Document:

EX-4.16

Exhibit 4.16

TRUST AGREEMENT

     This TRUST AGREEMENT, dated as of September 25, 2008 (this “Trust Agreement”), among (i)
First Financial Bancorp., an Ohio corporation (the “Depositor”); (ii) Wilmington Trust Company, a
Delaware banking corporation, as trustee; and (iii) Gregory A. Gehlmann and J. Franklin Hall, each
an individual, as trustees (each of such trustees in (ii) and (iii) a “Trustee” and collectively,
the “Trustees”).

     The Depositor and the Trustees hereby agree as follows:

     1. The trust created hereby (the “Trust”) shall be known as “FFBC Capital Trust IV” in which
name the Trustees, or the Depositor to the extent provided herein, may engage in the transactions
contemplated hereby, make and execute contracts, and sue and be sued.

     2. The Depositor hereby assigns, transfers, conveys and sets over the Trustees the sum of Ten
Dollars ($10.00). The Trustees hereby acknowledge receipt of such amount in trust from the
Depositor, which amount shall constitute the initial trust estate. The Trustees hereby declare
that they will hold the trust estate in trust for the Depositor. It is the intention of the
parties hereto that the Trust created hereby constitute a Statutory Trust under Chapter 38 of Title
12 of the Delaware Code, 12 Del. C. Section 3801, et seq. (the “Statutory Trust Act”), and that
this document constitute the governing instrument of the Trust. The Trustees are hereby authorized
and directed to execute and file a certificate of trust with the Delaware Secretary of State in
accordance with the provisions of the Statutory Trust Act.

     3. The Depositor and the Trustees will enter into an Amended and Restated Trust Agreement,
satisfactory to each such party and substantially in the form included as an exhibit to the 1933
Act Registration Statement (as defined below), to provide for the contemplated operation of the
Trust created hereby and the issuance of the Preferred Capital Securities and Common Securities
referred to therein. Prior to the execution and delivery of such Amended and Restated Trust
Agreement, the Trustees shall not have any duty or obligation hereunder or with respect to the
trust estate, except as otherwise required by applicable law or as may be necessary to obtain prior
to such execution and delivery of any licenses, consents or approvals required by applicable law or
otherwise.

     4. The Depositor and the Trustees hereby authorize and direct the Depositor, as the agent of
the Trust, (i) to file with the Securities and Exchange Commission (the “Commission”) and execute,
in each case on behalf of the Trust, (a) the Registration Statement on Form S-3 (the “1933 Act
Registration Statement”) (including any pre-effective or post-effective amendments to the 1933 Act
Registration Statement) relating to the registration under the Securities Act of 1933, as amended,
of the Preferred Securities of the Trust and certain other securities; and (b) a Registration
Statement on Form 8-A (the “1934 Act Registration Statement”) (including all pre-effective and
post- effective amendments thereto) relating to the registration of the Preferred Securities of the
Trust under the Securities Exchange Act of 1934, as amended; (ii) to file with the New York Stock
Exchange, Nasdaq or any other exchange (each, an “Exchange”) and execute on behalf of the Trust one
or more listing applications and all other applications, statements, certificates, agreements and
other instruments as shall be necessary or desirable to cause the Preferred Securities to be listed
on any of the Exchanges; (iii) to file and execute on behalf of the Trust such applications,
reports, surety bonds, irrevocable consents, appointments of attorney for service of process and
other papers and documents as shall be necessary or desirable to register the Preferred Securities
under the securities or blue sky laws of such jurisdictions as the Depositor, on behalf of the
Trust, may deem necessary or desirable; and (iv) to execute on behalf of the Trust one or more
underwriting agreements relating to the Preferred Securities, among the Trust, the Depositor and
the underwriter(s) named therein, substantially in the form included as an exhibit to the 1933 Act
Registration Statement. In the event that any filing referred to in clauses (i), (ii) and (iii)
above is required by the rules

 

 

and regulations of the Commission, an Exchange or state securities or blue sky laws, to be
executed on behalf of the Trust by one or more of the Trustees, each of the Trustees, in its or his
capacity as a Trustee of the Trust, is hereby authorized and, to the extent so required, directed
to join in any such filing and to execute on behalf of the Trust any and all of the foregoing, it
being understood that Wilmington Trust Company in its capacity as a Trustee of the Trust shall not
be required to join in any such filing or execute on behalf of the Trust any such document unless
required by the rules and regulations of the Commission, the Exchange or state securities or blue
sky laws. In connection with the filings referred to above, the Depositor and Gregory A. Gehlmann
and J. Franklin Hall, each as Trustees and not in their individual capacities, hereby constitutes
and appoints Gregory A. Gehlmann and J. Franklin Hall and each of them, as its true and lawful
attorneys- in-fact and agents, with full power of substitution and resubstitution, for the
Depositor or such Trustee or in the Depositor’s or such Trustees’ name, place and stead, in any and
all capacities, to sign any and all amendments (including post-effective amendments) to the 1933
Act Registration Statement and the 1934 Act Registration Statement and to file the same, with all
exhibits thereto, and other documents in connection therewith, with the Commission, the Exchange
and administrators of the state securities or blue sky laws, granting unto said attorneys-in-fact
and agents full power and authority to do and perform each and every act and thing requisite and
necessary to be done in connection therewith, as fully to all intents and purposes as the Depositor
or such Trustee might or could do in person, hereby ratifying and confirming all that said
attorneys-in- fact and agents or any of them, or their respective substitute or substitutes, shall
do or cause to be done by virtue hereof.

     5. This Trust Agreement may be executed in one or more counterparts.

     6. The number of Trustees initially shall be three (3) and thereafter the number of Trustees
shall be such number as shall be fixed from time to time by a written instrument signed by the
Depositor which may increase or decrease the number of Trustees; provided, however, that to the
extent required by the Statutory Trust Act, one Trustee shall either be a natural person who is a
resident of the State of Delaware or, if not a natural person, an entity which has its principal
place of business in the State of Delaware and otherwise meets the requirements of applicable
Delaware law. Subject to the foregoing, the Depositor is entitled to appoint or remove without
cause any Trustee at any time. The Trustees may resign upon thirty (30) days’ prior notice to the
Depositor.

     7. This Trust Agreement shall be governed by, and construed in accordance with, the laws of
the State of Delaware (without regard to conflict of laws of principles).

	 	8.	 	(a) The Trustees and their officers, directors, agents and servants
(collectively, the “Fiduciary Indemnified Persons”) shall not be liable, responsible or
accountable in damages or otherwise to the Trust, the Depositor, the Trustees or any
holder of the Preferred Securities (the Trust, the Depositor and any holder of the
Trust Securities being a “Covered Person”) for any loss, damage or claim incurred by
reason of any act or omission performed or omitted by the Fiduciary Indemnified Persons
in good faith on behalf of the Trust and in a manner the Fiduciary Indemnified Persons
reasonably believed to be within the scope of authority conferred on the Fiduciary
Indemnified Persons by this Trust Agreement or by law, except that the Fiduciary
Indemnified Persons shall be liable for any such loss, damage or claim incurred by
reason of the Fiduciary Indemnified Person’s negligence or willful misconduct with
respect to such acts or omissions.

(b) The Fiduciary Indemnified Persons shall be fully protected in relying in good
faith upon the records of the Trust and upon such information, opinions, reports or
statements presented to the Trust by any person as to matters the Fiduciary
Indemnified Persons reasonably believes are within such other person’s professional
or expert

2

 

competence and who has been selected with reasonable care by or on behalf of the
Trust, including information, opinions, reports or statements as to the value and
amount of the assets, liabilities, profits, losses, or any other facts pertinent to
the existence and amount of assets from which distributions to holders of Trust
Securities might properly be paid.

(c) The Depositor agrees, to the fullest extent permitted by applicable law, (i) to
indemnify and hold harmless each Fiduciary Indemnified Person from and against any
loss, damage, liability, tax, penalty, expense or claim of any kind or nature
whatsoever incurred by the Fiduciary Indemnified Persons by reason of the creation,
operation or termination of the Trust in a manner the Fiduciary Indemnified Persons
reasonably believed to be within the scope of authority conferred on the Fiduciary
Indemnified Persons by this Trust Agreement of Trust, except that no Fiduciary
Indemnified Persons shall be entitled to be indemnified in respect of any loss,
damage or claim incurred by the Fiduciary Indemnified Persons by reason of
negligence or willful misconduct with respect to such acts or omissions, and (ii) to
advance expenses (including legal fees) incurred by a Fiduciary Indemnified Person
in defending any claim, demand, action, suit or proceeding shall, from time to time,
prior to the final disposition of such claim, demand, action, suit or proceeding,
upon receipt by the Trust of an undertaking by or on behalf of such Fiduciary
Indemnified Persons to repay such amount if it shall be determined that such
Fiduciary Indemnified Person is not entitled to be indemnified as authorized in the
preceding subsection.

(d) The provisions of Section 8 shall survive the termination of this Trust
Agreement or the earlier resignation or removal of the Fiduciary Indemnified
Persons.

[Signature page follows]

3

 

     IN WITNESS WHEREOF, the parties hereto have caused this Trust Agreement to be duly executed as
of the day and year first above written.

	 	 	 	 	 
	 	 	FIRST FINANCIAL BANCORP., as Depositor
	 
	 	 	 	 
	 

	 	By:
	 	/s/ C. Douglas Lefferson
	 

	 	 	 	 
	 	 	Name: C. Douglas Lefferson
	 	 	Title: EVP & Chief Operating Officer
	 
	 	 	 	 
	 	 	WILMINGTON TRUST COMPANY, as Trustee
	 
	 	 	 	 
	 

	 	By:
	 	/s/ J. Christopher Murphy
	 

	 	 	 	 
	 	 	Name: J. Christopher Murphy
	 	 	Title: Financial Services Officer
	 
	 	 	 	 
	 

	 	 	 	/s/ Gregory A. Gehlmann
	 	 	 
	 	 	Gregory A. Gehlmann, as Trustee
	 
	 	 	 	 
	 

	 	 	 	/s/ J. Franklin Hall
	 	 	 
	 	 	J. Franklin Hall, as Trustee

4EX-4.17

Exhibit 4.17

AMENDED AND RESTATED TRUST AGREEMENT

By and among

FIRST FINANCIAL BANCORP.

as Depositor,

WILMINGTON TRUST COMPANY

as Property Trustee,

WILMINGTON TRUST COMPANY,

as Delaware Trustee,

and

THE ADMINISTRATIVE TRUSTEES

NAMED HEREIN

Dated as of                                         

FFBC CAPITAL TRUST [ ]

 

 

FFBC CAPITAL TRUST [ ]

     Certain Sections of this Trust Agreement relating to Sections 310 through 318 of the Trust
Indenture Act of 1939:

	 	 	 	 	 	 
	Trust Indenture Act Section	 	 	Trust Agreement Section
	Section 310(a)(1)
	 	 	 	 8.7	 
	               (a)(2)
	 	 	 	 8.7	 
	               (a)(3)
	 	 	 	 8.9	 
	               (a)(4)
	 	 	 	 2.7(a)(ii)	 
	               (b)
	 	 	 	 8.8, 10.10(b)	 
	Section 311(a)
	 	 	 	 8.13, 10.10 (b)	 
	               (b)
	 	 	 	 8.13, 10.10(b)	 
	Section 312(a)
	 	 	 	 10.10(b)	 
	               (b)
	 	 	 	 10.10(b)(f)	 
	               (c)
	 	 	 	 5.7	 
	Section 313(a)
	 	 	 	 8.15(a)	 
	               (a)(4)
	 	 	 	 10.10(c)	 
	               (b)
	 	 	 	 8.15(c), 10.10(c)	 
	               (c)
	 	 	 	 10.8, 10.10(c)	 
	               (d)
	 	 	 	 10.10(c)	 
	Section 314 (a)
	 	 	 	 8.16, 10.10(d)	 
	               (b)
	 	 	 	 Not Applicable	 
	               (c)(1)
	 	 	 	 8.17, 10.10(d), (e)	 
	               (c)(2)
	 	 	 	 8.17, 10.10(d), (e)	 
	               (c)(3)
	 	 	 	 8.17, 10.10(d), (e)	 
	               (e)
	 	 	 	 8.17, 10.10(e)	 
	Section 315 (a)
	 	 	 	 8.1(d)	 
	               (b)
	 	 	 	 8.2	 
	               (c)
	 	 	 	 8.1 (c)	 
	               (d)
	 	 	 	 8.1 (d)	 
	               (e)
	 	 	 	 Not Applicable	 
	Section 316 (a)
	 	 	 	 Not Applicable	 
	               (a)(1)(A)
	 	 	 	 Not Applicable	 
	               (a)(1)(B)
	 	 	 	 Not Applicable	 
	               (a)(2)
	 	 	 	 Not Applicable	 
	               (b)
	 	 	 	 5.13	 
	               (c)
	 	 	 	 6.7	 
	Section 317 (a)(1)
	 	 	 	 Not Applicable	 
	               (a)(2)
	 	 	 	 8.14	 
	               (b)
	 	 	 	 5.10	 
	Section 318 (a)
	 	 	 	 10.10(a)	 

 
 

Note: This reconciliation and tie shall not, for any purpose, be deemed to be a part of the
Trust Agreement.

 

 

TABLE OF CONTENTS

	 	 	 	 	 
	 	 	Page	 
	ARTICLE I DEFINED TERMS
	 	 	1	 
	 
	SECTION 1.1 Definitions
	 	 	1	 
	 
	ARTICLE II CONTINUATION OF THE ISSUER TRUST
	 	 	10	 
	 
	SECTION 2.1 Name
	 	 	10	 
	SECTION 2.2 Office of the Delaware Trustee; Principal Place of Business
	 	 	10	 
	SECTION 2.3 Initial Contribution of Trust Property; Organizational Expenses
	 	 	10	 
	SECTION 2.4 Issuance of the Preferred Capital Securities
	 	 	11	 
	SECTION 2.5 Issuance of the Common Securities; Subscription and Purchase of Junior
Subordinated Debentures
	 	 	11	 
	SECTION 2.6 Authorization to Issue Additional Trust Securities; Authorization to
Subscribe and Purchase Additional Junior Subordinated Debentures
	 	 	11	 
	SECTION 2.7 Declaration of Trust
	 	 	12	 
	SECTION 2.8 Authorization to Enter into Certain Transactions
	 	 	12	 
	SECTION 2.9 Assets of Trust
	 	 	15	 
	SECTION 2.10 Title to Trust Property
	 	 	15	 
	 
	ARTICLE III PAYMENT ACCOUNT
	 	 	15	 
	 
	SECTION 3.1 Payment Account
	 	 	15	 
	 
	ARTICLE IV DISTRIBUTIONS; REDEMPTION
	 	 	15	 
	 
	SECTION 4.1 Distributions
	 	 	15	 
	SECTION 4.2 Redemption
	 	 	16	 
	SECTION 4.3 Subordination of Common Securities
	 	 	18	 
	SECTION 4.4 Payment Procedures
	 	 	19	 
	SECTION 4.5 Tax Returns and Reports
	 	 	19	 
	SECTION 4.6 Payment of Taxes, Duties, Etc. of the Issuer Trust
	 	 	19	 
	SECTION 4.7 Payments under Indenture or Pursuant to Direct Actions
	 	 	19	 
	SECTION 4.8 Liability of the Holder of Common Securities
	 	 	20	 
	 
	ARTICLE V TRUST SECURITIES CERTIFICATES
	 	 	20	 
	 
	SECTION 5.1 Initial Ownership
	 	 	20	 
	SECTION 5.2 The Trust Securities Certificates
	 	 	20	 
	SECTION 5.3 Execution and Delivery of Trust Securities Certificates
	 	 	20	 
	SECTION 5.4 Global Preferred Capital Securities
	 	 	20	 
	SECTION 5.5 Registration of Transfer and Exchange of Preferred Capital Securities
Certificates
	 	 	22	 
	SECTION 5.6 Mutilated, Destroyed, Lost or Stolen Trust Securities Certificates
	 	 	23	 
	SECTION 5.7 Persons Deemed Holders
	 	 	23	 
	SECTION 5.8 Access to List of Holders’ Names and Addresses
	 	 	23	 

i

 

TABLE OF CONTENTS

	 	 	 	 	 
	 	 	Page	 
	SECTION 5.9 Maintenance of Office or Agency
	 	 	24	 
	SECTION 5.10 Appointment of Paying Agent
	 	 	24	 
	SECTION 5.11 Ownership of Common Securities by Depositor
	 	 	24	 
	SECTION 5.12 Notices to Clearing Agency
	 	 	25	 
	SECTION 5.13 Rights of Holders; Waivers of Past Defaults
	 	 	25	 
	SECTION 5.14 CUSIP Numbers
	 	 	27	 
	 
	ARTICLE VI ACTS OF HOLDERS; MEETINGS; VOTING
	 	 	27	 
	 
	SECTION 6.1 Limitations on Holders’ Voting Rights
	 	 	27	 
	SECTION 6.2 Notice of Meetings
	 	 	28	 
	SECTION 6.3 Meetings of Holders
	 	 	28	 
	SECTION 6.4 Voting Rights
	 	 	28	 
	SECTION 6.5 Proxies, etc.
	 	 	29	 
	SECTION 6.6 Holder Action by Written Consent
	 	 	29	 
	SECTION 6.7 Record Date for Voting and Other Purposes
	 	 	29	 
	SECTION 6.8 Acts of Holders
	 	 	29	 
	SECTION 6.9 Inspection of Records
	 	 	30	 
	 
	ARTICLE VII REPRESENTATIONS AND WARRANTIES
	 	 	30	 
	 
	SECTION 7.1 Representations and Warranties of the Property Trustee and the Delaware Trustee
	 	 	30	 
	SECTION 7.2 Representations and Warranties of Depositor
	 	 	31	 
	 
	ARTICLE VIII THE ISSUER TRUSTEES; THE ADMINISTRATIVE TRUSTEES
	 	 	32	 
	 
	SECTION 8.1 Certain Duties and Responsibilities
	 	 	32	 
	SECTION 8.2 Certain Notices
	 	 	34	 
	SECTION 8.3 Certain Rights of Property Trustee
	 	 	34	 
	SECTION 8.4 Not Responsible for Recitals or Issuance of Securities
	 	 	35	 
	SECTION 8.5 May Hold Securities
	 	 	35	 
	SECTION 8.6 Compensation; Indemnity; Fees
	 	 	35	 
	SECTION 8.7 Corporate Property Trustee Required; Eligibility of Trustees and
Administrative Trustees
	 	 	36	 
	SECTION 8.8 Conflicting Interests
	 	 	37	 
	SECTION 8.9 Co-Trustees and Separate Trustee
	 	 	37	 
	SECTION 8.10 Resignation and Removal; Appointment of Successor
	 	 	38	 
	SECTION 8.11 Acceptance of Appointment by Successor
	 	 	39	 
	SECTION 8.12 Merger, Conversion, Consolidation or Succession to Business
	 	 	40	 
	SECTION 8.13 Preferential Collection of Claims Against Depositor or Issuer Trust
	 	 	40	 

ii

 

TABLE OF CONTENTS

	 	 	 	 	 
	 	 	Page	 
	SECTION 8.14 Trustee May File Proofs of Claim
	 	 	40	 
	SECTION 8.15 Reports by Property Trustee
	 	 	41	 
	SECTION 8.16 Reports to the Property Trustee
	 	 	41	 
	SECTION 8.17 Evidence of Compliance with Conditions Precedent
	 	 	41	 
	SECTION 8.18 Number of Issuer Trustees
	 	 	41	 
	SECTION 8.19 Delegation of Power
	 	 	42	 
	SECTION 8.20 Appointment of Administrative Trustees
	 	 	42	 
	 
	ARTICLE IX DISSOLUTION, LIQUIDATION AND MERGER
	 	 	43	 
	 
	SECTION 9.1 Dissolution Upon Expiration Date
	 	 	43	 
	SECTION 9.2 Early Dissolution
	 	 	43	 
	SECTION 9.3 Termination
	 	 	43	 
	SECTION 9.4 Liquidation
	 	 	43	 
	SECTION 9.5 Mergers, Consolidations, Amalgamations or Replacements of the Issuer Trust
	 	 	45	 
	 
	ARTICLE X MISCELLANEOUS PROVISIONS
	 	 	46	 
	 
	SECTION 10.1 Limitation of Rights of Holders
	 	 	46	 
	SECTION 10.2 Amendment
	 	 	46	 
	SECTION 10.3 Separability
	 	 	47	 
	SECTION 10.4 Governing Law
	 	 	47	 
	SECTION 10.5 Payments Due on Non-Business Day
	 	 	48	 
	SECTION 10.6 Successors
	 	 	48	 
	SECTION 10.7 Headings
	 	 	48	 
	SECTION 10.8 Reports, Notices and Demands
	 	 	48	 
	SECTION 10.9 Agreement Not to Petition
	 	 	49	 
	SECTION 10.10 Trust Indenture Act; Conflict with Trust Indenture Act
	 	 	49	 
	SECTION 10.11 Acceptance of Terms of Trust Agreement, Guarantee and Indenture
	 	 	50	 
	SECTION 10.12 Force Majeure
	 	 	50	 

EXHIBITS

	 	 	 	 	 
	 
	 	 	 	 
	Exhibit A

	 	—
	 	Certificate of Trust
	 
	 	 	 	 
	Exhibit B

	 	—
	 	Form of Common Securities Certificate
	 
	 	 	 	 
	Exhibit C

	 	—
	 	Form of Preferred Capital Securities Certificate

iii

 

AMENDED AND RESTATED TRUST AGREEMENT

     THIS AMENDED AND RESTATED TRUST AGREEMENT, dated as of                     , is by and among (i) First
Financial Bancorp., an Ohio corporation (including any successors or assigns, the
“Depositor”), (ii) Wilmington Trust Company, a Delaware banking corporation, as property
trustee (in such capacity, the “Property Trustee” and, in its separate corporate capacity
and not in its capacity as Property Trustee or Delaware Trustee, the “Bank”), (iii)
Wilmington Trust Company, a Delaware banking corporation, as Delaware trustee (in such capacity,
the “Delaware Trustee”) (the Property Trustee and the Delaware Trustee are referred to
collectively herein as the “Issuer Trustees”), (iv) the Administrative Trustees, as
hereinafter defined, and (v) the several Holders, as hereinafter defined.

WITNESSETH

     WHEREAS,
the Depositor and certain of the Issuer Trustees have
heretofore duly declared and established a statutory trust pursuant to the Delaware Statutory Trust
Act by entering into a certain Trust Agreement, dated as of                     , as amended from time to
time (the “Original Trust Agreement”), and by the execution and filing by the Delaware
Trustee with the Secretary of State of the State of Delaware of the Certificate of Trust, filed on
                    (the “Certificate of Trust”), attached as Exhibit A; and

     WHEREAS, the parties hereto desire to amend and restate the Original Trust Agreement in its
entirety as set forth herein to provide for, among other things, (i) the issuance of the Common
Securities by the Issuer Trust to the Depositor, (ii) the issuance and sale of the Preferred
Capital Securities by the Issuer Trust pursuant to the Underwriting Agreement, (iii) the
acquisition by the Issuer Trust from the Depositor of all of the right, title and interest in the
Junior Subordinated Debentures, and (iv) the appointment of the Property Trustee and the
Administrative Trusteess.

