Document:

Exhibit 4(c)

     UNLESS AND UNTIL IT IS EXCHANGED IN WHOLE OR IN PART FOR THE INDIVIDUAL
SECURITIES REPRESENTED HEREBY, THIS GLOBAL SECURITY MAY NOT BE TRANSFERRED
EXCEPT AS A WHOLE (I) BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR (II)
BY A NOMINEE OF THE DEPOSITARY OR THE DEPOSITARY TO A SUCCESSOR DEPOSITARY OR A
NOMINEE OF SUCH SUCCESSOR DEPOSITARY. UNLESS THIS CERTIFICATE IS PRESENTED BY AN
AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY (55 WATER STREET, NEW
YORK, NEW YORK) TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER,
EXCHANGE OR PAYMENT AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE
& CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE
DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER,
PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS
WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

     This Security is a Global Security within the meaning of the Indenture
hereinafter referred to and is registered in the name of a Depositary or a
nominee of a Depositary. This Security is exchangeable for Securities registered
in the name of a person other than the Depositary or its nominee only in the
limited circumstances described in the Indenture, and no transfer of this
Security (other than a transfer of this Security as a whole by the Depositary to
a nominee of the Depositary or by a nominee of the Depositary to the Depositary
or another nominee of the Depositary) may be registered except in limited
circumstances.

     Unless this Security is presented by an authorized representative of The
Depository Trust Company (55 Water Street, New York, New York) to the issuer or
its agent for registration of transfer, exchange or payment, and any Security
issued is registered in the name of Cede & Co. or such other name as requested
by an authorized representative of The Depositary Trust Company and any payment
hereon is made to Cede & Co. or such other name as requested by an authorized
representative of The Depositary Trust Company. ANY TRANSFER, PLEDGE OR OTHER
USE HEREOF FOR VALUE OR OTHERWISE BY A PERSON IS WRONGFUL since the registered
owner hereof, Cede & Co., has an interest herein.

<PAGE>

Certificate No. __

$143,750,000

CUSIP No.  247131 20 4

                          DELPHI FINANCIAL GROUP, INC.

                                8.00% SENIOR NOTE

     DELPHI FINANCIAL GROUP, INC., a Delaware corporation (the "Company," which
term includes any successor corporation under the Indenture hereinafter referred
to), for value received, hereby promises to pay to CEDE & CO. or registered
assigns, the principal sum of ONE HUNDRED AND FORTY THREE MILLION SEVEN HUNDRED
AND FIFTY THOUSAND DOLLARS ($143,750,000) on May 15, 2033, and to pay interest
on the outstanding principal amount thereon from May 20, 2003, or from the
immediately preceding interest payment date (each such date, an "Interest
Payment Date") to which interest has been paid or duly provided for. Interest
shall be paid quarterly in arrears on each Interest Payment Date, beginning
August 15, 2003, at the rate of 8.00% per annum, until the entire principal
hereof shall have become due and payable and, until the principal hereof is paid
or duly provided for or made available for payment. The amount of interest
payable on this security shall be computed on the basis of a 360-day year of
twelve 30-day months.

     In the event that any date on which interest is payable on this Security is
not a Business Day, then payment of interest payable on such date will be made
on the next succeeding day that is a Business Day (and without any interest or
other payment in respect of any such delay), except that if such next Business
Day is in the next succeeding calendar year, such payment shall be made on the
immediately preceding Business Day, in each case with the same force and effect
as if made on the date the payment was originally payable. A "Business Day"
shall mean a day that in the City of New York or in any place of payment is not
a day on which banking institutions are authorized by law or regulations to
close. The interest installment so payable, and punctually paid or duly provided
for, on any Interest Payment Date will, as provided in the Indenture, be paid to
the Person in whose name this Security (or one or more Predecessor Securities)
is registered at the close of business on the first day of the month in which an
Interest Payment Date occurs (a "Regular Record Date"). Any such interest
installment not punctually paid or duly provided for shall forthwith cease to be
payable to the registered Holder on such Regular Record Date and may either be
paid to the Person in whose name this Security (or one or more Predecessor
Securities) is registered at the close of business on a Special Record Date to
be fixed by the Trustee for the payment of such Defaulted Interest, notice
whereof shall be given to the Holder of this Security not more than 15 or less
than 10 days prior to such Special Record Date, or be paid at any time in any
other lawful manner not inconsistent with the requirements of any securities
exchange on which this Security may be listed, and upon such notice as may be
required by such exchange, all as more fully provided in the Indenture.

     The principal of and the interest on this Security shall be payable at the
office of the Paying Agent in such coin or currency of the United States of
America as at the time of payment

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<PAGE>

is legal tender for payment of public and private debts; provided, however, that
payment of interest may be made at the option of the Company by check mailed to
the registered Holder at such address as shall appear in the Security Register.
Payment in respect of the Securities represented as Global Securities (including
principal and interest) will be made by wire transfer of immediately available
funds to the accounts specified by the Person entitled thereto. All payments of
principal and interest hereunder shall be made in immediately available funds.

