<SEC-DOCUMENT>0001140361-25-018202.txt : 20250509
<SEC-HEADER>0001140361-25-018202.hdr.sgml : 20250509
<ACCEPTANCE-DATETIME>20250509170107
ACCESSION NUMBER:		0001140361-25-018202
CONFORMED SUBMISSION TYPE:	SCHEDULE 13D
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20250509
DATE AS OF CHANGE:		20250509

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FB Financial Corp
		CENTRAL INDEX KEY:			0001649749
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				621216058
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13D
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-89802
		FILM NUMBER:		25931446

	BUSINESS ADDRESS:	
		STREET 1:		1221 BROADWAY
		STREET 2:		SUITE 1300
		CITY:			NASHVILLE
		STATE:			TN
		ZIP:			37203
		BUSINESS PHONE:		615-313-0080

	MAIL ADDRESS:	
		STREET 1:		1221 BROADWAY
		STREET 2:		SUITE 1300
		CITY:			NASHVILLE
		STATE:			TN
		ZIP:			37203

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	First South Bancorp, Inc.
		DATE OF NAME CHANGE:	20150731

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Ayers J. Jonathan
		CENTRAL INDEX KEY:			0001703295
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13D

	MAIL ADDRESS:	
		STREET 1:		C/O FB FINANCIAL CORPORATION
		STREET 2:		1221 BROADWAY, SUITE 1300
		CITY:			NASHVILLE
		STATE:			TN
		ZIP:			37203
</SEC-HEADER>
<DOCUMENT>
<TYPE>SCHEDULE 13D
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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<submissionType>SCHEDULE 13D</submissionType>
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<securitiesClassTitle>Common Stock, par value $1.00 per share</securitiesClassTitle>
<dateOfEvent>04/29/2025</dateOfEvent>
<previouslyFiledFlag>false</previouslyFiledFlag>
<issuerInfo>
<issuerCIK>0001649749</issuerCIK>
<issuerCUSIP>30257X104</issuerCUSIP>
<issuerName>FB Financial Corp</issuerName>
<address>
<com:street1>1221 Broadway</com:street1>
<com:street2>Suite 1300</com:street2>
<com:city>Nashville</com:city>
<com:stateOrCountry>TN</com:stateOrCountry>
<com:zipCode>37203</com:zipCode>
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<authorizedPersons>
<notificationInfo>
<personName>Estate of James W. Ayers</personName>
<personPhoneNum>(615) 866-5434</personPhoneNum>
<personAddress>
<com:street1>c/o James Jonathan Ayers</com:street1>
<com:street2>450 Tennessee Ave, Suite 101</com:street2>
<com:city>Parsons</com:city>
<com:stateOrCountry>TN</com:stateOrCountry>
<com:zipCode>38363</com:zipCode>
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<notificationInfo>
<personName>James Jonathan Ayers</personName>
<personPhoneNum>(615) 866-5434</personPhoneNum>
<personAddress>
<com:street1>Co-Executor Estate of James W. Ayers</com:street1>
<com:street2>450 Tennessee Avenue, Suite 101</com:street2>
<com:city>Parsons</com:city>
<com:stateOrCountry>TN</com:stateOrCountry>
<com:zipCode>38363</com:zipCode>
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<notificationInfo>
<personName>James Austin McPherson</personName>
<personPhoneNum>(615) 866-5434</personPhoneNum>
<personAddress>
<com:street1>Co-Executor Estate of James W. Ayers</com:street1>
<com:street2>6 N. Gill Street</com:street2>
<com:city>Hazelhurst</com:city>
<com:stateOrCountry>GA</com:stateOrCountry>
<com:zipCode>31539</com:zipCode>
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<reportingPersonNoCIK>Y</reportingPersonNoCIK>
<reportingPersonName>Estate of James W. Ayers</reportingPersonName>
<fundType>OO</fundType>
<citizenshipOrOrganization>X1</citizenshipOrOrganization>
<soleVotingPower>10931841</soleVotingPower>
<sharedVotingPower>0</sharedVotingPower>
<soleDispositivePower>10931841</soleDispositivePower>
<sharedDispositivePower>0</sharedDispositivePower>
<aggregateAmountOwned>10931841</aggregateAmountOwned>
<isAggregateExcludeShares>N</isAggregateExcludeShares>
<percentOfClass>23.79</percentOfClass>
<typeOfReportingPerson>OO</typeOfReportingPerson>
<commentContent>The percentage of the Company's outstanding shares of Common Stock represented by the aggregate number of shares of the Company's Common Stock reported as beneficially owned by the reporting persons in this Schedule 13D is based on the Company's outstanding shares as of April 30, 2025.  See Item 5.</commentContent>
</reportingPersonInfo>
<reportingPersonInfo>
<reportingPersonCIK>0001703295</reportingPersonCIK>
<reportingPersonName>Ayers J. Jonathan</reportingPersonName>
<fundType>SC</fundType>
<fundType>PF</fundType>
<citizenshipOrOrganization>X1</citizenshipOrOrganization>
<soleVotingPower>17692</soleVotingPower>
<sharedVotingPower>10931841</sharedVotingPower>
<soleDispositivePower>17692</soleDispositivePower>
<sharedDispositivePower>10931841</sharedDispositivePower>
<aggregateAmountOwned>10949533</aggregateAmountOwned>
<isAggregateExcludeShares>N</isAggregateExcludeShares>
<percentOfClass>23.83</percentOfClass>
<typeOfReportingPerson>IN</typeOfReportingPerson>
<commentContent>The percentage of the Company's outstanding shares of Common Stock represented by the aggregate number of shares of the Company's Common Stock reported as beneficially owned by the reporting persons in this Schedule 13D is based on the Company's outstanding shares as of April 30, 2025.  See Item 5.</commentContent>
</reportingPersonInfo>
<reportingPersonInfo>
<reportingPersonNoCIK>Y</reportingPersonNoCIK>
<reportingPersonName>James Austin McPherson</reportingPersonName>
<fundType>PF</fundType>
<citizenshipOrOrganization>X1</citizenshipOrOrganization>
<soleVotingPower>20084</soleVotingPower>
<sharedVotingPower>10931841</sharedVotingPower>
<soleDispositivePower>20084</soleDispositivePower>
<sharedDispositivePower>10931841</sharedDispositivePower>
<aggregateAmountOwned>10951925</aggregateAmountOwned>
<isAggregateExcludeShares>N</isAggregateExcludeShares>
<percentOfClass>23.83</percentOfClass>
<typeOfReportingPerson>IN</typeOfReportingPerson>
<commentContent>The percentage of the Company's outstanding shares of Common Stock represented by the aggregate number of shares of the Company's Common Stock reported as beneficially owned by the reporting persons in this Schedule 13D is based on the Company's outstanding shares as of April 30, 2025.  See Item 5.</commentContent>
</reportingPersonInfo>
</reportingPersons>
<items1To7>
<item1>
<securityTitle>Common Stock, par value $1.00 per share</securityTitle>
<issuerName>FB Financial Corp</issuerName>
<issuerPrincipalAddress>
<com:street1>1221 Broadway</com:street1>
<com:street2>Suite 1300</com:street2>
<com:city>Nashville</com:city>
<com:stateOrCountry>TN</com:stateOrCountry>
<com:zipCode>37203</com:zipCode>
</issuerPrincipalAddress>
<commentText>This Statement on Schedule 13D (the "Statement" or the "Schedule 13D") relates to the common stock, $1.00 par value per share (the "Common Stock") of FB Financial Corporation a Tennessee corporation (the "Company").</commentText>
</item1>
<item2>
<filingPersonName>This Schedule 13D is being filed jointly by the Estate of James W. Ayers, James Jonathan Ayers and James Austin McPherson.</filingPersonName>
<principalBusinessAddress>The business address for each of the Estate of James W. Ayers and James Jonathan Ayers is 450 Tennessee Ave, Suite 101, Parsons, TN 38363.  The business address for James Austin McPherson is 6 N. Gill Street, Hazelhurst, GA 31539.</principalBusinessAddress>
<principalJob>The principal occupation of James Jonathan Ayers is Executive Vice President of Ayers Asset Management, Inc., a family-owned private investment company, whose principal address is 450 Tennessee Ave, Suite 101, Parsons, TN 38363. Mr. Ayers is also a member of the board of directors of the Company. &#13;
&#13;
The principal occupation of James Austin McPherson is Chief Executive Officer of McPherson Manufacturing, whose principal address is 6 N. Gill Street, Hazelhurst, GA 31539.</principalJob>
<hasBeenConvicted>During the last five years, neither the Estate of James W. Ayers nor either of James Jonathan Ayers or James Austin McPherson has been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors).</hasBeenConvicted>
<convictionDescription>During the last five years, neither the Estate of James W. Ayers nor either of James Jonathan Ayers or James Austin McPherson was a party to a civil proceeding of a judicial or administrative body of competent jurisdiction, which as a result of such proceeding was or is subject to a judgment, decree, or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws.</convictionDescription>
<citizenship>The Estate of James W. Ayers is organized in the United States of America and each of James Jonathan Ayers and James Austin McPherson is a citizen of the United States.</citizenship>
</item2>
<item3>
<fundsSource>(i) The shares of Common Stock described herein as being held by the Estate of James W. Ayers were acquired by the Estate of James W. Ayers upon the death of James W. Ayers and the opening of his estate and issuance of letters testamentary to the co-executors of the estate on April 29, 2025.  No pecuniary or other consideration was exchanged in connection with the acquisition of the shares of Common Stock by the Estate of James W. Ayers.  James W. Ayers, the former chairman of the board of the Company, died on April 1, 2025.  Prior to that date, Mr. Ayers filed reports on Schedule 13G to report his beneficial ownership of the shares of Common Stock now held by the Estate of James W. Ayers.&#13;
&#13;
(ii) James Jonathan Ayers is deemed to have acquired beneficial ownership of the shares of Common Stock held by the Estate of James W. Ayers as a result of his appointment as co-executor of the Estate of James W. Ayers effective April 29, 2025.  No funds were expended by James Jonathan Ayers in connection with acquiring beneficial ownership of the shares of Common Stock of the Company held by the Estate of James W. Ayers.  James Jonathan Ayers also beneficially owns 17,692 shares of the Company's Common Stock directly which were acquired by him in connection with the Company's initial public offering, pursuant to equity awards from the Company in connection with his service on the Company's board of directors and pursuant to equity-based awards from Ayers Asset Management that were settled in shares of the Company's Common Stock.&#13;
&#13;
