Document:

<PAGE>   1
                                                                     Exhibit 4.2

                      ASSOCIATES FIRST CAPITAL CORPORATION,

                                    CITICORP,

                                             AS GUARANTOR

                                       AND

                            THE CHASE MANHATTAN BANK,

                                           AS TRUSTEE

                             Supplemental Indenture

                          Dated as of December 1, 2000

                                  to Indenture

                          Dated as of September 1, 1998
<PAGE>   2
         THIS SUPPLEMENTAL INDENTURE dated as of December 1, 2000 (the
"Supplemental Indenture"), by and among Associates First Capital Corporation, a
corporation organized and existing under the laws of the State of Delaware
("AFCC"), Citicorp, a corporation organized and existing under the laws of the
State of Delaware, as guarantor, and The Chase Manhattan Bank, a New York
banking corporation, as trustee (the "Trustee");

         WHEREAS, AFCC has heretofore executed and delivered to the Trustee an
indenture dated as of September 1, 1998 (the "Indenture"), providing for the
issuance by AFCC from time to time of its senior securities;

         WHEREAS, on the date hereof, AFCC will become a wholly owned subsidiary
of Citicorp;

         WHEREAS, Citicorp desires to fully and unconditionally guarantee the
payment obligations of AFCC with respect to AFCC's issued and outstanding senior
securities under the Indenture (the "Notes") as long as AFCC remains a wholly
owned subsidiary of Citicorp and the Notes remain outstanding; and

         WHEREAS, the execution of the Supplemental Indenture is authorized and
permitted by Section 12.01(c) of the Indenture and all conditions precedent
provided for in the Indenture relating to the execution of the Supplemental
Indenture have been complied with;

         NOW, THEREFORE, THIS SUPPLEMENTAL INDENTURE WITNESSETH: That in order
to effectuate the guarantee described in the preceding paragraph, Citicorp
agrees with the Trustee, for the equal and proportionate benefit of the
respective Holders from time to time of the Notes (the "Holders"), as follows:

                                    ARTICLE I
                                    Guarantee

                  Citicorp does hereby fully and unconditionally guarantee (the
"Guarantee") to the Holders the due and punctual payment of the principal of and
interest on all the Notes, according to their tenor, and the performance of
every covenant of the Indenture on the part of AFCC to be performed or observed
(the "Obligations") in accordance with the provisions of the Indenture, as
supplemented, as provided below:

         (a)      Notice of acceptance of the Guarantee and of default of
                  performance by AFCC is expressly waived, and payment under the
                  Guarantee shall be subject to no condition other than the
                  giving of a written request for payment in accordance with the
                  provisions of the Indenture, stating the fact of default of
                  performance, mailed to Citicorp at the following address:
                  Citicorp, Office of Corporate Finance, 153 East 53rd Street,
                  6th Floor, New York, New York 10043, Attention: Treasurer.

         (b)      The right of the Holders under any debt instrument of AFCC
                  that is outstanding as of the date hereof to claim payment
                  from Citicorp under the Citicorp Guarantee shall rank in
                  priority of payment with Citicorp's other obligations to
                  exactly the same extent that the Obligations of AFCC under
                  such debt instrument rank with AFCC's other obligations if
                  any.

         (c)      The obligations of Citicorp under the Guarantee shall in no
                  way be impaired by: (1) any extension, amendment, modification
                  or renewal of the Obligations; (2) any waiver of any
<PAGE>   3
                  event of default, extension of time or failure to enforce any
                  of the Obligations; or (3) any extension, moratorium or other
                  relief granted to AFCC pursuant to any applicable law or
                  statute.

         (d)      The Guarantee shall be irrevocably valid until, and no claim
                  may be asserted under the Guarantee after, the earliest to
                  occur of: (1) the tenth business day following the maturity
                  date of all the Notes, either upon their respective stated
                  maturities, redemption or otherwise; (2) the date on which
                  AFCC ceases to be a wholly owned subsidiary of Citicorp, as
                  set forth in an Officer's Certificate of Citicorp delivered to
                  the Trustee; and (3) the date on which Citicorp ceases to be a
                  reporting company under the Securities Exchange Act of 1934,
                  as amended, as set forth in an Officer's Certificate of
                  Citicorp delivered to the Trustee.

