Shares, Class I Shares, Class J Shares, Class K
         Shares or Noncumulative Shares, as the case may be;

                  (b) Whenever reference is made to shares "on a parity with"
         Class A Shares, Class B Shares, Class C Shares, Class D Shares, Class E
         Shares, Class F Shares, Class G Shares, Class H Shares, Class I Shares,
         Class J Shares, Class K Shares or Noncumulative Shares, such reference
         shall mean and include all shares of the Corporation in respect of
         which the rights of the holders thereof as to the payment of dividends
         or as to distributions in the event of a voluntary or involuntary
         liquidation, dissolution or winding up of the affairs of the
         Corporation rank equally (except as to the amounts fixed therefor) with
         the rights of the holders of Class A Shares, Class B Shares, Class C
         Shares, Class D Shares, Class E Shares, Class F Shares, Class G Shares,
         Class H Shares, Class I Shares, Class J Shares, Class K Shares or
         Noncumulative Shares, as the case may be; and

                  (c) Whenever reference is made to shares "ranking junior to"
         Class A Shares, Class B Shares, Class C Shares, Class D Shares, Class E
         Shares, Class F Shares, Class G Shares, Class H Shares, Class I Shares,
         Class J Shares, Class K Shares or Noncumulative Shares, such reference
         shall mean and include all shares of the Corporation other than those
         defined under Subsections (a) and (b) of this Section as shares
         "ranking prior to" or "on a parity with" Class A Shares, Class B
         Shares, Class C Shares, Class D Shares, Class E Shares, Class F Shares,
         Class G Shares, Class H Shares, Class I Shares, Class J Shares, Class K
         Shares or Noncumulative Shares, as the case may be.

   XIV.  Restrictions on Transfer to Preserve Tax Benefit; Shares Subject
         to Redemption.

                  (a) Definitions. For the purposes of this Item XIV of this
         Division A of this Article FOURTH, the following terms shall have the
         following meanings:

                  "Beneficial Ownership" shall mean ownership of Preferred
         Shares by a Person who would be treated as an owner of such Preferred
         Shares either directly or constructively through the application of
         Section 544 of the Code, as modified by Section 856(h) of the Code. The
         terms "Beneficial Owner," "Beneficially Owns" and "Beneficially Owned"
         shall have the correlative meanings.

                  "Code" shall mean the Internal Revenue Code of 1986, as
         amended from time to time.

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<PAGE>

                  "Constructive Ownership" shall mean ownership of Preferred
         Shares by a Person who would be treated as an owner of such Preferred
         Shares either directly or constructively through the application of
         Section 318 of the Code, as modified by Section 856(d)(5) of the Code.
         The terms "Constructive Owner," "Constructively Owns" and
         "Constructively Owned" shall have the correlative meanings.

                  "Excess Preferred Shares" shall mean any Preferred Shares (i)
         acquired or proposed to be acquired by any Person pursuant to a
         Transfer to the extent that, if effective, such Transfer would result
         in the transferee either Beneficially Owning Preferred Shares or
         Constructively Owning Preferred Shares in excess of the Ownership
         Limit, or (ii) which are the subject of a Transfer that, if effective,
         which would result in the Corporation being "closely held" within the
         meaning of Section 856(h) of the Code.

                  "Market Price" shall mean, with respect to any series of any
         class of Preferred Shares, the last reported sales price of such series
         reported on the New York Stock Exchange on the trading day immediately
         preceding the relevant date or, if shares of such series are not then
         traded on the New York Stock Exchange, the last reported sales price of
         shares of such series on the trading day immediately preceding the
         relevant date as reported on any exchange or quotation system over
         which the shares of such series may be traded, or if shares of such
         series are not then traded over any exchange or quotation system, then
         the market price of shares of such series on the relevant date as
         determined in good faith by the Board of Directors of the Corporation.

                  "Ownership Limit" shall mean, with respect to each series of
         each class of Preferred Shares, 9.8% of the outstanding shares of such
         series.

                  "Person" shall mean an individual, corporation, partnership,
         estate, trust (including a trust qualified under Section 401(a) or
         501(c)(17) of the Code), a portion of a trust permanently set aside for
         or to be used exclusively for the purposes described in Section 642(c)
         of the Code, an association, a private foundation within the meaning of
         Section 509(a) of the Code, a joint stock company, other entity or a
         group as that term is used for purposes of Section 13(d)(3) of the
         Securities Exchange Act of 1934, as amended; provided, however, that a
         "person" does not mean an underwriter which participates in a public
         offering of Preferred Shares, for a period of 35 days following the
         purchase by such underwriter of such Preferred Shares.

                  "Preferred Shares" shall mean, collectively, Class A Shares,
         Class B Shares, Class C Shares, Class D Shares, Class E Shares, Class F
         Shares, Class G Shares, Class H Shares, Class I Shares, Class J Shares,
         Class K Shares and Noncumulative Shares.

                  "REIT" shall mean a Real Estate Investment Trust under Section
         856 of the Code.

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<PAGE>

                  "Transfer" shall mean any sale, transfer, gift, assignment,
         devise or other disposition of Preferred Shares (including, without
         limitation, (i) the granting of any option or entering into any
         agreement for the sale, transfer or other disposition of Preferred
         Shares or (ii) the sale, transfer, assignment or other disposition of
         any securities or rights convertible into or exchangeable for Preferred
         Shares), whether voluntary or involuntary, whether of record or
         beneficially and whether by operation of law or otherwise.

                  (b) Restrictions on Transfers.

