Document:

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                         2004 EXECUTIVE INCENTIVE PLAN

                                 EXHIBIT 10.61
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                          WILMINGTON TRUST CORPORATION
                          2004 EXECUTIVE INCENTIVE PLAN

1. Purpose. The purpose of the Wilmington Trust Corporation (the "Company") 2004
Executive Incentive Plan (the "Incentive Plan") is to provide senior management
annual awards that recognize and reward the achievement of performance goals.

2. Effective Date of Plan. The Incentive Plan shall be effective as of January
1, 2004, but any payments under the Incentive Plan to individuals a portion of
whose compensation would be subject to Section 162(m) of the Internal Revenue
Code and the related regulations ("Section 162(m)") and that the Company desires
to deduct ("Section 162(m) Participants") shall be made contingent on the
Incentive Plan's approval by the Company's shareholders.

3. Plan Administrator. The Company's Compensation Committee shall administer the
Incentive Plan. The Compensation Committee consists of members appointed by the
Board of Directors from time to time. Each member of the Compensation Committee
shall be an "outside director" within the meaning of Section 162 (m). The
Compensation Committee shall have full power and authority, subject to the
provisions of the plan and applicable law, to (a) establish, amend, suspend, or
waive rules and regulations and appoint agents it deems necessary or advisable
for the plan's proper administration, (b) construe, interpret, and administer
the plan and any instrument or agreement relating to the plan, and (c) make all
other determinations and take all other actions necessary or advisable for the
plan's administration. Unless the Incentive Plan expressly provides otherwise,
each determination the Compensation Committee makes and each action it takes
pursuant to the plan or any instrument or agreement relating to the plan (x)
shall be within the Compensation Committee's sole discretion, (y) may be made at
any time, and (z) shall be final, binding, and conclusive for all purposes on
all persons, including participants in the plan, their legal representatives,
and beneficiaries and employees of the Company and its subsidiaries.

4. Eligibility. The Chief Executive Officer, the President, and other senior
officers of the Company and its subsidiaries are eligible to participate in the
Incentive Plan if the Compensation Committee designates them.

5. Awards.

     5.1 For each calendar year (a "Plan Year"), at such times as the
Compensation Committee determines, it shall establish the basis and terms of
participation of participants who are not Section 162(m) Participants. In doing
so, the Compensation Committee may establish one or more quantitative or
qualitative performance or other goals or criteria as the basis for awarding
executives bonuses under the Incentive Plan.

     5.2 For Section 162(m) Participants, within 90 days after the commencement
of each Plan Year, the Compensation Committee shall designate:

     a. The officers who will be deemed Section 162(m) Participants for that
     Plan Year;

     b. The Financial Criteria that will apply to awards to Section 162(m)
     Participants for the Plan Year; and

     c. The Performance Goals the Company must meet for Section 162(m)
     Participants to earn awards for the Plan Year and a payout matrix or
     formula for those Financial Criteria and Performance Goals.

     After the 90th day of a Plan Year, the Compensation Committee may designate
     newly-hired officers as participants in the Plan for that Plan Year. The
     Performance Goals for those additional Section 162(m) Participants will be
     established before 25%

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     of the days remaining in that partial Plan Year have expired.

     Any participant who terminates employment, either voluntarily or
     involuntarily, before awards are paid for a Plan Year will be ineligible
     for an award under the Plan. However, the Compensation Committee may, in
     its sole and complete discretion, determine to pay an award if termination
     was due to death, disability, retirement, or a Change in Control of the
     Corporation, but:

     x. No such payment shall be made to any participant for a Plan Year before
     awards for that Plan Year are payable generally; and

     y. No such payment shall be made to any Section 162(m) Participant unless
     the Performance Goals established for that participant have been attained.

     For purposes hereof, the term "Change in Control" means any of the events
     described below, directly or indirectly or in one or more series of
     transactions:

     (1) Approval by Wilmington Trust Company's ("WTC's") or the Company's
     stockholders of a consolidation or merger of WTC or the Company with any
     third party (including a single person or entity or a group of persons or
     entities acting in concert) not wholly-owned, directly or indirectly, by
     WTC or the Company (a "Third Party"), unless WTC or the Company is the
     entity surviving that merger or consolidation;

     (2) Approval by WTC's or the Company's stockholders of a transfer of all or
     substantially all of the assets of WTC or the Company to a Third Party or
     of a complete liquidation or dissolution of WTC or the Company;

     (3) Any person, entity, or group which is a Third Party, without prior
     approval of WTC's or the Company's Board of Directors, by itself or through
     one or more subsidiaries:

     (a) Acquires beneficial ownership of 15% or more of any class of WTC's or
         the Company's voting stock;

     (b) Acquires irrevocable proxies representing 15% or more of any class of
         WTC's or the Company's voting stock;

     (c) Acquires any combination of beneficial ownership of voting stock and
         irrevocable proxies representing 15% or more of any class of WTC's or
         the Company's voting stock;

     (d) Acquires the ability to control in any manner the election of a
         majority of WTC's or the Company's directors; or

     (e) Acquires the ability to exercise a controlling influence over the
         management or policies of WTC or the Company, directly or indirectly;
         or

     (4) Any election occurs of persons to the Company's Board of Directors that
     causes a majority of that Board of Directors to consist of persons other
     than (x) persons who were members of that Board of Directors on February
     29, 1996 (the "Effective Date") and/or (y) persons who were nominated for
     election as members of that Board of Directors by the Company's Board of
     Directors (or a committee thereof) at a time when the majority of that
     Board of Directors (or that committee) consisted of persons who were
     members of the Company's Board of Directors on the Effective Date. However,
     any person nominated for election by the Company's Board of Directors (or a
     committee thereof), a majority of whom are persons described in clauses (x)
     and/or (y), or are persons who were themselves nominated by that Board of
     Directors (or a committee thereof), shall be deemed for this purpose to
     have been nominated by a Board of Directors

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     composed of persons described in clause (x) above.

     However, a Change in Control shall not include any of the events described
     above if they (i) occur in connection with the appointment of a receiver or
     conservator for WTC or the Company, provision of assistance under Section
     13(c) of the Federal Deposit Insurance Act (the "FDI Act"), the approval of
     a supervisory merger, a determination that WTC is in default as defined in
     Section 3(x) of the FDI Act, insolvent or in an unsafe or unsound condition
     to transact business, or, with respect to any participant, the suspension,
     removal, and/or temporary or permanent prohibition by a regulatory agency
     of that participant from participating in WTC's or the Company's business
     or (ii) are the result of a Third Party inadvertently acquiring beneficial
     ownership or irrevocable proxies or a combination of both for 15% or more
     of any class of WTC's or the Company's voting stock, and that Third Party
     as promptly as practicable thereafter divests itself of the beneficial
     ownership or irrevocable proxies for a sufficient number of shares so that
     the Third Party no longer has beneficial ownership or irrevocable proxies
     or a combination of both for 15% or more of any class of WTC's or the
     Company's voting stock.

6. Financial Criteria. For each Plan Year, the Compensation Committee shall
designate one or more financial criteria (the "Financial Criteria") set forth in
this Section 6 for use in determining awards for Section 162(m) Participants for
that Plan Year. Financial Criteria shall consist of one or more of the following
financial measures: income, net income, growth in income or net income, earnings
per share, growth in earnings per share, cash flow measures, return on equity,
return on assets, return on investment, loan loss reserves, market share, fees,
growth in fees, assets, growth in assets, stockholder return, stock price,
achievement of balance sheet or income statement objectives, expenses, reduction
in expenses, chargeoffs, nonperforming assets, loan loss reserves, market share,
and overhead ratio. Any of the Financial Criteria may be company-wide or on a
departmental, divisional, regional, or individual basis. In addition, any of the
Financial Criteria may be measured in absolute terms, by reference to internal
performance targets, or as compared to another company or companies, and may be
measured by the change in that performance target compared to a previous period.
The Compensation Committee retains the discretion to determine whether an award
will be paid under any one or more of the Financial Criteria.

7. Performance Goals. For each Plan Year, the Compensation Committee shall
establish specific, objective performance goals (the "Performance Goals"), the
outcome of which is substantially uncertain at the time they are established,
for each of the Financial Criteria the Compensation Committee designates for
that Plan Year against which actual performance is to be measured to determine
the amount of awards to Section 162(m) Participants. Performance Goals the
Compensation Committee establishes may be described by means of a matrix or
formula providing for goals resulting in the payment of awards under the plan.

