Document:

PREFERRED SECURITIES GUARANTEE AGREEMENT

                                 BY AND BETWEEN

                            RBC CENTURA BANKS, INC.,

                                       AND

                            SUNTRUST BANK, AS TRUSTEE

                                 August 13, 2002

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                                TABLE OF CONTENTS

                                                                        Page No.

RECITALS

ARTICLE I
    DEFINITIONS AND INTERPRETATION
        Section 1.1.  Definitions and Interpretation...........................2

ARTICLE II
    TRUST INDENTURE ACT
        Section 2.1.  Trust Indenture Act; Application.........................5
        Section 2.2.  Reports by the Preferred Guarantee Trustee...............5
        Section 2.3.  Periodic Reports to Preferred Guarantee Trustee..........6
        Section 2.4.  Evidence of Compliance with Conditions Precedent.........6
        Section 2.5.  Events of Default; Waiver................................6
        Section 2.6.  Event of Default; Notice.................................6
        Section 2.7.  Conflicting Interests....................................6

ARTICLE III
    POWERS, DUTIES AND RIGHTS OF PREFERRED GUARANTEE TRUSTEE
        Section 3.1.  Powers and Duties of the Preferred Guarantee Trustee.....7
        Section 3.2.  Certain Rights of Preferred Guarantee Trustee............9
        Section 3.3.  Not Responsible for Recitals or Issuance of Guarantee...11

ARTICLE IV
    PREFERRED GUARANTEE TRUSTEE
        Section 4.1.  Preferred Guarantee Trustee; Eligibility................11
        Section 4.2.  Appointment, Removal and Resignation of Preferred
                        Guarantee Trustees....................................12

ARTICLE V
    GUARANTEE
        Section 5.1.  Guarantee...............................................12
        Section 5.2.  Waiver of Notice and Demand.............................13
        Section 5.3.  Obligations Not Affected................................13
        Section 5.4.  Rights of Holders.......................................14
        Section 5.5.  Guarantee of Payment....................................14
        Section 5.6.  Subrogation.............................................15
        Section 5.7.  Independent Obligations.................................15

ARTICLE VI
    LIMITATION OF TRANSACTIONS; SUBORDINATION
        Section 6.1.  Limitation of Transactions..............................15
        Section 6.2.  Ranking.................................................15

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ARTICLE VII
    TERMINATION
        Section 7.1.  Termination.............................................15

ARTICLE VIII
    INDEMNIFICATION
        Section 8.1.  Exculpation.............................................16
        Section 8.2.  Indemnification.........................................16

ARTICLE IX
    MISCELLANEOUS
        Section 9.1.  Successors and Assigns..................................16
        Section 9.2.  Amendments..............................................17
        Section 9.3.  Notices.................................................17
        Section 9.4.  Benefit.................................................18
        Section 9.5.  Governing Law...........................................18

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                    PREFERRED SECURITIES GUARANTEE AGREEMENT

         THIS PREFERRED SECURITIES GUARANTEE AGREEMENT (this "Preferred
Securities Guarantee"), dated as of August 13, 2002, is executed and
delivered by RBC Centura Banks, Inc. a North Carolina corporation (the
"Guarantor"), and SunTrust Bank, a banking corporation organized under the laws
of the state of Georgia, as trustee, for the benefit of the Holders (as defined
herein) from time to time of the Preferred Securities (as defined herein) of EBI
Capital Trust I, a Delaware statutory business trust (the "Trust").

                                    RECITALS

         WHEREAS, pursuant to an Amended and Restated Trust Agreement (the
"Trust Agreement"), dated as of July 29, 1998, among the trustees of the
Trust named therein, Eagle Bancshares, Inc., a Georgia corporation ("Eagle"), as
sponsor, and the holders from time to time of undivided beneficial interests in
the assets of the Trust, the Trust issued on July 29, 1998 preferred securities
having an aggregate liquidation amount of $25.0 million, designated the 8.50%
Cumulative Trust Preferred Securities (the "Preferred Securities");

         WHEREAS, as incentive for the Holders to purchase the Preferred
Securities, Eagle entered into a Preferred Securities Guarantee Agreement (the
"Original Securities Guarantee"), dated as of July 29, 1998, between Eagle and
the Trustee;

         WHEREAS, pursuant to an Agreement and Plan of Merger, dated as of July
10, 2002, among the Guarantor, Eagle and RBC Centura Bank, a banking corporation
organized under the laws of the state of North Carolina and a wholly owned
subsidiary of the Guarantor (the "Bank"), Eagle merged with and into the Bank
(the "Merger") on July 22, 2002 (such date, the "Merger Date");

         WHEREAS, pursuant to Section 9.1 of the Original Securities Guarantee,
upon the Merger, the Bank will be bound by the guarantees and agreements of
Eagle in the Original Securities Guarantee;

         WHEREAS, the Guarantor intends, on a subordinated basis, to (1) provide
an independent guarantee to the Holders and (2) guarantee the obligations of the
Bank with respect to the Debentures, each as described herein.

         NOW, THEREFORE, the Guarantor executes and delivers this Preferred
Securities Guarantee for the benefit of the Holders.

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                                   ARTICLE I
                         DEFINITIONS AND INTERPRETATION

         Section 1.1. DEFINITIONS AND INTERPRETATION. In this Preferred
Securities Guarantee, unless the context otherwise requires:

                   (a) capitalized terms used in this Preferred Securities
         Guarantee but not defined in the preamble above have the respective
         meanings assigned to them in this Section 1.1;

                   (b) terms defined in the Trust Agreement as at the date of
         execution of this Preferred Securities Guarantee have the same meaning
         when used in this Preferred Securities Guarantee;

                   (c) a term defined anywhere in this Preferred Securities
         Guarantee has the same meaning throughout;

                   (d) all references to "the Preferred Securities Guarantee" or
         "this Preferred Securities Guarantee" are to this Preferred Securities
         Guarantee as modified, supplemented or amended from time to time;

                   (e) all references in this Preferred Securities Guarantee to
         Articles and Sections are to Articles and Sections of this Preferred
         Securities Guarantee, unless otherwise specified;

                   (f) a term defined in the Trust Indenture Act has the same
         meaning when used in this Preferred Securities Guarantee, unless
         otherwise defined in this Preferred Securities Guarantee or the Trust
         Agreement or unless the context otherwise requires; and

                   (g) a reference to the singular includes the plural and vice
         versa.

