Document:

Exhibit 10.5

 

INTERSTATE BROKERS

1100 Johnson Ferry Road, NE

Atlanta GA 30342

 

Organizers &
Directors

Myrtle
Beach, SC Bank Group

 

Organizers:

 

We are pleased to offer the
following description of the terms of INTERSTATE BROKERS (“INTERSTATE BROKERS”)
services to you in connection with the organization of a de novo bank and bank
holding company in Myrtle Beach, South Carolina.  If the terms of our engagement meet with your
approval, please so indicate by signing the enclosed copy of this letter and
returning it to us for our files.  Our
engagement will cover the following:

 

Assistance with Regulatory Process

 

We understand that you wish
to file charter applications with either the Office of the Comptroller of the
Currency (“the OCC”), the State Department of Banking (“SDB”) or the Office of
Thrift Supervision (“the OTS”) to organize a new bank (“the Charter Application”)
and simultaneously file an application with the Federal Deposit Insurance
Corporation (“the FDIC”) for deposit insurance.

 

We will determine the
specific regulatory steps needed to be taken before submitting your
applications and advise you about such matters as the filing fees, publication
of notices, and brief you about the policies and procedures generally applied
by the OCC, SDB, OTS, and the FDIC.

 

We will assist the Organizers
and the CEO in the analysis and preparation of a market feasibility study for
your new bank that will demonstrate in the application for charter that the needs
and convenience of the community will be enhanced by a new bank.  The analysis will include demographic data
for your proposed primary service area, information on your competition and
other relevant information and data which are required to be set forth in the
applications.

 

We will assist the
organizers in the recruitment of additional organizers and senior management
for the bank.

 

We will also assist the CEO
and organizers in the preparation of a business plan for the new bank including
the specific types of proposed services to be offered by your new bank and the
pricing of same.  The business plan will
also contain the appropriate capital structure for the new bank and the
supporting rationale for the structure.

 

We will review proposed
policies and procedures to cover administrative functions of the new bank
including, but not limited to, lending, investment, security and audit with a
view toward assisting the new bank in passing the pre-opening examination.

 

1

 

We will assist each
organizer in the preparation of confidential interagency biographical and
financial information to ensure that such information complies as to form and
completeness with customary OCC, SDB, OTS and the FDIC review standards.  This assistance includes organizers, proposed
directors and executive management.

 

We will help you respond to
any questions about the applications from the OCC, SDB, OTS, the FDIC, or the
FED and work expeditiously to provide additional information, clarifications,
and modifications, as necessary, to the applications so that the applications
are deemed “technically complete” and “accepted” for processing.

 

We will work with your legal
counsel in the preparation of organizational documents for the new bank and the
BHC including Articles of Association, By-Laws and other initial documents
required to be filed with the regulators. 
The legal fees will be your direct responsibility and are not part of
our compensation.

 

In summary, we will assist
you with the content, presentation, and format of the applications.  This assistance is offered in conjunction
with the expectation that the organizing group will provide the requisite
secretarial, clerical, and administrative assistance required to complete the
filing of all applications and their contents. You recognize and understand
that the OCC, SDB, OTS, the FDIC, and the FED expect you to be completely
familiar and in agreement with the content of the applications, and that
INTERSTATE BROKERS cannot and does not guarantee that the OCC, SDB or OTS will
approve the proposed bank’s charter, that the FDIC will award deposit
insurance, or that the Fed or OTS will approve the bank holding company.

 

Term of Engagement

 

We will continue to provide
the aforementioned services until such time as the proposed bank obtains
charter approval from the OCC, SDB or OTS and deposit insurance from the
FDIC.  Likewise, we will continue to
provide services with regard to the BHC application until you receive a
decision from the FED or OTS.  You
understand and agree, however, that if our services are required in conjunction
with any formal protests by competing financial institutions or as result of
changes in the composition of the organizing group or due to further
modifications in the bank’s operating plan after the charter application is accepted
by the OCC, SDB or OTS, then such services are not contemplated by this
engagement letter.  If such additional
services are needed, we will bill you on the basis of the number of hours
provided and at our normal and customary rate per hour ($175).

