Document:

Form of Note Linked to the Dow Jones Industrial Average

 Exhibit 4.1 
  

[Face of Note] 
  
 Unless this certificate is presented by an authorized representative of The Depository Trust Company, a New York corporation (“DTC”), to the
Company or its agent for registration of transfer, exchange or payment, and any certificate issued is registered in the name of Cede & Co. or in such other name as requested by an authorized representative of DTC (and any payment is made to Cede
& Co. or such other entity as is requested by an authorized representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the registered owner hereof, Cede & Co., has an
interest herein. 
  

					
	 CUSIP NO. 949746 JC 6
	 	 	 	FACE AMOUNT: $                    
	 REGISTERED NO. 1
	 	 	 	 

  
 WELLS FARGO &
COMPANY 
  
 Notes Linked to the Dow Jones Industrial
AverageSM due September 8, 2010 
  
 WELLS FARGO & COMPANY, a corporation duly organized and existing under the laws of the State of Delaware (hereinafter
called 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, an amount equal to the Maturity Payment
Amount (as defined below), in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts, on the Stated Maturity Date (as defined below). This Security shall not bear any
interest. 
  
 Any payments on this Security at Maturity will be
made against presentation of this Security at the office or agency of the Company maintained for that purpose in the City of Minneapolis, Minnesota. 

  
 “Dow Jones” and “Dow Jones Industrial Average” are
servicemarks of Dow Jones & Company, Inc. (“Dow Jones”, which term, as used herein, includes its successors) and have been licensed for use for certain purposes by the Company. This Security, based on the performance of the Dow Jones
Industrial Average, is not sponsored, endorsed, sold or promoted by Dow Jones, and Dow Jones makes no representation regarding the advisability of investing in this Security. 
  

 Determination of Maturity Payment Amount 
  
 “Maturity Payment Amount” shall mean, for each $1,000 Face Amount of this Security: 
  

	 	•	if the Final Index Level is greater than the Initial Index Level, $1,000 plus the Additional Amount; 

  

	 	•	if the Final Index Level is the same as the Initial Index Level or is at least 75% of the Initial Index Level, $1,000; and 

  

	 	•	if the Final Index Level is less than 75% of the Initial Index Level, $1,000 minus the product of: 

  
  

											
	 •
	 	  $1,000; and	 	 	 	 
						
	                      •
	 	 	 	[	 	Initial Index Level – Final Index Level	 	]	 	- .25
	 	 	 	Initial Index Level	 	 

  
 The “Initial
Stated Maturity Date” for this Security will be September 8, 2010. If no Market Disruption Event occurs or is continuing during the period beginning on and including the fourth Trading Day before the Initial Stated Maturity Date to and
including the second Trading Day before the Initial Stated Maturity Date, the Initial Stated Maturity Date will be the “Stated Maturity Date” for this Security. If a Market Disruption Event occurs or is continuing such that one or more of
such Trading Days is not a Calculation Day, the “Stated Maturity Date” for this Security will be two Business Days after the final day of the Calculation Period. 
  
 Set forth below are certain defined terms used in this Security in connection with the determination of the Maturity Payment
Amount and the Stated Maturity Date. 
  
 “Additional
Amount” shall mean, for each $1,000 Face Amount of this Security, an amount equal to the product of: 
  

	 	•	$1,000; 

  

	 	•	Participation Rate; and 

  

	 	•	Final Index Level – Initial Index Level 

 Initial Index Level 
  
 “Business Day” shall mean a day other than a Saturday, a Sunday or any other day on which banking institutions in Minneapolis, Minnesota or New York, New York are authorized or required by law or executive order to remain
closed. 
  
 “Calculation Agency Agreement” shall mean
the Calculation Agency Agreement dated as of September 8, 2004 between the Company and the Calculation Agent, as amended from time to time. 
  

 2 

 “Calculation Agent” shall mean the Person that has entered into the Calculation Agency
Agreement with the Company providing for, among other things, the determination of the Final Index Level, the Additional Amount, if any, and the Maturity Payment Amount, which term shall, unless the context otherwise requires, include its successors
under such Calculation Agency Agreement. The initial Calculation Agent shall be Wells Fargo Securities, LLC. Pursuant to the Calculation Agency Agreement, the Company may appoint a different Calculation Agent from time to time after the initial
issuance of the Securities of this series without the consent of the Holders of the Securities of this series and without notifying the Holders of the Securities of this series. 
  
