0000950144-03-010666 Sample Contracts

FORM OF UNDERWRITING AGREEMENT COAST FINANCIAL HOLDINGS, INC. __________ SHARES COMMON STOCK
Underwriting Agreement • September 5th, 2003 • Coast Financial Holdings Inc • Alabama
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EMPLOYMENT AGREEMENT BY AND BETWEEN COAST BANK OF FLORIDA AND GERALD L. ANTHONY
Employment Agreement • September 5th, 2003 • Coast Financial Holdings Inc • Florida
. . Exhibit 10.3 BUSINESS LOAN AGREEMENT Principal Loan Date Maturity Loan No Call/Coll Account Officer Initials
Business Loan Agreement • September 5th, 2003 • Coast Financial Holdings Inc • Florida

THIS BUSINESS LOAN AGREEMENT DATED APRIL 15, 2003, IS MADE AND EXECUTED BETWEEN COAST FINANCIAL HOLDINGS, INC. ("BORROWER") AND INDEPENDENT BANKERS' BANK OF FLORIDA ("LENDER") ON THE FOLLOWING TERMS AND CONDITIONS. BORROWER HAS RECEIVED PRIOR COMMERCIAL LOANS FROM LENDER OR HAS APPLIED TO LENDER FOR A COMMERCIAL LOAN OR LOANS OR OTHER FINANCIAL ACCOMMODATIONS, INCLUDING THOSE WHICH MAY BE DESCRIBED ON ANY EXHIBIT OR SCHEDULE ATTACHED TO THIS AGREEMENT ("LOAN"). BORROWER UNDERSTANDS AND AGREES THAT: (A) IN GRANTING, RENEWING, OR EXTENDING ANY LOAN, LENDER IS RELYING UPON BORROWER'S REPRESENTATIONS, WARRANTIES, AND AGREEMENTS AS SET FORTH IN THIS AGREEMENT; (B) THE GRANTING, RENEWING, OR EXTENDING OF ANY LOAN BY LENDER AT ALL TIMES SHALL BE SUBJECT TO LENDER'S SOLE JUDGMENT AND DISCRETION; AND (C) ALL SUCH LOANS SHALL BE AND REMAIN SUBJECT TO THE TERMS AND CONDITIONS OF THIS AGREEMENT.

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