0000927016-02-002585 Sample Contracts

EXHIBIT 4.14 GUARANTEE AGREEMENT

Guarantee Agreement • May 3rd, 2002 • Chittenden Capital Trust I • State commercial banks • New York

• Contract Type
  Guarantee Agreement
• Filed
  May 3rd, 2002
• Company
  Chittenden Capital Trust I
• Industry
  State commercial banks
• Jurisdiction
  New York

EXHIBIT 4.10 CHITTENDEN CAPITAL TRUST __ AMENDED AND RESTATED TRUST AGREEMENT

Trust Agreement • May 3rd, 2002 • Chittenden Capital Trust I • State commercial banks • Delaware

• Contract Type
  Trust Agreement
• Filed
  May 3rd, 2002
• Company
  Chittenden Capital Trust I
• Industry
  State commercial banks
• Jurisdiction
  Delaware

DECLARATION OF TRUST OF CHITTENDEN CAPITAL TRUST III

Declaration of Trust • May 3rd, 2002 • Chittenden Capital Trust I • State commercial banks

• Contract Type
  Declaration of Trust
• Filed
  May 3rd, 2002
• Company
  Chittenden Capital Trust I
• Industry
  State commercial banks

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Junior Subordinated Indenture • May 3rd, 2002 • Chittenden Capital Trust I • State commercial banks • New York

• Contract Type
  Junior Subordinated Indenture
• Filed
  May 3rd, 2002
• Company
  Chittenden Capital Trust I
• Industry
  State commercial banks
• Jurisdiction
  New York