0001193125-08-144691 Sample Contracts

LOAN AGREEMENT
Loan Agreement • July 1st, 2008 • Oak Ridge Financial Services, Inc. • National commercial banks • North Carolina

Agreement, dated as of the 30th day of June, 2008, by and between Oak Ridge Financial Services, Inc., a North Carolina corporation and a bank holding company (the “Borrower”), and Silverton Bank, National Association (the “Lender”) (“Agreement”).

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STOCK PLEDGE AGREEMENT
Stock Pledge Agreement • July 1st, 2008 • Oak Ridge Financial Services, Inc. • National commercial banks • North Carolina

This Stock Pledge Agreement (this “Agreement”), dated as of this 30th day of June, 2008, is by and between OAK RIDGE FINANCIAL SERVICES, INC., a North Carolina corporation and a bank holding company (the “Borrower”), and SILVERTON BANK, NATIONAL ASSOCIATION (the “Lender”).

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