FindLaw - Subordinated Indenture - HealthSouth Corp. and The Bank of Nova Scotia Trust Co. of New York

                             HEALTHSOUTH CORPORATION


                                       and


          THE BANK OF NOVA SCOTIA TRUST COMPANY OF NEW YORK, as Trustee


                              --------------------


                             SUBORDINATED INDENTURE

                           Dated as of March 20, 1998


                              --------------------








<PAGE>



                             CROSS REFERENCE SHEET*

                                     Between

     Provisions of Trust  Indenture Act (as defined  herein) and Indenture dated
as of March 20, 1998 between HEALTHSOUTH Corporation and The Bank of Nova Scotia
Trust Company of New York, Trustee:

SECTION OF THE ACT                                    SECTION OF INDENTURE

310(a)(1) and (2)......................................................6.9
310(a)(3) and (4).............................................Inapplicable
310(b)........................................6.8 and 6.10(a), (b) and (d)
310(c)........................................................Inapplicable
311(a)................................................................6.14
311(b)................................................................6.14
311(c)........................................................Inapplicable
312(a).........................................................4.1 and 4.2
312(b).................................................................4.2
312(c).................................................................4.2
313(a).................................................................4.3
313(b)(1).....................................................Inapplicable
313(b)(2)..............................................................4.3
313(c).................................4.3, 5.11, 6.10, 6.11, 8.2 and 12.2
313(d).................................................................4.3
314(a).........................................................3.5 and 4.2
314(b)........................................................Inapplicable
314(c)(1) and (2).....................................................11.5
314(c)(3).....................................................Inapplicable
314(d)........................................................Inapplicable
314(e)................................................................11.5
314(f)........................................................Inapplicable
315(a), (c) and (d)....................................................6.1
315(b)................................................................5.11
315(e)................................................................5.12
316(a)(1).....................................................5.9 and 5.10
316(a)(2).....................................................Not required
316(a) (last sentence).................................................7.4
316(b).................................................................5.7
317(a).................................................................5.2
317(b)......................................................3.4(a) and (b)
318(a)................................................................11.7

*This Cross Reference Sheet is not part of the Indenture.


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                                TABLE OF CONTENTS

                                                                            Page

ARTICLE 1  DEFINITIONS.........................................................1
  SECTION 1.1   Certain Terms Defined..........................................1
  "Affiliate"..................................................................2
  "Authenticating Agent".......................................................2
  "Authorized Newspaper".......................................................2
  "Board of Directors".........................................................2
  "Board Resolution"...........................................................2
  "Business Day"...............................................................3
  "Capital Stock"..............................................................3
  "Commission".................................................................3
  "Common Equity"..............................................................3
  "Company"....................................................................3
  "Company Order"..............................................................3
  "Consolidated Tangible Assets"...............................................3
  "Corporate Trust Office".....................................................4
  "Coupon" ....................................................................4
  "Covenant Defeasance"........................................................4
  "Depositary".................................................................4
  "Dollar" or "$"..............................................................4
  "ECU"    ....................................................................4
  "Event of Default"...........................................................4
  "Exchange Act"...............................................................4
  "Fair Value".................................................................4
  "Foreign Currency"...........................................................4
  "Holder," "Holder of Subordinated Securities," "Securityholder"..............4
  "IRS"    ....................................................................5
  "Judgment Currency"..........................................................5
  "Maturity"...................................................................5
  "Non-U.S. Person"............................................................5
  "Officer's Certificate"......................................................5
  "144A Global Subordinated Security"..........................................5
  "Opinion of Counsel".........................................................5
  "Original Issue Date"........................................................5
  "Original Issue Discount Subordinated Security"..............................5
  "Outstanding"................................................................6
  "Paying Agent"...............................................................6
  "Periodic Offering"..........................................................6
  "Person" ....................................................................7
  "PORTAL Market"..............................................................7
  "Predecessor Subordinated Security"..........................................7
  "principal"..................................................................7
  "QIB" or "Qualified Institutional Buyer".....................................7


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  "Regular Record Date"........................................................7
  "Registered Global Subordinated Security"....................................7
  "Registered Subordinated Security"...........................................7
  "Regulation S"...............................................................7
  "Regulation S Global Subordinated Security"..................................8
  "Required Currency"..........................................................8
  "Responsible Officer"........................................................8
  "Restricted Subordinated Security"...........................................8
  "Rule 144"...................................................................8
  "Rule 144A"..................................................................8
  "Rule 144K"..................................................................8
  "Securities Act".............................................................8
  "Significant Subsidiary".....................................................8
  "Special Record Date"........................................................8
  "Stated Maturity"............................................................8
  "Subsidiary".................................................................9
  "Subordinated Indenture".....................................................9
  "Transfer Restriction Termination Date"......................................9
  "Trustee"....................................................................9
  "Unregistered Subordinated Security".........................................9
  "U.S. Government Obligations"................................................9
  "Voting Stock"...............................................................9
  "Yield to Maturity"........................................................ 10

ARTICLE 2           SUBORDINATED SECURITIES...................................10
  SECTION 2.1       Forms Generally...........................................10
  SECTION 2.2       Form of Trustee's Certificate 
                        of Authentication.....................................10
  SECTION 2.3       Amount Unlimited; Issuable in Series......................11
  SECTION 2.4       Authentication and Delivery 
                        of Subordinated Securities............................14
  SECTION 2.5       Execution of Subordinated Securities......................18
  SECTION 2.6       Certificate of Authentication.............................18
  SECTION 2.7       Denomination and Date of Subordinated Securities; 
                    Payments of Interest..................................... 19
  SECTION 2.8       Registration, Transfer and Exchange.......................21
  SECTION 2.9       Mutilated, Defaced, Destroyed, Lost and 
                      Stolen Subordinated Securities..........................28
  SECTION 2.10      Cancellation of Subordinated Securities; 
                      Destruction Thereof.....................................30
  SECTION 2.11      Temporary Subordinated Securities.........................30

ARTICLE 3  COVENANTS OF THE COMPANY ..........................................31
  SECTION 3.1       Payment of Principal and Interest.........................31
  SECTION 3.2       Offices for Payments, Etc.................................32
  SECTION 3.3       Appointment to Fill a Vacancy in
                      Office of Trustee.......................................33
  SECTION 3.4       Paying Agents.............................................33
  SECTION 3.5       Compliance Certificates...................................35
  SECTION 3.6       Corporate Existence.......................................35


<PAGE>



  SECTION 3.7       Maintenance of Properties................................35
  SECTION 3.8       Payment of Taxes and Other Claims........................36
  SECTION 3.9       Luxembourg Publications..................................36
  SECTION 3.10      Usury Laws...............................................36

ARTICLE 4   SECURITYHOLDER LISTS AND REPORTS BY THE COMPANY AND THE
            TRUSTEE...........................................................37
  SECTION 4.1       Company to Furnish Trustee Information as 
                      to Names and Addresses of Securityholders...............37
  SECTION 4.2       Preservation of Information; 
                      Communications to Holders...............................37
  SECTION 4.3       Reports by Trustee........................................38
  SECTION 4.4       Reports by Company........................................38

ARTICLE 5   REMEDIES OF THE TRUSTEE AND SECURITYHOLDERS ON EVENT OF
            DEFAULT...........................................................38
  SECTION 5.1       Event of Default Defined, Acceleration of Maturity;  
                      Waiver of Default.......................................38
  SECTION 5.2       Acceleration of Maturity; Rescission and Annulment........40
  SECTION 5.3       Collection of Indebtedness by Trustee; 
                      Trustee May Prove Debt..................................43
  SECTION 5.5       Trustee May Enforce Claims Without 
                      Possession of Subordinated Securities...................45
  SECTION 5.6       Application of Proceeds...................................45
  SECTION 5.7       Suits for Enforcement.....................................46
  SECTION 5.8       Limitations on Suits by Subordinated 
                      Security Holders........................................47
  SECTION 5.9       Unconditional Right of Securityholders
                      to Institute Certain Suits..............................48
  SECTION 5.10      Restoration of Rights on Abandonment 
                      of Proceedings..........................................48
  SECTION 5.11      Powers and Remedies Cumulative; Delay or 
                      Omission Not Waiver of Default..........................48
  SECTION 5.12      Delay or Omission Not Waiver..............................48
  SECTION 5.13      Control by Holders of Subordinated Securities.............49
  SECTION 5.14      Waiver of Past Defaults...................................49
  SECTION 5.15      Trustee to Give Notice of Default, But 
                      May Withhold in Certain Circumstances...................50
  SECTION 5.16      Right of Court to Require Filing of 
                      Undertaking to Pay Costs................................50
  SECTION 5.17      Waiver of Stay or Extension Laws..........................51

ARTICLE 6   CONCERNING THE TRUSTEE............................................51
  SECTION 6.1       Duties and Responsibilities of the Trustee;
                      During Default; Prior to Default........................51
  SECTION 6.2       Certain Rights of the Trustee.............................53
  SECTION 6.3       Trustee Not Responsible for Recitals, 
                      Disposition of Subordinated Securities or 
                      Application of Proceeds Thereof.........................54
  SECTION 6.4       Trustee and Agents May Hold Subordinated 
                      Securities or Coupons;Collections, Etc..................55
  SECTION 6.5       Moneys Held by Trustee....................................55
  SECTION 6.6       Compensation and Indemnification of
                      Trustee and Its Prior Claim.............................55


<PAGE>



  SECTION 6.7       Right of Trustee to Rely on 
                      Officer's Certificate, Etc..............................56
  SECTION 6.8       Subordinated Indentures Not Creating
                      Potential Conflicting Interests for
                      the Trustee.............................................56
  SECTION 6.9       Qualification of Trustee:
                      Conflicting Interests...................................56
  SECTION 6.10      Persons Eligible for Appointment as Trustee...............56
  SECTION 6.11      Resignation and Removal; 
                      Appointment of Successor Trustee........................57
  SECTION 6.12      Acceptance of Appointment by Successor Trustee............59
  SECTION 6.13      Merger, Conversion, Consolidation or
                      Succession to Business of Trustee...................... 60
  SECTION 6.14      Preferential Collection of Claims
                      Against the Company.....................................61
  SECTION 6.15      Appointment of Authenticating Agent.......................61

ARTICLE 7   CONCERNING THE SECURITYHOLDERS....................................63
  SECTION 7.1       Evidence of Action Taken by Securityholders...............63
  SECTION 7.2       Proof of Execution of Instruments and 
                    of Holding of Subordinated Securities.....................63
  SECTION 7.3       Holders to be Treated as Owners...........................64
  SECTION 7.4       Subordinated Securities Owned by
                      Company Deemed NotOutstanding...........................64
  SECTION 7.5       Right of Revocation of Action Taken.......................65

ARTICLE 8           SUPPLEMENTAL SUBORDINATED INDENTURES......................66
  SECTION 8.1       Supplemental Subordinated Indentures 
                      Without Consent of Securityholders......................66
  SECTION 8.2       Supplemental Subordinated Indentures 
                      with Consent of Securityholders.........................68
  SECTION 8.4       Documents to be Given to Trustee..........................70
  SECTION 8.5       Notation on Subordinated Securities in 
                      Respect of Supplemental Subordinated 
                      Indentures..............................................70

ARTICLE 9   CONSOLIDATION, MERGER, SALE OR CONVEYANCE.........................71
  SECTION 9.1       Company May Consolidate, Etc..............................71
  SECTION 9.2       Successor Corporation Substituted.........................72

ARTICLE 10  SATISFACTION AND DISCHARGE........................................72
  SECTION 10.1      Satisfaction and Discharge of 
                      Subordinated Indenture................................. 72
  SECTION 10.2      Application by Trustee of Funds Deposited
                      for Payment of Subordinated Securities..................77
  SECTION 10.3      Repayment of Moneys Held by Paying Agent..................77
  SECTION 10.4      Return of Moneys Held by Trustee and 
                      Paying Agent Unclaimed for Two Years....................78
  SECTION 10.5      Indemnity for U.S. Government of Obligations..............78

ARTICLE 11  MISCELLANEOUS PROVISIONS..........................................78
  SECTION 11.1      Incorporators, Stockholders, Officers and 
                     Directors of Company Exempt from Individual
                     Liability............................................... 78


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  SECTION 11.2      Provisions of Subordinated Indenture for
                      the Sole Benefit of Parties and  Holders 
of                    Subordinated Securities and Coupons.....................79
  SECTION 11.3      Successors and Assigns of Company Bound by 
                      Subordinated Indenture..................................79
  SECTION 11.4      Notices and Demands on Company, Trustee and 
                      Holders of Subordinated Securities and Coupons..........79
  SECTION 11.5      Officer's Certificates and Opinions of Counsel; 
                      Statements to be Contained Therein......................80
  SECTION 11.6      Payments Due on Saturdays, Sundays and Holidays...........81
  SECTION 11.7      Conflict of Any Provision of Subordinated 
                      Indenture with Trust Indenture Act......................82
  SECTION 11.8      New York Law to Govern....................................82
  SECTION 11.9      Counterparts..............................................82
  SECTION 11.10     Effect of Headings....................................... 82
  SECTION 11.11     Subordinated Securities in a Foreign 
                      Currency or in ECU......................................82
  SECTION 11.12     Judgment Currency.........................................83