                                    (i) Except as provided in Section (i) of
                           this Item XIV of this Division A of this Article
                           FOURTH, no Person shall Beneficially Own or
                           Constructively Own shares of any series of any class
                           of Preferred Shares in excess of the Ownership Limit
                           applicable to such series.

                                    (ii) Except as provided in Section (i) of
                           this Item XIV of this Division A of this Article
                           FOURTH, any Transfer that, if effective, would result
                           in any Person Beneficially Owning shares of any
                           series of any class of Preferred Shares in excess of
                           the Ownership Limit applicable to such series shall
                           be void ab initio as to the Transfer of such
                           Preferred Shares which would be otherwise
                           Beneficially Owned by such Person in excess of such
                           Ownership Limit, and the intended transferee shall
                           acquire no rights in such Preferred Shares.

                                    (iii) Except as provided in Section (i) of
                           this Item XIV of this Division A of this Article
                           FOURTH, any Transfer that, if effective, would result
                           in any Person Constructively Owning shares of any
                           series of any class of Preferred Shares in excess of
                           the Ownership Limit applicable to such series shall
                           be void ab initio as to the Transfer of such
                           Preferred Shares which would be otherwise
                           Constructively Owned by such Person in excess of such
                           amount, and the intended transferee shall acquire no
                           rights in such Preferred Shares.

                                    (iv) Notwithstanding any other provisions
                           contained in this Item XIV, any Transfer (whether or
                           not such Transfer is the result of a transaction
                           entered into through the facilities of the New York
                           Stock Exchange) or other event that, if effective,
                           would result in the Corporation being "closely held"
                           within the meaning of Section 856(h) of the Code, or
                           would otherwise result in the Corporation failing to
                           qualify as a REIT (including, but not limited to, a
                           Transfer or other event that would result in the
                           Corporation owning (directly or Constructively) an
                           interest in a tenant that is described in Section
                           856(d)(2)(B) of the Code if the income derived by the
                           Corporation from such tenant would cause the

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<PAGE>

                           Corporation to fail to satisfy any of the gross
                           income requirement of Section 856(c) of the Code)
                           shall be void ab initio as to the Transfer of the
                           Preferred Shares or other event which would cause the
                           Corporation to be "closely held" within the meaning
                           of Section 856(h) of the Code or would otherwise
                           result in the Corporation failing to qualify as a
                           REIT; and the intended transferee or owner or
                           Constructive or Beneficial Owner shall acquire or
                           retain no rights in such Preferred Shares.

                                    (v) For purposes of construing the foregoing
                           provisions, any attempt to transfer Preferred Shares
                           in violation of the Ownership Limit applicable to the
                           series of the class of such Preferred Shares (as such
                           Ownership Limit may be modified by the Board of
                           Directors pursuant to Section (h) of Item XIV) shall
                           be construed as causing such Preferred Shares to be
                           transferred by operation of law to the Corporation as
                           trustee of a trust for the exclusive benefit of the
                           person or persons to whom such Preferred Shares can
                           ultimately be transferred without violating the
                           Ownership Limit and any Excess Preferred Shares while
                           held in such trust shall not have any voting rights,
                           shall not be considered for purposes of any
                           shareholder vote or for determining a quorum for such
                           a vote, and shall not be entitled to any dividends or
                           other distributions.

                  (c) Remedies for Breach. If the Board of Directors or its
         designees shall at any time determine in good faith that a Transfer has
         taken place in violation of Section (b) of this Item XIV of this
         Division A of this Article FOURTH or that a Person intends to acquire
         or has attempted to acquire beneficial ownership (determined without
         reference to any rules of attribution), Beneficial Ownership or
         Constructive Ownership of any Preferred Shares of the Corporation in
         violation of Section (b) of this Item XIV of this Division A of this
         Article FOURTH, or that any such Transfer, intended or attempted
         acquisition or acquisition would jeopardize the status of the
         Corporation as a REIT under the Code, the Board of Directors or its
         designees shall take such actions as it deems advisable to refuse to
         give effect or to prevent such Transfer, including, but not limited to,
         refusing to give effect to such Transfer on the books of the
         Corporation or instituting proceedings to enjoin such Transfer and, in
         addition, exercising its rights under Section (d) of this Item XIV of
         this Division A of this Article FOURTH.

                  (d) Purchase Right in Excess Preferred Shares. Beginning on
         the date of the occurrence of a Transfer which, if consummated, in the
         good faith judgment of the Board of Directors of the Corporation, could
         result in Excess Preferred Shares, the Excess Preferred Shares, subject
         to such transfer shall be deemed to have been offered for sale to the
         Corporation, or its designee, at a price per share equal to the lesser
         of (i) the price per share in the transaction that created such Excess
         Preferred Shares (or, in the case of a devise or gift, the Market Price
         at the time of such devise or gift) and (ii) the Market Price on the
         date the Corporation,

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<PAGE>

         or its designee, accepts such offer. The Corporation shall have the
         right to accept such offer for a period of 90 days after the later of
         (i) the date of such Transfer and (ii) if the Corporation does not
         receive a notice of such Transfer pursuant to Section (e) of this Item
         XIV of this Division A of this Article FOURTH, the date the Board of
         Directors determines in good faith that such Transfer has occurred.
         Prompt payment of the purchase price shall be made in such reasonable
         manner as may be determined by the Corporation. From and after the date
         fixed for purchase by the Corporation, and so long as payment of the
         purchase price for the Excess Preferred Shares to be so purchased shall
         have been made or duly provided for, the holder of any Excess Preferred
         Shares so called for purchase shall cease to be entitled to dividends,
         distributions, voting rights and other benefits with respect to such
         Excess Preferred Shares, excepting only the right to payment of the
         purchase price fixed as aforesaid. Any dividend or distribution paid to
         a proposed transferee of Excess Preferred Shares prior to the discovery
         by the Corporation that the Excess Preferred Shares have been
         transferred in violation of Section (b) of this Item XIV of this
         Division A of this Article FOURTH shall be repaid to the Corporation
         upon demand. If the foregoing provisions are determined to be void or
         invalid by virtue of any legal decision, statute, rule or regulation,
         then the intended transferee of such Excess Preferred Shares shall be
         deemed, at the option of the Corporation, to have acted as agent on
         behalf of the Corporation in acquiring such Excess Preferred Shares and
         to hold such Excess Preferred Shares on behalf of the Corporation.