8. Determination and Payment of Awards.

     8.1. As soon as practicable after the end of a Plan Year, the Compensation
Committee will determine the amount of the award each participant has earned.
For Section 162(m) Participants, that determination will be made based on
application of the criteria specified in Section 6. However, the Compensation
Committee may, in its sole and absolute discretion, reduce the amount that would
otherwise be payable under the Incentive Plan. Payments will be made promptly
after the Compensation Committee determines the amount of the awards unless
payment of an award has been deferred pursuant to Section 10.6. The Compensation
Committee's determination with respect to Section 162(m) Participants must
include its certification in writing that the Performance Goals and any other
terms of the award were satisfied. Minutes of the Compensation Committee's
meeting or

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any action by written consent shall satisfy the written certification
requirement.

      8.2. The Corporation shall pay awards under the Incentive Plan in cash,
stock, restricted stock, restricted stock units, "phantom stock" units, or other
types of awards valued in whole or in part by reference to, or otherwise based
on, shares of the Company's stock. Subject to the provisions hereof, the
Compensation Committee shall have the sole and absolute discretion to determine
the persons to whom and the time or times at which those awards are made, the
number of shares to be granted pursuant thereto, if any, and all other
conditions of those awards. Any award other than cash shall be confirmed by an
award agreement. The award agreement shall contain provisions the Compensation
Committee determines are necessary or appropriate to carry out the intent hereof
with respect to the award. Any awards may be represented in whole or in part by
certificated shares or uncertificated shares, at the Compensation Committee's
sole discretion. The Compensation Committee may grant awards in respect of up to
a total of 300,000 shares of stock under the Incentive Plan.

8.3. Notwithstanding anything to the contrary contained herein, the maximum
dollar amount with respect to which awards may be granted under the Incentive
Plan for any Plan Year to any participant may not exceed $3,000,000.

8.4. In addition to the terms and conditions specified in the award agreement,
awards shall be subject to the following:

     (a) Any shares subject to awards may not be sold, assigned, transferred,
pledged, or otherwise encumbered before the date on which those shares are
issued or, if later, the date on which any applicable restriction, performance,
or deferral period lapses;

     (b) If specified in the award agreement, the recipient of an award shall be
entitled to receive, currently or on a deferred basis, dividends or dividend
equivalents with respect to the shares covered by that award, and the
Compensation Committee may, in its sole and absolute discretion, provide in the
award agreement that those amounts be reinvested in additional shares;

     (c) The award agreement shall contain provisions dealing with the
disposition of the award in the event of the termination of the participant's
employment before the exercise, realization, or payment of the award. The
Compensation Committee may, in its sole and absolute discretion, waive any of
the restrictions imposed with respect to any award; and

     (d) Shares issued as a bonus pursuant hereto shall be issued for the
consideration the Compensation Committee determines is appropriate, in its sole
and absolute discretion, but rights to purchase shares shall be priced at least
100% of the market value per share on the date the award is granted.

9. Taxes. If the Compensation Committee deems it necessary or desirable, the
Company shall be entitled to withhold (or secure payment from a participant in
lieu of withholding) the amount of any withholding or other tax required by law
to be withheld or that the Company pays (1) with respect to any amount payable
and/or shares issuable under that participant's award or (2) with respect to any
income recognized upon the lapse of restrictions applicable to an award. The
Company may defer payment or issuance of the cash, shares or units upon the
grant, exercise or vesting of an award unless indemnified to its satisfaction
against any liability for that tax. The Compensation Committee or its delegate
shall determine the amount of that withholding or tax payment. The participant
shall make that payment at the time the Compensation Committee determines. In
each award agreement, the Compensation Committee shall prescribe one or more
methods by which the participant may satisfy his or her tax withholding
obligation. This may include the participant's paying the Company cash or shares
of the Company's stock or the Company's withholding from the award, at the
appropriate time, a number of shares sufficient to satisfy those tax withholding
requirements, based on the market value per share of those shares. In its sole
and absolute discretion, the Compensation Committee may establish rules and
procedures

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relating to any withholding methods it deems necessary or appropriate. These may
include rules and procedures relating to elections by participants who are
subject to Section 16 of the Securities Exchange Act to have shares withheld
from an award to meet those withholding obligations.

Termination, Suspension, or Modification of the Plan. The Board of Directors may
at any time, with or without notice, terminate, suspend, or modify the Incentive
Plan in whole or in part. The Board of Directors shall not amend the Incentive
Plan in violation of law or in contravention of Section 162(m). The Compensation
Committee may make any amendments to the Incentive Plan not in violation of law
required to conform the Incentive Plan to the requirements of Section 162 (m).
The Compensation Committee also may correct any defect, supply any omission, or
reconcile any inconsistency in the Incentive Plan in the manner and to the
extent it deems desirable to carry the Incentive Plan into effect.

Miscellaneous.

     11.1. No award under the Incentive Plan shall be subject in any manner to
anticipation, alienation, sale, transfer, assignment, pledge, encumbrance,
charge, garnishment, execution, or levy of any kind, either voluntary or
involuntary, including any liability which is for alimony or other payment for
the support of a spouse or former spouse, or for any other relative of a
participant, prior to actually being received by the participant or his or her
designated beneficiary. Any attempt to anticipate, alienate, sell, transfer,
assign, pledge, encumber, charge, or otherwise dispose of any right to an award
hereunder shall be void.

     11.2. Neither the adoption of the Incentive Plan, the determination of
eligibility to participate in the Incentive Plan, nor the granting of an award
under the Incentive Plan shall confer upon any participant any right to continue
in the employ of the Company or any of its subsidiaries or interfere in any way
with the right of the Company or its subsidiaries to terminate that employment
at any time.

     11.3. The Incentive Plan and all determinations under it shall be governed
by and construed in accordance with Delaware law, other than the conflict of law
provisions of those laws, and except as that law is superseded by federal law.

     11.4. The existence of outstanding awards shall not affect the right of the
Company or its shareholders to make or authorize any and all adjustments,
recapitalizations, reclassifications, reorganizations, and other changes in the
Company's capital structure, the Company's business, any merger or consolidation
of the Company, any issue of bonds, debentures, or preferred stock, the
Company's liquidation or dissolution, any sale or transfer of all or any part of
the Company's assets or business, or any other corporate act or proceeding,
whether of a similar nature or otherwise.

     The number and kind of shares subject to outstanding awards, the purchase
or exercise price of those awards, and the number and kind of shares available
for awards subsequently granted shall be adjusted appropriately to reflect any
stock dividend, stock split, combination or exchange of shares, merger,
consolidation, or other change in capitalization with a similar substantive
effect on the Incentive Plan or awards granted hereunder. The Compensation
Committee shall have the power and sole and absolute discretion to determine the
nature and amount of the adjustment to be made in each case. However, in no
event shall any adjustment be made under the provisions of this Section 11.4 to
any outstanding award if an adjustment has been made or will be made to the
shares of the Company's stock awarded to a participant in that person's capacity
as a shareholder.

     If the Company is merged or consolidated with another entity and the
Company is not the surviving entity, or if the Company is liquidated or sells or
otherwise disposes of all or substantially all of its assets to another entity
while unexercised awards remain outstanding, then (a) subject to the provisions
of Section 11.4(b) below, after the effective date of that merger,
consolidation, liquidation, or sale, each

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holder of an outstanding award hereunder shall be entitled to receive, upon
exercise or vesting of that award in lieu of shares, other stock or other
securities as the holders of shares of the Company's stock received in the
merger, consolidation, liquidation, or sale; and (b) the Compensation Committee
may cancel all outstanding awards as of the effective date of that merger,
consolidation, liquidation, or sale, provided that (i) notice of that
cancellation has been given to each holder of an award and (ii) in addition to
any rights he or she may have under Section 5.2 above, each holder of an
outstanding award hereunder shall have the right to that award or the exercise
in full, without regard to any limitations set forth in or imposed pursuant
hereto or contained in the award agreement, during a 30-day period preceding the
effective date of the merger, consolidation, liquidation, or sale. The exercise
and/or vesting of any award that was permissible solely because of this Section
11.4 (b)(ii) shall be conditioned on consummation of the merger, consolidation,
liquidation, or sale shall terminate as of that date.

