Crescent Banking Co Sample Contracts

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EXHIBIT 10.12 AMENDED AND RESTATED TRUST AGREEMENT
Trust Agreement • February 14th, 2002 • Crescent Banking Co • State commercial banks • Delaware
RECITALS
Loan Agreement • April 5th, 1999 • Crescent Banking Co • State commercial banks
EXHIBIT 10.14 GUARANTEE AGREEMENT
Guarantee Agreement • February 14th, 2002 • Crescent Banking Co • State commercial banks • New York
BACKGROUND
Compensation Agreement • April 23rd, 2002 • Crescent Banking Co • State commercial banks
GUARANTEE AGREEMENT CRESCENT BANKING COMPANY Dated as of August 27, 2007
Guarantee Agreement • August 31st, 2007 • Crescent Banking Co • State commercial banks • New York

This GUARANTEE AGREEMENT (the “Guarantee”), dated as of August 27, 2007, is executed and delivered by Crescent Banking Company, incorporated in Georgia (the “Guarantor”), and LaSalle Bank National Association, 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 Crescent Capital Trust IV, a Delaware statutory trust (the “Issuer”).

AMENDED AND RESTATED TRUST AGREEMENT Among CRESCENT BANKING COMPANY as Depositor, WILMINGTON TRUST COMPANY as Property Trustee, WILMINGTON TRUST COMPANY, as Delaware Trustee, and J. Donald Boggus, Jr. Leland W. Brantley, Jr. and Bonnie B. Boling as...
Trust Agreement • October 6th, 2005 • Crescent Banking Co • State commercial banks • Delaware

THIS AMENDED AND RESTATED TRUST AGREEMENT, dated as of September 30, 2005, is by and among (i) Crescent Banking Company, a Georgia corporation (including any successors or assigns, the “Depositor”), (ii) Wilmington Trust Company, a Delaware banking corporation, as property trustee (in such capacity, the “Property Trustee” and, in its separate corporate capacity and not in its capacity as Property Trustee or Delaware Trustee, the “Bank”), (iii) Wilmington Trust Company, a Delaware banking corporation, as Delaware trustee (in such capacity, the “Delaware Trustee”) (the Property Trustee and the Delaware Trustee are referred to collectively herein as the “Issuer Trustees”), (iv) the Administrators, as hereinafter defined, and (v) the several Holders, as hereinafter defined.

AMENDED AND RESTATED CHANGE OF CONTROL EMPLOYMENT AGREEMENT
Change of Control Employment Agreement • January 6th, 2009 • Crescent Banking Co • State commercial banks • Georgia

THIS AMENDED AND RESTATED CHANGE OF CONTROL EMPLOYMENT AGREEMENT by and between Crescent Banking Company (the “Company”) and Anthony N. Stancil (“Executive”) is dated as of December 30, 2008, and amends and restates in its entirety the Change of Control Employment Agreement dated as of February 20, 2003, as further amended and restated on May 12, 2006.

EMPLOYMENT AGREEMENT BETWEEN THE BANK AND MR. ROBERT C. KENKNIGHT DATED AS OF MAY 1, 1997
Employment Agreement • March 31st, 1998 • Crescent Banking Co • State commercial banks • Georgia
GUARANTEE AGREEMENT Between CRESCENT BANKING COMPANY as Guarantor, and WILMINGTON TRUST COMPANY as Guarantee Trustee, Dated as of September 30, 2005
Guarantee Agreement • October 6th, 2005 • Crescent Banking Co • State commercial banks • New York

THIS GUARANTEE AGREEMENT, dated as of September 30, 2005, is executed and delivered by CRESCENT BANKING COMPANY, a Georgia corporation (the “Guarantor”), having its principal office at 7 Caring Way, Jasper, Georgia 30143, 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 CRESCENT CAPITAL TRUST II, a Delaware statutory trust (the “Issuer Trust”).