     NOW THEREFORE, in consideration of the agreements and obligations set forth herein and for
other good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, each party, intending to be legally bound, for the benefit of the other parties and
for the benefit of the Holders, hereby amends and restates the Original Trust Agreement in its
entirety and agrees, as follows:

ARTICLE I

DEFINED TERMS

SECTION 1.1 Definitions.

     For all purposes of this Trust Agreement, except as otherwise expressly provided or unless the
context otherwise requires:

     (1) The terms defined in this Article have the meanings assigned to them in this Article and
include the plural as well as the singular;

     (2) All other terms used herein that are defined in the Trust Indenture Act, either directly
or by reference therein, have the meanings assigned to them therein;

     (3) The words “include,” “includes” and “including” shall be deemed to be followed by the
phrase “without limitation”;

 

 

     (4) All accounting terms used but not defined herein have the meanings assigned to them in
accordance with United States generally accepted accounting principles as in effect at the time of
determination;

     (5) Unless the context otherwise requires, any reference to an “Article” or a “Section” refers
to an Article or a Section, as the case may be, of this Trust Agreement;

     (6) The words “herein,” “hereby,” “hereof” and “hereunder” and other words of similar import
refer to this Trust Agreement as a whole and not to any particular Article, Section or other
subdivision; and

     “Act” has the meaning specified in Section 6.8.

     “Additional Amounts” means, with respect to Trust Securities of a given Liquidation
Amount and/or a given period, the amount of any Additional Interest (as defined in the Indenture)
paid by the Depositor on a Like Amount of Junior Subordinated Debentures for such period.

     “Additional Sums” has the meaning specified in Section 10.6 of the Indenture.

     “Administrative Trustees” means each Person appointed in accordance with Section 8.20
solely in such Person’s capacity as Administrative Trustee of the Issuer Trust and not in such
Person’s individual capacity, or any successor Administrative Trustee appointed as herein provided;
with the initial Administrative Trustees being Gregory A. Gehlmann, an individual, and J. Franklin
Hall, an individual.

     “Affiliate” means with respect to any specified Person, any other Person directly or
indirectly controlling or controlled by or under direct or indirect common control with such
specified Person. For the purposes of this definition, “control” means the power to direct the
management and policies of such Person, directly or indirectly, whether through the ownership of
voting securities, by contract or otherwise; and the terms “controlling” and “controlled” have
meanings correlative to the foregoing.

     “Applicable Procedures” mean, with respect to any transfer or transaction involving a
Global Preferred Capital Security or beneficial interest therein, the rules and procedures of the
Depositary for such Preferred Capital Security, in each case to the extent applicable to such
transaction and as in effect from time to time.

     “Bank” has the meaning specified in the preamble to this Trust Agreement.

     “Bankruptcy Event” means, with respect to any Person:

     (7) the entry of a decree or order by a court having jurisdiction in the premises judging such
Person a bankrupt or insolvent, or approving as properly filed a petition seeking reorganization,
arrangement, adjudication or composition of or in respect of such Person under any applicable
Federal or state bankruptcy, insolvency, reorganization or other similar law, or appointing a
receiver, conservator, liquidator, assignee, trustee, sequestrator (or other similar official) of
such Person or of any substantial part of its property or ordering the winding-up or liquidation of
its affairs, and the continuance of any such decree or order unstayed and in effect for a period of
60 consecutive days; or

     (8) the institution by such Person of proceedings to be adjudicated a bankrupt or insolvent,
or the consent by it to the institution of bankruptcy or insolvency proceedings against it, or the
filing by it of a petition or answer or consent seeking reorganization or relief under any
applicable Federal or state bankruptcy, insolvency, reorganization or other similar law, or the
consent by it to the filing of any such

2

 

petition or to the appointment of a receiver, conservator, liquidator, assignee, trustee,
sequestrator (or similar official) of such Person or of any substantial part of its property or the
making by it of an assignment for the benefit of creditors, or the admission by it in writing of
its inability to pay its debts generally as they become due and its willingness to be adjudicated a
bankrupt, or the taking of corporate action by such Person in furtherance of any such action.

     “Bankruptcy Laws” has the meaning specified in Section 10.9.

     “Board of Directors” means the board of directors of the Depositor or a committee
designated by the board of directors of the Depositor.

     “Business Day” means a day other than (a) a Saturday or Sunday, (b) a day on which
banking institutions in the City of New York, New York or the City of Wilmington, Delaware are
authorized or required by law or executive order to remain closed or (c) a day on which either the
Property Trustee’s corporate trust office or the Indenture Trustee’s corporate trust office is
closed for business.

     “Capital Treatment Event” means, in respect of the Issuer Trust, and in the event that
the Depositor is a bank holding company for purposes of the Bank Holding Company Act of 1956, as
amended, the receipt by the Property Trustee of an Opinion of Counsel, experienced in such matters
and who may be counsel to the Depositor, and determination by the Depositor that, as a result of
the occurrence of any amendment to, or change (including any announced prospective change) in, the
laws (or any rules or regulations thereunder) of the United States or any political subdivision
thereof or therein, or as a result of any official or administrative pronouncement or action
(including any action taken in connection with a regulatory examination or in connection with or as
a result of any change in regulatory policy) or judicial decision interpreting or applying such
laws or regulations, which amendment or change is effective or such pronouncement, action or
decision is announced on or after the date of the issuance of the Preferred Capital Securities of
the Issuer Trust, there is more than an insubstantial risk that the Depositor will not be entitled
to treat an amount equal to the Liquidation Amount of such Preferred Capital Securities as “Tier 1
Capital” (or the then equivalent thereof) for purposes of the risk-based capital adequacy
guidelines of the Board of Governors of the Federal Reserve System, as then in effect and
applicable to the Depositor.

     “Cede” means Cede & Co., as the nominee of the Depositary.

     “Certificate of Trust” has the meaning specified in the preamble to this Trust
Agreement.

     “Clearing Agency” means an organization registered as a “clearing agency” pursuant to
Section 17A of the Exchange Act. The Depositary shall be the initial Clearing Agency.

     “Clearing Agency Participant” means a broker, dealer, bank, other financial
institution or other Person for whom from time to time a Clearing Agency effects book-entry
transfers and pledges of securities deposited with the Clearing Agency.

     “Closing” and “Closing Date” means the closing of the offering of Trust
Securities as contemplated herein, including any subsequent closings if the parties agree (i) to
close the sale of some, but not all of the Trust Securities offered at closing, (ii) to continue
the offering as to any unsold Trust Securities, if any, or (iii) to offer additional Trust
Securities thereafter.

     “Code” means the Internal Revenue Code of 1986, as amended.

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     “Commission” means the United States Securities and Exchange Commission, or, if at any
time after the execution of this instrument such Commission is not existing and performing the
duties now assigned to it under the Trust Indenture Act, then the body performing such duties at
such time.

     “Common Securities Certificate” means a certificate evidencing ownership of Common
Securities, substantially in the form attached as Exhibit B.

     “Common Security” means an undivided beneficial interest in the assets of the Issuer
Trust, having a Liquidation Amount of $___ and integral multiples in excess thereof and having the
rights provided therefor in this Trust Agreement, including the right to receive Distributions and
a Liquidation Distribution as provided herein.

     “Corporate Trust Office” means the principal office of the Property Trustee located in
the City of Wilmington, Delaware, which at the time of the execution of this Trust Agreement is
located at Rodney Square North, 1100 North Market Street, Wilmington, Delaware 19890, Attention:
Corporate Trust Administration.

     “Debenture Event of Default” means an “Event of Default” as defined in the Indenture.

     “Debenture Redemption Date” means, with respect to any Junior Subordinated Debentures
to be redeemed under the Indenture, the date fixed for redemption of such Junior Subordinated
Debentures under the Indenture.

     “Delaware Statutory Trust Act” means Chapter 38 of Title 12 of the Delaware Code, 12
Del. C. § 3801, et seq., as it may be amended from time to time.

     “Delaware Trustee” means the corporation identified as the “Delaware Trustee” in the
preamble to this Trust Agreement solely in its capacity as Delaware Trustee of the Issuer Trust and
not in its individual capacity, or its successor in interest in such capacity, or any successor
trustee appointed as herein provided.

     “Depositary” means The Depository Trust Company or any successor thereto.

     “Depositor” has the meaning specified in the preamble to this Trust Agreement.

     “Direct Action” has the meaning specified in Section 5.13(c).

     “Distribution Date” has the meaning specified in Section 4.1(a).

     “Distributions” means amounts payable in respect of the Trust Securities as provided
in Section 4.1.

     “DTC” means The Depository Trust Company.

     “Early Termination Event” has the meaning specified in Section 9.2.

     “Event of Default” means any one of the following events (whatever the reason for such
Event of Default and whether it shall be voluntary or involuntary or be effected by operation of
law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of
any administrative or governmental body):

     (1) the occurrence of a Debenture Event of Default; or

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     (2) default by the Issuer Trust in the payment of any Distribution when it becomes due and
payable, and continuation of such default for a period of 30 days; or

     (3) default by the Issuer Trust in the payment of any Redemption Price of any Trust Security
when it becomes due and payable; or

     (4) default in the performance, or breach, in any material respect, of any covenant or
warranty of the Issuer Trustees in this Trust Agreement (other than a covenant or warranty a
default in the performance of which or the breach of which is dealt with in clause (2) or (3)
above) and continuation of such default or breach for a period of 60 days after there has been
given, by registered or certified mail, to the Issuer Trustees and the Depositor by the Holders of
at least 25% in aggregate Liquidation Amount of the Outstanding Preferred Capital Securities, a
written notice specifying such default or breach and requiring it to be remedied and stating that
such notice is a “Notice of Default” hereunder; or

     (5) the occurrence of any Bankruptcy Event with respect to the Property Trustee or all or
substantially all of its property if a successor Property Trustee has not been appointed within a
period of 90 days thereof.

     “Exchange Act” shall mean the Securities Exchange Act of 1934, as amended, and any
successor statute thereto, as amended from time to time.

     “Expiration Date” has the meaning specified in Section 9.1.

     “Global Preferred Capital Securities Certificate” means a Preferred Capital Securities
Certificate evidencing ownership of Preferred Capital Securities, the ownership and transfers of
which shall be made through book entries by a Clearing Agency as described in Section 5.4.

     “Global Preferred Capital Security” means those Preferred Capital Securities evidenced
by the Global Preferred Capital Securities Certificate.

     “Guarantee” means the Guarantee Agreement executed and delivered by the Depositor and
the Guarantee Trustee, contemporaneously with the execution and delivery of this Trust Agreement,
for the benefit of the Holders of the Preferred Capital Securities, as amended from time to time.

     “Guarantee Trustee” means Wilmington Trust Company, solely in its capacity as the
trustee that holds the Guarantee for the benefit of the Holders and not in its individual capacity,
or its successor in interest in such capacity, or any successor trustee appointed as herein
provided.

     “Holder” means a Person in whose name a Trust Security or Trust Securities is
registered in the Securities Register; any such Person shall be a beneficial owner within the
meaning of the Delaware Statutory Trust Act.

     “Indemnified Person” has the meaning provided in Section 8.6.

     “Indenture” means the Junior Subordinated Indenture, dated as of ___, by and between
the Depositor and the Indenture Trustee (as amended or supplemented from time to time), relating to
the issuance of the Junior Subordinated Debentures.

     “Indenture Trustee” means Wilmington Trust Company, a Delaware banking corporation and
any successor.

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     “Investment Company Act” means the Investment Company Act of 1940, as amended.

     “Investment Company Event” means the receipt by the Issuer Trust of an Opinion of
Counsel experienced in such matters to the effect that, as a result of the occurrence of a change
in law or regulation or a written change (including any announced prospective change) in
interpretation or application of law or regulation by any legislative body, court, governmental
agency or regulatory authority, there is more than an insubstantial risk that the Issuer Trust is
or will be considered an “investment company” that is required to be registered under the
Investment Company Act, which change or prospective change becomes effective or would become
effective, as the case may be, on or after the date of the issuance of the Preferred Capital
Securities.

     “Issuer Trust” means the Delaware statutory trust known as “FFBC Capital Trust [ ]”
which was created on ___, 2008 under the Delaware Statutory Trust Act pursuant to the Original
Trust Agreement and the filing of the Certificate of Trust, and continued pursuant to this Trust
Agreement.

     “Issuer Trustees” has the meaning specified in the preamble to this Trust Agreement.

     “Junior Subordinated Debentures” means the ___, issued pursuant to the Indenture.

     “Lien” means any lien, pledge, charge, encumbrance, mortgage, deed of trust, adverse
ownership interest, hypothecation, assignment, security interest or preference, priority or other
security agreement or preferential arrangement of any kind or nature whatsoever.

     “Like Amount” means (a) with respect to a redemption of Trust Securities, Trust
Securities having a Liquidation Amount equal to that portion of the principal amount of Junior
Subordinated Debentures to be contemporaneously redeemed in accordance with the Indenture,
allocated to the Common Securities and to the Preferred Capital Securities pro rata based upon the
relative Liquidation Amounts of such classes and (b) with respect to a distribution of Junior
Subordinated Debentures to Holders of Trust Securities in connection with a dissolution or
liquidation of the Issuer Trust, Junior Subordinated Debentures having a principal amount equal to
the Liquidation Amount of the Trust Securities of the Holder to whom such Junior Subordinated
Debentures are distributed.

     “Liquidation Amount” means the stated amount of $  per Preferred Capital Security and
$1,000.00 per Common Security.

     “Liquidation Date” means the date of the dissolution, winding up or liquidation of the
Issuer Trust pursuant to Section 9.4.

     “Liquidation Distribution” has the meaning specified in Section 9.4(d).

     “Majority in Liquidation Amount of the Preferred Capital Securities” or “Majority
in Liquidation Amount of the Common Securities” means, except as provided by the Trust
Indenture Act, Preferred Capital Securities or Common Securities, as the case may be, representing
more than 50% of the aggregate Liquidation Amount of all then Outstanding Preferred Capital
Securities or Common Securities, as the case may be.

     “Officers’ Certificate” means a certificate signed by the Chairman of the Board, Vice
Chairman of the Board, Chief Executive Officer, President or an Executive Vice President, a Senior
Vice President or Vice President, and by the Treasurer, an Assistant Treasurer, the Chief Financial
Officer, the Secretary or an Assistant Secretary, of the Depositor, and delivered to the party
provided herein. Any Officers’

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Certificate delivered with respect to compliance with a condition or covenant provided for in
this Trust Agreement shall include:

     (1) a statement by each officer signing the Officers’ Certificate that such officer has read
the covenant or condition and the definitions relating thereto;

     (2) a brief statement of the nature and scope of the examination or investigation undertaken
by such officer in rendering the Officers’ Certificate;

     (3) a statement that such officer has made such examination or investigation as, in such
officer’s opinion, is necessary to enable such officer to express an informed opinion as to whether
or not such covenant or condition has been complied with; and

     (4) a statement as to whether, in the opinion of each such officer, such condition or covenant
has been complied with.

     “Opinion of Counsel” means a written opinion of counsel, who may be counsel for or an
employee of the Depositor or any Affiliate of the Depositor.

     “Original Trust Agreement” has the meaning specified in the preamble to this Trust
Agreement.

     “Outstanding,” with respect to Trust Securities, means, as of the date of
determination, all Trust Securities theretofore executed and delivered under this Trust Agreement,
except:

     (1) Trust Securities theretofore canceled by the Property Trustee or delivered to the Property
Trustee for cancellation;

     (2) Trust Securities for whose payment or redemption cash in the necessary amount has been
theretofore deposited with the Property Trustee or any Paying Agent for the Holders of such
Preferred Capital Securities, provided that if such Trust Securities are to be redeemed, notice of
such redemption has been duly given pursuant to this Trust Agreement; and

     (3) Trust Securities that have been paid or for which other Trust Securities have been
executed and delivered in exchange therefor or in lieu thereof pursuant to Sections 5.4, 5.5 and
5.6; provided, however, that in determining whether the Holders of the requisite Liquidation Amount
of the Outstanding Preferred Capital Securities have given any request, demand, authorization,
direction, notice, consent or waiver hereunder, Preferred
Capital Securities owned by the Depositor, any Issuer Trustee, any Administrative Trustee or
any Affiliate of the Depositor, shall be disregarded and deemed not to be Outstanding, except that
(a) in determining whether any Issuer Trustee or any Administrative Trustee shall be protected in
relying upon any such request, demand, authorization, direction, notice, consent or waiver, only
Preferred Capital Securities that such Issuer Trustee or such Administrative Trustee, as the case
may be, knows to be so owned shall be so disregarded and (b) the foregoing shall not apply at any
time when all of the Outstanding Preferred Capital Securities are owned by the Depositor, one or
more of the Issuer Trustees, one or more of the Administrative Trustees and/or any such Affiliate.
Preferred Capital Securities so owned which have been pledged in good faith may be regarded as
Outstanding if the pledgee establishes to the satisfaction of the Administrative Trustees the
pledgee’s right so to act with respect to such Preferred Capital Securities and that the pledgee is
not the Depositor or any Affiliate of the Depositor.

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     “Owner” means each Person who is the beneficial owner of Global Preferred Capital
Securities as reflected in the records of the Clearing Agency or, if a Clearing Agency Participant
is not the Owner, then as reflected in the records of a Person maintaining an account with such
Clearing Agency (directly or indirectly), in accordance with the rules of such Clearing Agency.

     “Paying Agent” means any paying agent or co-paying agent appointed pursuant to Section
5.10 and shall initially be the Property Trustee.

     “Payment Account” means a segregated non-interest-bearing corporate trust account
maintained with the Property Trustee in its trust department for the benefit of the Holders in
which all amounts paid in respect of the Junior Subordinated Debentures will be held and from which
the Property Trustee, through the Paying Agent, shall make payments to the Holders in accordance
with Sections 4.1, 4.2 and 9.4.

     “Person” means a legal person, including any individual, corporation, estate,
partnership, joint venture, association, joint stock company, company, limited liability company,
trust, unincorporated organization or government or any agency or political subdivision thereof, or
any other entity of whatever nature.

     “Preferred Capital Securities Certificate” means a certificate evidencing ownership of
Preferred Capital Securities, substantially in the form attached as Exhibit C.

     “Preferred Capital Security” means a preferred undivided beneficial interest in the
assets of the Issuer Trust, having a Liquidation Amount of $___or an integral multiple in excess of
such amount and having the rights provided therefor in this Trust Agreement, including the right to
receive Distributions and a Liquidation Distribution as provided herein.

     “Property Trustee” means the Person identified as the “Property Trustee” in the
preamble to this Trust Agreement solely in its capacity as Property Trustee of the Issuer Trust and
not in its individual capacity, or its successor in interest in such capacity, or any successor
property trustee appointed as herein provided.

     “Redemption Date” means, with respect to any Trust Security to be redeemed, the date
fixed for such redemption by or pursuant to this Trust Agreement; provided that each Debenture
Redemption Date and the stated maturity of the Junior Subordinated Debentures shall be a Redemption
Date for a Like Amount of Trust Securities, including but not limited to any date of redemption
pursuant to the occurrence of any Special Event.

     “Redemption Price” means a price equal to the Liquidation Amount, together with
accumulated Distributions to, but excluding, the date fixed for redemption.

     “Relevant Trustee” has the meaning specified in Section 8.10.

     “Responsible Officer” when used with respect to the Property Trustee means any officer
assigned to the Corporate Trust Office, including any managing director, vice president, principal,
assistant vice president, assistant treasurer, assistant secretary or any other officer of the
Property Trustee customarily performing functions similar to those performed by any of the above
designated officers and having direct responsibility for the administration of the Indenture, and
also, with respect to a particular matter, any other officer to whom such matter is referred
because of such officer’s knowledge of and familiarity with the particular subject.

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     “Securities Act” means the Securities Act of 1933, as amended, and any successor
statute thereto, in each case as amended from time to time.

     “Senior Indebtedness” has the meaning specified in the Indenture.

     “Securities Register” and “Securities Registrar” have the respective meanings
specified in Section 5.5.

     “Special Event” means any Tax Event, Capital Treatment Event or Investment Company
Event.

     “Successor Preferred Capital Securities Certificate” of any particular Preferred
Capital Securities Certificate means every Preferred Capital Securities Certificate issued after,
and evidencing all or a portion of the same beneficial interest in the Issuer Trust as that
evidenced by, such particular Preferred Capital Securities Certificate; and, for the purposes of
this definition, any Preferred Capital Securities Certificate executed and delivered under Section
5.6 in exchange for or in lieu of a mutilated, destroyed, lost or stolen Preferred Capital
Securities Certificate shall be deemed to evidence the same beneficial interest in the Issuer Trust
as the mutilated, destroyed, lost or stolen Preferred Capital Securities Certificate.

     “Successor Preferred Capital Securities” has the meaning specified in Section 9.5.

     “Tax Event” means the receipt by the Issuer Trust of an Opinion of Counsel experienced
in such matters to the effect that, as a result of any amendment to, or change (including any
announced prospective change) in, the laws (or any regulations thereunder) of the United States or
any political subdivision or taxing authority thereof or therein, or as a result of any official or
administrative pronouncement or action or judicial decision interpreting or applying such laws or
regulations, which amendment or change is effective or which pronouncement, action or decision is
announced on or after the date of issuance of the Preferred Capital Securities (including, without
limitation, any of the foregoing arising with respect to, or resulting from, any proceeding or
other action commencing on or before such date), there is more than an insubstantial risk that (i)
the Issuer Trust is, or will be within 90 days of the delivery of such Opinion of Counsel, subject
to United States federal income tax with respect to income received or accrued on the Junior
Subordinated Debentures, (ii) interest payable by the Depositor on the Junior Subordinated
Debentures is not, or within 90 days of the delivery of such Opinion of Counsel will not be,
deductible by the Depositor, in whole or in part, for United States federal income tax purposes, or
(iii) the Issuer Trust is, or will be within 90 days of the delivery of such Opinion of Counsel,
subject to more than a de minimis amount of other taxes, duties or other governmental charges.

     “Time of Delivery” means any initial and subsequent Closing Date for the delivery of
the Preferred Capital Securities pursuant to an Underwriting Agreement.

     “Trust Agreement” means this Amended and Restated Trust Agreement, as the same may be
modified, amended or supplemented in accordance with the applicable provisions hereof, including
(i) all exhibits hereto, and (ii) for all purposes of this Amended and Restated Trust Agreement any
such modification, amendment or supplement, the provisions of the Trust Indenture Act that are
deemed to be a part of and govern this Amended and Restated Trust Agreement and any modification,
amendment or supplement, respectively.

     “Trust Indenture Act” means the Trust Indenture Act of 1939 or any successor statute,
in each case as amended from time to time.

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     “Trust Property” means (a) the Junior Subordinated Debentures, (b) any cash on deposit
in, or owing to, the Payment Account, (c) all proceeds and rights in respect of the foregoing and
(d) any other property and assets for the time being held or deemed to be held by the Property
Trustee pursuant to the trusts of this Trust Agreement.

