Document:

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                                                                    EXHIBIT 10.4

                      [The Bank of Novia Scotia Letterhead]

June 20, 2002

Maxtor Peripherals (S) Pte Ltd
No.2 Ang Mo Kio Street 63
Ang Mo Kio Street Park 3
Singapore 569111

Attention:    Mr. Tiong Chi Sieng, Vice-President-Finance /
              Ms. Tan Hui Yah, Director-Finance

Dear Sirs

REVOLVING BANK GUARANTEE FACILITY OF SGD666,000
AMENDMENTS TO COVENANTS ON TANGIBLE NET WORTH
AND CONSOLIDATED CASH BALANCE

1. We refer to the Revolving Bank Guarantee Facility of up to SGD666,000 (the
"Facility") granted under our Facility Letter of 24 December 2001 as amended by
our Amendment Letter dated 15 February 2002 (hereinafter collectively called the
"Facility Letter") and the Charge Over Cash Deposits (First Party) document
dated 2 January 2002.

2. We are pleased to advise that, at your request, The Bank of Nova Scotia,
Singapore Branch (the "Bank") is agreeable to amending the Covenant (e) of the
Facility Letter to read as follows:

                  "The Borrower shall procure that Maxtor Corporation maintain a
                  CONSOLIDATED TANGIBLE NET WORTH of not less than the TNW
                  HURDLE at all times.

                  CONSOLIDATED TANGIBLE NET WORTH is defined as the net worth of
                  Maxtor Corporation and its consolidated subsidiaries
                  calculated in accordance with GAAP (i.e., the generally
                  accepted accounting principles in effect in the United States
                  of America from time to time), after subtracting therefrom the
                  aggregate amount of Maxtor Corporation and its consolidated
                  subsidiaries' intangible assets (including, without
                  limitation, goodwill, franchises, licenses, patents,
                  trademarks, tradenames, copyrights and service marks), but
                  including deferred tax liabilities of up to US$338,000,000 and
                  US$90,000,000 of goodwill recorded on 29 December 2001 net of
                  any recoveries.

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                  TNW HURDLE is defined as the amount of (1) US$100,000,000,
                  plus (2) 50% of the quarterly consolidated positive Net Income
                  (not to be reduced by losses) from 31 December 2001 to the end
                  of the most recently ended fiscal quarter, plus (3) 75% of the
                  portion of the proceeds of any new issuance of equity
                  securities in any calendar year which in aggregate exceeds
                  US$50,000,000, minus (4) actual restructuring charges taken
                  after 31 December 2002 up to an amount equal to US$20,000,000.

                  Any non-compliance of the above by shall constitute an event
                  of default under the Facility."

3. We are also pleased to advise that, at your request, the Bank is agreeable to
amending Covenant (f) of the Facility Letter to read as follows:

                  "Maxtor Corporation shall at all times maintain a CONSOLIDATED
                  CASH BALANCE (defined below) of not less than the greater of
                  (1) USD250,000,000, and (2) 1.5 times of the outstanding
                  Capital as of any Cut-Off Date under the Receivable Purchase
                  Agreement ("RPA"). The RPA refers to the existing agreement
                  dated 15 November 2001, as amended from time to time, between
                  Maxtor Corporation, The Bank of Nova Scotia (New York), other
                  financial institutions and other entities related to Maxtor
                  Corporation. The terms "Capital" and "Cut-Off Date" above
                  shall have the same meaning as defined in the RPA. If The Bank
                  of Nova Scotia (New York) ceases to be part of the RPA or if
                  the RPA is terminated prior to the expiry of the Facility, the
                  Parent shall at all times maintain a Consolidated Cash Balance
                  of not less than USD250,000,000.

                  CONSOLIDATED CASH BALANCE is defined as the aggregate amount
                  of cash, cash equivalents & marketable securities of Maxtor
                  Corporation and its consolidated subsidiaries but excluding
                  cash deposits that are charged to the Bank under banking
                  facilities granted to the Borrower."