         "Affiliate" has the same meaning as given to that term in Rule 405 of
the Securities Act of 1933, as amended, or any successor rule thereunder.

         "Business Day" means any day other than a day on which federal or state
banking institutions in Atlanta, Georgia are authorized or required by law,
executive order or regulation to close or a day on which the Corporate Trust
Office of the Preferred Guarantee Trustee is closed for business.

         "Corporate Trust Office" means the office of the Preferred Guarantee
Trustee at which the corporate trust business of the Preferred Guarantee Trustee
shall, at any particular time, be principally administered, which office at the
date of execution of this Preferred Securities Guarantee is located at Corporate
Trust Division, 25 Park Place, 24th Floor, Atlanta, Georgia 30303, Attention:
Jack Ellerin, Assistant Vice President.

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         "Covered Person" means any Holder or beneficial owner of Preferred
Securities.

         "Debentures" means the 8.50% Subordinated Debentures due December 31,
2028 of the Debenture Issuer held by the Property Trustee of the Trust.

         "Debenture Issuer" means the Bank, as successor by merger to Eagle.

         "Event of Default" means a default by the Guarantor on any of its
payment obligations under this Preferred Securities Guarantee.

         "Guaranteed Payments" means the following payments or distributions,
without duplication, with respect to the Preferred Securities, to the extent not
paid or made by the Trust or the Bank: (i) any accrued and unpaid Distributions
that are required to be paid on such Preferred Securities, to the extent the
Trust shall have funds available therefor, (ii) the redemption price, including
all accrued and unpaid Distributions to the date of redemption (the "Redemption
Price"), to the extent the Trust has funds available therefor, with respect to
any Preferred Securities called for redemption by the Trust, and (iii) upon a
voluntary or involuntary dissolution, winding-up or termination of the Trust
(other than in connection with the distribution of Debentures to the Holders in
exchange for Preferred Securities as provided in the Trust Agreement), the
lesser of (a) the aggregate of the liquidation amount and all accrued and unpaid
Distributions on the Preferred Securities to the date of payment, to the extent
the Trust shall have funds available therefor (the "Liquidation Distribution"),
and (b) the amount of assets of the Trust remaining available for distribution
to Holders in liquidation of the Trust.

         "Holder" shall mean any holder, as registered on the books and records
of the Trust, of any Preferred Securities; provided, however, that, in
determining whether the holders of the requisite percentage of Preferred
Securities have given any request, notice, consent or waiver hereunder, "Holder"
shall not include the Guarantor or any Affiliate of the Guarantor.

         "Indemnified Person" means the Preferred Guarantee Trustee, any
Affiliate of the Preferred Guarantee Trustee, or any officers, director,
shareholder, member, partner, employee, representative, nominee, custodian or
agent of the Preferred Guarantee Trustee.

         "Indenture" means the Indenture dated as of July 29, 1998, among the
Debenture Issuer and SunTrust Bank, Atlanta, as trustee, and any indenture
supplemental thereto pursuant to which certain subordinated debt securities of
the Debenture Issuer are to be issued to the Property Trustee of the Trust.

         "Liquidation Distribution" has the meaning provided therefor in the
definition of Guaranteed Payments.

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         "Majority in liquidation amount of the Preferred Securities" means the
holders of more than 50% of the liquidation amount (including the stated amount
that would be paid on redemption, liquidation or otherwise, plus accrued and
unpaid Distributions to the date upon which the voting percentages are
determined) of all of the Preferred Securities.

         "Officers' Certificate" means, with respect to any Person, a
certificate signed by two authorized officers of such Person. Any Officers'
Certificate delivered with respect to compliance with a condition or covenant
provided for in this Preferred Securities Guarantee shall include:

                   (a) a statement that each officer signing the Officers'
         Certificate has read the covenant or condition and the definition
         relating thereto;

                   (b) a brief statement of the nature and scope of the
         examination or investigation undertaken by each officer in rendering
         the Officers' Certificate;

                   (c) a statement that each such officer has made such
         examination or investigation as, in such officer's opinion, is
         necessary to enable such officer to express an informed opinion as to
         whether or not such covenant or condition has been complied with; and

                   (d) a statement as to whether, in the opinion of each such
         officer, such condition or covenant has been complied with.

         "Person" means a legal person, including any individual, corporation,
estate, partnership, joint venture, association, joint stock company, limited
liability company, trust, unincorporated association, or government or any
agency or political subdivision thereof, or any other entity of whatever nature.

         "Preferred Guarantee Trustee" means SunTrust Bank until a Successor
Preferred Guarantee Trustee has been appointed and has accepted such appointment
pursuant to the terms of this Preferred Securities Guarantee and thereafter
means each such Successor Preferred Guarantee Trustee.

         "Redemption Price" has the meaning provided therefor in the definition
of Guaranteed Payments.

         "Responsible Officer" means, with respect to the Preferred Guarantee
Trustee, the Chairman of the Board of Directors, the President, the Secretary or
the Treasurer; or any corporate trust officer within the Corporate Trust Office
of the Preferred Guarantee Trustee, including any vice-president, any assistant
vice-president, any assistant secretary, the treasurer, any assistant treasurer
or other officer of the Corporate Trust Office of the Preferred Guarantee
Trustee customarily performing

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functions similar to those performed by any of the above designated officers and
also means, with respect to a particular corporate trust matter, any other
officer to whom such matter is referred because of that officer's knowledge of
and familiarity with the particular subject.

         "Successor Preferred Guarantee Trustee" means a successor Preferred
Guarantee Trustee possessing the qualifications to act as Preferred Guarantee
Trustee under Section 4.1.

         "Trust Indenture Act" means the Trust Indenture Act of 1939, as
amended.

                                   ARTICLE II
                               TRUST INDENTURE ACT

         Section 2.1. TRUST INDENTURE ACT; APPLICATION. (a) This Preferred
Securities Guarantee is subject to the provisions of the Trust Indenture Act
that are required to be part of this Preferred Securities Guarantee and shall,
to the extent applicable, be governed by such provisions.

         (b) If and to the extent that any provision of this Preferred
Securities Guarantee limits, qualifies or conflicts with the duties imposed by
Section 310 to 317, inclusive, of the Trust Indenture Act, such imposed duties
shall control.

