Document:

CREDIT
SUISSE

LOAN AGREEMENT
(hereinafter referred to as the "Agreement")

between

Inficon Holding AG, Maienfelderstrasse 2, 7310 Bad Ragaz

(hereinafter collectively referred to as "the Borrower")

and

CREDIT SUISSE, Swiss Corporates, CH-8070 Zurich
(hereinafter referred to as "the Bank")

Facility Amount         Credit frame of USD 30'000'000.--

Purpose                 Working Capital Financing

Utilization             -    In the form of a current account overdraft facility
                             in any freely convertible foreign currencies
                             (multicurrency).
                        -    In the form of fixed advances with a maximum term
                             of 12 months in any freely convertible foreign
                             currencies (multicurrency). Fixed advances are due
                             for repayment at maturity.
                        -    in the form of Bid-/Advance Payment-/Performance
                             Bonds
                        -    in the form of Issuance of Letters of Credit for
                             import and/or export transactions, including the
                             issuance of Standby Letters of Credit for
                             transactions of similar nature
                        -    in the form of a margin coverage (minimum 10%) for
                             foreign exchange forward transactions concluded at
                             the Bank
                        subject to the approval of the Bank (at its own
                        discretion) in each individual case.

                        This credit line is also provided against a payment
                        obligation, alternatively but not cumulatively to
                        subsidiaries of the Borrower (subject to the approval of
                        the Bank in each individual case). The Borrower is
                        requested to give the Bank written advice about the
                        actual allocation of the credit frame.

Interest Rate           Current account loan
                        --------------------
                        At present the following interest rates are applied for
                        current account in main currencies:
                        USD          9.0% p.a.
                        EUR          7.75% p.a.
                        CHF          5.25% p.a.

                        The Bank reserves the right to make interest rate
                        adjustments at its discretion without giving prior
                        notice to reflect prevailing money and capital market
                        conditions.

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<PAGE>

                        Fixed Advances
                        --------------
                        The Bank will in each case determine the interest rate
                        in line with money and capital market rates.

Credit Commission       0.25% per quarter when used as a current account
                        overdraft facility.

Upfront Fee             0.125% payable upon closing of the Agreement and
                        calculated on the Facility Amount, regardless of usage.

Commitment Fee          0.1% p.a. on the whole amount of the Credit Facility of
                        USD 30'000'000.--, payable quarterly in arrears on the
                        last day of each March, June, September and December.
                        First payment is due on December 31, 2000.

                        This Commitment Fee will be deducted on payable
                        interests and Letter of Credit Fees of all utilizations
                        under this Credit Facility at date of interest rate or
                        Letter of Credit Fee fixing.

Postage and fees        Debited for costs incurred by the Bank.

Account statements      Current account statements will be issued quarterly for
                        debit balances and every six months for credit balances.

                        Fixed advances are debited at maturity.

Termination             This Agreement is valid for 364 days and will
                        automatically be extended for another 364 days unless
                        terminated by one of the parties. For the following
                        years, the same rule applies. Termination of the
                        Agreement may - only with the effect to the end of a 364
                        days period - be possible with a written notice of 90
                        days before maturity date.

                        Termination from the Bank or from one of the Borrower of
                        this Agreement will have the following consequences:

                        Any outstanding fixed advance under this Agreement and
                        any other amount owned to the Bank under this Agreement
                        including all amounts under the current account
                        overdraft is due for repayment in full together with
                        accrued interest and fees by the date of termination of
                        this Agreement. If any repayment of an advance is
                        requested otherwise than on the last day of a term the
                        Borrower will pay to the Bank such amount as necessary
                        to compensate it for the respective loss (reinvestment
                        loss).

                        After termination of this Agreement no further Letters
                        of Credit will be issued. Already issued Letters of
                        Credit are not affected by the termination of this
                        Agreement.

Covenants               Pari passu
                        The Borrowers confirm that the loan granted under this
                        Loan Agreement is at least of the same ranking as all
                        other existing or

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<PAGE>

                        future direct or indirect obligations of a similar
                        nature.

                        Material adverse change
                        For important reasons beyond the influence of the Bank,
                        in particular if the Bank considers that the Borrowers
                        financial status and/or earnings situation has
                        deteriorated considerably, or if the Borrowers assets
                        have become exposed to a major threat, the Bank shall be
                        entitled at anytime to declare any outstanding loan or
                        other indebtedness (including interest accrued up to the
                        date of payment) due for repayment and the Credit
                        Agreement as cancelled. This cancellation has the same
                        consequences as stated under paragraph Termination.

                        The enclosed "General Conditions" of the Bank which are
                        known to and approved by the Borrower supplement these
                        regulations and are also applicable.

                        Each year within 4 months of the closing date Inficon
                        Holding AG undertakes to submit to the Bank for
                        inspection copies of its public consolidated and
                        unconsolidated audited annual balance sheets and profit
                        and loss statements.

                        The Borrower undertakes to provide the Bank promptly
                        with any other public information in connection with the
                        financial condition of the Borrower or his ability to
                        perform his obligations under this Agreement.

Other conditions        The present Loan Agreement shall be governed by Swiss
                        law. Swiss law shall also be applicable in the
                        interpretation of this Agreement. Any dispute arising
                        out of or in connection with this Agreement shall be
                        submitted for judgement to the ordinary courts of Canton
                        of Zurich at Zurich subject to appeal to the Swiss
                        Federal Court at Lausanne. The Bank has, however, the
                        right to take legal action before the court at the
                        Borrower's domicile or before any other competent court.

                        This Loan Agreement is drawn up in two copies. The
                        Borrower and the Bank receive one copy each. Please
                        return the attached copy duly countersigned by all
                        parties concerned thus signifying your approval with the
                        terms and conditions of this Loan Agreement.