     “Trust Securities Certificate” means any one of the Common Securities Certificates or
the Preferred Capital Securities Certificates.

     “Trust Security” means any one of the Common Securities or the Preferred Capital
Securities.

     “Underwriting Agreement” means, collectively, all underwriting, purchase, agency or
similar agreements executed by or on behalf of, the Depositor, the Issuer Trust and the Owners with
an underwriter, purchaser, agent or similar party.

ARTICLE II

CONTINUATION OF THE ISSUER TRUST

SECTION 2.1 Name.

     The Issuer Trust continued hereby shall be known as “FFBC Capital Trust [ ],” as such
name may be modified from time to time by the Administrative Trustees following written notice to
the Holders of Trust Securities and the Issuer Trustees, in which name the Administrative Trustees
and the Issuer Trustees may engage in the transactions contemplated hereby, make and execute
contracts and other instruments on behalf of the Issuer Trust and sue and be sued.

SECTION 2.2 Office of the Delaware Trustee; Principal Place of Business.

     The address of the Delaware Trustee in the State of Delaware is Wilmington Trust Company,
Rodney Square North, 1100 North Market Street, Wilmington, Delaware 19890, Attention: Corporate
Trust Administration, or such other address in the State of Delaware as the Delaware Trustee may
designate by written notice to the Holders and the Depositor. The principal executive office of the
Issuer Trust is in care of First Financial Bancorp., 4000 Smith Road, Cincinnati, Ohio 45209,
Attention:___, as such address may be changed from time to time by the Administrative Trustees
following written notice to the Holders and the other Trustees.

SECTION 2.3 Initial Contribution of Trust Property; Organizational Expenses.

     The Property Trustee acknowledges receipt in trust from the Depositor in connection with the
Original Trust Agreement of the sum of $10.00, which constitutes the initial Trust Property. The
Depositor shall pay all organizational expenses of the Issuer Trust as they arise or shall, upon
request of any Issuer Trustee, promptly reimburse such Issuer Trustee for any such expenses paid by
such Issuer Trustee. The Depositor shall make no claim upon the Trust Property for the payment of
such expenses.

SECTION 2.4 Issuance of the Preferred Capital Securities.

     The Depositor, both on its own behalf and on behalf of the Issuer Trust pursuant to the
Original Trust Agreement, executed and delivered the Underwriting Agreement. Contemporaneously with
the execution and delivery of this Trust Agreement, an Administrative Trustee, on behalf of the
Issuer Trust, shall execute in accordance with Section 5.3 and the Property Trustee shall
authenticate in accordance with Section 5.3 and deliver to the Clearing Agency or its custodian, a
Global Preferred Capital Securities

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Certificate, registered in the name of Cede & Co. and such other clearing agencies as the
Depositor may designate, in an aggregate amount of                      Preferred Capital Securities having an
aggregate Liquidation Amount of $                     , against receipt of the aggregate purchase price in cash of
such Preferred Capital Securities of $                    by the Property Trustee. Contemporaneously with any
subsequent closing pursuant to an Underwriting Agreement or a reopening of the offering of
Preferred Capital Securities hereunder, an Administrative Trustee on behalf of the Issuer Trust,
shall execute in accordance with Section 5.3 and the Property Trustee shall authenticate in
accordance with Section 5.3 and deliver to the Clearing Agency or its custodian, a Global Preferred
Capital Securities Certificate, registered in the name of Cede & Co. and such other clearing
agencies as the Depositor may designate, having an aggregate Liquidation Amount equal to the
Aggregate Liquidation Amount of additional Preferred Capital Securities to be sold at such time,
against receipt by the Property Trustee of the aggregate purchase price in cash equal to the
Liquidation Amount of such Preferred Capital Securities.

SECTION 2.5 Issuance of the Common Securities; Subscription and Purchase of Junior Subordinated
Debentures.

     Contemporaneously with the execution and delivery of this Trust Agreement, an Administrative
Trustee, on behalf of the Issuer Trust, shall execute in accordance with Section 5.3 and the
Property Trustee shall authenticate and shall deliver to the Depositor, Common Securities
Certificates, registered in the name of the Depositor, having an aggregate Liquidation Amount of
$___against receipt of the aggregate purchase price in cash of such Common Securities of $___by
the Property Trustee. Contemporaneously therewith, an Administrative Trustee, on behalf of the
Issuer Trust, shall subscribe for and purchase from the Depositor the Junior Subordinated
Debentures, registered in the name of Wilmington Trust Company, not in its individual capacity, but
solely as Property Trustee for the Issuer Trust, and having an aggregate principal amount equal to
$___, and, in satisfaction of the purchase price for such Junior Subordinated Debentures, the
Property Trustee, on behalf of the Issuer Trust, shall deliver to the Depositor the sum of
$___(being the sum of the amounts delivered to the Property Trustee pursuant to (i) the second
sentence of Section 2.4, and (ii) the first sentence of this Section 2.5) and receive on behalf of
the Issuer Trust the Junior Subordinated Debentures. Contemporaneously with any subsequent closing
pursuant to an Underwriting Agreement or a reopening of the offering of Preferred Capital
Securities hereunder, an Administrative Trustee, on behalf of the Issuer Trust, shall execute in
accordance with Section 5.3 and the Property Trustee shall authenticate and shall deliver to the
Depositor, Common Securities Certificates, registered in the name of the Depositor, such issuance
to be made against receipt by the Property Trustee of the aggregate purchase price in cash of such
Common Securities at their Liquidation Amount. Contemporaneously therewith, an Administrative
Trustee, on behalf of the Issuer Trust, shall subscribe for and purchase from the Depositor the
Junior Subordinated Debentures, registered in the name of Wilmington Trust Company, not in its
individual capacity, but solely as Property Trustee for the Issuer Trust, and having an aggregate
principal amount equal to the sum of the additional Preferred Capital Securities and Common
Securities, and, in satisfaction of the purchase price for such Junior Subordinated Debentures, the
Property Trustee, on behalf of the Issuer Trust, shall deliver to the Depositor cash equal to the
total Liquidation Amount of the new issuance of Preferred Capital Securities and Common Securities
(being the sum of the amounts delivered to the Property Trustee pursuant to (i) the third sentence
of Section 2.4, and (ii) the third sentence of this Section 2.5) and receive the Junior
Subordinated Debentures on behalf of the Issuer Trust.

SECTION 2.6 Authorization to Issue Additional Trust Securities; Authorization to Subscribe and
Purchase Additional Junior Subordinated Debentures.

     During the period ending 90 days following the date of any offering documents for the offer
and sale of Preferred Capital Securities, the Administrative Trustees, acting unanimously on behalf
of the Issuer Trust, at their discretion, may cause the Issuer Trust to issue additional Preferred
Capital Securities and

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Common Securities on the same terms and in the manner and relative proportions set forth in
Sections 2.4 and 2.5; provided, however, that any such additional issuance of Trust Securities
shall occur contemporaneously with the issuance by the Depositor of additional Junior Subordinated
Debentures on the same terms and in the manner set forth in Section 2.5, which shall be subscribed
for and purchased by an Administrative Trustee on behalf of the Issuer Trust, having an aggregate
Liquidation Amount equal to the Aggregate Liquidation Amount of the additional Trust Securities to
be issued. The amount of any issuance of additional Trust Securities by the Issuer Trust, or of
additional Junior Subordinated Debentures by the Depositor, is unlimited.

SECTION 2.7 Declaration of Trust.

     The exclusive purposes and functions of the Issuer Trust are to (a) issue and sell Trust
Securities and use the proceeds from such sale to acquire the Junior Subordinated Debentures, and
(b) engage in only those other activities necessary, convenient or incidental thereto. The
Depositor hereby appoints the Issuer Trustees as trustees of the Issuer Trust, to have all the
rights, powers and duties to the extent set forth herein, and the Issuer Trustees hereby accept
such appointment. The Property Trustee hereby declares that it will hold the Trust Property in
trust upon and subject to the conditions set forth herein for the benefit of the Issuer Trust and
the Holders. The Depositor hereby appoints the Administrative Trustees, with such Administrative
Trustees having all rights, powers and duties set forth herein with respect to accomplishing the
purposes of the Issuer Trust, and the Administrative Trustees hereby accept such appointment;
provided, however, that it is the intent of the parties hereto that such Administrative Trustees
shall not be trustees or, to the fullest extent permitted by law, fiduciaries with respect to the
Issuer Trust and this Trust Agreement shall be construed in a manner consistent with such intent.
The Property Trustee shall have the right and power (but shall not be obligated) to perform those
duties assigned to the Administrative Trustees. The Delaware Trustee, in such capacity, shall not
be entitled to exercise any powers, nor shall the Delaware Trustee, in such capacity, have any of
the duties and responsibilities, of the Property Trustee or the Administrative Trustees set forth
herein. The Delaware Trustee, in such capacity, shall be one of the trustees of the Issuer Trust
for the sole and limited purpose of fulfilling the requirements of Section 3807 of the Delaware
Statutory Trust Act and for taking such actions as are required to be taken by a Delaware trustee
under the Delaware Statutory Trust Act.

SECTION 2.8 Authorization to Enter into Certain Transactions.

          (a) The Issuer Trustees and the Administrative Trustees shall conduct the affairs of the
Issuer Trust in accordance with the terms of this Trust Agreement. Subject to the limitations set
forth in paragraph (b) of this Section and in accordance with the following provisions (i), (ii)
and (iii), the Issuer Trustees and the Administrative Trustees shall act as follows:

               (i) each Administrative Trustee, acting jointly or singly, shall:

                    (A) comply with the Underwriting Agreement regarding the issuance and sale of the Trust
Securities;

                    (B) assist in compliance with the Securities Act, applicable state securities or blue sky
laws, and the Trust Indenture Act;

                    (C) assist in the listing of the Preferred Capital Securities upon such securities exchange or
exchanges, if any, as shall be determined by the Depositor, with the registration of the Preferred
Capital Securities under the Exchange Act, if required or if requested by the Depositor, and the
preparation and filing of all periodic and other reports and other documents pursuant to the
foregoing;

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                    (D) execute the Trust Securities on behalf of the Issuer Trust in accordance with this Trust
Agreement;

                    (E) execute and deliver an application for a taxpayer identification number for the Issuer
Trust;

                    (F) assist in the filing with the Commission, at such time as determined by the Depositor, any
registration statement, if any, under the Securities Act relating to the Trust Securities,
including any amendments thereto;

                    (G) unless otherwise required by the Trust Indenture Act, execute on behalf of the Issuer
Trust any documents that the Administrative Trustees have the power to execute pursuant to this
Trust Agreement; and

                    (H) take any action incidental to the foregoing as necessary or advisable to give effect to
the terms of this Trust Agreement.

               (ii) The Property Trustee shall have the power and authority to act on behalf of the Issuer
Trust with respect to the following matters:

                    (A) the establishment of the Payment Account;

                    (B) the receipt of the Junior Subordinated Debentures;

                    (C) the receipt and collection of interest, principal and any other payments made in respect
of the Junior Subordinated Debentures in the Payment Account;

                    (D) the distribution of amounts owed to the Holders in respect of the Trust Securities;

                    (E) the exercise of all of the rights, powers and privileges of a holder of the Junior
Subordinated Debentures;

                    (F) the sending of notices of default and other information regarding the Trust Securities and
the Junior Subordinated Debentures to the Holders thereof in accordance with this Trust Agreement;

                    (G) the distribution of the Trust Property in accordance with the terms of this Trust
Agreement;

                    (H) to the extent provided in this Trust Agreement, the winding-up of the affairs of and
liquidation of the Issuer Trust and the preparation, execution and filing of the certificate of
cancellation with the Secretary of State of the State of Delaware; and

                    (I) after an Event of Default (other than under paragraph (2), (3), (4), or (5) of the
definition of such term if such Event of Default is by or with respect to the Property Trustee),
comply with the provisions of this Trust Agreement and take any action to give effect to the terms
of this Trust Agreement and protect and conserve the Trust Property for the benefit of the Holders
(without consideration of the effect of any such action on any particular Holder); provided,
however, that nothing in this Section 2.8(a)(ii) shall require the Property Trustee to take any
action that is not otherwise required in this Trust Agreement.

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               (iii) The Administrative Trustees shall comply with the listing requirements of the Preferred
Capital Securities upon such securities exchange or exchanges, if any, as shall be determined by
the Depositor, the registration of the Preferred Capital Securities under the Exchange Act, if
required or if requested by the Depositor, and the preparation and filing of all periodic and other
reports and other documents pursuant to the foregoing.

          (b) So long as this Trust Agreement remains in effect, the Issuer Trust (or the Issuer
Trustees or Administrative Trustees acting on behalf of the Issuer Trust) shall not undertake any
business, activity or transaction except as expressly provided herein or contemplated hereby. In
particular, neither the Issuer Trustees nor the Administrative Trustees shall (i) acquire any
investments or engage in any activities not authorized by this Trust Agreement, (ii) sell, assign,
transfer, exchange, mortgage, pledge, set-off or otherwise dispose of any of the Trust Property or
interests therein, including to Holders, except as expressly provided herein, (iii) ensure that
neither the Depositor nor the Holders will instruct them to take any action that would cause the
Issuer Trust to become taxable other than as a grantor trust for United States Federal income tax
purposes, (iv) incur any indebtedness for borrowed money or issue any other debt, or (v) take or
consent to any action that would result in the placement of a Lien on any of the Trust Property,
except as expressly provided herein. The Property Trustee shall defend, to the fullest extent
permitted by law, and at the expense of the Depositor, all claims and demands of all Persons at any
time claiming any Lien on any of the Trust Property adverse to the interest of the Issuer Trust or
the Holders in their capacity as Holders.

          (c) In connection with the issue and sale of the Preferred Capital Securities, the Depositor
shall have the right and responsibility to assist the Issuer Trust with respect to, or effect on
behalf of the Issuer Trust, the following (and any actions taken by the Depositor in furtherance of
the following prior to the date of this Trust Agreement are hereby ratified and confirmed in all
respects):

               (i) the preparation, execution and filing with the Commission of a registration statement on
the appropriate form under the Securities Act or the preparation of offering documents in reliance
on one or more exemptions from registration under the Securities Act with respect to the Preferred
Capital Securities;

               (ii) the determination of the states in which to take appropriate action to qualify or
register for sale or necessary to obtain any exemption from such qualification or registration of
all or part of the Preferred Capital Securities and the determination of any and all such acts,
other than actions that must be taken by or on behalf of the Issuer Trust, and the advice to the
Issuer Trustees of actions they must take on behalf of the Issuer Trust, and the preparation for
execution and filing of any documents to be executed and filed by the Issuer Trust or on behalf of
the Issuer Trust, as the Depositor deems necessary or advisable in order to comply with the
applicable laws of any such States in connection with the offer and sale of the Preferred Capital
Securities;

               (iii) the preparation for filing by the Issuer Trust and execution on behalf of the Issuer
Trust of an application to the New York Stock Exchange or any other national stock exchange or any
other automated quotation system for listing upon notice of issuance of any Capital Securities and
filing with such exchange or self-regulatory organization such notification and documents as may be
necessary from time to time to maintain such listing

               (iv) the negotiation of the terms of, and the execution and delivery of, the Underwriting
Agreement providing for the sale of the Preferred Capital Securities; and

               (v) the taking of any other actions necessary or desirable to carry out any of the foregoing
activities.

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          (d) Notwithstanding anything herein to the contrary, the Administrative Trustees are
authorized and directed to conduct the affairs of the Issuer Trust and to operate the Issuer Trust
so that the Issuer Trust will not be deemed to be an “investment company” required to be registered
under the Investment Company Act, and will not be taxable other than as a grantor trust for United
States Federal income tax purposes and so that the Junior Subordinated Debentures will be treated
as indebtedness of the Depositor for United States Federal income tax purposes. In this connection,
the Property Trustee and the Holders of Common Securities are authorized to take any action, not
inconsistent with applicable law, the Certificate of Trust or this Trust Agreement, that the
Property Trustee and Holders of Common Securities determine in their discretion to be necessary or
desirable for such purposes, as long as such action does not adversely affect in any material
respect the interests of the Holders of the Outstanding Preferred Capital Securities. In no event
shall the Administrative Trustees or the Issuer Trustees be liable to the Issuer Trust or the
Holders for any failure to comply with this Section that results from a change in law or
regulations or in the interpretation thereof.

SECTION 2.9 Assets of Trust.

     The assets of the Issuer Trust shall consist solely of the Trust Property.

SECTION 2.10 Title to Trust Property.

     Legal title to all Trust Property shall be vested at all times in the Property Trustee (in its
capacity as such) and shall be held and administered by the Property Trustee for the benefit of the
Issuer Trust and the Holders in accordance with this Trust Agreement.

ARTICLE III

PAYMENT ACCOUNT

SECTION 3.1 Payment Account.

          (a) At or prior to the Closing Date, the Property Trustee shall establish the Payment Account.
The Property Trustee and its agents shall have exclusive control and sole right of withdrawal with
respect to the Payment Account for the purpose of making deposits in and withdrawals from the
Payment Account in accordance with this Trust Agreement. All monies and other property deposited or
held from time to time in the Payment Account shall be held by the Property Trustee in the Payment
Account for the exclusive benefit of the Holders and for distribution as herein provided, including
(and subject to) any priority of payments provided for herein.

          (b) The Property Trustee shall deposit in the Payment Account, promptly upon receipt, all
payments of principal of or interest on, and any other payments or proceeds with respect to, the
Junior Subordinated Debentures. Amounts held in the Payment Account shall not be invested by the
Property Trustee pending distribution thereof.

ARTICLE IV

DISTRIBUTIONS; REDEMPTION

SECTION 4.1 Distributions.

          (a) The Trust Securities represent undivided beneficial interests in the Trust Property, and
Distributions (including of Additional Amounts) will be made on the Trust Securities at the rate
and on

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the dates that payments of interest (including of Additional Interest, as defined in the
Indenture) are made on the Junior Subordinated Debentures. Accordingly:

               (i) Distributions on the Trust Securities shall be cumulative and will accumulate whether or
not there are funds of the Issuer Trust available for the payment of Distributions. Distributions
shall accumulate from the date of issue of the Trust Securities, and, except in the event (and to
the extent) that the Depositor exercises its right to defer the payment of interest on the Junior
Subordinated Debentures pursuant to the Indenture, shall be payable quarterly in arrears on the
                    day of                     ,                     ,           
       , and                     of each year, commencing on                     .
If any date on which a
Distribution is otherwise payable on the Trust Securities is not a Business Day, then the payment
of such Distribution shall be made on the next succeeding day that is a Business Day (without any
additional Distributions or other payment in respect of any such delay), except that, if such
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 on which
such payment was originally payable (each date on which distributions are payable in accordance
with this Section 4.1(a)(i), a “Distribution Date”).

               (ii) So long as no Debenture Event of Default has occurred and is continuing, the Depositor
has the right under the Indenture to defer the payment of interest on the Junior Subordinated
Debentures at any time and from time to time for a period not exceeding 20 consecutive quarterly
periods (an “Extension Period”), provided that no Extension Period may extend beyond [Date
30 years after first Distribution Date], or end on a date that is not a scheduled interest payment
date. As a consequence of any such deferral, quarterly Distributions on the Trust Securities by the
Issuer Trust will also be deferred and the amount of Distributions to which Holders of the Trust
Securities are entitled will accumulate additional Distributions thereon at a rate of ___% per
annum of the Liquidation Amount, from the relevant payment date for such Distributions, computed in
the same manner as set forth for Distributions in subsection 4.1(a)(i) immediately above. The term
“Distributions” as used in Section 4.1 shall include any such additional Distributions provided
pursuant to this Section 4.1(a)(ii).

               (iii) Distributions on the Trust Securities shall be made by the Property Trustee from the
Payment Account and shall be payable on each Distribution Date only to the extent that the Issuer
Trust has funds then on hand and available in the Payment Account for the payment of such
Distributions.

          (b) Distributions on the Trust Securities with respect to a Distribution Date shall be payable
to the Holders thereof as they appear on the Securities Register for the Trust Securities at the
close of business on the relevant record date, which shall be at the close of business on the
fifteenth day of the month in which the relevant Distribution Date occurs (or if such date is not a
Business Day, the immediately preceding Business Day).

SECTION 4.2 Redemption.

          (a) On each Debenture Redemption Date and on the stated maturity of the Junior Subordinated
Debentures, the Issuer Trust will be required to redeem a Like Amount of Trust Securities at the
Redemption Price.

          (b) Notice of redemption shall be given by the Property Trustee by first-class mail, postage
prepaid, mailed not less than 30 nor more than 60 days prior to the Redemption Date to each Holder
of Trust Securities to be redeemed, at such Holder’s address appearing in the Securities Register.
All notices of redemption shall state:

               (i) the Redemption Date;

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               (ii) the Redemption Price, or if the Redemption Price cannot be calculated prior to the time
the notice is required to be sent, the estimate of the Redemption Price provided pursuant to the
Indenture together with a statement that it is an estimate and that the actual Redemption Price
will be calculated on the third Business Day prior to the Redemption Date (and if an estimate is
provided, a further notice shall be sent of the actual Redemption Price on the date, or as soon as
practicable thereafter, that notice of such actual Redemption Price is received pursuant to the
Indenture);

               (iii) the CUSIP number or CUSIP numbers of the Preferred Capital Securities affected;

               (iv) if less than all the Outstanding Trust Securities are to be redeemed, the identification
and the total Liquidation Amount of the particular Trust Securities to be redeemed;

               (v) that on the Redemption Date, the Redemption Price will become due and payable upon each
such Trust Security to be redeemed and that Distributions thereon will cease to accumulate on and
after said date, except as provided in Section 4.2(d) below; and

               (vi) the place or places where Trust Securities are to be surrendered for the payment of the
Redemption Price.

     The Issuer Trust in issuing the Trust Securities may use “CUSIP” or “private placement”
numbers (if then generally in use), and, if so, the Property Trustee shall indicate the “CUSIP” or
“private placement” numbers of the Trust Securities in notices of redemption and related materials
as a convenience to Holders; provided, that any such notice may state that no representation is
made as to the correctness of such numbers either as printed on the Trust Securities or as
contained in any notice of redemption and related material.

          (c) The Trust Securities redeemed on each Redemption Date shall be redeemed at the Redemption
Price with the applicable proceeds from the contemporaneous redemption of Junior Subordinated
Debentures. Redemptions of the Trust Securities shall be made and the Redemption Price shall be
payable on each Redemption Date only to the extent that the Issuer Trust has funds then on hand and
available in the Payment Account for the payment of such Redemption Price.

