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EXHIBIT 4.5
CERTIFICATE OF TRUST
OF
IFC CAPITAL TRUST II
THIS CERTIFICATE OF TRUST OF IFC CAPITAL TRUST II (the "Trust"), is being
duly executed and filed by Wilmington Trust Company, a Delaware banking
corporation, Thomas D. Washburn, Gregory F. Ehlinger and Jody A. Littrell, each
an individual, as trustees, to form a business trust under the Delaware Business
Trust Act (12 Del. C. Section 3801 et seq.) (the "Act").
1. NAME. The name of the business trust formed hereby is IFC Capital Trust
II.
2. DELAWARE TRUSTEE. The name and business address of the trustee of the
Trust in the State of Delaware is Wilmington Trust Company, Rodney Square
North, 1100 North Market Street, Wilmington, Delaware 19890-0001,
Attention: Corporate Trust Administration.
3. EFFECTIVE DATE. This Certificate of Trust shall be effective on August 24,
2000.
IN WITNESS WHEREOF, the undersigned have executed this Certificate of Trust
in accordance with Section 3811(a)(1) of the Act.
WILMINGTON TRUST COMPANY, as
trustee
By: /s/ Donald G. Mackelcan
--------------------------------
Name: Donald G. Mackelcan
Title: Vice President
/s/ Thomas D. Washburn , as Trustee
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Name: Thomas D. Washburn
/s/ Gregory F. Ehlinger, as Trustee
-----------------------
Name: Gregory F. Ehlinger
/s/ Jody A. Littrell , as Trustee
-----------------------
Name: Jody A. Littrell
