COASTAL CAROLINA BANCSHARES, INC. SCBT, N.A, 2305 NORTH OAK STREET 950 JOHN C. CALHOUN DRIVE MYRTLE BEACH, SC 29577 PO BOX 9007 Line of Credit No. ORANGEBURG, SC 29116-9007 Date 01-29-2009 BORROWERS NAME AND ADDRESS LENDERS NAME AND ADDRESS Max. Credit Amt. 1,000,000.00 I includes each borrower above, jointly and severally. You means the lender, its successors and assigns. Loan Ref. No. .

Exhibit 10.12(b)

You have extended to me a line of credit in the

AMOUNT of ONE MILLION AND NO/100 $1,000,000.00.

You will make loans to me from time to time until 12:00 P.m. on 07-29-2009.  Although the line of credit expires on that date, I will remain obligated to perform all my duties under this agreement so long as I owe you any money advanced according to the terms of this agreement, as evidenced by any note or notes I have signed promising to repay these amounts.

This line of credit is an agreement between you and me.  It is not intended that any third party receive any benefit from this agreement, whether by direct payment, reliance for future payment or in any other manner.  This agreement is not a letter of credit.

1.   AMOUNT:  This line of credit is:

Subject to the obligatory or discretionary limitations above, this line of credit is:

2.   PROMISSORY NOTE:  I will repay any advances made according to this line of credit agreement as set out in the promissory note, I signed on 01-29-2009, or any note(s) I sign at a later time which represent advances under this agreement.  The note(s) set(s) out the terms relating to maturity, interest rate, repayment and advances.  If indicated on the promissory note, the advances will be made as follows:

3.   RELATED DOCUMENTS: I have signed the following documents in connection with this line of credit and note(s) entered into in accordance with this line of credit:

4.   REMEDIES: If I am in default on the note(s) you may:

a.  take any action as provided in the related documents;

b.  without notice to me, terminate this line of credit.

     By selecting any of these remedies you do not give up your right to later use any other remedy.  By deciding not to use any remedy should I default, you do not waive your right to later consider the event a default, if it happens again.

5.   COSTS AND FEES: If you hire an attorney to enforce this agreement I will pay your reasonable attorney’s fees, where permitted by law. I will also pay your court costs and costs of collection, where permitted by law.

6.   COVENANTS: For as long as this line of credit is in effect or I owe you money for advances made in accordance with the line of credit, I will do the following:

a.  maintain books and records of my operations relating to the need for this line of credit;

b.  permit you or any of your representatives to inspect and/or copy these records;

c.  provide to you any documentation requested by you which support the reason for making any advance under this line of credit;

d.  permit you to make any advance payable to the seller (or seller and me) of any items being purchased with that advance;

7.   NOTICES: All notices or other correspondence with me should be sent to my address stated above.  The notice or correspondence shall be effective when deposited in the mail, first class, or delivered to me in person.

8.   MISCELLANEOUS: This line of credit may not be changed except by a written agreement signed by you and me.  The law of the state in which you are located will govern this agreement.  Any term of this agreement which is contrary to applicable law will not be effective, unless the law permits you and me to agree to such a variation.

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