         Section 2.2. LISTS OF HOLDERS OF SECURITIES. (a) The Guarantor shall
provide the Preferred Guarantee Trustee with a list, in such form as the
Preferred Guarantee Trustee may reasonably require, of the names and addresses
of the Holders of the Preferred Securities ("List of Holders") as of the date
(i) within one Business Day after January 1 and June 30 of each year, and (ii)
at any other time within 30 days of receipt by the Guarantor of a written
request for a List of Holders as of a date no more than 15 days before such List
of Holders is given to the Preferred Guarantee Trustee; provided, that the
Guarantor shall not be obligated to provide such List of Holders at any time the
List of Holders does not differ from the most recent List of Holders given to
the Preferred Guarantee Trustee by the Guarantor. The Preferred Guarantee
Trustee may destroy any List of Holders previously given to it on receipt of a
new List of Holders.

         (b) The Preferred Guarantee Trustee shall comply with its obligations
under Sections 311(a), 311(b) and Section 312(b) of the Trust Indenture Act.

         Section 2.3. REPORTS BY THE PREFERRED GUARANTEE TRUSTEE. On or before
July 15 of each year, the Preferred Guarantee Trustee shall provide to the
Holders of the Preferred Securities such reports as are required by Section 313
of the Trust Indenture Act, if any, in the form and in the manner provided by
Section 313 of the Trust Indenture Act. The Preferred Guarantee Trustee shall
also comply with the requirements of Section 313(d) of the Trust Indenture Act.

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         Section 2.4. PERIODIC REPORTS TO PREFERRED GUARANTEE TRUSTEE. The
Guarantor shall provide to the Preferred Guarantee Trustee, the Commission
and/or the Holders of the Preferred Securities, such documents, reports and
information as required by Section 314 (if any) and the compliance certificate
required by Section 314 of the Trust Indenture Act in the form, in the manner
and at the times required by Section 314 of the Trust Indenture Act, but not
later than 120 days after Guarantor's fiscal year end.

         Section 2.5. EVIDENCE OF COMPLIANCE WITH CONDITIONS PRECEDENT. The
Guarantor shall provide to the Preferred Guarantee Trustee such evidence of
compliance with any conditions precedent, if any, provided for in this Preferred
Securities Guarantee as set forth in Sections 314(c) and 314(e) of the Trust
Indenture Act. Any certificate or opinion required to be given by an officer
pursuant to Section 314(c)(1) may be given in the form of an Officers'
Certificate.

         Section 2.6. EVENTS OF DEFAULT; WAIVER. The Holders of a Majority in
liquidation amount of Preferred Securities may, by vote, on behalf of the
Holders of all of the Preferred Securities, waive any past Event of Default and
its consequences. Upon such waiver, any such Event of Default shall cease to
exist, and any Event of Default arising therefrom shall be deemed to have been
cured, for every purpose of this Preferred Securities Guarantee, but no such
waiver shall extend to any subsequent or other default or Event of Default or
impair any right consequent thereon.

         Section 2.7. EVENT OF DEFAULT; NOTICE. (a) The Preferred Guarantee
Trustee shall, within 90 days after receipt of notice by a Responsible Officer
of the occurrence of an Event of Default, transmit by mail, first class postage
prepaid, to the Holders of the Preferred Securities, notices of all Events of
Default actually known to a Responsible Officer of the Preferred Guarantee
Trustee, unless such defaults have been cured or waived before the giving of
such notice; provided, in the case of an Event of Default other than a default
in payment obligations under the Preferred Securities Guarantee, that the
Preferred Guarantee Trustee shall be protected in withholding such notice if and
so long as a Responsible Officer of the Preferred Guarantee Trustee in good
faith determines that the withholding of such notice is in the interests of the
Holders of the Preferred Securities.

         (b) The Preferred Guarantee Trustee shall not be deemed to have
knowledge of an Event of Default unless the Preferred Guarantee Trustee shall
have received written notice of such Event of Default, or a Responsible Officer
of the Preferred Guarantee Trustee charged with the administration of the Trust
Agreement shall have obtained actual knowledge of such Event of Default.

         Section 2.8. CONFLICTING INTERESTS. The Trust Agreement shall be deemed
to be specifically described in this Preferred Securities Guarantee for the
purposes of clause (i) of the first proviso contained in Section 310(b) of the
Trust Indenture Act.

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                                  ARTICLE III
            POWERS, DUTIES AND RIGHTS OF PREFERRED GUARANTEE TRUSTEE

         Section 3.1. POWERS AND DUTIES OF THE PREFERRED GUARANTEE TRUSTEE.
(a) This Preferred Securities Guarantee shall be held by the Preferred
Guarantee Trustee for the benefit of the Holders of the Preferred Securities,
and the Preferred Guarantee Trustee shall not transfer this Preferred Securities
Guarantee to any Person except a Holder of Preferred Securities exercising his
or her rights pursuant to Section 5.4(b) or to a Successor Preferred Guarantee
Trustee on acceptance by such Successor Preferred Guarantee Trustee of its
appointment to act as Successor Preferred Guarantee Trustee. The right, title
and interest of the Preferred Guarantee Trustee shall automatically vest in any
Successor Preferred Guarantee Trustee, and such vesting and cessation of title
shall be effective whether or not conveyancing documents have been executed and
delivered pursuant to the appointment of such Successor Preferred Guarantee
Trustee.

         (b) If an Event of Default has occurred and is continuing, based upon
written notice to the Preferred Guarantee Trustee, the Preferred Guarantee
Trustee shall enforce this Preferred Securities Guarantee for the benefit of the
Holders of the Preferred Securities.

         (c) The Preferred Guarantee Trustee, before the occurrence of any Event
of Default and after the curing of all Events of Default that may have occurred,
shall undertake to perform only such duties as are specifically set forth in
this Preferred Securities Guarantee, and no implied covenants shall be read into
this Preferred Securities Guarantee against the Preferred Guarantee Trustee. In
case an Event of Default has occurred (that has not been cured or waived
pursuant to Section 2.6) and is actually known to a Responsible Officer of the
Preferred Guarantee Trustee, the Preferred Guarantee Trustee shall exercise such
of the rights and powers vested in it by this Preferred Securities Guarantee,
and use the same degree of care and skill in its exercise thereof, as a prudent
person would exercise or use under the circumstances in the conduct of his or
her own affairs.