     If the Company is consolidated or merged with another entity under
circumstances in which the Company is the surviving entity, and its outstanding
shares are converted into shares of a third entity, a condition to the merger or
consolidation shall be that the third entity succeed to the Company's rights and
obligations hereunder, and that the Incentive Plan be administered by a
committee of the Board of that entity.

     Comparable rights shall accrue to each participant in the event of
successive reorganizations, mergers, consolidations, or other transactions
similar to those described above.

     Except as expressly provided herein, the Company's issuance of shares or
any other securities for cash, property, labor, or services, either upon direct
sale, the exercise of rights or warrants to subscribe therefor, or conversion of
shares or obligations of the Company convertible into shares or other securities
shall not affect, and no adjustment by reason thereof shall be made with respect
to, the number, class, or price of shares then subject to awards outstanding.

     After any reorganization, merger, or consolidation in which the Company or
one of its subsidiaries or affiliates is a surviving entity, the Compensation
Committee may grant substituted awards replacing old awards granted under a plan
of another party to the reorganization, merger, or consolidation whose stock
subject to the old options or awards may no longer be issued following that
reorganization, merger, or consolidation. The Compensation Committee shall
determine the foregoing adjustments and the manner in which the foregoing
provisions are applied in its sole and absolute discretion. Any of those
adjustments may provide for eliminating any fractional shares of the Company's
stock that might otherwise become subject to any awards.

     11.5. Nothing in the Incentive Plan shall be construed as limiting the
authority of the Compensation Committee, the Board of Directors, the Company, or
any subsidiary of the Company to establish any other compensation plan or as in
any way limiting its or their authority to pay bonuses or supplemental
compensation to any persons employed by the Company or a subsidiary of the
Company, whether that person is a participant and regardless of how the amount
of that compensation or bonus is determined.

     11.6. A participant may elect to defer payment of his or her award under
the Incentive Plan if deferral of the award under the Incentive Plan is
permitted pursuant to the terms of a deferred compensation program of the
Company existing at the time the election to defer is permitted to be made and
the participant complies with the terms of that program.

     11.7. It is the Company's intention that all payments made under the
Incentive Plan to Section 162(m) Participants shall constitute
"performance-based compensation" as that term is defined for purposes of Section
162 (m). Accordingly, unless the Board of Directors determines otherwise, if any
provision of the

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Incentive Plan is found not to be in compliance with that provision, that
provision shall be deemed amended so that the provision does comply to the
extent permitted by law. In every event, the Incentive Plan shall be construed
in favor of those payments meeting the "performance-based compensation"
exception contained in Section 162(m). Notwithstanding anything to the contrary
contained herein, the Compensation Committee retains discretion to grant awards
hereunder that do not comply with Section 162(m).

11.8. a. "Cause" means, with respect to a participant who is an employee of the
Company or one of its subsidiaries or affiliates or who is a consultant,
termination for, as the Compensation Committee determines in its sole and
absolute discretion, the participant's personal dishonesty, willful misconduct,
breach of fiduciary duty involving personal profit, intentional failure to
perform stated duties, willful violation of any law, rule, or regulation (other
than traffic violations or similar offenses), or a final cease-and-desist order.

      b. "Disability" means any physical or mental injury or disease of a
permanent nature that renders a participant incapable of meeting the
requirements of the employment or other work the participant performed
immediately before that disability commenced. The Compensation Committee or its
designee shall make the determination of whether a participant is disabled and
when the participant becomes disabled in its sole and absolute discretion.

      c. "Normal Retirement Date" means the date on which a participant
terminates active employment with the employer he or she was employed with when
he or she was last granted awards on or after attaining age 65, but does not
include termination for Cause.

      d. "Other Retirement Date" means a date, on or after a participant attains
age 55 but earlier than the participant's Normal Retirement Date, that the
Compensation Committee in its sole and absolute discretion approves and
designates to be the date upon which a participant retires for purposes hereof,
but does not include termination for Cause.

                                       7<PAGE>
PURCHASE AGREEMENT AMONG BALENTINE HOLDINGS, INC., ROBERT M. BALENTINE, B.
CLAYTON ROLADER, JEFFREY P. ADAMS, ROBERT E. REISER JR., GARY B. MARTIN, WESLEY
A. FRENCH, MICHAEL E. WOLF, THE 1999 BALENTINE FAMILY TRUST, THE ROBERT M.
BALENTINE INSURANCE TRUST, MARCIA M. MURRAY, S. BRITTAIN ELLIS PRIGGE, DORSEY D.
FARR, WILMINGTON TRUST COMPANY AS TRUSTEE OF THE GRIFFIN TRUST, SOUTHERN
HIGHLANDS RESERVE, INC., WT INVESTMENTS, INC. AND WILMINGTON TRUST CORPORATION
DATED AS OF JUNE 30, 2004

                                 EXHIBIT 10.62

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                               PURCHASE AGREEMENT

                                      AMONG

                            BALENTINE HOLDINGS, INC.,

                              ROBERT M. BALENTINE,

                               B. CLAYTON ROLADER,

                                JEFFREY P. ADAMS,

                             ROBERT E. REISER, JR.,

                                 GARY B. MARTIN,

                                WESLEY A. FRENCH,

                                MICHAEL E. WOLF,

                        THE 1999 BALENTINE FAMILY TRUST,

                    THE ROBERT M. BALENTINE INSURANCE TRUST,

                                MARCIA M. MURRAY,

                            S. BRITTAIN ELLIS PRIGGE,

                                 DORSEY D. FARR,

            WILMINGTON TRUST COMPANY AS TRUSTEE OF THE GRIFFIN TRUST,

                        SOUTHERN HIGHLANDS RESERVE, INC.,

                              WT INVESTMENTS, INC.

                                       AND

                          WILMINGTON TRUST CORPORATION

                            Dated as of June 30, 2004

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                                TABLE OF CONTENTS

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BACKGROUND.......................................................................    1

ARTICLE 1  DEFINITIONS...........................................................    1

ARTICLE 2  PURCHASE AND SALE OF THE LLC INTERESTS; CONSIDERATION.................    3

         2.1  Purchase and Sale of the LLC Interests ............................    3
         2.2  Consideration......................................................    4
         2.3  Relinquishment of Rights Under Merger Agreement....................    4
         2.4  Relinquishment of Rights Under LLC Agreement.......................    5
         2.5  Provisions Relating to BMI.........................................    5

ARTICLE 3  REPRESENTATIONS, WARRANTIES AND COVENANTS OF EACH PRINCIPAL...........    6

ARTICLE 4  REPRESENTATIONS AND WARRANTIES OF BALENTINE, WTI AND WTC..............    8

ARTICLE 5  CLOSING...............................................................    9

ARTICLE 6  CONDITIONS PRECEDENT TO AND OBLIGATIONS AT CLOSING....................    9

         6.1  Conditions to Obligations of Principals............................    9
         6.2  Conditions to Obligations of Balentine, WTI and WTC................    9
         6.3  Obligations of the Principals at Closing...........................    9
         6.4  Obligations of Balentine, WTI and WTC at Closing...................    9

ARTICLE 7  INDEMNIFICATION.......................................................   10

         7.1  Indemnification by the Principals..................................   10
         7.2  Indemnification by Balentine, WTI and WTC..........................   10
         7.3  Limitation.........................................................   10
         7.4  Defense of Claims..................................................   10
         7.5  Prompt Payment.....................................................   12
         7.6  Sole Remedy........................................................   12
         7.7  Certain Reductions; Subrogation....................................   12

ARTICLE 8  MISCELLANEOUS.........................................................   12

         8.1  Survival of Representations, Warranties and Covenants..............   12
         8.2  Waivers............................................................   12
</TABLE>

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                                                                                   PAGE
<S>                                                                                <C>
         8.3  Modifications.....................................................    13
         8.4  Further Assurances................................................    13
         8.5  Governing Law; Consent to Jurisdiction............................    13
         8.6  Notices...........................................................    13
         8.7  Assignability.....................................................    14
         8.8  Captions..........................................................    14
         8.9  Number and Gender.................................................    15
         8.10  Severability.....................................................    15
         8.11  Counterparts.....................................................    15
         8.12  Principals' Representative.......................................    15
</TABLE>

Exhibit A     Closing Certificate of Balentine, WTI and WTC
Exhibit B     Closing Certificate of the Principals
Exhibit C     Wire Transfer Instructions
Exhibit D     Principals' Representative Agreement

Schedule 1    Schedule of Each Principal's Ownership of Minority Interest in LLC
Schedule 2    Schedule of Each Initial Principal's Right to Purchase Price under
              Merger Agreement
Schedule 3    Schedule of Each Principal's Right to Cash

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                               PURCHASE AGREEMENT

     THIS PURCHASE AGREEMENT (the "Agreement") is dated as of June 30, 2004
among Balentine Holdings, Inc., a Georgia corporation ("Balentine"), Robert M.
Balentine, B. Clayton Rolader, Jeffrey P. Adams, Robert E. Reiser, Jr., Gary B.
Martin, Wesley A. French, Michael E. Wolf, The 1999 Balentine Family Trust, the
Robert M. Balentine Insurance Trust (those individuals and trusts are sometimes
collectively referred to herein as the "Initial Principals), Marcia M. Murray,
S. Brittain Ellis Prigge, Dorsey D. Farr, Wilmington Trust Company as Trustee of
The Griffin Trust, Southern Highlands Reserve, Inc. (those individuals and
entities and the Initial Principals are sometimes collectively referred to
herein as the "Principals"), WT Investments, Inc., a Delaware corporation
("WTI"), and Wilmington Trust Corporation, a Delaware corporation ("WTC").