4. With the above amendments, the Bank Guarantee Issuance Commission shall be
increased from 0.225% per annum to 0.275% PER ANNUM with effect from the date of
this letter. In this connection, the `Pricing' clause (1) under the Facility
Letter shall be amended to read as follows:

                  "(1) BG Issuance Commission shall be 0.275% PER ANNUM on the
                  Bank's maximum liability under BG, payable up front at the
                  point of each issuance/renewal of a BG under the Facility."

5. Save for the above amendments, all other terms and conditions stipulated in
the Facility Letter and security document stated in Paragraph 1 above shall
remain unchanged.

6. If the above are acceptable, please sign and return to us the enclosed copy
of this Amendment Letter together with your Company's Board Resolution accepting
this Amendment

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letter by 30 June 2002, after which this offer shall lapse unless an extension
is granted by the Bank in writing.

Yours faithfully

/s/ Wah Sun Seong Koon

Wah Sun Seong Koon

Country Head, VP & Branch Manager
--------------------------------------------------------------------------------

We hereby accept and further undertake to observe all the terms and conditions
set out and incorporated in this letter.

We also hereby confirm that the existing changes over cash deposits under the
Charge Over Cash Deposits (First Party) document dated 2 January 2002 shall
continue to secure the aforesaid all monies payable in connection with the
Facility notwithstanding the amendments set out above, or in any subsequent
legal documentation.

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<S>                                                       <C>
MAXTOR PERIPHERALS (S) PTE LTD

/s/ Tiong Chi Sieng
TIONG CHI SIENG
Vice President, Finance

                                                          20 June 2002
--------------------------------------------------        ---------------------
Company Stamp & Authorized Signatory(ies)                 Date
for an on behalf of Maxtor Peripherals (S) Pte Ltd
</TABLE>

                                       3<PAGE>
                                                                    Exhibit 10.1

                                   EXHIBIT D-6

                          FULL RECOURSE PROMISSORY NOTE

$1,000,000.00                                               Saratoga, California
                                                            May 1, 2002

        FOR VALUE RECEIVED, the undersigned, Wei-Shin Tsay, promises to pay to
the order of Alliance Fiber Optic Products, Inc., a Delaware Corporation (the
"Company"), the principal sum of one million dollars ($1,000,000.00) with
interest from the date hereof at a rate of zero percent (0.0%) per annum,
payable on August 25, 2004.

        This Note is secured by a pledge of shares of Common Stock of the
Company, and is subject to all of the terms and provisions of a Restricted Stock
Purchase Agreement between the undersigned and the Company (the "Agreement").
Notwithstanding such pledge, the undersigned understands that this is a full
recourse promissory note.

        The undersigned further agrees that, in the event that his employment by
or association with the Company is terminated for any reason prior to payment in
full of this Note, this Note shall be accelerated and all remaining unpaid
principal shall become due and payable within 30 days after such termination.

        If an action is instituted for collection of this Note, the undersigned
agrees to pay court costs and reasonable attorneys' fees incurred by the holder
hereof.

        This Note may be prepaid at any time without penalty.

        This Note and the obligations hereunder shall be governed by and
construed and enforced in accordance with the laws of the State of California.

        This Note, effective May 1, 2002, replaces the note between the Company
and Wei-Shin Tsay signed August 25, 2000. In conjunction with the execution of
this Note, Wei-Shin Tsay agrees to pay the Company one hundred twelve thousand
and thirty five dollars and seven cents ($112,035.07) by July 31, 2002,
satisfying the accrued interest due through April 30, 2002 on the original note
dated August 25, 2000.