         (e)      Citicorp shall be obligated to make payment under the
                  Guarantee only by payment to the Trustee, for the benefit of
                  the Holders, at the same address as AFCC is obligated to make
                  payment, provided that such address must be in the United
                  States.

         (f)      Citicorp shall have no obligation to make payment or take
                  action under the Guarantee during any period when payment by
                  AFCC, in accordance with the provisions of the Indenture,
                  would constitute a violation of any applicable laws (other
                  than bankruptcy, liquidation, reorganization or similar laws
                  affecting the enforcement of the rights of creditors
                  generally).

         (g)      Citicorp may assign its obligations under the Guarantee to any
                  of its affiliates, upon providing written notice of such
                  assignment to the Trustee, whereupon such assignee shall be
                  substituted in lieu of Citicorp with respect to the
                  performance of the Obligations theretofore to be performed by
                  Citicorp as described in this Article One.

                                   ARTICLE II

          Section 6.02 (11) of the AFCC Standard Multiple-Series, Indenture
Provisions, which are incorporated by reference in the Indenture, is deleted in
its entirety. The following will be inserted as a new Section 6.04 of the
Standard Multiple-Series Indenture Provisions:

Financial Statements, etc.:

         Beginning with the first November 30 which occurs no less than 60 days
following the first date of issuance of any series of Securities under this
Indenture,

         (a) Citicorp will file with the Trustee within four months after the
close of each fiscal year (which, until Citicorp shall otherwise notify the
Trustee, shall be deemed to be the twelve months ending December 31 in each
year) a consolidated income statement, a consolidated statement of cash flows
and a consolidated balance sheet as of the end of such fiscal year, of Citicorp
and its Subsidiaries, all certified by independent public or certified
accountants selected by Citicorp (who may be the accountants who regularly audit
the books of Citicorp and its Subsidiaries), accompanied by any report or
comments by said accountants made in connection with the certification of such
statements;

                                       2
<PAGE>   4
         (b) Citicorp and the Company will each file with the Trustee
concurrently with the filing of the foregoing financial statements, and not less
often than annually, a certificate of the principal executive officer, the
principal financial officer or the principal accounting officer of Citicorp or
the Company, as the case may be, stating whether or not, to the knowledge of the
signer, Citicorp or the Company, as the case may be, has complied with all
conditions and covenants on its part contained in this Indenture, and if the
signer has obtained knowledge of any default by Citicorp or the Company, as the
case may be, in the performance, observance or fulfillment of any such condition
or covenant, specifying each such default and the nature thereof (provided that,
for purposes of this subsection (b), compliance shall be determined without
regard to any grace period or requirement of notice provided pursuant to the
terms of this Indenture); and

         (c) Citicorp will file with the Trustee concurrently with the filing of
financial statements, a written statement of the firm of public or certified
accountants who shall have certified such financial statements, addressed to
Citicorp, to the effect that in making the audit necessary to said
certification, they have obtained no knowledge of any default which is
continuing at the date of such written statement under the Securities or under
Section 6.02(3), (4), (5), (6) or (12) of this Indenture, except as
specifically indicated, provided, however, that such accountants shall not be
liable to any one by reason of any failure to obtain knowledge of any such
default.

         All of the financial statements required by Section 6.04 to be filed
with the Trustee shall be open to inspection during business hours by Holders of
Securities.

                                   ARTICLE III
                            Miscellaneous Provisions

         SECTION III.1 Execution as Supplemental Indenture. This Supplemental
Indenture is executed and shall be construed as an indenture supplemental to the
Indenture and, as provided in the Indenture, this Supplemental Indenture forms a
part thereof. Except as herein expressly otherwise defined, the use of the terms
and expressions herein is in accordance with the definitions, uses and
constructions contained in the Indenture. Except as expressly amended hereby,
the Indenture shall continue in full force and effect in accordance with the
provisions thereof and the Indenture is in all respects hereby ratified and
confirmed.

         SECTION III.2 Responsibility for Recitals, etc. The recitals herein and
in the Notes (except in the Trustee's certificate of authentication) shall be
taken as the statements of AFCC, and the Trustee assumes no responsibility for
the correctness thereof. The Trustee makes no representations as to the validity
or sufficiency of this Supplemental Indenture or of the Notes. The Trustee makes
no undertakings or representations in respect of, and shall not be responsible
in any manner whatsoever for and in respect of, the validity or sufficiency of
this Supplemental Indenture or the proper authorization or the due execution
hereof by AFCC or for or in respect of the recitals and statements contained
herein, all of which recitals and statements are made solely by AFCC.

