<SEC-DOCUMENT>0001104659-20-101672.txt : 20200902
<SEC-HEADER>0001104659-20-101672.hdr.sgml : 20200902
<ACCEPTANCE-DATETIME>20200902092824
ACCESSION NUMBER:		0001104659-20-101672
CONFORMED SUBMISSION TYPE:	S-3ASR
PUBLIC DOCUMENT COUNT:		11
FILED AS OF DATE:		20200902
DATE AS OF CHANGE:		20200902
EFFECTIVENESS DATE:		20200902

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlantic Union Bankshares Corp
		CENTRAL INDEX KEY:			0000883948
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				540412820
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-3ASR
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-248544
		FILM NUMBER:		201155844

	BUSINESS ADDRESS:	
		STREET 1:		1051 EAST CARY STREET
		STREET 2:		SUITE 1200
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23219
		BUSINESS PHONE:		800-990-4828

	MAIL ADDRESS:	
		STREET 1:		1051 EAST CARY STREET
		STREET 2:		SUITE 1200
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23219

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140430

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNION FIRST MARKET BANKSHARES CORP
		DATE OF NAME CHANGE:	20140424

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140424
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-3ASR
<SEQUENCE>1
<FILENAME>tm2029481d1_s3asr.htm
<DESCRIPTION>FORM S-3ASR
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>As filed with the Securities and Exchange
Commission on September&nbsp;2, 2020</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Registration Statement No.&nbsp;333-</B></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM&nbsp;S-3</B></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>REGISTRATION STATEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>UNDER</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>THE SECURITIES ACT OF 1933</I></B></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ATLANTIC UNION BANKSHARES CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Exact name of registrant as specified
in its charter)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; text-align: center; width: 48%"><FONT STYLE="font-size: 10pt"><B>Virginia</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 4%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; width: 48%"><FONT STYLE="font-size: 10pt"><B>54-1598552</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt"><B>(State or other jurisdiction of incorporation or organization)</B></FONT></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-size: 10pt"><B>(I.R.S. Employer Identification Number)</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>1051 East Cary Street, Suite&nbsp;1200</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Richmond, Virginia 23219</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(804) 633-5031</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Address, including zip code, and telephone
number, including area code, of registrant&rsquo;s principal executive offices)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Rachael R. Lape,&nbsp;Esq.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Executive Vice President, General Counsel
and Corporate Secretary</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Atlantic Union Bankshares Corporation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>1051 East Cary Street, Suite&nbsp;1200</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Richmond, Virginia 23219</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(804) 633-5031</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(Name, address, including zip code, and
telephone number, including area code, of agent for service)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>Copies to:</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Jacob A. Lutz,&nbsp;III,&nbsp;Esq.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Mark W. Jones,&nbsp;Esq.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Troutman Pepper Hamilton Sanders LLP</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Troutman Pepper Building</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>1001 Haxall Point</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Richmond, Virginia 23219</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(804) 697-1200</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><B>Approximate date of commencement of
proposed sale to the public:</B> From time to time after this registration statement becomes effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If the only securities being registered
on this Form&nbsp;are being offered pursuant to dividend or interest reinvestment plans, please check the following box. <FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If any of the securities being registered
on this Form&nbsp;are to be offered on a delayed or continuous basis pursuant to Rule&nbsp;415 under the Securities Act of 1933,
other than securities offered only in connection with dividend or interest reinvestment plans, check the following box. <FONT STYLE="font-family: Wingdings">&#120;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If this Form&nbsp;is filed to register
additional securities for an offering pursuant to Rule&nbsp;462(b)&nbsp;under the Securities Act, please check the following box
and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.
<FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If this Form&nbsp;is a post-effective
amendment filed pursuant to Rule&nbsp;462(c)&nbsp;under the Securities Act, check the following box and list the Securities Act
registration statement number of the earlier effective registration statement for the same offering. <FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If this Form&nbsp;is a registration statement
pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission
pursuant to Rule&nbsp;462(e)&nbsp;under the Securities Act, check the following box. <FONT STYLE="font-family: Wingdings">&#120;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If this Form&nbsp;is a post-effective
amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional
classes of securities pursuant to Rule&nbsp;413(b)&nbsp;under the Securities Act, check the following box. <FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Indicate by check mark whether the registrant
is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth
company. See the definitions of &ldquo;large accelerated filer,&rdquo; &ldquo;accelerated filer,&rdquo; &ldquo;smaller reporting
company&rdquo; and &ldquo;emerging growth company&rdquo; in Rule&nbsp;12b-2 of the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 20%"><FONT STYLE="font-size: 10pt">Large accelerated filer</FONT></TD><TD STYLE="width: 5%; text-align: left"><FONT STYLE="font-family: Wingdings">&#120;</FONT>&nbsp;</TD>
    <TD STYLE="width: 50%">&nbsp;</TD><TD STYLE="text-align: justify; width: 20%">Accelerated
filer</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;</TD>
</TR>               <TR STYLE="vertical-align: top; text-align: justify">
<TD><FONT STYLE="font-size: 10pt">Non-accelerated filer</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;</TD>
    <TD>&nbsp;</TD><TD STYLE="text-align: justify">Smaller
reporting company</TD>
    <TD><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: justify">
<TD>&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD>&nbsp;</TD><TD STYLE="text-align: justify">Emerging growth company</TD>
    <TD><FONT STYLE="font-family: Wingdings">&#168;</FONT>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If an emerging growth company, indicate by check mark if the
registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section&nbsp;7(a)(2)(B)&nbsp;of the Securities Act. <FONT STYLE="font-family: Wingdings">&#168;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CALCULATION OF REGISTRATION FEE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; width: 35%; font-size: 10pt; font-weight: bold; text-align: center; padding-left: 5.4pt">Title of Each Class&nbsp;of <BR>
Securities to be Registered</TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; width: 15%; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt"><B>Amount to be<BR>
</B></FONT> <FONT STYLE="font-size: 10pt"><B>Registered (1)</B></FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: center; width: 1%; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 15%; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt"><B>Proposed Maximum<BR>
</B></FONT> <FONT STYLE="font-size: 10pt"><B>Offering Price Per<BR>
</B></FONT> <FONT STYLE="font-size: 10pt"><B>Unit (1)</B></FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: center; width: 1%; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 15%; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt"><B>Proposed Maximum<BR>
</B></FONT> <FONT STYLE="font-size: 10pt"><B>Aggregate Offering<BR>
</B></FONT> <FONT STYLE="font-size: 10pt"><B>Price (1)</B></FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: center; width: 1%; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 15%; font-size: 10pt; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt"><B>Amount of<BR>
</B></FONT> <FONT STYLE="font-size: 10pt"><B>Registration Fee (2)</B></FONT></TD><TD STYLE="padding-bottom: 1pt; width: 1%; font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-indent: -8pt; padding-left: 8pt">Common Stock, par value $1.33 per share</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-indent: -8pt; padding-left: 8pt">Preferred Stock, par value $10.00 per share</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-indent: -8pt; padding-left: 8pt">Depositary Shares</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -8pt; padding-left: 8pt">Debt Securities</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-indent: -8pt; padding-left: 8pt">Warrants</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: left; text-indent: -8pt; padding-left: 8pt">Purchase Contracts</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-indent: -8pt; padding-left: 8pt">Units</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">&mdash;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
</TABLE>



<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(1)</TD><TD><FONT STYLE="background-color: white">An indeterminate aggregate initial offering price or number of the securities of the
identified class is being registered as may from time to time be offered at indeterminate prices, along with an indeterminate number
of securities that may be issued upon exercise, settlement, exchange or conversion of securities offered hereunder, including under
any applicable anti-dilution provisions. </FONT>The indeterminate amount includes securities which may be purchased by underwriters
to cover over-allotments, if any. <FONT>Separate consideration may or may not be received for securities
that are issuable upon exercise, settlement, exchange, exchange or conversion of other securities or that are issued in units.</FONT>
Any registered securities may be sold separately or as units with other securities registered under this Registration Statement.
The proposed maximum offering price per security will be determined by the Registrant in connection with the issuance of the securities
registered hereunder.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="border-bottom: Black 1pt solid; width: 0"></TD><TD STYLE="border-bottom: Black 1pt solid; width: 0.25in">(2)</TD><TD STYLE="border-bottom: Black 1pt solid"><FONT>In accordance with Rules&nbsp;456(b)&nbsp;and 457(r)&nbsp;under the Securities Act of
1933, as amended (the &ldquo;Securities Act&rdquo;), the Registrant is deferring payment of all of the registration fee, which
will be paid on a pay-as-you-go-basis, except for the fee that has already been paid with respect to securities having an aggregate
offering price of $50,000,000 that were previously registered on Registration Statement No.&nbsp;333-220398 filed by the Registrant
on September&nbsp;8, 2017 and remain unsold. Pursuant to Rule&nbsp;415(a)(6)&nbsp;under the Securities Act, the $6,440 fee previously
paid by the Registrant in connection with the original registration of the unsold securities will continue to be applied to such
securities.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Prospectus</B></P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2029481d1_s3asrimg002.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ATLANTIC UNION BANKSHARES CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Common Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Preferred Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Depositary Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Debt Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Warrants</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Purchase Contracts</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Units</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may offer and sell from time to time,
in one or more offerings, common stock, preferred stock, depositary shares representing interests in shares of preferred stock,
debt securities (which may be senior or subordinated debt securities), warrants, purchase contracts or units in amounts, at prices
and on other terms to be determined at the time of the offering. The securities offered by this prospectus may be sold separately,
together or in combination with any other securities offered hereby. <FONT STYLE="background-color: white">The securities offered
by this prospectus may be convertible into or exercisable or exchangeable for other of our securities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">This prospectus describes the general terms
of these securities and the general manner in which we will offer the securities. The specific terms of any securities we offer
will be included in a supplement to this prospectus. The prospectus supplement will also describe the specific manner in which
we will offer the securities. The prospectus supplement may also add, update or change information contained in this prospectus.
You should read this prospectus, any applicable prospectus supplement or related free writing prospectus and the documents incorporated
therein by reference carefully before you invest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may offer and sell these securities
on a delayed or continuous basis to or through one or more agents, underwriters or dealers as designated from time to time, directly
to one or more purchasers, through a combination of these methods or any other method as provided in the applicable prospectus
supplement. If any agents, underwriters or dealers are involved in the sale of any of these securities, the applicable prospectus
supplement will set forth their names and any applicable fees, commissions or discounts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our common stock is traded on the NASDAQ
Global Select Market under the symbol &ldquo;AUB.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><B>Investing in our securities involves
a high degree of risk. You should carefully consider the risks and uncertainties described under the heading &ldquo;<I>Risk Factors</I>&rdquo;
beginning on page&nbsp;6 of this prospectus, as well as the risks and uncertainties described under similar headings in any applicable
prospectus supplement or related free writing prospectus and in the other documents that are incorporated or deemed to be incorporated
by reference into this prospectus or the applicable prospectus supplement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><B>Neither the Securities and Exchange
Commission nor any state securities commission has approved or disapproved of these securities or determined if this prospectus
is accurate or complete. Any representation to the contrary is a criminal offense.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><B>These securities are our unsecured obligations
and are not savings accounts, deposits or other obligations of any bank or non-bank subsidiary of ours and are not insured or guaranteed
by the Federal Deposit Insurance Corporation or any other governmental agency or instrumentality.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">The date of this prospectus is September&nbsp;2,
2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><U>Page</U></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 90%; text-align: left"><A HREF="#sp1-001">ABOUT THIS PROSPECTUS</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: right"><A HREF="#sp1-001">1</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp1-002">WHERE YOU CAN FIND MORE INFORMATION</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp1-002">2</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp1-003">DOCUMENTS INCORPORATED BY REFERENCE</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp1-003">3</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp1-004">NOTE OF CAUTION REGARDING FORWARD-LOOKING STATEMENTS</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp1-004">4</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp1-005">RISK FACTORS</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp1-005">6</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp1-006">ATLANTIC UNION BANKSHARES CORPORATION</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp1-006">7</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="#sp1-007">USE OF PROCEEDS</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp1-007">8</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp1-008">REGULATORY CONSIDERATIONS</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp1-008">9</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp1-009">DESCRIPTION OF CAPITAL STOCK</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp1-009">10</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp1-010">DESCRIPTION OF COMMON STOCK</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp1-010">11</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp02_001">DESCRIPTION OF PREFERRED STOCK</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp02_001">16</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="#sp02_002">DESCRIPTION OF DEPOSITARY SHARES</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp02_002">25</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp3_001">DESCRIPTION OF DEBT SECURITIES</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp3_001">30</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="#sp3_002">DESCRIPTION OF WARRANTS</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp3_002">37</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp3_003">DESCRIPTION OF PURCHASE CONTRACTS</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp3_003">39</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="#sp3_004">DESCRIPTION OF UNITS</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp3_004">40</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp3_005">DESCRIPTION OF GLOBAL SECURITIES</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp3_005">41</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><A HREF="#sp4_001">BOOK-ENTRY ISSUANCE</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp4_001">43</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="#sp4_002">PLAN OF DISTRIBUTION</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp4_002">45</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="#sp4_003">VALIDITY OF SECURITIES</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp4_003">47</A></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><A HREF="#sp4_004">EXPERTS</A></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><A HREF="#sp4_004">47</A></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp1-001"></A>ABOUT THIS PROSPECTUS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless the context requires otherwise,
in this prospectus we use the terms &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our,&rdquo; &ldquo;Atlantic Union&rdquo; and the
&ldquo;Company&rdquo; to refer to Atlantic Union Bankshares Corporation. We sometimes refer to Atlantic Union Bank as our &ldquo;community
bank&rdquo; or &ldquo;bank subsidiary.&rdquo; References to &ldquo;securities&rdquo; include any security that we might sell under
this prospectus or any prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">This prospectus is part of a registration
statement that we have filed with the Securities and Exchange Commission (the &ldquo;SEC&rdquo;), using a &ldquo;shelf&rdquo; registration
process. Under the shelf registration process, using this prospectus, together with a prospectus supplement, we may sell, from
time to time, in one or more offerings, any combination of the securities described in this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">This prospectus provides you with a general
description of the securities we may offer. Each time we offer securities, we will provide a prospectus supplement that will contain
specific information about the terms of that offering. The prospectus supplement may also add, update or change information contained
in this prospectus. You should read this prospectus, any applicable prospectus supplement or related free writing prospectus and
the documents incorporated therein by reference carefully before you invest. See &ldquo;Where You Can Find More Information&rdquo;
for more information. If there is any inconsistency between the information in this prospectus and any prospectus supplement, you
should rely on the information in the prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="background-color: white">This
prospectus contains summaries of certain provisions contained in some of the documents described herein. Please refer to the actual
documents for complete information. All of the summaries are qualified in their entirety by the actual documents. Copies of the
documents referred to herein have been filed, or will be filed or incorporated by reference as exhibits to the registration statement
of which this prospectus is a part, and you may obtain copies of those documents as described below under the heading &ldquo;Where
You Can Find More Information.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our SEC registration statement containing
this prospectus, including exhibits, provides additional information about us and the securities offered under this prospectus.
The registration statement can be read at the SEC&rsquo;s website or at the SEC&rsquo;s offices. The SEC&rsquo;s website and street
addresses are provided under the heading &ldquo;Where You Can Find More Information.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="background-color: white"><B>We
are only responsible for the information contained in or incorporated by reference in this prospectus, any accompanying prospectus
supplement or any related free writing prospectus. We have not authorized anyone to provide any information other than that contained
or incorporated by reference in this prospectus, in any accompanying prospectus supplement and in any related free writing prospectus
prepared by or on behalf of us or to which we have referred you. We take no responsibility for, and can provide no assurance as
to the reliability of, any other information that others may give you. We are not making an offer to sell any securities in any
jurisdiction where the offer or sale is not permitted. You should not assume that the information contained in this prospectus
or any prospectus supplement or in any such free writing prospectus is accurate as of any date other than their respective dates.
In the case of information contained in documents we file with the SEC and incorporate by reference in this prospectus, you should
assume that such information is accurate only as of the respective dates of those documents. Our business, financial condition,
results of operations and prospects may have changed since those dates.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may sell our securities to underwriters
who will in turn sell the securities to the public on terms fixed at the time of sale. In addition, the securities may be sold
by us directly or through dealers or agents which we may designate from time to time. If we, directly or through agents, solicit
offers to purchase the securities, we reserve the sole right to accept and, together with our agents, to reject, in whole or in
part, any of those offers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">A prospectus supplement will contain the
names of the agents, underwriters or dealers, if any, together with the terms of the offering, any initial public offering price,
the price paid to us for the securities, the manner of distribution, the compensation of any agents, underwriters or dealers and
the net proceeds to be received by Atlantic Union. Any underwriters, dealers or agents participating in the offering may be deemed
&ldquo;underwriters&rdquo; within the meaning of the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp1-002"></A>WHERE YOU CAN FIND MORE INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">This prospectus is a part of a registration
statement on Form&nbsp;S-3 that we have filed with the SEC under the Securities Act. This prospectus does not contain all the information
set forth in the registration statement, certain parts of which are omitted in accordance with the rules&nbsp;and regulations of
the SEC. For further information with respect to us and the securities offered by this prospectus, reference is made to the registration
statement, including the exhibits to the registration statement and the documents incorporated by reference in the registration
statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We file annual, quarterly and current reports,
proxy statements and other information with the SEC. Our filings, including the registration statement, are available to the public
from commercial document retrieval services and at the SEC&rsquo;s Internet website at <I>http://www.sec.gov</I>. Our SEC filings
are also available at no cost on our website at <I>http://investors.atlanticunionbank.com</I>, as soon as reasonably practicable
after we file such documents with the SEC. We are not incorporating the information on our website into this prospectus, and the
information on the website is not included in, nor is it a part of, this prospectus or any prospectus supplement. Our SEC file
number is 001-39325.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp1-003"></A>DOCUMENTS INCORPORATED BY REFERENCE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We incorporate by reference into this prospectus
the information we file with the SEC, which means that we can disclose important information to you by referring you to those documents.
The information incorporated by reference is an important part of this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><FONT STYLE="background-color: white">The
information incorporated by reference is deemed to be part of this prospectus, except to the extent superseded by information contained
in this prospectus or by information contained in documents filed with the SEC after the date of this prospectus.</FONT> We incorporate
by reference the documents listed below (except Items 2.02 and 7.01 of any Current Report on Form&nbsp;8-K, unless otherwise indicated
in the Form&nbsp;8-K):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 19.4pt"></TD><TD STYLE="width: 17.3pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000155837020001345/aub-20191231x10k5152b8.htm" STYLE="-sec-extract: exhibit">our Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2019, filed with the SEC on February&nbsp;25, 2020 (&ldquo;Annual Report&rdquo;);</A></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>our Quarterly Reports on Form&nbsp;10-Q for the quarters ended (i)&nbsp;<A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000155837020005895/aub-20200508x10q.htm" STYLE="-sec-extract: exhibit">March&nbsp;31, 2020, filed on May&nbsp;8, 2020</A>, and
(ii)&nbsp;<A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000155837020009190/aub-20200630x10q.htm" STYLE="-sec-extract: exhibit">June&nbsp;30, 2020, filed on August&nbsp;5, 2020</A>;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 19.4pt"></TD><TD STYLE="width: 17.3pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>our Current Reports on Form&nbsp;8-K filed on <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000088394820000003/aub-20200107x8k.htm" STYLE="-sec-extract: exhibit">January&nbsp;7, 2020</A>, <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000088394820000010/aub-20200123x8k.htm" STYLE="-sec-extract: exhibit">January&nbsp;23, 2020</A>, <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000110465920036844/tm2013383d1_8k.htm" STYLE="-sec-extract: exhibit">March&nbsp;20, 2020</A>, <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000088394820000019/aub-20200407x8k.htm" STYLE="-sec-extract: exhibit">April&nbsp;7, 2020</A>, <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000088394820000025/aub-20200505x8k.htm" STYLE="-sec-extract: exhibit">May&nbsp;6, 2020</A>, <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000088394820000028/aub-20200507x8k.htm" STYLE="-sec-extract: exhibit">May&nbsp;7, 2020</A>, <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000110465920069497/tm2021570d1_8k.htm" STYLE="-sec-extract: exhibit">June&nbsp;3, 2020</A>, <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000110465920071380/tm2022030d1_8k.htm" STYLE="-sec-extract: exhibit">June&nbsp;9, 2020</A>, <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000155837020008041/aub-20200707x8k.htm" STYLE="-sec-extract: exhibit">July&nbsp;7, 2020</A> and <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000154478420000009/aub-20200724x8k.htm" STYLE="-sec-extract: exhibit">July&nbsp;24, 2020</A>; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 19.4pt"></TD><TD STYLE="width: 17.3pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the description of common stock contained in our registration
                                                                                                               statement on <A HREF="http://www.sec.gov/Archives/edgar/data/883948/0000916641-99-000572-index.html" STYLE="-sec-extract: exhibit">Form&nbsp;8-A,
                                                                                                               as filed with the SEC on July&nbsp;2, 1999</A> (incorporated by reference from Atlantic Union&rsquo;s registration statement
                                                                                                               on&nbsp;<A HREF="http://www.sec.gov/Archives/edgar/data/883948/0000916641-98-000429-index.html" STYLE="-sec-extract: exhibit">Form
                                                                                                               S-4 (file no. 333-49563), originally filed with the SEC on April&nbsp;7, 1998</A>), as updated by </FONT><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000155837020001345/ex-4d4.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;4.4
                                                                                                               to our Annual Report</A>, <FONT STYLE="font-family: Times New Roman, Times, Serif">including any subsequently filed
                                                                                                               amendments and reports updating such description.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We also incorporate by reference any future
filings we make with the SEC under Sections 13(a), 13(c), 14 or 15(d)&nbsp;of the Exchange Act between the date of this prospectus
and the date that all of the securities offered by this prospectus or any prospectus supplement are sold or the offering is otherwise
terminated; provided, however, that we are not incorporating by reference any information furnished under Item 2.02 or 7.01 of
any Current Report on Form&nbsp;8-K (unless otherwise indicated). Any statement contained in a document incorporated by reference
in this prospectus shall be deemed to be modified or superseded for purposes of this prospectus to the extent that a statement
contained in this prospectus, or in any other document filed later which is also incorporated in this prospectus by reference,
modifies or supersedes the statement. Any statement so modified or superseded shall not be deemed to constitute a part of this
prospectus except as so modified or superseded. The information contained in this prospectus should be read together with the information
in the documents incorporated in this prospectus by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">You may obtain any of these incorporated
documents from us without charge, excluding any exhibits to these documents unless the exhibit is specifically incorporated by
reference in such document, by requesting them from us in writing or by telephone at the following address:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Rachael R. Lape</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Executive Vice President, General Counsel
and Corporate Secretary</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Atlantic Union Bankshares Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">1051 East Cary Street, Suite&nbsp;1200</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Richmond, Virginia 23219</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(804) 633-5031</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">These incorporated documents may also be
available on our website at <I>http://investors.atlanticunionbank.com. </I>Except for incorporated documents, information contained
on our website is not a prospectus and does not constitute part of this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="sp1-004"></A><B>NOTE OF CAUTION REGARDING FORWARD-LOOKING
STATEMENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; border: white 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif">Certain
statements in this prospectus, any accompanying prospectus supplement or related free writing prospectus and the documents incorporated
by reference in this prospectus or in any accompanying prospectus supplement </FONT>which are not statements of historical fact
constitute forward-looking statements within the meaning of, and subject to the protections of, Section&nbsp;27A of the Securities
Act and Section&nbsp;21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements include statements with
respect to our beliefs, plans, objectives, goals, targets, expectations, anticipations, assumptions, estimates, intentions and
future performance and involve known and unknown risks, many of which are beyond our control and which may cause our actual results,
performance or achievements or the commercial banking industry or economy generally, to be materially different from future results,
performance or achievements expressed or implied by such forward-looking statements. Forward-looking statements are often accompanied
by words that convey projected future events or outcomes such as &ldquo;expect,&rdquo; &ldquo;believe,&rdquo; &ldquo;estimate,&rdquo;
&ldquo;plan,&rdquo; &ldquo;project,&rdquo; &ldquo;anticipate,&rdquo; &ldquo;intend,&rdquo; &ldquo;will,&rdquo; &ldquo;may,&rdquo;
&ldquo;view,&rdquo; &ldquo;opportunity,&rdquo; &ldquo;potential,&rdquo; or words of similar meaning. To the extent that any of
the information in <FONT STYLE="font-family: Times New Roman, Times, Serif">this prospectus, any accompanying prospectus supplement
or related free writing prospectus and the documents incorporated by reference in this prospectus or in any accompanying prospectus
supplement</FONT> is forward-looking, it is intended to fit within the safe harbor for forward-looking information provided by
the Private Securities Litigation Reform Act of 1995.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; border: white 1pt solid">Forward-looking
statements are subject to various risks and uncertainties, which change over time, are based on management&rsquo;s expectations
and assumptions at the time the statements are made and are not guarantees of future results. Actual future performance, outcomes
and results may differ materially from those expressed in or contemplated by these forward-looking statements due to certain risks,
uncertainties and assumptions, many of which are beyond our ability to control or predict. Certain factors that may affect our
future results include, but are not limited to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">changes in interest rates;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">general economic and financial market conditions, in the United States
generally and particularly in the markets in which the Company operates and which its loans are concentrated, including the effects
of declines in real estate values, an increase in unemployment levels and slowdowns in economic growth, including as a result of
the novel strain of coronavirus first identified in December&nbsp;2019 in Wuhan, China (&ldquo;COVID-19&rdquo;);</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the quality or composition of the loan or investment portfolios and
changes therein;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">demand for loan products and financial services in our market area;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">our ability to manage our growth or implement our growth strategy;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the introduction of new lines of business or new products and services;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">our ability to recruit and retain key employees;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the incremental cost and/or decreased revenues associated with exceeding
$10 billion in assets;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">real estate values in Atlantic Union Bank's lending area;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">an insufficient allowance for credit losses;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">changes in accounting principles relating to current expected credit
losses;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">our liquidity and capital positions;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">concentrations of loans secured by real estate, particularly commercial
real estate;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the effectiveness of our credit processes and management of our credit
risk;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">our ability to compete in the market for financial services;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">technological risks and developments, and cyber threats, attacks,
or events;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the potential adverse effects of unusual and infrequently occurring
events, such as weather-related disasters, terrorist acts or public health events (such as the COVID-19 pandemic), and of governmental
and societal responses thereto; these potential adverse effects may include, without limitation, adverse effects on the ability
of our borrowers to satisfy their obligations to us, on the value of collateral securing loans, on the demand for our loans or
our other products and services, on incidents of cyberattack and fraud, on our liquidity or capital positions, on risks posed by
reliance on third-party service providers, on other aspects of our business operations and on financial markets and economic growth;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the effect of steps we take in response to the COVID-19 pandemic,
the severity and duration of the pandemic, including whether there is a &ldquo;second wave&rdquo; as a result of the loosening
of governmental restrictions, the pace of recovery when the pandemic subsides and the heightened impact it has on many of the risks
described herein;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">performance by our counterparties or vendors;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">deposit flows;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the availability of financing and the terms thereof;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the level of prepayments on loans and mortgage-backed securities;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">legislative or regulatory changes and requirements, including the
impact of the CARES Act and other legislative and regulatory reactions to COVID-19;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">potential claims, damages, and fines related to litigation or government
actions, including litigation or actions arising from the Company's participation in and administration of programs related to
COVID-19, including, among other things, the Coronavirus Aid, Relief, and Economic Security Act;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">legislative or regulatory changes and requirements;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">the effects of changes in federal, state or local tax laws and regulations;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">monetary and fiscal policies of the U.S. government including policies
of the U.S. Department of the Treasury and the Federal Reserve;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">changes to applicable accounting principles and guidelines;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">other factors, many of which are beyond our control; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the risks outlined under the heading &ldquo;<I>Risk Factors</I>&rdquo; beginning on page&nbsp;6 of this prospectus, as well
as the risks and uncertainties described under similar headings in any applicable prospectus supplement or related free writing
prospectus and in the other documents that are incorporated or deemed to be incorporated by reference into this prospectus or the
applicable prospectus supplement. See &ldquo;Where You Can Find More Information&rdquo; and &ldquo;Documents Incorporated by Reference.&rdquo;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; border: white 1pt solid">Should one or more
of the foregoing risks materialize, or should underlying assumptions prove incorrect, actual results or outcomes may vary materially
from those described in the forward-looking statements. Forward-looking statements included herein should not be relied upon as
representing our expectations or beliefs as of any date subsequent to the date of this prospectus. Except as required by law, we
undertake no obligation to update or revise any forward-looking statements contained in this prospectus, any accompanying prospectus
supplement, related free writing prospectus or document incorporated by reference herein or therein, whether as a result of new
information, future events or otherwise. The factors discussed herein are not intended to be a complete summary of all risks and
uncertainties that may affect our businesses. Though we strive to monitor and mitigate risk, we cannot anticipate all potential
economic, operational and financial developments that may adversely impact our operations and our financial results. Forward-looking
statements should not be viewed as predictions and should not be the primary basis upon which investors evaluate an investment
in our securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; border: white 1pt solid">Any investor in
our securities should consider all risks and uncertainties disclosed in our SEC filings described above under the heading &ldquo;<I>Where
You Can Find More Information</I>,&rdquo; all of which are accessible on the SEC&rsquo;s website at <I>http://www.sec.gov</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp1-005"></A>RISK FACTORS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Investing in our securities involves a
high degree of risk. Before making an investment decision, you should carefully consider the risks and uncertainties described
under &ldquo;Risk Factors&rdquo; in any applicable prospectus supplement and in our most recent Annual Report on Form&nbsp;10-K,
and in our updates to those risk factors in our Quarterly Reports on Form&nbsp;10-Q, together with all of the other information
appearing in this prospectus or incorporated or deemed to be incorporated by reference into this prospectus and any applicable
prospectus supplement, in light of your particular investment objectives and financial circumstances. In addition to those risk
factors, there may be additional risks and uncertainties of which management is not aware or focused on or that management deems
immaterial. Our business, financial condition or results of operations could be materially adversely affected by any of these risks.
