<SEC-DOCUMENT>0001104659-22-101175.txt : 20220919
<SEC-HEADER>0001104659-22-101175.hdr.sgml : 20220919
<ACCEPTANCE-DATETIME>20220919161546
ACCESSION NUMBER:		0001104659-22-101175
CONFORMED SUBMISSION TYPE:	S-4/A
PUBLIC DOCUMENT COUNT:		18
FILED AS OF DATE:		20220919
DATE AS OF CHANGE:		20220919

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST BANCORP /NC/
		CENTRAL INDEX KEY:			0000811589
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				561421916
		STATE OF INCORPORATION:			NC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-4/A
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-267089
		FILM NUMBER:		221250775

	BUSINESS ADDRESS:	
		STREET 1:		300 SW BROAD STREET
		CITY:			SOUTHERN PINES
		STATE:			NC
		ZIP:			28387
		BUSINESS PHONE:		910-246-2500

	MAIL ADDRESS:	
		STREET 1:		300 SW BROAD STREET
		CITY:			SOUTHERN PINES
		STATE:			NC
		ZIP:			28387
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-4/A
<SEQUENCE>1
<FILENAME>tm2226035-1_s4a.htm
<DESCRIPTION>FORM S-4/A
<TEXT>
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<P STYLE="margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> <B>As filed with the Securities and Exchange
Commission on September 19, 2022</B> </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"> <B>Registration No.&nbsp;333-267089</B> </P>

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

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 12pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> <B>PRE-EFFECTIVE AMENDMENT NO.&nbsp;1 TO</B> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM&nbsp;S-4</B>&nbsp;</P>

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

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

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

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

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FIRST BANCORP</B>&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; width: 33%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>North Carolina</B></FONT></TD>
    <TD STYLE="text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 30%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>6022</B></FONT></TD>
    <TD STYLE="text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: center; width: 35%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>56-1421916</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(State or other jurisdiction of<BR>
incorporation or organization)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Primary Standard Industrial<BR>
Classification Code Number)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(I.R.S. Employer<BR>
Identification Number)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 52%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><IMG SRC="image_001.gif" ALT="" STYLE="height: 1px; width: 66px"></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 47%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><IMG SRC="image_001.gif" ALT="" STYLE="height: 1px; width: 66px"></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>First Bancorp<BR>
300 SW Broad Street<BR>
Southern Pines, North Carolina 28387<BR>
(910) 246-2500</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Richard H. Moore<BR>
Chief Executive Officer<BR>
300 SW Broad Street<BR>
Southern Pines, North Carolina 28387<BR>
(910) 246-2500</B></FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Address, including zip code, and telephone number,<BR>
including area code, of registrant&rsquo;s principal executive offices)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Name, address, including zip code, and telephone number,<BR>
including area code, of agent for service)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-top-width: 0in; border-top-color: Black; border-bottom-width: 0in; border-bottom-color: Black; border-left-width: 0in; border-left-color: Black">Copies
to:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top; width: 52%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Robert A. Singer,&nbsp;Esq.</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Iain MacSween,&nbsp;Esq.</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Brooks, Pierce, McLendon, Humphrey&amp; Leonard,
    L.L.P.</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>2000 Renaissance Plaza</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>230 N. Elm Street</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Greensboro, North Carolina 27401</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(336) 373-8850</B></P></TD>
    <TD STYLE="vertical-align: bottom; text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 47%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Benjamin A. Barnhill,&nbsp;Esq.</B></P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Brittany M. McIntosh,&nbsp;Esq.<BR>
    Nelson Mullins Riley&nbsp;&amp; Scarborough, LLP<BR>
    104 S. Main Street, Suite&nbsp;900<BR>
    Greenville, South Carolina 29601<BR>
    (864) 250-2246</B></P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Approximate date of commencement
of the proposed sale of the securities to the public:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>As soon as practicable
after this Registration Statement becomes effective and upon completion of the merger described in the enclosed document.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
the securities being registered on this Form&nbsp;are being offered in connection with the formation of a holding company and there is
compliance with General Instruction G, check the following box. </FONT><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
this Form&nbsp;is filed to register additional securities for an offering pursuant to Rule&nbsp;462(b)&nbsp;under the Securities Act,
check the following box and list the Securities Act registration statement number of the earlier effective registration statement for
the same offering. </FONT><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
this Form&nbsp;is a post-effective amendment filed pursuant to Rule&nbsp;462(d)&nbsp;under the Securities Act, check the following box
and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. </FONT><FONT STYLE="font-family: Wingdings">&uml;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Indicate by check mark whether
the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or emerging growth
company. See the definitions of &ldquo;large accelerated filer,&rdquo; &ldquo;accelerated filer,&rdquo; &ldquo;smaller reporting company,&rdquo;
and &ldquo;emerging growth company&rdquo; in Rule&nbsp;12b-2 of the Exchange Act.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; white-space: nowrap; width: 44%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Large accelerated filer <FONT STYLE="font-family: Wingdings">&#120;</FONT></FONT></TD>
    <TD STYLE="white-space: nowrap; width: 17%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 39%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accelerated
filer <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; white-space: nowrap; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-accelerated
filer <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Smaller
reporting company <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Emerging
growth company <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section&nbsp;7(a)(2)(B)&nbsp;of the Securities Act.</FONT>
<FONT STYLE="font-family: Wingdings"> <FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If applicable, place an X
in the box to designate the appropriate rule&nbsp;provision relied upon in conducting this transaction:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange
Act Rule&nbsp;13e-4(i)&nbsp;(Cross-Border Issuer Tender Offer) </FONT><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange
Act Rule&nbsp;14d-1(d)&nbsp;(Cross-Border Third-Party Tender Offer) </FONT><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>The Registrant hereby amends
this Registration Statement on such date or dates as may be necessary to delay its effective date until the Registrant shall file a further
amendment which specifically states that this Registration Statement shall thereafter become effective in accordance with Section&nbsp;8(a)&nbsp;of
the Securities Act of 1933, as amended, or until the Registration Statement shall become effective on such date as the Commission, acting
pursuant to said Section&nbsp;8(a), may determine.</B></P>