                                   BACKGROUND

     A.   Balentine, the Initial Principals, WTI and WTC are parties to a Merger
Agreement dated as of October 23, 2001, as amended (the "Merger Agreement"). All
of the parties are parties to an Amended and Restated Limited Liability Company
Agreement dated as of January 2, 2002, as amended (the "LLC Agreement"). Under
the Merger Agreement, the Initial Principals are entitled to certain payments of
WTC stock in 2005, 2006 and 2007. Under the LLC Agreement, the Principals are
entitled to certain payments relating to their limited liability company
interests (the "LLC Interests") in Balentine Delaware Holding Company, LLC (the
"LLC") and the transfer or sale thereof in the future. The LLC Interests owned
by each Principal as of the date hereof are severally set forth on Schedule 1
attached hereto.

     B.   The parties desire to accelerate the remaining payments to which the
Initial Principals may become entitled under the Merger Agreement, and the
Principals desire to sell to Balentine and Balentine desires to purchase from
the Principals the LLC Interests.

     NOW, THEREFORE, in consideration of the foregoing, the mutual covenants
contained herein and other good and valuable consideration, the receipt and
sufficiency of which hereby are acknowledged, the parties hereto, intending to
be legally bound hereby, agree as follows:

                                    ARTICLE 1
                                   DEFINITIONS

Capitalized terms used in this Agreement and not otherwise defined herein shall
have the meaning set forth below.

     a.   "Act" has the meaning assigned to that term in Section (c)(1) of
          Article 3.

     b.   "BMI" means Balentine Management, Inc., a Delaware corporation.

                                       1
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     c.   "Capital Account" means, with respect to any Principal, the Capital
Account established and maintained for that Principal on the LLC's books in
accordance with Section 1.704(b)(2)(iv) of the Treasury Regulations.

     d.   "Closing" and "Closing Date" have the meanings assigned to those terms
in Section 2.1.

     e.   "Common Stock" means common stock of WTC, par value $1.00 per share.

     f.   "Encumbrances" has the meaning of assigned to that term in Section
2.1.

     g.   "Existing Fund" means any one of Balentine U.S. Small Cap Equity Fund,
L.P. (Distribution Class), Balentine U.S. Small Cap Equity Fund, L.P. (Retention
Class), Balentine U.S. Small Cap Equity Fund Select, L.P. (Distribution Class),
Balentine U.S. Small Cap Equity Fund Select, L.P. (Retention Class), Balentine
U.S. Mid Cap Equity Fund, L.P. (Distribution Class), Balentine U.S. Mid Cap
Equity Fund, L.P. (Retention Class), Balentine U.S. Mid Cap Equity Fund Select,
L.P. (Distribution Class), Balentine U.S. Mid Cap Equity Fund Select, L.P.
(Retention Class), Balentine U.S. Large Cap Equity Fund, L.P. (Distribution
Class), Balentine U.S. Large Cap Equity Fund, L.P. (Retention Class), Balentine
U.S. Large Cap Equity Fund Select, L.P. (Distribution Class), Balentine U.S.
Large Cap Equity Fund Select, L.P. (Retention Class), Balentine International
Equity Fund, L.P. (Distribution Class), Balentine International Equity Fund,
L.P. (Retention Class), Balentine International Equity Fund Select, L.P.
(Distribution Class), Balentine International Equity Fund Select, L.P.
(Retention Class), Balentine Hedge Fund II Select Limited Partnership, Balentine
Global Hedge Fund Limited Partnership, Balentine Global Hedge Fund Select
Limited Partnership, Balentine Global Equity Index Fund, L.P. (Retention Class),
Balentine Global Equity Index Fund, L.P. (Distribution Class), Balentine Global
Equity Index Fund Select, L.P. (Retention Class), Balentine Global Equity Index
Fund Select, L.P. (Distribution Class), Balentine Real Estate Fund Select, L.P.
(Retention Class) and/or Balentine Real Estate Fund Select, L.P. (Distribution
Class) and "Existing Funds" means all of those funds collectively.

     h.   "Indemnified Party" means a Person who is or may be entitled to
indemnification under Article 7.

     i.   "Indemnifying Party" or "Indemnifying Parties" means a Person who is
(or the Persons who are) or may be obligated to provide indemnification under
Article 7.

     j.   "Initial Principals" has the meaning assigned to that term in the
Preamble hereto.

     k.   "LLC" has the meaning assigned to that term in Recital A hereto.

     l.   "LLC Agreement" has the meaning assigned to that term in Recital A
hereto.

     m.   "LLC Interests" has the meaning assigned to that term in Recital A
hereto.

     n.   "Losses" has the meaning assigned to that term in Section 7.1.

                                       2
<PAGE>

     o.   "Majority Vote" means the written approval of, or the affirmative vote
by a majority in interest of, the Principals determined with reference to their
percentage ownership of the minority interests in the LLC Interests immediately
prior to the execution hereof.

     p.   "Merger Agreement" has the meaning assigned to that term in Recital A
hereto.

     q.   "Permitted Transferee" means, with respect to any natural person, the
parents, siblings, spouse, children (by birth or adoption) or spouses of
children of that person and any trust, partnership, limited partnership, limited
liability partnership or limited liability company created by or for one or more
of the aforementioned individuals of which a Principal is the voting trustee,
general partner, managing member or otherwise possesses the power to vote the
Common Stock held by that entity.

     r.   "Person" means any individual, partnership, limited liability company,
corporation, association, trust, joint venture or governmental, business or
other entity.

     s.   "Principals" has the meaning assigned to that term in the Preamble
hereto.

     t.   "Principals' Representative" has the meaning assigned to that term in
Section 8.12.

     u.   "Principals' Representative Agreement" has the meaning assigned to
that term in Section 8.12.

     v.   "Subsidiary" means any Person of which (1) more than 25% of either the
equity interests or the voting control is, directly or indirectly, through
Subsidiaries or otherwise, beneficially owned by that Person or (2) the LLC or
that Person either serves as the general partner or managing member.

     w.   "Treasury Regulations" means the income tax regulations, including
temporary regulations, promulgated under the Internal Revenue code of 1986, as
those regulations may be amended from time to time (including corresponding
provisions of succeeding regulations).

     x.   "Undertaking" has the meaning assigned to that term in Section 2.5.

                                    ARTICLE 2
              PURCHASE AND SALE OF THE LLC INTERESTS; CONSIDERATION

     2.1  Purchase and Sale of the LLC Interests. In exchange for the
consideration specified herein, and upon and subject to the terms and conditions
of this Agreement, at the closing of the transactions contemplated hereby (the
"Closing"), the Principals shall assign, transfer, convey and deliver all of the
LLC Interests to Balentine free and clear of any and all liens, claims, charges,
conditions, restrictions, security interests, equities or equitable interests,
proxies, pledges, options, escrows, rights of first refusal, mortgages,
indentures, security agreements or other agreements, arrangements, contracts,
commitments, understandings, adverse

                                       3
<PAGE>

claims, obligations or other encumbrances of any kind (including, without
limitation, any restriction on voting, transfer, receipt of income or exercise
of any other attributes of ownership whether written or oral and whether or not
relating in any way to credit or the borrowing of money) ("Encumbrances"). Each
Principal hereby acknowledges and agrees that, after the foregoing purchase and
sale, he, she or it will no longer have any right of ownership or other
beneficial interest (directly or indirectly) in or to the LLC. The date on which
Closing occurs is referred to herein as the "Closing Date." The Closing Date
shall be July 1, 2004 or such other date to which the parties mutually agree.

