0001193125-05-060403 Sample Contracts

GUARANTEE AGREEMENT by and between COLUMBIA BANCORP and WILMINGTON TRUST COMPANY Dated as of March 24, 2005
Guarantee Agreement • March 25th, 2005 • Columbia Bancorp • State commercial banks • New York

This GUARANTEE AGREEMENT (this “Guarantee”), dated as of March 24, 2005, is executed and delivered by Columbia Bancorp, a Maryland corporation (the “Guarantor”), and Wilmington Trust Company, a Delaware banking corporation, as trustee (the “Guarantee Trustee”), for the benefit of the Holders (as defined herein) from time to time of the Capital Securities (as defined herein) of Columbia Bancorp Statutory Trust III, a Delaware statutory trust (the “Issuer”).

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