ARTICLE 12   REDEMPTION OF SUBORDINATED SECURITIES AND SINKING FUNDS..........84
  SECTION 12.1      Applicability of Article..................................84
  SECTION 12.2      Notice of Redemption; Partial Redemptions.................84
  SECTION 12.3      Payment of Subordinated Securities Called 
                      for Redemption........................... 86
  SECTION 12.4      Exclusion of Certain Subordinated Securities
                     from Eligibility forSelection for Redemption.............87
  SECTION 12.5      Mandatory and Optional Sinking Funds......................87




<PAGE>



     THIS  SUBORDINATED  INDENTURE,  dated as of March 20, 1998,  by and between
HEALTHSOUTH Corporation, a Delaware corporation (the "Company"), and The Bank of
Nova Scotia Trust Company of New York, a New York trust company, as trustee (the
"Trustee"),

                              W I T N E S S E T H:

     WHEREAS, the Company has duly authorized the issuance,  sale, execution and
delivery,  from  time  to  time,  of its  unsecured  evidences  of  subordinated
indebtedness (hereinafter referred to as the "Subordinated Securities"), without
limit as to principal  amount,  issuable in one or more  series,  the amount and
terms of each such series to be  determined  as  hereinafter  provided;  and, to
provide the terms and conditions upon which the  Subordinated  Securities are to
be issued,  authenticated  and  delivered,  the Company has duly  authorized the
execution of this Subordinated Indenture; and

     WHEREAS, all acts and things necessary to make the Subordinated Securities,
when executed by the Company and  authenticated  and delivered by the Trustee as
in  this  Subordinated   Indenture  provided,   the  valid,  binding  and  legal
subordinated  obligations of the Company,  and to constitute  this  Subordinated
Indenture a valid indenture and agreement according to its terms, have been done
and performed, and the execution of this Subordinated Indenture and the issuance
hereunder  of the  Subordinated  Securities  have  in  all  respects  been  duly
authorized; and

     WHEREAS, all things necessary to make this Subordinated Indenture a
valid indenture and agreement according to its terms have been done;

     NOW, THEREFORE:

     In  consideration  of the  premises and the  purchases of the  Subordinated
Securities by the holders thereof, the Company and the Trustee mutually covenant
and agree for the equal and proportionate benefit of the respective holders from
time  to  time  of the  Subordinated  Securities  and of the  coupons,  if  any,
appertaining thereto as follows:

                                    ARTICLE 1

                                   DEFINITIONS

SECTION 1.1 Certain Terms Defined.

     The following terms (except as otherwise  expressly  provided or unless the
context  otherwise  clearly  requires)  for all  purposes  of this  Subordinated
Indenture and of any  indenture  supplemental  hereto shall have the  respective
meanings  specified in this Section.  All other terms used in this  Subordinated
Indenture  that are defined in the Trust  Indenture Act of 1939, as amended (the
"Trust  Indenture  Act"),  or the  definitions of which in the Securities Act of
1933, as amended (the "Securities  Act"), are referred to in the Trust Indenture
Act,  including terms defined therein by reference to the Securities Act (except
as herein otherwise expressly provided


<PAGE>



or unless the context  otherwise  requires),  shall have the meaning assigned to
such terms in the Trust  Indenture  Act and in the  Securities  Act as in effect
from time to time.  All accounting  terms used herein and not expressly  defined
shall have the  meanings  assigned to such terms in  accordance  with  generally
accepted  accounting  principles,  and the term "generally  accepted  accounting
principles"  means such accounting  principles as are generally  accepted at the
time of any computation  unless a different time shall be specified with respect
to such series of  Subordinated  Securities  as provided for in Section 2.3. The
words "herein," "hereof" and "hereunder" and other words of similar import refer
to this  Subordinated  Indenture as a whole and not to any  particular  Article,
Section  or other  subdivision.  The  terms  defined  in this  Article  have the
meanings  assigned to them in this Article and include the plural as well as the
singular.

     "Affiliate"  has the same  meaning as given to that term in Rule 405 of the
Securities Act or any successor provision.

     "Authenticating Agent" shall have the meaning set forth in Section 6.15.

     "Authorized Newspaper" means a newspaper (which, in the case of The City of
New York, will, if practicable, be The Wall Street Journal (Eastern Edition), in
the case of the United  Kingdom  of Great  Britain  and  Northern  Ireland  (the
"United Kingdom"), will, if practicable, be The Financial Times (London Edition)
and,  in the case of the Grand  Duchy of  Luxembourg  ("Luxembourg"),  will,  if
practicable,  be the  Luxemburger  Wort)  published  in an  official  or  common
language of the county of publication  customarily published at least once a day
for at least five days in each calendar week and of general  circulation  in The
City of New York, the United Kingdom or Luxembourg,  as applicable.  If it shall
be  impractical  in the  opinion of the Trustee to make any  publication  of any
notice  required  hereby in an Authorized  Newspaper,  any  publication or other
notice in lieu  thereof  which is made or given with the approval of the Trustee
shall constitute a sufficient publication of such notice.

     "Board of Directors"  means either the Board of Directors of the Company or
any committee of such Board duly authorized to act on its behalf.

     "Board  Resolution" means a copy of one or more  resolutions,  certified by
the secretary or an assistant secretary of the Company to have been duly adopted
or consented  to by the Board of  Directors  and to be in full force and effect,
and delivered to the Trustee.

     "Business  Day" means,  with respect to any  Subordinated  Security,  a day
other than any day on which banking  institutions  in the city (or in any of the
cities, if more than one) in which amounts are payable, as specified in the form
of such Subordinated  Security, are authorized or required by any applicable law
or regulation to be closed.

     "Capital Stock" of any Person means any and all shares, rights to purchase,
warrants or options  (whether or not currently  exercisable);  participation  or
other  equivalents of or interest in (however  designated) the equity (including
without  limitation  common stock,  preferred  stock and  partnership  and joint
venture  interests)  of such  Person  (excluding  any debt  securities  that are
convertible into, or exchangeable for, such equity).


<PAGE>



     "Commission" means the Securities and Exchange Commission,  as from time to
time  constituted,  created  under the Exchange Act, or if at any time after the
execution and delivery of this  Subordinated  Indenture  such  Commission is not
existing and performing the duties now assigned to it under the Trust  Indenture
Act, then the body performing such duties on such date.

     "Common  Equity" of any Person means all Capital  Stock of such Person that
is generally entitled to (a) vote in the election of directors of such Person or
(b) if such Person is not a  corporation,  vote or otherwise  participate in the
selection of the governing body, partners,  managers or others that will control
the management and policies of such Person.

     "Company" means the Person named as the "Company" in the first paragraph of
this instrument  until a successor Person shall have become such pursuant to the
applicable provisions of this Subordinated  Indenture,  and thereafter "Company"
shall mean such successor Person.

     "Company Order" means a written statement,  request or order of the Company
signed in its name by the chairman of the Board of Directors, the president, any
vice president or the treasurer of the Company.

     "Consolidated Tangible Assets" of any Person as of any date means the total
assets of such Person and its  Subsidiaries  (excluding any assets that would be
classified as "intangible assets" under generally accepted accounting principles
("GAAP")) on a consolidated basis at such date, as determined in accordance with
GAAP,  less all  write-ups  subsequent  to the date of initial  issuance  of the
Securities  in the book  value of any asset  owned by such  Person or any of its
Subsidiaries.

     "Corporate  Trust  Office"  means the  office of the  Trustee  at which the
corporate  trust  business of the Trustee  shall,  at any  particular  time,  be
principally  administered,  which office is, as of the date of this Subordinated
Indenture,  located at One Liberty Plaza,  23rd Floor, New York, New York 10006,
Attention: Corporate Trust Administration.

     "Coupon"  means  any  interest  coupon   appertaining  to  an  Unregistered
Subordinated Security.

     "Covenant Defeasance" shall have the meaning set forth in Section 10.1(C).

     "Defaulted Interest" has the meaning specified in Section 2.7.

     "Depositary"  means,  with respect to the  Subordinated  Securities  of any
series  issuable  or  issued  in  the  form  of one or  more  Registered  Global
Subordinated  Securities,  the Person  designated  as  Depositary by the Company
pursuant  to Section  2.3 until a  successor  Depositary  shall have become such
pursuant  to the  applicable  provisions  of this  Subordinated  Indenture,  and
thereafter  "Depositary"  shall  mean  or  include  each  Person  who is  then a
Depositary  hereunder,  and if at any time  there is more than one such  Person,
"Depositary"  as used with respect to the  Subordinated  Securities  of any such
series  shall  mean  the  Depositary  with  respect  to  the  Registered  Global
Subordinated Securities of that series.


<PAGE>



     "Dollar" or "$" means the coin or currency of the United  States of America
as at the time of payment is legal  tender for the payment of public and private
debts.

     "ECU" means the European  Currency Unit as defined and revised from time to
time by the European Monetary System of the European Community.

     "Event  of  Default"  means  any event or  condition  specified  as such in
Section 5.1.

     "Exchange Act" means the Securities Exchange Act of 1934, as amended.

     "Fair  Value"  when used with  respect to any Voting  Stock  means the fair
value as determined in good faith by the Board of Directors of the Company.

     "Foreign  Currency"  means a currency issued by the government of a country
other than the United States of America.

     "Holder," "Holder of Subordinated  Securities,"  "Securityholder"  or other
similar terms mean (a) in the case of any Registered  Subordinated Security, the
person in whose name such  Subordinated  Security is  registered in the Security
Register  kept by the  Company  for that  purpose in  accordance  with the terms
hereof,  and (b) in the  case of any  Unregistered  Subordinated  Security,  the
bearer of such Subordinated Security, or any Coupon appertaining thereto, as the
case may be.

     "Interest  Payment  Date," means the Stated  Maturity of an  installment of
interest on such Subordinated Security.

     "IRS" means the Internal Revenue Service of the United States Department of
the Treasury, or any successor entity.

     "Judgment Currency" has the meaning set forth in Section 11.12.

     "Maturity",  when used with respect to any Subordinated Security, means the
date on which  the  principal  of such  Subordinated  Security  becomes  due and
payable as  therein or herein  provided,  whether at the Stated  Maturity  or by
declaration of acceleration, call for redemption or otherwise.

     "Non-U.S. Person" means any person that is not a "U.S. person" as such term
is defined in Rule 902 of the Securities Act.

     "Officer's  Certificate"  means a certificate signed by the chairman of the
Board of Directors,  the president or any vice president or the treasurer of the
Company and delivered to the Trustee.  Each such  certificate  shall comply with
Section 314 of the Trust  Indenture Act and include the statements  provided for
in Section 11.5.

     "144A Global  Subordinated  Security"  has the meaning set forth in Section
2.8(b)(i).


<PAGE>



     "Opinion of Counsel"  means an opinion in writing  signed by legal  counsel
who may be an  employee  of the  Company or other  counsel  satisfactory  to the
Trustee.  Each such opinion shall comply with Section 314 of the Trust Indenture
Act and include the statements provided for in Section 11.5.

     "Original  Issue Date" of any  Subordinated  Security (or portion  thereof)
means the earlier of (a) the date of such Subordinated  Security or (b) the date
of any Subordinated  Security (or portion  thereof) for which such  Subordinated
Security  was issued  (directly  or  indirectly)  on  registration  of transfer,
exchange or substitution.

     "Original  Issue Discount  Subordinated  Security"  means any  Subordinated
Security that provides for an amount less than the principal  amount  thereof to
be due and payable upon a declaration of  acceleration  of the Maturity  thereof
pursuant to Section 5.2.

     "Outstanding" (except as otherwise provided in Section 7.4), when used with
reference  to  Subordinated  Securities,  means,  subject to the  provisions  of
Section  7.4,  as  of  any   particular   time,  all   Subordinated   Securities
authenticated  and delivered by the Trustee under this  Subordinated  Indenture,
except

     (a)  Subordinated   Securities  theretofore  canceled  by  the  Trustee  or
delivered to the Trustee for cancellation;

     (b)  Subordinated  Securities,  or  portions  thereof,  for the  payment or
redemption of which moneys or U.S.  Government  Obligations  (as provided for in
Section  10.1) in the necessary  amount shall have been  deposited in trust with
the Trustee or with any Paying Agent (other than the Company) or shall have been
set aside,  segregated  and held in trust by the Company for the Holders of such
Subordinated  Securities  (if the  Company  shall act as its own Paying  Agent),
provided, that if such Subordinated  Securities,  or portions thereof, are to be
redeemed prior to the Maturity  thereof,  notice of such  redemption  shall have
been given as herein provided,  or provisions  satisfactory to the Trustee shall
have been made for giving such notice; and

     (c)  Subordinated  Securities which shall have been paid or in substitution
for which  other  Subordinated  Securities  shall  have been  authenticated  and
delivered  pursuant to the terms of Section 2.9 (except with respect to any such
Subordinated Security as to which proof satisfactory to the Trustee is presented
that  such  Subordinated  Security  is held by a  person  in  whose  hands  such
Subordinated Security is a legal, valid and binding obligation of the Company).