         (d) No provision of this Preferred Securities Guarantee shall be
construed to relieve the Preferred Guarantee Trustee from liability for its own
negligent action, its own negligent failure to act, or its own willful
misconduct, except that:

                        (i) prior to the occurrence of any Event of Default and
              after the curing or waiving of all such Events of Default that may
              have occurred:

                             (A) the duties and obligations of the Preferred
                   Guarantee Trustee shall be determined solely by the express
                   provisions of this Preferred Securities Guarantee, and the
                   Preferred Guarantee Trustee shall not be liable except for
                   the performance of such duties and obligations as are
                   specifically set forth in this Preferred

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                   Securities Guarantee, and no implied covenants or obligations
                   shall be read into this Preferred Securities Guarantee
                   against the Preferred Guarantee Trustee; and

                             (B) in the absence of bad faith on the part of the
                   Preferred Guarantee Trustee, the Preferred Guarantee Trustee
                   may conclusively rely, as to the truth of the statements and
                   the correctness of the opinions expressed therein, upon any
                   certificates or opinions furnished to the Preferred Guarantee
                   Trustee and conforming to the requirements of this Preferred
                   Securities Guarantee; but in the case of any such
                   certificates or opinions that by any provision hereof are
                   specifically required to be furnished to the Preferred
                   Guarantee Trustee, the Preferred Guarantee Trustee shall be
                   under a duty to examine the same to determine whether or not
                   they conform to the requirements of this Preferred Securities
                   Guarantee;

                        (ii) the Preferred Guarantee Trustee shall not be liable
              for any error of judgment made in good faith by a Responsible
              Officer of the Preferred Guarantee Trustee, unless it shall be
              proved that the Preferred Guarantee Trustee was negligent in
              ascertaining the pertinent facts upon which such judgment was
              made;

                        (iii) the Preferred Guarantee Trustee shall not be
              liable with respect to any action taken or omitted to be taken by
              it in good faith in accordance with the direction of the Holders
              of not less than a Majority in liquidation amount of the Preferred
              Securities relating to the time, method and place of conducting
              any proceeding for any remedy available to the Preferred Guarantee
              Trustee, or the exercise of any trust or power conferred upon the
              Preferred Guarantee Trustee under this Preferred Securities
              Guarantee; and

                        (iv) no provision of this Preferred Securities Guarantee
              shall require the Preferred Guarantee Trustee to expend or risk
              its own funds or otherwise incur personal financial liability in
              the performance of any of its duties or in the exercise of any of
              its rights or powers, if the Preferred Guarantee Trustee shall
              have reasonable grounds for believing that the repayment of such
              funds or liability is not reasonably assured to it under the terms
              of this Preferred Securities Guarantee or indemnity, reasonably
              satisfactory to the Preferred Guarantee Trustee, against such risk
              or liability is not reasonably assured to it.

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         Section 3.2. CERTAIN RIGHTS OF PREFERRED GUARANTEE TRUSTEE. (a) Subject
to the provisions of Section 3.1:

                        (i) the Preferred Guarantee Trustee may conclusively
              rely, and shall be fully protected in acting or refraining from
              acting upon, any resolution, certificate, statement, instrument,
              opinion, report, notice, request, direction, consent, order, bond,
              debenture, note, other evidence of indebtedness or other paper or
              document believed by it to be genuine and to have been signed,
              sent or presented by the proper party or parties;

                        (ii) Any direction or act of the Guarantor contemplated
              by this Preferred Securities Guarantee shall be sufficiently
              evidenced by an Officers' Certificate;

                        (iii) whenever, in the administration of this Preferred
              Securities Guarantee, the Preferred Guarantee Trustee shall deem
              it desirable that a matter be proved or established before taking,
              suffering or omitting any action hereunder, the Preferred
              Guarantee Trustee (unless other evidence is herein specifically
              prescribed) may, in the absence of bad faith on its part, request
              and conclusively rely upon an Officers' Certificate which, upon
              receipt of such request, shall be promptly delivered by the
              Guarantor;

                        (iv) the Preferred Guarantee Trustee shall have no duty
              to see to any recording, filing or registration of any instrument
              (or any rerecording, refiling or registration thereof);

                        (v) the Preferred Guarantee Trustee may consult with
              counsel, and the written advice or opinion of such counsel with
              respect to legal matters shall be full and complete authorization
              and protection in respect of any action taken, suffered or omitted
              by it hereunder in good faith and in accordance with such advice
              or opinion. Such counsel may be counsel to the Guarantor or any of
              its Affiliates and may include any of its employees. The Preferred
              Guarantee Trustee shall have the right at any time to seek
              instructions concerning the administration of this Preferred
              Securities Guarantee from any court of competent jurisdiction;

                        (vi) the Preferred Guarantee Trustee shall be under no
              obligation to exercise any of the rights or powers vested in it by
              this Preferred Securities Guarantee at the request or direction of
              any Holder, unless such Holder shall have provided to the
              Preferred Guarantee Trustee such security and indemnity,

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<PAGE>

              reasonably satisfactory to the Preferred Guarantee Trustee,
              against the costs, expenses (including attorneys' fees and
              expenses and the expenses of the Preferred Guarantee Trustee's
              agents, nominees or custodians) and liabilities that might be
              incurred by it in complying with such request or direction,
              including such reasonable advances as may be requested by the
              Preferred Guarantee Trustee; provided that, nothing contained in
              this Section 3.2(a)(vi) shall be taken to relieve the Preferred
              Guarantee Trustee, upon the occurrence of an Event of Default, of
              its obligation to exercise the rights and powers vested in it by
              this Preferred Securities Guarantee;

                        (vii) the Preferred Guarantee Trustee shall not be bound
              to make any investigation into the facts or matters stated in any
              resolution, certificate, statement, instrument, opinion, report,
              notice, request, direction, consent, order, bond, debenture, note,
              other evidence of indebtedness or other paper or document, but the
              Preferred Guarantee Trustee, in its discretion, may make such
              further inquiry or investigation into such facts or matters as it
              may see fit;