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

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: red"><B>Information contained herein is
subject to completion or amendment. A registration statement relating to these securities has been filed with the Securities and Exchange
Commission. These securities may not be sold nor may offers to buy be accepted prior to the time the registration statement becomes effective.
This document shall not constitute an offer to sell or the solicitation of any offer to buy nor shall there be any sale of these securities
in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities
laws of any such jurisdiction.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: red"> <B>PRELIMINARY&mdash;SUBJECT TO
COMPLETION&mdash;DATED SEPTEMBER 19, 2022</B> </P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Proxy Statement</B></FONT><B> of GrandSouth Bancorporation</B></TD>
    <TD STYLE="width: 50%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Prospectus of First Bancorp</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
  <TD STYLE="text-align: justify; width: 60%"><IMG SRC="tm2224511d1_s4img001.jpg" ALT=""></TD>
  <TD STYLE="text-align: left; width: 40%"><IMG SRC="tm2224511d1_s4img02.jpg" ALT=""></TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>MERGER PROPOSED&mdash;YOUR VOTE IS VERY IMPORTANT</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On June&nbsp;21, 2022, First
Bancorp, a North Carolina corporation, and GrandSouth Bancorporation, a South Carolina corporation (which we refer to as &ldquo;GrandSouth&rdquo;)
entered into an Agreement and Plan of Merger and Reorganization (which we refer to as the &ldquo;merger agreement&rdquo;) that provides
for the combination of First Bancorp and GrandSouth. Under the merger agreement, (i)&nbsp;GrandSouth will merge with and into First Bancorp
(which we refer to as the &ldquo;merger&rdquo;), with First Bancorp continuing as the surviving corporation in the merger and (ii)&nbsp;immediately
following the completion of the merger, GrandSouth Bank, a South Carolina chartered bank and a wholly-owned subsidiary of GrandSouth,
will merge with and into First Bank, a North Carolina chartered bank and a wholly-owned subsidiary of First Bancorp (which we refer to
as the &ldquo;bank merger&rdquo;), with First Bank being the surviving entity in the bank merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In the merger, each outstanding
share of GrandSouth&rsquo;s common stock, no par value per share (which we collectively refer to as &ldquo;GrandSouth common stock&rdquo;)
and GrandSouth Series&nbsp;A preferred stock, no par value per share (which we collectively refer to as the &ldquo;GrandSouth preferred
stock&rdquo; and, together with the GrandSouth common stock, as the &ldquo;GrandSouth stock&rdquo;), except for specified shares of GrandSouth
stock owned by GrandSouth or First Bancorp and shares of GrandSouth stock as to which dissenters&rsquo; rights have been perfected, will
be converted into the right to receive 0.91 shares (which we refer to as the &ldquo;exchange ratio&rdquo;) of First Bancorp&rsquo;s common
stock, no par value (which we refer to as &ldquo;First Bancorp common stock&rdquo;). In addition, at the effective time of the merger,
any unvested GrandSouth stock options will accelerate under applicable change of control provisions in the GrandSouth Bancorporation 2019
Stock Option Plan and the GrandSouth Bancorporation 2009 Stock Option Plan, and each outstanding GrandSouth stock option will convert
into an option to acquire First Bancorp common stock, adjusted based on the 0.91 exchange ratio. First Bancorp will also assume the assets
and liabilities of GrandSouth in the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> Although the number of
shares of First Bancorp common stock that GrandSouth shareholders will be entitled to receive is fixed, the market value of the merger
consideration will fluctuate with the market price of First Bancorp common stock and will not be known at the time GrandSouth shareholders
vote on the merger. Based on the $35.26 closing price of First Bancorp&rsquo;s common stock on the NASDAQ Global Select Market (which
we refer to as the &ldquo;NASDAQ GSM&rdquo;) on June&nbsp;21, 2022, the last trading day before public announcement of the merger, the
0.91 exchange ratio represented approximately $32.09 in value for each share of GrandSouth stock. Based on the $36.90 closing price of
First Bancorp&rsquo;s common stock on the NASDAQ GSM on September 14, 2022, the latest practicable trading day before the printing of
this proxy statement/prospectus, the 0.91 exchange ratio represented approximately $33.58 in value for each share of GrandSouth stock.
Based on the 0.91 exchange ratio and the number of shares of GrandSouth stock outstanding as of September 14, 2022, the maximum number
of shares of First Bancorp common stock estimated to be issuable in the merger is 5,009,432. <B>We urge you to obtain current market
quotations for First Bancorp (trading symbol &ldquo;FBNC&rdquo;) and GrandSouth (trading symbol &ldquo;GRRB&rdquo;).</B> </P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth will hold a special
meeting (which we refer to as the &ldquo;special meeting&rdquo;) of its shareholders in connection with the merger. At the special meeting,
GrandSouth shareholders will be asked to vote to approve the merger agreement and related matters as described in this proxy statement/prospectus.
Under South Carolina law, approval of the merger agreement requires the affirmative vote of: (i)&nbsp;two-thirds of the outstanding shares
of GrandSouth common stock; (ii)&nbsp;two-thirds of the outstanding shares of GrandSouth preferred stock; and (iii)&nbsp;two-thirds of
the outstanding shares of GrandSouth stock, voting together as a single class.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> The special meeting will
be held at 381 Halton Road, Greenville, South Carolina 29607 on November 8, 2022, at 5:00 p.m. local time. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>GrandSouth&rsquo;s board
of directors unanimously recommends that GrandSouth shareholders vote &ldquo;FOR&rdquo; the approval of the merger agreement and &ldquo;FOR&rdquo;
the other matters to be considered at the special meeting.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This proxy statement/prospectus
describes the special meeting of GrandSouth, the merger, the issuance of shares of First Bancorp common stock representing the merger
consideration (which we refer to as the &ldquo;First Bancorp share issuance&rdquo;), the documents related to the merger, the bank merger
and other related matters. <B>Please carefully read this entire proxy statement/prospectus, including &ldquo;Risk Factors,&rdquo; beginning
on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>], for a discussion of the risks relating to the proposed merger and the First Bancorp share issuance.</B> You also
can obtain information about First Bancorp and GrandSouth from documents that each has filed with the Securities and Exchange Commission.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Neither the Securities
and Exchange Commission nor any state securities commission has approved or disapproved of the securities to be issued in the merger or
passed upon the adequacy or accuracy of this proxy statement/prospectus. Any representation to the contrary is a criminal offense.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>The securities to be issued
in the merger are not savings or deposit accounts or other obligations of any bank or non-bank subsidiary of either First Bancorp or GrandSouth,
and they are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> The date of this proxy
statement/prospectus is September 23, 2022, and it is first being mailed or otherwise delivered to the shareholders of GrandSouth on
or about September 23, 2022. </P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><IMG SRC="tm2224511d1_s4img001.jpg" ALT="">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">To the Shareholders of GrandSouth:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth
will hold a special meeting of its shareholders at GrandSouth&rsquo;s principal executive offices, located at </FONT>381 Halton Road,
Greenville, South Carolina 29607 on November 8, 2022, at 5:00 p.m. local time to consider and vote upon the following matters: </P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">For holders of GrandSouth common and preferred stock, a proposal to approve the merger agreement and the
merger, pursuant to which GrandSouth will merge with and into First Bancorp, each as more fully described in this proxy statement/prospectus
(which we refer to as the &ldquo;merger proposal&rdquo;);</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">For holders of GrandSouth common stock, a proposal to approve, on an advisory (non-binding) basis, the
compensation that may be paid or become payable to the named executive officers of GrandSouth that is based on or otherwise relates to
the merger (which we refer to as the &ldquo;merger-related compensation proposal&rdquo;); and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">For holders of GrandSouth common stock, a proposal to adjourn the special meeting, if necessary or appropriate,
to solicit additional proxies in favor of the merger proposal (which we refer to as the &ldquo;adjournment proposal&rdquo;).</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> We have fixed the close
of business on September 14, 2022 as the record date for the special meeting (which we refer to as the &ldquo;record date&rdquo;). Only
holders of record of GrandSouth stock on the record date are entitled to notice of, and to vote at, the special meeting, or any adjournment
of the special meeting. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Our board of directors
has unanimously adopted and approved the merger agreement, has determined that the merger agreement and the transactions contemplated
thereby, including the merger, are advisable and in the best interests of GrandSouth and its shareholders, and unanimously recommends
that GrandSouth shareholders vote &ldquo;FOR&rdquo; the merger proposal, &ldquo;FOR&rdquo; the merger-related compensation proposal and
 &ldquo;FOR&rdquo; the adjournment proposal.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Your
vote is very important. Whether or not you expect to attend the special meeting in person, please vote your shares as promptly as possible
by visiting the Internet site listed on the proxy, calling the toll-free number listed on the proxy or submitting your proxy by mail using
the provided self-addressed, stamped envelope. </B></FONT>We cannot complete the merger unless GrandSouth&rsquo;s shareholders approve
the merger proposal. Under South Carolina law, approval of the merger proposal requires the affirmative vote of at least two-thirds of
the outstanding shares of each of (a)&nbsp;GrandSouth common stock, (b)&nbsp;GrandSouth preferred stock, and (c)&nbsp;GrandSouth common
and preferred stock, voting together as a single class. For each of the merger-related compensation proposal and the adjournment proposal
to be approved, the number of votes cast by holders of GrandSouth common stock at the special meeting, in person or by proxy, in favor
of such proposal must exceed the votes cast against such proposal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>We have determined that
under Chapter 13 of the South Carolina Business Corporation Act, or the &ldquo;SCBCA,&rdquo; holders of both our common stock and preferred
stock are entitled to assert dissenters&rsquo; rights, and to be paid the &ldquo;fair value&rdquo; for their shares plus interest accrued,
instead of receiving the merger consideration, if the merger is completed. To assert your dissenters&rsquo; rights, you must deliver to
GrandSouth, before the vote on the merger proposal is taken, written notice of your intent to demand payment if the merger is completed,
and comply precisely with the other procedures described in Chapter 13 of the SCBCA. A copy of Chapter 13 of the SCBCA is attached as
<U>Annex B</U> to this proxy statement/prospectus. For more information regarding dissenters&rsquo; rights, please see &ldquo;The Merger&mdash;
Dissenters&rsquo; Rights in the Merger&rdquo; beginning on page&nbsp;[&#9679;] of this proxy statement/prospectus.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Regardless of whether you
plan to attend the special meeting, please vote as soon as possible. If you hold stock in your name as a shareholder of record of GrandSouth,
please complete, sign, date and return the accompanying proxy card in the enclosed postage-paid return envelope. You may also vote through
the Internet or by telephone. If you hold your stock in &ldquo;street name&rdquo; through a bank or broker, please follow the instructions
on the voting instruction card furnished by the record holder.</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This proxy statement/prospectus
provides a detailed description of the special meeting, the merger, the documents related to the merger, the bank merger and other related
matters. We urge you to read the proxy statement/prospectus, including any documents incorporated in the proxy statement/prospectus by
reference, and its annexes carefully and in their entirety.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="text-align: justify; width: 50%">&nbsp;</TD>
  <TD STYLE="text-align: justify; width: 50%"><B>BY ORDER OF THE BOARD OF DIRECTORS,</B></TD></TR>
</TABLE>


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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
  <TD STYLE="text-align: justify; padding-left: 10pt; text-indent: -10pt; width: 50%">Greenville, South Carolina</TD>
  <TD STYLE="text-align: justify; padding-left: 10pt; text-indent: -10pt; width: 50%">Mason
Y. Garrett</TD></TR>

<TR STYLE="vertical-align: top">
  <TD STYLE="text-align: justify; padding-left: 10pt; text-indent: -10pt"> September 23<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">,
  2022</FONT> </TD>
  <TD STYLE="text-align: justify; padding-left: 10pt; text-indent: -10pt"> <I>Chairman and Chief Executive Officer</I> </TD></TR>
</TABLE>