     In  determining  whether the Holders of the requisite  principal  amount of
Outstanding Subordinated Securities of any or all series have given any request,
demand,  authorization,  direction,  notice,  consent or waiver  hereunder,  the
principal amount of an Original Issue Discount  Subordinated Security that shall
be  deemed  to be  Outstanding  for such  purposes  shall be the  amount  of the
principal  thereof  that  would  be due  and  payable  as of the  date  of  such
determination  upon  a  declaration  of  acceleration  of the  Maturity  thereof
pursuant to Section 5.2.


<PAGE>



     "Paying  Agent"  means any  Person  authorized  by the  Company  to pay the
principal of (and  premium,  if any) or interest on any  Securities on behalf of
the Company.

     "Periodic  Offering"  means an offering  of  Subordinated  Securities  of a
series from time to time, the specific terms of which  Subordinated  Securities,
including,  without limitation,  the rate or rates of interest, if any, thereon,
the Stated Maturity or Maturities thereof and the redemption provisions, if any,
with respect thereto, are to be determined by the Company or its agents upon the
issuance of such Subordinated Securities.

     "Person" means any individual, corporation,  partnership, limited liability
company, joint venture, association,  joint stock company, trust, unincorporated
organization or government or any agency or political subdivision thereof.

     "PORTAL  Market"  means  Private  Offerings,  Resales and  Trading  through
Automatic Linkages Market.

     "Predecessor Subordinated Security" of any particular Subordinated Security
means every previous  Subordinated  Security  evidencing all or a portion of the
same debt as that evidenced by such particular  Subordinated Security;  and, for
the purposes of this definition,  any Subordinated  Security  authenticated  and
delivered  under  Section  2.4  in  exchange  for  or in  lieu  of a  mutilated,
destroyed,  lost or stolen Subordinated Security shall be deemed to evidence the
same debt as the mutilated, destroyed, lost or stolen Subordinated Security.

     "principal" whenever used with reference to the Subordinated  Securities or
any  Subordinated  Security or any portion  thereof,  shall be deemed to include
"and premium,  if any," provided,  however,  that such inclusion of premium,  if
any, shall under no circumstances  result in the double counting of such premium
for the purpose of any calculation required hereunder.

     "QIB" or "Qualified  Institutional  Buyer" means  "Qualified  Institutional
Buyer" as such term is defined in Rule 144A under the Securities Act.

     "Regular Record Date" for the interest payable on any Interest Payment Date
on the  securities  of any series means the date  specified  for that purpose as
contemplated in Section 2.3.

     "Registered  Global  Subordinated  Security" means a Subordinated  Security
evidencing  all or a part of a series  of  Registered  Subordinated  Securities,
issued to the  Depositary  for such series in  accordance  with Section 2.4, and
bearing the legend  prescribed  in Section 2.4 and any other legend  required by
the Depositary for such series.

     "Registered   Subordinated   Security"  means  any  Subordinated   Security
registered on the Subordinated Security Register of the Company.

     "Regulation  S"  means  Regulation  S  under  the  Securities  Act,  or any
successor provision.


<PAGE>



     "Regulation  S Global  Subordinated  Security" has the meaning set forth in
Section 2.8(b).

     "Required Currency" shall have the meaning set forth in Section 11.12 .

     "Responsible  Officer"  when used with  respect  to the  Trustee  means the
chairman of the board of directors, any vice chairman of the board of directors,
the chairman of the trust  committee,  the chairman of the executive  committee,
any vice chairman of the executive committee,  the president, any vice president
(whether or not  designated  by numbers or words added before or after the title
"Vice President"), the cashier, the secretary, the treasurer, any trust officer,
any  assistant  trust  officer,  any  assistant  vice  president,  any assistant
cashier, any assistant secretary,  any assistant treasurer, or any other officer
or assistant officer of the Trustee customarily  performing functions similar to
those  performed  by the  persons  who at  the  time  shall  be  such  officers,
respectively,  or to whom any corporate trust matter is referred  because of his
or her knowledge of and familiarity with the particular subject.

     "Restricted  Subordinated  Security"  has the  meaning set forth in Section
2.8(b).

     "Rule 144" means Rule 144 under the Securities Act.

     "Rule 144A" means Rule 144A under the Securities Act.

     "Rule 144K" means Rule 144(k) under the Securities Act.

     "Securities Act" means the Securities Act of 1933, as amended.

     "Security  Register" and "Security  Registrar" have the respective meanings
specified in Section 2.9.

     "Significant  Subsidiary"  means a Subsidiary  of the Company  which at the
time of determination  either (i) had tangible assets which, as of the Company's
most recent  quarterly  consolidated  balance sheet,  constituted at least 5% of
Consolidated  Tangible  Assets as of such  date,  or (ii) had  revenues  for the
12-month  period  ending  on the date of the  Company's  most  recent  quarterly
consolidated  statement of income which constituted at least 5% of the Company's
total consolidated revenues for such period.

     "Special  Record Date" for the payment of any  Defaulted  Interest  means a
date fixed by the Trustee pursuant to Section 2.7.

     "Stated Maturity",  when used with respect to any Subordinated  Security or
any  installment  of  interest  thereon,   means  the  date  specified  in  such
Subordinated  Security  as the  fixed  date  on  which  the  principal  of  such
Subordinated Security or such installment of interest is due and payable.

     "Subsidiary" of any Person means (a) any corporation of which Common Equity
having  ordinary  voting  power to elect a  majority  of the  directors  of such
corporation is owned by such


<PAGE>



Person directly or through one or more other subsidiaries of such Person and (b)
any  entity  other  than  a  corporation  in  which  such  Person,  directly  or
indirectly,  owns at least 50% of the Common  Equity of such  entity and has the
authority to manage such entity on a day-to-day basis.

     "Subordinated  Indenture" means this instrument as originally  executed and
delivered or, if amended or  supplemented as herein  provided,  as so amended or
supplemented or both, and shall include the forms and terms of particular series
of Subordinated Securities established as contemplated hereunder.

     "Subordinated  Security" or "Subordinated  Securities" (except as otherwise
provided  in Section  7.4) has the meaning  stated in the first  recital of this
Subordinated  Indenture,  or, as the case may be,  Subordinated  Securities that
have been authenticated and delivered under this Subordinated Indenture.

     "Transfer Restriction Termination Date" means the earlier of the first date
on  which  (i)  the  Subordinated  Securities  of  a  series  (other  than  such
Subordinated  Securities  acquired by the Company or any Affiliate thereof since
the issue date of such  Subordinated  Securities)  may be sold  pursuant to Rule
144K (or any successor provision) and (ii) all such Subordinated Securities have
been exchanged or sold pursuant to an effective registration statement.

     "Trustee"  means the Person  identified as "Trustee" in the first paragraph
hereof  and,  subject to the  provisions  of Article 6, shall also  include  any
successor trustee.  "Trustee" shall also mean or include each Person who is then
a  trustee  hereunder  and if at any time  there is more  than one such  Person,
"Trustee"  as used with  respect to the  Subordinated  Securities  of any series
shall mean the  trustee  with  respect to the  Subordinated  Securities  of such
series.

     "Unregistered  Subordinated Security" means any Subordinated Security other
than a Registered Subordinated Security.

     "U.S.  Government  Obligations" shall have the meaning set forth in Section
10.1(A).

     "Voting  Stock" means stock of any class or classes  having  general voting
power  under  ordinary  circumstances  to  elect  a  majority  of the  board  of
directors,  managers or trustees of the corporation in question, provided, that,
for  the  purposes   hereof,   stock  which  carries  only  the  right  to  vote
conditionally on the happening of an event shall not be considered  voting stock
whether or not such event shall have happened.

     "Yield to Maturity"  means the yield to maturity on a series of securities,
calculated  at the time of issuance of such series,  or, if  applicable,  at the
most recent  redetermination  of  interest on such  series,  and  calculated  in
accordance with accepted financial practice.


<PAGE>



                                    ARTICLE 2


                             SUBORDINATED SECURITIES

SECTION 2.1 Forms Generally.

     The Subordinated  Securities of each series and the Coupons,  if any, to be
attached thereto shall be substantially in such form (not inconsistent with this
Subordinated  Indenture) as shall be  established  by or pursuant to one or more
Board  Resolutions  (as  set  forth  in a Board  Resolution  or,  to the  extent
established  pursuant to but not set forth in a Board  Resolution,  an Officer's
Certificate   detailing  such  establishment)  or  in  one  or  more  indentures
supplemental hereto, in each case with such appropriate  insertions,  omissions,
substitutions  and  other  variations  as are  required  or  permitted  by  this
Subordinated  Indenture and may have imprinted or otherwise  reproduced  thereon
such legend or legends or endorsements,  not inconsistent with the provisions of
this Subordinated  Indenture,  as may be required to comply with any law or with
any rules or regulations  pursuant thereto,  or with any rules of any securities
exchange  or to  conform  to  general  usage,  all as may be  determined  by the
officers  executing  such  Subordinated  Securities  and  Coupons,  if  any,  as
evidenced by their execution of such Subordinated Securities and Coupons.

     The  definitive  Subordinated  Securities  and  Coupons,  if any,  shall be
printed,  lithographed or engraved on steel engraved  borders or may be produced
in  any  other  manner,  all  as  determined  by  the  officers  executing  such
Subordinated  Securities and Coupons, if any, as evidenced by their execution of
such Subordinated Securities and Coupons, if any.

SECTION 2.2 Form of Trustee's Certificate of Authentication.

     The Trustee's certificate of authentication on all Subordinated  Securities
shall be in substantially the following form:

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

                                            [__________________________________]

                                            as Trustee

                                             By_________________________________

                                                  Authorized Signatory"


<PAGE>



     If at any  time  there  shall be an  Authenticating  Agent  appointed  with
respect to any series of Subordinated Securities, then the Trustee's Certificate
of Authentication to be borne by the Subordinated Securities of each such series
shall be substantially as follows:

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

                                            [__________________________________]
                                               as Authenticating Agent


                                            By__________________________________
                                                 Authorized Signatory"


SECTION 2.3 Amount Unlimited; Issuable in Series.

     The aggregate  principal  amount of  Subordinated  Securities  which may be
authenticated and delivered under this Subordinated Indenture is unlimited.

     The  Subordinated  Securities  may be issued in one or more series and each
such series shall be established in or pursuant to one or more Board Resolutions
(and  to the  extent  established  pursuant  to but  not  set  forth  in a Board
Resolution,  in  an  Officer's  Certificate  detailing  such  establishment)  or
established in one or more indentures  supplemental hereto, prior to the initial
issuance of Subordinated Securities of any series,

     (1) the  designation of the  Subordinated  Securities of the series,  which
shall   distinguish  the   Subordinated   Securities  of  the  series  from  the
Subordinated  Securities of all other series,  and which may be part of a series
of Subordinated Securities previously issued;

     (2) any limit  upon the  aggregate  principal  amount  of the  Subordinated
Securities  of the series that may be  authenticated  and  delivered  under this
Subordinated  Indenture  (except for Subordinated  Securities  authenticated and
delivered upon  registration  of transfer of, or in exchange for, or in lieu of,
other Subordinated  Securities of the series pursuant to Section 2.8, 2.9, 2.11,
8.5 or 12.3);

     (3) if other than Dollars,  the coin or currency in which the  Subordinated
Securities  of the series are  denominated  (including,  but not limited to, any
Foreign Currency or ECU);

     (4) the date or dates on which the principal of the Subordinated Securities
of the series is payable;

     (5) the rate or rates at which the  Subordinated  Securities  of the series
shall bear  interest,  if any, the date or dates from which such interest  shall
accrue,  on which such interest  shall be payable and (in the case of Registered
Subordinated Securities) on which a


<PAGE>



record  shall be taken for the  determination  of  Holders to whom  interest  is
payable  and/or the method by which such rate or rates or date or dates shall be
determined;

     (6) the  place  or  places  where  the  principal  of and any  interest  on
Subordinated  Securities  of the  series  shall be  payable,  if  other  than as
provided in Section 3.2;

     (7) the right, if any, of the Company to redeem Subordinated Securities, in
whole or in part,  at its option and the period or  periods  within  which,  the
price or prices at which and any terms and  conditions  upon which  Subordinated
Securities  of the series may be so  redeemed,  pursuant to any sinking  fund or
otherwise;