                        (viii) the Preferred Guarantee Trustee may execute any
              of the trusts or powers hereunder or perform any duties hereunder
              either directly or by or through agents, nominees, custodians or
              attorneys, and the Preferred Guarantee Trustee shall not be
              responsible for any misconduct or negligence on the part of any
              agent or attorney appointed with due care by it hereunder;

                        (ix) any action taken by the Preferred Guarantee Trustee
              or its agents hereunder shall bind the Holders of the Preferred
              Securities, and the signature of the Preferred Guarantee Trustee
              or its agents alone shall be sufficient and effective to perform
              any such action. No third party shall be required to inquire as to
              the authority of the Preferred Guarantee Trustee to so act or as
              to its compliance with any of the terms and provisions of this
              Preferred Securities Guarantee, both of which shall be
              conclusively evidenced by the Preferred Guarantee Trustee's or its
              agent's taking such action;

                        (x) whenever in the administration of this Preferred
              Securities Guarantee the Preferred Guarantee Trustee shall deem it
              desirable to receive instructions with respect to enforcing any
              remedy or right or taking any other action hereunder, the
              Preferred Guarantee Trustee (i) may request instructions from the
              Holders of a Majority in liquidation amount of the Preferred
              Securities, (ii) may refrain from enforcing such remedy or right
              or taking such

                                      -10-

<PAGE>

              other action until such instructions are received, and (iii) shall
              be protected in conclusively relying on or acting in accordance
              with such instructions.

         (b) No provision of this Preferred Securities Guarantee shall be deemed
to impose any duty or obligation on the Preferred Guarantee Trustee to perform
any act or acts or exercise any right, power, duty or obligation conferred or
imposed on it in any jurisdiction in which it shall be illegal, or in which the
Preferred Guarantee Trustee shall be unqualified or incompetent in accordance
with applicable law, to perform any such act or acts or to exercise any such
right, power, duty or obligation. No permissive power or authority available to
the Preferred Guarantee Trustee shall be construed to be a duty.

         Section 3.3. NOT RESPONSIBLE FOR RECITALS OR ISSUANCE OF GUARANTEE. The
Recitals contained in this Guarantee shall be taken as the statements of the
Guarantor, and the Preferred Guarantee Trustee does not assume any
responsibility for their correctness. The Preferred Guarantee Trustee makes no
representation as to the validity or sufficiency of this Preferred Securities
Guarantee.

                                   ARTICLE IV
                           PREFERRED GUARANTEE TRUSTEE

         Section 4.1. PREFERRED GUARANTEE TRUSTEE; ELIGIBILITY. (a) There shall
at all times be a Preferred Guarantee Trustee which shall:

                        (i) not be an Affiliate of the Guarantor; and

                        (ii) be a corporation organized and doing business under
              the laws of the United States of America or any State or Territory
              thereof or of the District of Columbia, or a corporation or Person
              permitted by the Commission to act as an institutional trustee
              under the Trust Indenture Act, authorized under such laws to
              exercise corporate trust powers, having a combined capital and
              surplus of at least $50,000,000, and subject to supervision or
              examination by Federal, State, Territorial or District of Columbia
              authority. If such corporation publishes or files reports of
              condition at least annually, pursuant to law or to the
              requirements of the supervising or examining authority referred to
              above, then, for the purposes of this Section 4.1(a)(ii), the
              combined capital and surplus of such corporation shall be deemed
              to be its combined capital and surplus as set forth in its most
              recent report of condition so published or filed.

         (b) If at any time the Preferred Guarantee Trustee shall cease to be
eligible to so act under Section 4.1(a), the Preferred Guarantee Trustee shall
immediately resign in the manner and with the effect set out in Section 4.2(c).

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<PAGE>

         (c) If the Preferred Guarantee Trustee has or shall acquire any
"conflicting interest" within the meaning of Section 310(b) of the Trust
Indenture Act, the Preferred Guarantee Trustee and Guarantor shall in all
respects comply with the provisions of Section 310(b) of the Trust Indenture
Act.

         Section 4.2. APPOINTMENT, REMOVAL AND RESIGNATION OF PREFERRED
GUARANTEE TRUSTEES. (a) Subject to Section 4.2(b), the Preferred Guarantee
Trustee may be appointed or removed without cause at any time by the Guarantor.

         (b) The Preferred Guarantee Trustee shall not be removed in accordance
with Section 4.2(a) until a Successor Preferred Guarantee Trustee has been
appointed and has accepted such appointment by written instrument executed by
such Successor Preferred Guarantee Trustee and delivered to the Guarantor.

         (c) The Preferred Guarantee Trustee appointed to office shall hold
office until a Successor Preferred Guarantee Trustee shall have been appointed
or until its removal or resignation. The Preferred Guarantee Trustee may resign
from office (without need for prior or subsequent accounting) by an instrument
in writing executed by the Preferred Guarantee Trustee and delivered to the
Guarantor, which resignation shall not take effect until a Successor Preferred
Guarantee Trustee has been appointed and has accepted such appointment by
instrument in writing executed by such Successor Preferred Guarantee Trustee and
delivered to the Guarantor and the resigning Preferred Guarantee Trustee.

         (d) If no Successor Preferred Guarantee Trustee shall have been
appointed and accepted appointment as provided in this Section 4.2 within 30
days after delivery to the Guarantor of an instrument of resignation, the
resigning Preferred Guarantee Trustee may petition any court of competent
jurisdiction for appointment of a Successor Preferred Guarantee Trustee. Such
court may thereupon, after prescribing such notice, if any, as it may deem
proper, appoint a Successor Preferred Guarantee Trustee.

         (e) No Preferred Guarantee Trustee shall be liable for the acts or
omissions to act of any Successor Preferred Guarantee Trustee.

         (f) Upon termination of this Preferred Securities Guarantee or removal
or resignation of the Preferred Guarantee Trustee pursuant to this Section 4.2,
the Guarantor shall pay to the Preferred Guarantee Trustee all amounts accrued
to the date of such termination, removal or resignation.

                                      -12-

<PAGE>

                                    ARTICLE V
                                    GUARANTEE

         Section 5.1. GUARANTEE. (a) The Guarantor irrevocably and
unconditionally agrees to pay in full to the Holders the Guaranteed Payments
(without duplication of amounts theretofore paid by the Trust or the Bank), as
and when due, regardless of any defense, right of set-off or counterclaim that
the Trust may have or assert. The Guarantor's obligation to make a Guarantee
Payment may be satisfied by direct payment of the required amounts by the
Guarantor to the Holders or by causing the Trust to pay such amounts to the
Holders.