The trading price of our securities could decline due to any of these risks, and you may lose all or part of your investment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp1-006"></A>ATLANTIC UNION BANKSHARES CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Atlantic Union Bankshares Corporation is
a financial holding company and bank holding company organized under the laws of the Commonwealth of Virginia and registered under
the Bank Holding Company Act of 1956. Headquartered in Richmond, Virginia, we are committed to the delivery of financial services
through our subsidiary Atlantic Union Bank and non-bank financial services affiliates. Atlantic Union Bank has 149 branches and
approximately 170 ATMs located throughout Virginia, and in portions of Maryland and North Carolina. Middleburg Financial is a brand
name used by Atlantic Union Bank and certain affiliates when providing trust, wealth management, private banking, and investment
advisory products and services. Certain non-bank affiliates of Atlantic Union Bank include: Old Dominion Capital Management,&nbsp;Inc.,
and its subsidiary, Outfitter Advisors,&nbsp;Ltd., Dixon, Hubard, Feinour,&nbsp;&amp; Brown,&nbsp;Inc., and Middleburg Investment
Services, LLC, which provide investment advisory and/or brokerage services; and Union Insurance Group, LLC, which offers various
lines of insurance products. Our common stock is traded on the NASDAQ Global Select Market under the symbol &ldquo;AUB.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our principal executive offices are located
at 1051 East Cary Street, Suite&nbsp;1200, Richmond, Virginia 23219, and our telephone number is (804) 633-5031. Our website can
be accessed at <I>http://investors.atlanticunionbank.com</I>. We are not incorporating the information on our website into this
prospectus, and the information on the website is not included in, nor is it a part of, this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">For more information about Atlantic Union,
see &ldquo;Where You Can Find More Information&rdquo; beginning on page&nbsp;2.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp1-007"></A>USE OF PROCEEDS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless we state otherwise in an accompanying
prospectus supplement, we intend to use the net proceeds from the sale of the securities offered by us under this prospectus and
any related prospectus supplement for general corporate purposes. These purposes may include investing in, or extending credit
to, our operating subsidiaries; investments at the holding company level; reducing or refinancing existing debt; possible acquisitions;
and other purposes as described in any prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Pending such use, we may temporarily invest
the net proceeds of any offering. The precise amounts and timing of the application of proceeds will depend upon our funding requirements
and the availability of other funds. Except as indicated in a prospectus supplement, allocations of the proceeds to specific purposes
will not have been made at the date of that prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We continually evaluate possible business
combination opportunities. As a result, future business combinations involving cash, debt or equity securities may occur. Any future
business combination or series of business combinations that we might undertake may be material, in terms of assets acquired, liabilities
assumed or otherwise, to our financial condition.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp1-008"></A>REGULATORY CONSIDERATIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We are extensively regulated under both
federal and state law. As a financial holding company and a bank holding company registered under the Bank Holding Company Act
of 1956, we are subject to supervision, regulation and examination by the Board of Governors of the Federal Reserve System (the
&ldquo;Federal Reserve&rdquo;). We are also registered under the bank holding company laws of Virginia, and accordingly are subject
to regulation and supervision by the Virginia State Corporation Commission. Our subsidiary bank, Atlantic Union Bank, is also supervised,
regulated and regularly examined by the Federal Reserve and the Virginia State Corporation Commission. The deposit insurance for
accounts with Atlantic Union Bank is provided by the Federal Deposit Insurance Corporation (the &ldquo;FDIC&rdquo;) through the
Deposit Insurance Fund. This regulatory framework is intended primarily for the protection of consumers, depositors and the Deposit
Insurance Fund of the FDIC, and not for the protection of security holders. For a discussion of the material elements of the regulatory
framework applicable to financial holding companies and bank holding companies and their subsidiaries and specific information
relevant to us, please refer to our Annual Report and any subsequent reports we file with the SEC, which are incorporated by reference
in this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp1-009"></A>DESCRIPTION OF CAPITAL STOCK</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The authorized capital stock of Atlantic
Union consists of (i)&nbsp;200,000,000 shares of common stock, par value $1.33 per share; and (ii)&nbsp;500,000 shares of preferred
stock, par value $10.00 per share, which may be issued in series with such powers, designations and rights as may be established
from time to time by our Board of Directors. Our Board of Directors has designated 17,250 shares of preferred stock as 6.875% Perpetual
Non-Cumulative Preferred Stock, Series&nbsp;A, par value $10.00 per share (the &ldquo;Series&nbsp;A Preferred Stock&rdquo;), with
a liquidation preference of $10,000 per share of Series&nbsp;A Preferred Stock. As of August&nbsp;18, 2020, there were 78,711,789
shares of our common stock issued and outstanding held by approximately 6,701 holders of record and 17,250 shares of our Series&nbsp;A
Preferred Stock issued and outstanding. The shares of Series&nbsp;A Preferred Stock are represented by 6,900,000 depositary shares,
each representing a 1/400<SUP>th</SUP> ownership interest in a share of Series&nbsp;A Preferred Stock (the &ldquo;Depositary Shares&rdquo;).
Additional details concerning the Depositary Shares are provided below under &ldquo;Description of Depositary Shares.&rdquo; As
of August&nbsp;18, 2020, there were options outstanding to purchase 366,656 shares of our common stock and 418,695 shares were
subject to unvested restricted stock awards, all granted under our equity compensation plans. See &ldquo;Description of Common
Stock&rdquo; and &ldquo;Description of Preferred Stock&rdquo; for more information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp1-010"></A>DESCRIPTION OF COMMON STOCK</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following summary description of the
material features of the common stock of Atlantic Union is qualified in its entirety by reference to the applicable provisions
of Virginia law and by Atlantic Union&rsquo;s Articles of Incorporation, as amended and restated (the &ldquo;Articles&rdquo;),
and Atlantic Union&rsquo;s Bylaws, as amended and restated (the &ldquo;Bylaws&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Each share of our common stock has the
same relative rights as, and is identical in all respects to, each other share of our common stock. Our common stock is traded
on the NASDAQ Global Select Market under the symbol &ldquo;AUB.&rdquo; All of the outstanding shares of common stock are, and any
common stock issued and sold under this prospectus will be, fully paid and nonassessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The transfer agent for our common stock
is Computershare, 250 Royall Street, Canton, Massachusetts 02021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Dividends</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our shareholders are entitled to receive
dividends or distributions that our Board of Directors (also referred to as the &ldquo;Board&rdquo;) may declare out of funds legally
available for those payments. The payment of distributions by Atlantic Union is subject to the restrictions of Virginia law applicable
to the declaration of distributions by a corporation. A Virginia corporation generally may not authorize and make distributions
if, after giving effect to the distribution, it would be unable to meet its debts as they become due in the usual course of business
or if the corporation&rsquo;s total assets would be less than the sum of its total liabilities plus the amount that would be needed,
if it were dissolved at that time, to satisfy the preferential rights of shareholders whose rights are superior to the rights of
those receiving the distribution. In addition, the payment of distributions to shareholders is subject to any prior rights of holders
of outstanding preferred stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">As a bank holding company, our ability
to pay dividends is affected by the ability of Atlantic Union Bank, our bank subsidiary, to pay dividends to us. The ability of
our bank subsidiary, as well as Atlantic Union, to pay dividends in the future is, and could be further, influenced by bank regulatory
requirements and capital guidelines.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Liquidation Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In the event of any liquidation, dissolution
or winding up of Atlantic Union, the holders of shares of our common stock will be entitled to receive, after payment of all debts
and liabilities of Atlantic Union and after satisfaction of all liquidation preferences applicable to any preferred stock, all
remaining assets of Atlantic Union available for distribution in cash or in kind.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Voting Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The holders of our common stock are entitled
to one vote per share, and in general, a majority of votes cast with respect to a matter is sufficient to authorize action upon
routine matters. Directors are elected by a majority of the votes cast in uncontested director elections. Atlantic Union maintains
a &ldquo;plurality vote&rdquo; standard in contested director elections (i.e., where the number of nominees exceeds the number
of directors to be elected). The holders of our common stock are not entitled to cumulative voting rights in the election of directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Directors and Classes of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Until our 2021 annual meeting of shareholders,
our Board of Directors will be divided into three classes, apportioned as evenly as possible, with directors serving staggered
three-year terms. Notwithstanding the foregoing and without shortening the term of any director previously elected, (i)&nbsp;at
our 2021 annual meeting of shareholders, director nominees whose terms expire at that meeting will be elected to hold office until
our 2022 annual meeting of shareholders, (ii)&nbsp;at our 2022 annual meeting of shareholders, director nominees whose terms expire
at that meeting will be elected to hold office until our 2023 annual meeting of shareholders and (iii)&nbsp;at our 2023 annual
meeting of shareholders and each annual meeting of shareholders thereafter, all director nominees will be elected to hold office
until our next annual meeting of shareholders and until a successor is elected and qualified or until the director&rsquo;s prior
death, resignation or removal. Currently, our Board of Directors consists of 17 directors. Under the Articles, directors may be
removed only for cause upon the affirmative vote of at least two-thirds of the outstanding shares entitled to vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>No Preemptive Rights; Redemption and Assessment</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Holders of shares of our common stock will
not be entitled to preemptive rights with respect to any shares that may be issued. Our common stock is not subject to redemption
or any sinking fund and the outstanding shares are fully paid and nonassessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Securities Are Not Insured by the FDIC</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Investments in our common stock or any
of our equity or debt securities will not qualify as deposits or savings accounts and will not be insured or guaranteed by the
FDIC or any other governmental agency and are subject to investment risk, including the possible loss of principal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Certain Anti-Takeover Provisions of Our Articles and Bylaws
and Virginia Law</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>General.</I> Our Articles and Bylaws
and the Virginia Stock Corporation Act (the &ldquo;Virginia SCA&rdquo;) contain certain provisions designed to enhance the ability
of our Board of Directors to deal with attempts to acquire control of the Company. These provisions, and the ability to set the
voting rights, preferences and other terms of any series of preferred stock that may be issued, may be deemed to have an anti-takeover
effect and may discourage takeovers (which certain shareholders may deem to be in their best interest). To the extent that such
takeover attempts are discouraged, temporary fluctuations in the market price of our common stock resulting from actual or rumored
takeover attempts may be inhibited. These provisions also could discourage or make more difficult a merger, tender offer or proxy
contest, even though such transaction may be favorable to the interests of shareholders, and could potentially adversely affect
the market price of our common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following briefly summarizes protective
provisions that are contained in our Articles and Bylaws and provided by the Virginia SCA. This summary is necessarily general
and is not intended to be a complete description of all the features and consequences of those provisions, and is qualified in
its entirety by reference to our Articles and Bylaws and the statutory provisions contained in the Virginia SCA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Supermajority Provision. </I>The Virginia
SCA provides that, unless a corporation&rsquo;s articles of incorporation provide for a greater or lesser vote, certain significant
corporate actions must be approved by the affirmative vote of more than two-thirds of the votes entitled to be cast on the matter.
Certain corporate actions requiring a more than two-thirds vote include:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>adoption of plans of merger or share exchange;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>sales of all or substantially all of a corporation&rsquo;s assets other than in the ordinary course of business; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>adoption of plans of dissolution.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Virginia SCA provides that a corporation&rsquo;s
articles may either increase the vote required to approve those actions or may decrease the vote required to not less than a majority
of all the votes cast by each voting group entitled to vote at a meeting at which a quorum of the voting group exists.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our Articles state that the actions set
out above must be approved by a majority of all votes entitled to be cast on the transaction by each voting group entitled to vote
at a meeting at which a quorum of the voting group is present, provided that the transaction has been approved and recommended
by at least two-thirds of the directors in office at the time of such approval and recommendation. If the transaction is not so
approved and recommended, then the transaction must be approved by the vote of 80% or more of all votes entitled to be cast on
such transactions by each voting group entitled to vote on the transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The provisions of our Articles and the
Virginia SCA could tend to make the acquisition of Atlantic Union more difficult to accomplish without the cooperation or favorable
recommendation of our Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Staggered Board Terms</I>. Our Articles
provide that, until our 2021 annual meeting of shareholders, our Board of Directors will be divided into three classes, apportioned
as evenly as possible, with directors serving staggered three-year terms. Notwithstanding the foregoing and without shortening
the term of any director previously elected, (i)&nbsp;at our 2021 annual meeting of shareholders, director nominees whose terms
expire at that meeting will be elected to hold office until our 2022 annual meeting of shareholders, (ii)&nbsp;at our 2022 annual
meeting of shareholders, director nominees whose terms expire at that meeting will be elected to hold office until our 2023 annual
meeting of shareholders and (iii)&nbsp;at our 2023 annual meeting of shareholders and each annual meeting of shareholders thereafter,
all director nominees will be elected to hold office until our next annual meeting of shareholders and until a successor is elected
and qualified or until the director&rsquo;s prior death, resignation or removal. Currently, our Board of Directors consists of
17 directors. Under the Articles, directors may be removed only for cause upon the affirmative vote of at least two-thirds of the
outstanding shares entitled to vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>State Anti-Takeover Statutes</I>. Virginia
has two anti-takeover statutes in force, the Affiliated Transactions Statute and the Control Share Acquisitions Statute.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Affiliated Transaction Statute of the
Virginia SCA contains provisions governing &ldquo;affiliated transactions.&rdquo; These include various transactions such as mergers,
share exchanges, sales, leases, or other dispositions of material assets, issuances of securities, dissolutions, and similar transactions
with an &ldquo;interested shareholder.&rdquo; An interested shareholder is generally the beneficial owner of more than 10% of any
class of a corporation&rsquo;s outstanding voting shares. During the three years following the date a shareholder becomes an interested
shareholder, any affiliated transaction with the interested shareholder must be approved by both a majority (but not less than
two) of the &ldquo;disinterested directors&rdquo; (those directors who were directors before the interested shareholder became
an interested shareholder or who were recommended for election by a majority of the disinterested directors) and by the affirmative
vote of the holders of two-thirds of the corporation&rsquo;s voting shares other than shares beneficially owned by the interested
shareholder. These requirements do not apply to affiliated transactions if, among other things, a majority of the disinterested
directors approve the interested shareholder&rsquo;s acquisition of voting shares making such a person an interested shareholder
before such acquisition. Beginning three years after the shareholder becomes an interested shareholder, the corporation may engage
in an affiliated transaction with the interested shareholder if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the transaction is approved by the holders of two-thirds of the corporation&rsquo;s voting shares, other than shares beneficially
owned by the interested shareholder;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the affiliated transaction has been approved by a majority of the disinterested directors; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>subject to certain additional requirements, in the affiliated transaction the holders of each class or series of voting shares
will receive consideration meeting specified fair price and other requirements designed to ensure that all shareholders receive
fair and equivalent consideration, regardless of when they tendered their shares.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Under the Virginia SCA&rsquo;s Control
Share Acquisitions Statute, voting rights of shares of stock of a Virginia corporation acquired by an acquiring person or other
entity at ownership levels of 20%, 33 1/3%, and 50% of the outstanding shares may, under certain circumstances, be denied. The
voting rights may be denied:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>unless conferred by a special shareholder vote of a majority of the outstanding shares entitled to vote for directors, other
than shares held by the acquiring person and officers and directors of the corporation; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>among other exceptions, such acquisition of shares is made pursuant to a merger agreement with the corporation or the corporation&rsquo;s
articles of incorporation or bylaws permit the acquisition of such shares before the acquiring person&rsquo;s acquisition thereof.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If authorized in the corporation&rsquo;s
articles of incorporation or bylaws, the statute also permits the corporation to redeem the acquired shares at the average per
share price paid for such shares if the voting rights are not approved or if the acquiring person does not file a &ldquo;control
share acquisition statement&rdquo; with the corporation within 60 days of the last acquisition of such shares. If voting rights
are approved for control shares comprising more than 50% of the corporation&rsquo;s outstanding stock, objecting shareholders may
have the right to have their shares repurchased by the corporation for &ldquo;fair value.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Corporations may provide in their articles
of incorporation or bylaws to opt-out of the Affiliated Transactions Statute or the Control Share Acquisitions Statute. Atlantic
Union has not opted-out of the Affiliated Transactions Statute or the Control Share Acquisitions Statute, and Atlantic Union&rsquo;s
Bylaws provide that it may, but is not required to, redeem shares of its common stock which have been the subject of a &ldquo;control
share acquisition&rdquo; as defined in the Control Share Acquisitions Statute.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Authorized Preferred Stock.</I> Our
Articles authorize the issuance of preferred stock and our Board of Directors may, subject to application of Virginia law and federal
banking regulations, authorize the issuance of preferred stock at such times, for such purposes and for such consideration as our
Board may deem advisable without further shareholder approval. The issuance of preferred stock under certain circumstances may
have the effect of discouraging an attempt by a third party to acquire control of Atlantic Union by, for example, authorizing the
issuance of a series of preferred stock with rights and preferences designed to impede the proposed transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Liability and Indemnification of Officers
and Directors</I>. The Virginia SCA provides that in any proceeding brought by or in the right of a corporation or brought by or
on behalf of shareholders of the corporation, the damages assessed against an officer or director arising out of a single transaction,
occurrence or course of conduct may not exceed the lesser of (a)&nbsp;the monetary amount, including the elimination of liability,
specified in the articles of incorporation or, if approved by the shareholders, in the bylaws as a limitation on or elimination
of the liability of the officer or director, or (b)&nbsp;the greater of (i)&nbsp;$100,000 or (ii)&nbsp;the amount of cash compensation
received by the officer or director from the corporation during the twelve months immediately preceding the act or omission for
which liability was imposed. The liability of an officer or director is not limited under the Virginia SCA or a corporation&rsquo;s
articles of incorporation and bylaws if the officer or director engaged in willful misconduct or a knowing violation of the criminal
law or of any federal or state securities law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our Articles provide that, to the full
extent that the Virginia SCA permits the limitation or elimination of liability of directors or officers, a director or officer
of Atlantic Union is not liable to Atlantic Union or its shareholders for monetary damages.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">A Virginia corporation generally is authorized
to indemnify its directors and officers in civil and criminal actions if they acted in good faith and believed their conduct to
be in the best interests of the corporation and, in the case of criminal actions, had no reasonable cause to believe that the conduct
was unlawful. The Virginia SCA requires such indemnification when a director or, unless limited by a corporation&rsquo;s articles
of incorporation, officer entirely prevails in the defense of any proceeding to which he or she was a party because he or she is
or was a director or officer of the corporation, and further provides that a corporation may make any other or further indemnity
(including indemnity to a proceeding by or in the right of the corporation), and may make additional provision for advances and
reimbursement of expenses, if authorized by its articles of incorporation or shareholder-adopted bylaw or resolution, except an
indemnity against willful misconduct or a knowing violation of the criminal law. The Virginia SCA establishes a statutory limit
on liability of officers and directors of a corporation for damages assessed against them in a suit brought by or in the right
of the corporation or brought by or on behalf of shareholders of the corporation and authorizes a corporation to specify a lower
monetary limit on liability (including the elimination of liability for monetary damages) in the corporation&rsquo;s articles of
incorporation or bylaws; however, the liability of an officer or director will not be limited if such officer or director engaged
in willful misconduct or a knowing violation of the criminal law or of any federal or state securities law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our Articles provide that, to the full
extent permitted by the Virginia SCA, we are required to indemnify (i)&nbsp;any person who was or is a party to any proceeding,
including a proceeding brought by a shareholder in the right of the company or brought by or on behalf of shareholders of the company,
by reason of the fact that he or she is or was a director or officer of the company, or (ii)&nbsp;any director or officer who is
or was serving at the request of the company as a director, trustee, partner or officer of another corporation, partnership, joint
venture, trust, employee benefit plan or other enterprise, against any liability incurred by him or her in connection with such
proceeding unless he or she engaged in&nbsp;willful misconduct or a knowing violation of&nbsp;criminal law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Dissenters&rsquo; and Appraisal Rights<B>.</B></I>
The Virginia SCA provides that appraisal or dissenters&rsquo; rights are not available to holders of shares of any class or series
of shares of a Virginia corporation in a merger when the stock is either listed on a national securities exchange, such as the
NASDAQ Global Select Market, or is held by at least 2,000 shareholders of record and has a public float of at least $20 million.