     2.2  Consideration.

          a.   As consideration for the Initial Principals' relinquishing their
rights to receive further payments of the purchase price under the Merger
Agreement, and subject to the terms and conditions and in reliance upon the
representations, warranties, covenants and agreements contained herein, at
Closing, Balentine shall pay and deliver to each Initial Principal or cause to
be paid and delivered to each Initial Principal the number of shares of Common
Stock set forth opposite that Principal's name on Schedule 2 attached hereto.

          b.   As consideration for the Principals' LLC Interests, and subject
to the terms and conditions and in reliance upon the representations,
warranties, covenants and agreements contained herein, at Closing, Balentine
shall pay and deliver or cause to be paid and delivered to each Principal the
cash set forth opposite that Principal's name on Schedule 3 attached hereto.

          c.   The parties acknowledge that the stock and cash described in
Sections 2.2(a) and 2.2(b) above represent the fair value for the Initial
Principals' relinquishing their rights to receive further payments of purchase
price under the Merger Agreement and the fair value for the Principals' selling
their LLC Interests, respectively, determined on an arms' length basis by
Balentine as a willing buyer, on the one hand, and the Initial Principals and
the Principals as willing sellers, on the other hand.

     2.3  Relinquishment of Rights Under the Merger Agreement. By his, her or
its execution hereof, except as otherwise provided in the following sentence,
each Initial Principal, Balentine, WTI and WTC hereby consent to the termination
of the Merger Agreement, effective as of the Closing, and, on behalf of himself,
herself or itself and his, her or its heirs, executors, administrators,
successors and assigns, relinquishes, upon that termination, any and all right,
title and interest thereunder, whether now or hereafter existing, including,
without limitation, under Section 3.1 thereof. Notwithstanding the foregoing or
anything to the contrary herein, the provisions of Sections 7.1, 7.2 and 8.2 of
the Merger Agreement shall survive the Closing. However, the Initial Principals
acknowledge that the Registration Statement on Form S-3 that was filed with the
Securities and Exchange Commission on January 4, 2002 will be amended to
continue to permit the resale of the Common Stock previously issued to the
Initial Principals under the Merger Agreement but not the Common Stock issuable
to the Initial Principals hereunder or in the future. WTC shall use its
reasonable best efforts to maintain that Registration Statement in effect to the
extent necessary to enable the Initial Principals to resell freely the Common
Stock previously issued to them under the Merger Agreement.

                                       4
<PAGE>

     2.4  Relinquishment of Rights Under LLC Agreement. By his, her or its
execution hereof, except as otherwise provided herein, each Principal hereby
relinquishes, effective as of the Closing, on behalf of himself, herself or
itself and his, her or its heirs, executors, administrators, successors and
assigns, any and all right, title and interest under the LLC Agreement
(including any interest in any Capital Account balance or right to receive
distributions associated with his, her or its LLC Interest), whether now or
hereafter existing, including, without limitation, under Section 5.2, 5.13,
Article 7 or Section 12.2(b) thereof. Without limiting the generality of the
foregoing:

          a.   Each Principal who is also a member of the Board of Managers, an
officer or the "tax matters partner" (or "tax matters member") of the LLC hereby
resigns all such positions effective as of Closing; and

          b.   Each Principal acknowledges that he, she or it shall no longer
have any right as a member or a manager of the LLC after Closing.

     By its execution hereof, except as otherwise specifically provided herein,
each of Balentine, WTI and WTC hereby relinquishes as to each Principal only, on
behalf of itself and its successors and assigns, any and all right, title and
interest under the LLC Agreement, effective as of the Closing, whether now or
hereafter existing; provided that nothing herein shall be deemed to affect the
existence of the LLC, terminate the LLC Agreement or in any manner restrict,
modify or alter any of Balentine's, WTI's or WTC's rights thereunder as to any
Person other than the Principals.

     Notwithstanding the foregoing or anything to the contrary herein:

          x.   Each Principal shall be entitled to a distribution under Section
6.3 of the LLC Agreement in respect of the second quarter of 2004, which shall
be paid in the ordinary course following Closing;

          y.   The provisions of Section 10.3 of the LLC Agreement shall survive
the Closing; and

          z.   Each Principal agrees that the provisions of Article 11 of the
LLC Agreement shall continue to apply to it following Closing as if it were a
member of the LLC following Closing.

     2.5  Provisions Relating to BMI. By his, her or its execution hereof, each
Principal hereby:

          a.   Resigns as a director and/or officer of BMI, as applicable;

          b.   Acknowledges that BMI's Bylaws may be changed, amended or
modified without his, her or its consent; and

                                       5
<PAGE>

          c.   Acknowledges that the undertaking of Balentine Holdings, Inc.
dated April 30, 2003 (the "Undertaking") may be rescinded, amended or modified
without his, her or its consent.

          In addition, each natural person Principal acknowledges that the
employment agreement to which he or she is a party with BMI remains in full
force and effect and is unaffected hereby.

                                    ARTICLE 3
           REPRESENTATIONS, WARRANTIES AND COVENANTS OF EACH PRINCIPAL

     As an inducement to each of Balentine, WTI and WTC to enter into this
Agreement and perform its obligations hereunder, each Principal hereby
represents, warrants and covenants to each of Balentine, WTI and WTC as follows:

     a.   Ownership; Authority. Each Principal owns the LLC Interest set forth
in Schedule 1 free and clear of any Encumbrances, except for restrictions
imposed by federal or applicable state securities laws. The LLC Interests
constitute all ownership and other beneficial interest each Principal has in the
LLC. Each Principal has all requisite power and authority to execute and deliver
this Agreement, perform his, her or its obligations hereunder and carry out the
transactions contemplated hereby. This Agreement constitutes the valid and
legally binding obligation of each Principal, enforceable against him, her or it
in accordance with its terms and conditions, except that (1) that enforcement
may be subject to applicable bankruptcy, reorganization, insolvency or other
similar laws affecting creditors' rights generally and (2) the remedies of
specific performance and injunctive and other forms of equitable relief may be
subject to equitable defenses and to the discretion of the court before which
any proceeding therefor may be brought.

     b.   Noncontravention. The execution, delivery and performance hereof by
each Principal and the consummation of the transactions contemplated hereby does
not and will not, with or without the giving of notice or the lapse of time, or
both, (1) violate any law, statute, rule, regulation or executive order to which
any Principal is subject (including, without limitation, applicable federal or
state banking, securities or corporation statutes and the rules and regulations
promulgated thereunder), (2) violate any judgment, order, writ or decree of any
court or regulatory body applicable to any of them or (3) result in the
violation of or conflict with any term, covenant, condition or provision of any
commitment, contract or other agreement or instrument to which any Principal is
a party or to which he, she or it or any of his, her or its assets is subject,
or otherwise require the consent of any third party that has not been obtained
or will not be obtained prior to Closing.

     c.   Investment Representations.

          (1)  Each Initial Principal will acquire the shares of Common Stock
issuable to him, her or it hereunder for his, her or its own account for
investment and not for sale or with a view to distribution thereof or with any
present intention of selling or distributing all or any part thereof. Each
Initial Principal acknowledges that the Common Stock has not been registered

                                       6
<PAGE>

under the Securities Act of 1933, as amended (the "Act"), or the securities laws
of any state or other jurisdiction, and cannot be disposed of unless registered
under the Securities Act and any applicable state laws or an exemption from that
registration is available. Each Initial Principal agrees not to sell, transfer,
hypothecate, pledge or alienate any of the Common Stock he, she or it receives
hereunder for at least three years after the date hereof and thereafter only in
compliance with applicable federal and state laws, and acknowledges that the
shares of Common Stock he, she or it receives hereunder will bear a legend
reflecting those restrictions. Notwithstanding the preceding sentence, an
Initial Principal may transfer all or any portion of the Common Stock issuable
to him, her or it hereunder to one or more Permitted Transferees who agree to be
bound by the terms and conditions hereof; provided that any such transfer to a
Permitted Transferee must constitute a bona fide gift from the Initial
Principal.