          (d) If the Issuer Trust gives a notice of redemption in respect of any Preferred Capital
Securities, then, by 12:00 noon, Eastern Time, on the Redemption Date, subject to Section 4.2(c),
the Property Trustee will, with respect to Preferred Capital Securities held in global form,
irrevocably deposit with the Clearing Agency for such Preferred Capital Securities, to the extent
available therefor, funds sufficient to pay the applicable Redemption Price and will give such
Clearing Agency irrevocable instructions and authority to pay the Redemption Price to the Holders
of the Preferred Capital Securities. With respect to Preferred Capital Securities that are not held
in global form, if any, the Property Trustee, subject to Section 4.2(c), will irrevocably deposit
with the Paying Agent, to the extent available therefor, funds sufficient to pay the applicable
Redemption Price and will give the Paying Agent irrevocable instructions and authority to pay the
Redemption Price to the Holders of the Preferred Capital Securities upon surrender of their
Preferred Capital Securities Certificates. Notwithstanding the foregoing, Distributions payable on
or prior to the Redemption Date for any Trust Securities called for redemption shall be payable to
the Holders of such Trust Securities as they appear on the Securities Register for the Trust
Securities on the relevant record dates for the related Distribution Dates. If notice of redemption
shall have been given and funds deposited as required, then, upon the date of such deposit, all
rights of Holders holding Trust Securities so called for redemption will cease, except the right of
such Holders to receive the Redemption Price and any Distribution payable in respect of the Trust
Securities on or prior to the Redemption Date, but without interest, and such Trust Securities will
cease to be Outstanding. In the event that any date on which any applicable Redemption Price is
payable is not a Business Day, then

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payment of the applicable Redemption Price 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), in each case, with the same force and effect as if made on such date. In the event
that payment of the Redemption Price in respect of any Trust Securities called for redemption is
improperly withheld or refused and not paid either by the Issuer Trust or by the Depositor pursuant
to the Guarantee, Distributions on such Trust Securities will continue to accumulate, as set forth
in Section 4.1 and in accordance with the continued accrual of interest on the Junior Subordinated
Debentures, from the Redemption Date originally established by the Issuer Trust for such Trust
Securities to the date such applicable Redemption Price is actually paid, in which case the actual
payment date will be the date fixed for redemption for purposes of calculating the applicable
Redemption Price.

          (e) Subject to Section 4.3(a), if less than all the Outstanding Trust Securities are to be
redeemed on a Redemption Date, then the aggregate Liquidation Amount of such Trust Securities to be
redeemed shall be allocated pro rata to the Common Securities and the Preferred Capital Securities
based on the relative aggregate Liquidation Amounts of such classes. The particular Preferred
Capital Securities to be redeemed shall be selected on a pro rata basis based on their respective
Liquidation Amounts not more than 60 days prior to the Redemption Date by the Property Trustee from
the Outstanding Preferred Capital Securities not previously called for redemption, or if the
Preferred Capital Securities are then held in the form of a Global Preferred Security in accordance
with the customary procedures for the Clearing Agency. The Property Trustee shall promptly notify
the Securities Registrar in writing of the aggregate Liquidation Amount of Preferred Capital
Securities to be redeemed and the particular Preferred Capital Securities selected for redemption.
For all purposes of this Trust Agreement, unless the context otherwise requires, all provisions
relating to the redemption of Preferred Capital Securities shall relate, in the case of any
Preferred Capital Securities redeemed, to the portion of the aggregate Liquidation Amount of
Preferred Capital Securities that has been or is to be redeemed.

SECTION 4.3 Subordination of Common Securities.

          (a) Payment of Distributions (including Additional Amounts, if applicable) on, the Redemption
Price of, and the Liquidation Distribution in respect of, the Trust Securities, as applicable,
shall be made, as set forth in Section 4.2(e), pro rata among the Common Securities and the
Preferred Capital Securities based on the Liquidation Amount of such Trust Securities; provided,
however, that if on any Distribution Date or Redemption Date any Event of Default resulting from a
Debenture Event of Default in Sections 5.1(1) or 5.1(2) of the Indenture shall have occurred and be
continuing, no payment of any Distribution (including any Additional Amounts) on, Redemption Price
of, or Liquidation Distribution in respect of, any Common Security, and no other payment on account
of the redemption, liquidation or other acquisition of Common Securities, shall be made, unless
payment in full in cash of all accumulated and unpaid Distributions (including any Additional
Amounts) on all Outstanding Preferred Capital Securities for all Distribution periods terminating
on or prior thereto, or, in the case of payment of the Redemption Price, the full amount of such
Redemption Price on all Outstanding Preferred Capital Securities then called for redemption, or in
the case of payment of the Liquidation Distribution, the full amount of such Liquidation
Distribution on all Outstanding Preferred Capital Securities, shall have been made or provided for,
and all funds immediately available to the Property Trustee shall first be applied to the payment
in full in cash of all Distributions (including any Additional Amounts) on, or the Redemption Price
of, or Liquidation Distribution in respect of, Preferred Capital Securities then due and payable.
The existence of an Event of Default does not entitle the Holders of Preferred Capital Securities
to accelerate the maturity thereof.

          (b) In the case of the occurrence of any Event of Default resulting from any Debenture Event
of Default, the Holder of the Common Securities shall be deemed to have waived any right to act
with respect to any such Event of Default under this Trust Agreement until the effects of all such
Events of

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Default with respect to the Preferred Capital Securities have been cured, waived or otherwise
eliminated. Until all such Events of Default under this Trust Agreement with respect to the
Preferred Capital Securities have been so cured, waived or otherwise eliminated, to the fullest
extent permitted by applicable law, the Property Trustee shall act solely on behalf of the Holders
of the Preferred Capital Securities and not on behalf of the Holder of the Common Securities, and
only the Holders of the Preferred Capital Securities will have the right to direct the Property
Trustee to act on their behalf.

SECTION 4.4 Payment Procedures.

     Payments of Distributions (including any Additional Amounts) in respect of the Preferred
Capital Securities shall be made by check mailed to the address of the Person entitled thereto as
such address shall appear on the Securities Register or, if the Preferred Capital Securities are
held by a Clearing Agency, such Distributions shall be made to the Clearing Agency in immediately
available funds, which will credit the relevant accounts on the applicable Distribution Dates.
Payments in respect of the Common Securities shall be made in such manner as shall be mutually
agreed between the Property Trustee and the Holder of the Common Securities.

SECTION 4.5 Tax Returns and Reports.

     The Administrative Trustees shall prepare (or cause to be prepared), at the Depositor’s
expense, and file all United States federal, state and local tax and information returns and
reports required to be filed by or in respect of the Issuer Trust. In this regard, the
Administrative Trustees shall (a) prepare and file (or cause to be prepared and filed) all Internal
Revenue Service forms required to be filed in respect of the Issuer Trust in each taxable year of
the Issuer Trust and (b) prepare and furnish (or cause to be prepared and furnished) to each Holder
all Internal Revenue Service forms required to be provided by the Issuer Trust. The Administrative
Trustees shall provide the Depositor and the Property Trustee with a copy of all such returns and
reports promptly after such filing or furnishing. The Issuer Trustees shall comply with United
States Federal withholding and backup withholding tax laws and information reporting requirements
with respect to any payments to Holders under the Trust Securities.

     On or before December 15 of each year during which any Preferred Capital Securities are
Outstanding, the Administrative Trustees shall furnish to the Paying Agent such information as may
be reasonably requested by the Property Trustee in order that the Property Trustee may prepare the
information which it is required to report for such year on Internal Revenue Service Forms 1096 and
1099 pursuant to Section 6049 of the Code. Such information shall include the amount of original
issue discount includable in income for each Outstanding Preferred Capital Security during such
year, if any.

SECTION 4.6 Payment of Taxes, Duties, Etc. of the Issuer Trust.

     Upon receipt under the Junior Subordinated Debentures of Additional Sums, the Property Trustee
shall promptly pay any taxes, duties or governmental charges of whatsoever nature (other than
withholding taxes) imposed on the Issuer Trust by the United States or any other taxing authority
out of the proceeds of the Additional Sums.

SECTION 4.7 Payments under Indenture or Pursuant to Direct Actions.

     Any amount payable hereunder to any Holder of Preferred Capital Securities shall be reduced by
the amount of any corresponding payment such Holder (or Owner) has directly received pursuant to
Section 5.8 of the Indenture or Section 5.13 of this Trust Agreement.

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SECTION 4.8 Liability of the Holder of Common Securities.

     The Holder of Common Securities shall be liable for the debts and obligations of the Issuer
Trust as set forth in Section 6.6 of the Indenture regarding allocation of expenses.

ARTICLE V

TRUST SECURITIES CERTIFICATES

SECTION 5.1 Initial Ownership.

     Upon the creation of the Issuer Trust and the contribution by the Depositor pursuant to
Section 2.3 and until the issuance of the Trust Securities, and at any time during which no Trust
Securities are Outstanding, the Depositor shall be the sole beneficial owner of the Issuer Trust.

SECTION 5.2 The Trust Securities Certificates.

          (a) The Trust Securities Certificates shall be issued in fully registered form. The Trust
Securities Certificates shall be executed on behalf of the Issuer Trust by manual or facsimile
signature of at least one Administrative Trustee. Trust Securities Certificates bearing the manual
or facsimile signatures of individuals who were, at the time when such signatures shall have been
affixed, authorized to sign on behalf of the Issuer Trust, shall be validly issued and entitled to
the benefits of this Trust Agreement, notwithstanding that such individuals or any of them shall
have ceased to be so authorized prior to the delivery of such Trust Securities Certificates or did
not hold such offices at the date of delivery of such Trust Securities Certificates. A transferee
of a Trust Securities Certificate shall become a Holder, and shall be entitled to the rights and
subject to the obligations of a Holder hereunder, upon due registration of such Trust Securities
Certificate in such transferee’s name pursuant to Section 5.5.

          (b) Upon their original issuance, Preferred Capital Securities Certificates shall be issued in
the form of one or more Global Preferred Capital Securities Certificates, registered in the name of
Cede as the Depositary’s nominee and deposited with or on behalf of Depositary for credit by
Depositary to the respective accounts of the Owners thereof (or such other accounts as they may
direct). Except as set forth herein, record ownership of the Global Preferred Capital Securities
may be transferred, in whole or in part, only to another nominee of Depositary or to a successor of
the Depository or its nominee.

          (c) A Common Securities Certificate representing the Common Securities shall be issued to the
Depositor in the form of a definitive Common Securities Certificate.

          (d) Notwithstanding any other provision of
this Trust Agreement, so long as a Trust Securities Certificate is a
Global Security, the parties hereto will be bound at all times by the
applicable procedures of the Depository with respect to such Trust
Securities Certificates.

SECTION 5.3 Execution and Delivery of Trust Securities Certificates.

     At the Time of Delivery, an Administrative Trustee shall execute, on behalf of the Trust,
Trust Securities Certificates, in an aggregate Liquidation Amount as provided in Sections 2.4, 2.5
and 2.6, and deliver such Trust Securities Certificates to the Property Trustee for authentication.
Upon such delivery, the Property Trustee shall authenticate such Trust Securities Certificates and
deliver such Trust Securities Certificates in authorized denominations upon the written order of
the Trust, executed by an Administrative Trustee thereof, without further corporate action by the
Depositor.

SECTION 5.4 Global Preferred Capital Securities.

          (a) The Global Preferred Capital Security issued under this Trust Agreement shall be
registered in the name of Cede & Co., as the nominee of the Clearing Agency and delivered to such

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custodian therefor, or, in the name of and delivered to such other Clearing Agencies as the
Depositor may direct, and such Global Preferred Capital Security shall constitute a single
Preferred Capital Security for all purposes of this Trust Agreement.

          (b) Notwithstanding any other provision in this Trust Agreement, the Global Preferred Capital
Security may not be exchanged in whole or in part for registered Preferred Capital Securities, and
no transfer of the Global Preferred Capital Security in whole or in part may be registered, in the
name of any Person other than the Clearing Agency for such Global Preferred Capital Security, Cede
& Co., or other nominee thereof or of other Clearing Agencies unless: (i) such Clearing Agency
advises the Depositor and the Property Trustee in writing that such Clearing Agency is no longer
willing or able to properly discharge its responsibilities as the Clearing Agency with respect to
such Global Preferred Capital Security, and the Depositor is unable to locate a qualified successor
within 90 days, (ii) at any time the Depositary ceases to be a Clearing Agency registered as such
under the Exchange Act, or (iii) the Depositor on behalf of the Issuer Trust at its option advises
the Depositary in writing that it elects to terminate the book-entry system through the Clearing
Agency.

          (c) If the Global Preferred Capital Security is to be exchanged or canceled in whole, it shall
be surrendered by or on behalf of the Clearing Agency or its nominee to the Securities Registrar
for exchange or cancellation as provided in this Article V. If the Global Preferred Capital
Security is to be exchanged or canceled in part, or if another Preferred Capital Security is to be
exchanged in whole or in part for a beneficial interest in the Global Preferred Capital Security,
then either: (i) such Global Preferred Capital Security shall be so surrendered for exchange or
cancellation as provided in this Article V, or (ii) the Liquidation Amount thereof shall be reduced
or increased by an amount equal to the portion thereof to be so exchanged or canceled or equal to
the Liquidation Amount of such other Preferred Capital Security to be so exchanged for a beneficial
interest therein, as the case may be, by means of an appropriate adjustment made on the records of
the Securities Registrar, whereupon the Property Trustee, in accordance with the Applicable
Procedures, shall instruct the Clearing Agency or its authorized representative to make a
corresponding adjustment to its records. Upon any such surrender or adjustment of the Global
Preferred Capital Security by the Clearing Agency, accompanied by registration instructions, the
Property Trustee shall, subject to Section 5.4(b) and as otherwise provided in this Article V,
authenticate and deliver any Preferred Capital Securities as instructed by the Administrative
Trustees, issuable in exchange for such Global Preferred Capital Security (or any portion thereof)
in accordance with the instructions of the Clearing Agency. The Property Trustee shall not be
liable for any delay in delivery of such instructions and may conclusively rely on, and shall be
fully protected in relying on, such instructions.

          (d) Every Preferred Capital Security authenticated and delivered upon registration of,
transfer of, or in exchange for or in lieu of, the Global Preferred Capital Security or any portion
thereof, whether pursuant to this Article V or Article IV or otherwise, shall be authenticated and
delivered in the form of, and shall be, a Global Preferred Capital Security, unless such Global
Preferred Capital Security is registered in the name of a Person other than the Clearing Agency for
such Global Preferred Capital Security or a nominee thereof.

          (e) The Clearing Agency or its nominee, as the registered owner of the Global Preferred
Capital Security, shall be considered the Holder of the Preferred Capital Securities represented by
the Global Preferred Capital Security for all purposes under this Trust Agreement and the Preferred
Capital Securities, and Owners of beneficial interests in the Global Preferred Capital Security
shall hold such interests pursuant to the Applicable Procedures and, except as otherwise provided
herein, shall not be entitled to have any of the individual Preferred Capital Securities
represented by the Global Preferred Capital Security registered in their names, shall not receive
nor be entitled to receive physical delivery of any such Preferred Capital Securities in definitive
form and shall not be considered the Holders thereof

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under this Trust Agreement. Accordingly, any such Owner’s beneficial interest in the Global
Preferred Capital Security shall be shown only on, and the transfer of such interest shall be
effected only through, records maintained by the Clearing Agency or its nominee. Neither the
Property Trustee nor the Securities Registrar shall have any liability in respect of any transfers
effected by the Clearing Agency.

          (f) The rights of Owners of beneficial interests in the Global Preferred Capital Security
shall be exercised only through the Clearing Agency and shall be limited to those established by
law and agreements between such Owners and the Clearing Agency.

SECTION 5.5 Registration of Transfer and Exchange of Preferred Capital Securities
Certificates.

          (a) The Property Trustee shall keep or cause to be kept at its Corporate Trust Office a
register or registers (the “Securities Register”) for the purpose of registering Preferred
Capital Securities Certificates and Common Securities Certificates and transfers and exchanges of
Preferred Capital Securities Certificates and Common Securities Certificates and acting as the
registrar and transfer agent with respect to the Preferred Capital Securities and Common Securities
Certificates (the “Securities Registrar”), subject to such reasonable regulations as it may
prescribe, and shall provide for the registration of Preferred Capital Securities Certificates and
Common Securities Certificates (subject to Section 5.11 in the case of Common Securities
Certificates) in the Securities Register. The Property Trustee is hereby appointed Securities
Registrar.

     Upon surrender for registration of transfer of any Preferred Capital Securities Certificate at
the offices or agencies of the Property Trustee designated for that purpose, the Administrative
Trustees shall execute, and the Property Trustee shall authenticate and deliver, in the name of the
designated transferee or transferees, one or more new Preferred Capital Securities Certificates of
the same series of any authorized denominations of like tenor and aggregate principal amount and
bearing such restrictive legends as may be required by this Trust Agreement.

     At the option of the Holder, Preferred Capital Securities Certificates may be exchanged for
other Preferred Capital Securities Certificates of any authorized denominations, of like tenor and
aggregate Liquidation Amount and bearing such restrictive legends as may be required by this Trust
Agreement upon surrender of the Preferred Capital Securities Certificates to be exchanged at such
office or agency of the Property Trustee. Whenever any securities are so surrendered for exchange,
the Administrative Trustees shall execute and the Property Trustee shall authenticate and deliver
the Preferred Capital Securities Certificates that the Holder making the exchange is entitled to
receive.

     All Preferred Capital Securities issued upon any transfer or exchange of Preferred Capital
Securities shall be the valid obligations of the Issuer Trust, evidencing the same obligations, and
entitled to the same benefits under this Trust Agreement, as the Preferred Capital Securities
surrendered upon such transfer or exchange.

     Every Preferred Capital Securities Certificate presented or surrendered for transfer or
exchange shall (if so required by the Property Trustee) be duly endorsed, or be accompanied by a
written instrument of transfer in form satisfactory to the Property Trustee and the Securities
Registrar, duly executed by the Holder thereof or such Holder’s attorney duly authorized in
writing.

     No service charge shall be made to a Holder for any transfer or exchange of Preferred Capital
Securities Certificates, but the Property Trustee may require payment of a sum sufficient to cover
any tax or other governmental charge that may be imposed in connection with any transfer or
exchange of Preferred Capital Securities Certificates.

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     Neither the Issuer Trust nor the Property Trustee shall be required, pursuant to the
provisions of this Section: (i) to issue, register the transfer of, or exchange any Preferred
Capital Securities Certificates during a period beginning at the opening of 15 Business Days before
the day of selection for redemption of Preferred Capital Securities pursuant to Article IV and
ending at the close of business on the day of mailing of the notice of redemption, or (ii) to
register the transfer of or exchange any Preferred Capital Security so selected for redemption in
whole or in part, except, in the case of any such Preferred Capital Security to be redeemed in
part, any portion thereof not to be redeemed.

          (b) Certain Transfers and Exchanges. Notwithstanding any other provision of this Trust
Agreement, transfers and exchanges of Preferred Capital Securities and beneficial interests in a
Global Preferred Capital Security shall be made only in accordance with this Section 5.

          (c) Exchanges Between Global Preferred Capital Security and Non-Global Preferred Capital
Security. A beneficial interest in the Global Preferred Capital Security may be exchanged for a
Preferred Capital Security that is not a Global Preferred Capital Security only as provided in
Section 5.4.

SECTION 5.6 Mutilated, Destroyed, Lost or Stolen Trust Securities Certificates.

     If (a) any mutilated Trust Securities Certificate shall be surrendered to the Securities
Registrar, or if the Securities Registrar shall receive evidence to its satisfaction of the
destruction, loss or theft of any Trust Securities Certificate and (b) there shall be delivered to
the Securities Registrar and the Administrative Trustees such security, indemnity and/or other
assurance as may be required by them, in their discretion, to save each of them harmless, then in
the absence of notice that such Trust Securities Certificate shall have been acquired by a bona
fide purchaser, the Administrative Trustees, or any one of them, on behalf of the Issuer Trust
shall execute and make available for delivery, and the Property Trustee shall authenticate, in
exchange for or in lieu of any such mutilated, destroyed, lost or stolen Trust Securities
Certificate, a new Trust Securities Certificate of like class, tenor and denomination. In
connection with the issuance of any new Trust Securities Certificate under this Section, the
Administrative Trustees or the Securities Registrar may require the payment of a sum sufficient to
cover any tax or other governmental charge that may be imposed in connection therewith. Any
duplicate Trust Securities Certificate issued pursuant to this Section 5.6 shall constitute
conclusive evidence of an undivided beneficial interest in the assets of the Issuer Trust
corresponding to that evidenced by the lost, stolen or destroyed Trust Securities Certificate, as
if originally issued, whether or not the lost, stolen or destroyed Trust Securities Certificate
shall be found at any time.

SECTION 5.7 Persons Deemed Holders.

     The Issuer Trustees and the Securities Registrar shall treat the Person in whose name any
Trust Securities are issued as the sole owner of such Trust Securities for the purpose of receiving
Distributions and for all other purposes whatsoever, and none of the Issuer Trustees, the
Administrative Trustees or the Securities Registrar shall be bound by any notice to the contrary.

SECTION 5.8 Access to List of Holders’ Names and Addresses.

     Each Holder and each Owner shall be deemed to have agreed not to hold the Depositor, the
Property Trustee, or the Administrative Trustees accountable by reason of the disclosure of its
name and address, regardless of the source from which such information was derived.

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SECTION 5.9 Maintenance of Office or Agency.

     The Property Trustee shall designate, with the consent of the Administrative Trustees, which
consent shall not be unreasonably withheld, an office or offices or agency or agencies where
Preferred Capital Securities Certificates may be surrendered for registration of transfer or
exchange and where notices and demands to or upon the Issuer Trustees in respect of the Trust
Securities Certificates may be served. The Property Trustee initially designates its Corporate
Trust Office as its corporate trust office for such purposes. The Property Trustee shall give
prompt written notice to the Depositor, the Administrative Trustees and to the Holders of any
change in the location of the Securities Register or any such office or agency.

SECTION 5.10 Appointment of Paying Agent.

     The Paying Agent shall make Distributions to Holders from the Payment Account and shall report
the amounts of such Distributions to the Property Trustee and the Administrative Trustees. Any
Paying Agent shall have the revocable power to withdraw funds from the Payment Account solely for
the purpose of making the Distributions referred to above. The Property Trustee may revoke such
power and remove any Paying Agent in its sole discretion. The Paying Agent shall initially be the
Property Trustee. Any Person acting as Paying Agent shall be permitted to resign as Paying Agent
upon 30 days’ written notice to the Administrative Trustees and the Property Trustee. In the event
that the Property Trustee shall no longer be the Paying Agent or a successor Paying Agent shall
resign or its authority to act be revoked, the Property Trustee shall appoint a successor (which
shall be a bank or trust company) that is reasonably acceptable to the Administrative Trustees to
act as Paying Agent. Such successor Paying Agent or any additional Paying Agent appointed by the
Administrative Trustees shall execute and deliver to the Issuer Trustees an instrument in which
such successor Paying Agent or additional Paying Agent shall agree with the Issuer Trustees that as
Paying Agent, such successor Paying Agent or additional Paying Agent will hold all sums, if any,
held by it for payment to the Holders in trust for the benefit of the Holders entitled thereto
until such sums shall be paid to such Holders. The Paying Agent shall return all unclaimed funds to
the Property Trustee and upon removal of a Paying Agent such Paying Agent shall also return all
funds in its possession to the Property Trustee. The provisions of Sections 8.1, 8.3 and 8.6 herein
shall apply to the Bank also in its role as Paying Agent, for so long as the Bank shall act as
Paying Agent and, to the extent applicable, to any other paying agent appointed hereunder. Any
reference in this Trust Agreement to the Paying Agent shall include any co-paying agent chosen by
the Property Trustee, unless the context requires otherwise.

