DORAL FINANCIAL CORP
8-A12G, EX-4.1, 2000-08-30
MORTGAGE BANKERS & LOAN CORRESPONDENTS
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<PAGE>   1
                                                                     EXHIBIT 4.1


                       8.35% NONCUMULATIVE MONTHLY INCOME
                           PREFERRED STOCK, SERIES B
                           PAR VALUE $1.00 PER SHARE

<TABLE>
<CAPTION>
                                             SHARES
<S>                                          <C>

    DORAL FINANCIAL CORPORATION
INCORPORATED UNDER THE LAWS OF THE
    COMMONWEALTH OF PUERTO RICO
                                             CUSIP 25811P 30 8
                                             SEE REVERSE FOR CERTAIN DEFINITIONS
</TABLE>

THIS IS TO CERTIFY that

is the owner of

FULLY PAID AND NON-ASSESSABLE SHARES OF 8.35% NONCUMULATIVE MONTHLY INCOME
PREFERRED STOCK, SERIES B, OF THE PAR VALUE OF $1 EACH OF DORAL FINANCIAL
CORPORATION, transferable on the books of the Corporation in person or by duly
authorized attorney upon surrender of this certificate properly endorsed. This
certificate is not valid until countersigned are registered by the Transfer
Agent and Registrar.

         WITNESS the facsimile seal of the Corporation and the facsimile
signatures of its duly authorized officers.

<TABLE>
<S>                                          <C>
Dated:

[Doral Financial Seal]

/s/ Richard T. Bonnini                       /s/ Zoila Levis
    ------------------------------------         ------------------------------
    Secretary                                    President

COUNTERSIGNED AND REGISTERED:
  ChaseMellon Shareholder Services, L.L.C.

TRANSFER AGENT AND REGISTRAR

By:
   -------------------------------------
           AUTHORIZED SIGNATURE
</TABLE>
<PAGE>   2

                          DORAL FINANCIAL CORPORATION

         The Corporation will furnish without charge to each shareholder who so
requests the powers, designations, preferences and relative participating,
optional or other special rights of each class of stock or series which the
Corporation is authorized to issue and the qualifications, limitations or
restrictions of such preferences and/or rights. Any request should be made to
the Secretary of the Corporation.

         The following abbreviations, when used in the inscription on the face
of this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

<TABLE>
<S>               <C>                                            <C>
TEN COM           - as tenants in common                         UNIF GIFT MIN ACT -            , Custodian
TEN ENT           - as tenants by the entireties                                    ------------            -----------
JT TEN            - as joint tenants with right of survivorship                       (Cust)                 (Minor)
                    and not as tenants in common                                     Under Uniform Gifts to Minors
                                                                                     Acct
                                                                                          -----------------------------
                                                                                                   (State)
</TABLE>

         Additional abbreviations may also be used though not in the above list.

FOR VALUE RECEIVED,                      hereby sell, assign and transfer unto
                   ---------------------
PLEASE INSERT SOCIAL SECURITY OR OTHER
  IDENTIFYING NUMBER OF ASSIGNEE
--------------------------------------

-------------------------------------------------------------------------------

-------------------------------------------------------------------------------
   Please print or typewrite name and address, including postal zip code of
                                   assignee.

-------------------------------------------------------------------------------

                                                                        Shares
-----------------------------------------------------------------------
of the capital stock represented by the within certificate, and do hereby
irrevocably constitute and appoint
                                                                       Attorney,
----------------------------------------------------------------------
to transfer said stock on the books of the within-named Corporation with full
power of substitution in the premises.

Dated,
       ------------------------
                                             ----------------------------------


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