          (2)  Each Initial Principal is sufficiently knowledgeable and
experienced in making investments of this type as to be able to evaluate the
risks and merits of his, her or its investment in those shares of Common Stock
and is able to bear the economic risk of his, her or its investment in the
Common Stock.

          (3)  Each Initial Principal is an "accredited investor" within the
meaning of Rule 501(a) under the Securities Act.

          (4)  Each Initial Principal acknowledges that he, she or it has
received (A) WTC's 2003 annual report prepared in accordance with Rule 14a-3
under the Exchange Act, (B) WTC's Form 10-K for the year ended December 31,
2003; (C) WTC's definitive proxy statement for its 2004 annual shareholders'
meeting; (D) WTC's Form 10-Q for the quarter ended March 31, 2004; (E) all other
reports and statements filed by WTC with the SEC under Sections 13(a), 14(a),
14(c) or 15(d) of the Exchange Act since December 31, 2003; (F) the description
of the Common Stock contained in pages 27 through 29 of the proxy statement of
Wilmington Trust Company dated March 25, 1991; and (G) the description of WTC's
preferred stock purchase rights contained in WTC's Registration Statement on
Form 8-A filed on January 28, 1995. Each Initial Principal acknowledges that he,
she or it has been provided with an opportunity to review each exhibit to each
of the documents described in this Section (c)(4) of Article 3 a reasonable time
prior to the date of this Agreement.

          (5)  Each Initial Principal acknowledges that he, she or it has been
provided with an opportunity to ask questions of and receive answers concerning
the terms and conditions of the offering of Common Stock in connection with this
transaction and to obtain any additional information that WTC possesses or can
acquire without unreasonable effort or expense that is necessary to verify the
information furnished pursuant to Section (c)(4) of Article 3.

          (6)  Each Initial Principal acknowledges that his or her residence or
its principal business address is set forth under his, her or its name on the
signature pages hereto.

                                       7
<PAGE>

                                    ARTICLE 4
                        REPRESENTATIONS AND WARRANTIES OF
                             BALENTINE, WTI AND WTC

     As an inducement to the Principals to enter into this Agreement and perform
their obligations hereunder, each of Balentine, WTI and WTC represents and
warrants to the Principals as follows:

     a.   Organization and Authority. Balentine is a corporation duly organized,
validly existing and in good standing under Georgia law, WTI and WTC are
corporations duly organized, validly existing and in good standing under
Delaware law and each has the power and authority to execute and deliver this
Agreement, perform its obligations hereunder and carry out the transactions
contemplated hereby.

     b.   Due Authorization. The execution and delivery of this Agreement and
the consummation of the transactions contemplated hereby have been duly
authorized by the Board of Directors of each of Balentine, WTI and WTC, and the
resolutions adopted by the Board of Directors of each of Balentine, WTI and WTC
evidencing that authorization are duly and validly adopted, have not been
modified, revoked or rescinded in any respect and are in full force and effect.

     c.   Valid and Binding Agreement. This Agreement constitutes a valid and
binding agreement of each of Balentine, WTI and WTC enforceable against it in
accordance with its terms, except that (1) that enforcement may be subject to
applicable bankruptcy, reorganization, insolvency or other similar laws
affecting creditors' rights generally and (2) the remedies of specific
performance and injunctive and other forms of equitable relief may be subject to
equitable defenses and to the discretion of the court before which any
proceeding therefor may be brought.

     d.   Noncontravention. The execution, delivery and performance of this
Agreement by each of Balentine, WTI and WTC and the consummation of the
transactions contemplated hereby does not and will not, with or without the
giving of notice or the lapse of time, or both, (1) violate any provision of
law, statute, rule, regulation or executive order to which any of them is
subject (including, without limitation, applicable federal and state banking,
securities and corporation statutes and the rules and regulations promulgated
thereunder), (2) violate any judgment, order, writ or decree of any court or
regulatory body applicable to any of them or (3) result in the violation of or
conflict with any term, covenant, condition or provision of any commitment,
contract or other agreement or instrument to which any of them is a party or to
which any of them or any of their assets is subject, or otherwise require the
consent of any third party which has not been obtained or will not be obtained
prior to Closing.

     e.   Common Stock. Each of the shares of Common Stock to be issued by WTC
hereunder shall be duly authorized, validly issued, fully paid and
nonassessable, will be issued free and clear of any Encumbrances or preemptive
rights, and will be listed, subject to official notice of issuance, on the New
York Stock Exchange.

                                       8
<PAGE>

                                    ARTICLE 5
                                     CLOSING

     The Closing for the sale and purchase of the limited liability company
interests shall take place at the offices of the LLC, 3455 Peachtree Road, Suite
2000, Atlanta, Georgia 30326, or at such other place as the parties may mutually
agree. Balentine, WTI and WTC, on the one hand, and the Principals, on the other
hand, may mutually agree that the Closing may take place by telephone, facsimile
transmission or through the use of mail or an overnight delivery service.

                                    ARTICLE 6
               CONDITIONS PRECEDENT TO AND OBLIGATIONS AT CLOSING

     6.1 Conditions to Obligations of Principals. The obligations of the
Principals to effect the transactions contemplated hereby are subject to the
satisfaction of the conditions that the representations and warranties of
Balentine, WTI and WTC set forth herein shall be true and correct in all
material respects as of the date of this Agreement and as of the Closing Date as
though made on and as of the Closing Date, and the Principals shall have
received a certificate in the form of Exhibit A attached hereto, signed on
behalf of each such entity, to that effect. That certificate shall be deemed to
be a representation and warranty of each such entity as of the time immediately
preceding Closing.

     6.2 Conditions to Obligations of Balentine, WTI and WTC. The obligations of
Balentine, WTI and WTC to effect the transactions contemplated hereby are
subject to the satisfaction of the conditions that (a) the representations,
warranties and covenants of the Principals set forth herein shall be true and
correct in all material respects as of the date of this Agreement and as of the
Closing Date as though made on the Closing Date, and (b) Balentine, WTI and WTC
shall have received a certificate in the form of Exhibit B attached hereto,
signed by each Principal, to that effect. That certificate shall be deemed to be
a representation, warranty and covenant of each Principal as of the time
immediately preceding Closing.

     6.3 Obligations of the Principals at Closing. Effective on and after the
Closing Date, the Principals hereby assign and transfer, and are deemed to have
assigned and transferred, unto Balentine the LLC Interests and are deemed to
have irrevocably constituted and appointed the Secretary of the LLC as attorney
to transfer the LLC Interests on the books of the LLC with full power of
substitution in the premises.

     6.4 Obligations of Balentine at Closing. At Closing, Balentine shall
deliver or cause to be delivered the purchase price by delivering to each
Initial Principal the shares of Common Stock in the amount set forth opposite
that Initial Principal's name on Schedule 2 attached hereto and to each
Principal cash in the amount set forth opposite that Principal's name on
Schedule 3 attached hereto by wire transfer, or in such other form of
immediately available funds. If by wire transfer, the cash shall be delivered
pursuant to the instructions set forth in Exhibit C attached hereto.

                                       9
<PAGE>

                                    ARTICLE 7
                                 INDEMNIFICATION

     7.1 Indemnification by the Principals. Subject to the provisions of this
Article 7, each Principal shall defend, indemnify, save and hold Balentine, WTI
and WTC and their respective Affiliates, and the shareholders, directors,
officers, employees and agents of each of the foregoing, harmless from and
against any and all actions, suits, claims, proceedings, demands, assessments,
judgments, costs, losses, liabilities, damages, deficiencies and expenses
(including, without limitation, interest, penalties, reasonable attorneys' and
accountants' fees and all reasonable amounts paid in the investigation, defense
or settlement of any of the foregoing) (collectively, "Losses") incurred in
connection with, arising out of, or resulting from (a) any misrepresentation or
breach of any representation or warranty by any Principal herein or (b) any
breach of any covenant or agreement to be performed pursuant to this Agreement
by any of the Principals herein; provided that each Principal shall be obligated
to pay only that Principal's pro rata share of any such Losses. The pro rata
share shall be such Principal's ownership of the Principals' minority interest
in the LLC immediately prior to the execution hereof.

     7.2 Indemnification by Balentine, WTI and WTC. Subject to the provisions of
this Article 7, each of Balentine, WTI and WTC shall defend, indemnify, save and
hold the Principals harmless from and against any and all Losses incurred in
connection with, arising out of or resulting from any misrepresentation or
breach of any warranty, covenant or agreement by any of Balentine, WTI or WTC
herein.

