CEAD MILE FAILTE [Seal] EMERALD ISLE BANCORP, INC. NUMBER SHARES Common Stock See reverse for certain definitions CUSIP 290923 10 1 INCORPORATED UNDER THE LAWS OF THE COMMONWEALTH OF MASSACHUSETTS THIS CERTIFIES THAT IS THE OWNER OF FULLY-PAID AND NON-ASSESSABLE SHARES OF THE COMMON STOCK OF THE PAR VALUE OF $1.00 PER SHARE EACH OF EMERALD ISLE BANCORP, INC., transferable only on the books of the Corporation by the holder thereof in person, or by duly authorized attorney, upon the surrender of this certificate properly endorsed. The amount of the Common Stock of the Corporation and the par value of the shares thereof are set forth in the Articles of Organization of the Corporation and any amendments thereto, and said Articles as they may be amended are expressly incorporated herein by reference, to which the holder, by acceptance hereof, agrees and assents. This certificate is not valid until countersigned and registered by the Transfer Agent and Registrar. IN WITNESS WHEREOF, the Corporation has caused this certificate to be signed by the facsimile signatures of its duly authorized officers and sealed with the facsimile seal of the Corporation Dated: /s/ Gerard F. Linskey /s/ Mark A. Osborne TREASURER PRESIDENT COUNTERSIGNED AND REGISTERED: CHEMICAL MELLON SHAREHOLDER SERVICES, L.L.C. (RIDGEFIELD PARK, NJ) TRANSFER AGENT AND REGISTRAR BY AUTHORIZED SIGNATURE EMERALD ISLE BANCORP, INC. The Corporation is authorized to issue Common Stock, par value $1.00 per share, and Preferred Stock, par value $1.00 per share. The Articles of Organization give the Board of Directors the authority to determine and alter the rights, preferences, privileges and restrictions granted to or imposed upon the Preferred Stock authorized to be issued by the Corporation. A statement of the authorized classes and series of the Corporation's shares and of the rights, preferences, privileges and restrictions granted to or imposed thereon and upon the holders thereof will be furnished without charge to any stockholder upon request to the Secretary of the Corporation mailed to 730 Hancock Street, Quincy, Massachusetts 02170. The following abbreviations, when used in the inscription on the face of this certificate, shall be construed as though they were written out in full according to applicable laws or regulations: ADM Administrator(s) EX Executor(s) TEN ENT As tenants by the administratrix(ices) executrix(ices) entireties TR Trustee(s) COMM Committee(s) FBO For the benefit of UA Under Agreement GDN Guardian(s) UNIF GIFT Uniform Gifts to CONS Conservator(s) JT TEN As joint tenants with right MIN ACT Minors Act of survivorship and not as CUST Custodian tenants in common UW Under last will EST Estate TEN COM As tenants in common and testament Additional abbreviations may also be used though not in the above list. ASSIGNMENT FORM For value received_________hereby sell, assign and transfer____________shares (I or we) (amount) of the Capital Stock represented by this certificate to_________________________ PLEASE INSERT SOCIAL SECURITY OR OTHER IDENTIFYING NUMBER OF ASSIGNEE ______________________________________ ________________________________________________________________________________ (Print full name and address of Assignee including zip code) ________________________________________________________________________________ zip code Assignee and do irrevocably constitute and appoint______________________________ (Leave blank or fill in as explained in Notice below) as Attorney to transfer the said Stock on the books of the Corporation with full power of substitution. Dated:_____________________ X________________________________________ (Sign here exactly as name(s) is shown on the face of this certificate without any change or alteration whatever.) X________________________________________ (Sign here exactly as name(s) is shown on the face of this certificate without any change or alteration whatever.) NOTICE: The signature to this assignment must correspond to the name as written upon the face of this certificate, in every particular, without alteration or enlargement, or any change whatever. IMPORTANT NOTICE: When you sign your name to this Assignment Form without filling in the name of your "Assignee" or "Attorney", this stock certificate becomes fully negotiable, similar to a check endorsed in blank. Therefore, to safeguard a signed certificate, it is recommended that you either (i) fill in the name of the new owner in the "Assignee" blank, or (ii) if you are sending the signed certificate to your bank or broker, fill in the name of the bank or broker in the "Attorney" blank. Alternatively, instead of using this Assignment Form, you may sign a separate "stock power" form and then mail the unsigned stock certificate and the signed "stock power" in separate envelopes. For added protection, use certified or registered mail for a stock certificate.