SECTION 5.11 Ownership of Common Securities by Depositor.

     At Time of Delivery, the Depositor shall acquire and retain beneficial and record ownership of
the Common Securities. Neither the Depositor nor any successor Holder of the Common Securities may
transfer less than all the Common Securities, and the Depositor or any such successor Holder may
transfer the Common Securities only (i) in connection with a consolidation or merger of the
Depositor into another Person or any conveyance, transfer or lease by the Depositor of its
properties and assets substantially as an entirety to any Person, pursuant to Section 8.1 of the
Indenture, or (ii) to an Affiliate of the Depositor in compliance with applicable law (including
the Securities Act and applicable state securities and blue sky laws); provided that any such
transfer shall be subject to the condition that the transferor shall have obtained (A) either a
ruling from the Internal Revenue Service or an unqualified written Opinion of Counsel by a firm
experienced in such matters addressed to the Issuer Trust and delivered to the Issuer Trustees to
the effect that such transfer will not (1) cause the Issuer Trust to be treated as issuing a class
of interests in the Issuer Trust differing from the class of interests represented by the Common
Securities originally issued to the Depositor, (2) result in the Issuer Trust acquiring or
disposing of, or being deemed to have acquired or disposed of, an asset, or (3) result in or cause
the Issuer

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Trust to be treated as anything other than a grantor trust for United States Federal income
tax purposes and (B) an unqualified written Opinion of Counsel by a firm experienced in such
matters addressed to the Issuer Trust and delivered to the Issuer Trustees to the effect that such
transfer will not cause the Issuer Trust to be an “investment company” or controlled by an
“investment company” that is required to be registered under the Investment Company Act. To the
fullest extent permitted by law, any attempted transfer of the Common Securities, other than as set
forth in the immediately preceding sentence, shall be void. The Administrative Trustees shall cause
each Common Securities Certificate issued to the Depositor to contain a legend stating “THIS
CERTIFICATE IS NOT TRANSFERABLE EXCEPT IN COMPLIANCE WITH APPLICABLE LAW AND SECTION 5.11 OF THE
TRUST AGREEMENT.”

SECTION 5.12 Notices to Clearing Agency.

     To the extent that a notice or other communication to the Holders is required under this Trust
Agreement, with respect to Preferred Capital Securities represented by Global Preferred Capital
Securities Certificates, the Administrative Trustees and the Issuer Trustees shall give all such
notices and communications specified herein to be given to the Clearing Agency, and shall have no
obligations to give such notice or other communication to the Owners.

SECTION 5.13 Rights of Holders; Waivers of Past Defaults.

          (a) The legal title to the Trust Property is vested exclusively in the Property Trustee (in
its capacity as such) in accordance with Section 2.10, and the Holders shall not have any right or
title therein other than the undivided beneficial  interest in the assets of the Issuer
Trust conferred by their Trust Securities and they shall have no right to call for any partition or
division of property, profits or rights of the Issuer Trust, except as described below. The Trust
Securities shall be personal property giving only the rights specifically set forth therein and in
this Trust Agreement. The Trust Securities shall have no preemptive or similar rights, and when
issued and delivered to Holders against payment of the purchase price therefor, as provided herein,
will be fully paid and nonassessable by the Issuer Trust. Except as otherwise provided in Section
4.8, the Holders of the Trust Securities, in their capacities as such, shall be entitled to the
same limitation of personal liability extended to stockholders of private corporations for profit
organized under the General Corporation Laws of the State of Delaware.

          (b) For so long as any Preferred Capital Securities remain Outstanding, if, upon a Debenture
Event of Default, the Indenture Trustee fails or the holders of not less than 25% in principal
amount of the outstanding Junior Subordinated Debentures fail to declare the principal of all of
the Junior Subordinated Debentures to be immediately due and payable, the Holders of at least 25%
in Liquidation Amount of the Preferred Capital Securities then Outstanding shall have such right to
make such declaration by a notice in writing to the Property Trustee, the Depositor and the
Indenture Trustee.

     At any time after such a declaration of acceleration with respect to the Junior Subordinated
Debentures has been made and before a judgment or decree for payment of the money due has been
obtained by the Indenture Trustee as provided in the Indenture, the Holders of a Majority in
Liquidation Amount of the Preferred Capital Securities, by written notice to the Property Trustee,
the Depositor and the Indenture Trustee, may rescind and annul such declaration and its
consequences if:

               (i) the Depositor has paid or deposited with the Indenture Trustee a sum sufficient to pay

                    (A) all overdue installments of interest on all of the Junior Subordinated Debentures,

                    (B) any accrued Additional Interest on all of the Junior Subordinated Debentures,

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                    (C) the principal of (and premium, if any, on) any Junior Subordinated Debentures which have
become due otherwise than by such declaration of acceleration and interest and any Additional
Interest thereon at the rate borne by the Junior Subordinated Debentures, and

                    (D) all sums paid or advanced by the Indenture Trustee under the Indenture and the reasonable
compensation, expenses, disbursements and advances of the Indenture Trustee and the Property
Trustee, their agents and counsel; and

               (ii) all Events of Default with respect to the Junior Subordinated Debentures, other than the
non-payment of the principal of the Junior Subordinated Debentures that has become due solely by
such acceleration, have been cured or waived as provided in Section 5.13 of the Indenture.

     If the Property Trustee fails to annul any such declaration and waive such default, the
Holders of at least a Majority in Liquidation Amount of the Preferred Capital Securities shall also
have the right to rescind and annul such declaration and its consequences by written notice to the
Depositor, the Property Trustee and the Indenture Trustee, subject to the satisfaction of the
conditions set forth in clauses (i) and (ii) of this Section 5.13(b).

     The Holders of at least a Majority in Liquidation Amount of the Preferred Capital Securities
may, on behalf of the Holders of all the Preferred Capital Securities, waive any past default under
the Indenture, except a default in the payment of principal or interest (unless such default has
been cured and a sum sufficient to pay all matured installments of interest and principal due
otherwise than by acceleration has been deposited with the Indenture Trustee) or a default in
respect of a covenant or provision which under the Indenture cannot be modified or amended without
the consent of the holder of each outstanding Junior Subordinated Debenture. No such rescission
shall affect any subsequent default or impair any right consequent thereon.

     Upon receipt by the Property Trustee of written notice declaring such an acceleration, or
rescission and annulment thereof, by Holders of the Preferred Capital Securities, all or part of
which is represented by the Global Preferred Capital Securities Certificate, a record date shall be
established for determining Holders of Outstanding Preferred Capital Securities entitled to join in
such notice, which record date shall be at the close of business on the day the Property Trustee
receives such notice. The Holders on such record date, or their duly designated proxies, and only
such Persons, shall be entitled to join in such notice, whether or not such Holders remain Holders
after such record date; provided that, unless such declaration of acceleration, or rescission and
annulment, as the case may be, shall have become effective by virtue of the requisite percentage
having joined in such notice prior to the day which is 90 days after such record date, such notice
of declaration of acceleration, or rescission and annulment, as the case may be, shall
automatically and without further action by any Holder be canceled and of no further effect.
Nothing in this paragraph shall prevent a Holder, or a proxy of a Holder, from giving, after
expiration of such 90-day period, a new written notice of declaration of acceleration, or
rescission and annulment thereof, as the case may be, that is identical to a written notice which
has been canceled pursuant to the proviso to the preceding sentence, in which event a new record
date shall be established pursuant to the provisions of this Section 5.13(b).

          (c) For so long as any Preferred Capital Securities remain Outstanding, to the fullest extent
permitted by law and subject to the terms of this Trust Agreement and the Indenture, upon a
Debenture Event of Default specified in Section 5.1(1) or 5.1(2) of the Indenture, any Holder of
Preferred Capital Securities shall have the right to institute a proceeding directly against the
Depositor, pursuant to Section 5.8 of the Indenture, for enforcement of payment to such Holder of
the principal amount of or interest on Junior Subordinated Debentures having an aggregate principal
amount equal to the aggregate Liquidation Amount of the Preferred Capital Securities of such Holder
(a “Direct Action”). Except as set forth in

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Sections 5.13(b) and 5.13(c), the Holders of Preferred Capital Securities shall have no right
to exercise directly any right or remedy available to the holders of, or in respect of, the Junior
Subordinated Debentures.

          (d) Except as otherwise provided in paragraphs (a), (b) and (c) of this Section 5.13, the
Holders of at least a Majority in Liquidation Amount of the Preferred Capital Securities may, on
behalf of the Holders of all the Preferred Capital Securities, waive any past default or Event of
Default and its consequences. Upon such waiver, any such default or Event of Default shall cease to
exist, and any default or Event of Default arising there from shall be deemed to have been cured,
for every purpose of this Trust Agreement, but no such waiver shall extend to any subsequent or
other default or Event of Default or impair any right consequent thereon.

SECTION 5.14 CUSIP Numbers.

     The
Administrative Trustees in issuing the Preferred Capital Securities may use “CUSIP” numbers (if then
generally in use), and, if so, the Property Trustee shall use “CUSIP” numbers in notices of
redemption as a convenience to Holders; provided that any such notice may state that no
representation is made as to the correctness of such numbers either as printed on the Property
Capital Securities or as contained in any notice of a redemption and that reliance may be placed
only on the other identification numbers printed on the Preferred Capital Securities, and any such
redemption shall not be affected by any defect in or omission of such numbers. The Administrative
Trustees will promptly notify the Property Trustee of any change in the CUSIP numbers.

ARTICLE VI

ACTS OF HOLDERS; MEETINGS; VOTING

SECTION 6.1 Limitations on Holders’ Voting Rights.

          (a) Except as provided in this Trust Agreement and in the Indenture and as otherwise required
by law, no Holder of Preferred Capital Securities shall have any right to vote or in any manner
otherwise control the administration, operation and management of the Issuer Trust or the
obligations of the parties hereto, nor shall anything herein set forth or contained in the terms of
the Trust Securities Certificates be construed so as to constitute the Holders from time to time as
members of an association.

          (b) So long as any Junior Subordinated Debentures are held by the Property Trustee on behalf
of the Issuer Trust, the Property Trustee shall not (i) direct the time, method and place of
conducting any proceeding for any remedy available to the Indenture Trustee, or execute any trust
or power conferred on the Property Trustee with respect to such Junior Subordinated Debentures,
(ii) waive any past default that may be waived under Section 5.13 of the Indenture, (iii) exercise
any right to rescind or annul a declaration that the principal of all the Junior Subordinated
Debentures shall be due and payable or (iv) consent to any amendment, modification or termination
of the Indenture or the Junior Subordinated Debentures, where such consent shall be required,
without, in each case, obtaining the prior approval of the Holders of at least a Majority in
Liquidation Amount of the Preferred Capital Securities, provided, however, that where a consent
under the Indenture would require the consent of each holder of Junior Subordinated Debentures
affected thereby, no such consent shall be given by the Property Trustee without the prior written
consent of each Holder of Preferred Capital Securities. The Property Trustee shall not revoke any
action previously authorized or approved by a vote of the Holders of Preferred Capital Securities,
except by a subsequent vote of the Holders of Preferred Capital Securities. The Property Trustee
shall notify all Holders of the Preferred Capital Securities of any notice of default

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received with respect to the Junior Subordinated Debentures. In addition to obtaining the
foregoing approvals of the Holders of the Preferred Capital Securities, prior to taking any of the
foregoing actions, the-Property Trustee shall, at the expense of the Depositor, obtain an Opinion
of Counsel experienced in such matters to the effect that such action will not cause the Issuer
Trust to be taxable other than as a grantor trust for United States Federal income tax purposes.

          (c) If any proposed amendment to the Trust Agreement provides for, or the Issuer Trust
otherwise proposes to effect, (i) any action that would adversely affect in any material respect
the interests, powers, preferences or special rights of the Preferred Capital Securities, whether
by way of amendment to the Trust Agreement or otherwise, or (ii) the dissolution, winding-up or
termination of the Issuer Trust, other than pursuant to the terms of this Trust Agreement, then the
Holders of Outstanding Trust Securities as a class will be entitled to vote on such amendment or
proposal and such amendment or proposal shall not be effective except with the approval of the
Holders of at least a Majority in Liquidation Amount of the Preferred Capital Securities.
Notwithstanding any other provision of this Trust Agreement, no amendment to this Trust Agreement
may be made if, as a result of such amendment, it would cause the Issuer Trust to be taxable other
than as a grantor trust for United States Federal income tax purposes.

SECTION 6.2 Notice of Meetings.

     Notice of all meetings of the Holders, stating the time, place and purpose of the meeting,
shall be given by the Property Trustee pursuant to Section 10.8 to each Holder of record, at his
registered address, at least 15 days and not more than 90 days before the meeting. At any such
meeting, any business properly before the meeting may be so considered whether or not stated in the
notice of the meeting. Any adjourned meeting may be held as adjourned without further notice.

SECTION 6.3 Meetings of Holders.

     No annual meeting of Holders is required to be held. The Property Trustee, however, shall call
a meeting of Holders to vote on any matter upon the written request of the Holders of record of 25%
of the aggregate Liquidation Amount of the Preferred Capital Securities and the Administrative
Trustees or the Property Trustee may, at any time in their discretion, call a meeting of Holders of
Preferred Capital Securities to vote on any matters as to which Holders are entitled to vote.

     Holders of at least a Majority in Liquidation Amount of the Preferred Capital Securities,
present in person or represented by proxy, shall constitute a quorum at any meeting of Holders of
the Preferred Capital Securities.

     If a quorum is present at a meeting, an affirmative vote by the Holders of record present, in
person or by proxy, holding Preferred Capital Securities representing at least a Majority in
Liquidation Amount of the Preferred Capital Securities held by the Holders present, either in
person or by proxy, at such meeting shall constitute the action of the Holders of Preferred Capital
Securities, unless this Trust Agreement requires a greater number of affirmative votes.

SECTION 6.4 Voting Rights.

     Holders shall be entitled to one vote for each $___of Liquidation Amount represented by their
Outstanding Trust Securities in respect of any matter as to which such Holders are entitled to
vote.

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SECTION 6.5 Proxies, etc.

     At any meeting of Holders, any Holder entitled to vote at such meeting may vote by proxy,
provided that no proxy shall be voted at any meeting unless it shall have been placed on file with
the Property Trustee, or with such other officer or agent of the Issuer Trust as the Property
Trustee may direct, for verification prior to the time at which such vote shall be taken. Pursuant
to a resolution of the Property Trustee, proxies may be solicited in the name of the Property
Trustee or one or more officers of the Property Trustee. Only Holders of record shall be entitled
to vote. When Trust Securities are held jointly by several persons, any one of them may vote at any
meeting in person or by proxy in respect of such Trust Securities, but if more than one of them
shall be present at such meeting in person or by proxy, and such joint owners or their proxies so
present disagree as to any vote to be cast, such vote shall not be received in respect of such
Trust Securities. A proxy purporting to be executed by or on behalf of a Holder shall be deemed
valid unless challenged at or prior to its exercise, and the burden of proving invalidity shall
rest on the challenger. No proxy shall be valid more than three years after its date of execution.

SECTION 6.6 Holder Action by Written Consent.

     Any action that may be taken by Holders at a meeting may be taken without a meeting and
without prior notice if Holders holding at least a Majority in Liquidation Amount of all Trust
Securities entitled to vote in respect of such action (or such larger proportion thereof as shall
be required by any other provision of this Trust Agreement) shall consent to the action in writing.

SECTION 6.7 Record Date for Voting and Other Purposes.

     For the purposes of determining the Holders who are entitled to notice of and to vote at any
meeting or by written consent, or to participate in any distribution on the Trust Securities in
respect of which a record date is not otherwise provided for in this Trust Agreement, or for the
purpose of any other action, the Administrative Trustees or Property Trustee may from time to time
fix a date, not more than 90 days prior to the date of any meeting of Holders or the payment of a
distribution or other action, as the case may be, as a record date for the determination of the
identity of the Holders of record for such purposes.

SECTION 6.8 Acts of Holders.

     Any request, demand, authorization, direction, notice, consent, waiver or other action
provided or permitted by this Trust Agreement to be given, made or taken by Holders may be embodied
in and evidenced by one or more instruments of substantially similar tenor signed by such Holders
in person or by an agent duly appointed in writing; and, except as otherwise expressly provided
herein, such action shall become effective when such instrument or instruments are delivered to the
Property Trustee. Such instrument or instruments (and the action embodied therein and evidenced
thereby) are herein sometimes referred to as an “Act” of the Holders signing such
instrument or instruments. Proof of execution of any such instrument or of a writing appointing any
such agent shall be sufficient for any purpose of this Trust Agreement and (subject to Section 8.1)
conclusive in favor of the Issuer Trustees, if made in the manner provided in this Section.

     The fact and date of the execution by any Person of any such instrument or writing may be
proved by the affidavit of a witness of such execution or by a certificate of a notary public or
other officer authorized by law to take acknowledgments of deeds, certifying that the individual
signing such instrument or writing acknowledged to him the execution thereof. Where such execution
is by a signer acting in a capacity other than his individual capacity, such certificate or
affidavit shall also constitute sufficient proof of his authority. The fact and date of the
execution of any such instrument or writing, or

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the authority of the Person executing the same, may also be proved in any other manner which
any Issuer Trustee or Administrative Trustee receiving the same deems sufficient.

     The ownership of Trust Securities shall be proved by the Securities Register.

     Any request, demand, authorization, direction, notice, consent, waiver or other Act of the
Holder of any Trust Security shall bind every future Holder of the same Trust Security and the
Holder of every Trust Security issued upon the registration of transfer thereof or in exchange
therefor or in lieu thereof in respect of anything done, omitted or suffered to be done by the
Issuer Trustees, the Administrative Trustees or the Issuer Trust in reliance thereon, whether or
not notation of such action is made upon such Trust Security.

     Without limiting the foregoing, a Holder entitled hereunder to take any action hereunder with
regard to any particular Trust Security may do so with regard to all or any part of the Liquidation
Amount of such Trust Security or by one or more duly appointed agents each of which may do so
pursuant to such appointment with regard to all or any part of such Liquidation Amount.

     If any dispute shall arise among the Holders, the Administrative Trustees or the Issuer
Trustees with respect to the authenticity, validity or binding nature of any request, demand,
authorization, direction, consent, waiver or other Act of such Holder or Issuer Trustee under this
Article VI, then the determination of such matter by the Property Trustee shall be conclusive with
respect to such matter.

SECTION 6.9 Inspection of Records.

     Upon reasonable notice to the Administrative Trustees and the Property Trustee, the records of
the Issuer Trust shall be open to inspection by Holders during normal business hours for any
purpose reasonably related to such Holder’s interest as a Holder.

ARTICLE VII

REPRESENTATIONS AND WARRANTIES

SECTION 7.1 Representations and Warranties of the Property Trustee and the Delaware
Trustee.

     The Property Trustee and the Delaware Trustee, each severally on behalf of and as to itself,
hereby represents and warrants for the benefit of the Depositor and the Holders that:

          (a) The Property Trustee is a banking corporation with trust powers, duly organized, validly
existing and in good standing under the laws of the State of Delaware with the trust powers and
authority to execute and deliver, and to carry out and perform its obligations under the terms of
this Trust Agreement.

          (b) The execution, delivery and performance by the Property Trustee of this Trust Agreement
have been duly authorized by all necessary corporate action on the part of the Property Trustee;
and this Trust Agreement has been duly executed and delivered by the Property Trustee, and
constitutes a legal, valid and binding obligation of the Property Trustee, enforceable against it
in accordance with its terms, subject to applicable bankruptcy, reorganization, receivership,
conservatorship, moratorium, insolvency, and other similar laws affecting creditors’ rights
generally and to general principles of equity and the discretion of the court (regardless of
whether the enforcement of such remedies is considered in a proceeding in equity or at law).

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          (c) The execution, delivery and performance of this Trust Agreement by the Property Trustee do
not conflict with or constitute a breach of the certificate of incorporation or by-laws of the
Property Trustee.

          (d) At Time of Delivery, the Property Trustee has not knowingly created any Liens on the Trust
Securities.

          (e) No consent, approval or authorization of, or registration with or notice to, any state or
federal banking authority is required for the execution, delivery or performance by the Property
Trustee, of this Trust Agreement.

          (f) The Delaware Trustee is duly organized, validly existing and in good standing under the
laws of the State of Delaware, with the trust powers and authority to execute and deliver, and to
carry out and perform its obligations under the terms of, this Trust Agreement.

          (g) The execution, delivery and performance by the Delaware Trustee of this Trust Agreement
have been duly authorized by all necessary corporate action on the part of the Delaware Trustee;
and this Trust Agreement has been duly executed and delivered by the Delaware Trustee, and
constitutes a legal, valid and binding obligation of the Delaware Trustee, enforceable against it
in accordance with its terms, subject to applicable bankruptcy, reorganization, receivership,
conservatorship, moratorium, insolvency, and other similar laws affecting creditors’ right
generally and to general principles of equity and the discretion of the court (regardless of
whether the enforcement of such remedies is considered in a proceeding in equity or at law).

          (h) The execution, delivery and performance of this Trust Agreement by the Delaware Trustee do
not conflict with or constitute a breach of the certificate of incorporation or by-laws of the
Delaware Trustee.

          (i) No consent, approval or authorization of, or registration with or notice to any state or
Federal banking authority is required for the execution, delivery or performance by the Delaware
Trustee, of this Trust Agreement.

          (j) The Delaware Trustee is an entity that has its principal place of business in the State of
Delaware.

SECTION 7.2 Representations and Warranties of Depositor.

     The Depositor hereby represents and warrants for the benefit of the Holders that:

          (a) The Trust Securities Certificates issued at Time of Delivery on behalf of the Issuer Trust
have been duly authorized and will have been duly and validly executed, and, subject to payment
therefor, issued and delivered by the Issuer Trustees pursuant to the terms and provisions of, and
in accordance with the requirements of, this Trust Agreement, and the Holders will be, as of each
such date, entitled to the benefits of this Trust Agreement; and

          (b) There are no taxes, fees or other governmental charges payable by the Issuer Trust (or the
Issuer Trustees on behalf of the Issuer Trust) under the laws of the State of Delaware or any
political subdivision thereof in connection with the execution, delivery and performance by either
the Property Trustee or the Delaware Trustee, as the case may be, of this Trust Agreement.

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ARTICLE VIII

THE ISSUER TRUSTEES; THE ADMINISTRATIVE TRUSTEES

SECTION 8.1 Certain Duties and Responsibilities.