Despite this exception, appraisal or dissenters&rsquo; rights will be available to holders of common stock of a Virginia corporation
in a merger if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the articles of incorporation provide for appraisal or dissenters&rsquo; rights regardless of an available exception (our Articles
do not authorize such special appraisal or dissenters&rsquo; rights);</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>in the case of a merger or share exchange, shareholders are required by the terms of the merger to accept anything for their
shares other than cash, shares of the surviving or acquiring corporation, or shares of another corporation that are either listed
on a national securities exchange or held by more than 2,000 shareholders of record having a public float of at least $20 million,
or a combination of cash or such shares; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the merger is an &ldquo;affiliated transaction,&rdquo; as described under &ldquo;&ndash; State Anti-Takeover Statutes&rdquo;
above, and it has not been approved by a majority of the disinterested directors.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our common stock is listed on the NASDAQ
Global Select Market. Therefore, unless one of the exceptions outlined above applies to a given transaction, holders of our common
stock are not entitled to appraisal or dissenters&rsquo; rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Amendments to our Articles of Incorporation
and Bylaws. </I>The Virginia SCA generally requires that in order for an amendment to the articles of incorporation to be adopted
it must be approved by each voting group entitled to vote on the proposed amendment by more than two-thirds of all the votes entitled
to be cast by that voting group, unless the Virginia SCA otherwise requires a greater vote, or the articles of incorporation provide
for a greater or lesser vote, or a vote by separate voting groups. However, under the Virginia SCA, no amendment to the articles
of incorporation may be approved by a vote that is less than a majority of all the votes cast on the amendment by each voting group
entitled to vote at a meeting at which a quorum of the voting group exists.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Under the Virginia SCA, unless another
process is set forth in the articles of incorporation or bylaws, a majority of the directors (except to the extent authority to
amend the bylaws is reserved by the Virginia SCA), or, if a quorum exists at a meeting of shareholders, a majority of the shareholders
present and entitled to vote may adopt, amend or repeal the bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our Articles state that an amendment to
the articles of incorporation must be approved by a majority of all the votes entitled to be cast on the amendment by each voting
group entitled to vote at a meeting at which a quorum of the voting group is present, provided that the amendment has been approved
and recommended by at least two-thirds of the directors in office at the time of such approval and recommendation. If the amendment
is not so approved and recommended by two-thirds of the directors in office, then the amendment must be approved by the affirmative
vote of 80% or more of all of the votes entitled to be cast on such amendment by each voting group entitled to vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our Bylaws may be amended, altered, or
repealed by our Board of Directors at any time. Our shareholders have the power to rescind, alter, amend, or repeal any bylaws
and to enact bylaws which, if so expressed by the shareholders, may not be rescinded, altered, amended, or repealed by our Board
of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Increasing the Number of Directors.</I>
Under Virginia law, a board of directors may amend or repeal bylaws unless its company&rsquo;s articles of incorporation or other
provisions of Virginia law reserve such power exclusively in the shareholders or the shareholders, in adopting or amending particular
bylaws, expressly prohibit the board of directors from amending or repealing that bylaw. Our Articles do not reserve the power
to amend the Bylaws to increase or decrease the number of directors exclusively to the shareholders and no bylaw, and no amendment
thereto, expressly prohibits our Board of Directors from amending the Bylaws to increase or decrease the number of directors. Any
newly created directorships resulting from an increase in the number of authorized directors shall be filled by the affirmative
vote of a majority of the directors then in office. As a result, if faced with an attempt to take control of our Board of Directors,
our Board may increase the size of the Board and install directors opposed to the hostile takeover attempt.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Inability of Shareholders to Call Special
Meetings.</I> Pursuant to our Bylaws, special meetings of shareholders may be called only by the Chairman or Vice Chairman of the
Board, if any, the Chief Executive Officer, the President, our Board of Directors or our Board&rsquo;s Executive Committee. As
a result, shareholders are not able to act on matters other than at annual shareholders meetings unless they are able to persuade
the Chief Executive Officer, President, the Chairman or the Vice Chairman of the Board of Directors to call a special meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><I>Advance Notification Requirements.</I>
Our Bylaws require a shareholder who desires to nominate a candidate for election to our Board of Directors or to raise new business
at an annual shareholders meeting to provide us advance notice not later than the close of business on the ninetieth day, nor earlier
than the close of business on the one-hundred twentieth day, prior to the first anniversary of the commencement of the preceding
year&rsquo;s annual meeting of shareholders, provided, however, that in the event that the date of the annual meeting is more than
thirty days before or more than seventy days after such anniversary date, notice by such shareholder must be so delivered not earlier
than the close of business on the one-hundred twentieth day prior to such annual meeting and not later than the close of business
on the later of the ninetieth day prior to such annual meeting or the tenth day following the day on which public announcement
of the date of such meeting is first made by Atlantic Union. In no event shall the public announcement of an adjournment or postponement
of an annual meeting of shareholders commence a new time period (or extend any time period) for the giving of a shareholder&rsquo;s
notice as described above. Our Bylaws further condition the presentation of shareholder nominations for director or proposals for
business on compliance with a number of conditions. In addition, a shareholder must also comply with applicable rules&nbsp;of the
SEC in order for his or her shareholder proposal to be included in our proxy statement relating to the annual meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp02_001"></A>DESCRIPTION OF PREFERRED STOCK</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our Board of Directors, without shareholder
approval, is authorized under our Articles to issue, in one or more series, shares of preferred stock at such times, for such purposes
and for such consideration as it may deem advisable. Our Board of Directors is also authorized to fix the designation, voting,
conversion, preference and other relative rights, qualifications and limitations of any series of preferred stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">As of the date of this prospectus, 500,000
shares of our preferred stock, par value $10.00, are authorized. We have 17,250 shares of Series&nbsp;A Preferred Stock outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following summary description of the
material features of the preferred stock of Atlantic Union that we may offer from time to time is qualified in its entirety by
reference to the applicable provisions of Virginia law, our current Articles and the articles of amendment to our Articles relating
to the particular series of preferred stock, a copy of which we will file with the SEC in connection with the sale of any series
of preferred stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Our Board of Directors may authorize the
issuance of one or more series of preferred stock and may establish and designate series and the number of shares and the relative
rights, preferences and limitations of the respective series of the preferred stock offered by this prospectus and the applicable
prospectus supplement. The shares of preferred stock, when issued and sold, will be fully paid and nonassessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The number of shares and all of the relative
rights, preferences and limitations of the respective future series of preferred stock authorized by our Board of Directors will
be described in the applicable prospectus supplement. The terms of a particular series of preferred stock may differ, among other
things, in:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>designation;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>number of shares that constitute the series;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>dividends (which may be cumulative or noncumulative), the dividend rate, or the method of calculating the dividend rate;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>dividend periods, or the method of calculating the dividend periods;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>redemption provisions, including whether, on what terms and at what prices the shares will be subject to redemption at our
option and whether a sinking fund will be established;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>voting rights;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>preferences and rights upon liquidation or winding up;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether and on what terms the shares will be convertible into or exchangeable for shares of any other class, series or security
of ours or any other corporation or any other property (including whether the conversion or exchange is mandatory, at the option
of the holder or our option, the period during which conversion or exchange may occur, the initial conversion or exchange price
or rate and the circumstances or manner in which the amount of common or preferred stock or other securities issuable upon conversion
or exchange may be adjusted);</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>for preferred stock convertible into our common stock, the number of shares of common stock to be reserved in connection with,
and issued upon conversion of, the preferred stock (including whether the conversion or exchange is mandatory, the initial conversion
or exchange price or rate and the circumstances or manner in which the amount of common stock issuable upon conversion or exchange
may be adjusted) at the option of the holder or our option and the period during which conversion or exchange may occur; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the other rights and privileges and any qualifications, limitations or restrictions of those rights or privileges.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Each series of preferred stock will rank,
with respect to the payment of dividends and the distribution of assets upon liquidation, dissolution or winding up:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>junior to any series of our capital stock expressly stated to be senior to that series of preferred stock; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>senior to our common stock and any class of our capital stock expressly stated to be junior to that series of preferred stock.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Dividends</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Dividends will be payable as they are declared
by our Board of Directors at such time or times as it elects<B>, </B>and no holder of preferred stock will have any right to receive
any dividend unless and until that dividend has been declared by our Board of Directors. The stated annual dividend may be declared
and paid in increments during each calendar year. In connection with each dividend payment, our Board of Directors may set a record
date in advance of the payment date for the purpose of determining the holders of shares preferred stock who are entitled to receive
that dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If described in the applicable prospectus
supplement, we may pay cumulative cash dividends to the holders of preferred stock, when and as declared by our Board of Directors
or a committee thereof, out of funds legally available for payment. The prospectus supplement will detail, as applicable, the annual
rate of dividends or the method or formula for determining or calculating them, and the payment dates and payment periods for dividends.
In the event that dividends are declared on the preferred stock, our Board of Directors or the committee will fix a record date
for any such payment of dividends, which will be paid on the preferred stock to the holders of record on that record date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We will not declare, pay or set aside for
payment any dividends on any preferred stock ranking on a parity as to payment of dividends with the preferred stock unless we
declare, pay or set aside for payment dividends on all the outstanding shares of preferred stock for all dividend payment periods
ending on or before the dividend payment date for that parity stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless we have paid in full all unpaid
cumulative dividends, if any, on the outstanding shares of preferred stock, we may not take any of the following actions with respect
to our common stock or any other preferred stock of Atlantic Union ranking junior or on parity with the preferred stock as to dividend
payments (unless otherwise described in the prospectus supplement):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>declare, pay or set aside for payment any dividends, other than dividends payable in our common stock;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>make other distributions;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>redeem, purchase or otherwise acquire our common stock or junior preferred stock for any consideration; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>make any payment to or available for a sinking fund for the redemption of our common stock or junior preferred stock.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Conversion and Exchange</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The prospectus supplement will indicate
whether and on what terms the shares of any future series of preferred stock will be convertible into or exchangeable for shares
of any other class, series or security of Atlantic Union or any other corporation or any other property (including whether the
conversion or exchange is mandatory, at the option of the holder or our option, the period during which conversion or exchange
may occur, the initial conversion or exchange price or rate and the circumstances or manner in which the amount of common or preferred
stock or other securities issuable upon conversion or exchange may be adjusted). It will also indicate for preferred stock convertible
into common stock, the number of shares of common stock to be reserved in connection with, and issued upon conversion of, the preferred
stock (including whether the conversion or exchange is mandatory, the initial conversion or exchange price or rate and the circumstances
or manner in which the amount of common stock issuable upon conversion or exchange may be adjusted) at the option of the holder
or our option and the period during which conversion or exchange may occur.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Redemption</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The prospectus supplement will indicate
whether, and on what terms, the shares of any future series of preferred stock will be subject to redemption, mandatory or otherwise,
or a sinking fund provision. The prospectus supplement will also indicate whether, and on what terms, including the redemption
price and date on or after which redemption may occur, we may redeem shares of a series of the preferred stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Liquidation Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In the event of any liquidation, dissolution
or winding up of Atlantic Union, the holders of shares of preferred stock outstanding will be entitled to receive, out of the assets
of Atlantic Union available for distribution to shareholders, liquidating distributions in an amount equal to the stated value
per share of preferred stock, as described in the Articles (as amended to establish the preferred stock) and/or the applicable
prospectus supplement, plus accrued and accumulated but unpaid dividends, if any, to the date of final distribution, before any
distribution is made to holders of:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any class or series of capital stock ranking junior to the preferred stock as to rights upon liquidation, dissolution or winding
up; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>our common stock.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">However, holders of the shares of preferred
stock will not be entitled to receive the liquidation price of their shares until we have paid or set aside an amount sufficient
to pay in full the liquidation preference of any class or series of our capital stock ranking senior as to rights upon liquidation,
dissolution or winding up. Unless otherwise provided in the applicable prospectus supplement, neither a consolidation or merger
of Atlantic Union with or into another corporation nor a merger of another corporation with or into Atlantic Union nor a sale or
transfer of all or part of Atlantic Union&rsquo;s assets for cash or securities will be considered a liquidation, dissolution or
winding up of Atlantic Union.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If, upon any liquidation, dissolution or
winding up of Atlantic Union, assets of Atlantic Union then distributable are insufficient to pay in full the amounts payable with
respect to the preferred stock and any other preferred stock ranking on parity with the preferred stock as to rights upon liquidation,
dissolution or winding up, the holders of shares of the preferred stock and of shares of that other preferred stock will participate
ratably in any distribution in proportion to the full respective preferential amounts to which they are entitled. After we have
paid the full amount of the liquidating distribution to which they are entitled, the holders of the preferred stock will not be
entitled to any further participation in any distribution of assets by Atlantic Union.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Voting Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless otherwise determined by our Board
of Directors and indicated in the prospectus supplement, holders of the preferred stock will not have any voting rights except
as from time to time required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Series&nbsp;A Preferred Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following is a description of the particular
terms of the Series&nbsp;A Preferred Stock. The following description is qualified in its entirety by the Articles of Amendment
relating to the Series&nbsp;A Preferred Stock (the &ldquo;Articles of Amendment&rdquo;), and where this description is inconsistent
with the description of the Series&nbsp;A Preferred Stock contained in the Articles of Amendment, the Articles of Amendment will
control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>General</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Series&nbsp;A Preferred Stock is a single
series of our authorized preferred stock. Shares of the Series&nbsp;A Preferred Stock are fully paid and nonassessable. The depositary
is the sole holder of shares of the Series&nbsp;A Preferred Stock. The holders of Depositary Shares are required to exercise their
proportional rights in the Series&nbsp;A Preferred Stock through the depositary, as described in the section entitled &ldquo;Description
of Depositary Shares.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Shares of the Series&nbsp;A Preferred Stock
rank senior to our common stock and at least equally with each other series of preferred stock we have or may issue if provided
for in the articles of amendment relating to such preferred stock or otherwise (except for any senior stock that may be issued
with the requisite consent of the holders of the Series&nbsp;A Preferred Stock and all other parity stock, if any), with respect
to the payment of dividends and distributions of assets upon liquidation, dissolution or winding up of Atlantic Union. In addition,
we will generally be able to pay dividends and distributions upon liquidation, dissolution or winding up only out of lawfully available
assets for such payment (after satisfaction of all claims for indebtedness and other non-equity claims). Further, the Series&nbsp;A
Preferred Stock may be fully subordinated to interests held by the U.S. government in the event that we enter into a receivership,
insolvency, liquidation, or similar proceeding, including a proceeding under the Orderly Liquidation Authority of the Dodd-Frank
Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Series&nbsp;A Preferred Stock is not
convertible into, or exchangeable for, shares of any other class or series of stock or other securities of Atlantic Union. The
Series&nbsp;A Preferred Stock has no stated maturity and will not be subject to any sinking fund or other obligation of Atlantic
Union to redeem or repurchase the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We reserve the right to re-open the Series&nbsp;A
Preferred Stock and issue additional shares of Series&nbsp;A Preferred Stock either through public or private sales at any time
and from time to time that may or may not involve additional depositary shares. The additional shares would form a single series
with the Series&nbsp;A Preferred Stock already outstanding. In addition, we may from time to time, without notice to or consent
of holders of the Series&nbsp;A Preferred Stock or the Depositary Shares, issue additional shares of preferred stock that rank
equally with or junior to the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Dividends</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><U>General</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Dividends on the Series&nbsp;A Preferred
Stock are not cumulative. If our Board of Directors or a duly authorized committee of our Board of Directors does not declare a
dividend on the Series&nbsp;A Preferred Stock in respect of a dividend period, then no dividend shall be deemed to have accrued
for such dividend period, be payable on the applicable dividend payment date, or be cumulative, and we will have no obligation
to pay any dividend for that dividend period, whether or not our Board of Directors or a duly authorized committee of our Board
of Directors declares a dividend on the Series&nbsp;A Preferred Stock for any subsequent dividend period. A dividend period is
the period from and including a dividend payment date to but excluding the next dividend payment date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Holders of Series&nbsp;A Preferred Stock
are entitled to receive, when, as, and if declared by our Board of Directors or a duly authorized committee of our Board of Directors,
out of assets legally available for the payment of dividends under Virginia law, non-cumulative cash dividends based on the liquidation
preference of the Series&nbsp;A Preferred Stock at a rate equal to 6.875% per annum for each quarterly dividend period from the
original issue date of the Depositary Shares through the redemption date of the Series&nbsp;A Preferred Stock, if any. In the event
that we issue additional shares of Series&nbsp;A Preferred Stock after the original issue date, dividends on such shares will accrue
from the original issue date of such additional shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If declared by our Board of Directors or
a duly authorized committee of our Board of Directors, we will pay dividends on the outstanding Series&nbsp;A Preferred Stock quarterly
in arrears, on March&nbsp;1, June&nbsp;1, September&nbsp;1 and December&nbsp;1 of each year, beginning on September&nbsp;1, 2020
(each such date, a &ldquo;dividend payment date&rdquo;). If any date on which dividends would otherwise be payable is not a business
day, then the dividend payment date will be the next business day without any adjustment to the amount of dividends paid. A business
day means any weekday that is not a legal holiday in New York, New York, and is not a day on which banking institutions in New
York, New York, are closed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Dividends are payable to holders of record
of Series&nbsp;A Preferred Stock as they appear on our stock register on the applicable record date, which shall be the 15th calendar
day before the applicable dividend payment date, or such other record date, not exceeding 30 days before the applicable payment
date, as shall be fixed by our Board of Directors or a duly authorized committee of our Board of Directors. The corresponding record
dates for the Depositary Shares will be the same as the record dates for the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">A dividend period is the period from and
including a dividend payment date to but excluding the next dividend payment date, except that the initial dividend period will
commence on and include the original issue date of the Series&nbsp;A Preferred Stock. Dividends payable on the Series&nbsp;A Preferred
Stock will be computed on the basis of a 360-day year consisting of twelve 30-day months.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><U>Additional Information</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our ability to pay dividends on the Series&nbsp;A
Preferred Stock depends on the ability of our subsidiaries, including Atlantic Union Bank, to pay dividends to us. Our ability
and the ability of our subsidiaries to pay dividends in the future is subject to bank regulatory requirements and capital guidelines
and policies established by the Virginia Bureau of Financial Institutions and the Federal Reserve.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">So long as any share of Series&nbsp;A Preferred
Stock remains outstanding, (1)&nbsp;no dividend shall be declared or paid or set aside for payment and no distribution shall be
declared or made or set aside for payment on any junior stock (other than (i)&nbsp;a dividend payable solely in junior stock or
(ii)&nbsp;any dividend in connection with the implementation of a shareholders&rsquo; rights plan, or the redemption or repurchase
of any rights under any such plan), (2)&nbsp;no shares of junior stock shall be repurchased, redeemed or otherwise acquired for
consideration by us, directly or indirectly (other than (i)&nbsp;as a result of a reclassification of junior stock for or into
other junior stock, (ii)&nbsp;the exchange or conversion of one share of junior stock for or into another share of junior stock,
(iii)&nbsp;through the use of the proceeds of a substantially contemporaneous sale of other shares of junior stock, (iv)&nbsp;purchases,
redemptions or other acquisitions of shares of junior stock in connection with any employment contract, benefit plan or other similar
arrangement with or for the benefit of employees, officers, directors or consultants, (v)&nbsp;purchases of shares of junior stock
pursuant to a contractually binding requirement to buy junior stock existing prior to the preceding dividend period, including
under a contractually binding stock repurchase plan, (vi)&nbsp;the purchase of fractional interests in shares of junior stock pursuant
to the conversion or exchange provisions of such stock or the security being converted or exchanged, (vii)&nbsp;purchases or other
acquisitions by any of our broker-dealer subsidiaries solely for the purpose of market making, stabilization or customer facilitation
transactions in junior stock in the ordinary course of business, (viii)&nbsp;purchases by any of our broker-dealer subsidiaries
of our capital stock for resale pursuant to an offering by us of such capital stock underwritten by such broker-dealer subsidiary,
or (ix)&nbsp;the acquisition by us or any of our subsidiaries of record ownership in junior stock for the beneficial ownership
of any other persons (other than for the beneficial ownership by us or any of our subsidiaries), including as trustees or custodians),
nor shall any monies be paid to or made available for a sinking fund for the redemption of any such securities by us and (3)&nbsp;no
shares of parity stock, if any, shall be repurchased, redeemed or otherwise acquired for consideration by us, directly or indirectly,
during a dividend period (other than (i)&nbsp;pursuant to pro rata offers to purchase all, or a pro rata portion, of the Series&nbsp;A
Preferred Stock and such parity stock, if any, (ii)&nbsp;as a result of a reclassification of parity stock for or into other parity
stock, (iii)&nbsp;the exchange or conversion of parity stock for or into other parity stock or junior stock, (iv)&nbsp;through
the use of the proceeds of a substantially contemporaneous sale of other shares of parity stock, (v)&nbsp;purchases of shares of
parity stock pursuant to a contractually binding requirement to buy parity stock existing prior to the preceding dividend period,
including under a contractually binding stock repurchase plan, (vi)&nbsp;the purchase of fractional interests in shares of parity
stock pursuant to the conversion or exchange provisions of such stock or the security being converted or exchanged, (vii)&nbsp;purchases
or other acquisitions by any of our broker-dealer subsidiaries solely for the purpose of market making, stabilization or customer
facilitation transactions in parity stock in the ordinary course of business, (viii)&nbsp;purchases by any of our broker-dealer
subsidiaries of our capital stock for resale pursuant to an offering by us of such capital stock underwritten by such broker-dealer
subsidiary, or (ix)&nbsp;the acquisition by us or any of our subsidiaries of record ownership in parity stock for the beneficial
ownership of any other persons (other than for the beneficial ownership by us or any of our subsidiaries), including as trustees
or custodians), nor shall any monies be paid to or made available for a sinking fund for the redemption of any such securities
by us unless, in each case, the full dividends for the preceding dividend period on all outstanding shares of Series&nbsp;A Preferred
Stock have been paid in full or declared and a sum sufficient for the payment thereof has been set aside for payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We will not declare or pay or set apart
funds for the payment of dividends on any parity stock, unless we have paid or set apart funds for the payment of dividends on
the Series&nbsp;A Preferred Stock. When dividends are not paid in full upon the shares of Series&nbsp;A Preferred Stock and parity
stock, if any, all dividends declared upon shares of Series&nbsp;A Preferred Stock and parity stock, if any, will be declared on
a proportional basis so that the amount of dividends declared per share will bear to each other the same ratio that accrued dividends
for the then-current dividend period per share on the Series&nbsp;A Preferred Stock, and accrued dividends, including any accumulations,
if any, on parity stock, if any, bear to each other.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As used in this prospectus, &ldquo;junior
stock&rdquo; means our common stock and any other class or series of our stock hereafter authorized over which the Series&nbsp;A
Preferred Stock has preference or priority in the payment of dividends or in the distribution of assets on any liquidation, dissolution
or winding up of Atlantic Union. As of the date of this prospectus, our common stock is the only series of junior stock outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As used in this prospectus, &ldquo;parity
stock&rdquo; means any other class or series of our stock that ranks on a parity with the Series&nbsp;A Preferred Stock with respect
to the payment of dividends and distributions of assets upon liquidation, dissolution or winding up of Atlantic Union. As of the
date of this prospectus, there are no series of parity stock outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As used in this prospectus, &ldquo;senior
stock&rdquo; means any other class or series of our stock ranking senior to the Series&nbsp;A Preferred Stock with respect to the
payment of dividends and distributions of assets upon liquidation, dissolution or winding up of Atlantic Union. As of the date
of this prospectus, there are no series of senior stock outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Subject to the considerations described
above, and not otherwise, dividends (payable in cash, stock or otherwise), as may be determined by our Board of Directors or a
duly authorized committee of our Board of Directors, may be declared and paid on our common stock and any other stock ranking equally
with or junior to the Series&nbsp;A Preferred Stock from time to time out of any assets legally available for such payment, and
the holders of Series&nbsp;A Preferred Stock shall not be entitled to participate in any such dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Dividends on the Series&nbsp;A Preferred
Stock will not be declared, paid or set aside for payment to the extent such act would cause us to fail to comply with applicable
laws and regulations, including applicable capital adequacy guidelines.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Redemption</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><U>Optional Redemption</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Series&nbsp;A Preferred Stock is not
subject to any mandatory redemption, sinking fund or other similar provisions. We may redeem the Series&nbsp;A Preferred Stock
at our option, in whole or in part, from time to time, on any dividend payment date on or after September&nbsp;1, 2025, at a redemption
price equal to $10,000 per share (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends on the shares
of Series&nbsp;A Preferred Stock called for redemption up to the redemption date. Neither the holders of Series&nbsp;A Preferred
Stock nor holders of Depositary Shares have the right to require the redemption or repurchase of the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><U>Redemption Following a Regulatory Capital
Treatment Event</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may redeem the Series&nbsp;A Preferred
Stock in whole but not in part at any time within 90 days following a regulatory capital treatment event, in whole but not in part,
at a redemption price equal to $10,000 per share (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends
on the shares of Series&nbsp;A Preferred Stock called for redemption up to the redemption date. A &ldquo;regulatory capital treatment
event&rdquo; means the good faith determination us that, as a result of (i)&nbsp;any amendment to, or change (including any announced
prospective change) in, the laws or regulations of the United States or any political subdivision of or in the United States that
is enacted or becomes effective after the initial issuance of any share of Series&nbsp;A Preferred Stock; (ii)&nbsp;any proposed
change in those laws or regulations that is announced or becomes effective after the initial issuance of any share of Series&nbsp;A
Preferred Stock; or (iii)&nbsp;any official administrative decision or judicial decision or administrative action or other official
pronouncement interpreting or applying those laws or regulations that is announced after the initial issuance of any share of Series&nbsp;A
Preferred Stock, there is more than an insubstantial risk that we will not be entitled to treat the full liquidation value of the
shares of Series&nbsp;A Preferred Stock then outstanding as &ldquo;Tier 1 Capital&rdquo; (or its equivalent) for purposes of the
capital adequacy guidelines of Federal Reserve Regulation Y (or, as and if applicable, the capital adequacy guidelines or regulations
of any successor appropriate federal banking regulator or agency), as then in effect and applicable, for as long as any share of
Series&nbsp;A Preferred Stock is outstanding. Redemption of the Series&nbsp;A Preferred Stock is subject to our receipt of any
required prior approvals from the Federal Reserve and to the satisfaction of any conditions set forth in the capital guidelines
of the Federal Reserve applicable to the redemption of the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><U>Redemption Procedures</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If shares of the Series&nbsp;A Preferred
Stock are to be redeemed, the notice of redemption shall be sent to the holders of record of the Series&nbsp;A Preferred Stock
to be redeemed not less than 15 days nor more than 60 days prior to the date fixed for redemption thereof (provided that, if the
Depositary Shares representing the Series&nbsp;A Preferred Stock are held in book-entry form through The Depository Trust Company
(&ldquo;DTC&rdquo;), we may give such notice in any manner permitted by DTC). Each notice of redemption will include a statement
setting forth:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the redemption date;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the number of shares of Series&nbsp;A preferred stock to be redeemed and, if less than all the shares held by the holder are
to be redeemed, the number of shares of Series&nbsp;A preferred stock to be redeemed from the holder;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the redemption price; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the place or places where the certificates evidencing shares of Series&nbsp;A preferred stock are to be surrendered for payment
of the redemption price.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On and after the redemption date, dividends
will cease to accrue on shares of Series&nbsp;A Preferred Stock, and such shares of Series&nbsp;A Preferred Stock shall no longer
be deemed outstanding and all rights of the holders of such shares will terminate, including the rights described under &ldquo;&mdash;
Voting Rights&rdquo; below, except the right to receive the redemption price plus any declared and unpaid dividends on the shares
of Series&nbsp;A preferred stock called for redemption up to the redemption date. See &ldquo;Description of Depositary Shares&rdquo;
for information about redemption of the Depositary Shares relating to the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In case of any redemption of only part of
the shares of the Series&nbsp;A Preferred Stock at the time outstanding, the shares to be redeemed shall be selected pro rata or
by lot. Subject to the provisions hereof, our Board of Directors shall have full power and authority to prescribe the terms and
conditions upon which shares of Series&nbsp;A Preferred Stock shall be redeemed from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Under the Federal Reserve&rsquo;s current
risk-based capital guidelines applicable to bank holding companies, any redemption of the Series&nbsp;A Preferred Stock is subject
to prior approval by the Federal Reserve. Any redemption of the Series&nbsp;A Preferred Stock is subject to our receipt of any
required prior approval by the Federal Reserve and to the satisfaction of any conditions set forth in the capital guidelines or
regulations of the Federal Reserve applicable to redemption of the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Neither the holders of the Series&nbsp;A
Preferred Stock nor the holders of the related Depositary Shares have the right to require the redemption or repurchase of the
Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Liquidation Rights</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In the event we liquidate, dissolve or wind-up
our business and affairs, either voluntarily or involuntarily, holders of the Series&nbsp;A Preferred Stock are entitled to receive
a liquidating distribution of $10,000 per share (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends,
without accumulation of any undeclared dividends before we make any distribution of assets to the holders of our common stock or
any other class or series of shares ranking junior to the Series&nbsp;A Preferred Stock. Holders of the Series&nbsp;A Preferred
Stock will not be entitled to any other amounts from us after they have received their full liquidating distribution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In any such distribution, if our assets
are not sufficient to pay the liquidation preferences plus declared and unpaid dividends in full to all holders of the Series&nbsp;A
Preferred Stock and all holders of parity stock, if any, as to such distribution with the Series&nbsp;A Preferred Stock, the amounts
paid to the holders of Series&nbsp;A Preferred Stock and parity stock, if any, will be paid pro rata in accordance with the respective
aggregate liquidating distribution owed to those holders. If the liquidation preference plus declared and unpaid dividends has
been paid in full to all holders of Series&nbsp;A Preferred Stock and parity stock, if any, the holders of our junior stock shall
be entitled to receive all of our remaining assets according to their respective rights and preferences.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In addition, we will generally be able to
pay dividends and distributions upon liquidation, dissolution or winding up only out of lawfully available assets for such payment
(after satisfaction of all claims for indebtedness and other non-equity claims). Further, the Series&nbsp;A Preferred Stock may
be fully subordinated to interests held by the U.S. government in the event that we enter into a receivership, insolvency, liquidation,
or similar proceeding, including a proceeding under the Orderly Liquidation Authority of the Dodd-Frank Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of this section, the merger
or consolidation of us with any other entity, including a merger or consolidation in which the holders of Series&nbsp;A Preferred
Stock receive cash, securities or property for their shares, or the sale, lease or exchange of all or substantially all of our
assets for cash, securities or other property, shall not constitute a liquidation, dissolution or winding up of Atlantic Union.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Because we are a holding company, our rights
and the rights of our creditors and our shareholders, including the holders of the Series&nbsp;A Preferred Stock, to participate
in the assets of any of our subsidiaries, including Atlantic Union Bank, upon that subsidiary&rsquo;s liquidation or recapitalization
may be subject to the prior claims of that subsidiary&rsquo;s creditors, except to the extent that we are a creditor with recognized
claims against the subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Voting Rights</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Except as provided below, the holders of
the Series&nbsp;A Preferred Stock will have no voting rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><U>Right to Elect Two Directors upon Nonpayment</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If we fail to pay, or declare and set apart
for payment, dividends on outstanding shares of the Series&nbsp;A Preferred Stock for six quarterly dividend periods, whether or
not consecutive, the number of directors on the Board of Directors shall be increased by two at our first annual meeting of the
shareholders held thereafter, and at such meeting and at each subsequent annual meeting until continuous noncumulative dividends
for at least one year on all outstanding shares of Series&nbsp;A Preferred Stock entitled thereto shall have been paid in full,
the holders of shares of Series&nbsp;A Preferred Stock shall have the right, voting as a class together with holders of any other
equally ranked series of preferred stock that have similar voting rights, if any, to elect such two additional members of our Board
of Directors to hold office for a term of one year; provided that our Board of Directors shall at no time include more than two
additional directors elected by holders of shares of Series&nbsp;A Preferred Stock and any other equally ranked series of preferred
stock having similar voting rights, if any, voting together as one class. Upon such payment in full, the terms of the two additional
directors so elected shall forthwith terminate, and the number of directors shall be reduced by two, and such voting right of the
holders of shares of Series&nbsp;A Preferred Stock shall cease, subject to increase in the number of directors as described above
and to revesting of such voting right in the event of each and every additional failure in the payment of dividends for six quarterly
dividend periods, whether or not consecutive, as described above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In addition, if and when the rights of holders
of Series&nbsp;A Preferred Stock terminate for any reason, including under circumstances described above under &ldquo;&mdash; Redemption,&rdquo;
such voting rights shall terminate along with the other rights (except, if applicable, the right to receive the redemption price
plus any declared and unpaid dividends), and the terms of any additional directors elected by the holders of Series&nbsp;A Preferred
Stock and any other equally ranked series of preferred stock having similar voting rights, if any, shall terminate automatically
and the number of directors reduced by two, assuming that the rights of holders of such equally ranked series of preferred stock
have similarly terminated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Under regulations adopted by the Federal
Reserve, if the holders of any series of preferred stock are or become entitled to vote separately for the election of directors
as a class, such series, along with any other holders of stock that are entitled to vote for the election of directors with that
series, will be deemed a class of voting securities. A company holding 25% or more of that class, or less if it otherwise exercises
a &ldquo;controlling influence&rdquo; over us, will be subject to regulation as a bank holding company under the Bank Holding Company
Act of 1956, as amended (the &ldquo;BHC Act&rdquo;). In addition, at the time the series is deemed a class of voting securities,
any other bank holding company or systemically significant nonbank financial company will be required to obtain the prior approval
of the Federal Reserve under the BHC Act to acquire or retain more than 5% of that class. Any other person (other than a bank holding
company or systemically significant nonbank financial company) will be required to obtain the non-objection of the Federal Reserve
under the Change in Bank Control Act of 1978, as amended, to acquire or retain 10% or more of that class.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><U>Other Voting Rights</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">So long as any shares of Series&nbsp;A Preferred
Stock remain outstanding, the affirmative vote or consent of the holders of at least two-thirds of all outstanding shares of the
Series&nbsp;A Preferred Stock, voting separately as a class, shall be required to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>authorize or increase the authorized amount of, or issue shares of, any class or series of senior stock, or issue any obligation
or security convertible into or evidencing the right to purchase any such shares;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>amend the provisions of our Amended and Restated Articles of Incorporation so as to adversely affect the powers, preferences,
privileges or rights of the Series&nbsp;A Preferred Stock, taken as a whole; provided, however, that any increase in the amount
of the authorized or issued Series&nbsp;A Preferred Stock or authorized common stock or preferred stock or the creation and issuance,
or an increase in the authorized or issued amount, of other series of preferred stock ranking equally with or junior to the Series&nbsp;A
Preferred Stock with respect to the payment of dividends (whether such dividends are cumulative or non-cumulative) or the distribution
of assets upon liquidation, dissolution or winding up of Atlantic Union will not be deemed to adversely affect the powers, preferences,
privileges or rights of the Series&nbsp;A Preferred Stock; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>consummate a binding share-exchange or reclassification involving the Series&nbsp;A Preferred Stock, or a merger or consolidation
with or into another entity unless (i)&nbsp;the shares of the Series&nbsp;A Preferred Stock remain outstanding or are converted
into or exchanged for preference securities of the new surviving entity and (ii)&nbsp;the shares of the remaining Series&nbsp;A
Preferred Stock or new preferred securities have terms that are not materially less favorable than the Series&nbsp;A Preferred
Stock.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The foregoing voting provisions will not
apply if, at or prior to the time when the act with respect to which such vote would otherwise be required shall be effected, all
outstanding shares of Series&nbsp;A Preferred Stock shall have been redeemed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><U>Voting Rights under Virginia Law</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Except as expressly set forth in the Articles
of Amendment, the Virginia SCA does not provide any additional voting rights to the holders of the Series&nbsp;A Preferred Stock.