CREDIT SUISSE                                    Inficon Holding AG

/s/ Michael Rentsch      /s/ Barbara Amhof       /s/ James L. Brissenden
Michael Rentsch          Barbara Amhof           /s/ Peter Maier
                                                 -------------------------------
                                                 (Borrower's signature)

Zurich, 23. November 2000
CKZA 11J

"General Conditions"

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<PAGE>

                                     Annex 1

                            to Loan Agreement between

                               Inficon Holding AG
                                       and
                                  CREDIT SUISSE

                                       for
             Credit Frame of USD 30,000,000 dated November 23, 2000

                                  PRICING GRID
                                  ------------

The interest Rates and Guarantee Commissions will be determined according to the
Pricing Grid below based on the Total Debt to EBITDA ratio calculated
semi-annually on the consolidated figures of Inficon Group. The Pricing Grid
will be applied starting on December 31, 2000.

Interest Rate for Fixed Advances
--------------------------------
LIBOR + 1.25% p.a. at present.

LIBOR rate is corresponding to the London Interbank Offering Rate on Telerate
page 3740 and/or 3750 and will be rounded at the time of draw down to the next
1/16%.

(i) For tranches equal and greater than CHF 2 million:
--------------------------------------------------------------------------------
                    Level 1        Level II         Level III        Level IV
--------------------------------------------------------------------------------
Total Debt/EBITA   less than    greater than       greater than     greater than
                   1.0x         or equal to 1.0x   2.0 less than    3.0x
                                less than or       or equal to
                                equal to 2.0x      3.0x
--------------------------------------------------------------------------------
LIBOR Margin        75 bps         100 bps           125 bps          150 bps
--------------------------------------------------------------------------------

(ii) For tranches lower than CHF 2 million:
--------------------------------------------------------------------------------
                    Level 1        Level II         Level III        Level IV
--------------------------------------------------------------------------------
Total Debt/EBITA   less than    greater than       greater than     greater than
                   1.0x         or equal to 1.0x   2.0 less than    3.0x
                                less than or       or equal to
                                equal to 2.0x      3.0x
--------------------------------------------------------------------------------
LIBOR Margin        100 bps         125 bps           150 bps          175 bps
--------------------------------------------------------------------------------

Guarantee Commissions on all instruments securing a credit risk
---------------------------------------------------------------

(i) For guarantees equal and greater than CHF 1 million:
-------------------------------------------------------
                          Level 1          Level II
-------------------------------------------------------
Total Debt/EBITA         less than       greater than
                         or equal to     2.0x
                         2.0x
-------------------------------------------------------
Guarantee Commission     60 bps            70 bps
-------------------------------------------------------

(ii) For amounts lower than CHF 1 million:
-------------------------------------------------------
                          Level 1          Level II
-------------------------------------------------------
Total Debt/EBITA         less than       greater than
                         or equal to     2.0x
                         2.0x
-------------------------------------------------------
Guarantee Commission     70 bps            80 bps
-------------------------------------------------------

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<PAGE>

Definitions

Total Debt is defined as follows:
--------------------------------
  Short term interest bearing debt
+ Long term interest bearing debt
= Total Debt

EBITDA is defined as follows:
----------------------------
    Earnings before taxes
+   Interest cost
 ./. Interest income
+   Depreciation
+   Amortisation of goodwill
=   EBITDA

                                            Accepted by:

Inficon Holding AG                           /s/ James L. Brissenden
                                             /s/ Peter Maier
                                            ------------------------------------

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------                                                                    ------

                        SOUTHCOAST FINANCIAL CORPORATION
                   ORGANIZED UNDER THE LAWS OF SOUTH CAROLINA
This certificate is transferable in                      SEE REVERSE FOR CERTAIN
Atlanta, Georgia                                                     DEFINITIONS
                                                                           CUSIP

         This  certifies  that   ___________________________  is  the  owner  of
______________________  fully paid and nonassessable shares of the COMMON STOCK,
no Par Value,  of SOUTHCOAST  FINANCIAL  CORPORATION,  transferable  only on the
books of the  Corporation  by the holder hereof in person or by duly  authorized
attorney upon surrender of this Certificate properly indorsed.  This Certificate
and the shares  represented  are issued and shall be held  subject to all of the
provisions of the Articles of Incorporation and of the Bylaws of the Corporation
and all amendments and supplements thereto, copies of which are on file with the
Corporation,  to all of which  the  holder  by  acceptance  of this  Certificate
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 bear the
facsimile signature of its duly authorized officers and its facsimile seal to be
hereunto affixed.

Dated:
       ----------------

                           [SEAL]

                                        ----------------------------------------
 Secretary                              President and Chief Executive Officer

                                        ----------------------------------------
                                        COUNTERSIGNED AND REGISTERED:

                                        ----------------------------------------
                                        Transfer Agent and Registrar

                                        By:
                                           ------------------------------
                                             Authorized Signature

<PAGE>

                         [REVERSE OF STOCK CERTIFICATE]

                        SOUTHCOAST FINANCIAL CORPORATION

The Corporation will furnish to any shareholder upon request and without charge,
a full statement of the  designations,  preferences,  limitations,  and relative
rights  of the  shares  of  each  class  authorized  to be  issued  and,  if the
Corporation is authorized to issue any preferred or special class in series, the
variations  in the relative  rights and  preferences  between the shares or each
such series so far as the same have been fixed and determined, and the authority
of the  board  of  directors  to fix  and  determine  the  relative  rights  and
preferences of other series.

                          [USUAL TRANSFER FORM OMITTED]

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