 “Calculation Day” shall mean any Trading Day on which a Market Disruption Event has not occurred. 
  
 “Calculation Period” shall mean the period of three Calculation
Days beginning on and including the fourth Trading Day before the Initial Stated Maturity Date to and including the second Trading Day before the Initial Stated Maturity Date; provided, however, that if one or more of such Trading Days is not
a Calculation Day, the Calculation Period shall be extended to such date as is necessary so that the Calculation Period consists of three Calculation Days. 
  
 “Closing Level” shall mean, on any date, the last reported level of the Dow Jones Industrial Average at 4:00 p.m., New York City time, on such
date; provided, however, that in the event that Dow Jones discontinues publication of the Dow Jones Industrial Average, the Closing Level will be determined in the manner set forth in this Security under “Discontinuance Of The Dow Jones
Industrial Average; Alteration Of Method Of Calculation.” 
  
 “Dow Jones Industrial Average” shall mean the Dow Jones Industrial Average as calculated by Dow Jones. 
  
 “Face Amount” shall mean, when used with respect to any Security or Securities of this series, the amount set forth on the face of such Security
or Securities as its or their “Face Amount.” 
  
 “Final Index Level” shall be determined by the Calculation Agent and shall equal the average (i.e., arithmetic mean) of the Closing Levels of the Dow Jones Industrial Average determined on each of the three Calculation Days during
the Calculation Period. 
  
 “Initial Index Level” shall
mean 10173.92. 
  
 A “Market Disruption Event” with
respect to the Dow Jones Industrial Average will occur on any day if the Calculation Agent determines any of the following: 
  

	 	•	A material suspension or material limitation of trading in 20% or more of the underlying stocks which comprise the Dow Jones Industrial Average or any successor index has occurred
on that day, in each case during the one-half hour period preceding the close of trading on the primary organized U.S. exchange or trading system on which those stocks are traded or, in the case of a common stock not listed 

 

 3 

 or quoted in the United States, on the primary non-U.S. exchange, trading system or market for that
security. Limitations on trading during significant market fluctuations imposed pursuant to the rules of any primary organized U.S. exchange or trading system similar to New York Stock Exchange Rule 80B or any applicable rule or regulation enacted
or promulgated by The New York Stock Exchange, any other exchange, trading system or market, any other self regulatory organization or the Securities and Exchange Commission of similar scope or as a replacement for Rule 80B, may be considered
material. A “trading system” includes bulletin board services. 
  

	 	•	A material suspension or material limitation has occurred on that day, in each case during the one-half hour period preceding the close of trading in options or futures contracts
related to the Dow Jones Industrial Average or any successor index, whether by reason of movements in price exceeding levels permitted by an exchange, trading system or market on which those options or futures contracts are traded or otherwise.

  

	 	•	Information is unavailable on that date, through a recognized system of public dissemination of transaction information, during the one-half hour period preceding the close of
trading, of accurate price, volume or related information in respect of 20% or more of the underlying stocks which comprise the Dow Jones Industrial Average or any successor index or in respect of options or futures contracts related to the Dow
Jones Industrial Average or any successor index, in each case traded on any major U.S. exchange or trading system or, in the case of securities of a non-U.S. issuer, traded on the primary non-U.S. exchange, trading system or market for that
security. 

  
 For purposes of determining whether a Market
Disruption Event has occurred: 
  

	 	•	a limitation on the hours or number of days of trading will not constitute a Market Disruption Event if it results from an announced change in the regular business hours of the
relevant exchange, trading system or market; and 

  

	 	•	close of trading means 4:00 p.m., New York City time. 

  
 “Participation Rate” shall mean 0.91. 
  
 “Trading Day” shall mean each Monday, Tuesday, Wednesday, Thursday and Friday that is a day on which The New York Stock Exchange, The Nasdaq
National Market and The American Stock Exchange are open for trading. 
  
 Discontinuance Of The Dow Jones Industrial Average; Alteration Of Method Of Calculation 
  
 If Dow Jones discontinues publication of the Dow Jones Industrial Average and Dow Jones or another entity publishes a successor or substitute index that
the Calculation Agent determines, in its sole discretion, to be comparable to the discontinued Dow Jones Industrial 
  

 4 

 Average, then any subsequent Closing Level will be determined by reference to the level of such successor or substitute
index (in any such case, a “successor index”) at 4:00 p.m., New York City time, on the date that any Closing Level is to be determined. 
  