                  (e) Notice of Restricted Transfer. Any Person who acquires or
         attempts to acquire Preferred Shares or other securities in violation
         of subparagraph (b) of this Item XIV, or any Person who owns or will
         own Excess Preferred Shares as a result of an event under subparagraph
         (b) of this Item XIV, shall immediately give written notice to the
         Corporation of such event and shall provide to the Corporation such
         other information as the Corporation may request in order to determine
         the effect, if any, of such Transfer or attempted Transfer or other
         event on the Corporation's status as a REIT.

                  (f) Owners Required to Provide Information. From and after the
         date of the Initial Public Offering:

                                    (i) every Beneficial Owner of more than 5.0%
                           (or such other percentage, between 0.5% and 5.0%, as
                           provided in the regulations promulgated pursuant to
                           the Code) of the outstanding Preferred Shares of the
                           Corporation shall, within 30 days after January 1 of
                           each year, give written notice to the Corporation
                           stating the name and address of such Beneficial
                           Owner, the number of shares Beneficially Owned, and
                           description of how such shares are held. Each such
                           Beneficial Owner shall provide to the Corporation
                           such additional information as the Corporation may
                           request in order to determine the effect, if any, of
                           such Beneficial Ownership on the Corporation's status
                           as a REIT.

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                                    (ii) each Person who is a Beneficial Owner
                           or Constructive Owner of Preferred Shares and each
                           Person (including the shareholder of record) who is
                           holding Preferred Shares for a Beneficial Owner or
                           Constructive Owner shall provide to the Corporation
                           such information that the Corporation may request, in
                           good faith, in order to determine the Corporation's
                           status as a REIT.

                  (g) Remedies Not Limited. Nothing contained in this Division A
         of this Article FOURTH shall limit the authority of the Board of
         Directors to take such other action as it deems necessary or advisable
         to protect the Corporation and the interests of its shareholders by
         preservation of the Corporation's status as a REIT.

                  (h) Ambiguity. In the case of an ambiguity in the application
         of any of the provisions of this Item XIV of this Division A of this
         Article FOURTH, including any definition contained in Section (a) of
         this Item XIV, the Board of Directors shall have the power to determine
         the application of the provisions of this Item XIV with respect to any
         situation based on the facts known to it.

                  (1) Exceptions.

                           (i) Subject to Section (b)(iv) of this Item XIV of
                     this Division A, the Board of Directors may exempt a Person
                     from the Ownership Limit applicable to a series of a class
                     of Preferred Shares if such Person is not an individual
                     (other than pension plans described in Section 856(h)(3))
                     for purposes of Section 542(a)(2) of the Code if the Board
                     of Directors obtains such representations and undertakings
                     from such Person as are reasonably necessary to ascertain
                     that no individual's Beneficial Ownership of such Preferred
                     Shares will violate the Ownership Limit, and agrees that
                     any violation or attempted violation will result in such
                     Preferred Shares in excess of the Ownership Limit being
                     subject to repurchase by the Corporation as set forth in
                     Section (d) of this Item XIV of this Division A of this
                     Article FOURTH.

                           (ii) The Board of Directors may exempt a Person from
                     the limitation on such Person Constructively Owning
                     Preferred Shares in excess of the Ownership Limit
                     applicable to a series of a class of such Preferred Shares
                     if such Person does not own and represents that it will not
                     own, directly or constructively (by virtue of the
                     application of Section 318 of the Code, as modified by
                     Section 856(d)(5) of the Code), more than a 9.8% interest
                     (as set forth in Section 856(d)(2)(B)) in a tenant of any
                     real property owned or leased by the Corporation, if the
                     Board of Directors obtains such representations and
                     undertakings from such Person as are reasonably necessary
                     to ascertain this fact and agrees that any violation or
                     attempted violation will result in such Preferred Shares

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                     in excess of the Ownership Limit being deemed to be Excess
                     Preferred Shares and subject to repurchase by the
                     Corporation as set forth in Section (d) of this Item XIV of
                     this Division A of this Article FOURTH.

   XV.   Legend. Each certificate for Preferred Shares shall bear the following
legend:

         "The Preferred Shares represented by this certificate are subject to
restrictions on transfer for the purpose of the corporation's maintenance of its
status as a Real Estate Investment Trust under the Internal Revenue Code of
1986, as amended. Subject to certain provisions of the Corporation's Articles of
Incorporation, no Person may Beneficially Own or Constructively Own shares of
any series of any class of Preferred Shares in excess of 9.8% of the outstanding
Preferred Shares of such series. Any Person who attempts to Beneficially Own or
Constructively Own shares of any series of any class of Preferred Shares in
excess of the above limitations must immediately notify the Corporation. All
capitalized terms in this legend have the meanings defined in the Corporation's
Articles of Incorporation, a copy of which, including the restrictions on
transfer, will be sent without charge to each shareholder who so requests. If
the restrictions on transfer are violated, certain of the Preferred Shares
represented hereby may be subject to repurchase by the Corporation on the terms
and conditions set forth in the Corporation's Articles of Incorporation.