(iii) James Austin McPherson is deemed to have acquired beneficial ownership of the shares of Common Stock held by the Estate of James W. Ayers as a result of his appointment as co-executor of the Estate of James W. Ayers effective April 29, 2025.  No funds were expended by James Austin McPherson in connection with acquiring beneficial ownership of the shares of Common Stock of the Company held by the Estate of James W. Ayers.  James Austin McPherson also beneficially owns 20,084 shares of the Company's Common Stock which were acquired by him in connection with the Company's initial public offering and through open-market purchases. The 20,084 shares of the Company's Common Stock beneficially owned by James Austin McPherson are owned either individually or by entities (the "McPherson Entities") for which Mr. McPherson has sole voting or dispositive control over the shares.</fundsSource>
</item3>
<item4>
<transactionPurpose>The information in Item 3 above is hereby incorporated by reference.&#13;
&#13;
Each of James Jonathan Ayers and James Austin McPherson acquired and presently holds the shares of Common Stock that he beneficially owns directly for individual investment purposes.  Other than as described in this Item 4, or otherwise in this Statement, neither James Jonathan Ayers nor James Austin McPherson (individually and in his capacity as co-executor of the Estate of James W. Ayers) currently has any plans or proposals which relate to or would result in any of the matters set forth in subparagraphs (a)-(j) of Item 4 of Schedule 13D. In the foregoing capacities, each of Mr. Ayers and Mr. McPherson reserves the right, in light of his future evaluation of the Company's financial condition, business, operations and prospects, the market price of the Common Stock, conditions in the securities markets generally, general economic and industry conditions and other relevant factors, to change his plans and intentions at any time and may, from time to time, dispose of or acquire additional shares of Common Stock in the open market or in private transactions, which may include sales for the purpose of diversifying investments, tax and estate planning purposes or family or charitable gifts.&#13;
&#13;
As a member of the board of directors of the Company, James Jonathan Ayers participates in deliberations of the Company's board of directors in the normal course of the Company's business that could involve any of the matters set forth in subparagraphs (a)-(j) of Item 4 from time to time, and, in keeping with his fiduciary duty as a director, may discuss with management of the Company and vote on proposals or recommendations to the Company's board of directors that could involve such matters from time to time.</transactionPurpose>
</item4>
<item5>
<percentageOfClassSecurities>The Estate of James W. Ayers, James Jonathan Ayers and James Austin McPherson in the aggregate beneficially own an aggregate of 10,969,617 shares of Common Stock, or 23.87%, of the shares of the Company's Common Stock issued and outstanding based on 45,952,178 shares of Common Stock issued and outstanding as of April 30, 2025 as reported in the Company's Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on May 5, 2025. James Jonathan Ayers and James Austin McPherson each disclaims beneficial ownership of the shares of the Company's Common Stock owned by the Estate of James W. Ayers. James Austin McPherson also disclaims beneficial ownership of the shares of Common Stock owned by the McPherson Entities.</percentageOfClassSecurities>
<numberOfShares>The Estate of James W. Ayers directly holds and has sole voting control and dispositive power over 10,931,841 shares of Common Stock reported in this Statement.  Each of James Jonathan Ayers and James Austin McPherson, solely in his capacity as a co-executor of the Estate of James W. Ayers, share voting control and dispositive control over these 10,931,841 shares of Common Stock. In addition, James Jonathan Ayers has sole voting and dispositive control over 17,692 shares of Common Stock reported in this Statement and James Austin McPherson has sole voting and dispositive control over 20,084 shares of Common Stock reported in this Statement.</numberOfShares>
<transactionDesc>Other than the acquisition described in Item 3 of this Statement, there have been no transactions in shares of Common Stock by any of the Estate of James W. Ayers, James Jonathan Ayers or James Austin McPherson within 60 days of the filing date of this Statement.</transactionDesc>
<listOfShareholders>Other than the Estate of James W. Ayers, James Jonathan Ayers and James Austin McPherson, and the individuals that are entitled to receive distributions from the McPherson Entities, no person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the shares of Common Stock reported in this Statement.</listOfShareholders>
<date5PercentOwnership>Not applicable.</date5PercentOwnership>
</item5>
<item6>
<contractDescription>Registration Rights Agreement&#13;
&#13;
Prior to his death, James W. Ayers and the Company were a party to a Registration Rights Agreement (the "Registration Rights Agreement"), pursuant to which, among other things, Mr. Ayers was entitled to certain demand and "piggy-back" registration rights, subject to certain minimum requirements and customary conditions. The Estate of James W. Ayers and the co-executors thereof in their capacity as such are entitled to the benefits of the Registration Rights Agreement.&#13;
&#13;
The Registration Rights Agreement is filed as Exhibit 1 to this Schedule 13D and is incorporated herein by reference.&#13;
&#13;
Voting Agreement&#13;
&#13;
James Jonathan Ayers, along with each of the other members of the Company's board of directors, has entered into a voting agreement pursuant to which he has agreed to vote (or cause to be voted), in person or by proxy, or deliver (or cause to be delivered) a written consent covering, all of the shares of Common Stock that he owns in his individual capacity (and not when he is acting as a trustee, representative or fiduciary or other similar capacity, including in his capacity as Co-Executor of the Estate of James W. Ayers), (1) in favor of the approval of issuance of shares of the Company's Common Stock in connection with the proposed merger of Southern States Bancshares, Inc. ("Southern States"), with and into the Company (the "Merger") and the consummation of the transactions contemplated by the Agreement and Plan of Merger, dated as of March 31, 2025 by and between Southern States and the Company (the "Merger Agreement"), including the Merger and the related merger of Southern States Bank with and into the Company's wholly owned bank subsidiary, FirstBank (the "Bank Merger"), and any actions required in furtherance thereof, (2) against any action or agreement that could result in a breach of any covenant, representation or warranty or any other obligation of the Company under the Merger Agreement, and (3) against any action, agreement, amendment to any agreement or organizational document, transaction, matter or proposal submitted for the vote or written consent of the shareholders of the Company that is intended or would reasonably be expected to impede, interfere with, prevent, delay, postpone, discourage, frustrate the purposes of or adversely affect the Merger or the Bank Merger or the other transactions contemplated by the Merger Agreement or the voting agreement or the performance by Company of its obligations under the Merger Agreement. In addition, the voting agreement that James Jonathan Ayers has entered into provides that he will not transfer any of his shares of Company Common Stock that he owns individually (and not in his capacity as Co-Executor of the Estate of James W. Ayers), subject to certain exceptions, until the earlier of the receipt of the approval of the Company's shareholders of the issuance of the Company's Common Stock to be issued in connection with the Merger or the date on which the Merger Agreement is terminated in accordance with its terms. The voting agreement is to remain in effect until the earlier to occur of the effective time of the Merger, the date of termination of the Merger Agreement in accordance with its terms, and the termination of the voting agreement by mutual written consent of Mr. Ayers, the Company and Southern States.&#13;
&#13;
Other than as described above, there are no contracts, arrangements, understandings or relationships (legal or otherwise) among the Estate of James W. Ayers, James Jonathan Ayers and James Austin McPherson or between each of them and any other person with respect to any securities of the Company, including but not limited to, the transfer or voting of any of the securities, finder's fees, joint ventures, loan or option arrangements, puts or calls, guarantees of profits, division of profits or loss, or the giving or withholding of proxies or any pledge or contingency, the occurrence of which would give another person voting or investment power over the securities of the Company.&#13;
&#13;
The voting agreement to which James Jonathan Ayers is a party is filed as Exhibit 3 to this Schedule 13D and is incorporated herein by reference.</contractDescription>
</item6>
<item7>
<filedExhibits>Exhibit 1 Registration Rights Agreement, dated September 15, 2016, by and between FB Financial Corporation and James W. Ayers (incorporated by reference to Exhibit 4.1 to the Form 10-Q filed by the Company on November 14, 2016).&#13;
&#13;
Exhibit 2 Joint Filing Agreement among the Estate of James W. Ayers, James Jonathan Ayers and James Austin McPherson.&#13;
&#13;
Exhibit 3 Voting Agreement, dated as of March 31, 2025 by and among FB Financial Corporation, Southern States Bancshares, Inc. and James Jonathan Ayers.</filedExhibits>
</item7>
</items1To7>
<signatureInfo>
<signaturePerson>
<signatureReportingPerson>Estate of James W. Ayers</signatureReportingPerson>
<signatureDetails>
<signature>/s/ James Jonathan Ayers</signature>
<title>James Jonathan Ayers, Co-Executor</title>
<date>05/09/2025</date>
</signatureDetails>
<signatureDetails>
<signature>/s/ James Austin McPherson</signature>
<title>James Austin McPherson, Co-Executor</title>
<date>05/09/2025</date>
</signatureDetails>
</signaturePerson>
<signaturePerson>
<signatureReportingPerson>Ayers J. Jonathan</signatureReportingPerson>
<signatureDetails>
<signature>/s/ James Jonathan Ayers</signature>
<title>James Jonathan Ayers</title>
<date>05/09/2025</date>
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</signaturePerson>
<signaturePerson>
<signatureReportingPerson>James Austin McPherson</signatureReportingPerson>
<signatureDetails>
<signature>/s/ James Austin McPherson</signature>
<title>James Austin McPherson</title>
<date>05/09/2025</date>
</signatureDetails>
</signaturePerson>
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<TYPE>EX-2
<SEQUENCE>2