 

You may, however, elect to
terminate this engagement at any time so long as you are current in the payment
of all fees and expense reimbursements required in the section entitled “Compensation”
below and current in payment of all fees and expenses billed in the event that
additional services described in the preceding paragraph are provided.  Any such termination will become effective
immediately upon receipt by us of a written notice of termination.  If the applications have been filed, then
such termination will not alter the obligation of the organizers to pay all
professional fees contemplated in the following description of “Compensation.”
You understand and agree that all payments received prior to such termination
will not be subject to refund.  In the
event of a termination, we will cease providing you with all services.

 

2

 

Compensation

 

For the services described
above, you agree to pay us professional fees totaling $75,000 as follows:  $7,500 upon execution of this Agreement, and
$7,500 on the first day of each month for nine (9) thereafter.    You
agree to pay our normal and customary rate per hour for special services, if
any, provided after preliminary approval of the charter.

 

Our fee includes the review
of and assistance in the preparation of Interagency Biographical and Financial
Reports for up to twenty-two Organizers. 
All IBFR reports over 22 shall increase the fee by $2,500 for each
additional organizer.

 

Once
the Bank receives final charter approval, you shall grant to Interstate Brokers
or its assigns, stock options (“Options”) to purchase 7,500(a)
shares of the shares of the common stock of the new Bank or Bank Holding
Company. The Options shall expire ten (10) years from the date of award,
or the opening of the Bank, whichever is later.  The price of each share
of stock purchased shall be Ten Dollars ($10.00), also known as the “exercise”
or “strike” price (b).  Notwithstanding anything to the contrary as
described above, the Options shall be awarded under substantially the same
terms as any stock warrants or stock options which may be awarded to the
Organizers, officers or Board of Directors. Further, the Options contemplated
herein shall be transferable without restriction; and, be subject to corporate
reorganizations, which may result in a proportionate increase or decrease in
the number of Options and/or the exercise price and/or, result in the Options
being exercisable in whole or in part.  No statements contained herein
shall be construed as contingent fee pricing.  If the bank regulators, the
Securities and Exchange Commission, or any other government agency in any way
prohibit the award of the Options described above, then the proposed bank or
its bank holding company shall immediately pay Interstate Brokers, or its
assigns, an amount equal to $3.33 (b) for each prohibited
option.  At our option, we may purchase
stock in your initial bank or bank holding company offering up to the amount of
our total fee including the total value of all options at $3.33 each.

 

(a)   Plus 250 additional options for each
organizer over twenty-two.

(b)   The number of
options and exercise price is based on an initial offering price per share of
$10.00.  Should the initial offering price be different than $10.00 per
share, then the exercise price and the number of options shall be increased or
decreased proportionately, as the case may be.

 

In addition to the
professional fees described above, expenses will be incurred for your
account.  Such invoices shall be payable
upon receipt.  We expect to incur such
expenses as travel, telephone, facsimile, demographic, and peer data, express
and local courier services, duplication costs and out of pocket expenses.  Accordingly, we request that upon execution
of this engagement letter, you agree that we shall be advanced $5,000 within
two weeks of your signature, as a deposit against our expenses to be incurred
on your behalf.  Expenses up to $5,000
shall be charges against the advance. In addition, we may incur certain expenses
on your behalf in connection with pre-organization activities. We expect such
expenses to be less than $5,000 and we will not bill you for more than said $5,000
without your prior approval. You will be invoiced separately for the
pre-organization expenses and such invoice will be due and payable upon
receipt.

 

3

 

Miscellaneous

 

Because we recognize that
our engagement by you will necessarily involve exposure to confidential
information with respect to your proposed bank and the organizers and directors
thereof, we agree to hold such information in confidence and will not disclose
same to third parties without your prior written consent. Likewise, the terms
of our engagement by you, the proposed bank and bank holding company, are
confidential.  No disclosure may be made
to a third party without our prior written consent, except by reason of legal,
accounting, or regulatory requirements.

 

You understand and agree
that the terms of our engagement will be governed under Georgia law and that
this letter sets forth all of the terms and conditions with respect to such
engagement.  Any amendment or
modification of our engagement must be made in writing and signed by each of us.  Neither party to this engagement may bring an
action more than one year after the cause of action arises.  This engagement letter replaces all prior
written and oral communication and is the complete agreement between you and
INTERSTATE BROKERS.

 

We very much look forward to
working with you on this project and trust that this letter meets with your
approval.  Of course, please do not
hesitate to contact the undersigned should you have any questions regarding
this matter.

