EXHIBIT 4.13


                              CERTIFICATE OF TRUST
                                       OF
                       AMERICAN FINANCIAL CAPITAL TRUST IV


         This Certificate of Trust is being executed as of June 20, 2003 for the
purpose of forming a statutory trust pursuant to the Delaware Statutory Trust
Act, 12 Del. C.ss. 3801 et seq. (the "Act").

         The undersigned hereby certifies as follows:

         1) Name. The name of the statutory trust is "American Financial Capital
Trust IV" (the "Trust").

         2) Delaware Trustee. The name and business address of the Delaware
resident trustee of the Trust meeting the requirements of Section 3807 of the
Act are as follows:

            The Bank of New York (Delaware) 502
            White Clay Center
            Route 273
            Newark, Delaware  19711

         3) Effective. This Certificate of Trust, which may be executed in
counterparts, shall be effective immediately upon filing in the Office of the
Secretary of State of the State of Delaware.

         IN WITNESS WHEREOF, the undersigned, being all of the trustees of the
Trust, have duly executed this Certificate of Trust as of the day and year first
above written.

                                THE BANK OF NEW YORK (Delaware),
                                as Delaware Trustee
                                By:      /s/ William T. Lewis
                                     --------------------------------------
                                Name:  William T. Lewis
                                Title: Sr. Vice President


                                THE BANK OF NEW YORK,
                                as Property Trustee
                                By:      /s/ Paul Schmalzel
                                     --------------------------------------
                                Name:  Paul Schmalzel
                                Title: Vice President


                                     /s/ James C. Kennedy
                                -------------------------------------------
                                James C. Kennedy, as Trustee


                                     /s/ Thomas E. Mischell
                                -------------------------------------------
                                Thomas E. Mischell, as Trustee