<FILENAME>ef20048702_ex2.htm
<DESCRIPTION>EXHIBIT 2
<TEXT>
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    <title></title>
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         Document created using Broadridge PROfile 25.3.2.5298
         Copyright 1995 - 2025 Broadridge -->
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      <div style="text-align: right; font-weight: bold;">EXHIBIT 2</div>
      <div><br>
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      <div style="text-align: center; font-weight: bold;">JOINT FILING AGREEMENT</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">In accordance with Rule 13d-1(k) of the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of
        each of them of a Statement on Schedule 13D (including any and all amendments thereto) with respect to the common stock of FB Financial Corporation and further agree that this Joint Filing Agreement shall be included as an Exhibit to such joint
        filing. In evidence thereof, the undersigned, being duly authorized, hereby execute this Joint Filing Agreement as of May 9, 2025.</div>
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              <div>ESTATE OF JAMES W. AYERS</div>
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
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              <div>By:<u>&#160;&#160;&#160; /s/ James Jonathan Ayers</u><u>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
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              <div>James Jonathan Ayers, Co-Executor</div>
            </td>
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          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>By:<u>&#160;&#160;&#160; /s/ James Austin McPherson&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; <br>
                  </u></div>
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          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>James Austin McPherson, Co-Executor</div>
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          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>&#160;<u> &#160; /s/ James Jonathan Ayers&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
                </u></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>James Jonathan Ayers</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>&#160;<u>&#160;&#160; /s/ James Austin McPherson&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
                </u></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>James Austin McPherson</div>
            </td>
          </tr>

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      <div>&#160;</div>
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<DOCUMENT>
<TYPE>EX-3
<SEQUENCE>3
<FILENAME>ef20048702_ex3.htm
<DESCRIPTION>EXHIBIT 3
<TEXT>
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  <head>
    <title></title>
    <!-- Licensed to: Summit, a Broadridge Company
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    <div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">VOTING AGREEMENT</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">This VOTING AGREEMENT (this &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;) is made and entered into as of March 31, 2025, by and among FB Financial Corporation (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;), a Tennessee
        corporation, Southern States Bancshares, Inc. (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Seller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;), an Alabama corporation, and the undersigned Shareholder (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Shareholder</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;) of Buyer in the
        Shareholder&#8217;s capacity as a Shareholder of Buyer, and not in his or her capacity as a director, officer, or director and officer, as applicable, of Buyer.</font></div>
    <div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">Preamble</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Concurrently with the execution of this Agreement, Buyer and Seller
        are entering into an Agreement and Plan of Merger, dated as of the date hereof (as amended, supplemented, restated or otherwise modified from time to time, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Merger Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;), pursuant to
        which, among other things, Seller will merge with and into Buyer, with Buyer as the surviving corporation (the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Merger</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;), and Southern States
        Bank, an Alabama state banking corporation and wholly owned subsidiary of Seller (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Seller Bank</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;), will merge with and into FirstBank, a Tennessee state-chartered bank and wholly owned subsidiary of Buyer (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Buyer Bank</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;), with Buyer Bank as the surviving bank (together with the Merger, the &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Mergers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;).</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">As of the date hereof, the Shareholder, who is also a director,
        officer or director and officer, as applicable, of Buyer and has Beneficial Ownership of, in the aggregate, those shares of common stock, par value $1.00 per share, of Seller (&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Seller Common Stock</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;) specified
        on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Schedule 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> attached hereto.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">As a condition and inducement to Buyer and Seller entering into the
        Merger Agreement, Buyer and Seller have required that the Shareholder agree, and the Shareholder has agreed, to enter into this Agreement and abide by the covenants and obligations set forth herein.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Other individuals, as a condition and inducement to Buyer and
        Seller entering into the Merger Agreement, will enter into and abide by the covenants and obligations set forth in substantially similar voting agreements.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">NOW</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">THEREFORE</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">, in consideration of the foregoing and the mutual representations, warranties, covenants and agreements herein contained, and intending
        to be legally bound hereby, the parties hereto agree as follows:</font></div>
    <div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ARTICLE I </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"><br>
        GENERAL</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">1.1.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Defined Terms</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The following
        capitalized terms, as used in this Agreement, shall have the meanings set forth below. Capitalized terms used but not otherwise defined herein shall have the meanings ascribed thereto in the Merger Agreement. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Affiliate</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; of a Person means
        any other Person directly, or indirectly through one or more intermediaries, Controlling, Controlled by or under common Control with such Person. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Beneficial Ownership</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; by a
        Person of any securities means ownership by any Person who, directly or indirectly, through any Contract, arrangement, understanding, relationship or otherwise, has or shares (a)&#160;voting power, which includes the power to vote, or to direct the
        voting of, such security; or (b)&#160;investment power, which includes the power to dispose, or to direct the disposition, of such security; and shall otherwise be interpreted in accordance with the term &#8220;beneficial ownership&#8221; as defined </font></div>
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    <div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">in Rule 13d-3 under the Exchange Act; provided, that for purposes of determining
        Beneficial Ownership, a Person shall be deemed to be the Beneficial Owner of any securities such Person has, at any time during the term of this Agreement, the right to acquire pursuant to any Contract, arrangement or understanding or upon the
        exercise of conversion rights, exchange rights, warrants or options, or otherwise (irrespective of whether the right to acquire such securities is exercisable immediately or only after the passage of time, including the passage of time in excess of
        60 days, the satisfaction of any conditions, the occurrence of any event or any combination of the foregoing). The terms &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Beneficially Own</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; and &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Beneficially Owned</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; shall have a correlative meaning.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Control</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; (including the terms &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Controlling</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">,&#8221; &#8220;C</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">ontrolled by</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; and &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">under common Control with</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221;),
        with respect to the relationship between or among two or more Persons, means the possession, directly or indirectly, of the power to direct or cause the direction of the affairs or management of a Person, whether through the ownership of voting
        securities, as trustee or executor, by Contract or any other means. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Constructive Sale</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; means, with