                                   DIVISION B

                  Subject to the terms of the Cumulative Shares and the
Noncumulative Preferred Shares, the Common Shares shall have the following
express terms:

                  Section 1. Dividend Rights. The holders of Common Shares shall
         be entitled to receive, when, as and if declared by the Board of
         Directors of the Corporation, out of the assets of the Corporation
         which are by law available therefor, dividends or distributions payable
         in cash, in property or in securities of the Corporation.

                  Section 2. Rights Upon Liquidation. In the event of any
         voluntary or involuntary liquidation, dissolution or winding up of, or
         any distribution of the assets of, the Corporation, each holder of
         Common Shares shall be entitled to receive, ratably with each other
         holder of Common Shares, that portion of the assets of the Corporation
         available for distribution to its shareholders as the number of Common
         Shares held by such holder bears to the total number of Common Shares
         then outstanding.

                  Section 3. Voting Rights. The holders of Common Shares shall
         be entitled to vote on all matters (for which holders of Common Shares
         shall be entitled to vote thereon) at all meetings of the shareholders
         of the Corporation, and shall be entitled to one vote for each Common
         Share entitled to vote at such meeting.

                  Section 4. Restrictions on Transfer to Preserve Tax Benefit;
         Common Shares Subject to Redemption.

                  (a) Definitions. For the purposes of this Section 4 of this
         Division B of this Article FOURTH, the following terms shall have the
         following meanings:

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                  "Beneficial Ownership" shall mean ownership of Common Shares
         by a Person who would be treated as an owner of such Common Shares
         either directly or constructively through the application of Section
         544 of the Code, as modified by Section 856(h)(1)(B) of the Code. The
         terms "Beneficial Owner," "Beneficially Owns" and "Beneficially Owned"
         shall have the correlative meanings.

                  "Code" shall mean the Internal Revenue Code of 1986, as
         amended from time to time.

                  "Constructive Ownership" shall mean ownership of Common Shares
         by a Person who would be treated as an owner of such Common Shares
         either directly or Constructively through the application of Section
         318 of the Code, as modified by Section 856(d)(5) of the Code. The
         terms "Constructive Owner," "Constructively Owns" and "Constructively
         Owned" shall have the correlative meanings.

                  "Excess Shares" shall mean any Common Shares (i) acquired or
         proposed to be acquired by any Person (other than an Existing Holder)
         pursuant to a Transfer to the extent that, if effective, such Transfer
         would result in the transferee either (A) Beneficially Owning Common
         Shares in excess of the Ownership Limit or (B) Constructively Owning
         Common Shares in excess of the Related Party Limit, (ii) acquired or
         proposed to be acquired by an Existing Holder pursuant to a Transfer to
         the extent that, if effective, such Transfer would result in such
         Existing Holder Beneficially Owning Common Shares in excess of the
         Existing Holder Limit for such Existing Holder, or (iii) which are the
         subject of a Transfer that, if effective, which would result in (A) the
         Common Shares being owned by fewer than 100 Persons (determined without
         reference to any rules of attribution), or (B) the Corporation being
         "closely held" within the meaning of Section 856(h) of the Code.

                  "Existing Holder" shall mean (i) Bert L. Wolstein, (ii) Scott
         A. Wolstein, (iii) James A. Schoff, and (iv) any Person to whom an
         Existing Holder Transfers Beneficial Ownership of Common Shares causing
         such transferee to Beneficially Own Common Shares in excess of the
         Ownership Limit.

                  "Existing Holder Limit" (i) for any Existing Holder who is an
         Existing Holder by virtue of clause (i), (ii) or (iii) of the
         definition thereof, shall mean, initially, the percentage of the
         outstanding Common Shares Beneficially Owned by such Existing Holder
         upon the consummation of the Initial Public Offering, and after any
         adjustment pursuant to Section (4)(i) of this Division B of this
         Article FOURTH, shall mean such percentage of the outstanding Common
         Shares as so adjusted; and (ii) for any Existing Holder who becomes an
         Existing Holder by virtue of clause (iv) of the definition thereof,
         shall mean, initially, the percentage of the outstanding Common Shares
         Beneficially Owned by such Existing Holder at the time that such
         Existing Holder becomes an Existing Holder, and after any adjustment
         pursuant to Section 4(i) of this Division B of this

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         Article FOURTH, shall mean such percentage of the outstanding Common
         Shares as so adjusted. From and after the date of the Initial Public
         Offering, the secretary of the Corporation shall maintain and, upon
         request, make available to each Existing Holder, a schedule which sets
         forth the then current Existing Holder Limits for each Existing Holder.

                  "Initial Public Offering" means the sale of Common Shares
         pursuant to the Corporation's first effective registration statement
         for such Common Shares filed under the Securities Act of 1933, as
         amended.

                  "Market Price" shall mean the last reported sales price of
         Common Shares reported on the New York Stock Exchange on the trading
         day immediately preceding the relevant date or, if the Common Shares
         are not then traded on the New York Stock Exchange, the last reported
         sales price of the Common Shares on the trading day immediately
         preceding the relevant date as reported on any exchange or quotation
         system over which the Common Shares may be traded, or if the Common
         Shares are not then traded over any exchange or quotation system, then
         the market price of the Common Shares on the relevant date as
         determined in good faith by the Board of Directors of the Corporation.