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This
proxy statement/prospectus incorporates important business and financial information about First Bancorp and GrandSouth from documents
filed with the Securities and Exchange Commission (which we refer to as the &ldquo;SEC&rdquo;) that are not included in or delivered
with this proxy statement/prospectus. You can obtain any of the documents filed with or furnished to the SEC by First Bancorp and/or
GrandSouth at no cost from the SEC&rsquo;s website at <U>www.sec.gov</U></FONT>. You may also request copies of these documents, including
documents incorporated by reference in this proxy statement/prospectus, at no cost by contacting the relevant company at the following
address:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="width: 50%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>First
    Bancorp</B></FONT><BR>
    300 SW Broad Street</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Southern Pines, North Carolina 28387</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(910) 246-2500</P></TD>
    <TD STYLE="width: 50%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>GrandSouth
    Bancorporation</B></FONT><BR>
    381 Halton Road</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Greenville, South Carolina 29607</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(864) 527-7170</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>You
will not be charged for any of these documents that you request. To obtain timely delivery of these documents, you must request them
no later than five business days before the date of the special meeting. Accordingly, GrandSouth shareholders requesting documents must
do so by November 1, 2022</B>, in order to receive them before the special meeting.</FONT> </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> You should rely only on
the information contained in, or incorporated by reference into, this document. No one has been authorized to provide you with information
that is different from that contained in, or incorporated by reference into, this document. This document is dated September 23, 2022,
and you should assume that the information in this document is accurate only as of such date. You should assume that the information
incorporated by reference into this document is accurate as of the date of such document. Neither the mailing of this document to GrandSouth
shareholders nor the issuance by First Bancorp of shares of First Bancorp common stock in connection with the merger will create any
implication to the contrary. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>This document does not
constitute an offer to sell, or a solicitation of an offer to buy, any securities, or the solicitation of a proxy, in any jurisdiction
to or from any person to whom it is unlawful to make any such offer or solicitation in such jurisdiction. Except where the context otherwise
indicates, information contained in this document regarding GrandSouth has been provided by GrandSouth and information contained in this
document regarding First Bancorp has been provided by First Bancorp.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">See &ldquo;Where You Can Find More Information&rdquo;
beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>] for more details.</P>

