Coastal Carolina Bancshares, Inc. Watch

from 10-Q 2 pages Coastal Carolina Bancshares, Inc. 2305 North Oak Street Myrtle Beach, Sc 29577 Scbt, N.A. 950 John C. Calhoun Drive Po Box 9007 Orangeburg, Sc 29116-9007 Resp Code 660 Loan Number 12121547 Date 04-01-2009 Maturity Date 07-29-2009 Loan Amount $ 2,000,000.00 Renewal of Loan #12121547 Borrower’s Name and Address Lender’s Name and Address “I” Includes Each Borrower Above, Jointly and Severally. “You” Means the Lender, Its Successors and Assigns. for Value Received, I Promise to Pay to You, or Your Order, at Your Address Listed Above the Principal Sum of Two Million and No/100 Dollars $ 2,000,000.00

from 10-Q ~10 pages Coastal Carolina Bancshares, Inc. 2305 North Oak Street Myrtle Beach, Sc 29577 Scbt, N.A. 950 John C. Calhoun Drive Po Box 9007 Orangeburg, Sc 29116-9007 Line of Credit No. Date 12121547 04-01-2009 Borrower’s Name and Address Lender’s Name and Address Max. Credit Amt. 2,000,000.00 “I” Includes Each Borrower Above, Jointly and Severally. “You” Means the Lender, Its Successors and Assigns. Loan Ref. No. 12121547

from 10-K 2 pages Coastal Carolina Bancshares, Inc. Scbt, N.A, Resp Code 660 2305 North Oak Street 950 John C. Calhoun Drive Loan Number Myrtle Beach, Sc 29577 Po Box 9007 Date 01-29-2009 Orangeburg, Sc 29116-9007 Maturity Date 07-29-2009 Loan Amount $1,000,000.00 Renewal of Borrower’s Name and Address Lender’s Name and Address “I” Includes Each Borrower Above, Jointly and Severally. “You” Means the Lender, Its Successors and Assigns

from 10-K ~10 pages Coastal Carolina Bancshares, Inc. Scbt, N.A, 2305 North Oak Street 950 John C. Calhoun Drive Myrtle Beach, Sc 29577 Po Box 9007 Line of Credit No. Orangeburg, Sc 29116-9007 Date 01-29-2009 Borrower’s Name and Address Lender’s Name and Address Max. Credit Amt. 1,000,000.00 “I” Includes Each Borrower Above, Jointly and Severally. “You” Means the Lender, Its Successors and Assigns. Loan Ref. No. . You Have Extended to Me a Line of Credit in the Amount of One Million and No/100 $1,000,000.00

from 10-K 2 pages Proposed Terms and Conditions Borrower: Coastal Carolina Bancshares, Inc. Purpose: Proceeds Will Be Used for the Purpose of Providing Additional Working Capital to Cover Increasing Pre-Opening Expenses for the Company as It Moves Toward the Start-Up of Your Proposed New Bank. Loan Amount: Up to $1,000,000 Terms: The Loan Will Be a Revolving Line of Credit With a Maturity of Six Months to Be Repaid From Stock Sale Proceeds of the New Bank Holding Company. Interest Rate: A Variable Rate of Three Month Libor Plus a Margin of 165 Basis Points With a Floor Rate of 5.5% Collateral: The Loan Would Be Unsecured

from S-1 4 pages Item Description Ordered Unit Price Extended Carpet: Downstairs Carpet Upstairs Carpet (Quote Includes All Materials and Labor for Commercial Carpet Installation.) 8600.00 8950.00 Wallcovering Materials: Commercial Wallcovering (Yards) (Includes the Following Areas: - Teller Area and Behind Teller Area - Sitting Area in Main Lobby - Alcove on Main Floor - Entrance Foyer - Front and Rear Stairwells - Employee Breakroom - Upstairs Common Area - Loan Office Areas) 15365.00 Wallcoverings Labor: Wallpaper Installation (Includes Labor to Strip Existing Wallcoverings, Prepare Walls and Install New Wallcoverings.) 9075.00 Plantation Shutters: Custom Bass Wood Plantation Shutters (Includes Plantation Shutters and Installation for the Conference Room, 7940.00 Sub Total : Tax : Total : Net to Pay

from S-1 2 pages Coastal Carolina Bancshares, Inc. 2305 Oak Street Myrtle Beach, Sc 29577 South Carolina Bank and Trust, N.A. 950 John C. Calhoun Drive Po Box 9007 Orangeburg, Sc 29116-9007 Resp Code 660 Loan Number Date 04.01.2008 Maturity Date 04.01.2009 Loan Amount $ 2,000,000.00 Renewal of Borrower’s Name and Address “I” Includes Each Borrower Above, Jointly and Severally. Lender’s Name and Address “You” Means the Lender, Its Successors and Assigns

from S-1 ~5 pages You Have Extended to Me a Line of Credit in the Amount of Two Million and No/100 $ 2,000,000.00 , You Will Make Loans to Me From Time to Time Until 12:00 P.M. on 04-01-2009. Although the Line of Credit Expires on That Date, I Will Remain Obligated to Perform All My Duties Under This Agreement So Long as I Owe You Any Money Advanced According to the Terms of This Agreement, as Evidenced by Any Note or Notes I Have Signed Promising to Repay These Amounts. This Line of Credit Is an Agreement Between You and Me. It Is Not Intended That Any Third Party Receive Any Benefit From This Agreement, Whether by Direct Payment, Reliance for Future Payment or in Any Other Manner. This Agreement Is Not a Letter of Credit. 1. Amount: This Line of Credit Is

from S-1 2 pages Each Guarantor’s “Share” (Approximately 4.76%) of the Outstanding Loan Amount. Accordingly, the Guarantee Will State That Each Individual Guarantees 5.95%. (125% X 4.76% = 5.95%). Banking Relationship: Borrower Agrees to Carry Its Primary Deposit Relationship With Scbt During the Term of the Loan. Prepayment: There Is No Pre-Payment Penalty. Assignability: This Commitment May Not Be Assigned Without the Bank’s Prior Written Consent. Material Adverse Change: This Commitment Is Conditioned on There Having Occurred No Material Adverse Change in the Business, Business Plan, or Financial Condition of Any Guarantor Which May Impair the Ability of the Borrower or Guarantors to Perform Its Obligations Under the Loan