         SECTION III.3 Provisions Binding on AFCC's Successors. All of the
covenants, stipulations, premises and agreements made in this Supplemental
Indenture by AFCC and Citicorp shall bind their respective successors and
assigns whether so expressed or not.

                                       3
<PAGE>   5
         SECTION III.4 New York Contract. This Supplemental Indenture shall be
deemed to be a contract made under the laws of the State of New York and for all
purposes shall be construed in accordance with the laws of said State.

         SECTION III.5 Execution and Counterparts. This Supplemental Indenture
may be executed in any number of counterparts, each of which when so executed
shall be deemed to be an original, but all such counterparts shall together
constitute but one and the same instrument.

                                       4
<PAGE>   6
         IN WITNESS WHEREOF, the parties hereto have caused this Supplemental
Indenture to be duly executed, and their respective corporate seals to be
hereunto affixed and attested, all as of the day and year first above written.

                                            ASSOCIATES FIRST CAPITAL CORPORATION

                                            By: /s/ Frederic C. Liskow
                                               ---------------------------------
                                               Name: Frederic C. Liskow
                                               Title: Vice President

ATTEST:

By: /s/ Michael J. Forde
   ---------------------------------
   Name: Michael J. Forde
   Title: Vice President

                                            CITICORP, as Guarantor

                                            By: /s/ Gregory C. Ehlke
                                               ---------------------------------
                                               Name: Gregory C. Ehlke
                                               Title: Vice President

ATTEST:

By: /s/ Kenneth S. Cohen
   ---------------------------------
   Name: Kenneth S. Cohen
   Title: Assistant Secretary

                                            THE CHASE MANHATTAN BANK, as Trustee

                                            By: /s/ Robert S. Peschler
                                               ---------------------------------
                                               Name: Robert S. Peschler
                                               Title: Assistant Vice President

ATTEST:

By: /s/ William G. Keenan
   ---------------------------------
   Name: William G. Keenan
   Title:  Assistant Vice President
<PAGE>   7
STATE OF Texas     )
                   )  ss.:
COUNTY OF Dallas   )

         On this 30th day of November, 2000 before me personally came Frederic
C. Liskow, to me personally known, who, being by me duly sworn, did depose and
say that he resides in Dallas, Texas, that he is the Vice President of
Associates First Capital Corporation, one of the corporations described in and
which executed the above instrument, that he knows the corporate seal of said
corporation, that the seal affixed to said instrument is such corporate seal,
that it was so affixed by authority of the Board of Directors of said
corporation, and that he signed his name thereto by like authority.

[NOTARIAL SEAL]

                                               /s/ Karen Robb
                                              ----------------------------------
                                              Notary Public

STATE OF New York  )
                   )  ss.:
COUNTY OF New York )

         On this 1st day of December, 2000 before me personally came Gregory C.
Ehlke, to me personally known, who, being by me duly sworn, did depose and say
that he resides in Ossining, New York, that he is an Assistant Treasurer of
Citicorp, one of the corporations described in and which executed the above
instrument, that he knows the corporate seal of said corporation, that the seal
affixed to said instrument is such corporate seal, that it was so affixed by
authority of the Board of Directors of said corporation, and that he signed his
name thereto by like authority.

[NOTARIAL SEAL]

                                               /s/ Craig Barrack
                                              ----------------------------------
                                              Notary Public

STATE OF New York  )
                   )  ss.:
COUNTY OF New York )

         On this 29th day of November, 2000 before me personally came Robert S.
Peschler, to me personally known, who, being by me duly sworn, did depose and
say that he resides in Little Silver, New Jersey, that he is an Assistant Vice
President of The Chase Manhattan Bank, one of the corporations described in and
which executed the above instrument, that he knows the corporate seal of said
corporation, that the seal affixed to said instrument is such corporate seal,
that it was so affixed by authority of the Board of Directors of said
corporation, and that he signed his name thereto by like authority.