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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 90%"><A HREF="#b_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>QUESTIONS AND ANSWERS</B></FONT></A></TD>
    <TD STYLE="text-align: right; width: 10%"><A HREF="#b_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>1</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>SUMMARY</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>7</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>RISK FACTORS</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>14</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#b_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#b_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>19</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#c_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL STATEMENTS</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#c_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>20</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#e_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>UNAUDITED COMPARATIVE PER SHARE DATA</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>30</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#e_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>THE GRANDSOUTH SPECIAL MEETING</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>31</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Date, Time and Place of the Special Meeting</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Matters to Be Considered</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Recommendation of the GrandSouth Board</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Record Date, Shares Entitled to Vote and Quorum</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Broker Non-Votes</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Required Vote; Treatment of Abstentions, Broker Non-Votes and Failure to Vote</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Shares Held by Directors and Executive Officers; Support Agreements</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Voting of Proxies; Incomplete Proxies</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Voting Shares Held in &ldquo;Street Name&rdquo;</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Revocability of Proxies and Changes to a GrandSouth Shareholder&rsquo;s Vote</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Solicitation of Proxies</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Attending the Special Meeting</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Delivery of Proxy Materials to GrandSouth Shareholders Sharing an Address</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Assistance</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><A HREF="#e_017"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>GRANDSOUTH PROPOSALS</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_017">35</A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Proposal No.&nbsp;1 &ndash; Merger Proposal</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Proposal No.&nbsp;2 &ndash; Merger-Related Compensation Proposal</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_021"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Proposal No.&nbsp;3 &ndash; Adjournment Proposal</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_021">35</A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#e_022"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>INFORMATION ABOUT FIRST BANCORP</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_022"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>36</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#e_023"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>INFORMATION ABOUT GRANDSOUTH</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_023"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>36</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#e_024"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>THE MERGER</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_024"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>37</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_025"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Terms of the Merger</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_025"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_026"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Background of the Merger</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_026">37</A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_027"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>GrandSouth&rsquo;s Reasons for the Merger; Recommendation of the GrandSouth Board</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_027"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#e_028"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Opinion of GrandSouth&rsquo;s Financial Advisor</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#e_028"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#f_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Interests of GrandSouth&rsquo;s Directors and Executive Officers in the Merger</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#f_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#f_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Merger-Related Compensation for GrandSouth&rsquo;s Named Executive Officers</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#f_002">57</A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#g_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Public Trading Markets</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#g_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#g_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>First Bancorp&rsquo;s Dividend Policy</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#g_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#g_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Dissenters&rsquo; Rights in the Merger</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#g_003">59</A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#g_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Regulatory Approvals Required for the Merger</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#g_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">62</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD><A HREF="#g_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>THE MERGER AGREEMENT</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#g_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>63</B></FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#g_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Effective Time</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#g_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">63</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#g_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Terms of the Merger</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#g_007">64</A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"><A HREF="#g_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Registration of First Bancorp Common Stock</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#g_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"><A HREF="#g_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Treatment of GrandSouth Stock Options</B></FONT></A></TD>
    <TD STYLE="text-align: right"><A HREF="#g_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64</FONT></A></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="margin: 0">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in; width: 90%"> <A HREF="#g_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Treatment
    of GrandSouth TRUPS</B></FONT></A> </TD>
    <TD STYLE="text-align: right; width: 10%"> <A HREF="#g_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Treatment
    of GrandSouth Sub-Debt</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Representations
    and Warranties Made by First Bancorp and GrandSouth in the Merger Agreement</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_012"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">64</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Shareholder
    Meeting and Recommendation of the Board of Directors of GrandSouth</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_013"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">65</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Agreement
    Not to Solicit Other Offers</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_014"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">66</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Termination
    and Conditions of Closing</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_015"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">67</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Surrender
    of Certificates</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_016"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">69</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_017"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>GrandSouth
    Shareholder Approval</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_017"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">69</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Expenses</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_018"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;69</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_019"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Conduct
    of Business of GrandSouth Pending Closing</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_019"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">69</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Support
    Agreements</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_020"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">73</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD> <A HREF="#g_021"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>DESCRIPTION
    OF CAPITAL STOCK OF FIRST BANCORP</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_021"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>75</B></FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_022"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>General</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_022"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">75</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_024"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Common
    Stock</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_024"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">76</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_025"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Voting
    Rights</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_025">76</A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_026"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Liquidation
    Rights</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_026"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">76</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_027"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Dividends</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_027"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;76</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_028"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Other
    Provisions</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_028"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">76</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_029"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Anti-Takeover
    Provisions</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_029"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">76</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_030"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Preferred
    Stock</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_030"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">77</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#g_031"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Transfer
    Agent and Registrar</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_031"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">77</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD> <A HREF="#g_032"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>COMPARISON
    OF SHAREHOLDERS&rsquo; RIGHTS</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#g_032"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>77</B></FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#h_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Differences
    in Legal Rights between Shareholders of GrandSouth and First Bancorp</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#h_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">78</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD> <A HREF="#h_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>COMPARATIVE
    MARKET PRICES AND DIVIDENDS</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#h_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>82</B></FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <A HREF="#h_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>SECURITY
    OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT OF FIRST BANCORP</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#h_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>83</B></FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -0.125in; padding-left: 0.125in"> <A HREF="#h_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>SECURITY
    OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT OF GRANDSOUTH</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#h_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>85</B></FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD> <A HREF="#h_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>LEGAL
    MATTERS</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#h_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>86</B></FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD> <A HREF="#h_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>EXPERTS</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#h_006"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>86</B></FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#hhh_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>First
    Bancorp</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#hhh_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">86</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#hhh_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>GrandSouth</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#hhh_003"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">86</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD> <A HREF="#I_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>DEADLINES
    FOR SUBMITTING SHAREHOLDER PROPOSALS</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#I_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>87</B></FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#iii_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>First
    Bancorp</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#iii_004"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">87</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#iii_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>GrandSouth</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#iii_005"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">87</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD> <A HREF="#I_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>WHERE
    YOU CAN FIND MORE INFORMATION</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#I_002"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>87</B></FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Annexes</B></FONT> </TD>
    <TD STYLE="text-align: right"></TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#iii_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ANNEX
    A &ndash; Agreement and Plan of Merger and Reorganization</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#iii_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A-1</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#iii_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ANNEX
    B &ndash; Chapter 13 of the South Carolina Business Corporation Act of 1988</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#iii_008"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">B-1</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#iii_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ANNEX
    C &ndash; Opinion of Piper Sandler&nbsp;&amp; Co.</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#iii_009"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">C-1</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#iii_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ANNEX
    D &ndash; J.B. Schwiers Employment Agreement</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#iii_010"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">D-1</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 0.5in"> <A HREF="#iii_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>ANNEX
    E - J.B. Garrett Consulting Agreement</B></FONT></A> </TD>
    <TD STYLE="text-align: right"> <A HREF="#iii_011"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">E-1</FONT></A> </TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><A NAME="b_001"></A><B>QUESTIONS
AND ANSWERS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>The following are some
questions that you, as a GrandSouth shareholder, may have about the merger, the First Bancorp share issuance, the special meeting, as
applicable, and brief answers to those questions. We urge you to read carefully the remainder of this proxy statement/prospectus because
the information in this section does not provide all of the information that might be important to you with respect to the merger or
the special meeting, as applicable. For details about where you can find additional important information, please see the section of
this proxy statement/prospectus entitled &ldquo;Where You Can Find More Information&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>Unless the context otherwise
requires, references in this proxy statement/prospectus to &ldquo;First Bancorp&rdquo; refer to First Bancorp, a North Carolina corporation,
and its affiliates, and references to &ldquo;GrandSouth&rdquo; refer to GrandSouth Bancorporation, a South Carolina corporation, and
its affiliates.</I></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What is the merger?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT> </TD>
    <TD STYLE="text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First Bancorp and GrandSouth
    entered the merger agreement on June&nbsp;21, 2022. The merger is the first step in a series of transactions to combine First Bancorp
    and GrandSouth, and their respective subsidiary banks, First Bank and GrandSouth Bank. The combined bank will be the largest community
    bank headquartered in North Carolina with over $12 billion in total assets and 116 branches, including 14 branches in South Carolina.</FONT> </TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Under the merger agreement:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 72px">&nbsp;</TD>
    <TD STYLE="width: 24px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth will merge with
    and into First Bancorp, with First Bancorp continuing as the surviving corporation (which we refer to as the &ldquo;merger&rdquo;);
    and</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 72px">&nbsp;</TD>
    <TD STYLE="width: 24px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Immediately following the
    completion of the merger, GrandSouth Bank will merge with and into First Bank, with First Bank being the surviving entity in such
    merger (which we refer to as the &ldquo;bank merger&rdquo;).</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">A copy of the merger agreement is included
in this proxy statement/prospectus as <U>Annex A</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">The merger cannot be completed unless,
among other things, GrandSouth shareholders approve the merger proposal.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Why am I receiving this
    proxy statement/prospectus?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth has called the
    special meeting in order to approve the merger.&nbsp;&nbsp;We are delivering this document to you because it is a proxy statement
    being used by the GrandSouth board of directors (which we refer to as the &ldquo;GrandSouth board&rdquo;) to solicit proxies from
    GrandSouth shareholders in connection with approval of the merger and related matters. It also constitutes a notice of special meeting
    with respect to the special meeting.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">In addition, this document is also
a prospectus that is being delivered to GrandSouth shareholders because First Bancorp is offering shares of its common stock to GrandSouth