         (b) The Guarantor irrevocably and unconditionally guarantees the Bank's
payment to the Trust under the Debentures, as and when due (subject to, and
after giving effect to, the exercise (if any) by the Bank of any deferral rights
provided for in the Indenture and the Debentures), regardless of any defense,
right of set-off or counterclaim that the Bank may have or assert.

         Section 5.2. WAIVER OF NOTICE AND DEMAND. The Guarantor hereby waives
notice of acceptance of this Preferred Securities Guarantee and of any liability
to which it applies or may apply, presentment, demand for payment, any right to
require a proceeding first against the Trust, the Bank or any other Person
before proceeding against the Guarantor, protest, notice of nonpayment, notice
of dishonor, notice of redemption and all other notices and demands.

         Section 5.3. OBLIGATIONS NOT AFFECTED. The obligations, covenants,
agreements and duties of the Guarantor under this Preferred Securities Guarantee
shall in no way be affected or impaired by reason of the happening from time to
time of any of the following:

         (a) the release or waiver, by operation of law or otherwise, of the
performance or observance by the Trust of any express or implied agreement,
covenant, term or condition relating to the Preferred Securities to be performed
or observed by the Trust;

         (b) the release or waiver, by operation of law or otherwise, of the
performance or observance by the Bank of any express or implied agreement,
covenant, term or condition relating to the Debentures to be performed or
observed by the Bank;

                                      -13-

<PAGE>

         (c) the extension of time for the payment by the Trust of all or any
portion of the Distributions, Redemption Price, Liquidation Distribution or any
other sums payable under the terms of the Preferred Securities or the extension
of time for the performance of any other obligation under, arising out of, or in
connection with, the Preferred Securities (other than an extension of time for
payment of Distributions, Redemption Price, Liquidation Distribution or other
sum payable that results from the extension of any interest payment period on
the Debentures or any extension of the maturity date of the Debentures permitted
by the Indenture);

         (d) any failure, omission, delay or lack of diligence on the part of
the Holders to enforce, assert or exercise any right, privilege, power or remedy
conferred on the Holders pursuant to the terms of the Preferred Securities, or
any action on the part of the Trust granting indulgence or extension of any
kind;

         (e) any failure, omission, delay or lack of diligence on the part of
the Trust to enforce, assert or exercise any right, privilege, power or remedy
conferred on the Trust pursuant to the terms of the Debentures, or any action on
the part of the Trust granting indulgence or extension of any kind;

         (f) the voluntary or involuntary liquidation, dissolution, sale of any
collateral, receivership, insolvency, bankruptcy, assignment for the benefit of
creditors, reorganization, arrangement, composition or readjustment of debt of,
or other similar proceedings affecting, the Trust or any of the assets of the
Trust;

         (g) the voluntary or involuntary liquidation, dissolution, sale of any
collateral, receivership, insolvency, bankruptcy, assignment for the benefit of
creditors, reorganization, arrangement, composition or readjustment of debt of,
or other similar proceedings affecting, the Original Securities Guarantee;

         (h) any invalidity of, or defect or deficiency in, the Preferred
Securities;

         (i) any invalidity of, or defect or deficiency in, the Debentures;

                                      -14-

<PAGE>

         (j) the settlement or compromise of any obligation guaranteed hereby or
hereby incurred; or

         (k) any other circumstance whatsoever that might otherwise constitute a
legal or equitable discharge or defense of a guarantor, it being the intent of
this Section 5.3 that the obligations of the Guarantor hereunder shall be
absolute and unconditional under any and all circumstances.

         There shall be no obligation of the Holders to give notice to, or
obtain consent of, the Guarantor with respect to the happening of any of the
foregoing.

         Section 5.4. RIGHTS OF HOLDERS. (a) The Holders of a Majority in
liquidation amount of the Preferred Securities shall have the right to direct
the time, method and place of conducting of any proceeding for any remedy
available to the Preferred Guarantee Trustee in respect of this Preferred
Securities Guarantee or exercising any trust or power conferred upon the
Preferred Guarantee Trustee under this Preferred Securities Guarantee.

         (b) Any Holder of Preferred Securities may institute a legal proceeding
directly against the Guarantor to enforce its rights under this Preferred
Securities Guarantee, without first instituting a legal proceeding against the
Trust, the Bank, the Preferred Guarantee Trustee or any other Person.

         Section 5.5. GUARANTEE OF PAYMENT. This Preferred Securities Guarantee
creates a guarantee of payment and not of collection.

         Section 5.6. SUBROGATION. The Guarantor shall be subrogated to all (if
any) rights of the Holders of Preferred Securities against the Trust and the
Bank in respect of any amounts paid to such Holders by the Guarantor under this
Preferred Securities Guarantee; provided, however, that the Guarantor shall not
(except to the extent required by mandatory provisions of law) be entitled to
enforce or exercise any right that it may acquire by way of subrogation or any
indemnity, reimbursement or other agreement, in all cases as a result of payment
under this Preferred Securities Guarantee, if, at the time of any such payment,
any amounts are due and unpaid under this Preferred Securities Guarantee. If any
amount shall be paid to the Guarantor in violation of the preceding sentence,
the Guarantor agrees to hold such amount in trust for the Holders and to pay
over such amount to the Holders.

         Section 5.7. INDEPENDENT OBLIGATIONS. The Guarantor acknowledges that
its obligations hereunder are independent of the obligations of the Trust with
respect to

                                      -15-

<PAGE>

the Preferred Securities, and are independent of the obligations of the Bank
with respect to the Debentures, and that the Guarantor shall be liable as
principal and as debtor hereunder to make Guarantee Payments pursuant to the
terms of this Preferred Securities Guarantee notwithstanding the occurrence of
any event referred to in subsections (a) through (k), inclusive, of Section 5.3
hereof.

                                   ARTICLE VI
                    LIMITATION OF TRANSACTIONS; SUBORDINATION

         Section 6.1. LIMITATION OF TRANSACTIONS. So long as any Preferred
Securities remain outstanding, if there shall have occurred an Event of Default
under this Preferred Securities Guarantee, an Event of Default under the Trust
Agreement or during an Extended Interest Payment Period (as defined in the
Indenture), then the Guarantor shall not declare or pay any dividend on, make
any distributions with respect to, or redeem, purchase, acquire or make a
liquidation payment with respect to, any of its capital stock (other than as a
result of a reclassification of its capital stock for another class of its
capital stock).