     (8) the  obligation,  if any, of the  Company to redeem,  purchase or repay
Subordinated  Securities  of the series  pursuant to any  mandatory  redemption,
sinking fund or analogous  provisions  or at the option of a Holder  thereof and
the  price or prices at which and the  period or  periods  within  which and any
terms and conditions upon which  Subordinated  Securities of the series shall be
redeemed, purchased or repaid, in whole or in part, pursuant to such obligation;

     (9) if other than denominations of $1,000 and any integral multiple thereof
in the case of Registered Subordinated  Securities,  or $1,000 and $5,000 in the
case  of  Unregistered  Subordinated  Securities,  the  denominations  in  which
Subordinated Securities of the series shall be issuable;

     (10) if  other  than the  principal  amount  thereof,  the  portion  of the
principal amount of Subordinated Securities of the series which shall be payable
upon declaration of acceleration of the Maturity thereof;

     (11) if  other  than  the  coin  or  currency  in  which  the  Subordinated
Securities of the series are denominated,  the coin or currency in which payment
of the  principal of or interest on the  Subordinated  Securities of such series
shall be payable;

     (12) if the principal of or interest on the Subordinated  Securities of the
series are to be payable, at the election of the Company or a Holder thereof, in
a coin or  currency  other than that in which the  Subordinated  Securities  are
denominated,  the period or periods  within which,  and the terms and conditions
upon which, such election may be made;

     (13)  if the  amount  of  payments  of  principal  of and  interest  on the
Subordinated  Securities  of the series may be determined  with  reference to an
index  based on a coin or  currency  other  than that in which the  Subordinated
Securities of the series are denominated, the manner in which such amounts shall
be determined;

     (14) whether the Subordinated  Securities of the series will be issuable as
Registered  Subordinated  Securities  (and  if  so,  whether  such  Subordinated
Securities  will be issuable as Registered  Global  Subordinated  Securities) or
Unregistered   Subordinated   Securities  (with  or  without  Coupons),  or  any
combination of the foregoing,  any restrictions applicable to the offer, sale or
delivery of Unregistered Subordinated Securities or the payment of interest


<PAGE>



thereon  and,  if other than as provided  in Section  2.8,  the terms upon which
Unregistered  Subordinated  Securities  of  any  series  may  be  exchanged  for
Registered Subordinated Securities of such series and vice versa;

     (15) whether and under what  circumstances  the Company will pay additional
amounts on the Subordinated Securities of the series held by a person who is not
a U.S. person in respect of any tax,  assessment or governmental charge withheld
or deducted  and, if so,  whether the Company will have the option to redeem the
Subordinated Securities of the series rather than pay such additional amounts;

     (16) if the  Subordinated  Securities  of the series are to be  issuable in
definitive  form (whether  upon  original  issue or upon exchange of a temporary
Subordinated  Security of such series) only upon receipt of certain certificates
or other documents or satisfaction  of other  conditions,  the form and terms of
such certificates, documents or conditions;

     (17) any trustees, depositaries,  authenticating or paying agents, transfer
agents or  registrars  of any other  agents  with  respect  to the  Subordinated
Securities of such series;

     (18)  any  other  events  of  default  or  covenants  with  respect  to the
Subordinated Securities of such series;

     (19)  the  terms  of   subordination   applicable  to  any  series  of  the
Subordinated Securities;

     (20) if the  Subordinated  Securities  of the series are to be  convertible
into or exchangeable for any other security; and

     (21) any other terms of the series  (which terms shall not be  inconsistent
with the provisions of this Subordinated Indenture).

     All  Subordinated  Securities  of any  one  series  and  Coupons,  if  any,
appertaining  thereto shall be  substantially  identical,  except in the case of
Registered  Subordinated  Securities  as  to  denomination  and  except  as  may
otherwise  be  provided  by or pursuant  to the Board  Resolution  or  Officer's
Certificate  referred  to above or as set  forth in any  indenture  supplemental
hereto. All Subordinated  Securities of any one series need not be issued at the
same time and may be issued from time to time, consistent with the terms of this
Subordinated  Indenture, if so provided by or pursuant to such Board Resolution,
such Officer's Certificate or in any indenture supplemental hereto.

SECTION 2.4 Authentication and Delivery of Subordinated Securities.

     The  Company  may  deliver  Subordinated  Securities  of any series  having
attached thereto  appropriate  Coupons,  if any,  executed by the Company to the
Trustee for  authentication  together with the applicable  documents referred to
below in this Section  2.4, and the Trustee  shall  thereupon  authenticate  and
deliver such Subordinated  Securities and Coupons,  if any, to or upon the order
of the  Company  (contained  in the  Company  Order  referred  to  below in this
Section)


<PAGE>



or pursuant to such procedures  acceptable to the Trustee and to such recipients
as may be specified  from time to time by a Company  Order.  The maturity  date,
original  issue  date,  interest  rate and any other  terms of the  Subordinated
Securities  of such series and Coupons,  if any,  appertaining  thereto shall be
determined by or pursuant to such Company Order and procedures.  If provided for
in such procedures, such Company Order may authorize authentication and delivery
pursuant  to oral or  electronic  instructions  from  the  Company  or its  duly
authorized  agent or agents,  which  instructions,  if oral,  shall be  promptly
confirmed  in  writing.  In  authenticating  such  Subordinated  Securities  and
accepting the additional  responsibilities  under this Subordinated Indenture in
relation  to such  Subordinated  Securities,  the  Trustee  shall be entitled to
receive (in the case of  subparagraphs  (2), (3) and (4) below only at or before
the time of the first  request  of the  Company to the  Trustee to  authenticate
Subordinated  Securities  of such  series) and (subject to Section 6.1) shall be
fully protected in relying upon, the following  enumerated  documents unless and
until such documents have been superseded or revoked:

     (1) a Company  Order  requesting  such  authentication  and  setting  forth
delivery  instructions if the Subordinated  Securities and Coupons,  if any, are
not to be delivered to the Company,  provided that, with respect to Subordinated
Securities of a series  subject to a Periodic  Offering,  (a) such Company Order
may be  delivered  by the  Company to the Trustee  prior to the  delivery to the
Trustee of such Subordinated Securities for authentication and delivery, (b) the
Trustee shall  authenticate and deliver  Subordinated  Securities of such series
for  original  issue from time to time,  in an  aggregate  principal  amount not
exceeding the aggregate  principal amount established for such series,  pursuant
to a Company Order or pursuant to procedures acceptable to the Trustee as may be
specified from time to time by a Company Order,  (c) the maturity date or dates,
original  issue  date or dates,  interest  rate or rates and any other  terms of
Subordinated Securities of such series shall be determined by a Company Order or
pursuant to such  procedures  and (d) if provided for in such  procedures,  such
Company  Order may  authorize  authentication  and delivery  pursuant to oral or
electronic instructions from the Company or its duly authorized agent or agents,
which instructions, if oral, shall be promptly confirmed in writing;

     (2)  any  Board   Resolution,   Officer's   Certificate   and/or   executed
supplemental  indenture  referred  to in Section  2.1 and 2.3 by or  pursuant to
which the forms and terms of the  Subordinated  Securities and Coupons,  if any,
were established;

     (3) an Officer's  Certificate  setting forth the form or forms and terms of
the Subordinated  Securities and Coupons, if any, stating that the form or forms
and  terms  of the  Subordinated  Securities  and  Coupons,  if any,  have  been
established  pursuant to Sections 2.1 and 2.3 and comply with this  Subordinated
Indenture,  and  covering  such other  matters  as the  Trustee  may  reasonably
request; and

     (4) At the option of the Company,  either one or more  Opinions of Counsel,
or a  letter  addressed  to the  Trustee  permitting  it to  rely on one or more
Opinions of Counsel, substantially to the effect that:


<PAGE>



          (a) the form or forms of the Subordinated  Securities and Coupons,  if
     any, have been duly  authorized  and  established  in  conformity  with the
     provisions of this Subordinated Indenture;

          (b)  in  the  case  of an  underwritten  offering,  the  terms  of the
     Subordinated  Securities  have  been duly  authorized  and  established  in
     conformity with the provisions of this Subordinated Indenture,  and, in the
     case  of an  offering  that  is  not  underwritten,  certain  terms  of the
     Subordinated   Securities  have  been  established   pursuant  to  a  Board
     Resolution,  an  Officer's  Certificate  or  a  supplemental  indenture  in
     accordance with this Subordinated  Indenture,  and when such other terms as
     are to be  established  pursuant to procedures set forth in a Company Order
     shall have been established,  all such terms will have been duly authorized
     by the  Company  and will  have been  established  in  conformity  with the
     provisions of this Subordinated Indenture; and

          (c) such Subordinated Securities and Coupons, if any, when executed by
     the  Company  and  authenticated  by the  Trustee  in  accordance  with the
     provisions  of this  Subordinated  Indenture and delivered to and duly paid
     for by the purchasers thereof,  and subject to any conditions  specified in
     such Opinion of Counsel, will have been duly issued under this Subordinated
     Indenture, will be entitled to the benefits of this Subordinated Indenture,
     and will be valid and binding  obligations  of the Company,  enforceable in
     accordance with their respective terms except as the enforceability thereof
     may be limited by (i)  bankruptcy,  insolvency  or similar  laws  affecting
     creditors' rights generally, (ii) rights of acceleration, if any, and (iii)
     the  availability  of  equitable  remedies  may  be  limited  by  equitable
     principles  of  general  applicability  and such  counsel  need  express no
     opinion with regard to the  enforceability  of Section 6.6 or of a judgment
     denominated in a currency other than Dollars.

     In  rendering  such  opinions,  any counsel may qualify any  opinions as to
enforceability by stating that such enforceability may be limited by bankruptcy,
insolvency,  reorganization,  liquidation,  moratorium,  fraudulent transfer and
other similar laws affecting the rights and remedies of creditors and is subject
to general  principles of equity  (regardless of whether such  enforceability is
considered  in a  proceeding  in equity or at law).  Such  counsel may rely upon
opinions of other  counsel  (copies of which shall be  delivered to the Trustee)
reasonably  satisfactory  to the Trustee,  in which case the opinion shall state
that such  counsel  believes he and the Trustee  are  entitled so to rely.  Such
counsel may also state that,  insofar as such opinion  involves factual matters,
he has relied,  to the extent he deems proper,  upon certificates of officers of
the Company and its subsidiaries and certificates of public officials.

     The Trustee shall have the right to decline to authenticate and deliver any
Subordinated  Securities  under this  section if the Trustee,  being  advised by
counsel, determines that such action may not lawfully be taken by the Company or
if the  Trustee in good faith by its board of  directors  or board of  trustees,
executive  committee  or a  trust  committee  of  directors  or  trustees  shall
determine  that such action  would  expose the Trustee to personal  liability to
existing Holders or would affect the Trustee's own rights,  duties or immunities
under the Subordinated Securities, this Subordinated Indenture or otherwise.


<PAGE>




     If  the  Company  shall   establish   pursuant  to  Section  2.3  that  the
Subordinated  Securities of a series are to be issued in the form of one or more
Registered Global  Subordinated  Securities,  then the Company shall execute and
the Trustee  shall,  in accordance  with this Section and the Company Order with
respect to such series,  authenticate and deliver one or more Registered  Global
Subordinated  Securities that (i) shall represent and shall be denominated in an
amount  equal  to the  aggregate  principal  amount  of all of the  Subordinated
Securities of such series issued and not yet canceled,  (ii) shall be registered
in the name of the Depositary for such Registered Global  Subordinated  Security
or  Subordinated  Securities or the nominee of such  Depositary,  (iii) shall be
delivered by the Trustee to such  Depositary  or  delivered or held  pursuant to
such Depositary's instructions and (iv) shall bear a legend substantially to the
following  effect:  "Unless  and until it is  exchanged  in whole or in part for
Subordinated   Securities  in  definitive  registered  form,  this  Subordinated
Security  may not be  transferred  except  as a whole by the  Depositary  to the
nominee of the Depositary or by a nominee of the Depositary to the Depositary or
another  nominee of the Depositary or by the Depositary or any such nominee to a
successor Depositary or a nominee of such successor Depositary."

     Each Depositary designated pursuant to Section 2.3 must, at the time of its
designation and at all times while it serves as Depositary, be a clearing agency
registered  under  the  Exchange  Act  and  any  other  applicable   statute  or
regulation.

SECTION 2.5 Execution of Subordinated Securities.

     The Subordinated  Securities and each Coupon appertaining  thereto, if any,
shall be signed on behalf of the Company by the chairman or vice chairman of its
Board of Directors or its president,  or any executive (senior or other), a vice
president  or its  treasurer,  under its  corporate  seal (except in the case of
Coupons) which may, but need not, be attested. Such signatures may be the manual
or facsimile signatures of the present or any future such officers.  The seal of
the  Company may be in the form of a  facsimile  thereof  and may be  impressed,
affixed,  imprinted  or otherwise  reproduced  on the  Subordinated  Securities.
Typographical  and other minor errors or defects in any such reproduction of the
seal or any such signature  shall not affect the validity or  enforceability  of
any Subordinated  Security that has been duly authenticated and delivered by the
Trustee.

