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EXHIBIT 4.1

                       THIRD AMENDMENT TO RIGHTS AGREEMENT

1.   General Background. In accordance with Section 27 of the Rights Agreement
     between Fleet National Bank (the "Rights Agent") and ProLogis Trust
     ("ProLogis") dated December 31, 1993, as amended (the "Agreement"), the
     Rights Agent and ProLogis Trust, desire to amend the Agreement to appoint
     EquiServe Trust Company, N.A.

2.   Effectiveness.  This  Amendment  shall be  effective as of October 11, 2001
     (the  "Amendment")  and all defined terms and  definitions in the Agreement
     shall be the same in the Amendment  except as  specifically  revised by the
     Amendment.

3.   Revision. The section in the Agreement entitled "Change of Rights Agent" is
     hereby deleted in its entirety and replaced with the following:

     Change of Rights Agent. The Rights Agent or any successor Rights Agent may
     resign and be discharged from its duties under this Agreement upon 30 days'
     notice in writing mailed to the Trust and to each transfer agent of the
     Common Shares or Preferred Shares by registered or certified mail and to
     the holders of the Right Certificates by first-class mail. The Trust may
     remove the Rights Agent or any successor Rights Agent upon 30 days' notice
     in writing mailed to the Rights Agent or successor Rights Agent, as the
     case may be, and to each transfer agent of the Trust Shares or Preferred
     Shares by registered or certified mail, and to the holders of the Right
     Certificates by first-class mail. If the Rights Agent shall resign or be
     removed or shall otherwise become incapable of acting, the Trust shall
     appoint a successor to the Rights Agent. If the Trust shall fail to make
     such appointment within a period of 30 days after giving notice of such
     removal or after it has been notified in writing of such resignation or
     incapacity by the resigning or incapacitated rights Agent or by the holder
     of a Right Certificate (who shall, with such notice, submit such holder's
     Right Certificate for inspection by the Trust), then the registered holder
     of any Right Certificate may apply to any court of competent jurisdiction
     for the appointment of a new Rights Agent. Any successor Rights Agent,
     whether appointed by the Trust or by such a court, shall be a corporation
     or trust company organized and doing business under the laws of the United
     States, in good standing, which is authorized under such laws to exercise
     corporate trust or stock transfer powers and is subject to supervision or
     examination by federal or state authority and which has individually or
     combined with an affiliate at the time of its appointment as Rights Agent a
     combined capital and surplus of at least $100 million dollars. After
     appointment, the successor Rights Agent shall be vested with the same
     powers, rights, duties and responsibilities as if it had been originally
     named as Rights Agent without further act or deed; but the predecessor
     Rights Agent shall deliver and transfer to the successor Rights Agent any
     property at the time held by it hereunder, and execute and deliver any
     further assurance, conveyance, act or deed necessary for the purpose. Not
     later than the effective date of any such appointment the Trust shall file
     notice thereof in writing with the predecessor Rights Agent and each
     transfer agent of the Common Shares or Preferred Shares, and mail a notice
     thereof in writing to the registered holders of the Right Certificates.
     Failure to give any notice provided for in this Section 21, however, or any
     defect therein, shall not affect the legality or validity of the
     resignation or removal of the Rights Agent or the appointment of the
     successor Rights Agent, as the case may be.

4.   Except as amended  hereby,  the  Agreement  and all  schedules  or exhibits
     thereto shall remain in full force and effect.

     IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed in their names and on their behalf by and through their duly authorized
officers, as of this 11th day of October, 2001.

ProLogis Trust                           Fleet National Bank

s/signature                              s/signature
-----------------------------------      -----------------------------------
By:      Edward S. Nekritz               By:      Tyler H. Haynes
Title:   Senior Vice President                    Title:   Managing Director
         and Secretary

                                         EquiServe Trust Company, N.A.

                                         s/signature
                                         ----------------------------------
                                         By:      Tyler H. Haynes
                                                  Title:   Managing DirectorExhibit 4.1

                              AMENDMENT NUMBER 5 TO
                               SECURITY AGREEMENT

     AMENDMENT NUMBER 5 TO SECURITY  AGREEMENT (this  "Amendment"),  dated as of
September 30, 2001 by and among UNION ACCEPTANCE FUNDING CORPORATION, an Indiana
corporation,  as seller (in such capacity, the "Seller"),  UAFC-l CORPORATION, a
Delaware  corporation,  as  debtor  (in  such  capacity,  the  "Debtor"),  UNION
ACCEPTANCE CORPORATION, an Indiana corporation ("UAC"),  individually and in its
capacity  as  collection  agent  (in such  capacity,  the  "Collection  Agent"),
ENTERPRISE FUNDING CORPORATION, a Delaware corporation (the "Company"), and BANK
OF  AMERICA,   N.A.,  a  national  banking   association  ("Bank  of  America"),
individually  and as  collateral  agent and agent for the  Company  and the Bank
Investors,  and as  administrative  agent (in such  capacities,  the "Collateral
Agent", the "Agent" and the "Administrative Agent",  respectively) amending that
certain Security Agreement dated as of May 25, 2000 (the "Security Agreement").