         Section 6.2. RANKING. This Preferred Securities Guarantee will
constitute an unsecured obligation of the Guarantor and will rank (i)
subordinate and junior in right of payment to all other liabilities of the
Guarantor, (ii) pari passu with the most senior preferred securities or
preference stock now or hereafter issued by the Guarantor and with any guarantee
now or hereafter entered into by the Guarantor in respect of any preferred
securities or preference stock of any Affiliate of the Guarantor, and (iii)
senior to the Guarantor's common stock.

                                  ARTICLE VII
                                  TERMINATION

         Section 7.1. TERMINATION. This Preferred Securities Guarantee shall
terminate upon (i) full payment of the Redemption Price of all Preferred
Securities, (ii) upon full payment of the amounts payable in accordance with the
Trust Agreement upon liquidation of the Trust, or (iii) upon distribution of the
Debentures to the Holders of the Preferred Securities. Notwithstanding the
foregoing, this Preferred Securities Guarantee shall continue to be effective or
shall be reinstated, as the case may be, if at any time any Holder of Preferred
Securities must restore payment of any sums paid under the Preferred Securities
or under this Preferred Securities Guarantee.

                                  ARTICLE VIII
                                 INDEMNIFICATION

         Section 8.1. EXCULPATION. (a) No Indemnified Person shall be liable,
responsible or accountable in damages or otherwise to the Guarantor or any
Covered Person for any loss, damage or claim incurred by reason of any act or
omission performed or omitted by such Indemnified Person in good faith in
accordance with this

                                      -16-

<PAGE>

Preferred Securities Guarantee and in a manner that such Indemnified Person
reasonably believed to be within the scope of the authority conferred on such
Indemnified Person by this Preferred Securities Guarantee or by law, except that
an Indemnified Person shall be liable for any such loss, damage or claim
incurred by reason of such Indemnified Person's negligence or willful misconduct
with respect to such acts or omissions.

         (b) An Indemnified Person shall be fully protected in relying in good
faith upon the records of the Guarantor and upon such information, opinions,
reports or statements presented to the Guarantor by any Person as to matters the
Indemnified Person reasonably believes are within such other Person's
professional or expert competence and who has been selected with reasonable care
by or on behalf of the Guarantor, including information, opinions, reports or
statements as to the value and amount of the assets, liabilities, profits,
losses, or any other facts pertinent to the existence and amount of assets from
which Distributions to Holders of Preferred Securities might properly be paid.

         Section 8.2. INDEMNIFICATION. The Guarantor agrees to indemnify each
Indemnified Person for, and to hold each Indemnified Person harmless against,
any loss, liability or expense incurred without negligence or bad faith on its
part, arising out of or in connection with the acceptance or administration of
the trust or trusts hereunder, including the costs and expenses (including
reasonable legal fees and expenses) of defending itself against, or
investigating, any claim or liability in connection with the exercise or
performance of any of its powers or duties hereunder. The obligation to
indemnify as set forth in this Section 8.2 shall survive the termination of this
Preferred Securities Guarantee.

                                   ARTICLE IX
                                  MISCELLANEOUS

         Section 9.1. SUCCESSORS AND ASSIGNS. All guarantees and agreements
contained in this Preferred Securities Guarantee shall bind the successors,
assigns, receivers, trustees and representatives of the Guarantor and shall
inure to the benefit of the Holders of the Preferred Securities then
outstanding.

         Section 9.2. AMENDMENTS. Except with respect to any changes that (a) do
not materially adversely affect the rights of Holders, (b) in the judgment of
the Guarantor are necessary to preserve the Tier 1 capital treatment of the
Preferred Securities under the capital adequacy rules and/or guidelines of any
foreign, federal or state banking regulator having jurisdiction over the
Guarantor or any of its Affiliates or (c) in the judgment of the Guarantor are
necessary to preserve the status of any of its subsidiaries as an entity exempt
from the reporting requirements of any federal securities laws (in the case of
any such changes, no consent of Holders will be required), this Preferred
Securities Guarantee may only be amended with the prior approval of the Holders
of at least a Majority in liquidation amount of the Preferred Securities. The
provisions of Article VI of the Trust

                                      -17-

<PAGE>

Agreement with respect to meetings of Holders of the Preferred Securities apply
to the giving of such approval.

         Section 9.3. NOTICES. All notices provided for in this Preferred
Securities Guarantee shall be in writing, duly signed by the party giving such
notice, and shall be delivered, telecopied or mailed by registered or certified
mail, as follows:

         (a) If given to the Preferred Guarantee Trustee, at the Preferred
Guarantee Trustee's mailing address set forth below (or such other address as
the Preferred Guarantee Trustee may give notice of to the Holders of the
Preferred Securities):

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

         (b) If given to the Guarantor, at the Guarantor's mailing address set
forth below (or such other address as the Guarantor may give notice of to the
Holders of the Preferred Securities):

              RBC Centura Banks, Inc.
              1417 Centura Highway
              Rocky Mount, North Carolina  27804
              Attention:  Elizabeth Edelman

         (c) If given to any Holder of Preferred Securities, at the address set
forth on the books and records of the Trust.

         All such notices shall be deemed to have been given when received in
person, telecopied with receipt confirmed, or mailed by first class mail,
postage prepaid except that if a notice or other document is refused delivery or
cannot be delivered because of a changed address of which no notice was given,
such notice or other document shall be deemed to have been delivered on the date
of such refusal or inability to deliver.

         Section 9.4. BENEFIT. This Preferred Securities Guarantee is solely for
the benefit of the Holders of the Preferred Securities and, subject to Section
3.1(a), is not separately transferable from the Preferred Securities.

         Section 9.5. GOVERNING LAW. THIS PREFERRED SECURITIES GUARANTEE SHALL
BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAWS OF
THE STATE OF NEW YORK.

                                      -18-

<PAGE>

         This Preferred Securities Guarantee is executed as of the day and year
first above written.