                                                       /s/ Wei-Shin Tsay
                                                 -------------------------------
                                                          Wei-Shin TsayEAGLE BANCSHARES, INC.,

                                RBC CENTURA BANK

                                       and

                             SUNTRUST BANK, ATLANTA
                                   AS TRUSTEE

                             SUPPLEMENTAL INDENTURE

                             Dated as of July 19, 2002

               8.50% Subordinated Debentures Due December 31, 2028

<PAGE>

                             SUPPLEMENTAL INDENTURE

         THIS SUPPLEMENTAL INDENTURE (the "SUPPLEMENTAL INDENTURE") is made as
of the day of July, 2002, among Eagle Bancshares, Inc., a unitary thrift holding
company organized as a Georgia corporation ("EAGLE" or the "COMPANY"), as
original issuer; RBC Centura Bank, a North Carolina state chartered bank (the
"SUCCESSOR COMPANY"); and SunTrust Bank, as trustee (the "TRUSTEE").

         WHEREAS, the Company and the Trustee have entered into an Indenture,
dated as of July 29, 1998 (the "ORIGINAL INDENTURE"), pursuant to which the
Company issued its 8.50% Subordinated Debentures due December 31, 2028 (the
"DEBENTURES") in an aggregate principal amount of $25,773,196; and

         WHEREAS, the Company intends to merge with and into the Successor
Company, with the Successor Company being the sole surviving entity (the
"MERGER") (the effective time and date of the Merger is referred to herein as
the "MERGER DATE"); and

         WHEREAS, effective as of the Merger Date, the Successor Company is to
assume the due and punctual payment of the principal of, premium, if any, and
interest on all of the Debentures and the performance of every covenant of the
Original Indenture on the part of Eagle to be performed or observed; and

         WHEREAS, pursuant to Section 12.1 of the Original Indenture, the
Company and the Trustee are required to amend or supplement the Original
Indenture to evidence the merger of the Company into the Successor Company in
accordance with and subject to the terms and conditions of the Original
Indenture and the Debentures; and

         WHEREAS, this Supplemental Indenture has been duly authorized by all
necessary corporate action on the part of the Company and the Successor Company.

         NOW, THEREFORE, the Company, the Successor Company and the Trustee
agree as follows for the equal and ratable benefit of the holders of the
Debentures:

                                   ARTICLE I
                                   DEFINITIONS

         SECTION 1.01 Definitions.

         (a) For purposes of this Supplemental Indenture, terms used but not
defined herein except as otherwise expressly provided or unless the context
otherwise requires have the meanings assigned to them in the Original Indenture.

         (b) "Indenture" means the Original Indenture, as amended by this
Supplemental Indenture or as otherwise supplemented or amended from time to time
by one or more indentures supplemental thereto or hereto entered into pursuant
to the applicable provisions of the Indenture.

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                                   ARTICLE II
                                 THE ASSUMPTION

         SECTION 2.01 Assumption by the Successor Company. Effective as of the
Merger Date, (a) the Successor Company, as a result of its being the surviving
entity in the Merger, agrees that, pursuant to Section 12.2 of the Original
Indenture, the due and punctual payment of the principal (and premium, if any)
and interest on the Debentures according to their tenor and the due and punctual
performance and observance of all of the covenants and conditions of the
Indenture to be kept or performed by the Company shall be assumed by the
Successor Company; and (b) pursuant to Section 12.2 of the Original Indenture,
with regard to the Indenture, the Successor Company shall succeed to and be
substituted for the Company, with the same effect as if it had been named in the
Indenture as the party of the first part, and the Company thereupon shall be
relieved of any further liability or obligation under the Indenture or upon the
Debentures. Following the execution and delivery of this Supplemental Indenture,
the parties hereto agree that all references to the "Company" in the Indenture
and the Debentures shall be deemed references to the Successor Company.

                                  ARTICLE III
                                  MISCELLANEOUS

         SECTION 3.01 Effect of Supplemental Indenture. Upon the execution and
delivery of this Supplemental Indenture by the Company, the Successor Company
and the Trustee, the Indenture shall be supplemented in accordance herewith, and
this Supplemental Indenture shall form a part of the Indenture for all purposes,
and every holder of Debentures heretofore or hereafter authenticated and
delivered under the Indenture shall be bound thereby.