 

INTERSTATE BROKERS

 

	
   

  	
  By:

  	
    /s/
  John L. Johnson

  
	
   

  	
   

  	
                John
  L. Johnson

  
	
   

  	
   

  	
                      Principal

  
	
   

  	
   

  	
   

  
	
  Acknowledged,
  Agreed and

  	
   

  
	
  Accepted
  by the undersigned Organizer(s)

  	
   

  
	
  this
  15th day of June, 2007.

  	
   

  
	
   

  	
   

  
	
   

  	
   

  
	
    /s/ J. Egerton Burroughs

  	
   

  
				

 

4Exhibit 10.6

 

SOUTH
CAROLINA BANK AND TRUST

 

ESCROW
AGREEMENT

 

Relating to Subscriptions for Shares of  Coastal Carolina Bancshares, Inc.

 

This Escrow Agreement (the “Agreement”) is made and entered into as of
the 6th day of June, 2008, by and between Coastal Carolina Bancshares, Inc.,
a South Carolina corporation  (the “Company”) and South Carolina Bank and Trust, (the “Escrow
Agent”).

 

WHEREAS, the Company proposes to offer and
sell (the “Offering”) up to 3,000,000 shares of Common Stock, $0.01 par value
per share (the “Shares”), to investors at $10.00 per Share pursuant to a public
offering registered pursuant to the Securities Act of 1933; and

 

WHEREAS, the Company desires to establish an
escrow for funds forwarded by investors for Shares, and the Escrow Agent is
willing to serve as Escrow Agent upon the terms and conditions herein set
forth.

 

NOW, THEREFORE, in consideration of the
premises and other good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, the parties hereto agree as follows:

 

1.     ESCROW DEPOSIT.

 

a.       Each investor
will deliver the funds in payment for the Shares purchased by such investor, as
set forth in the Subscription Agreement, to the Company for further delivery to
the Escrow Agent.  The Company will
collect and deliver to the Escrow Agent appropriate IRS W-9 Forms for each
investor.  Checks should be made payable
to “South Carolina Bank and Trust, as Escrow Agent for Coastal Carolina
Bancshares, Inc.”  If any check does
not clear normal banking channels in due course, the Escrow Agent will promptly
notify the Company.  Any check which does
not clear normal banking channels and is returned by the drawer’s bank to
Escrow Agent will be promptly turned over to the Company along with all other
subscription documents relating to such check. 
Any check received that is made payable to a party other than the Escrow
Agent shall be returned to the Company for return to the proper party.  The Company in its sole and absolute
discretion may reject any subscription for Shares in whole or in part for any
reason and upon such rejection, it shall notify and instruct the Escrow Agent
in writing to return the appropriate amount of Escrowed Funds by check made
payable to the investor.  If the Company
rejects or cancels any subscription for any reason, the Company will retain any
interest earned on the Escrowed Funds to help defray organizational costs.

 

b.       Subscription Agreements for
the Shares shall be promptly reviewed for accuracy by the Company and,
immediately thereafter, the Company shall promptly deliver to the Escrow Agent
the following information: (i) the name and address of the investor; (ii) the
number of Shares subscribed for by such investor; (iii) the subscription
price paid by such investor; (iv) the investor’s tax identification number
certified by such investor; and (v) a copy of the investor’s Subscription
Agreement.

 

2.     INVESTMENT OF ESCROW DEPOSIT.  All funds received by the Escrow Agent
pursuant to this Agreement shall be invested, to the extent practicable, in
deposit accounts or certificates of deposit which are insured by the Federal
Deposit Insurance Corporation or another agency of the 

 

1

 

United States government, short-term
securities issued or fully guaranteed by the United States government, federal
funds, or such other investments as the Escrow Agent and the Company shall
agree.  All investments shall comply with
applicable laws, rules and regulations, including Rule 15(c)(2-4)
under the Securities Exchange Act of 1934. 
The Company shall provide the Escrow Agent with instructions from time
to time concerning in which of the specific investment instruments described
above the Escrowed Funds shall be invested, and the Escrow Agent shall adhere
to such instructions.  Unless and until
otherwise instructed by the Company, the Escrow Agent shall invest the Escrowed
Funds in Escrow Agent’s Business Money Market Account.  Interest will begin accruing no later than
the next business day after receipt.  Incoming
wire transfers received by 6:00 P.M. (ET) will be posted as soon as
feasible.  Incoming wire transfers
received without a Subscription Agreement will be posted, but returned after
five business days if a Subscription Agreement has not been received by the
Company. Interest and other earnings shall start accruing on such funds as soon
as such funds would be deemed to be available for access under applicable
banking laws and pursuant to the Escrow Agent’s own banking policies.

