0000931763-03-000769 Sample Contracts

SEVERANCE PROTECTION AND NON-COMPETITION AGREEMENT
Severance Protection and Non-Competition Agreement • March 31st, 2003 • Abc Bancorp • State commercial banks • Georgia

THIS SEVERANCE PROTECTION AND NON-COMPETITION AGREEMENT (the “Agreement”) made as of April 13, 1998, by and between ABC BANCORP (the “Company”), a Georgia corporation, and EDWIN W. HORTMAN, JR. (the “Executive”), an individual resident of the State of Georgia.

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INTERIM SERVICING AGREEMENT Between SOUTHLAND BANK and MBNA AMERICA BANK, N.A. DECEMBER 19, 2002
Interim Servicing Agreement • March 31st, 2003 • Abc Bancorp • State commercial banks • Delaware

THIS INTERIM SERVICING AGREEMENT (the “Agreement”) is entered into this 19th day of December, 2002, by and between MBNA America Bank, N.A., a national banking association, located at 1100 North King Street, Wilmington, Delaware 19884 (“Purchaser”) and Southland Bank, an Alabama state-chartered bank located at 3299 Ross Clark Circle, NW, Dothan, Alabama 36303 (“Seller”).

ABC BANCORP JOINT MARKETING AGREEMENT
Joint Marketing Agreement • March 31st, 2003 • Abc Bancorp • State commercial banks • Delaware

This Agreement is entered into as of this 19th day of December, 2002 by and between MBNA AMERICA BANK, N.A., a national banking association having its principal place of business in Wilmington, Delaware (“MBNA”), and ABC BANCORP, a Georgia corporation having its principal place of business in Moultrie, Georgia (“ABC”), for themselves and their respective successors and assigns.

ASSET PURCHASE AGREEMENT
Asset Purchase Agreement • March 31st, 2003 • Abc Bancorp • State commercial banks • Delaware

THIS ASSET PURCHASE AGREEMENT (the “Agreement”) is entered into as of this 19th day of December, 2002, by and between MBNA AMERICA BANK, N.A., a national banking association located at 1100 N. King Street, Wilmington, Delaware 19884 (“Purchaser”) and SOUTHLAND BANK, an Alabama state bank located at 3299 Ross Clark Circle, NW, Dothan, Alabama 36303 (“Seller”).

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