                  "Ownership Limit" shall mean 5.0% of the outstanding Common
         Shares of the Corporation.

                  "Person" shall mean an individual, corporation, partnership,
         estate, trust (including a trust qualified under Section 401(a) or
         501(c)(17) of the Code), a portion of a trust permanently set aside for
         or to be used exclusively for the purposes described in Section 642(c)
         of the Code, an association, a private foundation within the meaning of
         Section 509(a) of the Code, a joint stock company, other entity or a
         group as that term is used for purposes of Section 13(d)(3) of the
         Securities Exchange Act of 1934, as amended; provided, however, that a
         "Person" does not mean an underwriter which participates in a public
         offering of the Common Shares, for a period of 35 days following the
         purchase by such underwriter of the Common Shares.

                  "REIT" shall mean a Real Estate Investment Trust under Section
         856 of the Code.

                  "Related Party Limit" shall mean 9.8% of the outstanding
         Common Shares of the Corporation.

                  "Transfer" shall mean any sale, transfer, gift, assignment,
         devise or other disposition of Common Shares (including, without
         limitation, (i) the granting of any option or entering into any
         agreement for the sale, transfer or other disposition of Common Shares
         or (ii) the sale, transfer, assignment or other disposition of any
         securities or rights convertible into or exchangeable for Common
         Shares), whether voluntary or involuntary, whether of record or
         beneficially and whether by operation of law or otherwise.

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                  (b) Restrictions on Transfers.

                                    (i) Except as provided in Section 4(i) of
                           this Division B of this Article FOURTH, from and
                           after the date of the Initial Public Offering, no
                           Person (other than an Existing Holder) shall
                           Beneficially Own Common Shares in excess of the
                           Ownership Limit and no Existing Holder shall
                           Beneficially Own Common Shares in excess of the
                           Existing Holder Limit for such Existing Holder.

                                    (ii) Except as provided in Section 4(i) of
                           this Division B of this Article FOURTH, from and
                           after the date of the Initial Public Offering, any
                           Transfer that, if effective, would result in any
                           Person (other than an Existing Holder) Beneficially
                           Owning Common Shares in excess of the Ownership Limit
                           shall be void ab initio as to the Transfer of such
                           Common Shares which would be otherwise Beneficially
                           Owned by such Person in excess of the Ownership
                           Limit, and the intended transferee shall acquire no
                           rights in such Common Shares.

                                    (iii) Except as provided in Section 4(i) of
                           this Division B of this Article FOURTH, from and
                           after the date of the Initial Public Offering, any
                           Transfer that, if effective, would result in any
                           Existing Holder Beneficially Owning Common Shares in
                           excess of the applicable Existing Holder Limit shall
                           be void ab initio as to the Transfer of such Common
                           Shares which would be otherwise Beneficially Owned by
                           such Existing Holder in excess of the applicable
                           Existing Holder Limit, and such Existing Holder shall
                           acquire no rights in such Common Shares.

                                    (iv) Except as provided in Section 4(i) of
                           this Division B of this Article FOURTH, from and
                           after the date of the Initial Public Offering, any
                           Transfer that, if effective, would result in any
                           Person Constructively Owning Common Shares in excess
                           of the Related Party Limit shall be void ab initio as
                           to the Transfer of such Common Shares which would be
                           otherwise Constructively Owned by such Person in
                           excess of such amount, and the intended transferee
                           shall acquire no rights in such Common Shares.

                                    (v) Except as provided in Section 4(i) of
                           this Division B of this Article FOURTH, from and
                           after the date of the Initial Public Offering, any
                           Transfer that, if effective, would result in the
                           Common Shares being beneficially owned by less than
                           100 Persons (determined without reference to any
                           rules of attribution) shall be void ab initio as to
                           the Transfer of such Common Shares which would be
                           otherwise beneficially owned by the transferee,

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                           and the intended transferee shall acquire no rights
                           in such Common Shares.

                                    (vi) From and after the date of the Initial
                           Public Offering, any Transfer that, if effective,
                           would result in the Corporation being "closely held"
                           within the meaning of Section 856(h) of the Code
                           shall be void ab initio as to the Transfer of the
                           Common Shares which would cause the Corporation to be
                           "closely held" within the meaning of Section 856(h)
                           of the Code, and the intended transferee shall
                           acquire no rights in such Common Shares.

                  (c) Remedies for Breach. If the Board of Directors or its
         designees shall at any time determine in good faith that a Transfer has
         taken place in violation of Section 4(b) of this Division B of this
         Article FOURTH or that a Person intends to acquire or has attempted to
         acquire beneficial ownership (determined without reference to any rules
         of attribution), Beneficial Ownership or Constructive Ownership of any
         Common Shares of the Corporation in violation of Section 4(b) of this
         Division B of this Article FOURTH, or that any such Transfer, intended
         or attempted acquisition or acquisition would jeopardize the status of
         the Corporation as a REIT under the Code, the Board of Directors or its
         designees shall take such actions as it deems advisable to refuse to
         give effect or to prevent such Transfer, including, but not limited to,
         refusing to give effect to such Transfer on the books of the
         Corporation or instituting proceedings to enjoin such Transfer and, in
         addition, exercising its rights under Section 4(d) of this Division B
         of this Article FOURTH.