          (a) The duties and responsibilities of the Issuer Trustees and the Administrative Trustees
shall be as provided by this Trust Agreement and, in the case of the Property Trustee, by the Trust
Indenture Act. Notwithstanding the foregoing, no provision of this Trust Agreement shall require
the Issuer Trustees or the Administrative Trustees to expend or risk their own funds or otherwise
incur any financial liability in the performance of any of their duties hereunder, or in the
exercise of any of their rights or powers, if they shall have reasonable grounds for believing that
repayment of such funds or adequate indemnity against such risk or liability is not reasonably
assured to it. Whether or not herein expressly so provided, every provision of this Trust Agreement
relating to the conduct or affecting the liability of or affording protection to the Issuer
Trustees or the Administrative Trustees shall be subject to the provisions of this Section. Nothing
in this Trust Agreement shall be construed to release an Administrative Trustee or an Issuer
Trustee from liability for its own negligent action, its own negligent failure to act, or its own
willful misconduct. To the extent that, at law or in equity, an Issuer Trustee or Administrative
Trustee has duties and liabilities relating to the Issuer Trust or to the Holders, such Issuer
Trustee or Administrative Trustee shall not be liable to the Issuer Trust or to any Holder for such
Issuer Trustee’s or Administrative Trustee’s good faith reliance on the provisions of this Trust
Agreement. The provisions of this Trust Agreement, to the extent that they restrict or eliminate the duties and
liabilities of the Issuer Trustees and Administrative Trustees otherwise existing at law or in
equity, are agreed by the Depositor and the Holders to replace such other duties and liabilities of
the Issuer Trustees and Administrative Trustees.

          (b) All payments made by the Property Trustee or a Paying Agent in respect of the Trust
Securities shall be made only from the revenue and proceeds from the Trust Property and only to the
extent that there shall be sufficient revenue or proceeds from the Trust Property to enable the
Property Trustee or a Paying Agent to make payments in accordance with the terms hereof. Each
Holder, by its acceptance of a Trust Security, agrees that it will look solely to the revenue and
proceeds from the Trust Property to the extent legally available for distribution to it as herein
provided and that neither the Issuer Trustees nor the Administrative Trustees are personally liable
to it for any amount distributable in respect of any Trust Security or for any other liability in
respect of any Trust Security. This Section 8.1(b) does not limit the liability of the Issuer
Trustees expressly set forth elsewhere in this Trust Agreement or, in the case of the Property
Trustee, in the Trust Indenture Act.

          (c) The Property Trustee, before the occurrence of any Event of Default and after the curing
of all Events of Default that may have occurred, shall undertake to perform only such duties as are
specifically set forth in this Trust Agreement (including pursuant to Section 10.10), and no
implied covenants shall be read into this Trust Agreement against the Property Trustee. If an Event
of Default has occurred (that has not been cured or waived pursuant to Section 5.13 of the
Indenture), the Property Trustee shall enforce this Trust Agreement for the benefit of the Holders
and shall exercise such of the rights and powers vested in it by this Trust Agreement, and use the
same degree of care and skill in its exercise thereof, as a prudent person would exercise or use
under the circumstances in the conduct of his or her own affairs.

          (d) No provision of this Trust Agreement shall be construed to relieve the Property Trustee
from liability for its own negligent action, its own negligent failure to act, or its own willful
misconduct, except that:

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               (i) prior to the occurrence of any Event of Default and after the curing or waiving of all
such Events of Default that may have occurred:

                    (A) the duties and obligations of the Property Trustee shall be determined solely by the
express provisions of this Trust Agreement (including pursuant to Section 10.10), and the Property
Trustee shall not be liable except for the performance of such duties and obligations as are
specifically set forth in this Trust Agreement (including pursuant to Section 10.10); and

                    (B) in the absence of bad faith on the part of the Property Trustee, the Property Trustee may
conclusively rely, as to the truth of the statements and the correctness of the opinions expressed
therein, upon any certificates or opinions furnished to the Property Trustee and conforming to the
requirements of this Trust Agreement; but in the case of any such certificates or opinions that by
any provision hereof or of the Trust Indenture Act are specifically required to be furnished to the
Property Trustee, the Property Trustee shall be under a duty to examine the same to determine
whether or not they conform to the requirements of this Trust Agreement;

               (ii) the Property Trustee shall not be liable for any error of judgment made in good faith by
an authorized officer of the Property Trustee, unless it shall be proved that the Property Trustee
was negligent in ascertaining the pertinent facts;

               (iii) the Property Trustee shall not be liable with respect to any action taken or omitted to
be taken by it in good faith in accordance with the direction of the Holders of at least a Majority
in Liquidation Amount of the Preferred Capital Securities relating to the time, method and place of
conducting any proceeding for any remedy available to the Property Trustee, or exercising any trust
or power conferred upon the Property Trustee under this Trust Agreement;

               (iv) the Property Trustee’s sole duty with respect to the custody, safe keeping and physical
preservation of the Junior Subordinated Debentures and the Payment Account shall be to deal with
such property in a similar manner as the Property Trustee deals with similar property for its own
account, subject to the protections and limitations on liability afforded to the Property Trustee
under this Trust Agreement and the Trust Indenture Act;

               (v) the Property Trustee shall not be liable for any interest on any money received by it
except as it may otherwise agree with the Depositor; and money held by the Property Trustee need
not be segregated from other funds held by it except in relation to the Payment Account maintained
by the Property Trustee pursuant to Section 3.1 and except to the extent otherwise required by law;

               (vi) the Property Trustee shall not be responsible for monitoring the compliance by the
Administrative Trustees or the Depositor with their respective duties under this Trust Agreement,
nor shall the Property Trustee be liable for the default or misconduct of any other Issuer Trustee,
the Administrative Trustees or the Depositor; and

               (vii) no provision of this Trust Agreement shall require the Property Trustee to expend or
risk its own funds or otherwise incur personal financial liability in the performance of any of its
duties or in the exercise of any of its rights or powers, if the Property Trustee shall have
reasonable grounds for believing that the repayment of such funds or liability is not reasonably
assured to it under the terms of this Trust Agreement or adequate indemnity against such risk or
liability is not reasonably assured to it.

          (e) The Administrative Trustees shall not be responsible for monitoring the compliance by the
Issuer Trustees or the Depositor with their respective duties under this Trust Agreement, nor shall
any

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Administrative Trustee be liable for the default or misconduct of any other Administrative
Trustee, the Issuer Trustees or the Depositor.

SECTION 8.2 Certain Notices.

          (a) Within 30 Business Days after the occurrence of any Event of Default actually known to a
Responsible Officer of the Property Trustee, the Property Trustee shall transmit, in the manner and
to the extent provided in Section 10.8, notice of such Event of Default to the Holders and the
Administrative Trustees, unless such Event of Default shall have been cured or waived.

          (b) Within five Business Days after the receipt of notice of the Depositor’s exercise of its
right to defer the payment of interest on the Junior Subordinated Debentures pursuant to the
Indenture, the Property Trustee shall transmit, in the manner and to the extent provided in Section
10.8, notice of such exercise to the Holders and the Administrative Trustees, unless such exercise
shall have been revoked.

SECTION 8.3 Certain Rights of Property Trustee.

     Subject to the provisions of Section 8.1:

          (a) the Property Trustee may conclusively rely and shall be fully protected in acting or
refraining from acting in good faith upon any resolution, Opinion of Counsel, certificate, written
representation of a Holder or transferee, certificate of auditors or any other certificate,
statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond,
debenture, note, other evidence of indebtedness or other paper or document (including e-mail,
facsimile or other electronic transmission) believed by it to be genuine and to have been signed or
presented by the proper party or parties (without being required to determine the correctness of
any fact stated therein);

          (b) any direction or act of the Depositor contemplated by this Trust Agreement shall be
sufficiently evidenced by an Officers’ Certificate;

          (c) the Property Trustee shall have no duty to see to any recording, filing or registration of
any instrument (including any financing or continuation statement or any filing under tax or
securities laws) or any re-recording, refiling or re-registration thereof;

          (d) the Property Trustee may consult with counsel of its own choosing (which counsel may be
counsel to the Depositor or any of its Affiliates, and may include any of its employees) and the
advice of such counsel shall be full and complete authorization and protection in respect of any
action taken suffered or omitted by it hereunder in good faith and in reliance thereon and in
accordance with such advice; the Property Trustee shall have the right at any time to seek
instructions concerning the administration of this Trust Agreement from any court of competent
jurisdiction;

          (e) the Property Trustee shall be under no obligation to exercise any of the rights or powers
vested in it by this Trust Agreement at the request or direction of any of the Holders pursuant to
this Trust Agreement, unless such Holders shall have offered to the Property Trustee security or
indemnity satisfactory to it against the costs, expenses and liabilities which might be incurred by
it in compliance with such request or direction; provided that nothing contained in this Section
8.3(e) shall be taken to relieve the Property Trustee, upon the occurrence of an Event of Default,
of its obligation to exercise the rights and powers vested in it by this Trust Agreement;

          (f) the Property Trustee shall not be bound to make any investigation into the facts or
matters stated in any resolution, certificate, statement, instrument, opinion, report, notice,
request,

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consent, order, approval, bond, debenture, note or other evidence of indebtedness or other
paper or document, unless requested in writing to do so by one or more Holders, but the Property
Trustee may make such further inquiry or investigation into such facts or matters as it may see
fit;

          (g) the Property Trustee may execute any of the trusts or powers hereunder or perform any of
its duties hereunder either directly or by or through its agents or attorneys, provided that the
Property Trustee shall not be responsible for any misconduct or negligence on the part of any agent
or attorney appointed with due care by it hereunder;

          (h) whenever in the administration of this Trust Agreement the Property Trustee shall deem it
desirable to receive instructions with respect to enforcing any remedy or right or taking any other
action hereunder, the Property Trustee (i) may request instructions from the Holders (which
instructions may only be given by the Holders of the same proportion in Liquidation Amount of the
Trust Securities as would be entitled to direct the Property Trustee under the terms of the Trust
Securities in respect of such remedy, right or action), (ii) may refrain from enforcing such remedy
or right or taking such other action until such instructions are received, and (iii) shall be fully
protected in acting in accordance with such instructions;

          (i) except as otherwise expressly provided by this Trust Agreement, the Property Trustee shall
not be under any obligation to take any action that is discretionary under the provisions of this
Trust Agreement; and

          (j) any
direction or act of an Administrative Trustee contemplated by this Trust
 Agreement shall be sufficiently evidenced by a certificate executed by such
 Administrative Trustee and setting forth such direction or act; and

          (k) 
if (i) in performing its duties under this Trust Agreement the Property Trustee is required to decide between alternative courses of action, (ii) in construing any of the provisions of this Trust Agreement the Property Trustee finds the same ambiguous or inconsistent with any other provisions contained herein, or (iii) the Property Trustee is unsure of the application of any provision of this Trust Agreement, then, except as to
any matter as to which the Holders of the Preferred Securities are
 entitled to vote under the terms of this Trust Agreement,
the Property Trustee shall deliver a notice to the Depositor
requesting the Depositor’s opinion as to the course of action to
be taken, and the Property Trustee shall take such action, or refrain
from taking such action, as the Property Trustee shall be instructed in
writing to take, or to refrain from taking, by the Depositor; provided, however,
that if the Property Trustee does not receive such instructions of the Depositor
 within ten Business Days after it has delivered such notice, or such reasonably shorter
period of time set forth in such notice (which to the extent practicable shall not
be less than two Business Days), it may, but shall be under no duty to,
take or refrain from taking such action not inconsistent with this Trust Agreement
as it shall deem advisable and in the best interests of the Holders, in which event
the Property Trustee shall have no liability except for its own negligence or willful misconduct.

     No provision of this Trust Agreement shall be deemed to impose any duty or obligation on any
Issuer Trustee or Administrative Trustee to perform any act or acts or exercise any right, power,
duty or obligation conferred or imposed on it, in any jurisdiction in which it shall be illegal, or
in which the Property Trustee shall be unqualified or incompetent in accordance with applicable
law, to perform any such act or acts, or to exercise any such right, power, duty or obligation. No
permissive power or authority available to any Issuer Trustee or Administrative Trustee shall be
construed to be a duty.

     Whether or not therein expressly so provided, every provision of this Trust
Agreement relating to the conduct or affecting the liability of or affording
protection to the Property Trustee shall extend to each of the Security Registrar,
the Paying Agent and the Delaware Trustee and shall
be subject to the provisions of this Article VIII.

SECTION 8.4 Not Responsible for Recitals or Issuance of Securities.

     The recitals contained herein and in the Trust Securities Certificates shall be taken as the
statements of the Issuer Trust, and neither the Issuer Trustees nor the Administrative Trustees
assume any responsibility for their correctness. The Issuer Trustees and the Administrative
Trustees shall not be accountable for the use or application by the Depositor of the proceeds of
the Junior Subordinated Debentures.

SECTION 8.5 May Hold Securities.

     The Depositor, the Administrative Trustees, any Issuer Trustee or any other agent of any
Issuer Trustee or the Issuer Trust, in its individual or any other capacity, may become the owner
or pledgee of Trust Securities and, subject to Sections 5.5(c), 8.8 and 8.13 and except as provided
in the definition of the term “Outstanding” in Article I, may otherwise deal with the Issuer Trust
with the same rights it would have if it were not the Depositor, an Administrative Trustee, Issuer
Trustee or such other agent.

SECTION 8.6 Compensation; Indemnity; Fees.

     The Depositor agrees:

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          (a) to pay to the Issuer Trustees from time to time reasonable compensation for all services
rendered by them hereunder (which compensation shall not be limited by any provision of law in
regard to the compensation of a trustee of an express trust);

          (b) to reimburse the Issuer Trustees upon request for all reasonable expenses, disbursements
and advances incurred or made by the Issuer Trustees in accordance with any provision of this Trust
Agreement (including the reasonable compensation, expenses and disbursements of its agents and
counsel), except any such expense, disbursement or advance as may be attributable to their
negligence or willful misconduct; and

          (c) to the fullest extent permitted by applicable law, to indemnify and hold harmless (i) each
Issuer Trustee, (ii) each Administrative Trustee, (iii) any Affiliate of any Issuer Trustee, (iv)
any officer, director, shareholder, employee, representative or agent of any Issuer Trustee, and
(v) any employee or agent of the Issuer Trust, (referred to herein as an “Indemnified
Person”) from and against any loss, damage, liability, tax, penalty, expense or claim of any
kind or nature whatsoever incurred by such Indemnified Person arising out of or in connection with
the creation, operation or dissolution of the Issuer Trust or any act or omission performed or
omitted by such Indemnified Person in good faith on behalf of the Issuer Trust and in a manner such
Indemnified Person reasonably believed to be within the scope of authority conferred on such
Indemnified Person by this Trust Agreement, except that no Indemnified Person shall be entitled to
be indemnified in respect of any loss, damage or claim incurred by such Indemnified Person by
reason of negligence or willful misconduct with respect to such acts or omissions.

     The provisions of this Section 8.6 shall survive the termination of this Trust Agreement and
the resignation or removal of the Indemnified Persons.

     The obligation of the Depositor under this Section 8.6 to compensate, reimburse and indemnify
the Issuer Trustees shall be secured by a Lien upon all Trust Property (except funds held in trust
for the benefit of Holders of particular Trust Securities), but only to the extent of the interest
of the Holder of the Common Securities therein.

     Notwithstanding any duty otherwise existing at law or in equity, (i) the Depositor, any
Administrative Trustee and any Issuer Trustee may engage in or possess an interest in other
business ventures of any nature or description, independently or with others, similar or dissimilar
to the business of the Issuer Trust, and the Issuer Trust and the Holders of Trust Securities shall
have no rights by virtue of this Trust Agreement in and to such independent ventures or the income
or profits derived therefrom, and the pursuit of any such venture, even if competitive with the
business of the Issuer Trust, shall not be deemed wrongful or improper, (ii) neither the Depositor,
any Administrative Trustee, nor any Issuer Trustee shall be obligated to present any particular
investment or other opportunity to the Issuer Trust even if such opportunity is of a character
that, if presented to the Issuer Trust, could be taken by the Issuer Trust, and the Depositor, any
Administrative Trustee or any Issuer Trustee shall have the right to take for its own account
(individually or as a partner or fiduciary) or to recommend to others any such particular
investment or other opportunity, and (iii) any Issuer Trustee may engage or be interested in any
financial or other transaction with the Depositor or any Affiliate of the Depositor, or may act as
depository for, trustee or agent for, or act on any committee or body of holders of, securities or
other obligations of the Depositor or its Affiliates.

SECTION 8.7 Corporate Property Trustee Required; Eligibility of Trustees and Administrative
Trustees.

          (a) There shall at all times be a Property Trustee hereunder with respect to the Trust
Securities. The Property Trustee shall be a Person that is a national or state chartered bank and
eligible

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pursuant to the Trust Indenture Act to act as such and has a combined capital and surplus of
at least $50,000,000. If any such Person publishes reports of condition at least annually, pursuant
to law or to the requirements of its supervising or examining authority, then for the purposes of
this Section, the combined capital and surplus of such Person shall be
deemed to be its combined capital and surplus as set forth in its most recent report of
condition so published. If at any time the Property Trustee with respect to the Trust Securities
shall cease to be eligible in accordance with the provisions of this Section, it shall resign
immediately in the manner and with the effect hereinafter specified in this Article VIII. At the
time of appointment, the Property Trustee must have securities rated in one of the three highest
rating categories by a nationally recognized statistical rating organization.

          (b) There shall at all times be one or more Administrative Trustees hereunder. Each
Administrative Trustee shall be either a natural person who is at least 21 years of age or a legal
entity that shall act through one or more persons authorized to bind that entity. An employee,
officer or Affiliate of the Depositor may serve as an Administrative Trustee.

          (c) There shall at all times be a Delaware Trustee. The Delaware Trustee shall either be (i) a
natural person who is at least 21 years of age and a resident of the State of Delaware or (ii) a
legal entity with its principal place of business in the State of Delaware and that otherwise meets
the requirements of applicable Delaware law that shall act through one or more persons authorized
to bind such entity.

SECTION 8.8 Conflicting Interests.

          (a) If the Property Trustee has or shall acquire a conflicting interest within the meaning of
the Trust Indenture Act, the Property Trustee shall either eliminate such interest or resign, to
the extent and in the manner provided by, and subject to the provisions of, the Trust Indenture Act
and this Trust Agreement.

          (b) The Guarantee and the Indenture shall be deemed to be sufficiently described in this Trust
Agreement for the purposes of clause (i) of the first proviso contained in Section 310(b) of the
Trust Indenture Act.

SECTION 8.9 Co-Trustees and Separate Trustee.

     Unless an Event of Default shall have occurred and be continuing, at any time or times, for
the purpose of meeting the legal requirements of the Trust Indenture Act or of any jurisdiction in
which any part of the Trust Property may at the time be located, the Property Trustee shall have
power to appoint, and upon the written request of the Property Trustee, the Depositor and the
Administrative Trustees shall for such purpose join with the Property Trustee in the execution,
delivery, and performance of all instruments and agreements necessary or proper to appoint, one or
more Persons approved by the Property Trustee either to act as co-trustee, jointly with the
Property Trustee, of all or any part of such Trust Property, or to the extent required by law to
act as separate trustee of any such property, in either case with such powers as may be provided in
the instrument of appointment, and to vest in such Person or Persons in the capacity aforesaid, any
property, title, right or power deemed necessary or desirable, subject to the other provisions of
this Section. Any co-trustee or separate trustee appointed pursuant to this Section shall either be
(i) a natural person who is at least 21 years of age and a resident of the United States or (ii) a
legal entity with its principal place of business in the United States that shall act through one
or more persons authorized to bind such entity.

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     Should any written instrument from the Depositor be required by any co-trustee or separate
trustee so appointed for more fully confirming to such co-trustee or separate trustee such
property, title, right, or power, any and all such instruments shall, on request, be executed,
acknowledged and delivered by the Depositor.

     Every co-trustee or separate trustee shall, to the extent permitted by law, but to such extent
only, be appointed subject to the following terms, namely:

          (a) The
Trust Securities Certificate shall be executed by one or more Administrative Trustees, and the
Trust Securities Certificate shall be authenticated and delivered by the Property Trustee and all rights,
powers, duties, and obligations hereunder in respect of the custody of securities, cash and other
personal property held by, or required to be deposited or pledged with, the Property Trustee
specified hereunder, shall be exercised, solely by the Property Trustee and not by such co-trustee
or separate trustee.

          (b) The rights, powers, duties, and obligations hereby conferred or imposed upon the Property
Trustee in respect of any property covered by such appointment shall be conferred or imposed upon
and exercised or performed by the Property Trustee and such co-trustee or separate trustee jointly,
as shall be provided in the instrument appointing such co-trustee or separate trustee, except to
the extent that under any law of any jurisdiction in which any particular act is to be performed,
the Property Trustee shall be incompetent or unqualified to perform such act, in which event such
rights, powers, duties and obligations shall be exercised and performed by such co-trustee or
separate trustee.

          (c) The Property Trustee at any time, by an instrument in writing executed by it, with the
written concurrence of the Depositor, may accept the resignation of or remove any co-trustee or
separate trustee appointed under this Section, and, in case a Debenture Event of Default has
occurred and is continuing, the Property Trustee shall have power to accept the resignation of, or
remove, any such co-trustee or separate trustee without the concurrence of the Depositor. Upon the
written request of the Property Trustee, the Depositor shall join with the Property Trustee in the
execution, delivery and performance of all instruments and agreements necessary or proper to
effectuate such resignation or removal. A successor to any co-trustee or separate trustee so
resigned or removed may be appointed in the manner provided in this Section 8.9.

          (d) No co-trustee or separate trustee hereunder shall be personally liable by reason of any
act or omission of the Property Trustee or any other trustee hereunder.

          (e) The Property Trustee shall not be liable by reason of any act of a co-trustee or separate
trustee.

          (f) Any Act of Holders delivered to the Property Trustee shall be deemed to have been
delivered to each such co-trustee and separate trustee.

SECTION 8.10 Resignation and Removal; Appointment of Successor.

     No resignation or removal of any Issuer Trustee (the “Relevant Trustee”) and no
appointment of a successor trustee pursuant to this Article shall become effective until the
acceptance of appointment by the successor trustee in accordance with the applicable requirements
of Section 8.11.

     Subject to the immediately preceding paragraph, a Relevant Trustee may resign at any time by
giving written notice thereof to the Holders. The Holder of the Common Securities shall appoint a
successor by requesting from at least three Persons meeting the eligibility requirements such
Persons’ expenses and charges to serve as the successor trustee on a form provided by the
Administrative Trustees, and selecting

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the Person who agrees to the lowest expenses and charges. If the instrument of acceptance by
the successor trustee required by Section 8.11 shall not have been delivered to the Relevant
Trustee within 30 days after the giving of such notice of resignation, the Relevant Trustee may
petition, at the expense of the Issuer Trust, any court of the State of Delaware for the
appointment of a successor Relevant Trustee.

     The Property Trustee or the Delaware Trustee may be removed at any time (i) for cause
(including upon the occurrence of an Event of Default described in subparagraph (5) of the
definition thereof with respect to the Relevant Trustee) by the Holder of the Common Securities, or
(ii) if a Debenture Event of Default shall have occurred and be continuing at any time, by Act of
the Holders of at least a Majority in Liquidation Amount of the Preferred Capital Securities,
delivered to the Relevant Trustee (in its individual capacity and on behalf of the Issuer Trust).