     In case any  officer  of the  Company  who  shall  have  signed  any of the
Subordinated  Securities  or Coupons,  if any,  shall  cease to be such  officer
before  the  Subordinated  Security  or Coupon so  signed  (or the  Subordinated
Security to which the Coupon so signed  appertains)  shall be authenticated  and
delivered  by the  Trustee or  disposed  of by the  Company,  such  Subordinated
Security or Coupon  nevertheless may be authenticated  and delivered or disposed
of as though the person who signed such Subordinated  Security or Coupon had not
ceased to be such  officer of the  Company;  and any  Subordinated  Security  or
Coupon may be signed on behalf of the Company by such  persons as, at the actual
date of the  execution  of such  Subordinated  Security or Coupon,  shall be the
proper  officers  of the  Company,  although  at the date of the  execution  and
delivery of this Subordinated Indenture any such person was not such an officer.


<PAGE>



SECTION 2.6 Certificate of Authentication.

     Only such  Subordinated  Securities as shall bear thereon a certificate  of
authentication  substantially in the form hereinbefore recited,  executed by the
Trustee by the manual  signature  of one of its  authorized  officers,  shall be
entitled  to  the  benefits  of  this  Subordinated  Indenture  or be  valid  or
obligatory for any purpose.  No Coupon shall be entitled to the benefits of this
Subordinated  Indenture or shall be valid and  obligatory  for any purpose until
the certificate of  authentication  on the  Subordinated  Security to which such
Coupon appertains shall have been duly executed by the Trustee. The execution of
such certificate by the Trustee upon any Subordinated  Security  executed by the
Company  shall  be  conclusive  evidence  that  the  Subordinated   Security  so
authenticated has been duly  authenticated and delivered  hereunder and that the
Holder is entitled to the benefits of this Subordinated Indenture.

SECTION  2.7  Denomination  and Date of  Subordinated  Securities;  Payments  of
              Interest.

     The Subordinated  Securities of each series shall be issuable as Registered
Subordinated Securities or Unregistered Subordinated Securities in denominations
established  as  contemplated  by Section 2.3 or, with respect to the Registered
Subordinated  Securities of any series, if not so established,  in denominations
of $1,000 and any integral  multiple  thereof.  If denominations of Unregistered
Subordinated Securities of any series are not so established,  such Subordinated
Securities  shall be  issuable  in  denominations  of  $1,000  and  $5,000.  The
Subordinated Securities of each series shall be numbered,  lettered or otherwise
distinguished  in such manner or in accordance with such plan as the officers of
the Company  executing the same may determine  with the approval of the Trustee,
as evidenced by the execution and authentication thereof.

     Each  Registered  Subordinated  Security  shall  be  dated  the date of its
authentication.  Each  Unregistered  Subordinated  Security  shall  be  dated as
provided in the Board  Resolution  referred to in Section 2.3. The  Subordinated
Securities of each series shall bear  interest,  if any, from the date, and such
interest shall be payable on the dates,  established as  contemplated by Section
2.3.

Interest on any Subordinated  Security which is payable,  and is punctually paid
or duly provided  for, on any Interest  Payment Date shall be paid to the Person
in  whose  name  that   Subordinated   Security  (or  one  or  more  Predecessor
Subordinated  Securities)  is registered at the close of business on the Regular
Record Date for such  interest.  At the option of the  Company,  interest on any
Subordinated  Security  may be paid by  mailing  a check to the  address  of the
Holder thereof as such address appears in the Subordinated Securities Register.

Any  interest  on  any  Subordinated  Security  which  is  payable,  but  is not
punctually  paid or duly  provided  for, on any  Interest  Payment  Date (herein
called  "Defaulted  Interest") shall forthwith cease to be payable to the Holder
on the relevant  Regular  Record Date by virtue of having been such Holder,  and
such  Defaulted  Interest  may be paid by the  Company,  at its election in each
case, as provided in clause (1) or (2) below:

     (1) The Company may elect to make payment of any Defaulted  Interest to the
Persons  in  whose  names  the  Subordinated  Securities  (or  their  respective
Predecessor


<PAGE>



Subordinated  Securities)  are  registered at the close of business on a Special
Record Date for the payment of such Defaulted Interest,  which shall be fixed in
the  following  manner.  The Company  shall notify the Trustee in writing of the
amount of Defaulted  Interest proposed to be paid on each Subordinated  Security
and the date of the  proposed  payment,  and at the same time the Company  shall
deposit  with the  Trustee  an amount  of money  equal to the  aggregate  amount
proposed  to be paid in  respect  of  such  Defaulted  Interest  or  shall  make
arrangements  satisfactory  to the Trustee for such deposit prior to the date of
the  proposed  payment,  such money when  deposited  to be held in trust for the
benefit of the  Persons  entitled to such  Defaulted  Interest as in this clause
provided.  Thereupon the Trustee shall fix a Special Record Date for the payment
of such  Defaulted  Interest  which  shall be not more than 15 days and not less
than 10 days prior to the date of the proposed payment and not less than 10 days
after the  receipt by the  Trustee of the notice of the  proposed  payment.  The
Trustee shall  promptly  notify the Company of such Special  Record Date and, in
the name and at the expense of the  Company,  shall cause notice of the proposed
payment of such  Defaulted  Interest and the Special  Record Date therefor to be
mailed, first-class postage prepaid, to each Holder at his address as it appears
in the  Subordinated  Security  Register,  not less  than 10 days  prior to such
Special Record Date.  Notice of the proposed payment of such Defaulted  Interest
and the Special  Record Date  therefor  having  been so mailed,  such  Defaulted
Interest shall be paid to the Persons in whose names the Subordinated Securities
(or their respective Predecessor  Subordinated Securities) are registered at the
close of  business  on such  Special  Record Date and shall no longer be payable
pursuant to the following clause (2).

     (2) The Company  may make  payment of any  Defaulted  Interest in any other
lawful manner not inconsistent with the requirements of any securities  exchange
on which the Subordinated  Securities may be listed, and upon such notice as may
be required  by such  exchange,  if,  after  notice  given by the Company to the
Trustee of the proposed payment pursuant to this clause,  such manner of payment
shall be deemed practicable by the Trustee.

Subject to the foregoing provisions of this Section,  each Subordinated Security
delivered under this Subordinated  Indenture upon registration of transfer of or
in exchange for or in lieu of any other  Subordinated  Security  shall carry the
rights to interest accrued and unpaid, and to accrue, which were carried by such
other Subordinated Security.

In the case of any  Subordinated  Security which is converted  during the period
after any Regular  Record Date and on or prior to the next  succeeding  Interest
Payment Date (other than any  Subordinated  Security  whose Maturity is prior to
such Interest Payment Date),  interest whose Stated Maturity is on such Interest
Payment Date shall be payable on such Interest Payment Date notwithstanding such
conversion,  and such interest  (whether or not punctually paid or duly provided
for) shall be paid to the Person in whose name that  Subordinated  Security  (or
one or more Predecessor  Subordinated  Securities) is registered at the close of
business on such  Regular  Record Date;  provided,  however,  that  Subordinated
Securities  so  registered  for   conversion   shall  (except  in  the  case  of
Subordinated   Securities  or  portions  thereof  which  have  been  called  for
redemption on a Redemption Date within such period) be accompanied by payment in
New York  Clearing  House Funds or other funds  acceptable  to the Company of an
amount  equal to the  interest  payable  on such  Interest  Payment  Date on the
principal amount being surrendered for conversion. Except as otherwise expressly
provided in the immediately preceding sentence, in


<PAGE>



the case of any Subordinated Security which is converted,  interest whose Stated
Maturity is after the date of conversion of such Subordinated Security shall not
be payable.

SECTION 2.8 Registration, Transfer and Exchange.

     (a) The Company will keep at each office or agency to be maintained for the
purpose as provided in Section 3.2 for each series of Subordinated  Securities a
register or registers  (the register  maintained in such office and in any other
office or agency of the Company designated  pursuant to Section 3.2 being herein
sometimes collectively referred to as the "Security Register") in which, subject
to such reasonable regulations as the Company may prescribe, it will provide for
the  registration of Registered  Subordinated  Securities of such series and the
registration of transfer of Registered  Subordinated  Securities of such series.
Such Security  Register  shall be in written form in the English  language or in
any other form  capable of being  converted  into such form within a  reasonable
time. At all reasonable times such Security  Register or registers shall be open
for inspection by the Trustee.

     Upon due  presentation  for  registration  of  transfer  of any  Registered
Subordinated  Security  of any  series  at  any  such  office  or  agency  to be
maintained for the purpose as provided in Section 3.2, the Company shall execute
and the Trustee shall  authenticate and deliver in the name of the transferee or
transferees a new Registered  Subordinated  Security or Registered  Subordinated
Securities of the same series,  maturity date,  interest rate and original issue
date in authorized denominations for a like aggregate principal amount.

     Unregistered  Subordinated  Securities  (except  for any  temporary  global
Unregistered  Subordinated  Securities) and Coupons (except for Coupons attached
to  any  temporary  global  Unregistered   Subordinated   Securities)  shall  be
transferable by delivery.

     At the option of the Holder thereof,  Registered Subordinated Securities of
any series (other than a Registered Global Subordinated Security,  except as set
forth  below)  may  be  exchanged  for a  Registered  Subordinated  Security  or
Registered   Subordinated   Securities   of  such   series   having   authorized
denominations and an equal aggregate  principal  amount,  upon surrender of such
Registered  Subordinated Securities to be exchanged at the agency of the Company
that shall be  maintained  for such purpose in  accordance  with Section 3.2 and
upon  payment,  if the  Company  shall so require,  of the  charges  hereinafter
provided.  If the  Subordinated  Securities  of any  series  are  issued in both
registered and unregistered form, at the option of the Holder thereof, except as
otherwise   specified  pursuant  to  Section  2.3,   Unregistered   Subordinated
Securities of any series may be exchanged for Registered Subordinated Securities
of such series having authorized  denominations and an equal aggregate principal
amount,  upon  surrender  of such  Unregistered  Subordinated  Securities  to be
exchanged at the agency of the Company that shall be maintained for such purpose
in accordance with Section 3.2, with, in the case of  Unregistered  Subordinated
Securities  that have Coupons  attached,  all unmatured  Coupons and all matured
Coupons in default thereto appertaining,  and upon payment, if the Company shall
so require,  of the charges  hereinafter  provided.  At the option of the Holder
thereof, if Unregistered  Subordinated  Securities of any series, maturity date,
interest  rate and  original  issue date are issued in more than one  authorized
denomination,  except as  otherwise  specified  pursuant  to Section  2.3,  such
Unregistered Subordinated Securities may be exchanged for Unregistered


<PAGE>



Subordinated  Securities of such series having  authorized  denominations and an
equal  aggregate   principal   amount,   upon  surrender  of  such  Unregistered
Subordinated  Securities to be exchanged at the agency of the Company that shall
be maintained  for such purpose in  accordance  with Section 3.2 or as specified
pursuant  to  Section  2.3,  with,  in the  case  of  Unregistered  Subordinated
Securities  that have Coupons  attached,  all unmatured  Coupons and all matured
Coupons in default thereto appertaining,  and upon payment, if the Company shall
so  require,  of  the  charges  hereinafter  provided.  Registered  Subordinated
Securities  of any series may not be  exchanged  for  Unregistered  Subordinated
Securities of such series unless (1) otherwise specified pursuant to Section 2.3
and (2) the Company has  delivered to the Trustee an Opinion of Counsel that (x)
the Company  has  received  from the IRS a ruling or (y) since the date  hereof,
there has been a change in the applicable Federal income tax law, in either case
to the effect that the  inclusion of terms  permitting  Registered  Subordinated
Securities to be exchanged for Unregistered Subordinated Securities would result
in no  Federal  income  tax effect  adverse  to the  Company  or to any  Holder.
Whenever any  Subordinated  Securities  are so  surrendered  for  exchange,  the
Company shall  execute,  and the Trustee  shall  authenticate  and deliver,  the
Subordinated  Securities  which the Holder  making the  exchange  is entitled to
receive.  All Subordinated  Securities and Coupons, if any, surrendered upon any
exchange  or  transfer  provided  for in this  Subordinated  Indenture  shall be
promptly canceled and disposed of by the Trustee,  and the Trustee shall deliver
a certificate of disposition thereof to the Company.

     All  Registered  Subordinated  Securities  presented  for  registration  of
transfer,  exchange,  redemption or payment shall (if so required by the Company
or the Trustee) be duly endorsed,  or be accompanied by a written  instrument or
instruments of transfer in form satisfactory to the Company and the Trustee duly
executed, by the Holder or his attorney duly authorized in writing.

     The  Company may require  payment of a sum  sufficient  to cover any tax or
other governmental charge that may be imposed in connection with any exchange or
registration of transfer of Subordinated Securities.  No service charge shall be
made for any such transaction.