        respect to any security, a short sale with respect to such security, entering into or acquiring an offsetting derivative Contract with respect to such security, entering into or acquiring a futures or forward Contract to deliver such security or
        entering into any other hedging or other derivative transaction that has the effect of either directly or indirectly materially changing the economic benefits and risks of ownership of any security. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Covered Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; means, with
        respect to the Shareholder, the Existing Shares, together with any shares of Buyer Common Stock or other capital stock of Buyer and any Buyer securities convertible into or exercisable or exchangeable for shares of Buyer Common Stock or other
        capital stock of Buyer, in each case, that the Shareholder acquires Beneficial Ownership of on or after the date hereof.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Encumbrance</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; means any security
        interest, pledge, mortgage, lien (statutory or other), charge, option to purchase, lease or other right to acquire any interest or any claim, restriction, covenant, title defect, hypothecation, assignment, voting trust or agreement, deposit
        arrangement or other encumbrance of any kind or any preference, priority or other security agreement or preferential arrangement of any kind or nature whatsoever (including any conditional sale or other title retention agreement).</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Existing Shares</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; means, with
        respect to the Shareholder, all shares of Buyer Common Stock Beneficially Owned by the Shareholder as specified on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%;text-decoration:underline">Schedule 1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> hereto.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Litigation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; means any action,
        arbitration, mediation, cause of action, lawsuit, claim, complaint, criminal prosecution, governmental or other examination or investigation, audit (other than regular audits of financial statements by outside auditors), hearing, administrative or
        other proceeding relating to or affecting a Person, its business, its records, its policies, its practices, its compliance with Law, its actions, its Assets (including Contracts related to it), or the transactions contemplated by this Agreement or
        the Merger Agreement, but shall not include regular, periodic examinations of depository institutions and their Affiliates by Governmental Authorities.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Permitted Transfer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; means (a) a
        Transfer as the result of the death of the Shareholder to a descendant, heir, executor, administrator, testamentary trustee, lifetime trustee or legatee of the Shareholder, (b) Transfers to Affiliates (including trusts) and family members in
        connection with estate and tax planning purposes, (c) Transfers to any other Shareholder or party who has executed a copy of this Agreement on the date hereof, (d) Transfers in connection with the payment of any withholding taxes </font></div>
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    <div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">owed by the Shareholder in connection with any vesting, settlement, or exercise, as
        applicable, of any Buyer equity or equity-linked awards issued under applicable Buyer equity compensation plans , (e) Transfers in respect of Covered Shares pledged in a bona fide transaction, which is outstanding prior to or as of the date hereof,
        to a lender to the Shareholder, and (f) such Transfers as Seller may otherwise permit; provided, that, in the case of the foregoing clauses (a), (b), and (f), prior to the effectiveness of such Transfer, such transferee executes and delivers to
        Buyer and Seller an agreement that is identical to this Agreement or such other written agreement, in form and substance acceptable to Buyer, to assume all of Shareholder&#8217;s obligations hereunder in respect of the Covered Shares subject to such
        Transfer and to be bound by the terms of this Agreement, with respect to the Covered Shares subject to such Transfer, to the same extent as the Shareholder is bound hereunder and to make each of the representations and warranties hereunder in
        respect of the Covered Shares Transferred as the Shareholder shall have made hereunder.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Transfer</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; means, with respect
        to any security, the direct or indirect assignment, sale, transfer, tender, exchange, pledge, hypothecation, or the grant, creation or suffrage of an Encumbrance in or upon, or the gift, placement in trust, or the Constructive Sale or other
        disposition of such security (including transfers by testamentary or intestate succession or otherwise by operation of Law) or any right, title or interest therein (including, but not limited to, any right or power to vote to which the holder
        thereof may be entitled, whether such right or power is granted by proxy or otherwise), or the record or Beneficial Ownership thereof, the offer to make such a sale, transfer, Constructive Sale or other disposition, and each Contract, arrangement
        or understanding, whether or not in writing, to effect any of the foregoing. The term &#8220;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Transferred</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#8221; shall have a correlative meaning.</font></div>
    <div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ARTICLE II </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"><br>
        COVENANTS OF SHAREHOLDER</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">2.1.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Agreement to Vote</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The
        Shareholder hereby irrevocably and unconditionally agrees that during the term of this Agreement, at a special meeting of the Shareholders of Buyer or at any other meeting of the Shareholders of Buyer, however called, including any adjournment or
        postponement thereof, and in connection with any written consent of the Shareholders of Buyer, the Shareholder shall, in each case to the fullest extent that such matters are submitted for the vote or written consent of the Shareholder and that the
        Covered Shares are entitled to vote thereon or consent thereto:</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(a)&#160;&#160;&#160;&#160;appear at each such meeting in person or by proxy or
        otherwise cause the Covered Shares as to which the Shareholder controls the right to vote to be counted as present thereat for purposes of calculating a quorum; and</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(b)&#160;&#160;&#160;&#160;vote (or cause to be voted), in person or by proxy, or
        deliver (or cause to be delivered) a written consent covering, all of the Covered Shares as to which the Shareholder controls the right to vote individual capacity (and not when Shareholder is acting as a trustee, representative or fiduciary or
        other similar capacity):</font></div>
    <div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(i)&#160;&#160;&#160;&#160;in favor of the approval of issuance of
        shares of Buyer Common Stock in connection with the Merger and the consummation of the transactions contemplated by the Merger Agreement, including the Mergers, and any actions required in furtherance thereof;</font></div>
    <div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(ii)&#160;&#160;&#160;&#160;against any action or agreement that
        could result in a breach of any covenant, representation or warranty or any other obligation of Buyer under the Merger Agreement; and</font></div>
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      <div style="bottom:0;position:absolute;width:100%">
        <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;3</font></div>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:12pt;padding-left:36pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(iii)&#160;&#160;&#160;&#160;against any action, agreement, amendment
        to any agreement or organizational document, transaction, matter or proposal submitted for the vote or written consent of the Shareholders of Buyer that is intended or would reasonably be expected to impede, interfere with, prevent, delay,
        postpone, discourage, frustrate the purposes of or adversely affect the Mergers or the other transactions contemplated by the Merger Agreement or this Agreement or the performance by Buyer of its obligations under the Merger Agreement.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">2.2.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">No Inconsistent Agreements</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The
        Shareholder hereby covenants and agrees that, except for this Agreement, the Shareholder (a) shall not enter into, at any time while this Agreement remains in effect, any voting agreement or voting trust or any other Contract with respect to the
        Covered Shares, (b)&#160;shall not grant at any time while this Agreement remains in effect, a proxy (other than as required to effect the Shareholder&#8217;s voting obligations in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">), Consent or power
        of attorney in contravention of the obligations of the Shareholder under this Agreement with respect to the Covered Shares, (c) shall not commit any act, except for Permitted Transfers, that could restrict or affect his or her legal power,
        authority and right to vote any of the Covered Shares then held of record or Beneficially Owned by the Shareholder or otherwise reasonably expected to prevent or disable the Shareholder from performing any of his or her obligations under this
        Agreement, and (d) shall not take any action that would reasonably be expected to make any representation or warranty of the Shareholder contained herein untrue or incorrect or have the effect of impeding, preventing, delaying, interfering with,