     7.3 Limitation. No amount shall be recoverable under this Article 7 by
Balentine, WTI or WTC, on the one hand, or the Principals, on the other hand,
until the total amount of Losses suffered by them to date exceeds $10,000.
Further, the indemnification provided by Section 7.1 shall terminate one year
following the Closing and shall be limited to (a) an amount not exceeding the
amount of the total payments (including the fair market value of any Common
Stock on the date initially delivered) made to all of the Principals under
Section 2.2 and (b) with respect to each Principal, an amount not exceeding the
amount of the total payments (including the fair market value of any Common
Stock on the date initially delivered, if applicable) made under Section 2.2 to
that Principal.

     7.4 Defense of Claims. If any action, suit, claim, tax audit, proceeding,
demand, assessment or enforcement action is filed or initiated against an
Indemnified Party with respect to a matter subject to an indemnification claim
by that Indemnified Party, the Indemnified Party shall give written notice
thereof to the Indemnifying Party or Parties as promptly as practicable, and in
any event within 20 days after service of the citation or summons, but the
failure of an Indemnified Party to give timely notice shall not affect the
rights of that party to indemnification hereunder to the extent that that
failure does not prejudice the Indemnifying Party. After that notice and a
reasonable period of time to allow for analysis of the claim, if the
Indemnifying Party acknowledges in writing to the Indemnified Party that the
Indemnifying Party is obligated under the terms of its indemnity hereunder for
all liabilities of the Indemnified Party in connection with that action, suit,
claim, tax audit, proceeding, demand, assessment or enforcement action, the
Indemnifying Party shall be entitled, if it so elects and with counsel
reasonably satisfactory to the Indemnified Party, to take control of the defense
and investigation

                                       10
<PAGE>

of that action, suit, claim, tax audit, proceeding, demand, assessment or
enforcement action and to employ and engage attorneys to handle and defend the
same, at the Indemnifying Party's cost, risk and expense, except that, if the
Indemnifying Party elects not to assume that defense or counsel for the
Indemnified Party determines in good faith and advises the Indemnifying Party in
writing that there are issues that raise conflicts of interest between the
Indemnifying Party and the Indemnified Party, the Indemnified Party may retain
counsel satisfactory to him, her or it, and the Indemnifying Party shall pay all
reasonable fees and expenses of that counsel for the Indemnified Party promptly
as statements therefor are received; provided, however, that (1) the
Indemnifying Party shall be obligated pursuant to this Article 7 to pay for only
one firm of counsel (unless the use of one counsel for that Indemnified Party
would present that counsel with a conflict of interest) for all Indemnified
Parties in any jurisdiction and (2) the Indemnified Party cooperates in the
defense of any such matter. If the Indemnifying Party assumes the control of
that defense, the Indemnified Party must cooperate in all reasonable respects,
at the Indemnifying Party's request and cost, risk and expense, with the
Indemnifying Party and his, her or its attorneys in the investigation, trial and
defense of that action, suit, claim, tax audit, proceeding, demand, assessment
or enforcement action and any appeal arising therefrom; provided that the
Indemnified Party may, at his, her or its own cost, participate in the
investigation, trial and defense of that action, suit, claim, tax audit,
proceeding, demand, assessment or enforcement action and any appeal arising
therefrom. The Indemnifying Party shall keep the Indemnified Party apprised of
the status of the action, suit, claim, tax audit, proceeding, demand, assessment
or enforcement action, furnish the Indemnified Party with all documents and
information the Indemnified Party reasonably requests in connection therewith,
and consult with the Indemnified Party before acting on major matters involved
in that action, suit, claim, tax audit, proceeding, demand, assessment or
enforcement action, including settlement discussions. Unless the Indemnified
Party receives a complete release from all matters involved in the dispute, no
settlement of any action for which indemnification may be payable hereunder
shall be made without the prior written consent of the Indemnified Party, which
consent shall not be unreasonably withheld, delayed or conditioned. The
Indemnified Party shall be entitled to defend, settle or proceed in such other
manner as it deems fit, in its sole discretion, in connection with any action,
suit, claim, proceeding, demand, assessment or enforcement action with respect
to which the Indemnifying Party has not acknowledged its obligations in writing
in accordance with the foregoing; and no reasonable action taken by the
Indemnified Party in connection therewith shall affect or limit the obligations
of the Indemnifying Party pursuant to this Article 7.

     If the Indemnifying Party assumes the control of that defense as provided
above but subsequently, in the course of defending the matter, comes to believe
that the matter is not properly an obligation of that Indemnifying Party, the
Indemnifying Party may with reasonable promptness advise the Indemnified Party
of that new information. In that case, (a) if the Indemnified Party then agrees
with the Indemnifying Party, the Indemnifying Party and the Indemnified Party
shall make mutually satisfactory arrangements for the Indemnified Party to
assume the defense of that matter and to repay the Indemnifying Party for any
amounts reasonably expended by him, her or it pursuant to this Article 7 with
respect to that matter, and (b) if the Indemnified Party does not then agree
with the Indemnifying Party, the Indemnifying Party shall have the right to
commence legal proceedings to determine whether the matter is subject to
indemnification by the Indemnifying Party; provided that, in the case of clause
(b), the

                                       11
<PAGE>

Indemnifying Party shall continue to be obligated to defend the Indemnified
Party with respect to that matter and to otherwise make the payments required by
this Article 7 until that dispute is finally adjudicated by a court of competent
jurisdiction and all rights to appeal with respect thereto have expired.

     7.5 Prompt Payment. Any indemnity payable pursuant to this Article 7 shall
be paid within the later of ten days of the Indemnified Party's request therefor
or five days prior to the date on which the liability upon which the indemnity
is based is required to be paid by the Indemnified Party; provided that, if it
is finally determined by a court of competent jurisdiction and all rights to
appeal have expired that the Indemnifying Party is not liable under this Article
7 with respect to a Loss, nothing in this Section 7.5 shall give the Indemnified
Party any independent right to sue for a violation of this Agreement.

     7.6 Sole Remedy. After the Closing, each party's sole and exclusive remedy
for any breach of this Agreement by any other party shall be the provisions in
this Article 7; provided, however, that nothing set forth in this Article 7
shall be deemed to prohibit or limit any party's right at any time on or after
the Closing Date to seek injunctive or equitable relief for the failure of any
other party to perform any covenant or agreement contained herein or to seek any
other relief based upon fraud or intentional misrepresentation.

     7.7 Certain Reductions; Subrogation. All indemnification payments payable
hereunder shall be reduced by the amount of insurance proceeds received by the
Indemnified Party as a result of the Losses for which the Indemnified Party is
seeking indemnification. If an Indemnifying Party is obligated to indemnify an
Indemnified Party pursuant to this Article 7, the Indemnifying Party shall, upon
payment of that indemnity in full, be subrogated to all rights of the
Indemnified Party with respect to the Losses to which that indemnification
relates; provided that the Indemnifying Party shall only be subrogated to the
extent of any amount paid by it pursuant to this Article 7 in connection with
that Loss.

                                    ARTICLE 8
                                  MISCELLANEOUS

     8.1 Survival of Representations, Warranties and Covenants. The
representations and warranties contained herein and in any certificate or other
writing delivered pursuant hereto shall survive the Closing Date and the
consummation of the transactions contemplated hereby. Except as provided in
Article 7, all covenants herein not fully performed shall survive the Closing
Date and continue thereafter until performed fully.

     8.2 Waivers. Any waiver of any term or condition or of the breach of any
covenant, representation or warranty herein in any one instance shall not
operate as or be deemed to be a further or continuing waiver of any other breach
of that term, condition, covenant, representation or warranty or of any other
term, condition, covenant, representation or warranty. No failure or delay at
any time to enforce or require performance of any provision hereof shall operate
as a waiver of or affect in any manner a party's right at a later time to
enforce or require performance of that provision or any other provision hereof.
No such waiver, unless by its own terms it explicitly provides to the contrary,
shall be construed to effect a continuing waiver of the

                                       12
<PAGE>

provision being waived, and no such waiver in any instance shall constitute a
waiver in any other instance or for any other purpose or impair the right of the
party against whom that waiver is claimed in all other instances or for all
other purposes to require full compliance.

     8.3 Modifications. Except as otherwise expressly provided herein, neither
this Agreement (including the exhibits and schedules hereto) nor any term hereof
or thereof may be changed, amended, modified, waived, discharged or terminated
except to the extent the same is evidenced by the written consent of the party
against whom enforcement of that change or modification is sought.