 Upon any selection by the Calculation Agent of a successor index, the Company will promptly give notice to the Holders of the Securities of this series.

  
 If Dow Jones discontinues publication of the Dow Jones
Industrial Average prior to, and such discontinuance is continuing on, the date that any Closing Level is to be determined and the Calculation Agent determines that no successor index is available at such time, then, on such date, the Calculation
Agent will determine the Closing Level to be used in computing the Final Index Level. The Closing Level will be computed by the Calculation Agent in accordance with the formula for and method of calculating the Dow Jones Industrial Average last in
effect prior to such discontinuance, using the Closing Price (or, if trading in the relevant securities has been materially suspended or materially limited, its good faith estimate of the Closing Price that would have prevailed but for such
suspension or limitation) at the close of the principal trading session on such date of each security most recently comprising the Dow Jones Industrial Average on the primary organized exchange or trading system. “Closing Price” means,
with respect to any security on any date, the last reported sales price regular way on such date or, in case no such reported sale takes place on such date, the average of the reported closing bid and asked prices regular way on such date, in either
case on the primary organized exchange or trading system on which such security is then listed or admitted to trading. 
  
 If a successor index is selected or the Calculation Agent calculates a Closing Level as a substitute for the Dow Jones Industrial Average, such successor
index or Closing Level will be used as a substitute for the Dow Jones Industrial Average for all purposes, including for purposes of determining whether a Market Disruption Event exists. 
  
 If the method of calculating the Dow Jones Industrial Average or a successor index, or its Closing Level, is changed in a
material respect, or if the Dow Jones Industrial Average or a successor index is in any other way modified so that such index does not, in the opinion of the Calculation Agent, fairly represent the level of the Dow Jones Industrial Average or such
successor index had such changes or modifications not been made, then the Calculation Agent will, at the close of business in New York City on the date that the Closing Level is to be determined, make such calculations and adjustments as, in the
good faith judgment of the Calculation Agent, may be necessary in order to arrive at a level of a stock index comparable to the Dow Jones Industrial Average or such successor index, as the case may be, as if such changes or modifications had not
been made. The Calculation Agent will calculate the Closing Level and the Final Index Level with reference to the Dow Jones Industrial Average or such successor index, as adjusted. Accordingly, if the method of calculating the Dow Jones Industrial
Average or a successor index is modified so that the level of such index is a fraction of what it would have been if it had not been modified (for example, due to a split in the index), then the Calculation Agent will adjust such index in order to
arrive at a level of the Dow Jones Industrial Average or such successor index as if it had not been modified (for example, as if such split had not occurred). 
  

 5 

 Calculation Agent 
  
 The Calculation Agent will determine the Maturity Payment Amount. In addition, the Calculation Agent will (i) determine if adjustments are required to the
Closing Level under the circumstances described in this Security, (ii) if publication of the Dow Jones Industrial Average is discontinued, select a successor index or, if no successor index is available, determine the Closing Levels under the
circumstances described in this Security and (iii) determine whether a Market Disruption Event has occurred. 
  
 The Company covenants that, so long as any of the Securities of this series are Outstanding, there shall at all times be a Calculation Agent (which shall
be a broker-dealer, bank or other financial institution) with respect to the Securities of this series. 
  
 All determinations made by the Calculation Agent with respect to the Securities of this series will be at the sole discretion of the Calculation Agent
and, in the absence of manifest error, will be conclusive for all purposes and binding on the Company and the Holders of the Securities of this series. All percentages and other amounts resulting from any calculation with respect to the Securities
of this series will be rounded at the Calculation Agent’s discretion. 
  
 Reference is hereby made to the further provisions of this Security set forth on the reverse hereof, 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 referred to on the reverse hereof by manual signature or its duly authorized agent under the Indenture referred to on the reverse hereof by manual signature, this Security shall not be entitled to any benefit under the Indenture or be valid
or obligatory for any purpose. 
  

 6 

 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed under its corporate
seal. 
  
 DATED:
                     
  

			
	 WELLS FARGO & COMPANY
  

	 By:
	 	  

	 	 	Howard I. Atkins
	 Its:
	 	Executive Vice President and Chief Financial Officer

  
 [SEAL] 
  

			
	 Attest:
	 	  

	 	 	 Laurel A. Holschuh

	 Its:
	 	 Secretary

  
 TRUSTEE’S CERTIFICATE OF

 AUTHENTICATION 
 This is one of the Securities of the

 series designated therein described 
 in the within-mentioned
Indenture. 
  