shareholders in connection with the merger (which we refer to as the &ldquo;First Bancorp share issuance&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">This proxy statement/prospectus contains
important information about the merger the other proposals being voted on at the special meeting. You should read it carefully and in
its entirety. The enclosed materials allow you to have your shares voted by proxy without attending the special meeting. <B>Your vote
is important.</B> We encourage you to submit your proxy as soon as possible.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>In addition to the merger
    proposal, what else are GrandSouth shareholders being asked to vote on?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In addition to the merger
    proposal, GrandSouth is soliciting proxies from its shareholders with respect to a proposal to approve, on an advisory (non-binding)
    basis, the compensation that certain executive officers of GrandSouth may receive in connection with the merger pursuant to agreements
    or arrangements with GrandSouth and a proposal to adjourn the special meeting, if necessary or appropriate, to solicit additional
    proxies in favor of the merger proposal. Completion of the merger is not conditioned upon approval of the merger-related compensation
    proposal or the adjournment proposal.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What will GrandSouth
    shareholders be entitled to receive in the merger?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If the merger is completed,
    each share of GrandSouth stock, except for certain shares of GrandSouth stock owned by GrandSouth or First Bancorp and shares of
    GrandSouth stock as to which dissenters&rsquo; rights have been perfected, will be converted into the right for each GrandSouth shareholder
    to receive a number of shares of First Bancorp common stock equal to the 0.91 exchange ratio multiplied by the number of such shares
    of GrandSouth stock held by such GrandSouth shareholder immediately prior to the effective time of the merger (which we refer to
    as the &ldquo;effective time&rdquo;). First Bancorp will not issue any fractional shares of First Bancorp common stock in the merger.
    GrandSouth shareholders who would otherwise be entitled to a fractional share of First Bancorp common stock upon the completion of
    the merger will instead be entitled to receive an amount in cash (rounded to the nearest cent) based on the average of the closing
    price of First Bancorp common stock as reported on the NASDAQ GSM during the 20 consecutive full trading days ending at the closing
    of trading on the fifth business day prior to the effective time of the merger (which we refer to as the &ldquo;Average First Bancorp
    Stock Price&rdquo;).</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What will First Bancorp
    shareholders be entitled to receive in the merger?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First Bancorp shareholders
    will not be entitled to receive any merger consideration and will continue to hold the shares of First Bancorp common stock that
    they held immediately prior to the completion of the merger.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>How
    will the merger affect GrandSouth stock options?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At the effective time,
    any unvested options to purchase shares of GrandSouth common stock will accelerate under applicable change in control provisions
    in GrandSouth&rsquo;s 2019 Stock Option Plan and 2009 Stock Option Plan (which we refer to as the &ldquo;GrandSouth Option Plans&rdquo;)
    and each outstanding and unexercised GrandSouth stock option will convert into an option to acquire First Bancorp common stock, adjusted
    based on the 0.91 exchange ratio.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Will the value of the
    merger consideration change between the date of this proxy statement/prospectus and the time the merger is completed?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Although
    the number of shares of First Bancorp common stock that GrandSouth shareholders will be entitled to receive is fixed, the value of
    the merger consideration will fluctuate between the date of this proxy statement/prospectus and the completion of the merger based
    upon the market value for First Bancorp common stock. Any fluctuation in the market price of First Bancorp common stock after the
    date of this proxy statement/prospectus will change the value of the shares of First Bancorp common stock that GrandSouth shareholders
    will be entitled to receive.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>How
    does the GrandSouth board recommend that I vote at the special meeting?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The GrandSouth
    board unanimously recommends that you vote &ldquo;FOR&rdquo; the merger proposal, &ldquo;FOR&rdquo; the merger-related compensation
    proposal and &ldquo;FOR&rdquo; the adjournment proposal.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>When
    and where is the special meeting?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> The special meeting will be held
at 381 Halton Road, Greenville, South Carolina 29607 on November 8, 2022, at 5:00 p.m. local time. </P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What
    do I need to do now?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">After
    you have carefully read this entire proxy statement/prospectus and have decided how you wish to vote your shares, please vote your
    shares promptly so that your shares are represented and voted at your special meeting. If you hold your shares in your name as a
    shareholder of record, you must complete, sign, date and mail your proxy card in the enclosed postage-paid return envelope as soon
    as possible. Alternatively, you may vote through the Internet or by telephone. Information and applicable deadlines for voting through
    the Internet or by telephone are set forth in the enclosed proxy card instructions. If you hold your shares in &ldquo;street name&rdquo;
    through a bank or broker, you must direct your bank or broker how to vote in accordance with the instructions you have received from
    your bank or broker. &ldquo;Street name&rdquo; shareholders who wish to vote in person at their special meeting will need to obtain
    a legal proxy from the institution that holds their shares.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What
    constitutes a quorum for the special meeting?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The presence
    at the special meeting, in person or by proxy, of holders representing at least a majority of the issued and outstanding shares of
    each of (i)&nbsp;the GrandSouth common stock, (ii)&nbsp;the GrandSouth preferred stock, and (iii)&nbsp;the GrandSouth stock, entitled
    to be voted at the special meeting will constitute a quorum for the transaction of business at the special meeting. Once a share
    is represented for any purpose at the special meeting, it is deemed present for quorum purposes for the remainder of the special
    meeting or for any adjournment(s)&nbsp;thereof. Abstentions and broker non-votes, if any, will be included in determining the number
    of shares present at the meeting for the purpose of determining the presence of a quorum.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What
    is the vote required to approve each proposal at the special meeting?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>merger
    proposal</I></FONT>:</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Standard:
    </I></FONT>The GrandSouth proposal will be approved if: (i)&nbsp;two-thirds of the outstanding shares of GrandSouth common stock;
    (ii)&nbsp;two-thirds of the outstanding shares of GrandSouth preferred stock; and (iii)&nbsp;two-thirds of the outstanding shares
    of GrandSouth stock, voting together as a single class, vote in favor of the proposal at the special meeting.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Effect
    of abstentions and broker non-votes:</I></FONT> If you mark &ldquo;ABSTAIN&rdquo; on your proxy, fail to submit a proxy or vote in
    person at the special meeting, or fail to instruct your bank or broker how to vote with respect to the merger proposal, it will have
    the same effect as a vote &ldquo;AGAINST&rdquo; the merger proposal.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><I>merger-related compensation proposal:</I></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Standard:
    </I></FONT>The merger-related compensation proposal will be approved if a majority of the votes cast on such proposal at the special
    meeting are voted in favor of such proposal.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Effect
    of abstentions and broker non-votes: </I></FONT>If you mark &ldquo;ABSTAIN&rdquo; on your proxy card, fail to submit a proxy or vote
    in person at the special meeting or fail to instruct your bank or broker how to vote with respect to the merger-related compensation
    proposal, it will have no effect on such proposal.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>adjournment
proposal</I></FONT>:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Standard:
    </I></FONT>The adjournment proposal will be approved if the votes cast at the special meeting, in person or by proxy, in favor of
    the proposal exceed the votes cast against the proposal.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Effect
    of abstentions and broker non-votes:</I></FONT> If you mark &ldquo;ABSTAIN&rdquo; on your proxy card, fail to submit a proxy or vote
    in person at the special meeting or fail to instruct your bank or broker how to vote with respect to the adjournment proposal, it
    will have no effect on such proposal.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Why
    is my vote important?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If you
    do not vote, it will be more difficult for GrandSouth to obtain the necessary quorum to hold the special meeting. In addition, your
    failure to submit a proxy or vote in person, or failure to instruct your bank or broker how to vote, or abstention with respect to
    the merger proposal will have the same effect as a vote &ldquo;AGAINST&rdquo; approval of the merger agreement. The merger proposal
    must be approved by (i)&nbsp;two-thirds of the outstanding shares of GrandSouth common stock; (ii)&nbsp;two-thirds of the outstanding
    shares of GrandSouth preferred stock; and (iii)&nbsp;two-thirds of the outstanding shares of GrandSouth stock, voting together as
    a single class. The GrandSouth board unanimously recommends that the GrandSouth shareholders vote &ldquo;FOR&rdquo; the merger proposal.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>If
    my shares of GrandSouth stock are held in &ldquo;street name&rdquo; by my bank or broker, will my bank or broker automatically vote
    my shares for me?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No.&nbsp;Your
    bank or broker cannot vote your shares without instructions from you. You should instruct your bank or broker how to vote your shares
    in accordance with the instructions provided to you. Please check the voting form used by your bank or broker.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Can
    I attend the meeting and vote my shares in person?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yes. All
    GrandSouth shareholders, including shareholders of record and shareholders who hold their shares &ldquo;in street name&rdquo; through
    a bank or a broker, are invited to attend the special meeting. Holders of record of GrandSouth stock can vote in person at the special
    meeting. If you are not a shareholder of record, you must obtain a proxy card, executed in your favor, from the record holder of
    your shares, such as a bank or a broker, to be able to vote in person at your meeting. If you plan to attend the meeting, you must
    hold your shares in your own name or have a letter from the record holder of your shares confirming your ownership. In addition,
    you must bring a form of personal photo identification with you in order to be admitted to the special meeting. GrandSouth reserves
    the right to refuse admittance to anyone without proper proof of share ownership or without proper photo identification. The use
    of cameras, sound recording equipment, communications devices or any similar equipment during the special meeting is prohibited without
    GrandSouth&rsquo;s express written consent.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Can
    I change my vote?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>GrandSouth
    shareholders:</I></FONT> Yes. If you are a holder of record of GrandSouth common stock, you may change your vote or revoke any proxy
    at any time before it is voted by (i)&nbsp;signing and returning a proxy card with a later date, (ii)&nbsp;delivering a written revocation
    letter to GrandSouth&rsquo;s corporate secretary, (iii)&nbsp;attending the special meeting in person, notifying the corporate secretary
    and voting by ballot at the special meeting or (iv)&nbsp;voting by telephone or the Internet at a later time. Attendance at the special
    meeting by itself will not automatically revoke your proxy. A revocation or later-dated proxy received by GrandSouth after the vote
    will not affect the vote. GrandSouth&rsquo;s corporate secretary&rsquo;s mailing address is: GrandSouth Bancorporation, 381 Halton
    Road, Greenville, South Carolina 29607, Attention: Corporate Secretary.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">If you hold your shares of GrandSouth
stock in &ldquo;street name&rdquo; through a bank or broker, you should contact your bank or broker to change your vote or revoke your
proxy.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Will
    GrandSouth be required to submit the merger proposal to its shareholders even if the GrandSouth board has withdrawn, modified or
    qualified its recommendation?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yes. Unless
    the merger agreement is terminated before the special meeting, GrandSouth is required to submit the merger proposal to its shareholders
    even if the GrandSouth board has withdrawn, modified or qualified its recommendation.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What
    are the U.S. federal income tax consequences of the merger to GrandSouth shareholders?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Holders
    of GrandSouth stock are not expected to recognize gain or loss for U.S. federal income tax purposes on the exchange of their GrandSouth
    stock for First Bancorp common stock in the merger, except with respect to any cash received in lieu of fractional shares of First
    Bancorp common stock. The obligations of GrandSouth and First Bancorp to complete the merger are subject to, among other conditions
    described in this proxy statement/prospectus, the receipt by each of GrandSouth and First Bancorp of the opinion of First Bancorp&rsquo;s
    legal counsel or tax accounting firm to the effect that the merger will be treated as a &ldquo;reorganization&rdquo; within the meaning
    of Section&nbsp;368(a)&nbsp;of the Internal Revenue Code of 1986, as amended (which we refer to as the &ldquo;Code&rdquo;).</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Holders of GrandSouth stock who receive
cash as a result of exercising and perfecting their dissenters&rsquo; rights will recognize gain or loss for U.S. federal income tax
purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">You should read the section of this
proxy statement/prospectus entitled &ldquo;U.S. Federal Income Tax Consequences of the Merger&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]
for a more complete discussion of the U.S. federal income tax consequences of the merger. Tax matters can be complicated and the tax
consequences of the merger to you will depend on your particular tax situation. You should consult your tax advisor to determine the
tax consequences of the merger to you.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Are
    GrandSouth shareholders entitled to dissenters&rsquo; rights?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yes. Under
    South Carolina law, holders of GrandSouth stock who perfect their dissenters&rsquo; rights in accordance with applicable law will
    have dissenters&rsquo; rights as a result of the merger. Failure to follow the applicable procedures summarized in this document
    and set forth in Chapter 13 of the South Carolina Business Corporation Act of 1988 (the &ldquo;SCBCA&rdquo;) will result in the loss
    of dissenters&rsquo; rights. See &ldquo;GrandSouth Shareholders Have Dissenters&rsquo; Rights&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].
    Please also see Appendix B for the text of the applicable provisions of the SCBCA as in effect with respect to dissenters&rsquo;
    rights in connection with the merger.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>If
    I am a GrandSouth shareholder, should I send in my GrandSouth stock certificates now?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No.&nbsp;Please
    do not send in your GrandSouth stock certificates with your proxy. After the merger, an exchange agent will send you instructions
    for exchanging GrandSouth stock certificates for the merger consideration. See &ldquo;The Merger Agreement&mdash;Surrender of Certificates&rdquo;
    beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What
    should I do if I hold my shares of GrandSouth stock in book-entry form?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">You are
    not required to take any special additional actions if your shares of GrandSouth stock are held in book-entry form. After the completion
    of the merger, shares of GrandSouth stock held in book-entry form will automatically be exchanged for shares of First Bancorp common
    stock in book-entry form and cash to be paid in exchange for fractional shares, if any.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Whom
    may I contact if I cannot locate my GrandSouth stock certificate(s)?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If you
    are unable to locate your original GrandSouth stock certificate(s), you should contact Continental Stock Transfer&nbsp;&amp; Trust
    Company, GrandSouth&rsquo;s transfer agent, at 1-800-509-5586.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What
    should I do if I receive more than one set of voting materials?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth
    shareholders may receive more than one set of voting materials, including multiple copies of this proxy statement/prospectus and
    multiple proxy cards or voting instruction cards. For example, if you hold shares of GrandSouth stock in more than one brokerage
    account, you will receive a separate voting instruction card for each brokerage account in which you hold such shares. If you are
    a holder of record of GrandSouth stock and your shares are registered in more than one name, you will receive more than one proxy
    card. In addition, if you are a holder of both GrandSouth common stock and GrandSouth preferred stock, you will receive one or more
    separate proxy cards or voting instruction cards for each class of stock. Please complete, sign, date and return each proxy card
    and voting instruction card that you receive or otherwise follow the voting instructions set forth in this proxy statement/prospectus
    to ensure that you vote every share of GrandSouth stock that you own.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>When
    do you expect to complete the merger?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT> </TD>
    <TD STYLE="font-size: 10pt; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
    currently expect to complete the merger in the fourth quarter of 2022 or the first quarter of 2023. However, we cannot assure you
    of when or if the merger will be completed. GrandSouth must obtain the approval of its shareholders for the merger proposal, and
    the parties must obtain necessary regulatory approvals and satisfy certain other customary closing conditions.</FONT> </TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>What
    happens if the merger is not completed?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If the
    merger is not completed, GrandSouth shareholders will not receive any consideration for their shares in connection with the merger.
    Instead, GrandSouth will remain an independent public company and its common stock will continue to be quoted on the OTC Markets
    Group OTCQX Best Market (which we refer to as the &ldquo;OTCQX&rdquo;). In addition, if the merger agreement is terminated in certain
    circumstances, a termination fee may be required to be paid by GrandSouth. For a more detailed discussion of the circumstances under
    which a termination fee will be required to be paid, please see the section of this proxy statement/prospectus entitled &ldquo;The
    Merger Agreement&mdash; Termination and Conditions of Closing&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Q:</B></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Whom
    should I call with questions?</B></FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">