Therefore, under the Virginia SCA, the holders of the Series&nbsp;A Preferred Stock will only have those voting rights set forth
above under &ldquo;&mdash; Voting Rights.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Depositary Agent, Transfer Agent and Registrar</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Computershare Trust Company, N.A. is the
depositary, and, collectively with Computershare Inc., is the transfer agent and registrar for the Series&nbsp;A Preferred Stock.
We may, in our sole discretion, remove the depositary in accordance with the agreement between us and the depositary; provided
that we will appoint a successor depositary who will accept such appointment prior to the effectiveness of its removal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Information Rights</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">During any period in which we are not subject
to Section&nbsp;13 or 15(d)&nbsp;of the Exchange Act and any shares of the Series&nbsp;A Preferred Stock are outstanding, we will
use our best efforts to (i)&nbsp;make available on our website at http://investors.atlanticunionbank.com copies of the annual and
quarterly reports that would be required to be filed with the SEC on Forms 10-K and 10-Q, respectively, if we were subject to Section&nbsp;13
or 15(d)&nbsp;of the Exchange Act (other than any exhibits that would have been required), within the time periods that would apply
if we were required to file those reports with the SEC if we were a &ldquo;non-accelerated filer&rdquo; within the meaning of the
Exchange Act; and (ii)&nbsp;promptly, upon request, supply copies of such reports to any holder or prospective holder of the Series&nbsp;A
Preferred Stock. In addition, we will use our best efforts to mail (or otherwise provide) our annual and quarterly reports to all
holders of the Series&nbsp;A Preferred Stock, as their names and addresses appear in our record books and without cost to such
holders, within 15 days after the respective dates by which a periodic report on Form&nbsp;10-K or Form&nbsp;10-Q, as the case
may be, would have been required to be filed with the SEC, if we were subject to Section&nbsp;13 or 15(d)&nbsp;of the Exchange
Act, in each case, based on the dates on which we would be required to file such periodic reports if we were a &ldquo;non-accelerated
filer&rdquo; within the meaning of the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Preemptive and Conversion Rights</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The holders of the Series&nbsp;A Preferred
Stock do not have any preemptive or conversion rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Form&nbsp;of Series&nbsp;A Preferred Stock</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Series&nbsp;A Preferred Stock has been
issued in registered form to the depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="sp02_002"></A><B>DESCRIPTION OF DEPOSITARY SHARES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Atlantic Union may issue depositary shares
representing fractional interests in shares of our preferred stock of any series. The following description sets forth certain
general terms and provisions of the depositary shares to which any prospectus supplement may relate. The particular terms of the
depositary shares to which any prospectus supplement may relate and the extent, if any, to which the general terms and provisions
may apply to the depositary shares so offered will be described in the applicable prospectus supplement. To the extent that any
particular terms of the depositary shares, deposit agreements and depositary receipts described in a prospectus supplement differ
from any of the terms described below, the terms described below will be deemed to have been superseded by that prospectus supplement.
You should read the applicable deposit agreement and depositary receipts for additional information before you decide whether to
purchase any of Atlantic Union&rsquo;s depositary shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In connection with the issuance of any
depositary shares, Atlantic Union will enter into a deposit agreement with a bank or trust company, as depositary, which will be
named in the applicable prospectus supplement. Depositary shares will be evidenced by depositary receipts issued pursuant to the
related deposit agreement. Immediately following our issuance of our preferred stock represented by the depositary shares, Atlantic
Union will deposit the shares of such preferred stock with the relevant depositary and will cause the depositary to issue, on our
behalf, the related depositary receipts. Subject to the terms of the deposit agreement, each owner of a depositary receipt will
be entitled, in proportion to the fractional interest in the share of preferred stock represented by the related depositary share,
to all the rights, preferences and privileges of, and will be subject to all of the limitations and restrictions on, the preferred
stock represented by the depositary receipt (including, if applicable, dividend, voting, conversion, exchange, redemption, sinking
fund, subscription and liquidation rights). The applicable prospectus supplement will describe the terms of the depositary shares
offered thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Description of Depositary Shares Representing Fractional
Interests in Shares of Series&nbsp;A Preferred Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following description summarizes specific
terms and provisions of the Depositary Shares relating to the Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>General</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary Shares represent proportional
fractional interests in shares of the Series&nbsp;A Preferred stock. Each Depositary Share represents a 1/400th interest in a share
of the Series&nbsp;A Preferred Stock, and will be evidenced by depositary receipts. We will deposit the underlying shares of the
Series&nbsp;A Preferred Stock with a depositary pursuant to a deposit agreement among us, Computershare Trust Company, N.A., acting
as depositary, Computershare Inc. and the holders from time to time of the depositary receipts evidencing the Depositary Shares
(the &ldquo;Deposit Agreement&rdquo;). Subject to the terms of the Deposit Agreement, each holder of a Depositary Share is entitled,
through the depositary, in proportion to the applicable fraction of a share of Series&nbsp;A Preferred Stock represented by such
Depositary Share, to all the rights and preferences of the Series&nbsp;A Preferred Stock represented thereby (including dividend,
voting, redemption and liquidation rights).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In this prospectus, references to &ldquo;holders&rdquo;
of Depositary Shares mean those who own Depositary Shares registered in their own names on the books that we or the depositary
maintain for this purpose, and not indirect holders who own beneficial interests in Depositary Shares registered in street name
or issued in book-entry form through DTC. Please review the special considerations that apply to indirect holders described in
the section entitled &ldquo;Book-Entry Procedures and Settlement.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Following the issuance of the Series&nbsp;A
Preferred Stock, we deposited the Series&nbsp;A Preferred Stock with the depositary, which then issued the Depositary Shares. Copies
of the forms of Deposit Agreement and the depositary receipt may be obtained from us upon request and in the manner described in
the section entitled &ldquo;Where You Can Find More Information.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Dividends and Other Distributions</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Each dividend payable on a Depositary Share
will be in an amount equal to 1/400th of the dividend declared and payable on the related share of the Series&nbsp;A Preferred
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The depositary will distribute any cash
dividends or other cash distributions received in respect of the deposited Series&nbsp;A Preferred Stock to the record holders
of depositary shares relating to the underlying Series&nbsp;A Preferred Stock in proportion to the number of Depositary Shares
held by the holders. If we make a distribution other than in cash, the depositary will distribute any property received by it to
the record holders of Depositary Shares entitled to those distributions, unless it determines that the distribution cannot be made
proportionally among those holders or that it is not feasible to make a distribution. In that event, the depositary may, with our
approval, sell the property and distribute the net proceeds from the sale to the holders of the Depositary Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Record dates for the payment of dividends
and other matters relating to the Depositary Shares will be the same as the corresponding record dates for the Series&nbsp;A Preferred
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The amounts distributed to holders of Depositary
Shares will be reduced by any amounts required to be withheld by the depositary or by us on account of taxes or other governmental
charges. The depositary may refuse to make any payment or distribution, or any transfer, exchange, or withdrawal of any Depositary
Shares or the shares of the Series&nbsp;A Preferred Stock until such taxes or other governmental charges are paid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Redemption of Depositary Shares</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If we redeem the Series&nbsp;A Preferred
Stock represented by the Depositary Shares, the Depositary Shares will be redeemed from the proceeds received by the depositary
resulting from the redemption of the Series&nbsp;A Preferred Stock held by the depositary. The redemption price per Depositary
Share is expected to be equal to 1/400th of the redemption price per share payable with respect to the Series&nbsp;A Preferred
Stock (or $25 per Depositary Share), plus any declared and unpaid dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Whenever we redeem shares of Series&nbsp;A
Preferred Stock held by the depositary, the depositary will redeem, as of the same redemption date, the number of Depositary Shares
representing shares of Series&nbsp;A Preferred Stock so redeemed. If fewer than all of the outstanding Depositary Shares are redeemed,
the depositary will select the Depositary Shares to be redeemed pro rata or by lot. The depositary will send notice of redemption
to record holders of the depositary receipts not less than 15 and not more than 60 days prior to the date fixed for redemption
of the Series&nbsp;A Preferred Stock and the related Depositary Shares (provided that, if the Depositary Shares representing the
Series&nbsp;A Preferred Stock are held in book-entry form through DTC, the depositary may give such notice in any manner permitted
by DTC).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Voting the Preferred Stock</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Because each Depositary Share represents
a 1/400th interest in a share of the Series&nbsp;A Preferred Stock, holders of depositary receipts will be entitled to 1/400th
of a vote per Depositary Share under those limited circumstances in which holders of the Series&nbsp;A Preferred Stock are entitled
to a vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">When the depositary receives notice of any
meeting at which the holders of the Series&nbsp;A Preferred Stock are entitled to vote, the depositary will send the information
contained in the notice to the record holders of the Depositary Shares relating to the Series&nbsp;A Preferred Stock. Each record
holder of the Depositary Shares on the record date, which will be the same date as the record date for the Series&nbsp;A Preferred
Stock, may instruct the depositary to vote the amount of the Series&nbsp;A Preferred Stock represented by the holder&rsquo;s Depositary
Shares. To the extent possible, the depositary will vote the amount of the Series&nbsp;A Preferred Stock represented by Depositary
Shares in accordance with the instructions it receives. We have agreed to take all reasonable actions that the depositary determines
are necessary to enable the depositary to vote as instructed. If the depositary does not receive specific instructions from the
holders of any Depositary Shares representing the Series&nbsp;A Preferred Stock, it will not vote the amount of the Series&nbsp;A
Preferred Stock represented by such Depositary Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Depositary Agent, Transfer Agent and Registrar</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Computershare Trust Company, N.A. is the
depositary and, collectively with Computershare Inc., is the transfer agent and registrar for the Depositary Shares. We may, in
our sole discretion, remove the depositary in accordance with the agreement between us and the depositary; provided that we will
appoint a successor depositary who will accept such appointment prior to the effectiveness of its removal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Form&nbsp;of Depositary Shares</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Depositary Shares have been issued in
book-entry form through DTC, as described in &ldquo;Book-Entry Procedures and Settlement&rdquo; below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Listing of Depositary Shares</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Depositary Shares are listed on the NASDAQ Global Select
Market under the symbol &ldquo;AUBAP.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Book Entry Procedures and Settlement</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have issued the Depositary Shares under
a book-entry system in the form of global depositary receipts. We have registered the global depositary receipts in the name of
a nominee for DTC. The global depositary receipts have been deposited with the depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">DTC is the only registered holder of the
depositary receipts representing the Depositary Shares and is considered the sole owner of the depositary receipts for purposes
of the Deposit Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Global depositary receipts may be transferred,
in whole and not in part, only to another nominee of DTC or to a successor of DTC or its nominee. Beneficial interests in the global
depositary receipts may be held through the Euroclear System, or Euroclear, and Clearstream Banking, S.A., or Clearstream, each
as indirect participants in DTC. Transfers of beneficial interests in the global depositary receipts are subject to the applicable
rules&nbsp;and procedures of DTC and its direct and indirect participants, including, if applicable, those of Euroclear and Clearstream,
which may change from time to time. DTC has advised us as follows: it is a limited-purpose trust company organized under the New
York Banking Law, a &ldquo;banking organization&rdquo; within the meaning of the New York Banking Law, a member of the Federal
Reserve System, a &ldquo;clearing corporation&rdquo; within the meaning of the New York Uniform Commercial Code, and a &ldquo;clearing
agency&rdquo; registered pursuant to the provisions of Section&nbsp;17A of the Exchange Act. DTC holds securities that its participants
deposit with it. DTC also facilitates the post-trade settlement among participants of sales and other securities transactions in
deposited securities through electronic computerized book entry transfers and pledges between participants&rsquo; accounts, thereby
eliminating the need for physical movement of securities certificates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Direct participants in DTC&rsquo;s system
include both U.S. and non-U.S. securities brokers and dealers, banks, trust companies, clearing corporations, and certain other
organizations. Access to DTC&rsquo;s system also is available to others such as both U.S. and non- U.S. securities brokers and
dealers, banks, trust companies and clearing corporations that clear through or maintain a custodial relationship with a direct
participant, either directly or indirectly, which we collectively call indirect participants. Persons that are not participants
may beneficially own securities held by or on behalf of DTC only through the participants or the indirect participants. The ownership
interests in, and transfers of ownership interests in, each security held by or on behalf of DTC are recorded on the records of
the participants and the indirect participants. The rules&nbsp;applicable to DTC and its participants are on file with the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Ownership of beneficial interests in the
global depositary receipts are limited to participants or persons that may hold interests through participants. Ownership of beneficial
interests in the global depositary receipts will be shown on, and the transfer of those ownership interests may be effected only
through, records maintained by DTC or its nominee (with respect to participants) and the records of participants and indirect participants
(with respect to other owners of beneficial interests in the global depositary receipts).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">All interests in a global depositary receipt,
including those held through Euroclear or Clearstream, may be subject to the procedures and requirements of DTC. Those interests
held through Euroclear or Clearstream may also be subject to the procedures and requirements of such systems.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The laws of some states require that certain
purchasers of securities take physical delivery of those securities in definitive form. These laws may impair the ability of holders
to transfer beneficial interests in depositary receipts to certain purchasers. Because DTC can act only on behalf of the participants,
which in turn act on behalf of the indirect participants, the ability of a person having beneficial interests in a global depositary
receipt to pledge such interests to persons that do not participate in the DTC system, or otherwise take actions in respect of
such interests, may be affected by the lack of a physical certificate evidencing such interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">So long as DTC or any successor depositary
for a depositary receipt, or any nominee, is the registered holder of such depositary receipt, DTC or such successor depositary
or nominee will be considered the sole owner or holder of the Depositary Shares represented by such depositary receipts for all
purposes under the Deposit Agreement. Except as set forth below, owners of beneficial interests in a depositary receipt will not
be entitled to have Depositary Shares represented by such depositary receipt registered in their names, will not receive or be
entitled to receive physical delivery of Depositary Shares or depositary receipts in definitive form, and will not be considered
the owners or holders thereof for any purpose under the Deposit Agreement. Accordingly, each person owning a beneficial interest
in a depositary receipt must rely on the procedures of DTC and, if such person is not a participant, on the procedures of the participant
through which such person owns its interest, to exercise any rights of a holder under the Deposit Agreement. We understand that,
under existing industry practices, in the event that we request any action of holders or that an owner of a beneficial interest
in the depositary receipts desires to give any consent or take any action under the Deposit Agreement, DTC or any successor depositary
would authorize the participants holding the relevant beneficial interests to give or take such action or consent, and such participants
would authorize beneficial owners owning through such participants to give or take such action or consent or would otherwise act
upon the instructions of beneficial owners owning through them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Payment of dividends, if any, distributions
upon liquidation or other distributions with respect to the Depositary Shares that are registered in the name of or held by DTC
or any successor depositary or nominee will be payable to DTC or such successor depositary or nominee, as the case may be, in its
capacity as registered holder of the global depositary receipts representing the Depositary Shares. Under the terms of the Deposit
Agreement, the depositary will treat the persons in whose names the Depositary Shares, including the depositary receipts, are registered
as the owners of such securities for the purpose of receiving payments and for all other purposes. Consequently, neither we, nor
any depositary, nor any agent of us or any such depositary will have any responsibility or liability for any aspect of the records
relating to, or payments made on account of, beneficial ownership interests in the depositary receipts, for maintaining, supervising
or reviewing any records relating to such beneficial ownership interests, or for any other matter relating to the actions and practices
of DTC or any of its participants or indirect participants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have been advised by DTC that its current
practice, upon receipt of any payment of dividends, distributions upon liquidation or other distributions with respect to the depositary
receipts, is to credit participants&rsquo; accounts with payments on the payment date, unless DTC has reason to believe it will
not receive payments on such payment date. Each relevant participant is credited with an amount proportionate to its beneficial
ownership of an interest in the relevant security as shown on the records of DTC. Payments by participants and indirect participants
to owners of beneficial interests in the global depositary receipts held through such participants and indirect participants will
be governed by standing instructions and customary practices, as is now the case with securities held for the accounts of customers
in bearer form or registered in &ldquo;street name,&rdquo; and will be the responsibility of such participants or indirect participants,
and will not be the responsibility of us, any depositary, nor any agent of us or of any such depositary. Neither we nor any such
depositary or agent will be liable for any delay by DTC or by any participant or indirect participant in identifying the beneficial
owners of the Depositary Shares, and we and any such depositary or agent may conclusively rely on and will be protected in relying
on instructions from DTC or its nominee for all purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Cross-market transfers between the participants
in DTC, on the one hand, and Euroclear or Clearstream participants, on the other hand, will be effected through DTC in accordance
with DTC&rsquo;s rules&nbsp;on behalf of Euroclear or Clearstream, as the case may be, by its depositary; however, such cross-market
transactions will require delivery of instructions to Euroclear or Clearstream, as the case may be, by the counterparty in such
system in accordance with the rules&nbsp;and procedures and within the established deadlines (Brussels time) of such system. Euroclear
or Clearstream, as the case may be, will, if the transaction meets its settlement requirements, deliver instructions to its respective
depositary to take action to effect final settlement on its behalf by delivering or receiving interests in the relevant global
depositary receipts in DTC, and making or receiving payment in accordance with normal procedures for same-day funds settlement
applicable to DTC. Euroclear participants and Clearstream participants may not deliver instructions directly to the depositories
for Euroclear or Clearstream. DTC has advised us that it will take any action permitted to be taken by a holder of Depositary Shares
only at the direction of one or more participants to whose account DTC has credited the interests in the global depositary receipts
and only in respect of such portion of the aggregate amount of the Depositary Shares as to which such participant or participants
has or have given such direction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have the right to replace the global
depositary receipt with depositary receipts in certificated form. If we exercise such right, we will register the depositary receipts
in certificated form in the names of the beneficial owners and distribute such depositary receipts in certificated form to such
beneficial owners. Subject to the limitations described below, the holders of the depositary receipts in certificated form will
have the right to withdraw the underlying shares of the Series&nbsp;A Preferred Stock from the depositary arrangement upon surrender
of such depositary receipts at the corporate trust office of the depositary and upon payment of the taxes, charges, and fees provided
for in the Deposit Agreement. Subject to the Deposit Agreement, the holders of such depositary receipts will receive the appropriate
number of shares of the Series&nbsp;A Preferred Stock and any money or property represented by the Depositary Shares. You may also
request to replace your book-entry depositary receipts with depositary receipts in certificated form registered in your name as
beneficial owner.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Only whole shares of the Series&nbsp;A Preferred
Stock may be withdrawn. If a holder holds an amount other than a whole multiple of 1,000 Depositary Shares, the depositary will
deliver, along with the withdrawn shares of the Series&nbsp;A Preferred Stock, a new depositary receipt evidencing the excess number
of Depositary Shares. Holders of withdrawn shares of the Series&nbsp;A Preferred Stock will not be entitled to redeposit those
shares or to receive Depositary Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Although DTC, Euroclear and Clearstream
have agreed to the foregoing procedures to facilitate transfers of interests in the global securities among participants in DTC,
Euroclear and Clearstream, they are under no obligation to perform or to continue to perform such procedures, and may discontinue
such procedures at any time. Neither we, nor any depositary, nor any agent of us or of any such depositary will have any responsibility
for the performance by DTC, Euroclear or Clearstream or their respective participants or indirect participants of their respective
obligations under the rules&nbsp;and procedures governing their operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The information in this section, including
any description of the operations and procedures of DTC, Euroclear and Clearstream, has been provided solely as a matter of convenience.