     WHEREAS,  the parties hereto mutually desire to make certain  amendments to
the Security Agreement as hereinafter set forth.

     NOW, THEREFORE, the parties hereby agree as follows:

     SECTION  1.  Defined  Terms.  As used  in this  Amendment,  and  except  as
otherwise  provided  in this  Section 1,  capitalized  terms shall have the same
meanings assigned thereto in the Security Agreement.

     Exhibit  C  of  the  Security  Agreement  is  hereby  amended  by  deleting
subsection  (a) and  replacing  it with the  following  (solely for  convenience
changed language is italicized):

     "(a) permit its Tangible Net Worth to be less than, at any time, the sum of
          (x)  $160,000,000,  plus (y) one  hundred  percent  (100%)  of the net
          proceeds  of any equity  offering  by the  Collection  Agent  (whether
          public or private) which occurs subsequent to September 30, 2001, plus
          (z) eighty  percent (80%) of Net Income for the period from October 1,
          2001 through the date of determination;  provided that for purposes of
          calculating  the Collection  Agent's  Tangible Net Worth,  in no event
          shall the Collection Agent's Net Income be less than zero."

     SECTION  2.  Representations  and  Warranties.  Each of the  Debtor and the
Collection   Agent,   represent   and  warrant   that  all  of  its   respective
representations and warranties described in Sections 3.1 and 3.2 of the Security
Agreement are true and correct as of the date hereof as if such  representations
and warranties were recited herein in their entirety.

     SECTION 3. Payment of  Expenses.  The Debtor  agrees to pay any  reasonable
attorney's  fees  and  expenses  of  the  Agent,   the  Collateral   Agent,  the
Administrative  Agent  and the  Company  in  connection  with  the  preparation,
execution and delivery of this Amendment.

     SECTION 4. Limited Scope.  This amendment is specific to the  circumstances
described  above  and does not imply any  future  amendment  or waiver of rights
allocated to the Debtor,  the Collection  Agent, the Agent,  the  Administrative
Agent or the Collateral Agent under the Security Agreement.

     SECTION 5. Governing Law. THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED
IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK.

     SECTION 6.  Severability;  Counterparts.  This Amendment may be executed in
any  number  of  counterparts  and  by  different  parties  hereto  in  separate
counterparts,  each of which when so executed  shall be deemed to be an original
and all of  which  when  taken  together  shall  constitute  one  and  the  same
instrument.   Any  provisions  of  this   Amendment   which  are  prohibited  or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of such prohibition or unenforceability  without  invalidating the
remaining provisions hereof, and any such prohibition or unenforceability in any
jurisdiction shall not invalidate or render  unenforceable such provision in any
other jurisdiction.

     SECTION 7.  Ratification.  Except as expressly  affected by the  provisions
hereof,  the Security Agreement as amended shall remain in full force and effect
in accordance  with its terms and ratified and confirmed by the parties  hereto.
On and after the date hereof,  each reference in the Security Agreement to "this
Agreement",  "hereunder",  "herein" or words of like import  shall mean and be a
reference to the Security Agreement as amended by this Amendment.

<PAGE>

     IN WITNESS  WHEREOF,  the parties  hereto have executed and delivered  this
Amendment Number 5 as of the date first written above.

                                  ENTERPRISE FUNDING CORPORATION,
                                  as Company

                                  By: /s/ Tony Wong
                                      ------------------------------------------
                                      Tony Wong
                                      Vice President

                                  UAFC-l CORPORATION, as Debtor

                                  By: /s/ Leeanne W. Graziani
                                      ------------------------------------------
                                      Leeanne W. Graziani
                                      President

                                  UNION ACCEPTANCE FUNDING CORPORATION,
                                        as Seller

                                  By: /s/ Rick A. Brown
                                      ------------------------------------------
                                      Rick A. Brown
                                      Title:

                                  UNION ACCEPTANCE CORPORATION,
                                        individually and as Collection Agent

                                  By: /s/ Melanie S. Otto
                                      ------------------------------------------
                                      Melanie S. Otto
                                      Title:

                                  BANK  OF  AMERICA,   N.A.,
                                        individually and as Collateral Agent,
                                        Administrative Agent, Agent
                                        and Bank Investor

                                  By: /s/ Christopher G. Young
                                      ------------------------------------------
                                      Christopher G. Young
                                      Vice President

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