    <TD STYLE="width: 48px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A:</FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If you
    have any questions concerning the merger or this proxy statement/ prospectus, please contact J.B. Garrett, Chief Financial Officer
    of GrandSouth, at (864) 527-7170.&nbsp;&nbsp;If you would like additional copies of this proxy statement/prospectus or need help
    voting your shares of GrandSouth stock, please contact J.B. Garrett, Chief Financial Officer of GrandSouth, at (864) 527-7170.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><A NAME="b_002"></A><B>SUMMARY</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>This summary highlights
selected information from this proxy statement/prospectus. It may not contain all of the information that is important to you. We urge
you to read carefully the entire proxy statement/prospectus, including the annexes, and the other documents to which we refer in order
to fully understand the merger. See &ldquo;Where You Can Find More Information&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]. Each item in this
summary refers to the page&nbsp;of this proxy statement/prospectus on which that subject is discussed in more detail.</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>In the Merger, GrandSouth Shareholders will
be Entitled to Receive Shares of First Bancorp Common Stock (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp and GrandSouth
are proposing a strategic merger. If the merger is completed, GrandSouth shareholders will be entitled to receive 0.91 shares of First
Bancorp common stock for each share of GrandSouth stock they hold immediately prior to the merger. First Bancorp will not issue any fractional
shares of First Bancorp common stock in the merger. GrandSouth shareholders who would otherwise be entitled to a fraction of a share
of First Bancorp common stock upon the completion of the merger will instead be entitled to receive an amount in cash, rounded to the
nearest whole cent, determined by multiplying the fraction of a share (rounded to the nearest thousandth when expressed as a decimal
form) of First Bancorp common stock to which the holder would otherwise be entitled by the Average First Bancorp Stock Price, which will
be calculated shortly before the effective time of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> First Bancorp common stock
is listed on the NASDAQ GSM under the symbol &ldquo;FBNC&rdquo; and GrandSouth common stock is quoted on the OTCQX under the symbol &ldquo;GRRB.&rdquo;
The following table shows the closing sale prices of First Bancorp common stock and GrandSouth common stock as reported on the NASDAQ
GSM and the OTCQX, respectively, on June&nbsp;21, 2022, the last full trading day before the public announcement of the merger agreement,
and on September 14, 2022, the last practicable trading day before the printing of this proxy statement/prospectus. This table also shows
the implied value of the merger consideration payable for each share of GrandSouth stock, which was calculated by multiplying the closing
price of First Bancorp common stock on those dates by the exchange ratio of 0.91. </P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> First
    Bancorp<BR>
    Common Stock </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt"> &nbsp; </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> GrandSouth<BR>
    Stock </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt"> &nbsp; </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> Implied
    Value of<BR> One Share of<BR> GrandSouth<BR> Stock </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 52%; text-align: justify"> June&nbsp;21, 2022 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 13%; text-align: right"> 35.26 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 13%; text-align: right"> 27.48 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 13%; text-align: right"> 32.09 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"> September 14, 2022 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 36.90 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32.77</FONT> </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT> </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33.58</FONT> </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The merger agreement governs
the merger. The merger agreement is included in this proxy statement/prospectus as <U>Annex A</U>. All descriptions in this summary and
elsewhere in this proxy statement/prospectus of the terms and conditions of the merger are qualified by reference to the merger agreement.
Please read the merger agreement carefully for a more complete understanding of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>The
GrandSouth Board Unanimously Recommends that GrandSouth Shareholders Vote &ldquo;FOR&rdquo; the Merger proposal and the Other Proposals
Presented at the GrandSouth Special Meeting (page&nbsp;</B></FONT><B>[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The GrandSouth board has
determined that the merger, the merger agreement and the transactions contemplated by the merger agreement are advisable and in the best
interests of GrandSouth and its shareholders and has unanimously approved the merger agreement. The GrandSouth board unanimously recommends
that GrandSouth shareholders vote &ldquo;FOR&rdquo; the merger proposal and &ldquo;FOR&rdquo; the other proposals presented at the special
meeting. For the factors considered by the GrandSouth board in reaching its decision to approve the merger agreement, see the section
of this proxy statement/prospectus entitled &ldquo;The Merger&mdash;GrandSouth&rsquo;s Reasons for the Merger; Recommendation of the
GrandSouth Board&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> As of the record date,
directors and executive officers of GrandSouth and their affiliates beneficially owned and were entitled to vote approximately (i)&nbsp;
1,777,948 shares of GrandSouth common stock, representing approximately 34.0% of the shares of GrandSouth common stock outstanding on
that date, and (ii)&nbsp; 27,087 shares of GrandSouth preferred stock, representing approximately 9.6% of the shares of GrandSouth preferred
stock outstanding on that date. All of the directors and executive officers of GrandSouth have agreed to vote their shares in favor of
the merger agreement and not sell or otherwise dispose their shares, except with the prior approval of First Bancorp;&nbsp;<I>provided</I>&nbsp;that
such support agreements terminate at the effective time of the merger, in the event that the merger agreement is terminated in accordance
with its terms or in the event the GrandSouth board withdraws its recommendation in favor of the merger or approves or recommends an
acquisition proposal from another party. For more information regarding the support agreements, see the section of this proxy statement/prospectus
entitled &ldquo;The Merger Agreement&mdash;Support Agreements&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Opinion of GrandSouth&rsquo;s Financial Advisor
(page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>] and <U>Annex C</U>)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">At
a meeting of the GrandSouth board held on June&nbsp;20, 2022, representatives of Piper Sandler&nbsp;&amp; Co. (which we refer to as &ldquo;Piper
Sandler&rdquo;) rendered Piper Sandler&rsquo;s opinion, as of such date, that, based upon and subject to the qualifications, assumptions
and other matters set forth in its written opinion, the right to receive 0.91 of a share of First Bancorp common stock (which we refer
to as the &ldquo;merger consideration&rdquo;) for each share of GrandSouth common stock in the merger pursuant to the merger agreement
was fair, from a financial point of view, to the holders of GrandSouth common stock (other than extinguished shares and shares of GrandSouth
stock as to which dissenters&rsquo; rights have been perfected). The full text of the written opinion of Piper Sandler, dated June&nbsp;20,
2022, which sets forth, among other things, the various qualifications, assumptions and limitations on the scope of the review undertaken,
is attached as <U>Annex C</U> to this proxy statement/prospectus. Piper Sandler provided its opinion for the information and assistance
of the GrandSouth board (solely in its capacity as such) in connection with, and for purposes of, its consideration of the merger and
its opinion only addresses whether the merger consideration to be received by the holders of the GrandSouth common stock (other than
extinguished shares and shares of GrandSouth stock as to which dissenters&rsquo; rights have been perfected) in the merger pursuant to
the merger agreement was fair, from a financial point of view, to such holders. The opinion of Piper Sandler did not address any other
term or aspect of the merger agreement or the merger contemplated thereby. The Piper Sandler opinion does not constitute a recommendation
to the GrandSouth board or any holder of GrandSouth stock as to how the board, such shareholder or any other person should vote or otherwise
act with respect to the merger or any other matter. For a further discussion of Piper Sandler&rsquo;s opinion, see the section of this
proxy statement/prospectus entitled &ldquo;The Merger<I>&mdash;</I>Opinion of GrandSouth&rsquo;s Financial Advisor&rdquo; beginning </FONT>on
page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>What Holders of GrandSouth Stock Options will
be Entitled to Receive (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At the effective time, any
unvested options to purchase shares of GrandSouth common stock will accelerate under applicable change in control provisions in the GrandSouth
Option Plans and each outstanding and unexercised stock option will convert into an option to acquire First Bancorp common stock, adjusted
based on the 0.91 exchange ratio.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>How the GrandSouth TRUPS will be Treated (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In 2006, GrandSouth issued
$8.2 million in subordinated debentures in connection with the issuance of trust preferred securities by its trust subsidiary, GrandSouth
Capital Trust I (which we refer to as the &ldquo;GrandSouth TRUPS&rdquo;). Immediately prior to and contingent upon the occurrence of
the closing, First Bancorp will assume the GrandSouth TRUPS in accordance with the terms, documents and agreements related thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>How GrandSouth Sub-Debt will be Treated (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In 2018, GrandSouth issued
$10.0 million of fixed-to-floating subordinated debentures (which we refer to as the &ldquo;2018 Sub-Debt&rdquo;) to certain institutional
buyers and accredited investors to enhance the capital structure of GrandSouth Bank. In 2020, GrandSouth issued $18.0 million of fixed-to-floating
subordinated debentures (which we refer to as the &ldquo;2020 Sub-Debt,&rdquo; and together with the 2018 Sub-Debt, the &ldquo;GrandSouth
Sub-Debt&rdquo;) to certain institutional buyers and accredited investors to further enhance the capital structure of GrandSouth Bank.
Immediately prior to and contingent upon the occurrence of the closing, First Bancorp will assume the GrandSouth Sub-Debt in accordance
with the terms, documents and agreements related thereto.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>GrandSouth Will Hold the GrandSouth Special
Meeting on [<FONT STYLE="font-family: Symbol">&middot;</FONT>] (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> The special meeting will
be held on November 8, 2022, at 5:00 p.m. local time, at 381 Halton Road, Greenville, South Carolina 29607. At the special meeting, GrandSouth
shareholders will be asked to approve the merger proposal, approve the merger-related compensation proposal and approve the adjournment
proposal. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> Only holders of record
of GrandSouth stock at the close of business on September 14, 2022, the record date, will be entitled to vote at the special meeting.
Each share of GrandSouth stock is entitled to one vote on each proposal to be considered at the special meeting. As of the record date,
there were 5,222,042 shares of GrandSouth common stock and 282,828 shares of GrandSouth preferred stock entitled to vote at the special
meeting. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> As of the record date,
the directors and executive officers of GrandSouth and their affiliates beneficially owned and were entitled to vote approximately (i)
1,777,948 shares of GrandSouth common stock, representing approximately 34.0% of the shares of GrandSouth common stock outstanding on
that date, and (ii) 27,087 shares of GrandSouth preferred stock, representing approximately 9.6% of the shares of GrandSouth preferred