     Reference is hereby made to the further provisions of this Security set
forth below, which further provisions shall for all purposes have the same
effect as if set forth at this place.

     Unless the certificate of authentication hereon has been executed by the
Trustee by manual signature, this Security shall not be entitled to any benefit
under the Indenture or be valid for any purpose.

     IN WITNESS WHEREOF, the Company has caused this instrument to be executed.

DELPHI FINANCIAL GROUP, INC.

By: /s/ Robert M. Smith, Jr.
    ----------------------------
Name:   Robert M. Smith, Jr.
Title:  Executive Vice President

Attest:
By: /s/ Linda Eike
    ----------------------------
Name:   Linda Eike
Title:  Secretary

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<PAGE>

                          CERTIFICATE OF AUTHENTICATION

     This is one of the Securities referred to in the within-mentioned Senior
Indenture.

                                   WILMINGTON TRUST COMPANY,
                                   as Trustee

                                   By:  /s/ Michael G. Oller, Jr.
                                        ---------------------------------
                                                Authorized Officer

<PAGE>

                              (REVERSE OF SECURITY)

1. Method of Payment.

The Company will pay interest on the Securities (except defaulted interest) to
the persons who are registered holders of Securities at the close of business on
the first day of the month in which a relevant interest payment date occurs.
Holders must surrender Securities to a Paying Agent to collect principal
payments. The Company will pay principal and interest in money of the United
States that at the time of payment is legal tender for payment of public and
private debts. The Company may, however, pay principal and interest by check
payable in such money. It may mail an interest check to a holder's registered
address.

2. Paying Agent and Registrar.

Initially, Wilmington Trust Company, as Trustee (the "Trustee"), will act as
Paying Agent and Registrar. The Company may change any Paying Agent and
Registrar. The Company may change any Paying Agent, Registrar or co-Registrar
without notice. The Company or any of its subsidiaries may act as Paying Agent,
Registrar or Co-Registrar.

3. Indenture; Supplemental Indenture.

The Company issued the Securities of this series under an Indenture dated as of
May 20, 2003 (the "Indenture") between the Company and the Trustee. The
Securities of this series are unsecured general obligations of the Company
limited in aggregate principal amount to $143,750,000. The Indenture does not
limit other unsecured debt. The terms of the Securities include those stated in
the Indenture, those stated in a Supplemental Indenture creating the series and
those made part of the Indenture by reference to the Trust Indenture Act of
1939, as amended and as in effect on the date of the Indenture. The Securities
are subject to all such terms, and Securityholders are referred to the Indenture
or Supplemental Indenture and such Act for a statement of them.

4. Optional Redemption.

On or after May 15, 2008, the Company may redeem all the Securities at any time
or some of them from time to time at a redemption price equal to 100% of their
principal amount, plus accrued interest to the date of redemption.

5. Notice of Redemption.

Notice of redemption will be mailed at least 45 days but not more than 60 days
before the redemption date to each holder of Securities to be redeemed at his or
her registered address. All notices of redemption shall state the redemption
date, the redemption price and any accrued interest, the identification of the
particular Securities (if less than all the outstanding 8.00% Notes are to be
redeemed) to be redeemed, that on the redemption date the redemption price and
any accrued interest will become due and payable upon each such 8.00% Note, and
other details regarding the redemption.

                                       R-1
<PAGE>

6. Denominations, Transfer, Exchange.

The Securities are in registered form without coupons in denominations of $25
and integral multiples of $25. A holder may transfer or exchange Securities in
accordance with the Indenture. The Registrar may require a holder, among other
things, to furnish appropriate endorsements and transfer documents and to pay
any taxes and fees required by law or permitted by the Indenture. The Registrar
need not transfer or exchange any Securities for a period 15 days before a
selection of Securities to be redeemed or transfer or exchange any Securities or
portions of them selected for redemption.

7. Persons Deemed Owners.

The registered holder of a Security may be treated as its owner for all
purposes.

8. Amendment, Supplement, Waiver.

Subject to certain exceptions, the Indenture or the Securities may be amended or
supplemented by the Company with the consent of the Holders of at least a
majority in principal amount of the Securities of all series affected by the
amendment, and any past default on a series or compliance with any provision may
be waived with the consent of the Holders of a majority in principal of the
Securities of the series. Without the consent of any Securityholder, the Company
may amend or supplement the Indenture or the Securities to cure any ambiguity,
defect or inconsistency, to evidence the succession of another corporation to
the Company, to provide that specific provisions of the Indenture will not apply
to a series not previously issued, to provide for uncertificated Securities in
addition to or in place of certificated Securities, to create a series and
establish its terms, to provide for a separate Trustee for one or more series,
to add to covenants of the Company or surrender any rights or power conferred
upon the Company, to evidence or provide for a successor Trustee or to make any
change that does not materially adversely affect the rights of any
Securityholder.

