TRUST AGREEMENT This TRUST AGREEMENT, dated as of May 25, 1999 (this "Trust Agreement"), among Downey Financial Corp., a Delaware corporation (the "Depositor"), (ii) Wilmington Trust Company a Delaware banking corporation, as trustee (the "Delaware...Trust Agreement • November 2nd, 1999 • Downey Financial Corp • Savings institution, federally chartered • Delaware
AMENDED AND RESTATED TRUST AGREEMENTTrust Agreement • November 2nd, 1999 • Downey Financial Corp • Savings institution, federally chartered • Delaware
TOJunior Subordinated Indenture • November 2nd, 1999 • Downey Financial Corp • Savings institution, federally chartered • New York
BETWEENCapital Securities Guarantee Agreement • November 2nd, 1999 • Downey Financial Corp • Savings institution, federally chartered • New York
COMMON SECURITIES GUARANTEE AGREEMENT DOWNEY FINANCIAL CORP. Dated as of July 23, 1999 TABLE OF CONTENTS -----------------Common Securities Guarantee Agreement • November 2nd, 1999 • Downey Financial Corp • Savings institution, federally chartered • New York
