EXHIBIT 4.4 DIRECTED EMPLOYEE BENEFIT TRUST AGREEMENT DIRECTED EMPLOYEE BENEFIT TRUST AGREEMENT This TRUST AGREEMENT ("Trust Agreement" or "Agreement"), entered into this 16th day of November, 1994, by and between DOWNEY SAVINGS AND LOAN ASSOCIATION,...Directed Employee Benefit Trust Agreement • July 1st, 1997 • Downey Financial Corp • Savings institution, federally chartered
