0001157523-06-003280 Sample Contracts

Exhibit 10.2 ------------------------------------------------- GUARANTEE AGREEMENT by and between FOUR OAKS FINCORP, INC.
Guarantee Agreement • April 5th, 2006 • Four Oaks Fincorp Inc • State commercial banks • New York
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AMENDED AND RESTATED DECLARATION OF TRUST
Declaration of Trust • April 5th, 2006 • Four Oaks Fincorp Inc • State commercial banks • Delaware
FOUR OAKS FINCORP, INC., as Issuer INDENTURE Dated as of March 30, 2006
Indenture • April 5th, 2006 • Four Oaks Fincorp Inc • State commercial banks • New York
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