 CITIBANK, N.A., 
 as Trustee 
  

			
	 By:
	 	  

	 	 	 Authorized Signature
  

	 	 	 OR
  

	 WELLS FARGO BANK, N.A.,

	 as Authenticating Agent for the Trustee
  

	 By:
	 	  

	 	 	 Authorized Signature

  
  

 7 

 [Reverse of Note] 
  

WELLS FARGO & COMPANY 
  
 Notes Linked to the Dow Jones Industrial AverageSM due September 8, 2010 
  
 This
Security is one of a duly authorized issue of securities of the Company (herein called the “Securities”), issued and to be issued in one or more series under an indenture dated as of July 21, 1999, as amended or supplemented from time to
time (herein called the “Indenture”), between the Company and Citibank, N.A., as Trustee (herein called the “Trustee,” which term includes any successor trustee under the Indenture), to which Indenture and all indentures
supplemental thereto reference is hereby made for a statement of the respective rights, limitations of rights, duties and immunities thereunder of the Company, the Trustee and the Holders of the Securities, and of the terms upon which the Securities
are, and are to be, authenticated and delivered. This Security is one of the series designated on the face hereof, limited in aggregate Face Amount to $33,523,000; provided, however, that the Company may, so long as no Event of Default has
occurred and is continuing, without the consent of the Holders of the Securities of this series, issue additional Securities with the same terms as the Securities of this series, and such additional Securities shall be considered part of the same
series under the Indenture as the Securities of this series. 
  
 The Securities of this series are not subject to redemption at the option of the Company or repayment at the option of the Holder hereof prior to September 8, 2010. The Securities will not be entitled to any sinking fund. 
  
 The Company agrees, to the extent permitted by law, not to voluntarily claim
the benefits of any laws concerning usurious rates of interest against a Holder of Securities of this series. 
  
 If an Event of Default, as defined in the Indenture, with respect to Securities of this series shall occur and be continuing, the Maturity Payment Amount
(calculated as set forth in the next sentence) of the Securities of this series may be declared due and payable in the manner and with the effect provided in the Indenture. The amount payable to the Holder hereof upon any acceleration permitted
under the Indenture will be equal to the Maturity Payment Amount hereof calculated as though the date of acceleration was the Stated Maturity Date. Upon payment of the amount so declared due and payable, all of the Company’s obligations in
respect of payment of the Maturity Payment Amount shall terminate. The Securities of this series will not bear a default rate of interest after the occurrence of an Event of Default or an acceleration under the Indenture. 
  
 The Company agrees, and by acceptance of a beneficial ownership interest in
this Security each beneficial owner of this Security will be deemed to have agreed, for United States federal income tax purposes to treat this Security as a financial contract with cash settlement, rather than as a debt instrument. 
  

 8 

 The Indenture permits, with certain exceptions as therein provided, the amendment thereof and the
modification of the rights and obligations of the Company and the rights of the Holders of the Securities of each series to be affected under the Indenture at any time by the Company and the Trustee with the consent of the Holders of a majority in
principal amount of the Securities at the time Outstanding of all series to be affected, acting together. The Indenture also contains provisions permitting the Holders of a majority in principal amount of the Securities of all series at the time
Outstanding affected by certain provisions of the Indenture, acting together, on behalf of the Holders of all Securities of such series, to waive compliance by the Company with those provisions of the Indenture. Certain past defaults under the
Indenture and their consequences may be waived under the Indenture by the Holders of a majority in principal amount of the Securities of each series at the time Outstanding, on behalf of the Holders of all Securities of such series. Solely for the
purpose of determining whether any consent, waiver, notice or other action or Act to be taken or given by the Holders of Securities pursuant to the Indenture has been given or taken by the Holders of Outstanding Securities in the requisite aggregate
principal amount, the principal amount of this Security will be deemed to be equal to the amount set forth on the face hereof as the “Face Amount” hereof. Any such consent or waiver by the Holder of this Security shall be conclusive and
binding upon such Holder and upon all future Holders of this Security and of any Security issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this
Security. 
  