        disabling or adversely affecting the performance by, the Shareholder of his or her obligations under this Agreement.</font></div>
    <div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ARTICLE III </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"><br>
        REPRESENTATIONS AND WARRANTIES</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">3.1.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Representations and Warranties of the Shareholder</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The Shareholder hereby represents and warrants to Seller, Buyer and Buyer Bank as follows: </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(a)&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Authorization; Validity of Agreement; Necessary Action</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The Shareholder has the requisite capacity and authority to execute and deliver this Agreement, to perform his or her obligations hereunder and to consummate the transactions
        contemplated hereby. This Agreement has been duly executed and delivered by the Shareholder and, assuming the due authorization, execution and delivery by the other parties hereto, constitutes a legal, valid and binding obligation of the
        Shareholder, enforceable against him or her in accordance with its terms (except as may be limited by the Enforceability Exception).</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(b)&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Ownership</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The Existing Shares
        are, and all of the Covered Shares owned by the Shareholder from the date hereof through and on the Closing Date will be, Beneficially Owned by the Shareholder except to the extent such Covered Shares are Transferred after the date hereof pursuant
        to a Permitted Transfer. From the date hereof through and on the Closing Date, the Shareholder has and will have sole title to the Covered Shares, free and clear of any Encumbrances other than those imposed by applicable Securities Laws or
        restrictions on transfer arising under the Buyer&#8217;s equity compensation plans. As of the date hereof, the Existing Shares constitute all of the shares of Buyer Common Stock Beneficially Owned by the Shareholder. The Shareholder has and will have at
        all times through the Closing Date Beneficial Ownership with respect to all of the Existing Shares and with respect to all of the Covered Shares owned by the Shareholder at all times through the Closing Date. The Shareholder has and will have
        possession of an outstanding certificate or outstanding certificates representing all of the Covered Shares (other than Covered Shares held at the Depository Trust Company or in book-entry form) and such certificate or certificates does or do not
        contain any legend or restriction inconsistent with the terms of this Agreement, the Merger Agreement or the transactions contemplated hereby and thereby.</font></div>
    <div style="height:74.16pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;4</font></div>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(c)&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">No Violation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The execution and
        delivery of this Agreement by the Shareholder does not, and the performance by the Shareholder of his or her obligations under this Agreement will not, (i) conflict with or violate any Law or Order applicable to the Shareholder or by which any of
        his or her Assets is bound, or (ii) constitute or result in a default under or the loss of any benefit under, or result in the creation of any Encumbrance on the Assets of the Shareholder under, any of the terms, conditions or provisions of any
        Contract to which the Shareholder is a party or by which the Shareholder or any of his or her Assets is bound, except for any of the foregoing as would not be reasonably be expected, either individually or in the aggregate, to materially impair the
        ability of the Shareholder to perform his or her obligations under this Agreement. Except as contemplated by this Agreement, neither the Shareholder nor any of his or her Affiliates (A) has entered into any voting agreement or voting trust with
        respect to any Covered Shares or entered into any other Contract relating to the voting of the Covered Shares or (B) has appointed or granted a proxy or power of attorney with respect to any Covered Shares. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(d)&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Consents and Approvals</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The
        execution and delivery of this Agreement by the Shareholder does not, and the performance by the Shareholder of its obligations under this Agreement and the consummation by it of the transactions contemplated hereby will not, require the
        Shareholder to obtain any Consent. No Consent of Shareholder&#8217;s spouse is necessary under any &#8220;community property&#8221; or other laws in order for Shareholder to enter into and perform its obligations under this Agreement.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(e)&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Legal Proceedings</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. There is no
        Litigation pending or, to the knowledge of the Shareholder, threatened against or affecting the Shareholder or any of his or her Affiliates that could reasonably be expected to impair the ability of the Shareholder to perform his or her obligations
        hereunder or to consummate the transactions contemplated hereby on a timely basis. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(f)&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">No Fees</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The Shareholder has
        not employed any broker or finder or incurred any direct or indirect, primary or secondary, liability, indebtedness, obligation, penalty, cost or expense (including costs of investigation, collection and defense), claim, deficiency, guaranty or
        endorsement of or by any Person (other than endorsements of notes, bills, checks, and drafts presented for collection or deposit in the ordinary course of business) of any type, whether accrued, absolute or contingent, liquidated or unliquidated,
        matured or unmatured, or otherwise, for any financial advisory fees, investment bankers&#8217; fees, brokerage fees, commissions, or finders&#8217; fees in connection with this Agreement or the transactions contemplated hereby.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(g)&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Reliance by Seller</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The
        Shareholder understands and acknowledges that Seller is entering into the Merger Agreement in reliance upon the Shareholder&#8217;s execution and delivery of this Agreement and the representations and warranties of Shareholder contained herein.</font></div>
    <div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ARTICLE IV </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"><br>
        OTHER COVENANTS</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">4.1.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Prohibition on Transfers; Other Actions</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(a)&#160;&#160;&#160;&#160;Until the earlier of the receipt of the Requisite Buyer
        Shareholder Approval or the date on which the Merger Agreement is terminated in accordance with its terms, the Shareholder hereby agrees not to (i)&#160;Transfer any of the Covered Shares, Beneficial Ownership thereof or any other interest specifically
        therein unless such Transfer is a Permitted Transfer; (ii) enter into any Contract with any Person, or take any other action, that violates or conflicts with or would reasonably be expected to violate or conflict with, or result in or give rise to
        a violation of or conflict with, the Shareholder&#8217;s representations, warranties, covenants and obligations under this Agreement; (iii) grant any proxy, power-</font></div>
    <div style="height:74.16pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;5</font></div>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">of-attorney or other authorization in or with respect to any or all of the Covered
        Shares other than as required to effect the Shareholder&#8217;s voting obligations in </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Section 2.1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">; (iv) except as otherwise permitted by this Agreement or by order of a court of competent jurisdiction, take any action that could
        restrict or otherwise affect the Shareholder&#8217;s legal power, authority and right to vote all of the Covered Shares then Beneficially Owned by him or her, or otherwise comply with and perform his or her covenants and obligations under this Agreement;
        or (v) publicly announce any intention to do any of the foregoing. Any Transfer in violation of this provision shall be void. As promptly as practicable following the date hereof, Buyer shall notify its transfer agent that there is a stop transfer
        order with respect to all of the Covered Shares and that this Agreement places limits on the voting of the Covered Shares; provided, that any such stop transfer order and notice will immediately be withdrawn and terminated by Buyer following the
        termination of this Agreement in accordance with </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5.1</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(b)&#160;&#160;&#160;&#160;The Shareholder understands and agrees that if the
        Shareholder attempts to Transfer, vote or provide any other Person with the authority to vote any of the Covered Shares other than in compliance with this Agreement, Buyer shall not, and the Shareholder hereby unconditionally and irrevocably
        instructs Buyer to not (i) permit such Transfer on its books and records, (ii) issue a new certificate representing any of the Covered Shares, or (iii) record such vote unless and until the Shareholder shall have complied with the terms of this
        Agreement.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">4.2.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Certain Events</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. In the event of