CRESCENT MORTGAGE SERVICES, INC.,
Mortgage Warehouse Loan and Security Agreement • October 26th, 2001 • Crescent Banking Co • State commercial banks • Florida
AMENDED AND RESTATED CHANGE IN CONTROL EMPLOYMENT AGREEMENT
Change in Control Employment Agreement • May 15th, 2006 • Crescent Banking Co • State commercial banks • Georgia

THIS AMENDED AND RESTATED CHANGE IN CONTROL EMPLOYMENT AGREEMENT by and between Crescent Banking Company (the “Company”) and Bonnie Boling (“Executive”) is dated as of May 12, 2006 and amends and restates in its entirety the Change of Control Employment Agreement dated as of November 18, 2004 between the Company and the Executive.

CHANGE OF CONTROL EMPLOYMENT AGREEMENT
Change of Control Employment Agreement • April 6th, 2005 • Crescent Banking Co • State commercial banks • Georgia

THIS CHANGE OF CONTROL EMPLOYMENT AGREEMENT (the “Agreement”) by and between Crescent Bank & Trust Company (together with its successors and assigns, the “Bank”) and Suzanne T. Phipps (the “Employee”), is dated as of August 19, 2004, and shall become effective as of the Effective Time of the Crescent Merger.

FEDERAL HOME LOAN BANK OF ATLANTA AGREEMENT FOR ADVANCES AND SECURITY AGREEMENT WITH BLANKET FLOATING LIEN
Agreement for Advances and Security Agreement With Blanket Floating Lien • August 14th, 2003 • Crescent Banking Co • State commercial banks • Georgia

AGREEMENT, dated as of MAY 16, 2003 between CRESCENT BANK having its principal place of business at 251 HIGHWAY 515 JASPER. GA 30143 (“Member”) and the Federal Home Loan Bank of Atlanta, 1475 Peachtree Street, N. E., Atlanta, Georgia 30309 (“Bank”).

FIFTH AMENDMENT TO MORTGAGE WAREHOUSE LOAN AND SECURITY AGREEMENT
Mortgage Warehouse Loan and Security Agreement • November 14th, 2003 • Crescent Banking Co • State commercial banks • Florida

This Fifth Amendment to Mortgage Warehouse Loan and Security Agreement (this “Amendment”), made by and between CRESCENT MORTGAGE SERVICES, INC., a Georgia corporation, as borrower (“Borrower”), and COLONIAL BANK, N.A., a national banking association (f/k/a Colonial Bank), as lender (“Lender”), is dated as of the 30lh day of September, 2003.

LEASE SCHEDULE
Lease Agreement • April 15th, 2003 • Crescent Banking Co • State commercial banks

THIS LEASE MADE and entered into as of the date set forth on the Lease Schedule as Date of Lease, which Lease Schedule is appended to this Lease and is specifically incorporated by reference herein, by and between the Landlord and Tenant as set forth in the Lease Schedule.

Master Securities Forward Transaction Agreement GLOBAL CREDIT DEPT. PROCESSED A/C #: not open yet DATE: 7-19-02 Dated as of APRIL 3, 2002
Master Securities Forward Transaction Agreement • August 14th, 2003 • Crescent Banking Co • State commercial banks • New York
INCENTIVE STOCK OPTION AGREEMENT under the CRESCENT BANKING COMPANY
Incentive Stock Option Agreement • March 31st, 2005 • Crescent Banking Co • State commercial banks
SUBSERVICING AGREEMENT Dated: January 1, 1999 BY AND BETWEEN CRESCENT MORTGAGE SERVICES, INC., as the Owner/Servicer AND CENLAR, F.S.B, as the Subservicer
Subservicing Agreement • August 14th, 2003 • Crescent Banking Co • State commercial banks • New Jersey

THIS SUBSERVICING AGREEMENT (“Agreement”) is made as of the day of January, 1999 by and between CRESCENT MORTGAGE SERVICES, INC. (herein, “Owner/Servicer”), and CENLAR FSB (herein, “Subservicer”).

