COASTAL FINANCIAL CORP Contracts & Agreements

Lease Amendment (Filed With SEC on March 16, 2023)

Form of 7.00% Fixed-to-Floating Rate Subordinated Note due November 1, 2032 (Filed With SEC on November 1, 2022)

Form of Subordinated Note Purchase Agreement, dated as of November 1, 2022 (Filed With SEC on November 1, 2022)

Employment agreement by and among Coastal Financial Corporation, Coastal Community Bank and Curt Queyrouze dated May 18, 2022 (Filed With SEC on August 5, 2022)

Underwriting Agreement, dated December 14, 2021, by and among the Company, the Bank and Keefe, Bruyette & Woods, Inc., as representative of the underwriters named in Schedule I... (Filed With SEC on December 20, 2021)

Underwriting Agreement, dated December 14, 2021, by and among the Company, the Bank and Keefe, Bruyette & Woods, Inc., as representative of the underwriters named in Schedule I... (Filed With SEC on December 17, 2021)

Second Amended and Restated Employment Agreement by and among Coastal Financial Corporation, Coastal Community Bank and Eric M. Sprink dated October 4, 2021 (Filed With SEC on October 7, 2021)

Form of 3.375% Fixed-to-Floating Rate Subordinated Note due September 1, 2031 (Filed With SEC on August 18, 2021)

Form of Subordinated Note Purchase Agreement, dated as of August 18, 2021 (Filed With SEC on August 18, 2021)

Amended Non-Employee Director Compensation Policy, as amended on October 26, 2020 (Filed With SEC on November 6, 2020)

FIRST AMENDMENT TO THE COASTAL FINANCIAL CORPORATION 2006 STOCK OPTION AND EQUITY COMPENSATION PLAN (Filed With SEC on August 7, 2020)

Form of Change in Control Severance Agreement (Filed With SEC on May 8, 2020)

Description of Securities (Filed With SEC on March 12, 2020)

Program Agreement dated as of September 26, 2018, by and between Coastal Community Bank and Aspiration Financial, LLC (Filed With SEC on March 21, 2019)

Program Agreement dated as of September 26, 2018, by and between Coastal Community Bank and Aspiration Financial, LLC (Filed With SEC on October 2, 2018)

Exchange Agreement, dated as of September 26, 2018, by and between Coastal Financial Corporation and CJA Private Equity Financial Restructuring Master Fund I LP (Filed With SEC on October 1, 2018)

Program Agreement dated as of May 17, 2018 by and between Coastal Community Bank and Aspiration Financial, LLC (Filed With SEC on July 13, 2018)

Form of Underwriting Agreement (Filed With SEC on July 10, 2018)

Form of common stock certificate of Coastal Financial Corporation (Filed With SEC on June 19, 2018)

2006 Stock Option and Equity Compensation Plan, as amended (Filed With SEC on June 19, 2018)

Directors Stock Bonus Plan (Filed With SEC on June 19, 2018)

2018 Omnibus Incentive Plan (Filed With SEC on June 19, 2018)

Coastal Financial Corporation Annual Incentive Plan (Filed With SEC on June 19, 2018)

Amended and Restated Employment Agreement by and among Coastal Financial Corporation, Coastal Community Bank, and Eric M. Sprink (Filed With SEC on June 19, 2018)

Amended and Restated Change in Control Severance Agreement by and among Coastal Financial Corporation, Coastal Community Bank, and Joel Edwards (Filed With SEC on June 19, 2018)

Commercial Real Estate Lease between JMHLS, LLC and Coastal Community Bank dated June 4, 2008 (Filed With SEC on June 19, 2018)

First Amendment of Commercial Real Estate Lease between JMHLS, LLC and Coastal Community Bank dated March 26, 2018 (Filed With SEC on June 19, 2018)

Lease dated October 21, 1996, between certain persons and Coastal Community Bank (Filed With SEC on June 19, 2018)

Lease Amendment 1.0 dated as of August 15, 2006, between certain persons and Coastal Community Bank (Filed With SEC on June 19, 2018)

Lease Amendment 2.0 dated as of March 31, 2008, between certain persons and Coastal Community Bank (Filed With SEC on June 19, 2018)

Lease Amendment 3.0 dated as of June 29, 2009, between certain persons and Coastal Community Bank (Filed With SEC on June 19, 2018)

Investment Agreement dated as of March 30, 2011, between Coastal Financial Corporation and Steven D. Hovde (Filed With SEC on June 19, 2018)

Investment Agreement dated as of March 30, 2011, between Coastal Financial Corporation and Montlake Capital II, L.P. and Montlake Capital II-B, L.P (Filed With SEC on June 19, 2018)

Investment Agreement dated as of March 20, 2012, between Coastal Financial Corporation and Montlake Capital II, L.P. and Montlake Capital II-B, L.P (Filed With SEC on June 19, 2018)

Investment Agreement dated as of March 30, 2011, between Coastal Financial Corporation and CJA Private Equity Financial Restructuring Master Fund I LP (Filed With SEC on June 19, 2018)

Investment Agreement dated as of March 20, 2012, between Coastal Financial Corporation and CJA Private Equity Financial Restructuring Master Fund I LP (Filed With SEC on June 19, 2018)

Investment Agreement dated as of April 6, 2012, between Coastal Financial Corporation and CJA Private Equity Financial Restructuring Master Fund I LP (Filed With SEC on June 19, 2018)

Investment Agreement dated as of April 13, 2012, between Coastal Financial Corporation and CJA Private Equity Financial Restructuring Master Fund I LP (Filed With SEC on June 19, 2018)

First Amendment to Investment Agreement dated as of May 9, 2018, between Coastal Financial Corporation and Steven D. Hovde (Filed With SEC on June 19, 2018)

First Amendment to Investment Agreements dated as of May 9, 2018, between Coastal Financial Corporation and Montlake Capital II, L.P. and Montlake Capital II-B, L.P (Filed With SEC on June 19, 2018)

First Amendment to Investment Agreements dated as of May 9, 2018, between Coastal Financial Corporation and CJA Private Equity Financial Restructuring Master Fund I LP (Filed With SEC on June 19, 2018)

Program Agreement dated as of May 17, 2018 by and between Coastal Community Bank and Aspiration Financial, LLC (Filed With SEC on June 19, 2018)

AGREEMENT AND PLAN OF MERGER dated as of (Filed With SEC on December 27, 2006)

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COASTAL FINANCIAL CORP Contracts & Agreements