        a stock split, stock dividend or distribution, or any change in the Buyer Common Stock by reason of any split-up, reverse stock split, recapitalization, combination, reclassification, exchange of shares or the like, the terms &#8220;Existing Shares&#8221; and
        &#8220;Covered Shares&#8221; shall be deemed to refer to and include such shares as well as all such stock dividends and distributions and any securities into which or for which any or all of such shares may be changed or exchanged or which are received in
        such transaction.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">4.3.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Notice of Acquisitions.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> Except
        for issuances upon settlement or vesting of any Buyer equity or equity-linked awards, Shareholder hereby agrees to notify Seller and Buyer as promptly as practicable (and in any event at least two Business Days prior to the occurrence of any of the
        following events) in writing of (a) the number of any additional shares of Buyer Common Stock or other securities of Buyer of which the Shareholder acquires Beneficial Ownership on or after the date hereof, and (b) any proposed Permitted Transfers
        of the Covered Shares, Beneficial Ownership thereof or other interest specifically therein.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">4.4.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Shareholder Capacity</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The
        Shareholder is signing this Agreement solely in his or her capacity as a holder of Buyer Common Stock, and nothing herein shall prohibit, prevent or preclude the Shareholder from taking or not taking any action in the Shareholder&#8217;s capacity as a
        director, officer or director and officer of Buyer to the extent permitted by the Merger Agreement. Nothing in this Agreement is intended or shall be construed or require the Shareholder, in his or capacity as a director, officer or employee, to
        act or fail to act in accordance with his or her fiduciary duties. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">4.5.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Further Assurances</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. From time
        to time, at the request of Buyer or Seller and without further consideration, the Shareholder shall execute and deliver such additional documents and take all such further action as may be reasonably necessary to effect the actions and consummate
        the transactions contemplated by this Agreement. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">4.6.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Disclosure</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The Shareholder
        hereby authorizes Buyer and Seller to publish and disclose in any announcement or disclosure required by applicable Law and any proxy statement filed in </font></div>
    <div style="height:74.16pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;6</font></div>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">connection with the transactions contemplated by the Merger Agreement the
        Shareholder&#8217;s identity and ownership of the Covered Shares and the nature of the Shareholder&#8217;s obligation under this Agreement. </font></div>
    <div><br>
    </div>
    <div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">ARTICLE V </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"><br>
        MISCELLANEOUS</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.1.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Termination</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. This Agreement
        shall remain in effect until the earlier to occur of (a)&#160;the Effective Time, (b)&#160;the date of termination of the Merger Agreement in accordance with its terms, and (c) the termination of this Agreement by mutual written consent of the parties
        hereto; provided, that the provisions of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">ARTICLE V</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> shall survive any termination of this Agreement . Nothing in this </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Section 5.1 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">and no termination
        of this Agreement shall relieve or otherwise limit any party of liability for fraud, or willful or intentional breach of this Agreement.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.2.&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">No Ownership Interest</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. Nothing
        contained in this Agreement shall be deemed to vest in Buyer or Seller any direct or indirect ownership or incidence of ownership of or with respect to any Covered Shares. All rights, ownership and economic benefits of and relating to the Covered
        Shares shall remain vested in and belong to the Shareholder, and Buyer or Seller shall not have any authority to direct the Shareholder in the voting or disposition of any of the Covered Shares, except as otherwise provided herein. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.3&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Notices</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. All notices or other
        communications which are required or permitted hereunder shall be in writing and sufficient if delivered by hand, by registered or certified mail, postage pre-paid, return receipt requested, by courier or overnight carrier, or by email (with
        confirmed receipt) to the Persons at the addresses set forth below (or at such other address as may be provided hereunder), and shall be deemed to have been delivered as of the date so delivered:</font></div>
    <div style="margin-bottom: 12pt; text-align: justify; text-indent: 36pt; margin-left: 36pt;">
      <table cellspacing="2" cellpadding="0" border="0" id="z19ab090616604071ae1915af4cebcbd2" style="border-collapse: collapse; margin: 0px 0px 5pt; display: inline-table; vertical-align: text-bottom; width: 90%;">

          <tr>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 30%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Buyer:</font></td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">FB Financial Corporation</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">FirstBank</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">1221 Broadway, Suite 1300</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Nashville, Tennessee 37203</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Attn: Beth Sims, General Counsel</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Email: bsims@firstbankonline.com</font></td>
          </tr>
          <tr style="height:15pt">
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 0px 1pt; width: 60%;"><br>
            </td>
          </tr>
          <tr>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 30%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Copy to Counsel:</font></td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Alston &amp; Bird LLP<br>
              </font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">One Atlantic Center</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">1201 West Peachtree Street</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Atlanta, Georgia 30309</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Attn: Mark Kanaly</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Email: Mark.Kanaly@alston.com</font></td>
          </tr>
          <tr style="height:15pt">
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 0px 1pt; width: 60%;"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:74.16pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;7</font></div>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="padding-left:139.7pt;padding-right:-13.7pt;text-indent:-139.5pt"><br>
    </div>
    <div style="margin: 0px 0px 12pt 72pt;">
      <table cellspacing="2" cellpadding="0" border="0" id="z0a14f7c003a0481bb21f6a7b2d092555" style="border-collapse: collapse; margin: 0px 0px 5pt; display: inline-table; vertical-align: text-bottom; width: 90%;">

          <tr>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 30%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Seller:</font></td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Southern States Bancshares, Inc.</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">100 Office Park Drive</font></td>
          </tr>
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            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Birmingham, AL 35223</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Attn: Lynn Joyce, Senior Executive Vice</font></td>
          </tr>
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            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">President and Chief Financial Officer</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Email: ljoyce@ssbank.bank</font></td>
          </tr>
          <tr style="height:15pt">
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 0px 1pt; width: 60%;"><br>
            </td>
          </tr>
          <tr>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 30%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Copy to Counsel:</font></td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Jones Walker LLP</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">420 20th St. N</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Suite 1100</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Birmingham, AL 35203</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Attn: Mike Waters</font></td>
          </tr>
          <tr>
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Email: mwaters@joneswalker.com</font></td>
          </tr>
          <tr style="height:15pt">
            <td style="padding: 0px 1pt; width: 30%;"><br>
            </td>
            <td style="padding: 0px 1pt; width: 60%;"><br>
            </td>
          </tr>
          <tr>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: top; width: 30%;"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">Shareholder:</font></td>
            <td style="padding: 2px 1pt; text-align: left; vertical-align: bottom; width: 60%;">