                  (d) Purchase Right in Excess Shares. Beginning on the date of
         the occurrence of a Transfer which, if consummated, in the good faith
         judgment of the Board of Directors of the Corporation, could result in
         Excess Shares, such Excess Shares shall be deemed to have been offered
         for sale to the Corporation, or its designee, at a price per share
         equal to the lesser of (i) the price per share in the transaction that
         created such Excess Shares (or, in the case of a devise or gift, the
         Market Price at the time of such devise or gift) and (ii) the Market
         Price on the date the Corporation, or its designee, accepts such offer.
         The Corporation shall have the right to accept such offer for a period
         of ninety days after the later of (i) the date of such Transfer and
         (ii) if the Corporation does not receive a notice of such Transfer
         pursuant to Section 4(e) of this Division B of this Article FOURTH, the
         date the Board of Directors determines in good faith that such Transfer
         has occurred. Prompt payment of the purchase price shall be made in
         such reasonable manner as may be determined by the Corporation. From
         and after the date fixed for purchase by the Corporation, and so long
         as payment of the purchase price for the Excess Shares to be so
         purchased shall have been made or duly provided for, the holder of any
         Excess Shares so called for purchase shall cease to be entitled to
         dividends, distributions, voting rights and other benefits with respect
         to such Excess Shares, excepting only the right to payment of the
         purchase price fixed as aforesaid. Any dividend or distribution paid to
         a proposed transferee of Excess Shares prior to the discovery by the
         Corporation that the Excess Shares have been

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         transferred in violation of Section 4(b) of this Division B of this
         Article FOURTH shall be repaid to the Corporation upon demand. If the
         foregoing provisions are determined to be void or invalid by virtue of
         any legal decision, statute, rule or regulation, then the intended
         transferee of such Excess Shares shall be deemed, at the option of the
         Corporation, to have acted as agent on behalf of the Corporation in
         acquiring such Excess Shares and to hold such Excess Shares on behalf
         of the Corporation.

                  (e) Notice of Restricted Transfer. Any Person who acquires or
         intends to acquire shares in violation of Section 4(b) of this Division
         B of this Article FOURTH or any Person who is a transferee of Excess
         Shares shall immediately give written notice to the Corporation of such
         event and shall provide to the Corporation such other information as
         the Corporation may request in order to determine the effect, if any,
         of such Transfer or intended Transfer on the Corporation's status as a
         REIT.

                  (f) Owners Required to Provide Information. From and after the
         date of the Initial Public Offering:

                                    (i) every Beneficial Owner of more than 5.0%
                           (or such other percentage, between 0.5% and 5.0%, as
                           provided in the regulations promulgated pursuant to
                           the Code) of the outstanding Common Shares of the
                           Corporation shall, within 30 days after January 1 of
                           each year, give written notice to the Corporation
                           stating the name and address of such Beneficial
                           Owner, the number of shares Beneficially Owned, and
                           description of how such shares are held. Each such
                           Beneficial Owner shall provide to the Corporation
                           such additional information as the Corporation may
                           request in order to determine the effect, if any, of
                           such Beneficial Ownership on the Corporation's status
                           as a REIT.

                                    (ii) each Person who is a Beneficial Owner
                           or Constructive Owner of Common Shares and each
                           Person (including the shareholder of record) who is
                           holding Common Shares for a Beneficial Owner or
                           Constructive Owner shall provide to the Corporation
                           such information that the Corporation may request, in
                           good faith, in order to determine the Corporation's
                           status as a REIT.

                  (g) Remedies Not Limited. Nothing contained in this Division B
         of this Article FOURTH shall limit the authority of the Board of
         Directors to take such other action as it deems necessary or advisable
         to protect the Corporation and the interests of its shareholders by
         preservation of the Corporation's status as a REIT.

                  (h) Ambiguity. In the case of an ambiguity in the application
         of any of the provisions of Section 4 of this Division B of this
         Article FOURTH, including any definition contained in Section 4(a), the
         Board of Directors shall have the power

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         to determine the application of the provisions of this Section 4 with
         respect to any situation based on the facts known to it.

                  (i) Modification of Existing Holder Limits. Subject to the
         provisions of Section 4(k) of this Division B, the Existing Holder
         Limits may be modified as follows:

                                    (i) Subject to the limitations provided in
                           Section 4(k), any Existing Holder may Transfer Common
                           Shares to a Person who is already an Existing Holder
                           up to the number of Common Shares Beneficially Owned
                           by such transferor Existing Holder in excess of the
                           Ownership Limit. Any such Transfer will decrease the
                           Existing Holder Limit for such transferor Existing
                           Holder and increase the Existing Holder Limit for
                           such transferee Existing Holder by the percentage of
                           the outstanding Common Shares so Transferred. The
                           transferor Existing Holder shall give the Board of
                           Directors of the Corporation prior written notice of
                           any such Transfer.

                                    (ii) Any grant of a stock option pursuant to
                           a stock option plan approved by the shareholders of
                           the Corporation shall increase the Existing Holder
                           Limit for the affected Existing Holder to the maximum
                           extent possible under Section 4(k) to permit the
                           Beneficial Ownership of the Common Shares issuable
                           upon the exercise of such stock option.

                                    (iii) The Board of Directors may reduce the
                           Existing Holder Limit for any Existing Holder, with
                           the written consent of such Existing Holder, after
                           any Transfer permitted in this Section 4 by such
                           Existing Holder to a Person other than an Existing
                           Holder or after the lapse (without exercise) of a
                           stock option described in Section 4(i)(ii).

                                    (iv) Any Common Shares issued to an Existing
                           Holder pursuant to a dividend reinvestment plan
                           adopted by the Corporation shall increase the
                           Existing Holder Limit for the Existing Holder to the
                           maximum extent possible under Section 4(k) to permit
                           the Beneficial Ownership of such Common Shares.

