Exhibit 1.1 FORM OF UNDERWRITING AGREEMENT for offering of ___% Capital Securities HIGHLANDS CAPITAL TRUST I (a Delaware Trust) ____% Capital Securities (the "Capital Securities") (Liquidation Amount of $1,000 per Capital Security) UNDERWRITING...Highlands Capital Trust I • October 15th, 1997 • State commercial banks • Virginia
BetweenGuarantee Agreement • October 15th, 1997 • Highlands Capital Trust I • State commercial banks • Virginia
toHighlands Capital Trust I • October 15th, 1997 • State commercial banks • Virginia
Exhibit 4.8 TRUST AGREEMENT This TRUST AGREEMENT, dated as of October 2, 1997 (this "Trust Agreement"), between (i) HIGHLANDS BANKSHARES, INC., a Virginia corporation (the "Depositor"), and (ii) WILMINGTON TRUST COMPANY, a Delaware banking corporation...Trust Agreement • December 29th, 1997 • Highlands Capital Trust I • State commercial banks • Delaware
betweenHighlands Capital Trust I • October 15th, 1997 • State commercial banks • Delaware
Exhibit 4.7 ESCROW AGREEMENT This Escrow Agreement made and entered into as of the __th day of ___________, 1997, by and among McKINNON & COMPANY, INC., a Virginia corporation (the "Underwriter"), HIGHLANDS CAPITAL TRUST I, a statutory business trust...Escrow Agreement • October 15th, 1997 • Highlands Capital Trust I • State commercial banks • Delaware