[NOTARIAL SEAL]
                                               /s/ Annabelle DeLuca
                                              ----------------------------------
                                              Notary Public<PAGE>   1
                                                                     Exhibit 4.4

                    ASSOCIATES CORPORATION OF NORTH AMERICA,

                                    CITICORP,

                                            AS GUARANTOR

                                       AND

                            THE CHASE MANHATTAN BANK
         (successor to The Chase Manhattan Bank (National Association)),

                                            AS TRUSTEE

                          Fourth Supplemental Indenture

                          Dated as of December 1, 2000

                                  to Indenture

                          Dated as of November 1, 1995
<PAGE>   2
         THIS FOURTH SUPPLEMENTAL INDENTURE dated as of December 1, 2000 (the
"Supplemental Indenture"), by and among Associates Corporation of North America,
a corporation organized and existing under the laws of the State of Delaware
("ACONA"), Citicorp, a corporation organized and existing under the laws of the
State of Delaware, as guarantor, and The Chase Manhattan Bank (successor to The
Chase Manhattan Bank (National Association)), a New York banking corporation, as
trustee (the "Trustee");

         WHEREAS, ACONA has heretofore executed and delivered to the Trustee an
indenture dated as of November 1, 1995 (the "Indenture"), providing for the
issuance by ACONA from time to time of its senior securities;

         WHEREAS, on the date hereof, ACONA will become an indirect wholly owned
subsidiary of Citicorp;

         WHEREAS, Citicorp desires to fully and unconditionally guarantee the
payment obligations of ACONA with respect to ACONA's issued and outstanding
senior securities under the Indenture (the "Notes") as long as ACONA remains an
indirect wholly owned subsidiary of Citicorp and the Notes remain outstanding;
and

         WHEREAS, the execution of the Supplemental Indenture is authorized and
permitted by Section 12.01(c) of the Indenture and all conditions precedent
provided for in the Indenture relating to the execution of the Supplemental
Indenture have been complied with;

         NOW, THEREFORE, THIS SUPPLEMENTAL INDENTURE WITNESSETH: That in order
to effectuate the guarantee described in the preceding paragraph, Citicorp
agrees with the Trustee, for the equal and proportionate benefit of the
respective Holders from time to time of the Notes (the "Holders"), as follows:

                                    ARTICLE I
                                    Guarantee

                  Citicorp does hereby fully and unconditionally guarantee (the
"Guarantee") to the Holders the due and punctual payment of the principal of and
interest on all the Notes, according to their tenor, and the performance of
every covenant of the Indenture on the part of ACONA to be performed or observed
(the "Obligations") in accordance with the provisions of the Indenture, as
supplemented, as provided below:

         (a)      Notice of acceptance of the Guarantee and of default of
                  performance by ACONA is expressly waived, and payment under
                  the Guarantee shall be subject to no condition other than the
                  giving of a written request for payment in accordance with the
                  provisions of the Indenture, stating the fact of default of
                  performance, mailed to Citicorp at the following address:
                  Citicorp, Office of Corporate Finance, 153 East 53rd Street,
                  6th Floor, New York, New York 10043, Attention: Treasurer.

         (b)      The right of the Holders under any debt instrument of ACONA
                  that is outstanding as of the date hereof to claim payment
                  from Citicorp under the Citicorp Guarantee shall rank in
                  priority of payment with Citicorp's other obligations to
                  exactly the same extent that the
<PAGE>   3
                  Obligations of ACONA under such debt instrument rank with
                  ACONA's other obligations if any.

         (c)      The obligations of Citicorp under the Guarantee shall in no
                  way be impaired by: (1) any extension, amendment, modification
                  or renewal of the Obligations; (2) any waiver of any event of
                  default, extension of time or failure to enforce any of the
                  Obligations; or (3) any extension, moratorium or other relief
                  granted to ACONA pursuant to any applicable law or statute.

         (d)      The Guarantee shall be irrevocably valid until, and no claim
                  may be asserted under the Guarantee after, the earliest to
                  occur of: (1) the tenth business day following the maturity
                  date of all the Notes, either upon their respective stated
                  maturities, redemption or otherwise; (2) the date on which
                  ACONA ceases to be an indirect wholly owned subsidiary of
                  Citicorp, as set forth in an Officer's Certificate of Citicorp
                  delivered to the Trustee; and (3) the date on which Citicorp
                  ceases to be a reporting company under the Securities Exchange
                  Act of 1934, as amended, as set forth in an Officer's
                  Certificate of Citicorp delivered to the Trustee.