We do not take any responsibility for the accuracy of this information, and this information is not intended to serve as a representation,
warranty or contract modification of any kind. The operations and procedures of DTC, Euroclear and Clearstream are solely within
the control of such settlement systems and are subject to changes by them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_001"></A>DESCRIPTION OF DEBT SECURITIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following description of the debt securities
sets forth certain general terms that may apply to the debt securities that we may offer under this prospectus. The debt securities
may be issued as senior debt securities or subordinated debt securities. Unless otherwise specified in the applicable prospectus
supplement, we may issue senior debt securities under a senior indenture (the &ldquo;senior indenture&rdquo;), which we will enter
into with a trustee to be named in the senior indenture. Prior to issuing any debt securities under such senior indenture, we will
select the trustee for the senior indenture (the &ldquo;senior indenture trustee&rdquo;) relating to the issuance of senior debt
securities, qualify the senior indenture trustee under the Trust Indenture Act and execute such senior indenture. We also may issue
subordinated debt securities in one or more series under the Subordinated Indenture, dated December&nbsp;5, 2016 (the &ldquo;subordinated
indenture&rdquo;), between us and U.S. Bank National Association, and the related supplemental indenture for such subordinated
debt securities. Each of the senior indenture trustee and U.S. Bank National association is referred to as the &ldquo;indenture
trustee,&rdquo; unless otherwise specified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The senior indenture and subordinated indenture
are sometimes collectively referred to as the &ldquo;indentures&rdquo; and individually referred to as an &ldquo;indenture,&rdquo;
and the senior debt securities and the subordinated debt securities are sometimes referred to as the &ldquo;debt securities.&rdquo;
The indentures are subject to and governed by the Trust Indenture Act of 1939, as amended (the &ldquo;Trust Indenture Act&rdquo;).
The form of senior indenture and the subordinated indenture are incorporated by reference in the registration statement of which
this prospectus is a part.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following summary of the terms of the
indentures is subject to, and qualified in its entirety by reference to, the indentures, which contain the full legal text of the
matters described in this section, and the description of the specific terms of the debt securities in the applicable prospectus
supplement. The following summary is not complete. You should read all of the provisions of the indentures, including the definitions
of certain terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Since we are a holding company, our right,
and accordingly, the right of our creditors and shareholders, including the holders of the securities offered by this prospectus
and any prospectus supplement, to participate in any distribution of assets of any of our subsidiaries upon its liquidation, reorganization
or similar proceeding is subject to the prior claims of creditors of that subsidiary, except to the extent that our claims as a
creditor of the subsidiary may be recognized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The senior debt securities and, in the
case of debt securities in bearer form, any coupons to these securities, will constitute part of our senior debt and, except as
otherwise provided in the applicable prospectus supplement, will rank on a parity with all of our other unsecured and unsubordinated
debt. The subordinated debt securities and any coupons will constitute part of our subordinated debt and will be subordinate and
junior in right of payment to all of our &ldquo;senior indebtedness&rdquo; (as defined herein). If this prospectus is being delivered
in connection with a series of subordinated debt securities, the accompanying prospectus supplement or the information we incorporate
in this prospectus by reference will indicate the approximate amount of senior indebtedness outstanding as of the end of the most
recent fiscal quarter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Payments</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may issue debt securities from time
to time in one or more series. The provisions of each indenture may allow us to &ldquo;reopen&rdquo; a previous issue of a series
of debt securities and issue additional debt securities of that issue. The debt securities may be denominated and payable in U.S.
dollars.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Debt securities may bear interest at a
fixed rate or a floating rate, which, in either case, may be zero, or at a rate that varies during the lifetime of the debt security.
Debt securities may be sold at a substantial discount below their stated principal amount, bearing no interest or interest at a
rate which at the time of issuance is below market rates. The applicable prospectus supplement will describe the United States
federal income tax consequences and special considerations applicable to any such debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Terms Specified in Prospectus Supplement</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The debt securities will not be secured
by any of our assets. All of the debt securities issued under each of the indentures will rank equally and ratably with any additional
debt securities issued under the same indenture. The subordinated debt securities will be subordinated as described below under
the heading &ldquo;&mdash; Subordination Provisions.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The indentures give us broad authority
to set the particular terms of each series of debt securities, including the right to modify certain of the terms contained in
the applicable indenture. We will describe the specific terms of a series of debt securities and the extent, if any, to which the
specific terms of the debt securities modify the terms of the applicable indenture in the prospectus supplement relating to the
debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Neither the indentures nor the debt securities
limit or otherwise restrict the amounts of other indebtedness that we may incur, or the amount of other securities that we may
issue. The indentures do not limit the principal amount of any particular series of debt securities. Each prospectus supplement
will specify the particular terms of the debt securities being offered, including without limitation the following, as may be applicable:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>classification as senior or subordinated debt securities and the specific designation;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>aggregate principal amount, purchase price and denomination;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>currency in which the debt securities are denominated and/or in which principal, and premium, if any, and/or interest, if any,
is payable;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>date of maturity;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the interest rate or rates or the method by which the interest rate or rates will be determined, if any;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the interest payment dates, if any;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the place or places for payment of the principal of and any premium and/or interest on the debt securities;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any repayment, redemption, prepayment or sinking fund provisions, including any redemption notice provisions;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether we will issue the debt securities in registered form or bearer form or both and, if we are offering debt in bearer
form, any restrictions applicable to the exchange of one form for another and to the offer, sale and delivery of those debt securities
in bearer form;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether we will issue the debt securities in definitive form and under what terms and conditions;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the denominations the debt securities will be issued;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the terms on which holders of the debt securities may convert or exchange these securities into or for common or preferred
stock or other securities of ours offered hereby, into or for common or preferred stock or other securities of an entity affiliated
with us or debt or equity or other securities of an entity not affiliated with us, or for the cash value of our stock or any of
the above securities, the terms on which conversion or exchange may occur, including whether conversion or exchange is mandatory,
at the option of the holder or at our option, the period during which conversion or exchange may occur, the initial conversion
or exchange price or rate and the circumstances or manner in which the amount of common or preferred stock or other securities
issuable upon conversion or exchange may be adjusted;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>information as to the methods for determining the amount of principal or interest payable on any date and/or the currencies,
securities or baskets of securities, commodities or indices to which the amount payable on that date is linked;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any agents for the debt securities, including trustees, depositories, authenticating or paying agents, transfer agents or registrars;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the depository for global certificated securities, if any; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any other specific terms of the debt securities, including any additional events of default or covenants, and any terms required
by or advisable under applicable laws or regulations.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Registration and Transfer of Debt Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Holders may present debt securities for
exchange, and holders of registered debt securities may present these securities for transfer, in the manner, at the places and
subject to the restrictions stated in the indentures and the debt securities and described in the applicable prospectus supplement.
We will provide these services without charge except for any tax or other governmental charge payable in connection with these
services and subject to any limitations provided in the applicable indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If any of the securities are to be held
in global form, the procedures for transfer of interests in those securities will depend upon the procedures of the depositary
for those global securities. See &ldquo;Description of Global Securities.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Subordination Provisions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The prospectus supplement relating to any
offering of subordinated debt securities will describe the specific subordination provisions. However, unless otherwise noted in
the prospectus supplement, subordinated debt securities will be subordinate and junior in right of payment to all of our senior
indebtedness, to the extent and in the manner set forth in the subordinated indenture. Pursuant to the subordinated indenture,
&ldquo;senior indebtedness&rdquo; with respect to any series of subordinated debt securities:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>has the meaning ascribed to such term in the board resolutions or supplemental indenture establishing such series in accordance
with the subordinated debt indenture;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>and includes all of our:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">o</FONT></TD><TD>indebtedness for borrowed or purchased money, whether or not evidenced by bonds, debentures, securities, notes or other written
instruments;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">o</FONT></TD><TD>deferred obligations for the payment of the purchase price of property or assets acquired other than in the ordinary course
of business;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">o</FONT></TD><TD>obligations, contingent or otherwise, under letters of credit, bankers acceptances, security purchase facilities and similar
transactions;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">o</FONT></TD><TD>capital lease obligations;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">o</FONT></TD><TD>obligations with respect to interest rate swap, cap or other agreements, interest rate future or option contracts, currency
swap agreements, currency future or option contacts, commodity contracts and other similar agreements;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">o</FONT></TD><TD>guarantees, endorsements (other than by endorsement of negotiable instruments for collection in the ordinary course of business),
and other similar contingent obligations in respect of obligations of others of a type described in the preceding bullets, whether
or not classified as a liability on a balance sheet prepared in accordance with accounting principles generally accepted in the
United States; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">o</FONT></TD><TD>any obligations of the Company to its general creditors, as defined and required by the Federal Reserve under its final Basel
III capital rules&nbsp;in 78 F.R. 62018 (Oct.&nbsp;11, 2013) for subordinated debt to qualify as Tier 2 capital; in each case,
whether outstanding on the date this Subordinated Indenture becomes effective, or created, assumed or incurred after that date.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Senior indebtedness excludes any indebtedness that: (a)&nbsp;expressly
states that it is junior to, or ranks equally in right of payment with, the subordinated debt securities or the subordinated debt
securities of any series; or (b)&nbsp;is identified as junior to, or equal in right of payment with, the subordinated debt securities
or the subordinated debt securities of any series in any board resolution or in any supplemental indenture. Senior indebtedness
shall continue to be senior indebtedness and be entitled to the benefits of the subordination provisions irrespective of any amendment,
modification or waiver of any term of such senior indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The subordinated debt securities will be
unsecured and will be subordinate and junior in right of payment, to the extent and in the manner set forth below, to the prior
payment in full of all of the Company&rsquo;s senior indebtedness, as more fully described in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">All liabilities of our subsidiary bank
and our other subsidiaries, including without limitation our subsidiary bank&rsquo;s depositors, liabilities to general creditors,
and liabilities arising during our subsidiaries&rsquo; ordinary course of business or otherwise, will be effectively senior to
the subordinated debt securities to the extent of the assets of such subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In the event of any insolvency, bankruptcy,
receivership, liquidation, reorganization, readjustment of debt, composition, or other similar proceeding relating to us or our
property, any proceeding for the liquidation, dissolution, or other winding up of us, whether voluntary or involuntary and whether
or not involving insolvency or bankruptcy proceedings, any assignment by us for the benefit of creditors or any other marshalling
of our assets, all of our obligations to holders of our senior indebtedness will be entitled to be paid in full before any payment
or distribution, whether in cash, securities or other property, can be made on account of the principal or interest on the subordinated
debt securities. Only after payment in full of all amounts owing with respect to senior indebtedness will the holders of the subordinated
debt securities, together with the holders of any of our obligations ranking on a parity with the subordinated debt securities,
be entitled to be paid from our remaining assets the amounts due and owing on account of unpaid principal of and interest on the
subordinated debt securities. In the event and during the continuation of any default in the payment of the principal of, or any
premium or interest on any senior indebtedness beyond any applicable grace period with respect to such senior indebtedness, or
in the event that any event of default with respect to any senior indebtedness shall have occurred and be continuing permitting
the holders of such senior indebtedness (or the trustee or agent on behalf of the holders of such subordinated debt securities),
to declare such senior indebtedness due and payable prior to the date on which it would otherwise have become due and payable,
unless and until such event of default shall have been cured or waived, or shall have ceased to exist and such acceleration shall
have been rescinded or annulled, or in the event any judicial proceeding shall be pending with respect to any such default in payment
or event of default, then no payment shall be made by us on account of the principal of, or interest on, the subordinated debt
securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In the event of our bankruptcy or insolvency,
holders of our senior indebtedness may receive more, ratably, and holders of the subordinated debt securities may receive less,
ratably, than our other creditors. With respect to the assets of a subsidiary of ours, our creditors (including holders of the
subordinated debt securities) are structurally subordinated to the prior claims of creditors of such subsidiary, except to the
extent that we may be a creditor with recognized claims against such subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in"><B>The subordinated indentures does not
contain any limitation on the amount of senior indebtedness or other obligations ranking senior to or equally with the indebtedness
evidenced by the subordinated debt securities that may be hereafter incurred by us or our subsidiaries.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Covenants</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Under the indentures we covenant to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>pay the principal of, interest on and premium, if any, for the debt securities when due;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>maintain a place of payment;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>deposit sufficient funds with any paying agent on or before the due date for any principal, interest or premium, if any;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>if any series of debt securities provides for the payment of additional amounts, to pay such additional amounts as provided
for by the terms of such series of debt securities;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>deliver an officer&rsquo;s certificate to the applicable trustee at the end of each fiscal year confirming our compliance with
our obligations under each of the indentures;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>pay or discharge or cause to be paid or discharged, before any delinquency, (i)&nbsp;all taxes, assessments and governmental
charges levied or imposed on us or any of our subsidiary, and (ii)&nbsp;all lawful claims for labor, material and supplies which,
if unpaid, might become a lien on our or any of our subsidiary&rsquo;s property;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>preserve and keep in full force and effect our corporate existence except as otherwise provided in the indentures; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>take such other actions as may be specified in the applicable supplemental indenture for a series of debt securities.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Events of Default</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Under the indentures, an event of default
will occur with respect to a series of debt securities: (i)&nbsp;if we fail to pay interest on the debt securities of that series
as and when due and such failure continues for 30 days; (ii)&nbsp;if we fail to pay the principal of the debt securities of that
series as and when due; (iii)&nbsp;if we default in the payment of any sinking fund payment for the debt securities of that series
when due; (iv)&nbsp;if we fail to deliver the required debt securities or other rights upon an appropriate conversion or exchange
election by any holder of convertible debt securities; (v)&nbsp;if we breach any covenant or agreement applicable to the debt securities
of that series and such failure continues for 90 days following notice of the same; (vi)&nbsp;if a court enters an order in an
involuntary bankruptcy or insolvency proceeding with respect to us that continues unstayed and in effect for a period of 60 consecutive
days; (vii)&nbsp;if we commence a bankruptcy or insolvency proceeding, consent to the entry of an order in an involuntary bankruptcy
or insolvency proceeding, consent to the appointment of a receiver, liquidator or similar official, make a general assignment for
the benefit of creditors, or fail generally to pay our debts as they become due; or (viii)&nbsp;if any other event of default applicable
to such series of debt securities occurs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless the terms of a particular series
of debt securities provide otherwise, if an event of default (other than an event of default specified in clauses (vi)&nbsp;or
(vii)&nbsp;above) under the indenture occurs and is continuing, then the trustee or the holders of not less than 25% in principal
amount of the outstanding debt securities of that series may declare the entire principal amount of all debt securities of that
series to be due and immediately payable, together with accrued and unpaid interest thereon, if any.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless the terms of a particular series
of debt securities provide otherwise, if an event of default specified in clauses (vi)&nbsp;or (vii)&nbsp;above occurs, the entire
principal amount of all debt securities of that series (or, if any debt securities of that series are original issue discount debt
securities, the portion of the principal amount of such debt securities as may be specified by the terms thereof), together with
accrued and unpaid interest thereon, if any, will automatically, and without any declaration or other action on the part of the
trustee or any holder, become immediately due and payable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">After a declaration of acceleration or
any automatic acceleration under clauses (vi)&nbsp;or (vii)&nbsp;above and before a judgment or decree for payment of the money
due has been obtained, the holders of a majority in principal amount outstanding of a series of debt securities may rescind the
accelerated payment requirement if all existing events of default with respect to the debt securities of such series, other than
the non-payment of the principal of debt securities of that series which have become due solely by such acceleration declaration,
have been cured or waived and certain other conditions are satisfied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Each indenture provides that the trustee
will be under no obligation to exercise any of its rights or powers under the indenture at the request, or direction of any of
the holders of debt securities, unless such holders shall have provided to the trustee indemnity or security acceptable to the
trustee against the costs, expenses and liabilities which may be incurred by it in complying with such request or direction. Subject
to certain provisions, the holders of a majority in principal amount of the outstanding debt securities of a series will have the
right to direct the time, method, and place of conducting any proceeding for any remedy available to the trustee or exercising
any trust or power conferred on the trustee with respect to the debt securities of such series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">No holder of debt securities shall have
any right to institute any proceeding, judicial or otherwise, with respect to the indenture, or for the appointment of a receiver
or trustee, or for any other remedy under the indenture, unless:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>such holder has previously given written notice to the trustee of a continuing default with respect to the debt securities
of the applicable series;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the holders of not less than 25% in principal amount of the debt securities of such series shall have made written request
to the trustee to institute proceedings in respect of such default in its own name as trustee under the indenture;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>such holder or holders have provided to the trustee indemnity acceptable to the trustee against the costs, expenses, and liabilities
which may be incurred in complying with such request;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the trustee for 60 days after its receipt of such notice, request, and indemnity has failed to institute any such proceeding;
and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>no direction inconsistent with such written request has been received by the trustee during such 60 day-period by the holders
of a majority in principal amount of the outstanding debt securities of such series.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In any event, each indenture provides that
no one or more of such holders shall have any right under the indenture to affect, disturb or prejudice the rights of any other
holder, or to obtain priority or preference over any of the other holders or to enforce any right under the indenture, except in
the manner provided in the indenture and for the equal and ratable benefit of all holders of debt securities of a given series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The indentures contain a covenant that
we will file annually with the trustee a certificate of no default or a certificate specifying any default that exists.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Legal Defeasance and Covenant Defeasance</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may choose to either discharge our obligations
under the indenture and the debt securities in a legal defeasance, or to release ourselves from certain or all of our covenant
restrictions under the indenture and the debt securities in a covenant defeasance. We may do so, after we irrevocably deposit with
the trustee for the benefit of the holders of the debt securities of the applicable series, sufficient cash and/or U.S. government
securities to pay the principal of (and premium, if any) and interest and any other sums due on the stated maturity date or a redemption
date of the debt securities of such series. If we choose the legal defeasance option, the holders of debt securities of such series
will not be entitled to the benefits of the indenture except for certain limited rights, including registration of transfer and
exchange of debt securities, replacement of lost, stolen or mutilated debt securities and the right to receive payments of the
principal of (and premium, if any) and interest on such debt securities when such payments are due.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may discharge our obligations under
the indenture or release ourselves from covenant restrictions only if we meet certain requirements. Among other things, we must
deliver to the trustee an opinion of our legal counsel to the effect that holders of the debt securities of the applicable series
will not recognize income, gain or loss for federal income tax purposes as a result of such defeasance and will be subject to federal
income tax on the same amount, in the same manner and at the same times, as would have been the case if such deposit and defeasance
had not occurred. In the case of legal defeasance only, this opinion must be based on either a ruling received from or published
by the Internal Revenue Service or a change in the applicable federal income tax law. We may not have a default under the indenture
or the debt securities of the applicable series on the date of deposit and, under certain circumstances, 120 days after such deposit.
The discharge may not cause the trustee to have a conflicting interest for purposes of the Trust Indenture Act and may not result
in our becoming an investment company in violation of the Investment Company Act of 1940. The discharge may not violate any of
our agreements to which we are a party or by which we are bound.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Satisfaction and Discharge</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may discharge our obligations under
each indenture and each series of debt securities if: (i)&nbsp;all outstanding debt securities of such series have been delivered
for cancellation; (ii)&nbsp;all outstanding debt securities of such series have become due and payable or will become due and payable
at their stated maturity within one year; or (iii)&nbsp;all outstanding debt securities of such series are scheduled for redemption
within one year, and we have irrevocably deposited with the trustee an amount sufficient to pay and discharge the principal of
(and premium, if any) and interest on all outstanding debt securities of such series and any other sums due on the stated maturity
date or a redemption date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Modification and Waiver</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Each indenture provides that we and the
trustee may modify or amend the indenture with, or, in certain cases, without the consent of the holders of a majority in principal
amount of outstanding debt securities affected thereby;&nbsp;<I>provided, however</I>, that any modification or amendment may not,
without the consent of the holder of each outstanding debt security affected thereby:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>change the stated maturity of the principal of, or any installment of interest on, any debt security;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>reduce the principal amount or rate of interest of any debt security;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>reduce the percentage in principal amount of the outstanding debt securities of a series, the consent of whose holders is required
to modify or amend the indenture, for any supplemental indenture, or for any waiver of compliance with certain provisions of the
indenture or certain defaults and the consequences thereof under the indenture;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>impair the right to institute suit for the enforcement of any payment on or with respect to the debt securities of a series;
or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>modify the provisions of the indenture with respect to subordination of the debt securities of a series in a manner adverse
to the holders of such debt securities.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In addition, the holders of a majority
in principal amount of the outstanding debt securities of a given series may, on behalf of all holders of debt securities of such
series, waive compliance by us with certain terms, conditions and provisions of the indenture, as well as any past default and/or
the consequences of default, other than any default in the payment of principal or interest or any breach in respect of a covenant
or provision that cannot be modified or amended without the consent of the holder of each outstanding debt security of such series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Consolidation, Merger or Sale</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The indentures provide that we may not
consolidate with or merge into any other entity or convey, transfer or lease all or substantially all of our assets to another
entity unless (i)&nbsp;the successor entity is a corporation, partnership, limited liability company or other entity organized
or formed and validly existing under the laws of the United States of America, any State thereof or the District of Columbia and
expressly assumes the due and punctual payment of the principal of (and premium, if any) and interest on all the debt securities
and the performance of every other covenant of the indenture on our part to be performed or observed; (ii)&nbsp;immediately after
giving effect to such transaction and treating any indebtedness that becomes an obligation of ours or any of our subsidiaries as
a result of such transaction as having been incurred by us or our subsidiary at the time of such transaction, no event of default,
and no event which, after notice or lapse of time or both, would become an event of default, shall have occurred and be continuing;
and (iii)&nbsp;the successor entity delivers to the trustee an officer&rsquo;s certificate and an opinion of counsel, each stating
that such transaction complies with the indenture and that all conditions precedent herein provided for relating to such transaction
have been complied with.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In case of any such consolidation, merger
or sale, the successor entity will succeed to, and be substituted for, us, and may exercise every right and power of ours under
the indenture with the same effect as if it had been named as us in the applicable indenture. In the event of such succession and
substitution, we will be relieved of all obligations and covenants under the indentures and the debt securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Governing Law</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The governing law for the senior indenture
and the senior debt securities will be agreed upon at execution of such senior indenture. The subordinated indenture and the subordinated
debt securities are governed by, and construed in accordance with, the laws of the State of New York.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>The Trustees</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The senior indenture trustee will be selected
prior to issuing any senior debt securities under the senior indenture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">U.S. Bank National Association is the subordinated
indenture trustee under the subordinated indenture. From time to time, we, and some of our subsidiaries, may maintain deposit accounts
and conduct other banking transactions, including lending transactions, with the subordinated indenture trustee in the ordinary
course of business. Additionally, U.S. Bank National Association serves as trustee under one or more indentures involving our existing
debt securities. Upon the occurrence of an event of default, or an event which, after notice or lapse of time or both, would become
an event of default under any subordinated debt securities, or upon the occurrence of a default under another indenture under which
U.S. Bank National Association serves as trustee, the subordinated indenture trustee may be deemed to have a conflicting interest
with respect to the other debt securities as to which we are not in default for purposes of the Trust Indenture Act and, accordingly,
may be required to resign as subordinated indenture trustee under the subordinate indenture. In that event, we would be required
to appoint a successor subordinated indenture trustee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_002"></A>DESCRIPTION OF WARRANTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may issue warrants for the purchase
of shares of common stock or preferred stock, or debt securities. Warrants may be issued independently or together with any shares
of common stock or preferred stock or debt securities offered by any prospectus supplement and may be attached to or separate from
the shares of common or preferred stock or debt securities. The warrants are to be issued under warrant agreements to be entered
into between Atlantic Union and a bank or trust company, as warrant agent, as is named in the prospectus supplement relating to
the particular issue of warrants. The warrant agent will act solely as an agent of Atlantic Union in connection with the warrants
and will not assume any obligation or relationship of agency or trust for or with any holders of warrants or beneficial owners
of warrants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following outlines some of the general
terms and provisions of the warrants that we may offer from time to time. Further terms of the warrants and the applicable warrant
agreement will be stated in the applicable prospectus supplement. The following description and any description of the warrants
in a prospectus supplement are not complete and are subject to and qualified in its entirety by reference to the terms and provisions
of the warrant agreement, which we will file with the SEC in connection with an issuance of any warrants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If warrants are offered, the prospectus
supplement will describe the terms of the warrants, including the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the offering price;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the designation, number of shares and terms of the common stock purchasable upon exercise of the common stock warrants and
the price at which such shares of common stock may be purchased upon such exercise;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the designation, number of shares and terms of the preferred stock purchasable upon exercise of the preferred stock warrants
and the price at which such shares of preferred stock may be purchased upon such exercise;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the designation, aggregate principal amount and terms of the debt securities purchasable upon exercise of the debt warrants
and the price at which such debt securities may be purchased upon such exercise;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>if applicable, the designation and terms of the common stock or preferred stock or debt securities with which the warrants
are issued and the number of warrants issued with each share of common stock or preferred stock or such debt security;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>if applicable, the date on and after which the warrants and the related common stock or preferred stock or debt securities
will be separately transferable;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the date on which the right to exercise the warrants shall commence and the date on which such right shall expire;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the warrants will be issued in registered or bearer form;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>a discussion of certain United States federal income tax, accounting and other special considerations, procedures and limitations
relating to the warrants; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any other terms of the warrants.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Warrants may be exchanged for new warrants
of different denominations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If in registered form, warrants may be
presented for registration of transfer, and may be exercised at the corporate trust office of the warrant agent or any other office
indicated in the prospectus supplement. Before the exercise of their warrants, holders of warrants will not have any of the rights
of holders of the securities purchasable upon such exercise, including the right to receive payments of principal of, any premium
on, or any interest on, the debt securities purchasable upon such exercise or to enforce the covenants in the indenture or to receive
payments of dividends, if any, on the common stock or preferred stock purchasable upon such exercise or to exercise any applicable
right to vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Exercise of Warrants</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Each warrant will entitle the holder to
purchase such number of shares of common stock or preferred stock, or such principal amount of debt securities, at such exercise
price as shall in each case be set forth in, or can be calculated according to information contained in, the prospectus supplement
relating to the warrant. Warrants may be exercised at such times as are set forth in the prospectus supplement relating to such
warrants. After the close of business on the expiration date of the warrants, or such later date to which such expiration date
may be extended by Atlantic Union, unexercised warrants will become void.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Subject to any restrictions and additional
requirements that may be set forth in the prospectus supplement, warrants may be exercised by delivery to the warrant agent of
(i)&nbsp;the certificate evidencing such warrants properly completed and duly executed and (ii)&nbsp;payment as provided in the
prospectus supplement of the amount required to purchase the shares of common stock or preferred stock or debt securities purchasable
upon such exercise. The exercise price will be the price applicable on the date of payment in full, as set forth in the prospectus
supplement relating to the warrants. Upon receipt of such payment and the certificate representing the warrants to be exercised,
properly completed and duly executed at the corporate trust office of the warrant agent or any other office indicated in the prospectus
supplement, we will, as soon as practicable, issue and deliver the shares of common stock or preferred stock or debt securities
purchasable upon such exercise. If fewer than all of the warrants represented by such certificate are exercised, a new certificate
will be issued for the remaining amount of warrants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Additional Provisions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The exercise price payable and the number
of shares of common stock or preferred stock purchasable upon the exercise of each stock warrant will be subject to adjustment
in certain events, including:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the issuance of a stock dividend to holders of common stock or preferred stock, respectively;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>a combination, subdivision or reclassification of common stock or preferred stock, respectively; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any other event described in the applicable prospectus supplement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In lieu of adjusting the number of shares
of common stock or preferred stock purchasable upon exercise of each stock warrant, we may elect to adjust the number of stock
warrants. No adjustment in the number of shares purchasable upon exercise of the stock warrants will be required until cumulative
adjustments require an adjustment of at least 1% thereof. We may, at our option, reduce the exercise price at any time. No fractional
shares will be issued upon exercise of stock warrants, but we will pay the cash value of any fractional shares otherwise issuable.