 

3.     CERTIFICATION
OF FUNDS.  Upon receipt of (i) funds
in the amount of at least $21 million in payment for Shares, and (ii) at
the direction of Company, the Escrow Agent shall certify to the appropriate
regulatory authorities that the Escrow Agent holds a minimum of $21 million on
deposit in the escrow account for the purchase of Shares in Company.

 

4.     DISTRIBUTION OF FUNDS.  The Escrow Agent shall distribute the funds
held by it under this Agreement as follows:

 

a.       Upon receipt of (i) funds
in the amount of at least $21 million in payment for Shares, and (ii) a
certificate executed by the Company’s CEO or CFO attesting that all other
conditions to the release of funds as described in the Company’s prospectus
pertaining to the offering, including but not limited to approval of the appropriate
bank regulators, have been met and directing the Escrow Agent to distribute all
funds then held by the Escrow Agent pursuant to this Agreement to the Company,
then the Escrow Agent shall deliver the funds, by cashier’s check, wire
transfer, or other form of payment mutually acceptable to the Company and the
Escrow Agent, to the Company, together with the income earned thereon pursuant
to subsection (c) of this Section 4. 
The parties anticipate that there may be multiple distributions of
escrowed funds and that the Company will deliver a certificate from the Company’s
CEO or CFO as contemplated above prior to each such distribution.  No distribution will be made until the last
investor deposit to be distributed in that distribution has been made for at
least two business days.  The Company
shall provide account information and other necessary directions for
disbursements by the Escrow Agent to it under this Agreement.  The Escrow Agent must be provided a copy of
the form of Subscription Agreement at the signing of this Agreement.

 

b.       Upon (i) receipt
of direction from the Company, to return the funds to the investors; or (ii) in
the event the Escrow Agent shall have received less than $21 million or shall
have received no direction or certificate from the Company pursuant to either
subsection (a) or this subsection (b) of this Section 4 on or prior
to initial closing date of  the Offering
as described in the Company’s prospectus (unless the Company notifies the
Escrow Agent that the Offering has been extended), the Escrow Agent shall
distribute such funds to the investors, without interest, pursuant to
subsection (c) of this Section 4. 
The Company may give notice to the Escrow Agent that the Company is
canceling its offer of the Shares prior to the ultimate expiration date of the
Offering as described in the Company’s prospectus (beyond such date the
Offering may not be extended by the Company), and the Escrow Agent shall
distribute the funds to the investors in accordance with this Agreement.

 

c.       Any income earned on
the investment of funds received under this Agreement will first be applied
against the Escrow Agent’s fee set forth in Section 9 hereof and any
expense of the Escrow Agent incurred pursuant to Section 6 hereof,
provided that in no event shall 

 

2

 

the Escrow Agent apply any of the investors’
original investment principal towards such fees and expenses.  To the extent that such income exceeds the
Escrow Agent’s fee and expenses, the Escrow Agent shall distribute such excess
to the Company, in the event that funds are returned to investors pursuant to
subsection (b) of this Section. 
Such excess shall also be delivered to the Company, in the event that
the funds received and held hereunder are delivered to the Company pursuant to
subsection (a) of this Section.  To
the extent that the income earned on the investment of funds does not exceed
the Escrow Agent’s fees and expenses, the Company shall promptly pay the Escrow
Agent the amount by which the Escrow Agent’s fees and expenses exceed the
income.

 

5.     AUTHORIZATION FOR DISBURSEMENT.  The Escrow Agent is hereby authorized and
directed to issue its checks for each disbursement hereunder and the Escrow
Agent shall be relieved of all liability with respect to making the
disbursements in accordance with the provisions hereof.

 

6.     PROFESSIONAL SERVICES USED BY ESCROW AGENT.  The Escrow Agent may engage the
services of such attorneys, accountants, and other professionals, as the Escrow
Agent may, in its sole discretion, deem advisable to carry out its duties under
the Agreement.  The Company agrees to
reimburse the Escrow Agent for all costs, expenses and professional fees
incurred hereunder which are not covered by income earned on escrowed funds
pursuant to Section 4(c) hereof, including all legal fees and
expenses incurred in the review of this Agreement.