         (e)      Citicorp shall be obligated to make payment under the
                  Guarantee only by payment to the Trustee, for the benefit of
                  the Holders, at the same address as ACONA is obligated to make
                  payment, provided that such address must be in the United
                  States.

         (f)      Citicorp shall have no obligation to make payment or take
                  action under the Guarantee during any period when payment by
                  ACONA, in accordance with the provisions of the Indenture,
                  would constitute a violation of any applicable laws (other
                  than bankruptcy, liquidation, reorganization or similar laws
                  affecting the enforcement of the rights of creditors
                  generally).

         (g)      Citicorp may assign its obligations under the Guarantee to any
                  of its affiliates, upon providing written notice of such
                  assignment to the Trustee, whereupon such assignee shall be
                  substituted in lieu of Citicorp with respect to the
                  performance of the Obligations theretofore to be performed by
                  Citicorp as described in this Article One.

                                   ARTICLE II

         Section 6.02(11) of the ACONA Standard Multiple-Series, Indenture
Provisions, which are incorporated by reference in the Indenture, is deleted in
its entirety. The following will be inserted as a new Section 6.04 of the
Standard Multiple-Series Indenture Provisions:

Financial Statements, etc.:

         Beginning with the first November 30 which occurs no less than 60 days
following the first date of issuance of any series of Securities under this
Indenture,

         (a) Citicorp will file with the Trustee within four months after the
close of each fiscal year (which, until Citicorp shall otherwise notify the
Trustee, shall be deemed to be the twelve months ending December 31 in each
year) a consolidated income statement, a consolidated statement of cash flows
and a consolidated balance sheet as of the end of such fiscal year, of Citicorp
and its Subsidiaries, all certified by

                                       2
<PAGE>   4
independent public or certified accountants selected by Citicorp (who may be the
accountants who regularly audit the books of Citicorp and its Subsidiaries),
accompanied by any report or comments by said accountants made in connection
with the certification of such statements;

         (b) Citicorp and the Company will each file with the Trustee
concurrently with the filing of the foregoing financial statements, and not less
often than annually, a certificate of the principal executive officer, the
principal financial officer or the principal accounting officer of Citicorp or
the Company, as the case may be, stating whether or not, to the knowledge of the
signer, Citicorp or the Company, as the case may be, has complied with all
conditions and covenants on its part contained in this Indenture, and if the
signer has obtained knowledge of any default by Citicorp or the Company, as the
case may be, in the performance, observance or fulfillment of any such condition
or covenant, specifying each such default and the nature thereof (provided that,
for purposes of this subsection (b), compliance shall be determined without
regard to any grace period or requirement of notice provided pursuant to the
terms of this Indenture); and

         (c) Citicorp will file with the Trustee concurrently with the filing of
financial statements, a written statement of the firm of public or certified
accountants who shall have certified such financial statements, addressed to
Citicorp, to the effect that in making the audit necessary to said
certification, they have obtained no knowledge of any default which is
continuing at the date of such written statement under the Securities or under
Section 6.02(3), (4), (5), (6) or (12) of this Indenture, except as
specifically indicated, provided, however, that such accountants shall not be
liable to any one by reason of any failure to obtain knowledge of any such
default.

         All of the financial statements required by Section 6.04 to be filed
with the Trustee shall be open to inspection during business hours by Holders of
Securities.

                                   ARTICLE III
                            Miscellaneous Provisions

         SECTION III.1 Execution as Supplemental Indenture. This Supplemental
Indenture is executed and shall be construed as an indenture supplemental to the
Indenture and, as provided in the Indenture, this Supplemental Indenture forms a
part thereof. Except as herein expressly otherwise defined, the use of the terms
and expressions herein is in accordance with the definitions, uses and
constructions contained in the Indenture. Except as expressly amended hereby,
the Indenture shall continue in full force and effect in accordance with the
provisions thereof and the Indenture is in all respects hereby ratified and
confirmed.

         SECTION III.2 Responsibility for Recitals, etc. The recitals herein and
in the Notes (except in the Trustee's certificate of authentication) shall be
taken as the statements of ACONA, and the Trustee assumes no responsibility for
the correctness thereof. The Trustee makes no representations as to the validity
or sufficiency of this Supplemental Indenture or of the Notes. The Trustee makes
no undertakings or representations in respect of, and shall not be responsible
in any manner whatsoever for and in respect of, the validity or sufficiency of
this Supplemental Indenture or the proper authorization or the due execution
hereof by ACONA or for or in respect of the recitals and statements contained
herein, all of which recitals and statements are made solely by ACONA.