Notwithstanding the foregoing, in case of any merger, consolidation or sale or conveyance of all or substantially all of the assets
of Atlantic Union, the holder of each outstanding stock warrant shall have the right upon the exercise thereof to the kind and
amount of shares of stock and other securities and property, including cash, receivable by a holder of the number of shares of
common stock or preferred stock into which such stock warrants were exercisable immediately prior thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>No Rights as Shareholders</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Holders of stock warrants will not be entitled,
by virtue of being such holders, to vote, to consent, to receive dividends, to receive notice as shareholders with respect to any
meeting of shareholders for the election of directors of Atlantic Union or any other matter, or to exercise any rights whatsoever
as shareholders of Atlantic Union.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_003"></A>DESCRIPTION OF PURCHASE CONTRACTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may issue purchase contracts, including
purchase contracts issued as part of a unit with one or more other securities, for the purchase or sale of our common stock, preferred
stock or debt securities. The price per share of common stock or preferred stock, or the price of our debt securities, as applicable,
may be fixed at the time the purchase contracts are issued or may be determined by reference to a specific formula contained in
the purchase contracts. We may issue purchase contracts in such amounts and in as many distinct series as we wish.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The applicable prospectus supplement may
contain, where applicable, the following information about the purchase contracts issued under it:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the purchase contracts obligate the holder to purchase or sell, or both, common stock, preferred stock or debt securities,
as applicable, and the nature and amount of each of those securities, or method of determining those amounts;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the purchase contracts are to be prepaid or not;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the purchase contracts are to be settled by delivery, or by reference or linkage to the value, performance or level
of our common stock or preferred stock;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any acceleration, cancellation, termination or other provisions relating to the settlement of the purchase contracts;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>United States federal income tax considerations relevant to the purchase contracts; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the purchase contracts will be issued in fully registered global form.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The applicable prospectus supplement will
describe the terms of any purchase contracts. The preceding description and any description of purchase contracts in the applicable
prospectus supplement does not purport to be complete and is subject to and is qualified in its entirety by reference to the purchase
contract agreement and, if applicable, collateral arrangements and depositary arrangements relating to such purchase contracts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_004"></A>DESCRIPTION OF UNITS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Units will consist of any combination of
one or more of the other securities described in this prospectus. The applicable prospectus supplement or supplements will also
describe:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the designation and the terms of the units and of any combination of the securities constituting the units, including whether
and under what circumstances those securities may be held or traded separately;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any additional terms of the agreement governing the units;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any additional provisions for the issuance, payment, settlement, transfer or exchange of the units or of the securities constituting
the units;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any applicable United States federal income tax consequences; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>whether the units will be issued in fully registered form.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The terms and conditions described under
&ldquo;Description of Common Stock,&rdquo; &ldquo;Description of Preferred Stock,&rdquo; &ldquo;Description of Debt Securities&rdquo;
and &ldquo;Description of Warrants&rdquo; will apply to each unit that includes such securities and to the securities included
in each unit, unless otherwise specified in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We will issue the units under one or more
unit agreements to be entered into between us and a bank or trust company, as unit agent. We may issue units in one or more series,
which will be described in the applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp3_005"></A>DESCRIPTION OF GLOBAL SECURITIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless otherwise indicated in the applicable
prospectus supplement, we may issue the securities other than common stock in the form of one or more fully registered global securities
that will be deposited with a depository or its nominee identified in the applicable prospectus supplement and registered in the
name of that depository or its nominee. In those cases, one or more registered global securities will be issued in a denomination
or aggregate denominations equal to the portion of the aggregate principal or face amount of the securities to be represented by
registered global securities. Unless and until it is exchanged in whole for securities in definitive registered form, a registered
global security may not be transferred except as a whole by and among the depository for the registered global security, the nominees
of the depository or any successors of the depository or those nominees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If not described below, any specific terms
of the depository arrangement with respect to any securities to be represented by a registered global security will be described
in the prospectus supplement relating to those securities. We anticipate that the following provisions will apply to all depository
arrangements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Ownership of beneficial interests in a
registered global security will be limited to persons, called participants, that have accounts with the depository or persons that
may hold interests through participants. Upon the issuance of a registered global security, the depository will credit, on its
book-entry registration and transfer system, the participants&rsquo; accounts with the respective principal or face amounts of
the securities beneficially owned by the participants. Any dealers, underwriters or agents participating in the distribution of
the securities will designate the accounts to be credited.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Ownership of beneficial interests in a
registered global security will be shown on, and the transfer of ownership interests will be effected only through, records maintained
by the depository, with respect to interests of participants, and on the records of participants, with respect to interests of
persons holding through participants. The laws of some states may require that some purchasers of securities take physical delivery
of these securities in definitive form. These laws may impair your ability to own, transfer or pledge beneficial interests in registered
global securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">So long as the depository, or its nominee,
is the registered owner of a registered global security, that depository or its nominee, as the case may be, will be considered
the sole owner or holder of the securities represented by the registered global security for all purposes. Except as described
below, owners of beneficial interests in a registered global security will not be entitled to have the securities represented by
the registered global security registered in their names, will not receive or be entitled to receive physical delivery of the securities
in definitive form and will not be considered the owners or holders of the securities. Accordingly, each person owning a beneficial
interest in a registered global security must rely on the procedures of the depository for that registered global security and,
if that person is not a participant, on the procedures of the participant through which the person owns its interest, to exercise
any rights of a holder under the applicable indenture, warrant agreement or unit agreement. We understand that under existing industry
practices, if we request any action of holders or if an owner of a beneficial interest in a registered global security desires
to give or take any action that a holder is entitled to give or take, the depository for the registered global security would authorize
the participants holding the relevant beneficial interests to give or take that action, and the participants would authorize beneficial
owners owning through them to give or take that action or would otherwise act upon the instructions of beneficial owners holding
through them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Payments of principal of, and premium,
if any, and interest on, debt securities, and any payments to holders with respect to warrants, units or preferred stock, represented
by a registered global security registered in the name of a depository or its nominee will be made to the depository or its nominee,
as the case may be, as the registered owner of the registered global security. None of Atlantic Union, the trustees, the warrant
agents, the unit agents or any other agent of Atlantic Union, agent of the trustees or agent of the warrant agents or unit agents
will have any responsibility or liability for any aspect of the records relating to payments made on account of beneficial ownership
interests in the registered global security or for maintaining, supervising or reviewing any records relating to those beneficial
ownership interests.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We expect that the depository for any of
the securities represented by a registered global security, upon receipt of any payment of principal, premium, interest or other
distribution of underlying securities or other property to holders on that registered global security, will immediately credit
participants&rsquo; accounts in amounts proportionate to their respective beneficial interests in that registered global security
as shown on the records of the depository. We also expect that payments by participants to owners of beneficial interests in a
registered global security held through participants will be governed by standing customer instructions and customary practices,
as is now the case with the securities held for the accounts of customers in bearer form or registered in &ldquo;street name,&rdquo;
and will be the responsibility of those participants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If the depository for any of these securities
represented by a registered global security is at any time unwilling or unable to continue as depository or ceases to be a clearing
agency registered under the Exchange Act, and a successor depository registered as a clearing agency under the Exchange Act is
not appointed by us within 90 days, we will issue securities in definitive form in exchange for the registered global security
that had been held by the depository. In addition, under the terms of the indenture, we may at any time and in our sole discretion
decide not to have any of the securities represented by one or more registered global securities. We understand, however, that,
under current industry practices, the depository would notify its participants of our request, but will only withdraw beneficial
interests from a global security at the request of each participant. We would issue definitive certificates in exchange for any
such interests withdrawn. Any securities issued in definitive form in exchange for a registered global security will be registered
in the name or names that the depository gives to the applicable trustee, warrant agent, unit agent or other relevant agent of
ours or theirs. It is expected that the depository&rsquo;s instructions will be based upon directions received by the depository
from participants with respect to ownership of beneficial interests in the registered global security that had been held by the
depository.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp4_001"></A>BOOK-ENTRY ISSUANCE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Depository Trust Company (the &ldquo;DTC&rdquo;)
may act as securities depository for all of the debt securities unless otherwise referred to in the prospectus supplement relating
to an offering of debt securities. The debt securities may be issued only as fully-registered securities registered in the name
of Cede&nbsp;&amp; Co. (DTC&rsquo;s nominee). One or more fully-registered global certificates will be issued for the debt securities,
representing in the aggregate the total amount of the debt securities, and will be deposited with DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">DTC, the world&rsquo;s largest depository,
is a limited-purpose trust company organized under the New York Banking Law, a &ldquo;banking organization&rdquo; within the meaning
of the New York Banking Law, a member of the Federal Reserve System, a &ldquo;clearing corporation&rdquo; within the meaning of
the New York Uniform Commercial Code, and a &ldquo;clearing agency&rdquo; registered pursuant to Section&nbsp;17A of the Exchange
Act. DTC holds securities that its participants deposit with DTC. DTC also facilitates the settlement among participants of securities
transactions, such as transfers and pledges, in deposited securities through electronic computerized book-entry changes in participants&rsquo;
accounts, thereby eliminating the need for physical movement of securities certificates. Direct participants include securities
brokers and dealers, banks, trust companies, clearing corporations and certain other organizations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">DTC is a wholly-owned subsidiary of the
Depository Trust&nbsp;&amp; Clearing Corporation (the &ldquo;DTCC&rdquo;). DTCC, in turn, is owned by a number of its direct participants
and members of the National Securities Clearing Corporation, Government Securities Clearing Corporation, MBS Clearing Corporation
and Emerging Markets Clearing Corporation, as well as by the New York Stock Exchange, the NYSE Amex and the Financial Industry
Regulatory Authority,&nbsp;Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Access to the DTC system is also available
to indirect participants, such as securities brokers and dealers, and banks and trust companies that clear through or maintain
custodial relationships with direct participants, either directly or indirectly. The rules&nbsp;applicable to DTC and its participants
are on file with the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Purchases of debt securities within the
DTC system must be made by or through direct participants, which will receive a credit for the debt securities on DTC&rsquo;s records.
The ownership interest of each actual purchaser of each debt security, as beneficial owner, is in turn to be recorded on the direct
and indirect participants&rsquo; records. Beneficial owners will not receive written confirmation from DTC of their purchases,
but beneficial owners are expected to receive written confirmations providing details of the transactions, as well as periodic
statements of their holdings, from the direct or indirect participants through which the beneficial owners purchased debt securities.
Transfers of ownership interests in the debt securities are to be accomplished by entries made on the books of participants acting
on behalf of beneficial owners. Beneficial owners will not receive certificates representing their ownership interest in debt securities
except if use of the book-entry-only system for the debt securities is discontinued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The deposit of debt securities with DTC
and their registration in the name of Cede&nbsp;&amp; Co. or such other nominee will not effect any change in beneficial ownership.
DTC will have no knowledge of the actual beneficial owners of the debt securities; DTC&rsquo;s records reflect only the identity
of the direct participants to whose accounts the debt securities are credited, which may or may not be the beneficial owners. The
participants will remain responsible for keeping account of their holdings on behalf of their customers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The information in this section concerning
DTC and DTC&rsquo;s book-entry system has been obtained from sources that we believe to be reliable, but we assume no responsibility
for the accuracy thereof. We do not have any responsibility for the performance by DTC or its participants of their respective
obligations as described in this prospectus or under the rules&nbsp;and procedures governing their respective operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Notices and Voting</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Conveyance of notices and other communications
by DTC to direct participants, by direct participants to indirect participants, and by direct and indirect participants to beneficial
owners will be governed by arrangements among them, subject to any statutory or regulatory requirements as may be in effect from
time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Redemption notices will be sent to Cede&nbsp;&amp;
Co. as the registered holder of the debt securities. If less than all of the debt securities are being redeemed, DTC&rsquo;s current
practice is to determine by lot the amount of the interest of each direct participant to be redeemed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Although voting with respect to the debt
securities is limited to the holders of record of the debt securities, in those instances in which a vote is required, neither
DTC nor Cede&nbsp;&amp; Co. will itself consent or vote with respect to the debt securities. Under its usual procedures, DTC would
mail an omnibus proxy to the relevant trustee as soon as possible after the record date. The omnibus proxy assigns Cede&nbsp;&amp;
Co.&rsquo;s consenting or voting rights to those direct participants to whose accounts the debt securities are credited on the
record date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Distribution of Funds</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The relevant trustee will make distribution
payments on the debt securities to DTC. DTC&rsquo;s practice is to credit direct participants&rsquo; accounts on the relevant payment
date in accordance with their respective holdings shown on DTC&rsquo;s records unless DTC has reason to believe that it will not
receive payments on the payment date. Payments by participants to beneficial owners will be governed by standing instructions and
customary practices and will be the responsibility of the participant and not of DTC, the relevant trustee or us, subject to any
statutory or regulatory requirements as may be in effect from time to time. Payment of distributions to DTC is the responsibility
of the relevant trustee, disbursement of the payments to direct participants is the responsibility of DTC, and disbursements of
the payments to the beneficial owners is the responsibility of direct and indirect participants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Successor Depositories and Termination of Book-Entry System</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">DTC may discontinue providing its services
with respect to any of the debt securities at any time by giving reasonable notice to the relevant trustee or us. If no successor
securities depository is obtained, definitive certificates representing the debt securities are required to be printed and delivered.
We also have the option to discontinue use of the system of book-entry transfers through DTC (or a successor depository). After
an event of default under the indenture, the holders of a majority in liquidation amount of debt securities may determine to discontinue
the system of book-entry transfers through DTC. In these events, definitive certificates for the debt securities will be printed
and delivered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp4_002"></A>PLAN OF DISTRIBUTION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may sell the securities being offered
hereby in one or more of the following ways from time to time:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>through agents to the public or to investors;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>to underwriters for resale to the public or to investors;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>directly to investors; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>through a combination of any of these methods of sale.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We will set forth in a prospectus supplement
the terms of a particular offering of securities, including:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the name or names of any agents or underwriters;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the purchase price of the securities being offered and the proceeds we will receive from the sale;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any over-allotment options under which underwriters may purchase additional securities from us;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any agency fees or underwriting discounts and other items constituting agents&rsquo; or underwriters&rsquo; compensation;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any initial public offering price;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any discounts or concessions allowed or reallowed or paid to dealers; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>any securities exchanges or markets on which such securities may be listed.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Agents</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may designate agents who agree to use
their reasonable efforts to solicit purchases of our securities for a period of their appointment or to sell our securities on
a continuing basis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Underwriters</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">If we use underwriters for a sale of securities,
the underwriters will acquire the shares for their own account. The underwriters may resell the securities in one or more transactions,
including negotiated transactions, at a fixed public offering price or at varying prices determined at the time of sale. The underwriters
may sell the securities directly or through underwriting syndicates by managing underwriters. The obligations of the underwriters
to purchase the shares will be subject to the conditions set forth in the applicable underwriting agreement. In a firm commitment
underwriting, the underwriters will be obligated to purchase all the shares if they purchase any of the shares. The underwriters
may change from time to time any initial public offering price and any discounts or concessions the underwriters allow or reallow
or pay to dealers. We may use underwriters with whom we have a material relationship. We will describe the nature of any such relationship
in the applicable prospectus supplement naming any such underwriter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Underwriters, dealers and agents that participate
in the distribution of the securities may be underwriters as defined in the Securities Act, and any discounts or commissions they
receive may be treated as underwriting discounts and commissions under the Securities Act. We will identify in the applicable prospectus
supplement any underwriters, dealers or agents and will describe their compensation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may have agreements with the underwriters,
dealers and agents to indemnify them against various civil liabilities, including liabilities under the Securities Act, or to contribute
payments that the agents, underwriters, dealers and remarketing firms may be required to make as a result of those civil liabilities.
Underwriters, dealers and agents and their affiliates may be customers of, engage in transactions with, or perform services for
us or our subsidiaries in the ordinary course of their businesses. In connection with the distribution of the securities, we may
enter into swap or other hedging transactions with, or arranged by, underwriters, agents or their affiliates. These underwriters,
agents or their affiliates may receive compensation, trading gain or other benefits from these transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">In compliance with the guidelines of the
Financial Industry Regulatory Authority,&nbsp;Inc. (&ldquo;FINRA&rdquo;), the aggregate maximum discount, commission or agency
fees or other items constituting underwriting compensation to be received by any FINRA member or independent broker-dealer will
not exceed 8% of the proceeds from any offering pursuant to this prospectus and any applicable prospectus supplement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Direct Sales</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We may also sell shares directly to one
or more purchasers without using underwriters or agents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Stabilization Activities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Any underwriter may engage in overallotment,
stabilizing transactions, short covering transactions and penalty bids in accordance with Regulation M under the Exchange Act.
Overallotment involves sales in excess of the offering size, which create a short position. Stabilizing transactions permit bids
to purchase the underlying security so long as the stabilizing bids do not exceed a specified maximum. Short covering transactions
involve purchases of the securities in the open market after the distribution is completed to cover short positions. Penalty bids
permit the underwriters to reclaim a selling concession from a dealer when the securities originally sold by the dealer are purchased
in a covering transaction to cover short positions. Those activities may cause the price of the securities to be higher than it
would otherwise be. If commenced, the underwriters may discontinue any of these activities at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Passive Market Making</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Any underwriters who are qualified market
makers on the NASDAQ Global Select Market may engage in passive market making transactions in the securities on the NASDAQ Global
Select Market in accordance with Rule&nbsp;103 of Regulation M, during the business day prior to the pricing of the offering, before
the commencement of offers or sales of the securities. Passive market makers must comply with applicable volume and price limitations
and must be identified as passive market makers. In general, a passive market maker must display its bid at a price not in excess
of the highest independent bid for such security. If all independent bids are lowered below the passive market maker&rsquo;s bid,
however, the passive market maker&rsquo;s bid must then be lowered when certain purchase limits are exceeded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Trading Markets and Listing of Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless otherwise specified in the applicable
prospectus supplement, each class or series of securities will be a new issue with no established trading market, other than our
common stock, which is listed on the NASDAQ Global Select Market. Any shares of common stock hereunder will be listed on the NASDAQ
Global Select Market. We may elect to list any other class or series of securities on any additional exchange or market, but we
are not obligated to do so unless stated otherwise in a prospectus supplement. It is possible that one or more underwriters may
make a market in a class or series of securities, but the underwriters will not be obligated to do so and may discontinue any market
making at any time without notice. We cannot give any assurance as to the liquidity of the trading market for any of the securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>General Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The securities may also be offered and
sold, if so indicated in the applicable prospectus supplement, in connection with a remarketing upon their purchase, in accordance
with a redemption or repayment pursuant to their terms, or otherwise, by one or more remarketing firms acting as principals for
their own accounts or as agents for us. Any remarketing firm will be identified and the terms of its agreement, if any, with us,
and its compensation will be described in the applicable prospectus supplement. Remarketing firms may be deemed to be underwriters,
as that term is defined in the Securities Act, in connection with the securities remarketed thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp4_003"></A>VALIDITY OF SECURITIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless otherwise indicated in the applicable
prospectus supplement, certain legal matters will be passed upon for us by Troutman Pepper Hamilton Sanders LLP (Richmond, Virginia),
our legal counsel, and for any underwriters and agents by legal counsel selected by such underwriters or agents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="sp4_004"></A>EXPERTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The consolidated financial statements
of Atlantic Union Bankshares Corporation appearing in its <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000155837020001345/aub-20191231x10k5152b8.htm" STYLE="-sec-extract: exhibit">Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2019</A>, and the effectiveness of Atlantic Union Bankshares Corporation&rsquo;s internal control over financial reporting as of December&nbsp;31,
2019 have been audited by Ernst&nbsp;&amp; Young LLP, independent registered public accounting firm, as set forth in their reports
thereon, included therein, and incorporated herein by reference. Such consolidated financial statements are incorporated herein
by reference in reliance upon such reports given on the authority of such firm as experts in accounting and auditing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">With respect to the unaudited condensed
consolidated interim financial information of Atlantic Union Bankshares Corporation for the three-month periods ended March&nbsp;31,
2020 and 2019 and the three and six-month periods ended June&nbsp;30, 2020 and 2019, incorporated by reference herein, Ernst&nbsp;&amp;
Young LLP reported that they have applied limited procedures in accordance with professional standards for a review of such information.