     The Company shall not be required to exchange or register a transfer of (a)
any Subordinated  Securities of any series for a period of 15 days preceding the
first mailing of notice of redemption of Subordinated  Securities of such series
to be  redeemed or (b) any  Subordinated  Securities  selected,  called or being
called  for  redemption,  in  whole  or in  part,  except,  in the  case  of any
Subordinated  Security to be redeemed in part, the portion  thereof not so to be
redeemed.

     Notwithstanding  any other  provision of this Section 2.8, unless and until
it is exchanged in whole or in part for  Subordinated  Securities  in definitive
registered form, a Registered Global Subordinated Security representing all or a
portion of the Subordinated Securities of a series may not be transferred except
as a whole by the Depositary for such series to a nominee of such  Depositary or
by a nominee of such  Depositary to such  Depositary or another  nominee of such
Depositary or by such  Depositary or any such nominee to a successor  Depositary
for such series or a nominee of such successor Depositary.

     If at any time the Depositary for any Registered Subordinated Securities of
a series  represented by one or more Registered Global  Subordinated  Securities
notifies the Company that


<PAGE>



it is  unwilling  or  unable  to  continue  as  Depositary  for such  Registered
Subordinated  Securities or if at any time the  Depositary  for such  Registered
Subordinated  Securities  shall no longer be eligible  under  Section  2.4,  the
Company shall  appoint a successor  Depositary  eligible  under Section 2.4 with
respect to such Registered  Subordinated  Securities.  If a successor Depositary
eligible under Section 2.4 for such  Registered  Subordinated  Securities is not
appointed by the Company  within 90 days after the Company  receives such notice
or becomes  aware of such  ineligibility,  the  Company's  election  pursuant to
Section 2.3 that such Registered  Subordinated  Securities be represented by one
or more Registered Global  Subordinated  Securities shall no longer be effective
and the Company  will  execute,  and the  Trustee,  upon receipt of an Officer's
Certificate  for the  authentication  and  delivery of  definitive  Subordinated
Securities  of  such  series,   will  authenticate  and  deliver,   Subordinated
Securities of such series in definitive  registered form without coupons, in any
authorized  denominations,  in  an  aggregate  principal  amount  equal  to  the
principal amount of the Registered Global Subordinated  Security or Subordinated
Securities  representing such Registered Subordinated Securities in exchange for
such Registered Global Subordinated Security or Subordinated Securities.

     The Company may at any time and in its sole  discretion  determine that the
Registered  Subordinated  Securities  of any series issued in the form of one or
more Registered Global Subordinated Securities shall no longer be represented by
a Registered Global Subordinated  Security or Subordinated  Securities.  In such
event the Company will execute,  and the Trustee,  upon receipt of any Officer's
Certificate  for the  authentication  and  delivery of  definitive  Subordinated
Securities  of  such  series,   will  authenticate  and  deliver,   Subordinated
Securities of such series in definitive  registered form without coupons, in any
authorized  denominations,  in  an  aggregate  principal  amount  equal  to  the
principal amount of the Registered Global Subordinated  Security or Subordinated
Securities representing such Registered Subordinated Securities, in exchange for
such Registered Global Subordinated Security or Subordinated Securities.

     If  specified  by the  Company  pursuant  to  Section  2.3 with  respect to
Subordinated   Securities   represented  by  a  Registered  Global  Subordinated
Security,  the Depositary for such Registered Global  Subordinated  Security may
surrender such Registered Global  Subordinated  Security in exchange in whole or
in part for Subordinated  Securities of the same series in definitive registered
form on such  terms  as are  acceptable  to the  Company  and  such  Depositary.
Thereupon,  the Company shall execute,  and the Trustee shall  authenticate  and
deliver, without service charge,

     (i)  to  the  Person   specified  by  such   Depositary  a  new  Registered
Subordinated  Security or  Subordinated  Securities  of the same series,  of any
authorized  denominations as requested by such Person, in an aggregate principal
amount equal to and in exchange  for such  Person's  beneficial  interest in the
Registered Global Subordinated Security; and

     (ii) to such Depositary a new Registered Global Subordinated  Security in a
denomination  equal to the difference,  if any,  between the principal amount of
the  surrendered  Registered  Global  Subordinated  Security  and the  aggregate
principal  amount  of  Registered  Subordinated  Securities   authenticated  and
delivered pursuant to clause (i) above.


<PAGE>



     Upon  the  exchange  of  a  Registered  Global  Subordinated  Security  for
Subordinated  Securities  in  definitive  registered  form without  coupons,  in
authorized denominations,  such Registered Global Subordinated Security shall be
canceled by the Trustee or an agent of the Company or the Trustee.  Subordinated
Securities in definitive  registered form without coupons issued in exchange for
a Registered Global Subordinated  Security pursuant to this Section 2.8 shall be
registered in such names and in such authorized  denominations as the Depositary
for such Registered Global Subordinated Security,  pursuant to instructions from
its direct or indirect participants or otherwise,  shall instruct the Trustee or
an agent of the Company or the Trustee.  The Trustee or such agent shall deliver
such  Subordinated  Securities  to or as  directed by the Persons in whose names
such Subordinated Securities are so registered.

     All  Subordinated  Securities  issued  upon any  transfer  or  exchange  of
Subordinated  Securities shall be valid  obligations of the Company,  evidencing
the same  debt,  and  entitled  to the same  benefits  under  this  Subordinated
Indenture,  as the  Subordinated  Securities  surrendered  upon such transfer or
exchange.

     Notwithstanding   anything  herein  or  in  the  terms  of  any  series  of
Subordinated Securities to the contrary, none of the Company, the Trustee or any
agent of the Company or the Trustee (any of which, other than the Company, shall
rely on an Officer's Certificate and an Opinion of Counsel) shall be required to
exchange any Unregistered  Subordinated  Security for a Registered  Subordinated
Security  if such  exchange  would  result in Federal  income  tax  consequences
adverse to the Company  (such as, for example,  the  inability of the Company to
deduct  from its income,  as  computed  for  Federal  income tax  purposes,  the
interest  payable  on  the  Unregistered  Subordinated  Securities)  under  then
applicable United States Federal income tax laws.

     (b)(i)  Subordinated  Securities  that  are  distributed  to  QIBs  will be
represented  by a global  Subordinated  Security (the "144A Global  Subordinated
Security").  Subordinated  Securities that are  distributed to Non-U.S.  Persons
will be represented by a global Subordinated  Security (the "Regulation S Global
Subordinated  Security").  Each of the 144A Global Subordinated Security and the
Regulation  S Global  Subordinated  Security  shall be  referred  to herein as a
"Global  Subordinated  Security." If Global Subordinated  Securities are issued,
transfers of interests in the  Subordinated  Securities  between the 144A Global
Subordinated  Security and the Regulation S Global Subordinated Security will be
made  in  accordance  with  the  standing  instructions  and  procedures  of the
Depositary  and  its   participants  and  the  Trustee  shall  make  appropriate
endorsements to reflect  increases or decreases in the principal amounts of such
Global Subordinated Securities to reflect any such transfers.

     Except as provided below,  beneficial owners of a Subordinated  Security in
global  form shall not be  entitled  to have  certificates  registered  in their
names,  will  not  receive  or be  entitled  to  receive  physical  delivery  of
certificates  in  definitive  form and will not be  considered  Holders  of such
Subordinated Securities in global form.

     (ii) So long as the  Subordinated  Securities  are eligible for  book-entry
settlement,  and to the extent that Subordinated  Securities are held by QIBs or
Non-U.S.  Persons,  as the case may be, in a Global  Subordinated  Security,  or
unless otherwise required by law, upon any


<PAGE>



transfer of a definitive  Subordinated Security to a QIB in accordance with Rule
144A or to a Non-U.S.  Person in accordance with Regulation S, unless  otherwise
requested by the  transferor,  and upon receipt of the  definitive  Subordinated
Security  or  Subordinated  Securities  being so  transferred,  together  with a
certification  from the transferor that the transfer is being made in compliance
with  Rule  144A  or  Regulation  S,  as the  case  may be  (or  other  evidence
satisfactory to the Trustee),  the Trustee shall make an endorsement on any 144A
Global Subordinated  Security or any Regulation S Global Subordinated  Security,
as the case may be, to reflect an increase in the aggregate  principal amount of
the Subordinated  Securities  represented by such Global Subordinated  Security,
and  the  Trustee  shall  cancel  such  definitive   Subordinated   Security  or
Subordinated  Securities  in  accordance  with  the  standing  instructions  and
procedures of the  Depositary,  the aggregate  principal  amount of Subordinated
Securities  represented  by such Global  Subordinated  Security to be  increased
accordingly;  provided  that no  definitive  Subordinated  Security,  or portion
thereof, in respect of which the Company or an Affiliate of the Company held any
beneficial interest shall be included in such Global Subordinated Security until
such definitive Subordinated Security is freely tradable in accordance with Rule
144K;  provided  further that the Trustee shall,  at the written  request of the
Company, issue Subordinated Securities in definitive form upon any transfer of a
beneficial  interest in the Global  Subordinated  Security to the Company or any
Affiliate of the Company.

     Any Global Subordinated  Security may be endorsed with or have incorporated
in the text thereof such  legends or recitals or changes not  inconsistent  with
the  provisions  of  this  Subordinated  Indenture  as  may be  required  by the
Depositary,  by the New York Stock  Exchange or by the National  Association  of
Securities Dealers, Inc. in order for the Subordinated Securities to be tradable
on the PORTAL Market or as may be required for the Subordinated Securities to be
tradable on any other market  developed  for trading of  securities  pursuant to
Rule  144A or  required  to comply  with any  applicable  law or any  regulation
thereunder or with the rules and  regulations  of any  securities  exchange upon
which the Subordinated Securities may be listed or traded or to conform with any
usage  with  respect  thereto,   or  to  indicate  any  special  limitations  or
restrictions to which any particular Subordinated Securities are subject.

     (iii) Each  Subordinated  Security  that bears or is  required  to bear the
legend set forth in this Section 2.8(b) (a "Restricted  Subordinated  Security")
shall be subject to the  restrictions  on  transfer  provided  in the legend set
forth in this Section  2.8(b),  unless such  restrictions  on transfer  shall be
waived by the written consent of the Company,  and the Holder of each Restricted
Subordinated  Security, by such Holder's acceptance thereof,  agrees to be bound
by such  restrictions  on  transfer.  As used in this Section  2.8(b),  the term
"transfer"  encompasses any sale,  pledge,  transfer or other disposition of any
Restricted Subordinated Security.

     Prior  to  the  Transfer  Restriction  Termination  Date,  any  certificate
evidencing a  Subordinated  Security  shall bear a legend in  substantially  the
following  form,  unless  otherwise  agreed by the Company (with written  notice
thereof to the Trustee):

THE  SUBORDINATED  SECURITY  (THE  "SECURITY")  EVIDENCED  HEREBY  HAS NOT  BEEN
REGISTERED  UNDER THE U.S.  SECURITIES ACT OF 1933, AS AMENDED (THE  "SECURITIES
ACT"), AND, ACCORDINGLY,  MAY NOT BE OFFERED OR SOLD WITHIN THE UNITED STATES OR
TO, OR FOR THE ACCOUNT