stock outstanding on that date. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each of the directors and
executive officers of GrandSouth has entered into separate support agreements with First Bancorp, solely in his or her capacity as a
GrandSouth shareholder, pursuant to which they have agreed to vote in favor the merger proposal and against alternative transactions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">To approve the merger proposal,
at least: (i)&nbsp;two-thirds of the outstanding shares of GrandSouth common stock; (ii)&nbsp;two-thirds of the outstanding shares of
GrandSouth preferred stock; and (iii)&nbsp;two-thirds of the outstanding shares of GrandSouth stock, voting together as a single class,
must be voted in favor of such proposal. If you mark &ldquo;ABSTAIN&rdquo; on your proxy, fail to submit a proxy or vote in person at
the special meeting, or fail to instruct your bank or broker how to vote with respect to the merger proposal, it will have the same effect
as a vote &ldquo;AGAINST&rdquo; the proposal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The merger-related compensation
proposal and the adjournment proposal will each be approved if the votes cast at the special meeting, in person or by proxy, in favor
of such proposal exceed the votes cast against the proposal. If you mark &ldquo;ABSTAIN&rdquo; on your proxy, fail to submit a proxy
or vote in person at the special meeting or fail to instruct your bank or broker how to vote with respect to either such proposal, it
will have no effect on the merger-related compensation proposal or the adjournment proposal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>U.S. Federal Income Tax Consequences of the
Merger (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Holders of GrandSouth stock
are not expected to recognize gain or loss for U.S. federal income tax purposes on the exchange of their GrandSouth stock for First Bancorp
common stock in the merger, except with respect to any cash received in lieu of fractional shares of First Bancorp common stock. The
obligations of GrandSouth and First Bancorp to complete the merger are subject to, among other conditions described in this proxy statement/prospectus,
the receipt by each of GrandSouth and First Bancorp of the opinion of First Bancorp&rsquo;s legal counsel or tax accounting firm to the
effect that the merger will be treated as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a)&nbsp;of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Holders of GrandSouth stock
who receive cash as a result of exercising and perfecting their dissenters&rsquo; rights will recognize gain or loss for U.S. federal
income tax purposes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">You should read the section
of this proxy statement/prospectus entitled &ldquo;U.S. Federal Income Tax Consequences of the Merger&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]
for a more complete discussion of the U.S. federal income tax consequences of the merger. Tax matters can be complicated and the tax
consequences of the merger to you will depend on your particular tax situation. You should consult your tax advisor to determine the
tax consequences of the merger to you.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>GrandSouth&rsquo;s Officers and Directors
Have Financial Interests in the Merger that Differ from Your Interests (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth&rsquo;s shareholders
should be aware that GrandSouth&rsquo;s directors and executive officers have interests in the merger and have arrangements that are
different from, or in addition to, those of GrandSouth shareholders generally. The GrandSouth board was aware of these interests and
considered these interests, among other matters, when making its decision to approve the merger agreement, and in recommending that GrandSouth
shareholders vote in favor of approving the merger proposal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The material interests considered
by the GrandSouth board were as follows:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The terms
    of the stock option awards held by GrandSouth directors and executive officers provide for accelerated vesting of the awards following
    a change in control, such as the merger.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">All stock
    option awards held by GrandSouth directors and executive officers, whether vested or unvested, that are outstanding and unexercised
    as of immediately prior to the effective time of the merger will convert to options to acquire shares of First Bancorp common stock,
    adjusted based on the 0.91 exchange ratio.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="text-align: justify"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0">GrandSouth
previously entered into employment agreements with J.B. Schwiers, President and Chief Executive Officer of GrandSouth Bank and President
and Chief Operating Officer of GrandSouth, and another officer of GrandSouth Bank, which entitle each of them to certain payments and
benefits upon a change in control, such as the merger.</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth
    also previously entered into employment agreements with J.B. Garrett, Chief Financial Officer of GrandSouth Bank and GrandSouth,
    and two other officers, which entitle each of them to certain payments and benefits upon a qualifying termination in connection with
    a change in control, such as the merger.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In connection
    with the execution of the merger agreement, First Bancorp and First Bank entered into employment agreement with Mr.&nbsp;Schwiers,
    which entitles him to receive a salary and other benefits during the term of his employment agreement. </FONT>Additionally, First
    Bancorp and First Bank subsequently entered into a consulting agreement with J.B. Garrett, which entitles him to receive consulting
    fees and other benefits during the term of his consulting agreement.</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 48px">&nbsp;</TD>
    <TD STYLE="width: 24px; font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD>
    <TD STYLE="font-size: 10pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current
    GrandSouth directors, Mason Y. Garrett and J. Randolph Potter, will join the boards of First Bancorp and First Bank upon completion
    of the merger. Members of the First Bancorp board are expected to receive compensation consistent with the compensation paid to current
    non-employee directors of First Bancorp, as described in the <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000110465922036441/tm228871-2_def14a.htm" STYLE="-sec-extract: exhibit">definitive proxy statement for First Bancorp&rsquo;s 2022 annual meeting of shareholders, which was filed with the SEC on March&nbsp;22, 2022</A>, and is incorporated by reference into this proxy statement/prospectus.
    For 2022, such compensation included an annual cash retainer fee of $32,000 and a grant of shares of First Bancorp common stock with
    a value of approximately $32,000. </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the assumptions
and limitations discussed in this proxy statement/prospectus under the section &ldquo;The Merger&mdash;Merger-Related Compensation for
GrandSouth&rsquo;s Executive Officers,&rdquo; and assuming the effective time of the merger occurred on September&nbsp;30, 2022, the
aggregate value of the benefits and amounts that would be received by GrandSouth&rsquo;s executive and non-executive officers as a consequence
of the merger is approximately $6.45&nbsp;million. Of this amount, each of GrandSouth&rsquo;s executive officers would be entitled to
receive the following approximate amounts, Mason Y. Garrett &ndash; $0; J.B. Schwiers &ndash; $2,553,422 and J.B. Garrett &ndash; $1,029,638.
For a more complete description of these interests, see the section of this proxy statement/prospectus entitled &ldquo;The Merger&mdash;Interests
of GrandSouth&rsquo;s Directors and Executive Officers in the Merger&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>GrandSouth Shareholders Have Dissenters&rsquo;
Rights (see page&nbsp;[&#9679;])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth shareholders are
entitled to exercise dissenters&rsquo; rights with respect to the merger and, if the merger is completed and they perfect their dissenters&rsquo;
rights, to receive payment in cash for the &ldquo;fair value&rdquo; of their shares of GrandSouth stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Conditions that Must Be Satisfied or Waived
for the Merger To Occur (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> Currently, GrandSouth
and First Bancorp expect to complete the merger in the fourth quarter of 2022 or the first quarter of 2023. As more fully described in
this proxy statement/prospectus and in the merger agreement, the completion of the merger depends on a number of conditions being satisfied
or, where legally permissible, waived. These conditions include (i)&nbsp;approval of the merger agreement by GrandSouth&rsquo;s shareholders,
(ii)&nbsp;authorization for listing on the NASDAQ GSM of the shares of First Bancorp common stock to be issued in the merger, (iii)&nbsp;the
receipt of required regulatory approvals, including the approval of the Board of Governors of the Federal Reserve System (which we refer
to as the &ldquo;Federal Reserve Board&rdquo;), the Office of the Commissioner of Banks of the State of North Carolina (which we refer
to as the &ldquo;NC Commissioner&rdquo;), and the South Carolina State Board of Financial Institutions (which we refer to as the &ldquo;SCBFI&rdquo;),
(iv)&nbsp;effectiveness of the registration statement of which this proxy statement/prospectus is a part, (v)&nbsp;the absence of any
order, injunction or other legal restraint preventing the completion of the merger or making the completion of the merger illegal, (vi)&nbsp;subject
to the materiality standards provided in the merger agreement, the accuracy of the representations and warranties of First Bancorp and
GrandSouth in the merger agreement, (vii)&nbsp;performance in all material respects by each of First Bancorp and GrandSouth of its obligations
under the merger agreement, (viii)&nbsp;immediately prior to the closing, not more than 15% of the shares of GrandSouth stock will be
held by shareholders who have exercised, or are then entitled to exercise, dissenters&rsquo; rights, and (ix)&nbsp;receipt by each of
First Bancorp and GrandSouth of an opinion from First Bancorp&rsquo;s legal counsel or tax accounting firm as to certain tax matters. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither GrandSouth nor First
Bancorp can be certain when, or if, the conditions to the merger will be satisfied or waived, or that the merger will be completed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Termination of the Merger Agreement (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The merger agreement can
be terminated at any time prior to completion of the merger in the following circumstances:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">by
                                            mutual written agreement of First Bancorp and GrandSouth;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">by
                                            either party, in the event of a breach by the other party of any representation or warranty
                                            contained in the merger agreement which breach cannot be or has not been cured within 30
                                            days after the giving of written notice of the breach and which breach is reasonably likely,
                                            in the opinion of the non-breaching party, to permit such party to refuse to consummate the
                                            transactions contemplated by the merger agreement due to the breaching party&rsquo;s representations
                                            and warranties being inaccurate as of the effective date or due to the breaching party&rsquo;s
                                            failure to perform or comply in all material respects with all agreements and covenants required
                                            by the merger agreement; provided, that the terminating party is not then in material breach
                                            of any representation, warranty, covenant or other agreement contained in the merger agreement;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">by
                                            either party, if any required regulatory approval has been denied by final, non-appealable
                                            action of such authority, any regulatory authority whose approval is required for the consummation
                                            of the merger requests or directs First Bancorp or GrandSouth in writing to withdraw its
