EXHIBIT 4.13

                CERTIFICATE OF AMENDMENT TO CERTIFICATE OF TRUST
                                       OF
                            CNA FINANCIAL CAPITAL III

1.)      The name of the statutory trust (the "Trust") is:

                            CNA Financial Capital III

2.)      Article 2 of the Certificate of Trust of the Trust is hereby amended to
         read in its entirety as follows:

         2. Delaware Trustee. The name and business address of the trustee of
the Trust with a principal place of business in the State of Delaware are Chase
Bank USA, National Association, Attn: Worldwide Securities Services, 500 Stanton
Christiana Road, 3/Ops 4, Newark, Delaware 19713.

         IN WITNESS WHEREOF, the undersigned has executed this Certificate of
Amendment to Certificate of Trust of the Trust this 11th day of August, 2005.



                                                        CHASE BANK USA, NATIONAL
                                                        ASSOCIATION, not in its
                                                        individual capacity but
                                                        solely as Trustee


                                                    By: /s/ John J. Cashin
                                                        ------------------------
                                                        Name:  John J. Cashin
                                                        Title:  Vice President