                  (j) Modification of Ownership Limit. Subject to the
         limitations provided in Section 4(k) of this Division B, the Board of
         Directors may from time to time increase the Ownership Limit.

                  (k) Limitations on Modifications. Notwithstanding any other
         provision of this Division B of this Article FOURTH:

                                    (i) Neither the Ownership Limit nor any
                           Existing Holder Limit may be increased (nor may any
                           additional Existing

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                           Holder Limit be created) if, after giving effect to
                           such increase (or creation), five Beneficial Owners
                           of Common Shares (including all of the then Existing
                           Holders) could Beneficially Own, in the aggregate,
                           more than 49.6% of the outstanding Common Shares.

                                    (ii) Prior to the modification of any
                           Existing Holder Limit or Ownership Limit pursuant to
                           Section 4(i) or Section 4(j) of this Division B of
                           this Article FOURTH, the Board of Directors of the
                           Corporation may require such opinions of counsel,
                           affidavits, undertakings or agreements as it may deem
                           necessary or advisable in order to determine or
                           ensure the Corporation's status as a REIT.

                                    (iii) No Existing Holder Limit shall be
                           reduced to a percentage which is less than the
                           Ownership Limit.

                                    (iv) The Ownership Limit may not be
                           increased to a percentage which is greater than 9.8%.

                                    (v) The Related Party Limit may not be
                           increased to a percentage which is greater than 9.8%.

                  (l) Exceptions.

                                    (i) The Board of Directors, with a ruling
                           from the Internal Revenue Service or an opinion of
                           counsel, may exempt a Person from the Ownership
                           Limits or the Existing Holder Limits, as the case may
                           be, if such Person is not an individual for purposes
                           of Section 542(a)(2) of the Code and the Board of
                           Directors obtains such representations and
                           undertakings from such Person as are reasonably
                           necessary to ascertain that no individual's
                           Beneficial Ownership of such Common Shares will
                           violate the Ownership Limit or the applicable
                           Existing Holder Limit, as the case may be, and agrees
                           that any violation or attempted violation will result
                           in such Common Shares in excess of 5.0% of the
                           outstanding Common Shares being deemed to be Excess
                           Shares and subject to repurchase by the Corporation
                           as set forth in Section 4(d) of this Division B of
                           this Article FOURTH.

                                    (ii) The Board of Directors, with a ruling
                           from the Internal Revenue Service or an opinion of
                           counsel, may exempt a Person from the limitation on
                           such Person Constructively Owning Common Shares in
                           excess of the Related Party Limit if such Person does
                           not own and represents that it will not own, directly
                           or constructively (by virtue of the application of
                           Section 318 of the Code, as modified by Section
                           856(d)(5) of the Code), more than a 9.9% interest (as
                           set forth in Section 856(d)(2)(B) in a tenant of

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                           any real property owned or leased by the Corporation,
                           and the Corporation obtains such representations and
                           undertakings from such Person as are reasonably
                           necessary to ascertain this fact and agrees that any
                           violation or attempted violation will result in such
                           Common Shares in excess of 9.8% being deemed to be
                           Excess Shares and subject to repurchase by the
                           Corporation as set forth in Section 4(d) of this
                           Division B of this Article FOURTH.

                  Section 5. Legend. Each certificate for Common Shares shall
         bear the following legend:

                           "The Common Shares represented by this certificate
                  are subject to restrictions on transfer for the purpose of the
                  Corporation's maintenance of its status as a Real Estate
                  Investment Trust under the Internal Revenue Code of 1986, as
                  amended. Subject to certain provisions of the Corporation's
                  Articles of Incorporation, no Person may Beneficially Own
                  Common Shares in excess of 5.0% of the outstanding Common
                  Shares of the Corporation (unless such Person is an Existing
                  Holder) and no Person (other than an Existing Holder who
                  Constructively Owns in excess of 9.8% of the Common Shares
                  immediately following the consummation of the Initial Public
                  Offering) may Constructively Own Common Shares in excess of
                  9.8% of the outstanding Common Shares of the Corporation. Any
                  Person who attempts to Beneficially Own or Constructively Own
                  Common Shares in excess of the above limitations must
                  immediately notify the Corporation. All capitalized items in
                  this legend have the meanings defined in the Corporation's
                  Articles of Incorporation, a copy of which, including the
                  restrictions on transfer, will be sent without charge to each
                  shareholder who so requests. If the restrictions on transfer
                  are violated, certain of the Common Shares represented may be
                  subject to repurchase by the Corporation on the terms and
                  conditions set forth in the Corporation's Articles of
                  Incorporation."

                  Section 6. Securities Exchange Transactions. Notwithstanding
         any provision contained herein to the contrary, nothing in these
         Amended and Restated Articles of Incorporation shall preclude the
         settlement of any transaction entered into through the facilities of
         the New York Stock Exchange.

                  FIFTH: At all times following the consummation of the Initial
Public Offering (as defined in Article FOURTH), at least a majority of the
members of the Board of Directors shall, except during the period of a vacancy
or vacancies therein, be Independent Directors. An "Independent Director" shall
mean a person who is not (i) employed by the Corporation or (ii) an "affiliate"
(as defined in Rule 405 under the Securities Act of 1933, as amended) of (A) any
entity which is part of the Developers Diversified Group, including, without
limitation, Developers Diversified Limited Partnership, an Ohio limited
partnership, Developers Diversified, Ltd., an Ohio limited partnership, W & M
Properties, an Ohio general partnership, W & Z Properties, Ltd., an Ohio limited
partnership, and DE Properties Corporation, an Ohio corporation, or (B) any
partnership which is an affiliate (as defined above) of any entity listed in
clause (A) of this Article FIFTH.