     If a Relevant Trustee shall be removed or become incapable of acting as Issuer Trustee, or if
any vacancy shall occur in the office of any Issuer Trustee for any cause, the Holder of the Common
Securities shall promptly appoint a successor Relevant Trustee or Trustees, and such successor
Issuer Trustee shall comply with the applicable requirements of Section 8.11, provided, however, if
a Debenture Event of Default shall have occurred and be continuing at such time, the Holders of the
Preferred Capital Securities, by Act of the Holders of record of not less than 25% in aggregate
Liquidation Amount of the Preferred Capital Securities then Outstanding delivered to such Relevant
Trustee, shall appoint such successor trustee. If no successor trustee shall have been so appointed
by the Holder of the Common Securities or the Holders of the Preferred Capital Securities, as
applicable, or shall not have accepted appointment in the manner required by Section 8.11 hereof,
any Holder, on behalf of himself and all others similarly situated, or any other Issuer Trustee,
may petition any court in the State of Delaware for the appointment of a successor trustee.

     The Property Trustee shall give notice of each resignation and each removal of a Relevant
Trustee and each appointment of a successor trustee to all Holders in the manner provided in
Section 10.8 and shall give notice to the Depositor and to the Administrative Trustees. Each notice
shall include the name of the Relevant Trustee and the address of its Corporate Trust Office if it
is the Property Trustee.

     Notwithstanding the foregoing or any other provision of this Trust Agreement, in the event any
Delaware Trustee who is a natural person dies or becomes, in the opinion of the Holder of the
Common Securities, incompetent or incapacitated, the vacancy created by such death, incompetence or
incapacity may be filled by the Property Trustee following the procedures regarding expenses and
charges set forth above (with the successor in each case being a Person who satisfies the
eligibility requirements for the Delaware Trustee, as the case may be, set forth in Section 8.7).

SECTION 8.11 Acceptance of Appointment by Successor.

     In case of the appointment hereunder of a successor Relevant Trustee, the retiring Relevant
Trustee and each such successor Relevant Trustee (if requested by the Depositor) with respect to
the Trust Securities shall execute, acknowledge and deliver an amendment hereto wherein each
successor Relevant Trustee shall accept such appointment and which (a) shall contain such
provisions as shall be necessary or desirable to transfer and confirm to, and to vest in, each
successor Relevant Trustee all the rights, powers, trusts and duties of the retiring Relevant
Trustee with respect to the Trust Securities and the Issuer Trust, and (b) shall add to or change
any of the provisions of this Trust Agreement as shall be necessary to provide for or facilitate
the administration of the Issuer Trust by more than one Relevant Trustee, it being understood that
nothing herein or in such amendment shall constitute such Relevant Trustee a co-trustee, and upon
the execution and delivery of such amendment, the resignation or removal of the retiring Relevant
Trustee shall become effective to the extent provided therein and each such successor Relevant
Trustee, without any further act, deed or conveyance, shall become vested with all the rights,
powers,

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trusts and duties of the retiring Relevant Trustee; but, on request of the Issuer Trust or any
successor Relevant Trustee such retiring Relevant Trustee shall duly assign, transfer and deliver
to such successor Relevant Trustee all Trust Property, all proceeds thereof and money held by such
retiring Relevant Trustee hereunder with respect to the Trust Securities and the Issuer Trust.

     Upon request of any such successor Relevant Trustee, the Issuer Trust shall execute any and
all instruments for more fully and certainly vesting in and confirming to such successor Relevant
Trustee all such rights, powers and trusts referred to in the preceding paragraph.

     No successor Relevant Trustee shall accept its appointment unless at the time of such
acceptance such successor Relevant Trustee shall be qualified and eligible under this Article VIII.

SECTION 8.12 Merger, Conversion, Consolidation or Succession to Business.

     Any Person into which the Property Trustee or the Delaware Trustee may be merged or converted
or with which it may be consolidated, or any Person resulting from any merger, conversion or
consolidation to which such Relevant Trustee shall be a party, or any Person succeeding to all or
substantially all the corporate trust business of such Relevant Trustee, shall be the successor of
such Relevant Trustee hereunder, provided that such Person shall be otherwise qualified and
eligible under this Article VIII, without the execution or filing of any paper or any further act
on the part of any of the parties hereto.

SECTION 8.13 Preferential Collection of Claims Against Depositor or Issuer Trust.

     If and when the Property Trustee shall be or become a creditor of the Depositor (or any other
obligor upon the Trust Securities), the Property Trustee shall be subject to the provisions of the
Trust Indenture Act regarding the collection of claims against the Depositor (or any such other
obligor) only if this Trust Agreement is subject to the Trust Indenture Act.

SECTION 8.14 Trustee May File Proofs of Claim.

     In case of any receivership, insolvency, liquidation, bankruptcy, reorganization, arrangement,
adjustment, composition or other similar judicial proceeding relative to the Issuer Trust or any
other obligor upon the Trust Securities or the property of the Issuer Trust or of such other
obligor, the Property Trustee (irrespective of whether any Distributions on the Trust Securities
shall then be due and payable and irrespective of whether the Property Trustee shall have made any
demand on the Issuer Trust for the payment of any past due Distributions) shall be entitled and
empowered, to the fullest extent permitted by law, by intervention in such proceeding or otherwise:

          (a) to file and prove a claim for the whole amount of any Distributions owing and unpaid in
respect of the Trust Securities and to file such other papers or documents as may be necessary or
advisable in order to have the claims of the Property Trustee (including any claim for the
reasonable compensation, expenses, disbursements and advances of the Property Trustee, its agents
and counsel) and of the Holders allowed in such judicial proceeding; and

          (b) to collect and receive any monies or other property payable or deliverable on any such
claims and to distribute the same; and any custodian, receiver, assignee, trustee, liquidator,
sequestrator or other similar official in any such judicial proceeding is hereby authorized by each
Holder to make such payments to the Property Trustee and, in the event the Property Trustee shall
consent to the making of such payments directly to the Holders, to pay to the Property Trustee any
amount due it for the reasonable compensation, expenses, disbursements and advances of the Property
Trustee, its agents and counsel, and any other amounts due the Property Trustee.

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     Nothing contained herein shall be deemed to authorize the Property Trustee to authorize or
consent to or accept or adopt on behalf of any Holder any plan of reorganization, arrangement,
adjustment or compensation affecting the Trust Securities or the rights of any Holder thereof or to
authorize the Property Trustee to vote in respect of the claim of any Holder in any such
proceeding.

SECTION 8.15 Reports by Property Trustee.

          (a) Not later than January 31 of each year commencing with                     , the Property Trustee
shall transmit to all Holders in accordance with Section 10.8, and to the Depositor, a brief report
dated as of the immediately preceding December 31 with respect to:

               (i) its eligibility under Section 8.7 or, in lieu thereof, if to the best of its knowledge it
has continued to be eligible under said Section, a written statement to such effect; and

               (ii) any change in the property and funds in its possession as Property Trustee since the date
of its last report and any action taken by the Property Trustee in the performance of its duties
hereunder which it has not previously reported and which in its opinion materially affects the
Trust Securities.

          (b) In addition the Property Trustee shall transmit to Holders such reports concerning the
Property Trustee and its actions under this Trust Agreement as may be required pursuant to the
Trust Indenture Act at the times and in the manner provided pursuant thereto.

          (c) A copy of each such report shall, at the time of such transmission to Holders, be filed by
the Property Trustee with the Depositor.

SECTION 8.16 Reports to the Property Trustee.

     The Depositor and the Administrative Trustees on behalf of the Issuer Trust shall provide to
the Property Trustee such documents, reports and information as required or specified by Section
314 of the Trust Indenture Act (if any and to the extent applicable) and the compliance certificate
required or specified by Section 314(a) of the Trust Indenture Act in the form, in the manner and
at the times set forth in Section 314 of the Trust Indenture Act. The Depositor and the
Administrative Trustees shall annually file with the Property Trustee a certificate specifying
whether such Person is in compliance with all the terms and covenants applicable to such Person
hereunder.

SECTION 8.17 Evidence of Compliance with Conditions Precedent.

     Each of the Depositor and the Administrative Trustees on behalf of the Issuer Trust shall
provide to the Property Trustee such evidence of compliance with any conditions precedent, if any,
provided for in this Trust Agreement that relate to any of the matters set forth in Section 314(c)
of the Trust Indenture Act. Any certificate or opinion required to be given by an officer pursuant
to Section 314(c)(1) of the Trust Indenture Act shall be given in the form of an Officers’
Certificate.

SECTION 8.18 Number of Issuer Trustees.

          (a) The number of Issuer Trustees shall be two; provided, however, the Property Trustee and
the Delaware Trustee may be the same Person, in which case, the number of Issuer Trustees may be
one.

          (b) If an Issuer Trustee ceases to hold office for any reason, a vacancy shall occur. The
vacancy shall be filled with an Issuer Trustee appointed in accordance with Section 8.10.

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          (c) The death, resignation, retirement, removal, bankruptcy, incompetence or incapacity to
perform the duties of an Issuer Trustee shall not operate to dissolve, terminate or annul the
Issuer Trust or terminate this Trust Agreement.

SECTION 8.19 Delegation of Power.

          (a) Any Administrative Trustee may, by power of attorney consistent with applicable law,
delegate to any other natural person over the age of 21 his or her power for the purpose of
executing any documents contemplated in Section 2.8(a) or making any governmental filing; and

          (b) The Administrative Trustees shall have power to delegate from time to time to such of
their number the doing of such things and the execution of such instruments either in the name of
the Issuer Trust or the names of the Administrative Trustees or otherwise as the Administrative
Trustees may deem expedient, to the extent such delegation is not prohibited by applicable law or
contrary to the provisions of this Trust Agreement.

SECTION 8.20 Appointment of Administrative Trustees.

          (a) The Administrative Trustees shall be appointed by the Holder of the Common Securities and
may be removed by the Holder of the Common Securities or may resign at any time. Upon any
resignation or removal, the Holder of the Common Securities shall appoint a successor
Administrative Trustee. Each Administrative Trustee shall execute this Trust Agreement thereby
agreeing to comply with, and be legally bound by, all of the terms, conditions and provisions of
this Trust Agreement. If at any time there is no Administrative Trustee, the Property Trustee or
any Holder who has been a Holder of Trust Securities for at least six months may petition any court
of competent jurisdiction for the appointment of one or more Administrative Trustees.

          (b) Whenever a vacancy in the number of Administrative Trustees shall occur, until such
vacancy is filled by the appointment of an Administrative Trustee in accordance with this Section
8.20, the Administrative Trustees in office, regardless of their number (and notwithstanding any
other provision of this Agreement), shall have all the powers granted to the Administrative
Trustees and shall discharge all the duties imposed upon the Administrative Trustees by this Trust
Agreement.

          (c) Notwithstanding the foregoing, or any other provision of this Trust Agreement, in the
event any Administrative Trustee who is a natural person dies or becomes, in the opinion of the
Holder of the Common Securities, incompetent, or incapacitated, the vacancy created by such death,
incompetence or incapacity may be filled by the Holder of the Common Securities (with the successor
being a Person who satisfies the eligibility requirement for Administrative Trustees, as the case
may be, set forth in Section 8.7).

     Except as otherwise provided in this Trust Agreement, or by applicable law, any one
Administrative Trustee may execute any document or otherwise take any action that the
Administrative Trustees are authorized to take under this Trust Agreement.

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ARTICLE IX

DISSOLUTION, LIQUIDATION AND MERGER

SECTION 9.1 Dissolution Upon Expiration Date.

     Unless earlier dissolved, the Issuer Trust shall automatically dissolve on                     
(the “Expiration Date”), and thereafter the Trust Property shall be distributed in
accordance with Section 9.4.

SECTION 9.2 Early Dissolution.

     The first to occur of any of the following events is an “Early Termination Even,” upon
the occurrence of which the Issuer Trust shall dissolve:

          (a) the occurrence of a Bankruptcy Event in respect of, or the dissolution or liquidation of,
the Depositor, in its capacity as the Holder of the Common Securities, unless the Depositor shall
transfer the Common Securities as provided by Section 5.11, in which case this provision shall
refer instead to any such successor Holder of the Common Securities;

          (b) the written direction to the Property Trustee from the Holder of the Common Securities at
any time to dissolve the Issuer Trust and, after paying or making reasonable provision to pay all
charges and obligations of the Issuer Trust in accordance with Section 3808(e) of the Delaware
Statutory Trust Act, to distribute the Junior Subordinated Debentures to Holders in exchange for
the Trust Securities (which direction, subject to Section 9.4(a), is optional and wholly within the
discretion of the Holder of the Common Securities);

          (c) the repayment of all of the Preferred Capital Securities in connection with the repayment
at maturity or redemption of all the Junior Subordinated Debentures, including, without limitation,
a redemption of the Junior Subordinated Debentures upon a Special Event; and

          (d) the entry of an order for dissolution of the Issuer Trust by a court of competent
jurisdiction.

SECTION 9.3 Termination.

     As soon as is practicable after the occurrence of an event referred to in Section 9.1 or 9.2,
and upon the completion of the winding-up and liquidation of the Issuer Trust, the Administrative
Trustees and the Issuer Trustees (each of whom is hereby authorized to take such action) shall file
a certificate of cancellation with the Secretary of State of the State of Delaware terminating the
Issuer Trust and, upon such filing, the respective obligations and responsibilities of the Issuer
Trustees, the Administrative Trustees and the Issuer Trust created and continued hereby shall
terminate.

SECTION 9.4 Liquidation.

          (a) If an Early Termination Event specified in clause (a), (b) or (d) of Section 9.2 occurs or
upon the Expiration Date, the Issuer Trust shall be wound-up and liquidated by the Property Trustee
as expeditiously as the Property Trustee determines to be possible by distributing, after paying or
making reasonable provision to pay all claims and obligations of the Issuer Trust in accordance
with Section 3808(e) of the Delaware Statutory Trust Act, to each Holder a Like Amount of Junior
Subordinated Debentures, subject to Section 9.4(d). Notice of liquidation shall be given by the
Property Trustee by first-class mail, postage prepaid, mailed not later than 15 nor more than 45
days prior to the Liquidation

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Date to each Holder of Trust Securities at such Holder’s address appearing in the Securities
Register. All notices of liquidation shall:

               (i) state the CUSIP Number of the Trust Securities;

               (ii) state the Liquidation Date;

               (iii) state that, from and after the Liquidation Date, the Trust Securities will no longer be
deemed to be Outstanding and any Trust Securities Certificates not surrendered for exchange will be
deemed to represent a Like Amount of Junior Subordinated Debentures; and

               (iv) provide such information with respect to the mechanics by which Holders may exchange
Trust Securities Certificates for Junior Subordinated Debentures, or if Section 9.4(d) applies
receive a Liquidation Distribution, as the Administrative Trustees or the Property Trustee shall
deem appropriate.

          (b) Except where Section 9.2(c) or 9.4(d) applies, in order to effect the liquidation of the
Issuer Trust and distribution of the Junior Subordinated Debentures to Holders, the Property
Trustee shall establish a record date for such distribution (which shall be not more than 30 days
prior to the Liquidation Date) and, either itself acting as exchange agent or through the
appointment of a separate exchange agent, shall establish such procedures as it shall deem
appropriate to effect the distribution of Junior Subordinated Debentures in exchange for the
Outstanding Trust Securities Certificates.

          (c) Except where Section 9.2(c) or 9.4(d) applies, after the Liquidation Date, (i) the Trust
Securities will no longer be deemed to be Outstanding, (ii) the Clearing Agency for the Preferred
Capital Securities or its nominee, as the registered Holder of the Global Preferred Capital
Securities Certificates, shall receive a registered global certificate or certificates representing
the Junior Subordinated Debentures to be delivered upon such distribution with respect to Preferred
Capital Securities held by the Clearing Agency or its nominee, and (iii) any Trust Securities
Certificates not held by the Clearing Agency for the Preferred Capital Securities or its nominee as
specified in clause (ii) above will be deemed to represent Junior Subordinated Debentures having a
principal amount equal to the stated Liquidation Amount of the Trust Securities represented thereby
and bearing accrued and unpaid interest in an amount equal to the accumulated and unpaid
Distributions on such Trust Securities until such certificates are presented to the Securities
Registrar for transfer or reissuance.

          (d) If, notwithstanding the other provisions of this Section 9.4, whether because of an order
for dissolution entered by a court of competent jurisdiction or otherwise, distribution of the
Junior Subordinated Debentures is not practical, or if any Early Termination Event specified in
clause (c) of Section 9.2 occurs, the Issuer Trust shall be dissolved, and the Trust Property shall
be liquidated, by the Property Trustee in such manner as the Property Trustee determines. In such
event, on the date of the dissolution of the Issuer Trust, Holders will be entitled to receive out
of the assets of the Issuer Trust available for distribution to Holders, after paying or making
reasonable provision to pay all claims and obligations of the Issuer Trust in accordance with
Section 3808(e) of the Delaware Statutory Trust Act, an amount equal to the aggregate of
Liquidation Amount per Trust Security plus accumulated and unpaid Distributions thereon to the date
of payment (such amount being the “Liquidation Distribution”). If, upon any such
dissolution, the Liquidation Distribution can be paid only in part because the Issuer Trust has
insufficient assets available to pay in full the aggregate Liquidation Distribution, then, subject
to the next succeeding sentence, the amounts payable by the Issuer Trust on the Trust Securities
shall be paid on a pro rata basis (based upon Liquidation Amounts). The Holder of the Common
Securities will be entitled to receive Liquidation Distributions upon any such dissolution, pro
rata (determined as aforesaid) with Holders of Preferred Capital Securities, except that, if a
Debenture Event of Default in Sections 5.1(1) or

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5.1(2) of the Indenture has occurred and is continuing, the Preferred Capital Securities shall
have a priority over the Common Securities as provided in Section 4.3.

SECTION 9.5 Mergers, Consolidations, Amalgamations or Replacements of the Issuer Trust.

     The Issuer Trust may not merge with or into, consolidate, amalgamate, or be replaced by, or
convey, transfer or lease its properties and assets substantially as an entirety to, any entity,
except pursuant to this Section 9.5 or Section 9.4. At the request of the Holder of the Common
Securities, and with the consent of the Holders of at least a Majority in Liquidation Amount of the
Preferred Capital Securities, but without the consent of the Issuer Trustees, the Issuer Trust may
merge with or into, consolidate, amalgamate, or be replaced by or convey, transfer or lease its
properties and assets substantially as an entirety to a trust organized as such under the laws of
any state; provided that (i) such successor entity either (a) expressly assumes all of the
obligations of the Issuer Trust with respect to the Preferred Capital Securities or (b) substitutes
for the Preferred Capital Securities other securities having substantially the same terms as the
Preferred Capital Securities (the “Successor Preferred Capital Securities”) so long as the
Successor Preferred Capital Securities have the same priority as the Preferred Capital Securities
with respect to distributions and payments upon liquidation, redemption and otherwise, (ii) a
trustee of such successor entity possessing the same powers and duties as the Property Trustee is
appointed to hold the Junior Subordinated Debentures, (iii) such merger, consolidation,
amalgamation, replacement, conveyance, transfer or lease does not cause the Preferred Capital
Securities (including any Successor Preferred Capital Securities) to be downgraded by any
nationally recognized statistical rating organization, if such Preferred Capital Securities have
been rated by such nationally recognized statistical rating organization, (iv) such merger,
consolidation, amalgamation, replacement, conveyance, transfer or lease does not adversely affect
the rights, preferences and privileges of the holders of the Preferred Capital Securities
(including any Successor Preferred Capital Securities) in any material respect, (v) such successor
entity has a purpose substantially identical to that of the Issuer Trust, (vi) prior to such
merger, consolidation, amalgamation, replacement, conveyance, transfer or lease, the Issuer Trust
has received an Opinion of Counsel from a firm experienced in such matters to the effect that (a)
such merger, consolidation, amalgamation, replacement, conveyance, transfer or lease does not
adversely affect the rights preferences and privileges of the holders of the Preferred Capital
Securities (including any Successor Preferred Capital Securities) in any material respect, and (b)
following such merger, consolidation, amalgamation, replacement, conveyance, transfer or lease,
neither the Issuer Trust nor such successor entity will be required to register as an “investment
company” under the Investment Company Act and (vii) the Depositor or any permitted transferee to
whom it has transferred the Common Securities hereunder owns all of the common securities of such
successor entity and guarantees the obligations of such successor entity under the Preferred
Capital Securities or Successor Preferred Capital Securities at least to the extent provided by the
Guarantee. Notwithstanding the foregoing, the Issuer Trust shall not, except with the consent of
Holders of 100% in Liquidation Amount of the Preferred Capital Securities, consolidate, amalgamate,
merge with or into, or be replaced by or convey, transfer or lease its properties and assets
substantially as an entirety to, any other entity or permit any other entity to consolidate,
amalgamate, merge with or into, or replace it if such consolidation, amalgamation, merger,
replacement, conveyance, transfer or lease would cause the Issuer Trust or the successor entity to
be taxable other than as a grantor trust for United States Federal income tax purposes.

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ARTICLE X

MISCELLANEOUS PROVISIONS

SECTION 10.1 Limitation of Rights of Holders.

     Except as set forth in Section 9.2, the bankruptcy, dissolution, termination, death or
incapacity of any Person having an interest, beneficial or otherwise, in Trust Securities shall not
operate to terminate this Trust Agreement, nor dissolve the Trust, nor entitle the legal or
personal representatives or heirs of such Person or any Holder for such Person, to claim an
accounting, take any action or bring any proceeding in any court for a partition or winding-up of
the arrangements contemplated hereby, nor otherwise affect the rights, obligations and liabilities
of the parties hereto or any of them. Any merger or similar agreement shall be executed by the
Administrative Trustees on behalf of the Issuer Trust.

SECTION 10.2 Amendment.

          (a) This Trust Agreement may be amended from time to time by the Holder of the Common
Securities, without the consent of any Holder of the Preferred Capital Securities, the
Administrative Trustees or the Issuer Trustees (i) to cure any ambiguity, correct or supplement any
provision herein which may be inconsistent with any other provision herein, or to make any other
provisions with respect to matters or questions arising under this Trust Agreement, provided,
however, such amendment shall not adversely affect in any material respect the interests of any
Holder or (ii) to modify, eliminate or add to any provisions of this Trust Agreement to such extent
as shall be necessary to ensure that the Issuer Trust will not be taxable other than as a grantor
trust for United States Federal income tax purposes at any time that any Trust Securities are
Outstanding or to ensure that the Issuer Trust will not be required to register as an investment
company under the Investment Company Act.

          (b) Except as provided in Section 10.2(c) hereof, any provision of this Trust Agreement may be
amended by the Holder of the Common Securities with (i) the consent of Holders of at least a
Majority in Liquidation Amount of the Preferred Capital Securities and (ii) receipt by the Issuer
Trustees of an Opinion of Counsel to the effect that such amendment or the exercise of any power
granted to the Issuer Trustees in accordance with such amendment will not affect the Issuer Trust’s
being taxable as a grantor trust for United States Federal income tax purposes or the Issuer
Trust’s exemption from status of an “investment company” under the Investment Company Act.