              <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%">To those Persons indicated on </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%;text-decoration:underline">Schedule 1.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.4&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Interpretation</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. Neither this
        Agreement nor any uncertainty or ambiguity herein shall be construed or resolved against any party, whether under any rule of construction or otherwise. No party to this Agreement shall be considered the draftsman. The parties acknowledge and agree
        that this Agreement has been reviewed, negotiated, and accepted by all parties and their attorneys (if such parties elected to engage legal counsel) and, unless otherwise defined herein, the words used shall be construed and interpreted according
        to their ordinary meaning so as fairly to accomplish the purposes and intentions of all parties hereto. Section headings of this Agreement are for reference purposes only and are to be given no effect in the construction or interpretation of this
        Agreement. Whenever the context may require, any pronoun used herein shall include the corresponding masculine, feminine or neuter forms. Whenever the words &#8220;include,&#8221; &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they shall be deemed to be
        followed by the words &#8220;without limitation.&#8221; The word &#8220;or&#8221; shall not be exclusive and &#8220;any&#8221; means &#8220;any and all.&#8221; &#8220;Extent&#8221; in the phrase &#8220;to the extent&#8221; means the degree to which a subject or other thing extends, and such phrase does not mean simply
        &#8220;if.&#8221; The words &#8220;hereby,&#8221; &#8220;herein,&#8221; &#8220;hereof,&#8221; &#8220;hereunder&#8221; and similar terms refer to this Agreement as a whole and not to any specific Section.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.5&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Counterparts; Delivery by Electronic Transmission</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. This Agreement may be executed in two or more counterparts, each of which shall be deemed to be an original, but all of which together shall constitute one and the same
        instrument. This Agreement and any signed agreement or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by electronic means, including by e-mail delivery
        of a &#8220;.pdf&#8221; format data file, shall be treated in all manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person. No
        party hereto or to any such agreement or instrument shall raise the use of electronic means, including e-mail delivery of a &#8220;.pdf&#8221; format data file, to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or
        agreement or instrument was transmitted or communicated through the use of electronic means, including e-mail delivery of a &#8220;.pdf&#8221; format data file, as a defense to the formation of a contract and each party hereto forever waives any such defense.</font></div>
    <div style="height:74.16pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;8</font></div>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.6&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Entire Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. This
        Agreement and, to the extent referenced herein, the Merger Agreement, together with the several agreements and other documents and instruments referred to herein or therein or annexed hereto or thereto, constitute the entire agreement among the
        parties hereto with respect to the transactions contemplated hereunder and thereunder and supersedes all prior arrangements or understandings, with respect thereto, written and oral. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.7&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Governing Law; Consent to Jurisdiction; Waiver of Jury Trial</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">.</font></div>
    <div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.7.1&#160;&#160;&#160;&#160;The parties agree that this Agreement
        shall be governed by and construed in all respects in accordance with and all disputes arising out of or in connection with this Agreement or the transactions contemplated hereby shall be resolved under, the Laws of the State of Tennessee without
        regard to any conflict of Laws or choice of Law principles that might otherwise refer construction or interpretation of this Agreement to the substantive Law of another jurisdiction.</font></div>
    <div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.7.2&#160;&#160;&#160;&#160;Any civil action, counterclaim,
        proceeding, or litigation arising out of or relating to this Agreement shall be brought exclusively in any federal or state court of competent jurisdiction located in the State of Tennessee. Each party consents to the jurisdiction of such Tennessee
        courts in any such civil action, counterclaim, proceeding, or litigation and waives any objection to the laying of venue of any such civil action, counterclaim, proceeding, or litigation in such Tennessee courts. Service of any court paper may be
        effected on a party hereto by mail, as provided in this letter, or in such other manner as may be provided under applicable Laws.</font></div>
    <div style="margin-bottom:12pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.7.3&#160;&#160;&#160;&#160;EACH PARTY ACKNOWLEDGES AND AGREES
        THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY
        RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY SUIT, ACTION OR OTHER PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH PARTY CERTIFIES AND
        ACKNOWLEDGES THAT: (I) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF ANY ACTION, SUIT OR PROCEEDING, SEEK TO ENFORCE THE FOREGOING WAIVER, (II) EACH
        PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III) EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (IV) EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN
        THIS </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">SECTION 5.7</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.8&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Amendments; Waivers</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. To the
        extent permitted by Law, this Agreement may be amended or waived by a subsequent writing signed by each of the parties upon the approval of each of the parties. The parties hereto may, to the extent permitted by Law, (a) extend the time for the
        performance </font></div>
    <div style="height:74.16pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;9</font></div>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:12pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">of any of the obligations or other acts of the other parties, (b) waive any
        inaccuracies in the representations and warranties contained herein or in any document delivered pursuant hereto, and (c) waive compliance with any of the agreements or satisfaction of any conditions contained herein. Any agreement on the part of a
        party hereto to any such extension or waiver shall be valid only if set forth in a written instrument signed on behalf of such party, but such extension or waiver or failure to insist on strict compliance with an obligation, covenant, agreement or
        condition shall not operate as a waiver of, or estoppel with respect to, any subsequent or other failure to comply with an obligation, covenant, agreement or condition. No failure or delay by any party hereto in exercising any right, power, remedy
        or privilege hereunder shall operate as a waiver thereof nor shall any single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any right, power or privilege.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.9&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Enforcement of Agreement</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. The
        parties hereto agree that irreparable damage would occur and that the parties hereto would not have any adequate remedy at law in the event that any of the provisions of this Agreement was not performed in accordance with its specific terms or was
        otherwise breached. It is accordingly agreed that the parties shall be entitled to seek an injunction or injunctions to prevent breaches of this Agreement and to enforce specifically the terms and provisions hereof in any court of the United States
        or any state having jurisdiction, this being in addition to any other remedy to which they are entitled at Law or in equity. Each of the parties waives (a) any defense in any action for specific performance that a remedy at Law would be adequate
        and (b) any requirement under any Law to post security or a bond as a prerequisite to obtaining equitable relief.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.10&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Severability</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. Any term or
        provision of this Agreement that is invalid or unenforceable in any jurisdiction shall, as to that jurisdiction, be ineffective to the extent of such invalidity or unenforceability without rendering invalid or unenforceable the remaining terms and
        provisions of this Agreement or affecting the validity or enforceability of any of the terms or provisions of this Agreement in any other jurisdiction. If any provision of this Agreement is so broad as to be unenforceable, the provision shall be
        interpreted to be only so broad as is enforceable. </font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.11&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Assignment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. Except as expressly
        contemplated hereby, neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned by any party hereto (whether by merger, consolidation or otherwise by operation of Law) without the prior written consent of the
        other parties. Any purported assignment in contravention hereof shall be null and void. Subject to the preceding sentences, this Agreement will be binding upon, inure to the benefit of and be enforceable by the parties and their respective
        successors and permitted assigns.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.12&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Third Party Beneficiaries</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">.
