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