 Section 403 and Article Fifteen of the Indenture and
the provisions of clause (ii) of Section 401(1)(B) of the Indenture, relating to defeasance at any time of (a) the entire indebtedness on this Security and (b) certain restrictive covenants and certain Events of Default, upon compliance by the
Company with certain conditions set forth therein, shall not apply to this Security. The remaining provisions of Section 401 of the Indenture shall apply to this Security. 
  
 Upon due presentment for registration of transfer of this Security at the office or agency of the Company in the City of
Minneapolis, Minnesota, a new Security or Securities of this series in authorized denominations for an equal aggregate Face Amount will be issued to the transferee in exchange herefor, as provided in the Indenture and subject to the limitations
provided therein and to the limitations described below, without charge except for any tax or other governmental charge imposed in connection therewith. 
  
 This Security is exchangeable for definitive Securities in registered form only if (x) the Depositary notifies the Company that it is unwilling or unable
to continue as Depositary for this Security or if at any time the Depositary ceases to be a clearing agency registered under the Securities Exchange Act of 1934, as amended, and a successor depositary is not appointed within 90 days after the
Company receives such notice or becomes aware of such ineligibility, (y) the Company in its sole discretion determines that this Security shall be exchangeable for definitive Securities in registered form and notifies the Trustee thereof or (z) an
Event of Default with respect to the Securities represented hereby has occurred and is continuing. If this Security is exchangeable pursuant to the preceding sentence, it shall be exchangeable for definitive Securities in registered form, having the
same terms and of authorized denominations aggregating a like amount. 
  
 This Security may not be transferred except 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 or by the Depositary or any such nominee to a
successor of the Depositary or a nominee 
  

 9 

 of such successor. Except as provided above, owners of beneficial interests in this Security will not be entitled to
receive physical delivery of Securities in definitive form and will not be considered the Holders hereof for any purpose under the Indenture. 
  
 No reference herein to the Indenture and no provision of the Indenture shall alter or impair the obligation of the Company, which is absolute and
unconditional, to pay the Maturity Payment Amount at the times and place, and in the coin or currency, herein prescribed, except as otherwise provided in this Security. 
  
 Prior to due presentment of this Security for registration of transfer, the Company, the Trustee and any agent of the
Company or the Trustee may treat the Person in whose name this Security is registered as the owner hereof for all purposes, whether or not this Security be overdue, and neither the Company, the Trustee nor any such agent shall be affected by notice
to the contrary. 
  
 No recourse shall be had for the payment of
the Maturity Payment Amount, or for any claim based on this Security, or otherwise in respect hereof, or based on or in respect of the Indenture or any indenture supplemental thereto, against any incorporator, stockholder, officer or director, as
such, past, present or future, of the Company or any successor corporation, whether by virtue of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise, all such liability being, by the acceptance
hereof and as part of the consideration for the issuance hereof, expressly waived and released. 
  
 All terms used in this Security which are defined in the Indenture shall have the meanings assigned to them in the Indenture unless otherwise defined in
this Security. 
  
 This Security shall be governed by and
construed in accordance with the laws of the State of New York. 
  

 10 

 ABBREVIATIONS 
  
 The following abbreviations, when used in the inscription on the face of this instrument, shall be construed as though they
were written out in full according to applicable laws or regulations: 
  

					
	 TEN COM
	 	 —
	 	 as tenants in common

			
	 TEN ENT
	 	 —
	 	 as tenants by the entireties

			
	 JT TEN
	 	 —
	 	 as joint tenants with right

	 	 	 	 	 of survivorship and not

	 	 	 	 	 as tenants in common

  

							
	 UNIF GIFT MIN ACT —
	 	  

	 	 Custodian
	 	  

	 	 	(Cust)	 	 	 	(Minor)

  

					
	 Under Uniform Gifts to Minors Act
  
	 	 	 	 
	  

	 	 	 	 
	                 (State)
	 	 	 	 

  
 Additional
abbreviations may also be used though not in the above list. 
  
 FOR VALUE RECEIVED, the undersigned hereby sell(s) and transfer(s) unto 
  
 Please Insert Social Security or 
 Other Identifying Number of Assignee 
  

					
	
	 	 	 	 

  

					
	  

	  

	  

 (PLEASE PRINT OR TYPE
NAME AND ADDRESS INCLUDING POSTAL ZIP CODE OF ASSIGNEE) 
  

 11 

 the within Security of WELLS FARGO & COMPANY and does hereby irrevocably constitute and appoint
                     attorney to transfer the said Security on the books of the Company, with full power of substitution in the premises.