<PAGE>



OR BENEFIT OF, U.S.  PERSONS EXCEPT AS SET FORTH IN THE FOLLOWING  SENTENCE.  BY
ITS  ACQUISITION  HEREOF,  THE HOLDER (1) REPRESENTS THAT (A) IT IS A "QUALIFIED
INSTITUTIONAL  BUYER" (AS DEFINED IN RULE 144A UNDER THE SECURITIES  ACT) OR (B)
IT IS AN INSTITUTIONAL "ACCREDITED INVESTOR" (AS DEFINED IN RULE 501(A)(1), (2),
(3) OR (7) UNDER THE SECURITIES ACT)  ("INSTITUTIONAL  ACCREDITED  INVESTOR") OR
(C) IT IS NOT A U.S. PERSON AND IS ACQUIRING THE SECURITY EVIDENCED HEREBY IN AN
OFFSHORE TRANSACTION, (2) AGREES THAT IT WILL NOT PRIOR TO THE EXPIRATION OF THE
HOLDING PERIOD  APPLICABLE TO SALES OF THE SECURITY  EVIDENCED HEREBY UNDER RULE
144(K)  UNDER  THE  SECURITIES  ACT  (OR ANY  SUCCESSOR  PROVISION),  RESELL  OR
OTHERWISE  TRANSFER  THE SECURITY  EVIDENCED  HEREBY  EXCEPT (A) TO  HEALTHSOUTH
CORPORATION  (THE  "COMPANY")  OR ANY  SUBSIDIARY  THEREOF,  (B)  PURSUANT TO AN
EFFECTIVE  REGISTRATION  STATEMENT  UNDER THE SECURITIES ACT, (C) TO A QUALIFIED
INSTITUTIONAL  BUYER IN COMPLIANCE  WITH RULE 144A UNDER THE SECURITIES ACT, (D)
TO AN INSTITUTIONAL ACCREDITED INVESTOR THAT, PRIOR TO SUCH TRANSFER,  FURNISHES
TO  THE  TRUSTEE  FOR  THE  SECURITIES  A  SIGNED  LETTER   CONTAINING   CERTAIN
REPRESENTATIONS  AND AGREEMENTS  RELATING TO THE RESTRICTIONS ON TRANSFER OF THE
SECURITY  EVIDENCED  HEREBY (THE FORM OF WHICH LETTER CAN BE OBTAINED  FROM SUCH
TRUSTEE),  (E) OUTSIDE THE UNITED STATES IN  COMPLIANCE  WITH RULE 904 UNDER THE
SECURITIES  ACT OR (F) PURSUANT TO THE EXEMPTION FROM  REGISTRATION  PROVIDED BY
RULE 144 UNDER THE  SECURITIES  ACT (IF  AVAILABLE)  AND (3) AGREES THAT IT WILL
DELIVER TO EACH PERSON TO WHOM THE SECURITY  EVIDENCED  HEREBY IS  TRANSFERRED A
NOTICE  SUBSTANTIALLY  TO THE  EFFECT OF THIS  LEGEND.  IN  CONNECTION  WITH ANY
TRANSFER OF THE SECURITY EVIDENCED HEREBY PRIOR TO THE EXPIRATION OF THE HOLDING
PERIOD  APPLICABLE TO SALES OF THE SECURITY  EVIDENCED  HEREBY UNDER RULE 144(K)
UNDER THE SECURITIES ACT (OR ANY SUCCESSOR PROVISION), THE HOLDER MUST CHECK THE
APPROPRIATE  BOX SET FORTH ON THE REVERSE HEREOF  RELATING TO THE MANNER OF SUCH
TRANSFER AND SUBMIT THIS  CERTIFICATE TO THE TRUSTEE FOR THE SECURITIES.  IF THE
PROPOSED  TRANSFEREE IS AN INSTITUTIONAL  ACCREDITED INVESTOR OR A PURCHASER WHO
IS NOT A U.S. PERSON,  THE HOLDER MUST,  PRIOR TO SUCH TRANSFER,  FURNISH TO THE
TRUSTEE  FOR  THE  SECURITIES  SUCH  CERTIFICATIONS,  LEGAL  OPINIONS  OR  OTHER
INFORMATION AS THE COMPANY OR THE TRUSTEE MAY REASONABLY REQUIRE TO CONFIRM THAT
SUCH TRANSFER IS BEING MADE  PURSUANT TO AN EXEMPTION  FROM, OR IN A TRANSACTION
NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT. THIS LEGEND
WILL BE REMOVED AFTER THE EXPIRATION OF THE HOLDING  PERIOD  APPLICABLE TO SALES
OF THE SECURITY  EVIDENCED HEREBY UNDER RULE 144(K) UNDER THE SECURITIES ACT. AS
USED HEREIN, THE TERMS "OFFSHORE TRANSACTION," "UNITED STATES" AND "U.S. PERSON"
HAVE THE MEANINGS GIVEN TO THEM BY REGULATION S UNDER THE SECURITIES ACT.


<PAGE>



     Following  the Transfer  Restriction  Termination  Date,  any  Subordinated
Security or security  issued in exchange or  substitution  therefor  (other than
Subordinated  Securities  acquired by the Company or any Affiliate thereof since
the  issue  date of the  Subordinated  Securities)  may upon  surrender  of such
Subordinated  Security for exchange to the Security Registrar in accordance with
the provisions of this Section 2.8, be exchanged for a new Subordinated Security
or Subordinated Securities,  of like tenor and aggregate principal amount, which
shall not bear the restrictive legend required by this Section 2.8(b).

SECTION  2.9  Mutilated,   Defaced,  Destroyed,  Lost  and  Stolen  Subordinated
              Securities.

     In case any  temporary or  definitive  Subordinated  Security or any Coupon
appertaining  to  any  Subordinated   Security  shall  be  mutilated,   defaced,
destroyed,  lost or stolen,  the Company in its discretion may execute and, upon
the  written  request  of  any  officer  of  the  Company,   the  Trustee  shall
authenticate  and  deliver,  a new  Subordinated  Security  of the same  series,
maturity date,  interest rate and original issue date, bearing a number or other
distinguishing  symbol  not  contemporaneously   outstanding,  in  exchange  and
substitution for the mutilated or defaced Subordinated  Security,  or in lieu of
and in substitution for the Subordinated  Security so destroyed,  lost or stolen
with  Coupons  corresponding  to the Coupons  appertaining  to the  Subordinated
Securities so mutilated,  defaced,  destroyed, lost or stolen, or in exchange or
substitution  for the  Subordinated  Security to which such mutilated,  defaced,
destroyed, lost or stolen Coupon appertained,  with Coupons appertaining thereto
corresponding to the Coupons so mutilated,  defaced,  destroyed, lost or stolen.
In every case the  applicant  for a substitute  Subordinated  Security or Coupon
shall  furnish to the Company and to the Trustee and any agent of the Company or
the Trustee  such  security or indemnity as may be required by them to indemnify
and defend and to save each of them harmless and, in every case of  destruction,
loss or theft, evidence to their satisfaction of the destruction,  loss or theft
of such Subordinated Security or Coupon and of the ownership thereof, and in the
case of mutilation or defacement shall surrender the  Subordinated  Security and
related Coupons to the Trustee or such agent.

     Upon the issuance of any substitute  Subordinated  Security or Coupon,  the
Company may require  the payment of a sum  sufficient  to cover any tax or other
governmental  charge  that may be  imposed  in  relation  thereto  and any other
expenses (including the fees and expenses of the Trustee) or its agent connected
therewith.  In case any Subordinated  Security or Coupon which has matured or is
about to mature or has been called for redemption in full shall become mutilated
or defaced or be destroyed, lost or stolen, the Company may instead of issuing a
substitute  Subordinated  Security,  pay or authorize the payment of the same or
the relevant Coupon (without surrender thereof except in the case of a mutilated
or defaced  Subordinated  Security or Coupon), if the applicant for such payment
shall  furnish to the Company and to the Trustee and any agent of the Company or
the Trustee  such  security or indemnity as any of them may require to save each
of them  harmless,  and,  in  every  case of  destruction,  loss or  theft,  the
applicant shall also furnish to the Company and the Trustee and any agent of the
Company or the Trustee evidence to their  satisfaction of the destruction,  loss
or theft of such Subordinated Security or Coupons and of the ownership thereof.

     Every  substitute  Subordinated  Security  or Coupon of any  series  issued
pursuant to the  provisions  of this Section by virtue of the fact that any such
Subordinated Security or Coupon


<PAGE>



is  destroyed,  lost  or  stolen  shall  constitute  an  additional  contractual
obligation  of the  Company,  whether  or not  the  destroyed,  lost  or  stolen
Subordinated  Security or Coupon shall be at any time  enforceable by anyone and
shall be  entitled  to all the  benefits  of (but  shall be  subject  to all the
limitations  of rights set forth in) this  Subordinated  Indenture  equally  and
proportionately  with any and all other  Subordinated  Securities  or Coupons of
such  series  duly  authenticated  and  delivered  hereunder.  All  Subordinated
Securities and Coupons shall be held and owned upon the express  condition that,
to the extent  permitted by law, the foregoing  provisions  are  exclusive  with
respect to the replacement or payment of mutilated,  defaced or destroyed,  lost
or stolen  Subordinated  Securities  and Coupons and shall  preclude any and all
other  rights  or  remedies  notwithstanding  any  law or  statute  existing  or
hereafter  enacted to the contrary with respect to the replacement or payment of
negotiable instruments or other securities without their surrender.

SECTION 2.10  Cancellation  of  Subordinated  Securities;  Destruction  Thereof.

     All   Subordinated   Securities  and  Coupons   surrendered   for  payment,
redemption,  registration  of transfer or  exchange,  or for credit  against any
payment in respect of a sinking or analogous fund, if any, if surrendered to the
Company or any agent of the Company or the Trustee or any agent of the  Trustee,
shall  be  delivered  to the  Trustee  or its  agent  for  cancellation  or,  if
surrendered  to the  Trustee,  shall  be  canceled  by it;  and no  Subordinated
Securities  or  Coupons  shall be issued  in lieu  thereof  except as  expressly
permitted by any of the provisions of this Subordinated  Indenture.  The Trustee
or its agent shall dispose of canceled Subordinated  Securities and Coupons held
by it and deliver a certificate of disposition to the Company. If the Company or
its agent shall  acquire any of the  Subordinated  Securities  or Coupons,  such
acquisition   shall  not  operate  as  a  redemption  or   satisfaction  of  the
indebtedness  represented by such Subordinated  Securities or Coupons unless and
until the same are delivered to the Trustee or its agent for cancellation.

SECTION 2.11 Temporary Subordinated Securities.

     Pending the  preparation  of  definitive  Subordinated  Securities  for any
series,  the Company may execute and the Trustee shall  authenticate and deliver
temporary  Subordinated  Securities  for  such  series  (printed,  lithographed,
typewritten or otherwise  reproduced,  in each case in form  satisfactory to the
Trustee).  Temporary Subordinated  Securities of any series shall be issuable as
Registered   Subordinated   Securities  without  coupons,   or  as  Unregistered
Subordinated  Securities  with  or  without  coupons  attached  thereto,  of any
authorized  denomination,  and  substantially  in the  form  of  the  definitive
Subordinated  Securities of such series but with such omissions,  insertions and
variations as may be appropriate for temporary Subordinated  Securities,  all as
may be  determined  by the  Company  with  the  concurrence  of the  Trustee  as
evidenced by the execution and authentication  thereof.  Temporary  Subordinated
Securities may contain such  references to any  provisions of this  Subordinated
Indenture as may be appropriate.  Every temporary Subordinated Security shall be
executed  by the  Company  and be  authenticated  by the  Trustee  upon the same
conditions and in substantially  the same manner,  and with like effect,  as the
definitive Subordinated Securities. Without unreasonable delay the Company shall
execute and shall furnish definitive  Subordinated Securities of such series and
thereupon  temporary  Registered  Subordinated  Securities of such series may be
surrendered in exchange  therefor  without charge at each office or agency to be
maintained by the Company for


<PAGE>



that  purpose  pursuant  to  Section  3.2  and,  in  the  case  of  Unregistered
Subordinated  Securities,  at any  agency  maintained  by the  Company  for such
purpose as specified pursuant to Section 2.4, and the Trustee shall authenticate
and deliver in  exchange  for such  temporary  Subordinated  Securities  of such
series an equal aggregate principal amount of definitive Subordinated Securities
of  the  same  series  having  authorized  denominations  and,  in the  case  of
Unregistered  Subordinated  Securities,  having attached thereto any appropriate
Coupons. Until so exchanged, the temporary Subordinated Securities of any series
shall be entitled to the same  benefits  under this  Subordinated  Indenture  as
definitive  Subordinated Securities of such series, unless otherwise established
pursuant  to Section  2.3.  The  provisions  of this  Section are subject to any
restrictions or limitations on the issue and delivery of temporary  Unregistered
Subordinated  Securities  of any  series  that may be  established  pursuant  to
Section 2.4 (including any provision that Unregistered  Subordinated  Securities
of such series  initially be issued in the form of a single global  Unregistered
Subordinated  Security to be delivered to a depositary or agency located outside
the United  States and the  procedures  pursuant to which  definitive  or global
Unregistered  Subordinated Securities of such series would be issued in exchange
for such temporary global Unregistered Subordinated Security).

                                    ARTICLE 3

                            COVENANTS OF THE COMPANY

SECTION 3.1 Payment of Principal and Interest.

     The  Company  covenants  and  agrees  for the  benefit  of each  series  of
Subordinated Securities that it will duly and punctually pay or cause to be paid
the principal of, and interest on, if any, each of the  Subordinated  Securities
of such series  (together with any additional  amounts  payable  pursuant to the
terms of such Subordinated Securities) at the place or places, at the respective
time or times and in the manner provided in such Subordinated  Securities and in
the Coupons, if any,  appertaining  thereto and in this Subordinated  Indenture.
The interest on Subordinated Securities with Coupons attached (together with any
additional   amounts  payable  pursuant  to  the  terms  of  such   Subordinated
Securities) shall be payable only upon presentation and surrender of the several
Coupons  for  such  interest  installments  as are  evidenced  thereby  as  they
severally mature. If any temporary  Unregistered  Subordinated Security provides
that  interest  thereon  may be paid  while  such  Subordinated  Security  is in
temporary  form,  the interest on any such temporary  Unregistered  Subordinated
Security  (together with any additional amounts payable pursuant to the terms of
such  Subordinated  Security) shall be paid, as to the  installments of interest
evidenced  by Coupons  attached  thereto,  if any,  only upon  presentation  and
surrender thereof,  and, as to the other installments of interest,  if any, only
upon  presentation of such  Subordinated  Securities for notation thereon of the
payment of such interest,  in each case subject to any restrictions  that may be
established  pursuant  to Section  2.4.  The  interest,  if any,  on  Registered
Subordinated  Securities  (together with any additional amounts payable pursuant
to the terms of such  Subordinated  Securities) shall be payable only to or upon
the written order of the Holders thereof and, at the option of the Company,  may
be paid by wire transfer or by mailing  checks for such  interest  payable to or
upon the written order of such Holders at their last addresses as they appear on
the Security Register of the Company.