     8.4 Further Assurances. Each party agrees to execute any and all additional
documents and instruments and to take any and all additional actions as any
other party may reasonably request in order to effectuate the terms and purposes
hereof and the transactions contemplated hereby.

     8.5 Governing Law; Consent to Jurisdiction. This Agreement shall be
construed under and governed by Georgia law, without giving effect to the choice
or conflicts of law provisions thereof. Each of Balentine, WTI and WTC hereby
agrees to submit to the jurisdiction of the courts of the State of Georgia and
the courts of the United States of America located in the Northern District in
the State of Georgia in any action or proceeding arising out of or relating to
this Agreement. Each Principal hereby agrees to submit to the jurisdiction of
the courts of the State of Delaware and to the courts of the United States of
America located in Delaware in any action or proceeding arising out of or
relating to this Agreement.

     8.6 Notices.

          a.   All notices, requests, demands and other communications required
or permitted under this Agreement shall be in writing and sent as provided in
Section 8.6(b) hereof:

          (1)  If to Balentine, WTI or WTC, to:

               Wilmington Trust Corporation
               Rodney Square North
               1100 North Market Street
               Wilmington, DE 19890

               Attention: David R. Gibson,
                          Executive Vice President

                                       13
<PAGE>

               with a copy to:

               Wilmington Trust Corporation
               Rodney Square North
               1100 North Market Street
               Wilmington, DE 19890

               Attention: Gerard A. Chamberlain
                          Vice President

          (2)  If to the Principals, to

               c/o Balentine Delaware Holding Company, LLC
               3455 Peachtree Road
               Suite 2000
               Atlanta, GA 30326

               with a copy to:

               Jeffrey P. Adams
               3455 Peachtree Road
               Suite 2000
               Atlanta, GA 30326

          b.   All notices and other communications required or permitted
hereunder that are addressed as provided in this Section 8.6, (1) if delivered
personally against proper receipt shall be effective upon delivery, if sent by
certified or registered mail with postage prepaid, shall be effective upon
receipt or (2) if sent by Federal Express or a similar nationally recognized
overnight courier service with courier fees paid by the sender, shall be
effective one business day after mailing. A party may change its address for the
purpose of notices to that party from time to time by a similar notice
specifying a new address, but no such change shall be deemed to have been given
unless it is sent and received in accordance with this Section 8.6.

     8.7 Assignability. Neither this Agreement nor any right or obligation
hereunder shall be assignable by any party to any other Person without the prior
written consent of the other parties, except that Balentine, WTI and/or WTC may,
with notice to the other parties, assign any or all of its interests herein and
its rights and obligations hereunder to any entity directly or indirectly wholly
owned by WTC, provided in every instance that Balentine, WTI and WTC shall
remain fully liable for all of their obligations hereunder following any such
assignment and shall in no way be released from this Agreement thereby. This
Agreement shall be binding upon, enforceable by and inure to the benefit of the
parties hereto and their respective successors and permitted assigns.

     8.8 Captions. The captions in this Agreement are for convenience only and
shall not affect the construction or interpretation of any term or provision
hereof.

                                       14
<PAGE>

     8.9 Number and Gender. Whenever used herein, the singular number shall
include the plural, the plural shall include the singular unless the context
otherwise requires and the use of any gender shall include all genders.

     8.10 Severability. The invalidity or unenforceability of any nonmaterial
provision of this Agreement shall not affect any other provision hereof, and
this Agreement shall be construed in all respects by interpreting that invalid
or unenforceable provision as nearly to the original meaning as possible so as
to make it valid and enforceable or, if that is not possible or permitted by
applicable law, by omitting that invalid or unenforceable provision.

     8.11 Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument.

     8.12 Principals' Representative. Each Principal has appointed Robert M.
Balentine as his or its representative, agent and attorney-in-fact ("Principals'
Representative") pursuant to an agreement in the form of Exhibit D ("Principals'
Representative Agreement") and has provided to the Principals' Representative
the full legal authority, capacity, and power to act on behalf of that Principal
with respect to any matters arising under this Agreement or in connection
therewith. Each of Balentine, WTI and WTC shall be entitled to rely, and shall
in no way be liable for relying, on the full legal authority, capacity, and
power of the Principals' Representative to act on behalf of each Principal with
respect to any matter arising hereunder or in connection herewith without
further inquiry. Each Principal shall hold each of Balentine, WTI and WTC
harmless from any liability or loss arising out of the reliance by any of them
on that power-of-attorney. If the Principals, by Majority Vote, provide each of
Balentine, WTI and WTC with 30 days' notice that Robert M. Balentine has been
terminated as Principals' Representative, Balentine, WTI and WTC shall cease to
rely on Robert M. Balentine as Principals' Representative and shall rely on any
successor Principals' Representative who those Principals so designate as the
new Principals' Representative.

                            [Signature Pages Follow.]

                                       15
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as
of the date first above written.

                                 BALENTINE HOLDINGS, INC.

                                 By: /s/ David R. Gibson                 (SEAL)
                                    ------------------------------------
                                    Name: David R. Gibson
                                    Title: Executive Vice President
                                    Address: Rodney Square North
                                             1100 North Market Street
                                             Wilmington, DE  19890

                                 /s/ Rober M. Balentine                  (SEAL)
                                 ---------------------------------------
                                 ROBERT M. BALENTINE
                                 Address: 3015 Andrews Drive
                                          Atlanta, GA  30305

                                 /s/ B. Clayton Rolader                  (SEAL)
                                 ---------------------------------------
                                 B. CLAYTON ROLADER
                                 Address: 5050 Riverview Road
                                          Atlanta, GA  30327

                                 /s/ Jeffrey P. Adams                    (SEAL)
                                 ---------------------------------------
                                 JEFFREY P. ADAMS
                                 Address: 901 Hawick Drive
                                          Atlanta, GA  30327

                                 /s/ Robert E. Reiser, Jr.               (SEAL)
                                 ---------------------------------------
                                 ROBERT E. REISER, JR.
                                 Address: 304 The Prado
                                          Atlanta, GA  30309

                                 /s/ Gary B. Martin                      (SEAL)
                                 ---------------------------------------
                                 GARY B. MARTIN
                                 Address: 116 Peachtree Battle Avenue
                                          Atlanta, GA  30305

                    [Signatures continue on following page.]

                                       16
<PAGE>

                   [Signatures continued from preceding page.]

                                 /s/ Wesley A. French                    (SEAL)
                                 ---------------------------------------
                                 WESLEY A. FRENCH
                                 Address: 3283 Wood Valley Road
                                          Atlanta, GA  30327

                                 /s/ Michael E. Wolf                     (SEAL)
                                 ---------------------------------------
                                 MICHAEL E. WOLF
                                 Address: 5398 Trowbridge Place
                                          Dunwoody, GA  30338

                                 THE 1999 BALENTINE FAMILY TRUST

                                 By: /s/ Jeffrey P. Adams
                                     --------------------
                                     Name: Jeffrey P. Adams
                                     Title: Trustee
                                     Address: 3455 Peachtree Road
                                              Suite 2000
                                              Atlanta, GA 30326

                                 THE ROBERT M. BALENTINE INSURANCE TRUST

                                 By: /s/ Lillian A. Balentine Law
                                     -----------------------------------
                                     Name: Lillian A. Balentine Law
                                     Title: Trustee
                                     Address: c/o Lillian A. Balentine Law
                                                  47 28th Street, NW
                                                  Atlanta, GA 30309

                    [Signatures continue on following page.]

                                       17
<PAGE>

                   [Signatures continued from preceding page.]

                                 /s/ Marcia M. Murray                    (SEAL)
                                 ---------------------------------------
                                 MARCIA M. MURRAY
                                 Address: 524 Ivy Place
                                          Atlanta, GA 30305

                                 /s/ S. Brittain Ellis Prigge            (SEAL)
                                 ---------------------------------------
                                 S. BRITTAIN ELLIS PRIGGE
                                 Address: 2557 Dellwood Drive
                                          Atlanta, GA  30305

                                 /s/ Dorsey D. Farr                      (SEAL)
                                 ---------------------------------------
                                 DORSEY D. FARR
                                 Address: 3955 North Ivy Road, N.E.
                                          Atlanta, GA  30342

                    [Signatures continue on following page.]

                                       18

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