  

			
	 Dated:             
	 	 

  

			
	 	 	  

	 	 	  

  
 NOTICE: The signature to this
assignment must correspond with the name as written upon the face of the within instrument in every particular, without alteration or enlargement or any change whatever. 
  

 12Form of Supplemental Indenture b/w JPMorgan Chase & BNY as Debenture Trustee

 Exhibit 4.2 
  

 
  
  
 JPMORGAN CHASE & CO. 
  
 (Formerly Known As The Chase Manhattan Corporation) 
  
 AND 
  
 THE BANK OF NEW YORK, 
  
 as Trustee 
  
 SUPPLEMENTAL
INDENTURE 
  
 Dated as of
[                , 20    ] 
  
 to 
  
 JUNIOR SUBORDINATED INDENTURE 
  
 Dated as of December 1, 1996 
  

 SUPPLEMENTAL INDENTURE, dated as of
[                , 20    ], between JPMORGAN CHASE & CO. (formerly known as “The Chase Manhattan Corporation”), a Delaware corporation
(the “Company”) having its principal office at 270 Park Avenue, New York, NY 10017, and THE BANK OF NEW YORK, a New York banking corporation, as Trustee (the “Trustee”). 
  
  
 WITNESSETH: 
  
 WHEREAS, the Company and the Trustee have
heretofore executed and delivered a certain Junior Subordinated Indenture, dated as of December 1, 1996 (the “Indenture”; capitalized terms not otherwise defined herein shall have the meanings set forth in the Indenture), providing for the
issuance from time to time of Securities; 
  
 WHEREAS, Section 9.1
of the Indenture provides that a supplemental indenture may be entered into by the Company and the Trustee without the consent of any Holder of any Securities to change or eliminate any of the provisions of the Indenture, provided that any such
change or elimination shall become effective only when there is no Security outstanding of any series created prior to the execution of such supplemental indenture which is entitled to the benefit of such provision; 
  
 WHEREAS, Section 9.1 of the Indenture provides that a supplemental indenture
may be entered into by the Company and the Trustee without the consent of any Holder of any Securities to establish the form or terms of Securities of any series as permitted by Sections 2.1 or 3.1 of the Indenture, and pursuant thereto the Company
has determined to establish certain provisions of the form and terms of Securities in each series issued on or after the date hereof; 
  
 WHEREAS, the conditions set forth in the Indenture for the execution and delivery of this Supplemental Indenture have been satisfied; and 
  
 WHEREAS, all things necessary to make this Supplemental Indenture a valid
agreement of the Company and the Trustee, in accordance with its terms, and a valid amendment of, and supplement to, the Indenture have been done. 
  
 NOW, THEREFORE, in consideration of the premises and the purchase of the Securities by the Holders thereof from time to time on or after the date hereof,
it is mutually covenanted and agreed, for the equal and proportionate benefit of all such Holders, that the Indenture is supplemented and amended, to the extent and for the purposes expressed herein, as follows: 
  
  
 ARTICLE I 
  
 SCOPE OF THIS SUPPLEMENTAL INDENTURE

  
 1.1. The changes, modifications and supplements to the
Indenture effected by this Supplemental Indenture in Sections 2.1 through 2.6 hereof shall only be applicable with respect to, and govern the terms of, any series of Securities issued on or after the date hereof, and shall not apply to any series of
Securities which have been issued under the Indenture prior to such date. 

 ARTICLE II 
  
 AMENDMENTS 
  
 2.1. All references in the Indenture to the term “business trust” shall be deleted and the term “statutory trust” shall be inserted in
their place. 
  
 2.2. The definition of “Debt” contained
in Section 1.1 of the Indenture is hereby amended in its entirety to read as follows: 
  
 “Debt” means, with respect to any Person, whether or not contingent, (i) every obligation of such Person for money borrowed
whether or not evidenced by bonds, debentures, notes or other written instruments, and any deferred obligation for payment of the purchase price of property or assets; (ii) every obligation of such Person for claims in respect of derivative
products, including interest rate, foreign exchange rate and commodity forward contracts, options and swaps and similar arrangements; and (iii) every obligation of the type referred to in clauses (i) and (ii) of another Person the payment of which,
in either case, such Person has guaranteed or is responsible or liable for, directly or indirectly, as obligor or otherwise. 
  
