0001090009-08-000004 Sample Contracts

LOAN AGREEMENT by and between SOUTHERN FIRST BANCSHARES, INC. and THE BANKERS BANK, NATIONAL ASSOCIATION DATED DECEMBER 28, 2007
Loan Agreement • January 4th, 2008 • Southern First Bancshares Inc • National commercial banks • North Carolina

Agreement, dated as of the 28th day of December, 2007, by and between Southern First Bancshares, Inc., a South Carolina corporation and a bank holding company (the "Borrower"), and The Bankers Bank, National Association (the "Lender") ("Agreement").

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STOCK PLEDGE AGREEMENT
Stock Pledge Agreement • January 4th, 2008 • Southern First Bancshares Inc • National commercial banks • North Carolina

This Stock Pledge Agreement (this "Agreement"), dated as of this 28th day of December, 2007, is by and between SOUTHERN FIRST BANCSHARES, INC., a South Carolina corporation and a bank holding company (the "Borrower"), and THE BANKERS BANK, NATIONAL ASSOCIATION (the "Lender").

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