                                       3
<PAGE>   5
         SECTION III.3 Provisions Binding on ACONA's Successors. All of the
covenants, stipulations, premises and agreements made in this Supplemental
Indenture by ACONA and Citicorp shall bind their respective successors and
assigns whether so expressed or not.

         SECTION III.4 New York Contract. This Supplemental Indenture shall be
deemed to be a contract made under the laws of the State of New York and for all
purposes shall be construed in accordance with the laws of said State.

         SECTION III.5 Execution and Counterparts. This Supplemental Indenture
may be executed in any number of counterparts, each of which when so executed
shall be deemed to be an original, but all such counterparts shall together
constitute but one and the same instrument.

                                       4
<PAGE>   6
         IN WITNESS WHEREOF, the parties hereto have caused this Supplemental
Indenture to be duly executed, and their respective corporate seals to be
hereunto affixed and attested, all as of the day and year first above written.

                                        ASSOCIATES CORPORATION OF NORTH AMERICA

                                        By: /s/ Frederic C. Liskow
                                           -------------------------------------
                                           Name: Frederic C. Liskow
                                           Title: Vice President

ATTEST:

By: /s/ Michael J. Forde
   -----------------------------
   Name: Michael J. Forde
   Title: Vice President

                                        CITICORP, as Guarantor

                                        By: /s/ Gregory C. Ehlke
                                           -------------------------------------
                                           Name: Gregory C. Ehlke
                                           Title: Vice President

ATTEST:

By: /s/ Kenneth S. Cohen
   -----------------------------
   Name: Kenneth S. Cohen
   Title: Assistant Secretary

                                        THE CHASE MANHATTAN BANK (successor to
                                        The Chase Manhattan Bank (National
                                        Association)), as Trustee

                                        By: /s/ Natalie B. Pesce
                                           -------------------------------------
                                           Name: Natalie B. Pesce
                                           Title: Trust Officer

ATTEST:

By: /s/ Walter I. Johnson III
   -----------------------------
   Name: Walter I. Johnson III
   Title: Assistant Treasurer
<PAGE>   7
STATE OF Texas      )
                    )  ss.:
COUNTY OF Dallas    )

         On this 30th day of November, 2000, before me personally came Frederic
C. Liskow, to me personally known, who, being by me duly sworn, did depose and
say that he resides in Dallas,Texas, that he is the Vice President Associates
Corporation of North America, one of the corporations described in and which
executed the above instrument, that he knows the corporate seal of said
corporation, that the seal affixed to said instrument is such corporate seal,
that it was so affixed by authority of the Board of Directors of said
corporation, and that he signed his name thereto by like authority.

[NOTARIAL SEAL]

                                               /s/ Karen Robb
                                              ----------------------------------
                                              Notary Public

STATE OF New York   )
                    )  ss.:
COUNTY OF New York  )

         On this 1st day of December, 2000 before me personally came Gregory C.
Ehlke, to me personally known, who, being by me duly sworn, did depose and say
that he resides in Ossining, New York, that he is an Assistant Treasurer of
Citicorp, one of the corporations described in and which executed the above
instrument, that he knows the corporate seal of said corporation, that the seal
affixed to said instrument is such corporate seal, that it was so affixed by
authority of the Board of Directors of said corporation, and that he signed his
name thereto by like authority.

[NOTARIAL SEAL]

                                               /s/ Craig Barrack
                                              ----------------------------------
                                              Notary Public

STATE OF New York   )
                    )  ss.:
COUNTY OF New York  )

         On this 21st day of November, 2000, before me personally came Natalie
Pesce, to me personally known, who, being by me duly sworn, did depose and say
that she resides in Lynbrook, New York, that she is a Trust Officer of The Chase
Manhattan Bank (successor to The Chase Manhattan Bank (National Association)),
one of the corporations described in and which executed the above instrument,
that she knows the corporate seal of said corporation, that the seal affixed to
said instrument is such corporate seal, that it was so affixed by authority of
the Board of Directors of said corporation, and that she signed her name thereto
by like authority.

[NOTARIAL SEAL]

                                              /s/ Robert S. Peschler
                                              ----------------------------------
                                              Notary Public

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