 2.3. The definition of “Senior Debt” contained in Section 1.1 of the Indenture is hereby amended in its entirety to read as follows: 

 
 “Senior Debt” means the principal of (and
premium, if any) and interest, if any (including interest accruing on or after the filing of any petition in bankruptcy or for reorganization relating to the Company whether or not such claim for post-petition interest is allowed in such proceeding)
on Debt of the Company, whether incurred on or prior to the date of this Indenture or thereafter incurred, unless, in the instrument creating or evidencing the same or pursuant to which the same is outstanding, it is provided that such obligations
are not superior in right of payment to the Securities or to other Debt which is pari passu with, or subordinated to, the Securities; provided, however, that Senior Debt shall not be deemed to include any Securities. 
  
 2.4. Section 2.3 of the Indenture is hereby amended by deleting the eighth
and ninths paragraphs of such Section and inserting the following in its place: 
  
 [If the Security is not a Discount Security, — As provided in and subject to the provisions of the Indenture, if an Event of
Default arising from a default in the payment of interest as set forth in Section 5.1(6) of the Indenture with respect to the Securities of this series at the time Outstanding occurs and is continuing, then and in every such case the Trustee or the
Holders of not less than 25% in principal amount of the Outstanding Securities of this series may declare the principal amount of all the Securities of this series to be due and payable immediately, by a notice in writing to the Company (and to the
Trustee if given by Holders), provided that, in the case of the Securities of this series issued to a Trust, if upon such an Event of Default, the Trustee or the Holders of not less than 25% in principal amount of the Outstanding Securities of this
series fail to declare the principal of all the Securities of this series to be immediately due and payable, the holders of at least 25% in aggregate Liquidation Amount of the Preferred Securities then outstanding shall have such right by a notice
in writing to the 
  

 2 

 Company and the Trustee; and upon any such declaration the principal amount of and the accrued interest
(including any Additional Interest) on all the Securities of this series shall become immediately due and payable, provided that the payment of principal and interest (including any Additional Interest) on such Securities shall remain subordinated
to the extent provided in Article XIII of the Indenture. As provided in and subject to the provisions of the Indenture, if an Event of Default arising from events of bankruptcy, insolvency or reorganization involving the Company as set forth in
Section 5.1(4) or 5.1(5) of the Indenture with respect to the Securities of this series at the time Outstanding occurs and is continuing, then and in every such case the principal amount of and the accrued interest (including any Additional
Interest) on all the Securities of this series shall automatically, and without any declaration or other action on the part of the Trustee or any Holder, become immediately due and payable, provided that the payment of principal and interest
(including any Additional Interest) on such Securities shall remain subordinated to the extent provided in Article XIII of the Indenture.] 
  
 [If the Security is a Discount Security, — As provided in and subject to the provisions of the Indenture, if an Event of
Default arising from a default in the payment of interest as set forth in Section 5.1(6) of the Indenture with respect to the Securities of this series at the time Outstanding occurs and is continuing, then and in every such case the Trustee or the
Holders of not less than such portion of the principal amount as may be specified in the terms of this series may declare an amount of principal of the Securities of this series to be due and payable immediately, by a notice in writing to the
Company (and to the Trustee if given by Holders), provided that, in the case of the Securities of this series issued to a Trust, if upon such an Event of Default, the Trustee or the Holders of not less than such specified principal amount of the
Outstanding Securities of this series fail to declare the principal of all the Securities of this series to be immediately due and payable, the holders of at least 25% in aggregate Liquidation Amount of the Preferred Securities then outstanding
shall have such right by a notice in writing to the Company and the Trustee. As provided in and subject to the provisions of the Indenture, if an Event of Default arising from events of bankruptcy, insolvency or reorganization involving the Company
as set forth in Section 5.1(4) or 5.1(5) of the Indenture with respect to the Securities of this series at the time Outstanding occurs and is continuing, then and in every such case an amount of principal of the Securities of this series shall
automatically, and without any declaration or other action on the part of the Trustee or any Holder, become immediately due and payable. In either case, such amount shall be equal to – insert formula for determining the amount. Upon any
such declaration or automatic acceleration, such amount of the principal of and the accrued interest (including any Additional Interest) on all the Securities of this series shall become immediately due and payable, provided that the payment of
principal and interest (including any Additional Interest) on such Securities shall remain subordinated to the extent provided in Article XIII of the Indenture. 
  