However, their separate reports dated May&nbsp;8, 2020 and August&nbsp;4, 2020, included in Atlantic Union Bankshares Corporation&rsquo;s
Quarterly Reports on Form&nbsp;10-Q for the quarters ended <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000155837020005895/aub-20200508x10q.htm" STYLE="-sec-extract: exhibit">March&nbsp;31, 2020</A> and <A HREF="http://www.sec.gov/ix?doc=/Archives/edgar/data/883948/000155837020009190/aub-20200630x10q.htm" STYLE="-sec-extract: exhibit">June&nbsp;30, 2020</A>, and incorporated by reference
herein, states that they did not audit and they do not express an opinion on that interim financial information. Accordingly, the
degree of reliance on their report on such information should be restricted in light of the limited nature of the review procedures
applied. Ernst&nbsp;&amp; Young LLP is not subject to the liability provisions of Section&nbsp;11 of the Securities Act of 1933
(the &ldquo;Act&rdquo;) for their reports on the unaudited interim financial information because those reports are not a &ldquo;report&rdquo;
or a &ldquo;part&rdquo; of the Registration Statement prepared or certified by Ernst&nbsp;&amp; Young LLP within the meaning of
Sections 7 and 11 of the Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Split-Segment; Name: 4 -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"></P>

<!-- Field: Rule-Page --><DIV STYLE="margin-bottom: 0pt; width: 100%"><DIV STYLE="border-top: Black 1pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 1in; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="tm2029481d1_s3asrimg001.jpg" ALT=""></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ATLANTIC UNION BANKSHARES CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Common Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Preferred Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Depositary Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Debt Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Warrants</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Purchase Contracts</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Units</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PROSPECTUS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>September&nbsp;2, 2020</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="S1_001"></A>PART&nbsp;II</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="S1_002"></A>INFORMATION NOT
REQUIRED IN PROSPECTUS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%"><B>Item 14.</B></TD>
    <TD STYLE="width: 93%"><B><I><A NAME="S1_003"></A>Other Expenses of Issuance and Distribution.</I>&nbsp;</B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The following table sets forth the estimated
fees and expenses payable by the registrant in connection with the filing of this Registration Statement on Form&nbsp;S-3 and
the offer and sale of the securities being registered hereby:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 84%; font-size: 10pt; text-align: left">SEC Registration Fee</TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="vertical-align: top; width: 11%; font-size: 10pt; text-align: right"><SUP>(</SUP></TD>
    <TD STYLE="text-align: left; width: 1%; vertical-align: top"><SUP>1)</SUP></TD><TD STYLE="padding-top: 1pt; vertical-align: top; width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left">Printing Costs</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="vertical-align: top; font-size: 10pt; text-align: right"><SUP>(</SUP></TD>
    <TD STYLE="text-align: left; vertical-align: top"><SUP>2)</SUP></TD><TD STYLE="padding-top: 1pt; vertical-align: top; font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left">Transfer and Disbursing Agent Fees</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="vertical-align: top; font-size: 10pt; text-align: right"><SUP>(</SUP></TD>
    <TD STYLE="text-align: left; vertical-align: top"><SUP>2)</SUP></TD><TD STYLE="padding-top: 1pt; vertical-align: top; font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left">Legal Fees and Expenses</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="vertical-align: top; font-size: 10pt; text-align: right"><SUP>(</SUP></TD>
    <TD STYLE="text-align: left; vertical-align: top"><SUP>2)</SUP></TD><TD STYLE="padding-top: 1pt; vertical-align: top; font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left">Accounting Fees and Expenses</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="vertical-align: top; font-size: 10pt; text-align: right"><SUP>(</SUP></TD>
    <TD STYLE="text-align: left; vertical-align: top"><SUP>2)</SUP></TD><TD STYLE="padding-top: 1pt; vertical-align: top; font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left">Miscellaneous Expenses</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; vertical-align: top; font-size: 10pt; text-align: right"><SUP>(</SUP></TD>
    <TD STYLE="text-align: left; vertical-align: top"><SUP>2)</SUP></TD><TD STYLE="padding-top: 1pt; vertical-align: top; font-size: 10pt; text-align: left">&nbsp;</TD>
    <TD STYLE="padding-top: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-size: 10pt; vertical-align: bottom">Total</TD><TD STYLE="text-align: right; font-size: 10pt; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; font-size: 10pt; text-align: right">$</TD><TD STYLE="border-bottom: Black 1pt solid; vertical-align: top; font-size: 10pt; text-align: right"><SUP>(</SUP></TD>
    <TD STYLE="padding-top: 1pt; text-align: left; vertical-align: top"><SUP>1)</SUP></TD><TD STYLE="padding-top: 1pt; vertical-align: top; font-size: 10pt; text-align: left"><SUP>(2</SUP></TD>
    <TD STYLE="padding-top: 1pt; text-align: left; vertical-align: top"><SUP>)</SUP></TD></TR>
</TABLE>



<P STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">(1)&nbsp;The Company is registering an indeterminate
amount of securities under this Registration Statement and in accordance with Rules&nbsp;456(b)&nbsp;and 457(r), the Company is
deferring payment of any registration fee until the time the securities are offered under this Registration Statement pursuant
to a prospectus supplement, except for the fee that has already been paid with respect to securities having an aggregate offering
price of $50,000,000 that were previously registered on Registration Statement No.&nbsp;333-220398 filed by the Company on September&nbsp;8,
2017 and remain unsold. Pursuant to Rule&nbsp;415(a)(6)&nbsp;under the Securities Act, the $6,440 fee previously paid by the Company
in connection with the original registration of the unsold securities will continue to be applied to such securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">(2)&nbsp;These fees and expenses are calculated
based on the number of issuances and amount of securities offered and, accordingly, cannot be estimated at this time. The applicable
prospectus supplement will set forth the estimated aggregate amount of expenses payable in respect of any offering of securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%"><B>Item 15.</B></TD>
    <TD STYLE="width: 93%"><B><I><A NAME="S1_004"></A>Indemnification of Directors and Officers.</I>&nbsp;</B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The laws of the Commonwealth of Virginia
pursuant to which Atlantic Union Bankshares Corporation (&ldquo;Atlantic Union&rdquo;) is incorporated permit it to indemnify
its officers and directors against certain liabilities with the approval of its shareholders. Atlantic Union&rsquo;s articles
of incorporation provide that, to the full extent permitted by the Virginia SCA, Atlantic Union is required to indemnify (i)&nbsp;any
person who was or is a party to any proceeding, including a proceeding brought by a shareholder in the right of Atlantic Union
or brought by or on behalf of shareholders of Atlantic Union, by reason of the fact that he or she is or was a director or officer
of Atlantic Union, or (ii)&nbsp;any director or officer who is or was serving at the request of Atlantic Union as a director,
trustee, partner or officer of another corporation, partnership, joint venture, trust, employee benefit plan or other enterprise,
against any liability incurred by him or her in connection with such proceeding unless he or she engaged in&nbsp;willful misconduct
or a knowing violation of&nbsp;criminal law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Atlantic Union has purchased officers&rsquo;
and directors&rsquo; liability insurance policies. Within the limits of their coverage, the policies insure (i)&nbsp;the directors
and officers of Atlantic Union against certain losses resulting from claims against them in their capacities as directors and
officers to the extent that such losses are not indemnified by Atlantic Union and (ii)&nbsp;Atlantic Union to the extent that
it indemnifies such directors and officers for losses as permitted under the laws of Virginia.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">The Virginia SCA establishes a statutory
limit on liability of directors and officers of a corporation for damages assessed against them in a suit brought by or in the
right of the corporation or brought by or on behalf of shareholders of the corporation and authorizes a corporation, to specify
a lower monetary limit on liability (including the elimination of liability for monetary damages) in the corporation's articles
of incorporation or bylaws; however, the liability of a director or officer shall not be limited if such officer or director engaged
in willful misconduct or a knowing violation of the criminal law or of any federal or state securities law. Atlantic Union&rsquo;s
articles of incorporation eliminate the personal liability of directors and officers to Atlantic Union or its shareholders for
monetary damages to the full extent permitted by Virginia law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"><B>Item 16.</B></TD><TD><B><I><A NAME="S1_005"></A>Exhibits.</I></B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 1pt; width: 0"></TD><TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 1pt; width: 1in; text-align: left"><FONT STYLE="font-size: 10pt"><B>Exhibit</B></FONT><B>&#8239;<FONT STYLE="font-size: 10pt">No.</FONT></B></TD><TD STYLE="border-bottom: Black 1pt solid"><B>Description</B></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">1.1</TD><TD STYLE="text-align: justify">Form&nbsp;of Underwriting Agreement for Common Stock.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">1.2</TD><TD STYLE="text-align: justify">Form&nbsp;of Underwriting Agreement for Preferred Stock.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">1.3</TD><TD STYLE="text-align: justify">Form&nbsp;of Underwriting Agreement for Debt Securities.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">1.4</TD><TD STYLE="text-align: justify">Form&nbsp;of Underwriting Agreement for Warrants.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">1.5</TD><TD STYLE="text-align: justify">Form&nbsp;of Underwriting Agreement for Purchase Contracts.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">1.6</TD><TD STYLE="text-align: justify">Form&nbsp;of Underwriting Agreement for Units.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">1.7</TD><TD STYLE="text-align: justify">Form&nbsp;of Underwriting Agreement for Depositary Shares.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in"><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000088394820000028/aub-20200507ex31427bec8.htm" STYLE="-sec-extract: exhibit">3.1</A></TD><TD><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000088394820000028/aub-20200507ex31427bec8.htm" STYLE="-sec-extract: exhibit">Amended and Restated&nbsp;Articles of Incorporation of Atlantic Union
                                         Bankshares Corporation, effective May&nbsp;7, 2020 (incorporated by reference to Exhibit&nbsp;3.1
                                         to Current Report on Form&nbsp;8-K filed on May&nbsp;7, 2020).</A></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in"><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000110465920071380/tm2022030d1_ex3-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="background-color: white">3.1.1</FONT></A></TD><TD><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000110465920071380/tm2022030d1_ex3-1.htm" STYLE="-sec-extract: exhibit">Articles of Amendment
                                         to the Amended and Restated Articles of Incorporation of Atlantic Union Bankshares Corporation,
                                         dated June&nbsp;8, 2020 (incorporated by reference to Exhibit&nbsp;3.1 to Current Report
                                         on Form&nbsp;8-K filed on June&nbsp;9, 2020).</A></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in"><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000155837020001345/ex-3d3.htm" STYLE="-sec-extract: exhibit">3.2</A></TD><TD><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000155837020001345/ex-3d3.htm" STYLE="-sec-extract: exhibit">Amended and Restated Bylaws of Atlantic Union Bankshares Corporation,
                                         effective as of December&nbsp;5, 2019 (incorporated by reference to Exhibit&nbsp;3.3
                                         to Annual Report on Form&nbsp;10-K filed on February&nbsp;25, 2020).</A></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in"><U><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000114420417043716/v473352_ex4-1.htm" STYLE="-sec-extract: exhibit">4.1</A></U></TD><TD><U><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000114420417043716/v473352_ex4-1.htm" STYLE="-sec-extract: exhibit">Specimen
                                         certificate of common stock of Atlantic Union Bankshares Corporation (incorporated by
                                         reference to Exhibit&nbsp;4.1 to Registration Statement on Form&nbsp;S-4 filed on August&nbsp;16,
                                         2017).</A></U></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.2</TD><TD STYLE="text-align: justify">Form&nbsp;of Articles of Amendment Establishing a Series&nbsp;of
Preferred Stock.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.3</TD><TD STYLE="text-align: justify">Form&nbsp;of Preferred Stock Certificate.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.4</TD><TD STYLE="text-align: justify">Form&nbsp;of Senior Debt Securities Indenture.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.5</TD><TD STYLE="text-align: justify">Form&nbsp;of Senior Debt Security.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in"><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000114420416137958/v454420_ex4-1.htm" STYLE="-sec-extract: exhibit">4.6</A></TD><TD><A HREF="http://www.sec.gov/Archives/edgar/data/883948/000114420416137958/v454420_ex4-1.htm" STYLE="-sec-extract: exhibit">Subordinated Indenture, dated as of December&nbsp;5, 2016, between
                                         Atlantic Union Bankshares Corporation and U.S. Bank National Association, as Trustee
                                         (incorporated by reference to Exhibit&nbsp;4.1 to Current Report on Form&nbsp;8-K filed
                                         on December&nbsp;5, 2016).</A></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.7</TD><TD STYLE="text-align: justify">Form&nbsp;of Subordinated Debt Security.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.8</TD><TD STYLE="text-align: justify">Form&nbsp;of Warrant.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.9</TD><TD STYLE="text-align: justify">Form&nbsp;of Warrant Agreement.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.10</TD><TD STYLE="text-align: justify">Form&nbsp;of Purchase Contract Agreement.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.11</TD><TD STYLE="text-align: justify">Form&nbsp;of Unit Agreement.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">4.12</TD><TD STYLE="text-align: justify">Form&nbsp;of Deposit Agreement.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left"><A HREF="tm2029481d1_ex5-1.htm">5.1</A></TD><TD STYLE="text-align: justify"><A HREF="tm2029481d1_ex5-1.htm">Opinion of Troutman Pepper Hamilton Sanders LLP (filed
herewith).</A></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left">8.1</TD><TD STYLE="text-align: justify">Opinion of counsel as to certain federal income tax matters.*</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0%"></TD><TD STYLE="width: 0.9in; text-align: left"><A HREF="tm2029481d1_ex15-1.htm">15.1</A></TD><TD STYLE="text-align: justify"><A HREF="tm2029481d1_ex15-1.htm">Acknowledgment of Ernst&nbsp;&amp; Young LLP, as accountants
for Atlantic Union (filed herewith).</A></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.9in; text-align: left"><A HREF="tm2029481d1_ex23-1.htm" STYLE="-sec-extract: exhibit">23.1</A></TD><TD STYLE="text-align: justify"><A HREF="tm2029481d1_ex23-1.htm" STYLE="-sec-extract: exhibit">Consent of Ernst&nbsp;&amp; Young LLP (filed herewith).</A></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.9in; text-align: left"><A HREF="tm2029481d1_ex5-1.htm" STYLE="-sec-extract: exhibit">23.2</A></TD><TD STYLE="text-align: justify"><A HREF="tm2029481d1_ex5-1.htm" STYLE="-sec-extract: exhibit">Consent of Troutman Pepper Hamilton Sanders LLP (contained
in Exhibit&nbsp;5.1 hereto).</A></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.9in; text-align: left"><A HREF="#S1_007" STYLE="-sec-extract: exhibit">24.1</A></TD><TD STYLE="text-align: justify"><A HREF="#S1_007" STYLE="-sec-extract: exhibit">Powers of Attorney (included on the signature page&nbsp;hereto).</A></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.9in; text-align: left">25.1</TD><TD STYLE="text-align: justify">Statement of Eligibility on Form&nbsp;T-1 of the trustee
under the Senior Debt Securities Indenture pursuant to the Trust Indenture Act of 1939.**</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.9in; text-align: left"><A HREF="tm2029481d1_ex25-2.htm" STYLE="-sec-extract: exhibit">25.2</A></TD><TD STYLE="text-align: justify"><A HREF="tm2029481d1_ex25-2.htm" STYLE="-sec-extract: exhibit">Statement of Eligibility on Form&nbsp;T-1 of U.S.
Bank National Association with respect to the Subordinated Indenture, dated as of December&nbsp;5, 2016 (filed herewith).</A></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">*</TD><TD>To be filed by post-effective amendment or as an exhibit to a Current
                                         Report on Form&nbsp;8-K and incorporated herein by reference.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">**</TD><TD>To be filed by post-effective amendment or pursuant to Section&nbsp;305(b)(2)&nbsp;of
                                         the Trust Indenture Act of 1939, if applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"><B>Item 17.</B></TD><TD><B><I><A NAME="S1_006"></A>Undertakings.</I></B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(a)&nbsp;The undersigned registrant hereby
undertakes as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(1)&nbsp;To file, during any period in
which offers or sales are being made, a post-effective amendment to this registration statement:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(i)&nbsp;To include any prospectus required
by Section&nbsp;10(a)(3)&nbsp;of the Securities Act;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(ii)&nbsp;To reflect in the prospectus
any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment
thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration
statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value
of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated
maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule&nbsp;424(b)&nbsp;if,
in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price
set forth in the &ldquo;Calculation of Registration Fee&rdquo; table in the effective registration statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(iii)&nbsp;To include any material information
with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such
information in the registration statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Provided, however, that paragraphs (a)(1)(i), (a)(1)(ii)&nbsp;and
(a)(1)(iii)&nbsp;above do not apply if the registration statement is on Form&nbsp;S-3 or Form&nbsp;F-3 and the information required
to be included in a post-effective amendment by those paragraphs is contained in reports filed with or furnished to the Commission
by the registrant pursuant to Section&nbsp;13 or 15(d)&nbsp;of the Securities Exchange Act of 1934 that are incorporated by reference
in the registration statement, or is contained in a form of prospectus filed pursuant to Rule&nbsp;424(b)&nbsp;that is part of
the registration statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(2)&nbsp;That, for the purpose of determining
any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
bona fide offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(3)&nbsp;To remove from registration by
means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(4)&nbsp;That, for the purpose of determining
liability under the Securities Act of 1933 to any purchaser:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(i)&nbsp;Each prospectus filed by the registrant
pursuant to Rule&nbsp;424(b)(3)&nbsp;shall be deemed to be part of the registration statement as of the date the filed prospectus
was deemed part of and included in the registration statement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(ii)&nbsp;Each prospectus required to be
filed pursuant to Rule&nbsp;424(b)(2), (b)(5), or (b)(7)&nbsp;as part of a registration statement in reliance on Rule&nbsp;430B
relating to an offering made pursuant to Rule&nbsp;415(a)(1)(i), (vii)&nbsp;or (x)&nbsp;for the purpose of providing the information
required by section 10(a)&nbsp;of the Securities Act of 1933 shall be deemed to be part of and included in the registration statement
as of the earlier of the date such form of prospectus is first used after effectiveness or the date of the first contract of sale
of securities in the offering described in the prospectus. As provided in Rule&nbsp;430B, for liability purposes of the issuer
and any person that is at that date an underwriter, such date shall be deemed to be a new effective date of the registration statement
relating to the securities in the registration statement to which that prospectus relates, and the offering of such securities
at that time shall be deemed to be the initial bona fide offering thereof. Provided, however, that no statement made in a registration
statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by
reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with
a time of contract of sale prior to such effective date, supersede or modify any statement that was made in the registration statement
or prospectus that was part of the registration statement or made in any such document immediately prior to such effective date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(5)&nbsp;That, for the purpose of determining
liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities, the
undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration
statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or
sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser
and will be considered to offer or sell such securities to such purchaser:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(i)&nbsp;Any preliminary prospectus or
prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule&nbsp;424;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(ii)&nbsp;Any free writing prospectus relating
to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the undersigned registrant;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(iii)&nbsp;The portion of any other free
writing prospectus relating to the offering containing material information about the undersigned registrant or its securities
provided by or on behalf of the undersigned registrant; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(iv)&nbsp;Any other communication that
is an offer in the offering made by the undersigned registrant to the purchaser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(b)&nbsp;The undersigned registrant hereby
undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant&rsquo;s
annual report pursuant to Section&nbsp;13(a)&nbsp;or Section&nbsp;15(d)&nbsp;of the Securities Exchange Act of 1934 (and, where
applicable, each filing of an employee benefit plan&rsquo;s annual report pursuant to Section&nbsp;15(d)&nbsp;of the Securities
Exchange Act of 1934) that is incorporated by reference in the registration statement shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the
initial bona fide offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(c)&nbsp;Insofar as indemnification for
liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of registrant
pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and
Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In
the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred
or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding)
is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant
will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate
jurisdiction the question of whether such indemnification by it is against public policy as expressed in the Act and will be governed
by the final adjudication of such issue.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(d)&nbsp;The undersigned registrant hereby
undertakes that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(1)&nbsp;For the purposes of determining
any liability under the Securities Act of 1933, the information omitted from the form of prospectus filed as part of this registration
statement in reliance upon Rule&nbsp;430A and contained in the form of prospectus filed by the registrant pursuant to Rule&nbsp;424(b)(1)&nbsp;or
(4)&nbsp;or 497(h)&nbsp;under the Securities Act shall be deemed to be part of this registration statement as of the time it was
declared effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">(2)&nbsp;For the purposes of determining
any liability under the Securities Act of 1933, each post-effective amendment that contains a form of prospectus shall be deemed
to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time
shall be deemed to be the initial bona fide offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">(e)&nbsp;The undersigned registrant hereby
undertakes to file an application for the purpose of determining the eligibility of the trustee to act under subsection (a)&nbsp;of
Section&nbsp;310 of the Trust Indenture Act in accordance with the rules&nbsp;and regulations prescribed by the Commission under
Section&nbsp;305(b)(2)&nbsp;of the Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="S1_007"></A>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Pursuant to the requirements of the Securities
Act of 1933, the registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing
on Form&nbsp;S-3 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of Richmond, Commonwealth of Virginia, on September&nbsp;2, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ATLANTIC
    UNION BANKSHARES CORPORATION</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 49%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 2%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 3%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By: </FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 46%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ John C. Asbury</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John C. Asbury</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">President and Chief Executive Officer</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Principal Executive Officer)</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">We, the undersigned directors and officers
of Atlantic Union Bankshares Corporation hereby severally constitute and appoint John C. Asbury, Robert M. Gorman, or either of
them, as our true and lawful attorney and agent, to do any and all things in our names in the capacities indicated below which
said attorney and agent may deem necessary or advisable to enable Atlantic Union Bankshares Corporation to comply with the Securities
Act of 1933, and any rules, regulations and requirements of the Securities and Exchange Commission, in connection with this registration
statement on Form&nbsp;S-3, including specifically, but not limited to, power and authority to sign for us in our names in the
capacities indicated below the registration statement and any and all amendments (including post-effective amendments) thereto
and other documents in connection therewith, including any related registration statement filed pursuant to Rule&nbsp;462(b)&nbsp;of
the Securities Act of 1933, with the Securities and Exchange Commission; and we hereby approve, ratify and confirm all that said
attorney and agent shall do or cause to be done by virtue thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Pursuant to the requirements of the Securities
Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on the dates indicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P><TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; width: 34%"><B>Signature</B></TD>
    <TD STYLE="text-align: center; padding-bottom: 1pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 38%; text-align: center"><B>Title</B></TD>
    <TD STYLE="text-align: center; padding-bottom: 1pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 24%; text-align: center"><B>Date</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">/s/ John C. Asbury</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Director, President and</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>John C. Asbury</TD>
    <TD>&nbsp;</TD>
    <TD>Chief Executive Officer</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>(Principal Executive Officer)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom">/s/ Robert M. Gorman</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">Executive Vice President and</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top">September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Robert M. Gorman</TD>
    <TD>&nbsp;</TD>
    <TD>Chief Financial Officer</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>(Principal Financial and Accounting Officer)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Ronald L. Tillett</TD>
    <TD>&nbsp;</TD>
    <TD>Chairman and Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Ronald L. Tillett</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Patrick J. McCann</TD>
    <TD>&nbsp;</TD>
    <TD>Vice Chairman and Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Patrick J. McCann</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Michael W. Clarke</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Michael W. Clarke</TD>
    <TD>&nbsp;</TD>
    <TD></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Patrick E. Corbin</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Patrick E. Corbin</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Beverly E. Dalton</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Beverly E. Dalton</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; width: 34%">/s/ Frank Russell Ellet</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 38%">Director</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 24%">September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Frank Russell Ellet</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Gregory L. Fisher</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Gregory L. Fisher</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Daniel I. Hansen</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Daniel I. Hansen</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Jan S. Hoover</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Jan S. Hoover</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ W. Tayloe Murphy,&nbsp;Jr.</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>W. Tayloe Murphy,&nbsp;Jr.</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Alan W. Myers</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Alan W. Myers</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Thomas P. Rohman</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Thomas P. Rohman</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Linda V. Schreiner</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Linda V. Schreiner</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Thomas G. Snead Jr.</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Thomas G. Snead Jr.</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Keith L. Wampler</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Keith L. Wampler</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid">/s/ F. Blair Wimbush</TD>
    <TD>&nbsp;</TD>
    <TD>Director</TD>
    <TD>&nbsp;</TD>
    <TD>September&nbsp;2, 2020</TD></TR>
<TR STYLE="vertical-align: top">
    <TD> F. Blair Wimbush</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>tm2029481d1_ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit 5.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR><TD STYLE="vertical-align: bottom; font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Troutman
    Pepper Hamilton Sanders LLP</FONT></TD>
    <TD ROWSPAN="3" STYLE="text-align: right; vertical-align: top; font-size: 10pt; width: 50%"><IMG SRC="tm2029481d1_ex5-1img001.jpg" ALT="">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Troutman Pepper Building,
    1001 Haxall Point</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Richmond, VA 23219</FONT></TD></TR>
</TABLE></P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">troutman.com &nbsp;</P>


<P STYLE="border-bottom: rgb(0,204,255) 1pt solid; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">September 2, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Atlantic Union Bankshares Corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">1051 East Cary Street, Suite 1200</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Richmond, Virginia 23219</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: center; text-indent: -0.5in"><B><U>Form
S-3ASR Registration Statement</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 272.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have acted as counsel to Atlantic Union
Bankshares Corporation, a Virginia corporation (the &ldquo;<I><U>Company</U></I>&rdquo;), in connection with the preparation of
the Company&rsquo;s Registration Statement on Form S-3ASR (the &ldquo;<I><U>Registration Statement</U></I>&rdquo;) to be filed
on the date hereof with the Securities and Exchange Commission (the &ldquo;<I><U>Commission</U></I>&rdquo;) under the Securities
Act of 1933, as amended (the &ldquo;<I><U>Act</U></I>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Registration Statement relates to the
issuance and sale from time to time by the Company, pursuant to Rule 415 of the General Rules and Regulations promulgated under
the Act, of the following securities of the Company: (i) shares of common stock, par value $1.33 per share (the &ldquo;<I><U>Common
Stock</U></I>&rdquo;); (ii) shares of preferred stock, $10.00 par value per share (the &ldquo;<I><U>Preferred Stock</U></I>&rdquo;),
in one or more series; (iii) depositary shares representing fractional interests in shares of the Preferred Stock evidenced by
depositary receipts (the &ldquo;<I><U>Depositary Shares</U></I>&rdquo;) issued pursuant to one or more deposit agreements between
the Company and a bank or trust company, as depositary (each, a &ldquo;<I><U>Depositary Agreement</U></I>&rdquo;); (iv) debt securities
(the &ldquo;<I><U>Debt Securities</U></I>&rdquo;), which may be either senior debt securities or subordinated debt securities
and which may be issued in one or more series under one or more indentures (each, an &ldquo;<I><U>Indenture</U></I>&rdquo; and,
collectively, &ldquo;<I><U>Indentures</U></I>&rdquo;), entered into or proposed to be entered into between the Company and a trustee
to be identified in the Indenture as trustee (the &ldquo;<I><U>Trustee</U></I>&rdquo;); (v) warrants (the &ldquo;<I><U>Warrants</U></I>&rdquo;)
to purchase shares of Common Stock or Preferred Stock or Debt Securities pursuant to one or more warrant agreements (each, a &ldquo;<I><U>Warrant
Agreement</U></I>&rdquo;) proposed to be entered into between the Company and warrant agents to be named therein (each, a &ldquo;<I><U>Warrant
Agent</U></I>&rdquo; and, collectively, &ldquo;<I><U>Warrant Agents</U></I>&rdquo;); (vi) purchase contracts of the Company (&ldquo;<I><U>Purchase
Contracts</U></I>&rdquo;), including purchase contracts issued as part of a unit with one or more other securities, obligating
the holders thereof to purchase from or sell to the Company, and the Company to sell to or purchase from such holders, shares
of Common Stock or Preferred Stock or Debt Securities at a future date or dates, which may be issued under one or more purchase
contract agreements proposed to be entered into by the Company (the &ldquo;<I><U>Purchase Contract Agreements</U></I>&rdquo;);
(vii) units of the Company (&ldquo;<I><U>Units</U></I>&rdquo;), each representing ownership of any combination of one or more
of the other securities described in the Registration Statement and the prospectus comprising a part thereof (the &ldquo;<I><U>Prospectus</U></I>&rdquo;),
which may be issued under one or more unit agreements proposed to be entered into by the Company (the &ldquo;<I><U>Unit Agreements</U></I>&rdquo;);
and (viii) such indeterminate number of shares of Common Stock, Preferred Stock or Depositary Shares and amount of Debt Securities,
Warrants, Purchase Contracts and Units, as may be issued upon exercise, settlement, exchange or conversion of any Preferred Stock,
Depositary Shares, Debt Securities, Warrants, Purchase Contracts or Units, including such shares of Common Stock, Preferred Stock
or Depositary Shares as may be issued pursuant to anti-dilution adjustments, in amounts, at prices and on terms to be determined
at the time of offering (collectively, &ldquo;<I><U>Indeterminate Securities</U></I>&rdquo;). The Common Stock, Preferred Stock,
Depositary Shares, Debt Securities, Warrants, Purchase Contracts, Units and Indeterminate Securities are collectively referred
to herein as the &ldquo;<I><U>Offered Securities</U></I>.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2, 2020</FONT></TD>
    <TD ROWSPAN="3" STYLE="text-align: right; font-size: 10pt; width: 50%"><IMG SRC="tm2029481d1_ex5-1img001.jpg" ALT="">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Atlantic Union Bankshares
    Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page 2</FONT></TD></TR>
</TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This opinion is being furnished to you
at your request in accordance with the requirements of Item 601(b)(5)(i) of Regulation S-K.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have examined originals or copies, certified
or otherwise identified to our satisfaction, of such corporate records, agreements, and other instruments, certificates, orders,
opinions, correspondence with public officials, certificates provided by the Company&rsquo;s officers and representatives, and
other documents as we have deemed necessary or advisable for the purposes of rendering the opinion set forth herein, including
(i) the corporate and organizational documents of the Company, including the Amended and Restated Articles of Incorporation, as
amended to date (the &ldquo;<I><U>Articles</U></I>&rdquo;), and the Amended and Restated Bylaws of the Company, as amended to
date (the &ldquo;<I><U>Bylaws</U></I>&rdquo;), (ii) the resolutions of the Board of Directors of the Company with respect to the
Registration Statement and the registration of the Offered Securities, (iii) a specimen certificate representing the Common Stock
and (iv) the Registration Statement and exhibits thereto, including the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of the opinions expressed
below, we have assumed (i) the authenticity of all documents submitted to us as originals, (ii) the conformity to the originals
of all documents submitted as certified, photostatic or electronic copies and the authenticity of the originals thereof, (iii)
the legal capacity of natural persons, (iv) the genuineness of signatures not witnessed by us, (v) the due authorization, execution
and delivery of all documents by all parties, other than the Company, and the validity, binding effect and enforceability thereof
and (vi) the truth, accuracy and completeness of the information, representations and warranties contained in the records, documents,
instruments and certificates we have reviewed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As to any facts material to the opinions
expressed herein which were not independently established or verified, we have relied upon oral or written statements and representations
of officers and other representatives of the Company and others and of public officials. In making our examination of documents
executed or to be executed, we have assumed that the parties thereto, other than the Company, had or will have the power, corporate
or other, to enter into and perform all obligations thereunder and have also assumed the due authorization by all requisite action,
corporate or other, and the execution and delivery by such parties of such documents, and the validity and binding effect thereof
on such parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2, 2020</FONT></TD>
    <TD ROWSPAN="3" STYLE="text-align: right; font-size: 10pt; width: 50%"><IMG SRC="tm2029481d1_ex5-1img001.jpg" ALT="">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Atlantic Union Bankshares
    Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page 3</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have further assumed that (i) the Registration
Statement and any amendment thereto will have become effective under the Act (and will remain effective under the Act at the time
of issuance of the Offered Securities thereunder), (ii) any prospectus supplement or term sheet describing the Offered Securities
will be filed with the Commission to the extent required by applicable law and relevant rules and regulations of the Commission,
(iii) the Depositary Agreements, Indentures, Purchase Contracts, the Purchase Contract Agreements, the Warrants, the Warrant Agreements,
the Units and the Unit Agreements have been or will be duly authorized, executed and delivered by the parties thereto, and, in
the case of the Indentures, in substantially the form reviewed by us, and that any Debt Securities, Purchase Contracts, Warrants
or Units, as the case may be, that may be issued will be manually authenticated, signed or countersigned, as the case may be,
by duly authorized officers of the parties thereto and that each will be governed by the laws of the Commonwealth of Virginia
or the State of New York, (iv) that a definitive purchase, underwriting or similar agreement with respect to any Offered Securities
offered thereby will have been duly authorized and validly executed and delivered by the Company and the other parties thereto
and (v) the Board of Directors of the Company, an authorized committee thereof or appropriate officers of the Company will have
taken all necessary corporate action with respect to the issuance of the Offered Securities, the instruments pursuant to which
they are duly authorized and established and related matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In addition, we have assumed that the terms
of the Offered Securities will have been established so as not to, and that the execution and delivery by the Company of, and
the performance of its obligations under, the Depositary Agreements, the Indentures, the Offered Securities of the Company, the
Purchase Contracts, the Purchase Contract Agreements, the Warrants, the Warrant Agreements, the Units and the Unit Agreements,
will not violate, conflict with or constitute a default under (i) any agreement or instrument to which the Company or its properties
are subject, (ii) any law, rule or regulation to which the Company or its properties is subject, (iii) any judicial or regulatory
order or decree of any governmental authority or (iv) any consent, approval, license, authorization or validation of, or filing,
recording or registration with, any governmental authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We are members of the bar of the Commonwealth
of Virginia and the State of New York and are not purporting to be experts on, or generally familiar with, or qualified to express
legal conclusions based upon, laws of any state or jurisdiction other than the federal laws of the United States of America, the
Commonwealth of Virginia and the State of New York and we express no opinion as to the effect of the laws of any other jurisdiction
or as to the securities or blue sky laws of any state (including, without limitation, Virginia and New York), municipal law or
the laws of any local agencies within any state (including, without limitation, Virginia and New York). This opinion is limited
to the matters stated herein, and no opinion is implied or may be inferred beyond the matters expressly stated herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Based on the foregoing and in reliance
thereon, and subject to the limitations, qualifications, assumptions, exceptions and other matters set forth herein, we are of
the opinion that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2, 2020</FONT></TD>
    <TD ROWSPAN="3" STYLE="text-align: right; font-size: 10pt; width: 50%"><IMG SRC="tm2029481d1_ex5-1img001.jpg" ALT="">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Atlantic Union Bankshares
    Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page 4</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">1.</TD><TD>With respect to the shares of any Common Stock offered by
                                         the Company, including any Indeterminate Securities (the &ldquo;<I><U>Offered Common
                                         Stock</U></I>&rdquo;), when (i) if certificated, certificates in the form required under
                                         Virginia law representing the shares of Offered Common Stock are duly executed and countersigned;
                                         and (ii) the shares of Offered Common Stock are registered in the Company&rsquo;s share
                                         registry and delivered upon payment of the agreed-upon consideration therefore, the shares
                                         of Offered Common Stock (including any Common Stock duly issued upon exercise, settlement,
                                         exchange or conversion of any Preferred Stock, Debt Securities, Warrants, Purchase Contracts
                                         or Units), when issued and sold in accordance with the applicable underwriting agreement,
                                         if any, or any other duly authorized, executed and delivered valid and binding agreement,
                                         will be duly authorized, validly issued, fully paid and nonassessable.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">2.</TD><TD>With respect to the shares of any series of Preferred Stock
                                         offered by the Company, including any Indeterminate Securities (the &ldquo;<I><U>Offered
                                         Preferred Stock</U></I>&rdquo;), when (i) if certificated, certificates in the form required
                                         under Virginia corporate law representing the shares of Offered Preferred Stock are duly
                                         executed and countersigned; (ii) articles of amendment for the particular series of Offered
                                         Preferred Stock have been filed with the State Corporation Commission of the Commonwealth
                                         of Virginia (&ldquo;<I><U>SCC</U></I>&rdquo;) and the SCC has issued a certificate of
                                         amendment with respect thereto and (iii) the shares of Offered Preferred Stock are registered
                                         in the Company&rsquo;s share registry and delivered upon payment of the agreed-upon consideration
                                         therefore, the shares of the Offered Preferred Stock (including any Preferred Stock duly
                                         issued upon exercise, settlement, exchange or conversion of any Preferred Stock, Debt
                                         Securities, Warrants, Purchase Contracts or Units), when issued and sold in accordance
                                         with the applicable underwriting agreement, if any, or any other duly authorized, executed
                                         and delivered valid and binding agreement, will be duly authorized, validly issued, fully
                                         paid and nonassessable.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">3.</TD><TD>With respect to any Depositary Shares offered by the Company,
                                         including any Indeterminate Securities (the &ldquo;<I><U>Offered Depositary Shares</U></I>&rdquo;),
                                         when (i) if certificated, certificates in the form required under Virginia corporate
                                         law representing the shares of Preferred Stock underlying the Offered Depositary Shares
                                         (the &ldquo;<I><U>Underlying Preferred Stock</U></I>&rdquo;) are duly executed and countersigned;
                                         (ii) articles of amendment for the particular series of Underlying Preferred Stock have
                                         been filed with the SCC and the SCC has issued a certificate of amendment with respect
                                         thereto; (iii) the Offered Depositary Shares are registered in the Company&rsquo;s share
                                         registry and delivered upon payment of the agreed-upon consideration therefore; (iv)
                                         the applicable Depositary Agreement has been duly authorized, executed and delivered
                                         by each of the Company and the depositary; (v)&nbsp;the shares of the Underlying Preferred
                                         Stock have been deposited with the depositary under the Depositary Agreement; and (vii)&nbsp;the
                                         depositary receipts representing the Offered Depositary Shares have been duly executed,
                                         countersigned, registered and delivered to the purchasers thereof upon payment of the
                                         agreed-upon consideration therefor:&nbsp;(1) the Offered Depositary Shares, when issued
                                         and sold in accordance with the applicable underwriting agreement, if any, or any other
                                         duly authorized, executed and delivered valid and binding agreement, will be duly authorized,
                                         validly issued, fully paid and nonassessable, and the depositary receipts representing
                                         the Offered Depositary Shares will entitle the holders thereof to the rights specified
                                         therein and in the Depositary Agreement; and (2) the Underlying Preferred Stock will
                                         be duly authorized, validly issued, fully paid and nonassessable.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2, 2020</FONT></TD>
    <TD ROWSPAN="3" STYLE="text-align: right; font-size: 10pt; width: 50%"><IMG SRC="tm2029481d1_ex5-1img001.jpg" ALT="">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Atlantic Union Bankshares
    Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page 5</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="border-top: rgb(0,204,255) 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">4.</TD><TD>With respect to any series of Debt Securities offered by the
                                         Company, including any Indeterminate Securities (the &ldquo;<I><U>Offered Debt Securities</U></I>&rdquo;),
                                         when the Offered Debt Securities have been duly executed and authenticated in accordance
                                         with the provisions of the applicable Indenture and duly delivered to the purchasers
                                         thereof upon payment of the agreed-upon consideration therefor, the Offered Debt Securities
                                         (including any Debt Securities duly issued upon exercise, settlement, exchange or conversion
                                         of any Preferred Stock, Debt Securities, Warrants, Purchase Contracts or Units), when
                                         issued and sold in accordance with the applicable Indenture and the applicable underwriting
                                         agreement, if any, or any other duly authorized, executed and delivered valid and binding
                                         agreement, will be valid and binding obligations of the Company, enforceable against
                                         the Company in accordance with their respective terms, except to the extent that enforcement
                                         thereof may be limited by (a) bankruptcy, insolvency, reorganization, fraudulent conveyance,
                                         moratorium or other similar laws now or hereafter in effect relating to creditors&rsquo;
                                         rights generally, (b) general principles of equity (regardless of whether enforceability
                                         is considered in a proceeding at law or in equity), (c) public policy considerations
                                         which may limit the rights of parties to obtain remedies, (d) the waivers of any usury
                                         defense contained in the Indenture or Offered Debt Securities which may be unenforceable,
                                         (e) requirements that a claim with respect to any Offered Debt Securities denominated
                                         in a currency, currency unit or composite currency other than United States dollars (or
                                         a judgment denominated other than in United States dollars in respect of such claim)
                                         be converted into United States dollars at a rate of exchange prevailing on a date determined
                                         pursuant to applicable law and (f) governmental authority to limit, delay or prohibit
                                         the making of payments outside the United States or in foreign currencies, currency units
                                         or composite currencies.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">5.</TD><TD>With respect to any Warrants offered by the Company, including
                                         any Indeterminate Securities (the &ldquo;<I><U>Offered Warrants</U></I>&rdquo;), when
                                         the Offered Warrants have been duly executed, delivered and countersigned in accordance
                                         with the provisions of the applicable Warrant Agreement and duly issued and sold in the
                                         applicable form to be filed as an exhibit to the Registration Statement or any amendment
                                         thereto and in the manner contemplated in the Registration Statement or any prospectus
                                         supplement or term sheet relating thereto, the Offered Warrants (including any Warrants
                                         duly issued upon exercise, settlement, exchange or conversion of any Preferred Stock,
                                         Debt Securities, Warrants, Purchase Contracts or Units), when issued and sold in accordance
                                         with the applicable Warrant Agreement and the applicable underwriting agreement or any
                                         other duly authorized, executed and delivered valid and binding agreement, will be duly
                                         authorized and validly issued and will constitute valid and binding obligations of the
                                         Company, enforceable against the Company in accordance with their respective terms, except
                                         to the extent that enforcement thereof may be limited by (a) bankruptcy, insolvency,
                                         reorganization, fraudulent conveyance, moratorium or other similar laws now or hereafter
                                         in effect relating to creditors&rsquo; rights generally, (b) general principles of equity
                                         (regardless of whether enforceability is considered in a proceeding at law or in equity)
                                         and (c) public policy considerations which may limit the rights of parties to obtain
                                         remedies.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2, 2020</FONT></TD>
    <TD ROWSPAN="3" STYLE="text-align: right; font-size: 10pt; width: 50%"><IMG SRC="tm2029481d1_ex5-1img001.jpg" ALT="">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Atlantic Union Bankshares
    Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page 6</FONT></TD></TR>
</TABLE>
<P STYLE="border-bottom: rgb(0,204,255) 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">6.</TD><TD>With respect to any Purchase Contracts offered by the Company,
                                         including any Indeterminate Securities (the &ldquo;<I><U>Offered Purchase Contracts</U></I>&rdquo;),
                                         when the applicable Offered Purchase Contracts have been duly executed and delivered
                                         and duly issued and sold in the applicable form to be filed as an exhibit to the Registration
                                         Statement or any amendment thereto and in the manner contemplated in the Registration
                                         Statement or any prospectus supplement or term sheet relating thereto, the Offered Purchase
                                         Contracts (including any Purchase Contracts duly issued upon exercise, settlement, exchange
                                         or conversion of any Preferred Stock, Debt Securities, Warrants, Purchase Contracts or
                                         Units), when issued and sold in accordance with the applicable Purchase Contract Agreement
                                         and the applicable underwriting agreement or any other duly authorized, executed and
                                         delivered valid and binding agreement, will be duly authorized and validly issued and
                                         will constitute valid and binding obligations of the Company, enforceable against the
                                         Company in accordance with their respective terms, except to the extent that enforcement
                                         thereof may be limited by (a) bankruptcy, insolvency, reorganization, fraudulent conveyance,
                                         moratorium or other similar laws now or hereafter in effect relating to creditors&rsquo;
                                         rights generally and (b) general principles of equity (regardless of whether enforceability
                                         is considered in a proceeding at law or in equity) and (d) public policy considerations
                                         which may limit the rights of parties to obtain remedies.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">7.</TD><TD>With respect to any Units, including any Indeterminate Securities
                                         (the &ldquo;<I><U>Offered Units</U></I>&rdquo;), when (i) any Debt Securities of the
                                         Company included in such Offered Units have been duly issued and paid for in the manner
                                         contemplated in the Registration Statement and any prospectus supplement relating thereto;
                                         and (ii) the Offered Units have been duly executed, delivered, countersigned, issued
                                         and sold in accordance with the provisions of the applicable Unit Agreement in the applicable
                                         form to be filed as an exhibit to the Registration Statement or any amendment thereto
                                         and in the manner contemplated in the Registration Statement or any prospectus supplement
                                         or term sheet relating thereto, the Offered Units (including any Units duly issued upon
                                         exercise, settlement, exchange or conversion of any Preferred Stock, Debt Securities,
                                         Warrants, Purchase Contracts or Units), when issued and sold in accordance with the applicable
                                         Unit Agreement and the applicable purchase agreement or any other duly authorized, executed
                                         and delivered valid and binding agreement, or upon due conversion, exercise or exchange
                                         of any Debt Securities, will be valid and binding obligations of the Company, enforceable
                                         against the Company in accordance with their respective terms, except to the extent that
                                         enforcement thereof may be limited by (a) bankruptcy, insolvency, reorganization, fraudulent
                                         conveyance, moratorium or other similar laws now or hereafter in effect relating to creditors&rsquo;
                                         rights generally and (b) general principles of equity (regardless of whether enforceability
                                         is considered in a proceeding at law or in equity).</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our opinion is as of the date hereof and
we have no responsibility to update this opinion for events and circumstances occurring after the date hereof or as to facts relating
to prior events that are subsequently brought to our attention and we disavow any undertaking to advise you of any changes in
law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2, 2020</FONT></TD>
    <TD ROWSPAN="3" STYLE="text-align: right; font-size: 10pt; width: 50%"><IMG SRC="tm2029481d1_ex5-1img001.jpg" ALT="">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Atlantic Union Bankshares
    Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page 7</FONT></TD></TR>
</TABLE>
<P STYLE="border-bottom: rgb(0,204,255) 1pt solid; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We hereby consent to the filing of this
opinion as an exhibit to the Registration Statement and to the use of our name under the caption &ldquo;Validity of Securities&rdquo;
in the Prospectus and Registration Statement. In giving this consent, we do not hereby admit that we come within the category
of persons whose consent is required under Section 7 of the Act, or the rules or regulations of the Commission promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Very truly yours,</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">/s/ Troutman Pepper Hamilton
    Sanders LLP</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-15.1
<SEQUENCE>3
<FILENAME>tm2029481d1_ex15-1.htm
<DESCRIPTION>EXHIBIT 15.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit&nbsp;15.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Stockholders and Board of Directors of Atlantic Union Bankshares
Corporation:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We are aware of the incorporation by reference in the Registration
Statement (Form&nbsp;S-3) and related Prospectus of Atlantic Union Bankshares Corporation for the registration of common stock,
preferred stock, depositary shares, debt securities, warrants, purchase contracts, and units of our reports dated May&nbsp;8,
2020 and August&nbsp;4, 2020 relating to the unaudited consolidated interim financial statements of Atlantic Union Bankshares
Corporation that are included in its Form&nbsp;10-Qs for the quarters ended March&nbsp;31, 2020 and June&nbsp;30, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">/s/ Ernst&nbsp;&amp; Young LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Richmond, Virginia</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">September&nbsp;2, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>4
<FILENAME>tm2029481d1_ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0"><B>Exhibit&nbsp;23.1</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Consent of Independent Registered Public
Accounting Firm</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We consent to the reference to our firm under the caption &ldquo;Experts&rdquo;
in this Registration Statement (Form&nbsp;S-3) and related Prospectus of Atlantic Union Bankshares Corporation for the registration
of common stock, preferred stock, depositary shares, debt securities, warrants, purchase contracts, and units and to the incorporation
by reference therein of our reports dated February&nbsp;25, 2020, with respect to the consolidated financial statements of Atlantic
Union Bankshares Corporation, and the effectiveness of internal control over financial reporting of Atlantic Union Bankshares
Corporation, included in its Annual Report (Form&nbsp;10-K) for the year ended December&nbsp;31, 2019, filed with the Securities
and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">/s/ Ernst&nbsp;&amp; Young LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Richmond, Virginia</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">September&nbsp;2, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-25.2
<SEQUENCE>5
<FILENAME>tm2029481d1_ex25-2.htm
<DESCRIPTION>EXHIBIT 25.2
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 25.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-variant: small-caps"><B>securities
and exchange commission</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">__________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM T-1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Statement
of Eligibility Under</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>The
Trust Indenture Act of 1939 of a </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Corporation
Designated to Act as Trustee</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Check if an Application to Determine Eligibility
of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt">a Trustee Pursuant to Section 305(b)(2)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">_______________________________________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>U.S. BANK NATIONAL ASSOCIATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of Trustee as specified in its
charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>31-0841368</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">I.R.S. Employer Identification No.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">800 Nicollet Mall</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Minneapolis, Minnesota</P></TD>
    <TD STYLE="width: 50%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">55402</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Address of principal executive offices)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Zip Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">William F. Michie, III</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">U.S. Bank National Association</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">1021 East Cary Street, 18<SUP>th</SUP> Floor</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Richmond, VA 23219</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">(804) 771-7935</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">(Name, address and telephone number of agent
for service)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Atlantic Union Bankshares Corporation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">(Issuer with respect to the Securities)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="border: Black 1pt solid; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center">Virginia</TD>
    <TD STYLE="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 50%; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center">54-1598552</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(State or other jurisdiction of incorporation or organization)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(I.R.S. Employer Identification No.)</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; text-align: center; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; border: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">1051 East Cary Street</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Suite 1200</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Richmond, Virginia</P></TD>
    <TD STYLE="width: 50%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">23219</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Address of Principal Executive Offices)</FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Zip Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Subordinated Debt Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: center; text-indent: -103.5pt"><B>(Title
of the Indenture Securities)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: red">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 12pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; border-bottom: Black 2pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: red"></P>


<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>FORM T-1</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Item 1.</B></TD><TD STYLE="text-align: justify"><B>GENERAL INFORMATION<I>.</I></B> Furnish the following
information as to the Trustee.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.35in; text-indent: -0.35in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.35in">a)</TD><TD><I>Name and address of each examining or supervising authority to which it is subject.</I></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">Comptroller of the Currency</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">Washington, D.C.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.35in; text-indent: -0.35in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.35in; text-align: left">b)</TD><TD STYLE="text-align: justify"><I>Whether it is authorized to exercise corporate trust
powers.</I></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 1in">Yes</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.35in; text-indent: -0.35in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Item 2.</B></TD><TD STYLE="text-align: justify"><B>AFFILIATIONS WITH THE OBLIGOR. </B> <I>If the obligor
is an affiliate of the Trustee, describe each such affiliation.</I></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">None</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.35in; text-indent: -0.35in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 1.1in; text-align: left"><B>Items 3-15.</B></TD><TD STYLE="text-align: justify"><I>Items 3-15 are not applicable because to the best
of the Trustee's knowledge, the obligor is not in default under any Indenture for which the Trustee acts as Trustee.</I></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.35in; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.75in; text-align: left"><B>Item 16.</B></TD><TD STYLE="text-align: justify"><B>LIST OF EXHIBITS:</B> <I>List below all exhibits filed
as a part of this statement of eligibility and qualification.</I></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 45pt; text-indent: -0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">1.</TD><TD STYLE="text-align: left">A copy of the Articles of Association of the Trustee.*</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">2.</TD><TD>A copy of the certificate of authority of the Trustee to commence business, attached as Exhibit 2.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">3.</TD><TD>A copy of the certificate of authority of the Trustee to exercise corporate trust powers, attached as Exhibit 3.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">4.</TD><TD>A copy of the existing bylaws of the Trustee.**</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-indent: -1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">5.</TD><TD>A copy of each Indenture referred to in Item 4. Not applicable.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">6.</TD><TD>The consent of the Trustee required by Section 321(b) of the Trust Indenture Act of 1939, attached as Exhibit 6.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in">7.</TD><TD>Report of Condition of the Trustee as of June 30, 2020 published pursuant to law or the requirements of its supervising or
examining authority, attached as Exhibit 7.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-indent: 0pt">* Incorporated by reference to Exhibit
25.1 to Amendment No. 2 to registration statement on S-4, Registration Number 333-128217 filed on November 15, 2005.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-indent: 0pt">** Incorporated by reference to Exhibit
25.1 to registration statement on form S-3ASR, Registration Number 333-199863 filed on November 5, 2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27pt; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: center; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Pursuant to the requirements of the Trust
Indenture Act of 1939, as amended, the Trustee, U.S. BANK NATIONAL ASSOCIATION<FONT STYLE="font-size: 10pt">, </FONT>a national
banking association organized and existing under the laws of the United States of America, has duly caused this statement of eligibility
and qualification to be signed on its behalf by the undersigned, thereunto duly authorized, all in the City Richmond, Commonwealth
of Virginia on the 2<SUP>nd</SUP> of September, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 3%; font-size: 10pt">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 32%; font-size: 10pt">/s/ William F. Michie, III</TD>
    <TD STYLE="width: 15%; font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">William F. Michie, III</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">Assistant Vice President</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Exhibit 2</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;<IMG SRC="image_003.jpg" ALT=""></B></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Exhibit 3</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: Red"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;<IMG SRC="image_001.jpg" ALT=""></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>CERTIFICATE
OF FIDUCIARY POWERS</B></FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">I,
Brian Brooks, Acting Comptroller of the Currency, do hereby certify that:</FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.
The Office of the Comptroller of the Currency, pursuant to Revised Statutes 324, et seq, as amended, and 12 USC 1, et seq, as
amended, has possession, custody, and control of all records pertaining to the chartering, regulation, and supervision of all
national banking associations.</FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.
&ldquo;U.S. Bank National Association,&rdquo; Cincinnati, Ohio (Charter No. 24), was granted, under the hand and seal of the
Comptroller, the right to act in all fiduciary capacities authorized under the provisions of the Act of Congress approved
September 28, 1962, 76 Stat. 668, 12 USC 92a, and that the authority so granted remains in full force and effect on the date
of this certificate.</FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">IN
TESTIMONY WHEREOF, today, June 1, 2020, I have hereunto subscribed my name and caused my seal of office to be affixed to
these presents at the U.S. Department of the Treasury, in the City of Washington, District of Columbia.</FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></P>

<P STYLE="font: 13pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="text-align: center; font: 13pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><IMG SRC="image_002.jpg" ALT="" STYLE="width: 372px; height: 364px">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Exhibit 6</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CONSENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 436.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in">In accordance with Section
321(b) of the Trust Indenture Act of 1939, the undersigned, U.S. BANK NATIONAL ASSOCIATION hereby consents that reports of examination
of the undersigned by Federal, State, Territorial or District authorities may be furnished by such authorities to the Securities
and Exchange Commission upon its request therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: September 2, 2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 32%">/s/ William F. Michie, III</TD>
    <TD STYLE="width: 15%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">William F. Michie, III</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Assistant Vice President</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Exhibit 7</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>U.S. Bank National Association</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Statement of Financial Condition</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">As of 6/30/2020</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>($000&rsquo;s) </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: center; font-size: 10pt; font-weight: bold">6/30/2020</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"><B>Assets</B></TD><TD STYLE="font-size: 10pt"><B>&nbsp;</B></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><B>&nbsp;</B></TD><TD STYLE="font-size: 10pt"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; width: 82%; font-size: 10pt; text-align: left">Cash and Balances Due From Depository Institutions</TD><TD STYLE="width: 2%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 14%; font-size: 10pt; text-align: right">52,265,124</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt">Securities</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">126,598,837</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Federal Funds</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">806</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Loans &amp; Lease Financing Receivables</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">311,129,409</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Fixed Assets</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">7,834,494</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Intangible Assets</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">12,365,020</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; padding-bottom: 1pt; font-size: 10pt; text-align: left">Other Assets</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">26,097,656</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left"><B>Total Assets</B></TD><TD STYLE="font-size: 10pt"><B>&nbsp;</B></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><B>$</B></TD><TD STYLE="font-size: 10pt; text-align: right"><B>536,291,346</B></TD><TD STYLE="font-size: 10pt; text-align: left"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"><B>Liabilities</B></TD><TD STYLE="font-size: 10pt"><B>&nbsp;</B></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><B>&nbsp;</B></TD><TD STYLE="font-size: 10pt; text-align: right"><B>&nbsp;</B></TD><TD STYLE="font-size: 10pt; text-align: left"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt">Deposits</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">425,279,286</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Fed Funds</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">2,453,923</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Treasury Demand Notes</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">0</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Trading Liabilities</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1,018,213</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Other Borrowed Money</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">36,976,115</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt">Acceptances</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">0</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Subordinated Notes and Debentures</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">3,850,000</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; padding-bottom: 1pt; font-size: 10pt; text-align: left">Other Liabilities</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">14,538,821</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left"><B>Total Liabilities</B></TD><TD STYLE="font-size: 10pt"><B>&nbsp;</B></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><B>$</B></TD><TD STYLE="font-size: 10pt; text-align: right"><B>484,116,358</B></TD><TD STYLE="font-size: 10pt; text-align: left"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt"><B>Equity</B></TD><TD STYLE="font-size: 10pt"><B>&nbsp;</B></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><B>&nbsp;</B></TD><TD STYLE="font-size: 10pt; text-align: right"><B>&nbsp;</B></TD><TD STYLE="font-size: 10pt; text-align: left"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Common and Preferred Stock</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">18,200</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt">Surplus</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">14,266,915</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left">Undivided Profits</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">37,089,306</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; padding-bottom: 1pt; font-size: 10pt; text-align: left">Minority Interest in Subsidiaries</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">800,567</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.25in; font-size: 10pt; text-align: left"><B>Total Equity Capital</B></TD><TD STYLE="font-size: 10pt"><B>&nbsp;</B></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><B>$</B></TD><TD STYLE="font-size: 10pt; text-align: right"><B>52,174,988</B></TD><TD STYLE="font-size: 10pt; text-align: left"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"><B>Total Liabilities and Equity Capital</B></TD><TD STYLE="font-size: 10pt"><B>&nbsp;</B></TD>
    <TD STYLE="font-size: 10pt; text-align: left"><B>$</B></TD><TD STYLE="font-size: 10pt; text-align: right"><B>536,291,346</B></TD><TD STYLE="font-size: 10pt; text-align: left"><B>&nbsp;</B></TD></TR>
</TABLE>

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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
