Exhibit 10.20 Indenture Agreement with respect to Capital Notes dated April 10, 1996. 221 This Indenture Agreement contains the same terms, conditions and provisions as set forth in the Indenture Agreement dated April 10, 1995 (Exhibit 10.21, which is...

Exhibit 10.20

Indenture Agreement with respect to Capital Notes dated April 10, 1996.
     221


This Indenture Agreement contains the same terms, conditions and provisions
as set forth in the Indenture Agreement dated April 10, 1995 (Exhibit
10.21, which is incorporated by reference from Form 10-K of Xxxxxxx Xxxxx,
Inc., for the year ended December 31, 1995), except for series number,
maturity date and date executed.
     222