 

7.     LIABILITY OF ESCROW AGENT.

 

a.       In performing any of its duties under the
Agreement, or upon the claimed failure to perform its duties hereunder, the
Escrow Agent shall not be liable to anyone for any damages, losses or expenses
which it may incur as a result of the Escrow Agent so acting, or failing to
act; provided, however, the Escrow Agent shall be liable for damages arising
out of its willful default or misconduct or its gross negligence under this
Agreement.  Accordingly, the Escrow Agent
shall not incur any such liability with respect to (i) any action taken or
omitted to be taken in good faith upon advice of its counsel or counsel for the
Company which is given with respect to any questions relating to the duties and
responsibilities of the Escrow Agent hereunder; or (ii) any action taken
or omitted to be taken in reliance upon any document, including any written
notice or instructions provided for in this Agreement, not only as to its due
execution and to the validity and effectiveness of its provisions but also as
to the truth and accuracy of any information contained therein, if the Escrow
Agent shall in good faith believe such document to be genuine, to have been
signed or presented by a proper person or persons, and to conform with the
provisions of this Agreement.

 

b.       The Company agrees to indemnify and hold harmless the Escrow Agent
against any and all losses, claims, damages, liabilities and expenses,
including, without limitation, reasonable costs of investigation and counsel
fees and disbursements which may be imposed by the Escrow Agent or incurred by
it in connection with its acceptance of this appointment as Escrow Agent
hereunder or the performance of its duties hereunder, including, without
limitation, any litigation arising from this Agreement or involving the subject
matter thereof; except, that if the Escrow Agent shall be found guilty of
willful default, misconduct or gross negligence under this Agreement, then, in
that event, the Escrow Agent shall bear all such losses, claims, damages and
expenses.

 

c.       If a dispute ensues between any of the
parties hereto which, in the opinion of the Escrow Agent, is sufficient to
justify its doing so, the Escrow Agent shall retain legal counsel of its choice
as it reasonably may deem necessary to advise it concerning its obligations
hereunder and to represent it in any litigation to which it may be a party by
reason of this Agreement.  The Escrow
Agent shall be entitled to tender into the registry or custody of any court of
competent jurisdiction all money or property in its hands under the terms of
this Agreement, and to file such legal proceedings as it deems appropriate, and
shall 

 

3

 

thereupon be discharged from all further
duties under this Agreement.  Any such
legal action may be brought in any such court as the Escrow Agent shall
determine to have jurisdiction thereof. 
In connection with such dispute, the Company shall indemnify the Escrow
Agent against its court costs and reasonable attorney’s fees incurred.

 

8.     RESIGNATION.  The Escrow
Agent may resign at any time upon fifteen days’ written notice to the
Company.  Such resignation shall take
effect upon receipt by the Escrow Agent of an instrument of acceptance executed
by a successor escrow agent and subscribed and consented to by the Company, and
the delivery by the Escrow Agent to such successor of any funds held under this
Agreement.  The Escrow Agent, if it has
not received such an instrument of acceptance prior to the expiration of
fifteen calendar days after the giving of notice of resignation, shall be
discharged of its duties and obligations hereunder only upon the deposit of any
funds being held by it under this Agreement into, and the acceptance thereof,
by a court of competent jurisdiction, to which application shall be made for
the appointment of a successor escrow agent and such successor agent so
appointed shall succeed to all of the rights, duties and responsibilities of
the Escrow Agent hereunder.

 

9.     ESCROW AGENT’S FEES.   There will be no fees charged by the Escrow
Agent for the administration and execution of this agreement.

 

10.  NOTICE.  All notices,
certificates, requests, demands and other communications or deliveries
hereunder shall be in writing and shall be sufficiently given and shall be
deemed given when delivered, postage prepaid, addressed as follows by Certified
Mail (or other means, if unanimously agreed to by the parties in writing):

 

	
  To the Escrow Agent:

  	
  Attention: Alex Shuford

  
	
   

  	
  South Carolina Bank and Trust

  
	
   

  	
  Post Office Box 1030

  
	
   

  	
  Columbia, SC 29202

  
	
   

  	
   

  
	
  To the Investors:

  	
  To the persons named and at the Addresses listed in the Subscription
  Agreements

  
	
   

  	
   

  
	
  To Company:

  	
  Attention: Holly L. Schreiber, CFO

  
	
   

  	
  Coastal Carolina Bancshares, Inc.

