Gateway Bancshares Inc /Ga/ Sample Contracts

Gateway Bancshares Inc /Ga/ – GUARANTEE AGREEMENT (March 26th, 2004)

EXHIBIT 4.4 ------------------------------------------------------------ GUARANTEE AGREEMENT BY AND BETWEEN GATEWAY BANCSHARES, INC. AND U.S. BANK NATIONAL ASSOCIATION DATED AS OF DECEMBER 17, 2003 ------------------------------------------------------------ GUARANTEE AGREEMENT ------------------- This GUARANTEE AGREEMENT (this "Guarantee"), dated as of December 17, 2003, is executed and delivered by Gateway Bancshares, Inc., a Georgia corporation (the "Guarantor"), and U.S. Bank National Association, a national banking association, organized under the laws of the United States of America, as trustee (the "Guarantee Trustee"), for the benefit of the

Gateway Bancshares Inc /Ga/ – INDENTURE (March 26th, 2004)

EXHIBIT 4.3 ====================================================== GATEWAY BANCSHARES, INC., AS ISSUER INDENTURE DATED AS OF DECEMBER 17, 2003 U.S. BANK NATIONAL ASSOCIATION, AS TRUSTEE FLOATING RATE JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES DUE 2033 ====================================================== TABLE OF CONTENTS ----------------- Page ---- ARTICLE I. DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Section 1.1. D

Gateway Bancshares Inc /Ga/ – RETIREMENT BENEFIT AGREEMENT (March 27th, 2003)

Exhibit 10.5 FORM OF SUPPLEMENTAL EXECUTIVE RETIREMENT BENEFIT AGREEMENT This Supplemental Executive Retirement Benefit Agreement (this "Agreement") is made as of the 1st day of January, 2002 (the "Effective Date"), by and between Gateway Bank & Trust, a Georgia bank (the "Bank"), and , an individual (the "Executive"). ------------- R E C I T A L S: - - - - - - - - WHEREAS, Executive is currently an employee of Bank and is a valued employee of Bank; WHEREAS, Bank desires to retain Executive as an employee of Bank and desires to provide Executive with an incentive to remain in the employ of the Bank; and WHEREAS, Bank desires to make available to Executive certain supplemental retirement benefits, and Execu

Gateway Bancshares Inc /Ga/ – LOAN AND STOCK PLEDGE AGREEMENT (August 7th, 2000)

1 EXHIBIT 10.1 LOAN AND STOCK PLEDGE AGREEMENT THIS LOAN AND STOCK PLEDGE AGREEMENT (the "Agreement"), entered into as of June 20, 2000, between GATEWAY BANCSHARES, INC., a Georgia corporation (the "Borrower"), and Gilmer County Bank, a Georgia banking corporation (the "Lender"). On the date hereof the Borrower is borrowing the principal amount of $2,000,000 from the Lender (the "Loan"), which will be evidenced by the Note. The Lender is willing to make the Loan to the Borrower on the terms and conditions described below. The Borrower and Lender agree that the payment and performance of all obligations relating to the Loan will be secured through the pledge to the Lender of all the issued and outstanding shares of capital stock owned or hereafter acquired by the Borrower (the "Stock") in GATEWAY BANK AND TRUST, having its main office at 5102 Alabama Highway, Ringgold,

Gateway Bancshares Inc /Ga/ – GROUND LEASE AGREEMENT (November 13th, 1996)

1 GROUND LEASE AGREEMENT BY AND BETWEEN RINGGOLD MINING AND MANUFACTURING COMPANY, INC. AS GROUND LESSOR, AND GATEWAY BANK & TRUST, AS LESSEE 2 TABLE OF CONTENTS ARTICLE I EXHIBITS AND DEFINITIONS Page 1.01 Exhibits 1 (a) Exhibit "A"