          (c) In addition to and notwithstanding any other provision in this Trust Agreement, without
the consent of each affected Holder, this Trust Agreement may not be amended to (i) change the
amount or timing of any Distribution on the Trust Securities or otherwise adversely affect the
amount of any Distribution required to be made in respect of the Trust Securities as of a specified
date or (ii) restrict the right of a Holder to institute suit for the enforcement of any such
payment on or after such date.

          (d) Notwithstanding any other provisions of this Trust Agreement, neither the Depositor nor a
Holder shall instruct an Issuer Trustee to enter into or consent to any amendment to this Trust
Agreement which would cause the Issuer Trust to fail or cease to qualify for the exemption from
status as an “investment company” under the Investment Company Act or be taxable other than as a
grantor trust for United States Federal income tax purposes.

          (e) Notwithstanding anything in this Trust Agreement to the contrary, without the consent of
the Depositor and the Administrative Trustees, this Trust Agreement may not be amended in a manner
that imposes any additional obligation on the Depositor or the Administrative Trustees.

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          (f) In the event that any amendment to this Trust Agreement is made, the Administrative
Trustees or the Property Trustee shall promptly provide to the Depositor a copy of such amendment.

          (g) No amendment to this Trust Agreement may be adopted that adversely affects the Property
Trustee’s or the Delaware Trustee’s rights, duties or immunities under this Trust Agreement, except
with the consent of such Property Trustee or Delaware Trustee. The Property Trustee shall be
entitled to receive an Opinion of Counsel and an Officers’ Certificate stating that any amendment
to this Trust Agreement is in compliance with this Trust Agreement.

          (h) Any amendments to this Trust Agreement made pursuant to Section 10.2(a) shall become
effective when notice of such amendment is given to the Holders of the Trust Securities.

SECTION 10.3 Separability.

     In case any provision in this Trust Agreement or in the Trust Securities Certificates shall be
determined to be invalid, illegal or unenforceable, the validity, legality and enforceability of
the remaining provisions shall not in any way be affected or impaired thereby.

SECTION 10.4 Governing Law.

     THIS TRUST AGREEMENT AND THE RIGHTS AND OBLIGATIONS OF EACH OF THE HOLDERS, THE ISSUER TRUST,
THE DEPOSITOR, THE ISSUER TRUSTEES AND THE ADMINISTRATIVE TRUSTEES SHALL BE GOVERNED BY AND
INTERPRETED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE AND ALL RIGHTS AND REMEDIES SHALL
BE GOVERNED BY SUCH LAWS WITHOUT REGARD TO THE PRINCIPLES OF CONFLICT OF LAWS OF THE STATE OF
DELAWARE OR ANY OTHER JURISDICTION THAT WOULD CALL FOR THE APPLICATION OF THE LAW OF ANY
JURISDICTION OTHER THAN THE STATE OF DELAWARE; PROVIDED, HOWEVER, THAT THERE SHALL NOT BE
APPLICABLE TO THE HOLDERS, THE ISSUER TRUST, THE DEPOSITOR, THE ISSUER TRUSTEES, THE ADMINISTRATIVE
TRUSTEES OR THIS TRUST AGREEMENT ANY PROVISION OF THE LAWS (STATUTORY OR COMMON) OF THE STATE OF
DELAWARE PERTAINING TO TRUSTS OTHER THAN THE DELAWARE STATUTORY TRUST ACT THAT RELATE TO OR
REGULATE, IN A MANNER INCONSISTENT WITH THE TERMS HEREOF (A) THE FILING WITH ANY COURT OR
GOVERNMENTAL BODY OR AGENCY OF TRUSTEE ACCOUNTS OR SCHEDULES OF TRUSTEE FEES AND CHARGES, (B)
AFFIRMATIVE REQUIREMENTS TO POST BONDS FOR TRUSTEES, OFFICERS, AGENTS OR EMPLOYEES OF A TRUST, (C)
THE NECESSITY FOR OBTAINING COURT OR OTHER GOVERNMENTAL APPROVAL CONCERNING THE ACQUISITION,
HOLDING OR DISPOSITION OF REAL OR PERSONAL PROPERTY, (D) FEES OR OTHER SUMS PAYABLE TO TRUSTEES,
OFFICERS, AGENTS OR EMPLOYEES OF A TRUST, (E) THE ALLOCATION OF RECEIPTS AND EXPENDITURES TO INCOME
OR PRINCIPAL, (F) RESTRICTIONS OR LIMITATIONS ON THE PERMISSIBLE NATURE, AMOUNT OR CONCENTRATION OF
TRUST INVESTMENTS OR REQUIREMENTS RELATING TO THE TITLING, STORAGE OR OTHER MANNER OF HOLDING OR
INVESTING TRUST ASSETS OR (G) THE ESTABLISHMENT OF FIDUCIARY OR OTHER STANDARDS OF RESPONSIBILITY
OR LIMITATIONS ON THE ACTS OR POWERS OF TRUSTEES THAT ARE INCONSISTENT WITH THE LIMITATIONS OR
LIABILITIES OR AUTHORITIES AND POWERS OF THE ISSUER TRUSTEES OR THE ADMINISTRATIVE TRUSTEES AS SET
FORTH OR REFERENCED IN THIS TRUST AGREEMENT. SECTION 3540 OF TITLE 12 OF THE DELAWARE CODE SHALL
NOT APPLY TO THE ISSUER TRUST.

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SECTION 10.5 Payments Due on Non-Business Day.

     If the date fixed for any payment on any Trust Security shall be a day that is not a Business
Day, then such payment need not be made on such date but may be made on the next succeeding day
that is a Business Day except that, if such 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 though made on the date fixed for such payment, and no Distributions or
interest shall accumulate on such unpaid amount for the period after such date.

SECTION 10.6 Successors.

     This Trust Agreement shall be binding upon and shall inure to the benefit of any successor to
the Depositor, the Issuer Trust, the Administrative Trustees and any Issuer Trustee, including any
successor by operation of law. Except in connection with a consolidation, merger or sale involving
the Depositor that is permitted under Article VIII of the Indenture and pursuant to which the
assignee agrees in writing to perform the Depositor’s obligations hereunder, the Depositor shall
not assign its obligations hereunder.

SECTION 10.7 Headings.

     The Article and Section headings are for convenience only and shall not affect the
construction of this Trust Agreement.

SECTION 10.8 Reports, Notices and Demands.

     Any report, notice, demand or other communication that by any provision of this Trust
Agreement is required or permitted to be given or served to or upon any Holder or the Depositor may
be given or served in writing by deposit thereof, first class postage prepaid, in the United States
mail, hand delivery or facsimile transmission, in each case, addressed, (a) in the case of a Holder
of Preferred Capital Securities, to such Holder as such Holder’s name and address may appear on the
Securities Register; and (b) in the case of the Holder of Common Securities or the Depositor, to
First Financial Bancorp., Attention: ___, facsimile no.: (___) ___-___or to such other address as
may be specified in a written notice by the Depositor to the Property Trustee. Such notice, demand
or other communication to or upon a Holder shall be deemed to have been sufficiently given or made,
for all purposes, upon hand delivery, mailing or transmission. Such notice, demand or other
communication to or upon the Depositor shall be deemed to have been sufficiently given or made only
upon actual receipt of the writing by the Depositor.

     Any notice, demand or other communication which by any provision of this Trust Agreement is
required or permitted to be given or served to or upon the Issuer Trust, the Property Trustee, the
Delaware Trustee, the Administrative Trustees, or the Issuer Trust shall be given in writing
addressed (until another address is published by the Issuer Trust) as follows: (a) with respect to
the Property Trustee to Rodney Square North, 1100 North Market Street, Wilmington, Delaware 19890,
Attention: Corporate Trust Administration; (b) with respect to the Delaware Trustee to Rodney
Square North, 1100 North Market Street, Wilmington, Delaware 19890, Attention: Corporate Trust
Administration; (c) with respect to the Administrative Trustees, to them at the address above for
notices to the Depositor, marked “Attention: FFBC Capital Trust [ ] Administrative Trustees”; and
(d) with respect to the Issuer Trust, to its principal office specified in Section 2.2, with a copy
to the Property Trustee. Such notice, demand or other communication to or upon the Issuer Trust,
the Property Trustee or the Administrative Trustee shall be deemed to have been sufficiently given
or made only upon actual receipt of the writing by the Issuer Trust, the Property Trustee, or such
Administrative Trustee.

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SECTION 10.9 Agreement Not to Petition.

     Each of the Issuer Trustees, the Administrative Trustees and the Depositor agree for the
benefit of the Holders that, until at least one year and one day after the Issuer Trust has been
terminated in accordance with Article IX, they shall not file, or join in the filing of, a petition
against the Issuer Trust under any bankruptcy, insolvency, reorganization or other similar law
(including, without limitation, the United States Bankruptcy Code) (collectively, “Bankruptcy
Laws”) or otherwise join in the commencement of any proceeding against the Issuer Trust under
any Bankruptcy Law. In the event the Depositor takes action in violation of this Section 10.9, the
Property Trustee agrees, for the benefit of Holders, that at the expense of the Depositor, it shall
file an answer with the bankruptcy court or other court or otherwise properly contest the filing of
such petition by the Depositor against the Issuer Trust or the commencement of such action and
raise the defense that the Depositor has agreed in writing not to take such action and should be
estopped and precluded therefrom and such other defenses, if any, as counsel for the Issuer Trustee
or the Issuer Trust may assert. If any Issuer Trustee or Administrative Trustee takes action in
violation of this Section 10.9, the Depositor agrees, for the benefit of the Holders, that at the
expense of the Depositor, it shall file an answer with the bankruptcy court or otherwise properly
contest the filing of such petition by such Person against the Depositor or the commencement of
such action and raise the defense that such Person has agreed in writing not to take such action
and should be estopped and precluded therefrom and such other defenses, if any, as counsel for the
Issuer Trustee or the Issuer Trust may assert. The provisions of this Section 10.9 shall survive
the termination of this Trust Agreement.

SECTION 10.10 Trust Indenture Act; Conflict with Trust Indenture Act.

          (a) Trust Indenture Act; Application. (i) This Trust Agreement is subject to the provisions of
the Trust Indenture Act that are required to be a part of this Trust Agreement and shall, to the
extent applicable, be governed by such provisions; (ii) if and to the extent that any provision of
this Trust Agreement limits, qualifies or conflicts with the duties imposed by Sections 310 to 317,
inclusive, of the Trust Indenture Act, such imposed duties shall control; (iii) for purposes of
this Trust Agreement, the Property Trustee, to the extent permitted by applicable law and/or the
rules and regulations of the Commission, shall be the only Issuer Trustee which is a trustee for
the purposes of the Trust Indenture Act; and (iv) the application of the Trust Indenture Act to
this Trust Agreement shall not affect the nature of the Preferred Capital Securities and the Common
Securities as equity securities representing undivided beneficial interests in the assets of the
Issuer Trust.

          (b) Lists of Holders of Preferred Capital Securities. (i) Each of the Depositor and the
Administrative Trustees on behalf of the Trust shall provide the Property Trustee with such
information as is required under Section 312(a) of the Trust Indenture Act at the times and in the
manner provided in Section 312(a) and (ii) the Property Trustee shall comply with its obligations
under Sections 310(b), 311 and 312(b) of the Trust Indenture Act.

          (c) Reports by the Property Trustee. Within 60 days after                      of each year commencing
                    , the Property Trustee shall provide to the Holders of the Trust Securities such
reports as are required by Section 313 of the Trust Indenture Act, if any, in the form, in the
manner and at the times provided by Section 313 of the Trust Indenture Act. The Property Trustee
shall also comply with the requirements of Section 313(d) of the Trust Indenture Act.

          (d) Periodic Reports to Property Trustee. Each of the Depositor and the Administrative
Trustees on behalf of the Issuer Trust shall provide to the Property Trustee, the Commission and
the Holders of the Trust Securities, as applicable, such documents, reports and information as may
be required by Section 315(a)(1)-(3) (if any) of the Trust Indenture Act and the compliance
certificates required by Section 314(a)(4) and (c) of the Trust Indenture Act (provided that any
certificate to be

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provided pursuant to Section 314(a)(4) of the Trust Indenture Act shall be provided within 120
days of the end of each fiscal year of the Issuer Trust).

          (e) Evidence of Compliance with Conditions Precedent. Each of the Depositor and the
Administrative Trustees on behalf of the Issuer Trust shall provide to the Property Trustee such
evidence of compliance with any conditions precedent, if any, provided for in this Trust Agreement
which relate to any of the matters set forth in Section 314(c) of the Trust Indenture Act. Any
certificate or opinion required to be given pursuant to Section 314(c) shall comply with Section
314(e) of the Trust Indenture Act.

          (f) Disclosure Information. The disclosure of information as to the names and addresses of the
Holders of Trust Securities in accordance with Section 312 of the Trust Indenture Act, regardless
of the source from which such information was derived, shall not be deemed to be a violation of any
existing law or any law hereafter enacted which does not specifically refer to Section 312 of the
Trust Indenture Act, nor shall the Property Trustee be held accountable by reason of mailing any
material pursuant to a request made under Section 312(b) of the Trust Indenture Act.

SECTION 10.11 Acceptance of Terms of Trust Agreement, Guarantee and Indenture.

     THE RECEIPT AND ACCEPTANCE OF A TRUST SECURITY OR ANY INTEREST THEREIN BY OR ON BEHALF OF A
HOLDER OR ANY BENEFICIAL OWNER, WITHOUT ANY SIGNATURE OR FURTHER MANIFESTATION OF ASSENT, SHALL
CONSTITUTE THE UNCONDITIONAL ACCEPTANCE BY THE HOLDER AND ALL OTHERS HAVING A BENEFICIAL INTEREST
IN SUCH TRUST SECURITY OF ALL THE TERMS AND PROVISIONS OF THIS TRUST AGREEMENT, THE GUARANTEE THE
INDENTURE, AND AGREEMENT TO THE SUBORDINATION PROVISIONS AND OTHER TERMS OF THE GUARANTEE AND THE
INDENTURE, AND SHALL CONSTITUTE THE AGREEMENT OF THE ISSUER TRUST, SUCH HOLDER AND SUCH OTHERS THAT
THE TERMS AND PROVISIONS OF THIS TRUST AGREEMENT SHALL BE BINDING, OPERATIVE AND EFFECTIVE AS
BETWEEN THE ISSUER TRUST AND SUCH HOLDER AND SUCH OTHERS.

SECTION 10.12 Force Majeure

     In no event shall any Issuer Trustee be responsible or liable for any failure or delay in the
performance of its obligations hereunder arising out of or caused by, directly or indirectly,
forces beyond their control, including, without limitation, strikes, work stoppages, accidents,
acts of war or terrorism, civil or military disturbances, nuclear or natural catastrophes or acts
of God, and interruptions, loss or malfunctions of utilities, communications or computer (software
and hardware) services; it being understood that the Issuer Trustees shall use reasonable efforts
which are consistent with accepted practices in the banking industry to resume performance as soon
as practicable under the circumstances.

* * * *

     This instrument may be executed in any number of counterparts, each of which so executed shall
be deemed to be an original, but all such counterparts shall together constitute but one and the
same instrument.

[Signatures appear on next page.]

50

 

     IN WITNESS WHEREOF, the parties hereto have caused this Trust Agreement to be duly executed,
all as of the day and year first above written.

	 	 	 	 	 	 	 	 	 
	 	 	FIRST FINANCIAL BANCORP.,	 	 
	 	 	as Depositor	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	 	 	By:	 	 	 	 
	 

	 	 	 	 	 	 

     Name:	 	 
	 

	 	 	 	 	 	     Title:	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	WILMINGTON TRUST COMPANY,	 	 
	 	 	as Property Trustee, and not in its individual
capacity
	 
	 	 	 	 	 	 	 	 
	 

	 	 	 	By:	 	 	 	 
	 

	 	 	 	 	 	 

     Name:	 	 
	 

	 	 	 	 	 	     Title:	 	 
	 
	 	 	 	 	 	 	 	 
	 	 	WILMINGTON TRUST COMPANY,
	 	 	as Delaware Trustee, and not in its individual
capacity
	 
	 	 	 	 	 	 	 	 
	 

	 	 	 	By:	 	 	 	 
	 

	 	 	 	 	 	 

     Name:	 	 
	 

	 	 	 	 	 	     Title:	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	By:	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	Gregory A. Gehlmann	 	 
	 	 	 	 	as Administrative Trustee	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	By:	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 	 	 	 	J. Franklin Hall	 	 
	 	 	 	 	as Administrative Trustee	 	 

51

 

EXHIBIT A

CERTIFICATE OF TRUST

FFBC CAPITAL TRUST [ ]

A-1

 

EXHIBIT B

THIS CERTIFICATE IS NOT TRANSFERABLE EXCEPT IN COMPLIANCE WITH

APPLICABLE LAW AND SECTION 5.11 OF THE TRUST AGREEMENT.

			
	 	 	 
	Certificate No.
	 	Number of Common Securities:

Certificate Evidencing Common Securities

FFBC CAPITAL TRUST [ ]

                    % Common Securities

     FFBC CAPITAL TRUST [     ], a statutory trust created under the laws of the State of Delaware
(the “Trust”), hereby certifies that FIRST FINANCIAL BANCORP. (the “Holder”) is the registered
owner of common securities of the Trust representing an undivided beneficial ownership interest in
the assets of the Trust designated the “                    % Common Securities” (the “Common Securities”). The
Common Securities are not transferable and any attempted transfer thereof shall be void except as
permitted by applicable law and by Section 5.11 of the Trust Agreement (as defined below). The
designation, rights, privileges, restrictions, preferences and other terms and provisions of the
Common Securities represented hereby are issued and shall in all respects be subject to the
provisions of the Amended and Restated Trust Agreement of the Trust, dated as of                    
(as the same may be amended from time to time, the “Trust Agreement”), by and among First Financial
Bancorp., as Depositor, J. FRANKLIN HALL and GREGORY A. GEHLMANN, as Administrative Trustees,
WILMINGTON TRUST COMPANY, as Property Trustee, and WILMINGTON TRUST COMPANY, as Delaware Trustee,
and the holders of undivided beneficial ownership interests in the assets of the Trust. The Holder
is entitled to the benefits of the Guarantee to the extent described therein. Capitalized terms
used herein but not defined shall have the meaning given them in the Trust Agreement. The
Depositor will provide a copy of the Trust Agreement, the Guarantee and the Indenture to the Holder
without charge upon written request to the Depositor at its principal place of business.

     Upon receipt of this certificate, the Holder is bound by the Trust Agreement and is entitled
to the benefits thereunder.

     By acceptance, the Holder agrees to treat, for United States federal, state and local income
tax purposes, the Junior Subordinated Debentures as indebtedness and the Common Securities as
evidence of an undivided indirect beneficial ownership interest in the Junior Subordinated
Debentures.

     IN WITNESS WHEREOF, the Trust has executed this certificate this     day of      .

	 	 	 	 	 	 	 
	 	 	FFBC CAPITAL TRUST [     ]
	 
	 	 	 	 	 	 
	 

	 	By:	 	 	 
	 

	 	 	 

Name:
	 	 	 
	 

	 	 	Title:	 	 	 

B-1

 

EXHIBIT C

     [IF THE PREFERRED CAPITAL SECURITY IS TO BE A GLOBAL PREFERRED CAPITAL SECURITY, INSERT THE
FOLLOWING: This Preferred Capital Security is a Global Security within the meaning of the Trust
Agreement hereinafter referred to and is registered in the name of The Depository Trust Company, a
New York corporation (the “Depositary”), or a nominee of the Depositary. This Preferred Capital
Security is exchangeable for Preferred Capital Securities registered in the name of a person other
than the Depositary or its nominee only in the limited circumstances described in the Trust
Agreement and no transfer of this Preferred Capital Security (other than a transfer of this
Preferred Capital 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 Preferred Capital Security Certificate is presented by an authorized
representative of the Depositary to the issuer or its agent for registration of transfer, exchange
or payment, and any Preferred Capital Security Certificate issued is registered in the name of Cede
& Co. or such other name as registered by an authorized representative of the Depositary (and any
payment hereon is made to Cede & Co. or to such other entity as is requested by an authorized
representative of the Depositary), 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.]

			
	 	 	 
	Certificate No.:
	 	Number of Preferred Capital Securities:
	CUSIP No.:	 	 

Certificate Evidencing                     % Preferred Capital Securities

FFBC Capital Trust [ ]

                    % Preferred Capital Securities

Fully and Unconditionally Guaranteed by

First Financial Bancorp.

     FFBC CAPITAL TRUST [ ], a statutory trust created under the laws of the State of Delaware
(the “Trust”), hereby certifies that      (the “Holder”) is the registered owner of     
preferred capital securities of the Trust representing undivided
beneficial
interests in the assets of the Trust designated the “                    % Preferred Capital Securities” (the
“Capital Securities”). The Capital Securities are transferable on the register of the Trust, in
person or by a duly authorized attorney, upon surrender of this certificate duly endorsed and in
proper form for transfer as provided in the Trust Agreement (as defined below). The designation,
rights, privileges, restrictions, preferences and other terms and provisions of the Capital
Securities represented hereby are issued and shall in all respects be subject to the provisions of
the Amended and Restated Trust Agreement of the Trust, dated as of                     , as the same may be
amended from time to time (the “Trust Agreement”), by and among FIRST FINANCIAL BANCORP.,

     GREGORY A. GEHLMANN AND J. FRANKLIN HALL, as Administrative Trustees, WILMINGTON TRUST
COMPANY, as Property Trustee, and WILMINGTON TRUST COMPANY, as Delaware Trustee, and the holders of
undivided beneficial ownership interests in the assets of the Trust. Capitalized terms used herein
but not defined shall have the meaning given them in the Trust Agreement.

C-1

 

The Holder is entitled to the benefits of the Guarantee to the extent described therein. The
Depositor will provide a copy of the Trust Agreement, the Guarantee and the Indenture to a Holder
without charge upon written request to the Depositor at its principal place of business.

     Upon receipt of this certificate, the Holder is bound by the Trust Agreement and is entitled
to the benefits thereunder.

     By acceptance, the Holder agrees to treat, for United States federal, state and local income
tax purposes, the Junior Subordinated Debentures as indebtedness and the Capital Securities as
evidence of undivided beneficial ownership interests in the Junior Subordinated Debentures.

     IN WITNESS WHEREOF, the Trust has executed this certificate this     day of [     ].

	 	 	 	 	 	 	 	 	 
	 	 	FFBC CAPITAL TRUST [     ]	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	By:	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 

	 	 	 	Name:	 	 	 	 
	 

	 	 	 	 	 	 

	 	 
	 	 	 	 	Administrative Trustee	 	 

This is one of the Capital Securities referred to in the within-mentioned Trust Agreement.

	 	 	 	 	 	 	 	 	 
	 	 	WILMINGTON TRUST COMPANY,	 	 
	 	 	not in its individual capacity but solely as	 	 
	 	 	Property Trustee	 	 
	 
	 	 	 	 	 	 	 	 
	 

	 	By:	 	 	 	 	 	 
	 	 	 	 	 	 	 
	 

	 	 	 	Name:	 	 	 	 
	 

	 	 	 	Title:
	 	 

	 	 
	 

	 	 	 	 	 	 

	 	 

C-2

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