                                      122
<PAGE>

                  SIXTH: No holder of shares of the corporation of any class
shall be entitled as such, as a matter of right, to subscribe for or purchase
shares of any class, now or hereafter authorized, or to subscribe for or
purchase securities convertible into or exchangeable for shares of the
corporation or to which shall be attached or appertain any warrants or rights
entitling the holder thereof to subscribe for or purchase shares, except such
rights of subscription or purchase, if any, for such considerations and upon
such terms and conditions as its Board of Directors from time to time may
determine.

                  SEVENTH: Notwithstanding any provision of Sections 1701.01 to
1701.98, inclusive, of the Ohio Revised Code, or any successor statutes now or
hereafter in force, requiring for the authorization or taking of any action the
vote or consent of the holders of shares entitling them to exercise two-thirds
or any other proportion of the voting power of the corporation or of any class
or classes of shares thereof, such action, unless otherwise expressly required
by law or these Articles of Incorporation, may be authorized or taken by the
vote or consent of the holders of shares entitling them to exercise a majority
of the voting power of the corporation or of such class or classes of shares
thereof.

                  EIGHTH: To the extent permitted by law, the corporation, by
action of its Board of Directors, may purchase or otherwise acquire shares of
any class issued by it at such times, for such consideration and upon such terms
and conditions as its Board of Directors may determine.

                  NINTH: The provisions of Chapter 1701.831 of the Ohio Revised
Code shall not apply to the Corporation.

                  TENTH: The provisions of Chapter 1707.043 of the Ohio Revised
Code shall not apply to the Corporation.

                  ELEVENTH: If any provision (or portion thereof) of these
Articles of Incorporation shall be found to be invalid, prohibited, or
unenforceable for any reason, the remaining provisions (or portions thereof) of
these Articles of Incorporation shall be deemed to remain in full force and
effect, and shall be construed as if such invalid, prohibited, or unenforceable
provision had been stricken herefrom or otherwise rendered inapplicable, it
being the intent of the Corporation and its shareholders that each such
remaining provision (or portion thereof) of these Articles of Incorporation
remain, to the fullest extent permitted by law, applicable and enforceable as to
all shareholders, notwithstanding any such finding.

                  TWELFTH: The Corporation reserves the right to amend, alter,
change or repeal any provision contained in these Articles of Incorporation, in
the manner now or hereafter prescribed by statute, and all rights conferred upon
shareholders herein are granted subject to this reservation.

                  THIRTEENTH: These Amended and Restated Articles of
Incorporation shall take the place of and supersede the Corporation's existing
Articles of Incorporation.

                                      123<PAGE>

                                                                     Exhibit 4.2
                                SECOND AMENDMENT
                                       TO
                              AMENDED AND RESTATED
                           ARTICLES OF INCORPORATION
                                       OF
                   DEVELOPERS DIVERSIFIED REALTY CORPORATION
                               Charter No. 831795

      The following amendment to the Amended and Restated Articles of
Incorporation of the Corporation, as amended, was adopted by a majority vote of
the shareholders of the Corporation at a meeting held on January 29, 2003 and
pursuant to the authority of Section 1701.71(A)(1) and 1701.73(A) and (C) of the
Ohio Revised Code:

      RESOLVED, that the Amended and Restated Articles of Incorporation of the
Corporation, as amended, be and they hereby are amended by deleting the first
paragraph of Article FOURTH in its entirety and replacing it with the following:

            FOURTH: The authorized number of shares of the Corporation is
      211,000,000, consisting of 200,000,000 common shares, without par value
      (hereinafter called "Common Shares"), 750,000 Class A Cumulative Preferred
      Shares, without par value (hereinafter called "Class A Shares"), 750,000
      Class B Cumulative Preferred Shares, without par value (hereinafter called
      "Class B Shares"), 750,000 Class C Cumulative Preferred Shares, without
      par value (hereinafter called "Class C Shares"), 750,000 Class D
      Cumulative Preferred Shares, without par value (hereinafter called "Class
      D Shares"), 750,000 Class E Cumulative Preferred Shares, without par value
      (hereinafter called "Class E Shares"), 750,000 Class F Cumulative
      Preferred Shares, without par value (hereinafter called "Class F Shares"),
      750,000 Class G Cumulative Preferred Shares, without par value
      (hereinafter called "Class G Shares"), 750,000 Class H Cumulative
      Preferred Shares, without par value (hereinafter called "Class H Shares"),
      750,000 Class I Cumulative Preferred Shares, without par value
      (hereinafter called "Class I Shares"), 750,000 Class J Cumulative
      Preferred Shares, without par value (hereinafter called "Class J Shares"),
      750,000 Class K Cumulative Preferred Shares, without par value
      (hereinafter called "Class K Shares"), 750,000 Noncumulative Preferred
      Shares, without par value (hereinafter called "Noncumulative Shares"), and
      2,000,000 Cumulative Voting Preferred Shares, without par value
      (hereinafter called "Voting Preferred Shares"). The Class A Shares, Class
      B Shares, Class C Shares, Class D Shares, Class E Shares, Class F Shares,
      Class G Shares, Class H Shares, Class I Shares, Class J Shares, Class K
      Shares and Voting Preferred Shares are sometimes collectively referred to
      herein as the "Cumulative Shares."

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