9. Defeasance Prior to Redemption or Maturity.

Subject to certain conditions, the Company at any time may terminate some or all
of its obligations under the Securities and the Indenture if the Company
deposits with the Trustee money or U.S. Government Obligations for the payment
of principal and interest on the Securities to redemption or maturity.

10. Defaults and Remedies.

An Event of Default is: default for 30 days in payment of interest on the
Securities; default in payment of principal on the Securities (at maturity, upon
redemption or otherwise); failure by the Company for 60 days after notice to it
to comply with any of its other covenants, conditions or agreements in the
Indenture or the Securities; and certain events of bankruptcy or insolvency. If
an Event of Default occurs and is continuing, the Trustee or the Holders of at
least 25% in principal amount of the outstanding Securities may declare the
Securities to be due and payable immediately. Securityholders may not enforce
the Indenture or the Securities except as provided in the Indenture. The Trustee
may require indemnity satisfactory to it before it enforces the

                                       R-2
<PAGE>

Indenture or the Securities. Subject to certain limitations, holders of a
majority in principal amount of the outstanding Securities may direct the
Trustee in its exercise of any trust or power. The Trustee may withhold from the
notice of any continuing default (except a default in payment of principal or
interest) if its determines that withholding notice is in Securityholders'
interest. The Company is required to file periodic reports with the Trustee as
to the absence of default.

11. Authentication.

This Security shall not be valid until the Trustee manually signs the
certificate of authentication on the other side of this Security.

12. Abbreviations.

Customary abbreviations may be used in the name of a Securityholder or an
assignee, such as: TEN COM (= tenants in common), TEN ENT (= tenants by the
entireties), JT TEN (= joint tenants with right of survivorship and not as
tenants in common), CUST (= Custodian), and U/G/M/A (= Uniform Gifts to Minors
Act).

13. Requests for Copies.

The Company will furnish to any Securityholder upon written request and without
charge a copy of the Indenture and the Supplemental Indenture. Requests may be
made to: Secretary, Delphi Financial Group, Inc., 1105 North Market Street,
Suite 1230, P.O. Box 8985, Wilmington, Delaware 19899.

                                      R-3Amendment to Offer Letter, dated February 18, 2003

 
EXHIBIT 10.22

 
Amendment to Employment Offer Letter
(“Amendment”) 
 
WHEREAS,
Tumbleweed Communications Corp. (the “Company”) and David Jevans (“Jevans,” and, together with the Company, the “Parties”) executed the Employment Offer Letter between the Company and Jevans, dated February 18, 2003
(“Offer Letter”); and 
 
WHEREAS, the
Parties desire to amend the terms of the “Salary and Bonus” section of the Offer Letter as set forth below; 
 
NOW, THEREFORE, in consideration of the promises and mutual covenants, and other good and valuable consideration, the sufficiency and
receipt of which is acknowledged, intending to be legally bound, the Parties agree as follows: 
 
1.    Effective upon the date of this Amendment, the “Salary and Bonus” section of the Offer Letter is shall be deemed amended by deleting the paragraph in its entirety
and replacing it with the following new paragraph: 
 
Salary and Bonus.    Your salary will be $180,000 on an annualized basis, payable in accordance with the Company’s standard payroll procedures (“Base Salary”). You will also be eligible for
certain quarterly bonuses and incentive compensation based on the achievement of certain performance objectives, as set forth in Exhibit A, attached hereto. In addition, contingent upon your continued employment with the Company, you will be
entitled to receive an annual bonus of $60,000 in each of the first four (4) years of your employment (each an “Anniversary Bonus”). Each Anniversary Bonus will be earned at a rate of $5,000 per full month of your continuous employment.
Each Anniversary Bonus shall be paid within thirty (30) days of each twelve-month anniversary of your employment with the Company. In the event of the termination of your employment for any reason prior to the date on which the Anniversary Bonus is
to be paid, the amount earned by you prior to such termination shall be paid in full within thirty (30) days of your final day of work for the Company. You shall be deemed to have earned the full $5,000 monthly accrual for the first month of your
employment, regardless of the number of days actually worked. All Base Salary and bonus payments you receive hereunder are subject to applicable withholdings. 
 
2.    Except as specifically amended herein, the Offer Letter shall remain in full force and effect in accordance with its terms from
and after the date hereof. All references to the Offer Letter from and after the date hereof shall be deemed to include this Amendment. 
 
IN WITNESS WHEREOF, the Parties have caused this Amendment to be executed as of February 18, 2003. 
 

	
	 	 	 /S/    JEFFREY C.
SMITH        
	 	 	 	 	 	 /S/    DAVID
JEVANS        

	 	 	
	 	 	 	 	 	

	 	 	 Jeffrey C. Smith
 CEO
 Tumbleweed Communications Corp.
	 	 	 	 	 	 David Jevans

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