         SECTION 3.02 Original Indenture Remains in Full Force and Effect.
Except as supplemented hereby, all provisions in the Original Indenture shall
remain in full force and effect.

         SECTION 3.03 Original Indenture and Supplemental Indenture Construed
Together. This Supplemental Indenture is an indenture supplemental to and in
implementation of the Original Indenture, and the Original Indenture and this
Supplemental Indenture shall henceforth be read and construed together.

         SECTION 3.04 Conflict with Trust Indenture Act. If and to the extent
any provision of this Supplemental Indenture limits, qualifies or conflicts with
any provision of the Trust Indenture Act that is required under the Trust
Indenture Act to be part of and govern any provision of this Supplemental
Indenture, the provision of the Trust Indenture Act shall control. If any
provision of this Supplemental Indenture modifies or excludes any provision of
the Trust Indenture Act that may be so modified or excluded, the provision of
the Trust Indenture Act shall be deemed to apply to the Indenture as so modified
or to be excluded by this Supplemental Indenture, as the case may be.

         SECTION 3.05 Severability. In case any provision in this Supplemental
Indenture shall be invalid, illegal or unenforceable, the validity, legality and
enforceability of the remaining provisions shall not in any way be affected or
impaired thereby.

                                      -2-

<PAGE>

         SECTION 3.06 Headings. The Article and Section headings of this
Supplemental Indenture have been inserted for convenience of reference only, are
not to be considered a part of this Supplemental Indenture and shall in no way
modify or restrict any of the terms or provisions hereof.

         SECTION 3.07 Benefits of Supplemental Indenture, etc. Nothing in this
Supplemental Indenture or the Debentures, express or implied, shall give to any
Person, other than the parties hereto and thereto and their successors hereunder
and thereunder and the Holders, any benefit of any legal or equitable right,
remedy or claim under the Indenture, this Supplemental Indenture or the
Debentures.

         SECTION 3.08 Successors. All agreements of the Company and the
Successor Company in this Supplemental Indenture shall bind its successors. All
agreements of the Trustee in this Supplemental Indenture shall bind its
successors.

         SECTION 3.09 GOVERNING LAW. THE INTERNAL LAW OF THE STATE OF GEORGIA
SHALL GOVERN AND BE USED TO CONSTRUE THIS SUPPLEMENTAL INDENTURE.

         SECTION 3.10 Notices. Effective as of the Merger Date, the addresses
for notices set forth in the Original Indenture shall be amended, without
further action, to read as follows:

         (a)  if to the Company or the Successor Company:

                 RBC Centura Bank
                 1417 Centura Highway
                 Rocky Mount, North Carolina 27804

         (b)  if to the Trustee:

                 SunTrust Bank
                 Corporate Trust Division
                 25 Park Place
                 24th Floor
                 Atlanta, Georgia  30303
                 Attention: Jack Ellerin, Assistant Vice President

         SECTION 3.11 Counterparts. This Supplemental Indenture may be executed
in two or more counterparts, each of which shall constitute an original, but all
of which when taken together shall constitute but one agreement.

                                      -3-

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Supplemental
Indenture to be duly executed by their duly authorized officers, all as of the
date first written above.

                                        EAGLE BANCSHARES, INC.

                                        By: /s/ Sheila E. Ray
                                           -------------------------------------
                                        Name: Sheila E. Ray
                                        Title: Chief Financial Officer

                                        RBC CENTURA BANK

                                        By: /s/ Elizabeth A. Edelman
                                           -------------------------------------
                                        Name: Elizabeth A. Edelman
                                        Title: Secretary

                                        SUNTRUST BANK, as Trustee

                                        By:   /s/ Jack Ellerin
                                           -------------------------------------
                                        Name: Jack Ellerin
                                        Title: Assistant Vice President

                                      -4-

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