Yardville Capital Trust Watch

from S-2/A ~5 pages Agreement as to Expenses and Liabilities

from S-2/A ~20 pages Preferred Securities Guarantee Agreement

from S-2/A 1 page Preferred Securities Certificate

from S-2/A ~50 pages Amended and Restated Trust Agreement

from S-2/A ~5 pages Exhibit a (Form of Face of Debenture)

from S-2/A ~50 pages Indenture or similar

from S-2 1 page Certificate of Trust of Yardville Capital Trust a Delaware Business Trust This Certificate of Trust of Yardville Capital Trust (The "Trust"), Dated as of This 27th Day of August, 1997, Is Being Duly Executed and Filed, in Order to Form a Business Trust Pursuant to the Delaware Business Trust Act (The "Act"), Del. Code Ann. Tit. 12, SS.SS.3801-3822. 1. Name. the Name of the Business Trust Formed Hereby Is "Yardville Capital Trust." 2. Delaware Trustee. the Name and Business Address of the Trustee of the Trust Having Its Principal Place of Business in the State of Delaware Is: Wilmington Trust Company Rodney Square North 1100 North Market Street Wilmington, Delaware 19890-0001 Attention: Corporate Trust Administration This Certificate May Be Executed in One or More Counterparts Which, Taken Together, Shall Constitute One and the Same Original Document. <page> in Witness Whereof, the Trustees Named Below Do Hereby Execute This Certificate of Trust as of the Date Written Above. Wilmington Trust Company By: /S/ Debra Eberly Name: Debra Eberly Title: Admin. Acct. Manager /S/ Jay G. Destribats Name: Jay G. Destribats /S/ Patrick M. Ryan Name: Patrick M. Ryan /S/ Stephen F. Carman Name: Stephen F. Carman -2