2.5. Section 5.1 of the Indenture is hereby amended by renumbering existing clause (6) as clause (7) and inserting the following clause after clause
(5): 
  
 (6) default in the payment of interest in
full upon any Security of that series for a period of 30 days after the conclusion of a period consisting of 20 consecutive 
  

 3 

 quarters (or, in the case of any Security on which interest is paid semiannually, 10 consecutive
semiannual periods) commencing with the earliest quarter or semiannual period, as the case may be, for which interest (including interest accrued on deferred payments) has not been paid in full; or 
  
 2.6. Section 5.2 of the Indenture is hereby amended by deleting the first
paragraph of such Section and inserting the following in its place: 
  
 If an Event of Default specified in Section 5.1(6) with respect to Securities of any series at the time Outstanding occurs and is continuing, then and in every such case the Trustee or the Holders of not less than 25%
in principal amount of the Outstanding Securities of that series may declare the principal amount (or, if the Securities of that series are Discount Securities, such portion of the principal amount as may be specified in the terms of that series) of
all the Securities of that series to be due and payable immediately, by a notice in writing to the Company (and to the Trustee if given by Holders), provided that, in the case of the Securities of a series issued to a Trust, if, upon such an Event
of Default, the Trustee or the Holders of not less than 25% in principal amount of the Outstanding Securities of that series fail to declare the principal amount (or, if the Securities of that series are Discount Securities, such portion of the
principal amount as may be specified in the terms of that series) of all the Securities of that series to be immediately due and payable, the holders of at least 25% in aggregate liquidation amount of the corresponding series of Preferred Securities
then outstanding shall have such right by a notice in writing to the Company and the Trustee; and upon any such declaration such principal amount (or specified portion thereof) of and the accrued interest (including any Additional Interest) on all
the Securities of such series shall become immediately due and payable. If an Event of Default specified in Section 5.1(4) or 5.1(5) with respect to Securities of any series at the time Outstanding occurs, the principal amount of all the Securities
of that series (or, if the Securities of that series are Discount Securities, such portion of the principal amount of such Securities as may be specified by the terms of that series) and the accrued interest (including any Additional Interest) on
such Securities shall automatically, and without any declaration or other action on the part of the Trustee or any Holder, become immediately due and payable. In case of any other Event of Default, there shall be no right to declare the principal
amount (or, if the Securities of that series are Discount Securities, such portion of the principal amount as may be specified in the terms of that series) of the Securities of that series to be due and payable immediately. Payment of principal and
interest (including any Additional Interest) on such Securities shall remain subordinated to the extent provided in Article XIII notwithstanding that such amount shall become immediately due and payable as herein provided. 
  

 4 

 ARTICLE III 
  
 MISCELLANEOUS 
  
 3.1. If any provision of this Supplemental Indenture limits, qualifies or conflicts with the duties imposed by any of Sections 310 to 317, inclusive, of
the Trust Indenture Act of 1939 through operation of Section 318(c) thereof, such imposed duties shall control. 
  
 3.2. The Article headings herein are for convenience only and shall not effect the construction hereof. 
  
 3.3. All covenants and agreements in this Supplemental Indenture by the
Company shall bind its successors and assigns, whether so expressed or not. 
  
 3.4. In case any provision of this Supplemental Indenture shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired
thereby. 
  
 3.5. Nothing in this Supplemental Indenture is
intended to or shall provide any rights to any parties other than those expressly contemplated by this Supplemental Indenture. 
  
 3.6. THIS SUPPLEMENTAL INDENTURE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK. 
  
 3.7. The Trustee makes no representations as to the validity or sufficiency
of this Supplemental Indenture. The recitals and statements herein are deemed to be those of the Company and not of the Trustee. 
  

 5 

 * * * * 
  
 This instrument may be executed in any number of counterparts, each of which so executed shall be deemed to be an original, but all of which counterparts
shall together constitute but one and the same instrument. 
  
 IN
WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly executed, all as of the day and year first above written. 
  

			
	JPMORGAN CHASE & CO.
		
	BY	 	 
	 	 	

	 	 	 Name:

	 	 	 Title:

	
	  
 THE BANK OF NEW YORK

	 as Trustee

		
	BY	 	 
	 	 	

	 	 	 Name:

	 	 	 Title:

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