        Nothing in this Agreement expressed or implied, is intended to confer upon any Person, other than the parties or their respective successors, any rights, remedies, obligations, or liabilities under or by reason of this Agreement. The
        representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties
        hereto in accordance herewith without notice or liability to any other Person. In some instances, the representations and warranties in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters
        regardless of the knowledge of any of the parties hereto. Consequently, Persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations of actual facts or circumstances as of the date of
        this Agreement or as of any other date. Notwithstanding any other provision hereof to the contrary, no Consent, approval or agreement of any third party beneficiary will be required to amend, modify or waive any provision of this Agreement.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline"> </font></div>
    <div style="height:74.16pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;10</font></div>
        <div><br>
        </div>
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.13&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Expenses</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. Each of the parties
        hereto shall bear and pay all direct costs and expenses incurred by it or on its behalf in connection with the transactions contemplated hereunder.</font></div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">5.14&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Reasonable Efforts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">. On the
        terms and subject to the conditions of this Agreement, the Shareholder agrees to execute and deliver such additional documents as Seller may reasonably request and use its reasonable best efforts to take, or cause to be taken, all appropriate
        actions, and to do, or cause to be done, all things necessary, proper or advisable under applicable Laws to consummate and make effective the transactions contemplated hereby as promptly as practicable. Without limiting the foregoing, the
        Shareholder shall execute and deliver to Seller and any of its designees any proxies reasonably requested by Seller with respect to the Shareholder&#8217;s voting obligations under this Agreement.</font></div>
    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">[</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:400;line-height:120%">signatures on following page</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">]</font></div>
    <div><br>
    </div>
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        <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;11</font></div>
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        </div>
        <div><br>
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    </div>
    <hr style="page-break-after:always">
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    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">IN WITNESS WHEREOF</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">, the party hereto has caused this Agreement to be executed (where applicable, by their respective officers or other authorized Person
        thereunto duly authorized) as of the day and year first written above.</font></div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">FB FINANCIAL CORPORATION</font></div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">By:&#160;<u>&#160;&#160; /s/ </u><u><font style="color: #000000; font-weight: 400; line-height: 120%;">Christopher T.
            Holmes</font>&#160;&#160;&#160;&#160; </u><br>
      </font></div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Name: Christopher T. Holmes<br>
      </font></div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Title: President and Chief Executive Officer<br>
      </font></div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="height:72.72pt;position:relative;width:100%">
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        <div style="text-align:center"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">[Signature Page to Buyer Voting Agreement]</font></div>
        <div><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">IN WITNESS WHEREOF</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">, the party hereto has caused this Agreement to be executed (where applicable, by their respective officers or other authorized Person
        thereunto duly authorized) as of the day and year first written above.</font></div>
    <div><br>
    </div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SOUTHERN STATES BANCSHARES, INC.</font></div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">By:&#160;<u>&#160;&#160; /s/ Lynn Joyce&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
        </u></font></div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Name: Lynn Joyce<br>
      </font></div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Title: Executive Vice President and Chief Financial Officer<br>
      </font></div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="padding-left:216pt"><br>
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        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 10.00pt;">&#160;&#160;&#160;&#160;</font></div>
        <div style="text-align:center"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">[Signature Page to Buyer Voting Agreement]</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="margin-bottom:12pt;text-align:justify;text-indent:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">IN WITNESS WHEREOF</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">, the party hereto has caused this Agreement to be executed (where applicable, by their respective officers or other authorized Person
        thereunto duly authorized) as of the day and year first written above.</font></div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">SHAREHOLDER</font></div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="padding-left:216pt"><br>
    </div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"><u>&#160;&#160;&#160;&#160;&#160;&#160; /s/ J. Jonathan Ayers&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </u><br>
      </font></div>
    <div style="padding-left:216pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Name: J. Jonathan Ayers<br>
      </font></div>
    <div style="padding-left:216pt"><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="height:72.72pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 10.00pt;">&#160;&#160;&#160;&#160;</font></div>
        <div style="text-align:center"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">[Signature Page to Buyer Voting Agreement]</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:72pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%;text-decoration:underline">Schedule 1</font></div>
    <div style="margin-bottom:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">INFORMATION</font></div>
    <div><br>
    </div>
    <div>
      <table id="zca3aee63384945c7aa0382a60596fdd7" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.032%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:47.466%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:2.666%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
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            </td>
            <td style="width:47.468%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 2.56pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Name</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.56pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">Existing Shares</font></td>
          </tr>
          <tr style="height:15pt">
            <td style="border-top:0.5pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:0.5pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">___J. Jonathan
                Ayers___________________________</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt 2px 4.12pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:100%">_________16,085______________________</font></td>
          </tr>

      </table>
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    <div><br>
    </div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Address for notice:</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Name:&#160;&#160;&#160; J. Jonathan Ayers<br>
      </font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Street: &#160;&#160;&#160; c/o FB Financial Corporation<br>
      </font></div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 1221 Broadway, Suite 1300<br>
      </font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">City, State:&#160;&#160;&#160; Nashville, Tennessee<br>
      </font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">ZIP Code:&#160;&#160;&#160; 37203</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Telephone:&#160;&#160;&#160;&#160;________________________</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Fax:&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; ________________________</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Email:&#160; &#160; &#160; &#160; &#160;&#160; ________________________</font></div>
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