<PAGE>




SECTION 3.2 Offices for Payments, Etc.

     So  long as any  Registered  Subordinated  Securities  are  authorized  for
issuance pursuant to this Subordinated  Indenture or are outstanding  hereunder,
the Company will maintain in the Borough of Manhattan,  The City of New York, an
office or agency where the Registered Subordinated Securities of each series may
be presented for payment,  where the Subordinated  Securities of each series may
be presented for exchange as is provided in this Subordinated  Indenture,  where
the  Subordinated  Securities of each series may be  surrendered  for conversion
and,  if   applicable,   pursuant  to  Section  2.4  and  where  the  Registered
Subordinated  Securities  of each series may be presented  for  registration  of
transfer as in this Subordinated Indenture provided.

     The  Company  will  maintain  one or more  offices or agencies in a city or
cities  located  outside the United States  (including any city in which such an
agency is required  to be  maintained  under the rules of any stock  exchange on
which  the  Subordinated  Securities  of  such  series  are  listed)  where  the
Unregistered  Subordinated  Securities,  if any, of each series and Coupons,  if
any,  appertaining  thereto  may be  presented  for  payment.  No payment on any
Unregistered  Subordinated  Security or Coupon will be made upon presentation of
such  Unregistered  Subordinated  Security or Coupon at an agency of the Company
within the United  States nor will any payment be made by transfer to an account
in, or by mail to an address in, the United States unless pursuant to applicable
United  States  laws and  regulations  then in effect  such  payment can be made
without tax consequences adverse to the Company.  Notwithstanding the foregoing,
payments in Dollars of  Unregistered  Subordinated  Securities of any series and
Coupons  appertaining  thereto  which are  payable in Dollars  may be made at an
agency of the Company  maintained in the Borough of  Manhattan,  The City of New
York if such payment in Dollars at each agency maintained by the Company outside
the United States for payment on such  Unregistered  Subordinated  Securities is
illegal  or  effectively   precluded  by  exchange  controls  or  other  similar
restrictions.

     The Company  will  maintain in the  Borough of  Manhattan,  The City of New
York,  an office or agency  where  notices and demands to or upon the Company in
respect of the Subordinated  Securities of any series, the Coupons  appertaining
thereto or this Subordinated Indenture may be served.

     The Company will give to the Trustee written notice of the location of each
such office or agency and of any change of location thereof. In case the Company
shall fail to maintain any agency  required by this Section to be located in the
Borough of Manhattan, The City of New York, or shall fail to give such notice of
the  location or for any change in the  location  of any of the above  agencies,
presentations and demands may be made and notices may be served at the Corporate
Trust Office of the Trustee.

     The Company may from time to time designate one or more additional  offices
or  agencies  where the  Subordinated  Securities  of a series  and any  Coupons
appertaining  thereto  may be  presented  for  payment,  where the  Subordinated
Securities  of that  series may be  presented  for  exchange as provided in this
Subordinated  Indenture  and  pursuant to Section  2.4 and where the  Registered
Subordinated  Securities  of that series may be presented  for  registration  of
transfer


<PAGE>



as in this  Subordinated  Indenture  provided,  and the Company may from time to
time  rescind  any  such  designation,  as the  Company  may deem  desirable  or
expedient;  provided, that no such designation or rescission shall in any manner
relieve the Company of its obligations to maintain the agencies  provided for in
this Section. The Company shall give to the Trustee prompt written notice of any
such designation or rescission thereof.

SECTION 3.3 Appointment to Fill a Vacancy in Office of Trustee.

     The Company, whenever necessary to avoid or fill a vacancy in the office of
Trustee,  will appoint,  in the manner  provided in Section 6.10, a Trustee,  so
that  there  shall at all  times be a Trustee  with  respect  to each  series of
Subordinated Securities hereunder.

SECTION 3.4 Paying Agents.

     Whenever  the Company  shall  appoint a Paying Agent other than the Trustee
with respect to the  Subordinated  Securities of any series,  it will cause such
Paying Agent to execute and deliver to the Trustee an  instrument  in which such
agent shall agree with the Trustee, subject to the provisions of this Section,

     (a) that it will hold all sums received by it as such agent for the payment
of the  principal of or interest on the  Subordinated  Securities of such series
(whether  such sums have been paid to it by the Company or by any other  obligor
on the  Subordinated  Securities of such series) in trust for the benefit of the
Holders of the Subordinated  Securities of such series, or Coupons  appertaining
thereto, if any, or of the Trustee;

     (b) that it will give the Trustee  notice of any failure by the Company (or
by any other obligor on the Subordinated  Securities of such series) to make any
payment of the principal of or interest on the  Subordinated  Securities of such
series when the same shall be due and payable; and

     (c) that it will pay any  such  sums so held in trust by it to the  Trustee
upon the Trustee's  written  request at any time during the  continuance  of the
failure referred to in the foregoing clause (b).

     The  Company  will,  on or prior to each  due date of the  principal  of or
interest on the Subordinated  Securities of such series, deposit with the Paying
Agent a sum  sufficient  to pay such  principal or interest so becoming due, and
(unless such Paying Agent is the Trustee) the Company will  promptly  notify the
Trustee of any failure to take such action.

     If the  Company  shall act as its own  Paying  Agent  with  respect  to the
Subordinated  Securities  of any series,  it will, on or before each due date of
the principal of or interest on the Subordinated  Securities of such series, set
aside,  segregate  and hold in  trust  for the  benefit  of the  Holders  of the
Subordinated Securities of such series or the Coupons appertaining thereto a sum
sufficient  to pay such  principal or interest so becoming due. The Company will
promptly notify the Trustee of any failure to take such action.


<PAGE>



     Anything in this  Section to the contrary  notwithstanding,  but subject to
Section  10.1,  the  Company  may at any time,  for the  purpose of  obtaining a
satisfaction  and  discharge  with  respect  to one or  more  or all  series  of
Subordinated  Securities hereunder,  or for any other reason, pay or cause to be
paid to the Trustee all sums held in trust for any such series by the Company or
any Paying Agent hereunder, as required by this Section, such sums to be held by
the Trustee upon the trusts herein contained.

     Anything in this Section to the contrary notwithstanding,  the agreement to
hold sums in trust as provided in this Section is subject to the  provisions  of
Sections 10.3 and 10.4.

SECTION 3.5 Compliance Certificates.

     The Company  will  furnish to the  Trustee on or before  January 31 in each
year  (beginning  with  January 31,  1999) a brief  certificate  (which need not
comply with Section 11.5) from the principal executive,  financial or accounting
officer of the  Company  stating  that in the course of the  performance  by the
signer  of his or her  duties  as an  officer  of the  Company  he or she  would
normally have knowledge of any default or  non-compliance  by the Company in the
performance  of any  covenants  or  conditions  contained  in this  Subordinated
Indenture, stating whether or not he or she has knowledge of any such default or
non-compliance  and, if so,  describing  each such default or non- compliance of
which the signer has knowledge and the nature thereof.

SECTION 3.6 Corporate Existence.

     Subject to Article  9, the  Company  will do or cause to be done all things
necessary to preserve and keep in full force and effect its corporate  existence
and the rights (charter and  statutory),  licenses and franchises of the Company
and its  Subsidiaries;  provided,  that the  Company  shall not be  required  to
preserve  any such  right,  license or  franchise,  if, in the  judgment  of the
Company,  the preservation  thereof is no longer desirable in the conduct of the
business  of the  Company  and its  Subsidiaries  taken as a whole  and the loss
thereof is not disadvantageous in any material respect to the Securityholders.

SECTION 3.7 Maintenance of Properties.

     The Company will cause all  properties  used in or useful in the conduct of
its business or the business of any Subsidiary to be maintained and kept in good
condition,  repair, and working order and supplied with all necessary  equipment
and  will  cause  to be made  all  necessary  repairs,  renewals,  replacements,
betterments and improvements  thereof, all as in the judgment of the Company may
be necessary,  so that the business  carried on in  connection  therewith may be
properly and advantageously  conducted at all time except to the extent that the
Company may be  prevented  from so doing by  circumstances  beyond its  control;
provided,   that  nothing  in  this  Section  shall  prevent  the  Company  from
discontinuing  the  operation  or  maintenance  of any of  such  properties,  or
disposing of any of them, if such discontinuance or disposal is, in the judgment
of the Company  desirable  in the conduct of the  business of the Company or any
Subsidiary   and  not   disadvantageous   in  any   material   respect   to  the
Securityholders.


<PAGE>



SECTION 3.8 Payment of Taxes and Other Claims.

     The Company will pay or discharge or cause to be paid or discharged, before
the same shall become  delinquent:  (a) all taxes,  assessments and governmental
charges levied or imposed upon the Company or any Subsidiary or upon the income,
profits or property of the Company or any Subsidiary;  and (b) all lawful claims
for labor, materials, and supplies, which, if unpaid, might by law become a lien
upon the property of the Company or any Subsidiary;  provided,  that the Company
shall not be required to pay or discharge or cause to be paid or discharged  any
such tax, assessment, charge or claim whose amount, applicability or validity is
being contested in good faith by appropriate  proceedings;  and provided further
that the Company  shall not be required  to cause to be paid or  discharged  any
such tax,  assessment,  charge or claim if the Company shall determine that such
payment is not  advantageous  to the conduct of the  business of the Company and
its Subsidiaries taken as a whole and that the failure so to pay or discharge is
not disadvantageous in any material respect to the Securityholders.

SECTION 3.9 Luxembourg Publications.

     In the event of the  publication  of any notice  pursuant to Section  5.15,
6.11(a),  6.12,  8.2,  10.4 or 13.2,  the party making such  publication  in the
Borough of Manhattan,  The City of New York and London shall also, to the extent
that notice is required to be given to Holders of Subordinated Securities of any
series by applicable  Luxembourg law or stock exchange regulation,  as evidenced
by an Officer's  Certificate delivered to such party, make a similar publication
in Luxembourg.

SECTION 3.10 Usury Laws.

The Company  covenants and agrees:  (a) not to insist upon, or plead,  or in any
manner  whatsoever  claim the benefit or the  advantage  of the usury law of any
jurisdiction  against the Trustee or the Holders in  connection  with any claim,
action or proceeding which may be brought by the Trustee or the Holders in order
to enforce any right or remedy  under this  Subordinated  Indenture;  and (b) to
resist any and all  efforts to compel  the  Company to claim the  benefit or the
advantage  of the usury  law of any  jurisdiction  against  the  Trustee  or the
Holders in connection with any claim,  action or proceeding which may be brought
by the Trustee or the Holders in order to enforce any right or remedy under this
Indenture.

                                    ARTICLE 4

                     SECURITYHOLDER LISTS AND REPORTS BY THE
                             COMPANY AND THE TRUSTEE

SECTION 4.1 Company to Furnish Trustee  Information as to Names and Addresses of
            Securityholders.

     If and so long as the Trustee  shall not be the Security  Registrar for the
Subordinated  Securities of any series, the Company and any other obligor on the
Subordinated Securities will


<PAGE>



furnish  or cause to be  furnished  to the  Trustee  a list in such  form as the
Trustee may reasonably  require of the names and addresses of the Holders of the
Registered Subordinated Securities of such series pursuant to Section 312 of the
Trust Indenture Act:

     (a)  semi-annually not more than 15 days after each Regular Record Date for
the  payment  of  interest  on  such  Registered  Subordinated  Securities,   as
hereinabove  specified,  as of such  record  date and on dates to be  determined
pursuant  to  Section  2.4  for  non-interest  bearing  Registered  Subordinated
Securities in each year; and

     (b) at such other times as the Trustee may  reasonably  request in writing,
within thirty days after receipt by the Company of any such request as of a date
not more than 15 days prior to the time such information is furnished.

SECTION 4.2 Preservation of Information; Communications to Holders.

     (a) The  Trustee  shall  preserve,  in as  current a form as is  reasonably
practicable,  the names and  addresses  of Holders  contained in the most recent
list  furnished  to the  Trustee as  provided  in Section  4.1 and the names and
addresses  of Holders  received by the Trustee in its  capacity as  Subordinated
Security Registrar. The Trustee may destroy any list furnished to it as provided
in Section 4.1 upon receipt of a new list so furnished.

     (b) The rights of Holders to communicate with other Holders with respect to
their  rights  under  this  Subordinated  Indenture  or under  the  Subordinated
Sec