  
	
   

  	
  Post Office Box 2969

  
	
   

  	
  Myrtle Beach, SC 29578

  

 

Any party may, by notice given hereunder, designate any future or
different addresses to which subsequent notices, certificates, and other
communications shall be sent.

 

11.  REPRESENTATIONS OF THE COMPANY.  The Company hereby acknowledges that the
status of the Escrow Agent with respect to the offering of the Shares is that
of agent only for the limited purposes herein set forth, and hereby agrees it
will not represent or imply that the Escrow Agent, by serving as the Escrow
Agent hereunder or otherwise, has investigated the desirability or advisability
of an investment in the Shares, or has approved, endorsed or passed upon the merits
of the Shares, nor shall the Company use the name of the Escrow Agent in any
manner whatsoever in connection with the offer or sale of the Shares, other
than in the Company’s registration statement and related prospectus by
acknowledgment that the Escrow Agent has agreed to serve as Escrow Agent for
the limited purposes herein set forth.

 

12.  ENTIRE AGREEMENT.  This Agreement sets forth the entire
agreement and understanding of the parties with regard to the escrow
transaction and supersedes all prior agreements, arrangements and
understandings relating to the subject matter hereof.  The parties hereto acknowledge that it is
currently contemplated that the Company will engage a sales agent to assist in
the Offering and agree to amend this Agreement as necessary to comply with any
requirements for this Agreement 

 

4

 

imposed by the National Association of
Securities Dealers as a result of the subsequent engagement.

 

13.  AMENDMENT.  This Agreement may be amended, modified,
superseded or canceled, and any of the terms or conditions hereof may be
waived, only by a written instrument executed by each party hereto or, in the
case of a waiver, by the party waiving compliance.  The failure of any party at any time or times
to require performance of any provision hereof shall in no manner affect the
right at a later time to enforce the same. 
No waiver in any one or more instances by any party of any condition, or
of the breach of any term contained in this Agreement, whether by conduct or
otherwise, shall be deemed to be, or construed as, a further or continuing
waiver of any such condition or breach, or a waiver of any other condition or
of the breach of any other terms of this Agreement.

 

14.  BINDING EFFECT.  This Agreement
shall inure to the benefit of and shall be binding upon the parties hereto and
their respective heirs, executors, successors, administrators and assigns.  The Escrow Agent shall be bound only by the
terms of this Agreement and shall not be bound by or incur any liability with
respect to any other agreement or understanding between the parties with
respect to the subject matter hereof except as herein expressly provided herein.  The Escrow Agent shall not have any duties
hereunder except those specifically set forth herein.

 

15.  ASSIGNMENT.  No interest of any party to this Agreement
shall be assignable in the absence of a written agreement by and between the
parties to this Agreement, executed with the same formalities as this original
Agreement.

 

16.  SEVERABILITY.  In the
event any court of competent jurisdiction shall hold any provision of this
Agreement invalid or unenforceable, such holding shall not invalidate or render
unenforceable any other provision hereof.

 

17.  EXECUTION OF COUNTERPARTS.  This
Agreement may be executed in several counterparts, each of which shall be an
original, and all of which shall constitute one and the same instrument.

 

18.  APPLICABLE LAW.  This
Agreement shall be construed and governed exclusively by the laws of the State
of South Carolina, without regard to its principles of conflicts of law.

 

19.  HEADINGS.  The headings
used in this Agreement have been prepared for the convenience of reference only
and shall not control, affect the meaning of, or be taken as an interpretation
of any provisions of this Agreement.

 

5

 

IN WITNESS
WHEREOF, the parties have duly executed this Agreement as of the date first
written above.

 

 

	
   

  	
  ESCROW AGENT: SOUTH CAROLINA BANK AND 

  TRUST

  
	
   

  	
   

  
	
   

  	
  By:

  
	
   

  	
               s/
  Alex Shuford

  
	
   

  	
               Alex
  Shuford, Executive Vice President

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  COMPANY:    COASTAL
  CAROLINA BANCSHARES, 

  INC

  
	
   

  	
   

  
	
   

  	
  By:

  
	
   

  	
               s/
  Holly L. Schreiber

  
	
   

  	
               Holly
  L. Schreiber, Chief Financial Officer

  

 

6

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