SOVEREIGN BANCORP, INC. 8 5/8 % Senior Notes due 2004 SECOND SUPPLEMENTAL INDENTURE Dated as of February 15, 2001 To Senior Indenture dated as of February 1, 1994 BNY MIDWEST TRUST COMPANY,Sovereign Bancorp Inc • February 21st, 2001 • Savings institution, federally chartered • New York