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LOAN PARTICIPATION SALE AGREEMENT
Loan Participation Sale Agreement • May 15th, 2003 • Crescent Banking Co • State commercial banks • Florida

THIS LOAN PARTICIPATION SALE AGREEMENT (the “Agreement”) is made and entered into as of the 16th day of April, 2003, by and between CRESCENT MORTGAGE SERVICES, INC., a Georgia corporation, whose address is 115 Perimeter Center Place, Suite 285, Atlanta, Georgia 30346 (the “Seller”) and COLONIAL BANK, an Alabama banking corporation, whose address is 201 East Pine Street, Suite 730, Orlando, Florida 32801 (the “Buyer”).

LIFE INSURANCE ENDORSEMENT METHOD SPLIT DOLLAR PLAN AGREEMENT
Endorsement Method Split Dollar Plan • March 31st, 2005 • Crescent Banking Co • State commercial banks

The respective rights and duties of the Bank and the Insured in the above-referenced policy shall be pursuant to the terms set forth below:

AMENDED AND RESTATED CUSTODIAL AGREEMENT
Custodial Agreement • April 15th, 2003 • Crescent Banking Co • State commercial banks • New York

THIS AGREEMENT, dated as of the date set forth on the cover page hereof, among UBS Warburg Real Estate Securities Inc. (the “Participant”), the Custodian whose name is set forth on the cover page hereof (the “Custodian”) and the Seller whose name is set forth on the cover page hereof (the “Seller”).

ASSET PURCHASE AGREEMENT among CAROLINA FINANCIAL CORPORATION, CRESCENT MORTGAGE COMPANY, a Delaware corporation COMMUNITY FIRSTBANK and CRESCENT MORTGAGE SERVICES, INC., a Georgia corporation Dated as of November 3, 2003
Asset Purchase Agreement • November 5th, 2003 • Crescent Banking Co • State commercial banks • Georgia

THIS ASSET PURCHASE AGREEMENT (this “Agreement”) is made and entered into as of November 3, 2003, among Carolina Financial Corporation, a Delaware corporation (“Carolina”), and its wholly owned subsidiary that is being organized, Crescent Mortgage Company, a Delaware corporation (“Newco,” and together with Carolina, “Purchaser”), Community FirstBank of Charleston, a South Carolina bank (“FirstBank”), joining in the Agreement solely for the limited purposes set forth in Sections 1.1(a) and 1.1(b), Section 1.3(b) and Section 12.2, and Crescent Mortgage Services, Inc., a Georgia corporation (“Seller”).

NON-QUALIFIED STOCK OPTION AGREEMENT under the CRESCENT BANKING COMPANY
Non-Qualified Stock Option Agreement • March 31st, 2005 • Crescent Banking Co • State commercial banks
MASTER AGREEMENT MC03861.1
Master Agreement • August 14th, 2003 • Crescent Banking Co • State commercial banks

This Master Agreement between Fannie Mae and Crescent Mortgage Services (“Lender”) governs the sale by Lender, and the purchase by Fannie Mae, of eligible residential mortgage loans (the “Mortgages”). This Master Agreement includes all of the terms and conditions described in all of the exhibits, attachments, conversions, commitments and MBS Pool Purchase Contracts (“MBS Contracts”) attached or entered into as a part of this Master Agreement. Additionally, the “Master Agreement Terms and Conditions” section of Fannie Mae’s Selling Guide (the “Selling Guide”), which is incorporated into this Agreement by this reference, outlines in more detail the general terms and conditions of the Master Agreement and MBS Contracts and contains a complete description of the terms “Master Conversions” and “MBS Pricing Confirmations,” as well as other related terms and instructions. The execution of this Master Agreement requires compliance with all provisions and sections of this Master Agreement, incl

PURCHASE AGREEMENT
Purchase Agreement • February 4th, 2009 • Crescent Banking Co • State commercial banks • Georgia
FOURTH AMENDMENT TO MORTGAGE WAREHOUSE LOAN AND SECURITY AGREEMENT
Mortgage Warehouse Loan and Security Agreement • November 14th, 2003 • Crescent Banking Co • State commercial banks • Florida

This Fourth Amendment to Mortgage Warehouse Loan and Security Agreement (this “Amendment”), made by and between CRESCENT MORTGAGE SERVICES, INC., a Georgia corporation, as borrower (“Borrower”), and COLONIAL BANK, an Alabama banking corporation, as lender (“Lender”), is dated as of the 31st day of January, 2003.