                                  RBC CENTURA BANKS, INC., as Guarantor

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

                                  SUNTRUST BANK, as Preferred Guarantee Trustee

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

                                      -19-AGREEMENT AS TO EXPENSES AND LIABILITIES

         AGREEMENT AS TO EXPENSES AND LIABILITIES (this "Agreement") dated as of
August 13, 2002, between RBC Centura Banks, Inc., a North Carolina corporation
(the "Company"), and EBI Capital Trust I, a Delaware business trust (the
"Trust").

                                    RECITALS

         WHEREAS, the Trust issued its common securities (the "Common
Securities") to, and received 8.50% Subordinated Debentures due December 31,
2028 (the "Debentures") from, Eagle Bancshares, Inc., a Georgia corporation
("Eagle"), and issued and sold EBI Capital Trust I 8.50% Cumulative Trust
Preferred Securities (the "Preferred Securities") with such powers, preferences
and special rights and restrictions as are set forth in the Amended and Restated
Trust Agreement of the Trust dated as of July 29, 1998, as the same may be
amended from time to time (the "Trust Agreement");

         WHEREAS, Eagle has merged with and into RBC Centura Bank, a banking
corporation organized under the laws of the state of North Carolina and wholly
owned subsidiary of the Company (the "Bank");

         WHEREAS, the Bank, as successor to Eagle, directly or indirectly owns
all of the Common Securities of the Trust and has assumed Eagle's obligations to
the Trust under the Debentures;

         NOW, THEREFORE, for the benefit of its subsidiaries, the Bank and the
Trust, the Company hereby agrees with the Trust as follows:

                                    ARTICLE I

         Section 1.1 Guarantee by the Company. Subject to the terms and
conditions hereof, the Company hereby irrevocably and unconditionally guarantees
to each person or entity to whom the Trust is now or hereafter becomes indebted
or liable (the "Beneficiaries") the full payment when and as due, of any and all
Obligations (as hereinafter defined) to such Beneficiaries. As used herein,
"Obligations" means any costs, expenses or liabilities of the Trust other than
obligations of the Trust to pay to holders of any Preferred Securities or other
similar interests in the Trust the amounts due such holders pursuant to the
terms of the Preferred Securities or such other similar interests, as the case
may be. This Agreement is intended to be for the benefit of, and to be
enforceable by, all such Beneficiaries, whether or not such Beneficiaries have
received notice hereof.

         Section 1.2 Term of Agreement. This Agreement shall terminate and be of
no further force and effect upon the later of (a) the date on which full payment
has been made of all amounts payable to all holders of all the Preferred
Securities (whether upon redemption, liquidation, exchange or otherwise); and
(b) the date on which there are no

<PAGE>

Beneficiaries remaining; provided, however, that this Agreement shall continue
to be effective or shall be reinstated, as the case may be, if at any time any
holder of Preferred Securities or any Beneficiary must restore payment of any
sums paid under the Preferred Securities, under any obligation, under the
Preferred Securities Guarantee Agreement dated the date hereof by Company and
SunTrust Bank as guarantee trustee (the "Trustee"), the Preferred Securities
Guarantee Agreement dated July 29, 1998 by the Bank and the Trustee, or under
this Agreement for any reason whatsoever. This Agreement is continuing,
irrevocable, unconditional and absolute.

         Section 1.3 Waiver of Notice. The Company hereby waives notice of
acceptance of this Agreement and of any obligation to which it applies or may
apply, and Company hereby waives presentment, demand for payment, protest,
notice of nonpayment, notice of dishonor, notice of redemption and all other
notices and demands.

         Section 1.4 No Impairment. The obligations, covenants, agreements and
duties of the Company under this Agreement shall in no way be affected or
impaired by reason of the happening from time to time of any of the following:
(a) the extension of time for the payment by the Trust of all or any portion of
the obligations or for the performance of any other obligation under, arising
out of, or in connection with, the obligations; (b) any failure, omission, delay
or lack of diligence on the part of the Beneficiaries to enforce, assert or
exercise any right, privilege, power or remedy conferred on the Beneficiaries
with respect to the obligations or any action on the part of the Trust granting
indulgence or extension of any kind; or (c) the voluntary or involuntary
liquidation, dissolution, sale of any collateral, receivership, insolvency,
bankruptcy, assignment for the benefit of creditors, reorganization, arrangement
composition or readjustment of debt of, or other similar proceedings affecting,
the Trust or any of the assets of the Trust. There shall be no obligation of the
Beneficiaries to give notice to, or obtain the consent of, the Company with
respect to the happening of any of the foregoing.

         Section 1.5 Enforcement. A Beneficiary may enforce this Agreement
directly against the Company, and the Company waives any right or remedy to
require that any action be brought against the Trust or any other person or
entity before proceeding against the Company.

                                   ARTICLE II

         Section 2.1 Binding Effect. All guarantees and agreements contained in
this Agreement shall bind the successors, assigns, receivers, trustees and
representatives of the Company and shall inure to the benefit of the
Beneficiaries.

         Section 2.2 Amendment. So long as there remains any Beneficiary or any
Preferred Securities of any series are outstanding, this Agreement shall not be
modified or amended in any manner adverse to such Beneficiary or to the holders
of the Preferred Securities.

<PAGE>

         Section 2.3 Notices. Any notice, request or other communication
required or permitted to be given hereunder shall be given in writing by
delivering the same by facsimile transmission (confirmed by mail), telex, or by
registered or certified mail, addressed as follows (and if so given, shall be
deemed given when mailed or upon receipt of an answer back, if sent by telex):

         RBC CENTURA BANKS, INC.
         1417 Centura Highway
         Rocky Mount, North Carolina  27804

         EBI CAPITAL TRUST I
         4305 Lynburn Drive
         Tucker, Georgia  30084

         Section 2.4 Governing Law. This agreement shall be governed by and
construed and interpreted in accordance with the laws of the State of Georgia
(without regard to conflict of laws principles).

<PAGE>

         THIS AGREEMENT is executed as of the day and year first above written.

                                              RBC CENTURA BANKS, INC.

                                              By  /s/ H. Kel Landis, III
                                                  ------------------------------
                                                  Name:  H. Kel Landis, III
                                                  Title: Chief Executive Officer

                                              EBI CAPITAL TRUST I

                                              By  /s/ Elizabeth A. Edelman
                                                  ------------------------------
                                                  Name:  Elizabeth A. Edelman
                                                  Title: Administrative Trustee

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