AGREEMENT FOR THE PURCHASE OF SERVICING COISSUE FHLMC(Conventional) BETWEEN CHASE MANHATTAN MORTGAGE CORPORATION PURCHASER AND CRESCENT BANKING COMPANY, CRESCENT MORTGAGE SERVICES, INC., AND CRESCENT BANK & TRUST COMPANY SELLER Dated as of November 1,...
Purchase Agreement • November 14th, 2003 • Crescent Banking Co • State commercial banks • New Jersey

This is an Agreement (the “Agreement”), dated as of November 1, 1997 by and between CHASE MANHATTAN MORTGAGE CORPORATION, a New Jersey corporation, having an office at 343 Thornall Street, Edison, New Jersey 08837 (the “Purchaser”) and CRESCENT BANKING COMPANY (CBC) having an office at 251 Highway 515, Jasper, GA 30143 (Parent); CRESCENT MORTGAGE SERVICES, INC. (CMSI) having an office at 115 Perimeter Center Place, NE, Suite 285, Atlanta, GA 30346; and CRESCENT BANK & TRUST COMPANY (CBTC) having an office at 115 Perimeter Center Place, NE, Suite 285, Atlanta, GA 30346 (individually and collectively referred to as “Seller”)

SECOND AMENDED AND RESTATED SUPPORT AGREEMENT, CASH COLLATERAL AND CONTROL AGREEMENT (Warehousing Facility)
Support Agreement, Cash Collateral and Control Agreement • April 15th, 2003 • Crescent Banking Co • State commercial banks • New York

SECOND AMENDED AND RESTATED SUPPORT AGREEMENT, CASH COLLATERAL AND CONTROL AGREEMENT, dated as of April 8, 2003 (as previously amended and as may be amended, restated or otherwise modified from time to time, the “Support Agreement”), among CRESCENT BANK AND TRUST COMPANY (“Bank”), CRESCENT MORTGAGE SERVICES, INC., as debtor (the “Company”), UBS WARBURG REAL ESTATE SECURITIES INC., as secured party (“UBSRES”) and UBS WARBURG LLC, as custodian and as securities intermediary (the “Custodian”).

AGREEMENT TO JOIN IN THE FILING OF CONSOLIDATED FEDERAL INCOME TAX RETURNS
Agreement to Join in the Filing of Consolidated Federal Income Tax Returns • August 14th, 2003 • Crescent Banking Co • State commercial banks

THIS AGREEMENT is made and entered into this 15th day of January, 1998, between Crescent Banking Company (the “Holding Company”), and Crescent Mortgage Services, Inc. (“CMS”).

EXECUTIVE SUPPLEMENTAL RETIREMENT PLAN AGREEMENT
Executive Supplemental Retirement Plan • March 31st, 2005 • Crescent Banking Co • State commercial banks • Georgia

This Agreement, made and entered into this day of , 200 , by and between Crescent Bank and Trust Company, a Bank organized and existing under the laws of the State of Georgia, hereinafter referred to as “the Bank”, and , a Key Employee and the Executive of the Bank, hereinafter referred to as “the Executive”.

MASTER CUSTODIAL AGREEMENT
Master Custodial Agreement • April 15th, 2003 • Crescent Banking Co • State commercial banks • Florida

This MASTER CUSTODIAL AGREEMENT (this “Custodial Agreement”) dated the date set forth on the cover page hereof, by and among COLONIAL BANK, an Alabama banking corporation (“Lender”), CRESCENT MORTGAGE SERVICES, INC., a Georgia corporation (“Borrower”), and THE BANK OF NEW YORK, a New York banking corporation (“Custodian”).

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