                                            application for approval of the merger, any law or order permanently restraining, enjoining
                                            or otherwise prohibiting the consummation of the merger shall have become final and non-appealable,
                                            or the approval of the GrandSouth shareholders of the merger agreement is not obtained at
                                            the special meeting of GrandSouth shareholders;</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">by
                                            either party, if the merger has not occurred on or before May&nbsp;30, 2023; provided, that
                                            the failure to consummate the merger is not caused by a breach of the merger agreement by
                                            the terminating party;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">by
                                            First Bancorp, if: (A)&nbsp;the GrandSouth board fails to recommend to GrandSouth&rsquo;s
                                            shareholders that they approve the merger agreement; (B)&nbsp;the GrandSouth board has approved,
                                            recommended, or proposed publicly to approve or recommend, an acquisition proposal by an
                                            entity other than First Bancorp; (C)&nbsp;the GrandSouth board fails to reaffirm its recommendation
                                            that GrandSouth&rsquo;s shareholders approve the merger agreement following receipt of an
                                            acquisition proposal by an entity other than First Bancorp and within ten business days of
                                            First Bancorp&rsquo;s request that it reaffirm such recommendation; or (D)&nbsp;GrandSouth
                                            fails to comply in all material respects with its non-solicitation and shareholder meeting
                                            obligations under the merger agreement; provided, that First Bancorp is not then in material
                                            breach of any representation, warranty, covenant or other agreement contained in the merger
                                            agreement; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">by
                                            GrandSouth, prior to approval of the merger agreement by GrandSouth&rsquo;s shareholders,
                                            in order to accept an acquisition proposal from a third party involving the acquisition of
                                            a majority of the outstanding equity interests in, or all or substantially all of the assets
                                            and liabilities of GrandSouth with respect to which the GrandSouth board has determined in
                                            good faith that such proposal, if accepted, is reasonably likely to be consummated on a timely
                                            basis, and that such proposal is more favorable to GrandSouth&rsquo;s shareholders than the
                                            merger with First Bancorp; provided GrandSouth has complied in all material respects with
                                            its non-solicitation and shareholder meeting obligations under the merger agreement.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Termination Fee (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the merger agreement is
terminated under certain circumstances, including circumstances involving alternative acquisition proposals with respect to GrandSouth,
or changes in the recommendation of the GrandSouth board, GrandSouth may be required to pay to First Bancorp a termination fee equal
to $7.2 million (which we refer to as the &ldquo;termination fee&rdquo;). The termination fee could discourage other companies from seeking
to acquire or merge with GrandSouth.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Regulatory Approvals Required for the Merger
(page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the terms of the
merger agreement, GrandSouth and First Bancorp have agreed to cooperate with each other and use their commercially reasonable efforts
to promptly obtain all regulatory approvals necessary or advisable to complete the transactions contemplated by the merger agreement.
These approvals include approvals from, among others, the Federal Reserve Board, the NC Commissioner, and the SCBFI.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Although neither GrandSouth
nor First Bancorp knows of any reason why they cannot obtain these regulatory approvals in a timely manner, GrandSouth and First Bancorp
cannot be certain when or if they will be obtained.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>The Rights of GrandSouth Shareholders Will
Change as a Result of the Merger (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The rights of GrandSouth
shareholders will change as a result of the merger due to differences in First Bancorp&rsquo;s and GrandSouth&rsquo;s governing documents.
The rights of GrandSouth shareholders are governed by GrandSouth&rsquo;s articles of incorporation and bylaws. Upon the completion of
the merger, GrandSouth shareholders will become shareholders of First Bancorp, as the surviving entity in the merger, and the rights
of GrandSouth shareholders will therefore be governed by First Bancorp&rsquo;s articles of incorporation and bylaws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">See &ldquo;Comparison of
Shareholders&rsquo; Rights&rdquo; for a description of the material differences in shareholders&rsquo; rights under each of the First
Bancorp and GrandSouth governing documents.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Information About the Companies (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><I>First Bancorp</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp is the fourth
largest bank holding company headquartered in North Carolina. At June&nbsp;30, 2022, First Bancorp had total consolidated assets of approximately
$10.6 billion, total loans of approximately $6.2 billion, total deposits of approximately $9.4 billion, and shareholders&rsquo; equity
of approximately $1.1 billion. First Bancorp&rsquo;s principal activity is the ownership and operation of First Bank, a state-chartered
bank with its main office in Southern Pines, North Carolina.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bank was organized
in 1934 and began banking operations in 1935 as the Bank of Montgomery, named for the county in which it operated. Until 2013, First
Bank&rsquo;s main office was in Troy, North Carolina. In September&nbsp;2013, First Bancorp and First Bank moved their main offices approximately
45 miles to Southern Pines, North Carolina, in Moore County. First Bank conducts business from 108 branches covering a geographical area
from Florence, South Carolina to the south, to Wilmington, North Carolina to the east, to Kill Devil Hills, North Carolina to the northeast,
to Mayodan, North Carolina to the north, and to Asheville, North Carolina to the west. Of the bank&rsquo;s 108 branches, 102 branches
are in North Carolina and six branches are in South Carolina. Ranked by assets, First Bank was the fourth largest bank headquartered
in North Carolina as of June&nbsp;30, 2022.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bank has three wholly
owned subsidiaries, SBA Complete,&nbsp;Inc. (&ldquo;SBA Complete&rdquo;), Magnolia Financial,&nbsp;Inc. (&ldquo;Magnolia Financial&rdquo;)
and First Troy SPE, LLC (&ldquo;First Troy&rdquo;). SBA Complete specializes in providing consulting services for financial institutions
across the country related to Small Business Administration (&ldquo;SBA&rdquo;) loan origination and servicing. Magnolia Financial is
a business financing company that offers accounts receivable financing and factoring, inventory financing, and purchase order financing
throughout the southeastern United States. First Troy is a holding company for foreclosed properties.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp&rsquo;s common
stock trades on the NASDAQ GSM under the ticker symbol &ldquo;FBNC&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Bancorp and First Bank&rsquo;s principal executive offices are located at 300 SW Broad Street, Southern Pines, North Carolina, 28387,
and their telephone number is (910) 246-2500. First Bank&rsquo;s website is located at <U>www.localfirstbank.com</U></FONT>. Information
on First Bank&rsquo;s website is not incorporated into this document by reference and is not a part hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Additional information about
First Bancorp and its subsidiaries is included in documents incorporated by reference in this proxy statement/prospectus. See the sections
of this proxy statement/prospectus entitled &ldquo;Information About First Bancorp&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>] and &ldquo;Where
You Can Find More Information&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><I>GrandSouth</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth is the 10<SUP>th
</SUP>largest bank holding company headquartered in South Carolina.&nbsp; At June&nbsp;30, 2022, GrandSouth had total consolidated assets
of approximately $1.3 billion, total loans of approximately $1.0 billion, total deposits of approximately $1.1 billion, and shareholders&rsquo;
equity of approximately $96.1 million. GrandSouth&rsquo;s principal activity is the ownership and operation of GrandSouth Bank, a state-chartered
bank with its main office in Greenville, South Carolina.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth Bank was organized
and commenced operations in 1998. In addition to traditional commercial banking business, GrandSouth Bank provides specialty floor plan
lending to small auto dealerships through a separate division of the bank under the trade name &ldquo;CarBucks.&rdquo; GrandSouth Bank
has eight branch offices located across South Carolina. Ranked by assets, GrandSouth Bank was the 10<SUP>th</SUP> largest bank headquartered
in South Carolina as of June&nbsp;30, 2022.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth&rsquo;s common
stock is quoted on the OTCQX under the ticker symbol &ldquo;GRRB&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth
and GrandSouth Bank&rsquo;s principal executive offices are located at 381 Halton Road, Greenville, South Carolina 29607, and their telephone
number is (864) 770-1009. GrandSouth Bank&rsquo;s website is located at <U>www.grandsouth.com</U></FONT>.&nbsp; Information on GrandSouth
Bank&rsquo;s website is not incorporated into this document by reference and is not a part hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Additional
information about GrandSouth and its subsidiaries is included in documents incorporated by reference in this proxy statement/prospectus.
See the sections of this proxy statement/prospectus entitled &ldquo;Information About GrandSouth&rdquo; beginning on page&nbsp;[</FONT><FONT STYLE="font-family: Symbol">&middot;</FONT>]
and &ldquo;Where You Can Find More Information&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Risk Factors (page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>])</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">You should consider all the
information contained in or incorporated by reference into this proxy statement/prospectus in deciding how to vote for the proposals
presented in this proxy statement/prospectus. In particular, you should consider the factors described under &ldquo;Risk Factors&rdquo;
beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><A NAME="b_003"></A><B>RISK
FACTORS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>In addition to general
investment risks and the other information contained in or incorporated by reference into this proxy statement/prospectus, including
the matters addressed under the section &ldquo;Cautionary Statement Regarding Forward-Looking Statements&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]
you should carefully consider the following risk factors in deciding how to vote for the proposals presented in this proxy statement/prospectus.
You should also consider the other information in this proxy statement/prospectus and the other documents incorporated by reference into
this proxy statement/prospectus. See the section of this proxy statement/prospectus entitled &ldquo;Where You Can Find More Information&rdquo;
beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Because the market price of First Bancorp
common stock will fluctuate, GrandSouth shareholders cannot be certain of the market value of the merger consideration they will be entitled
to receive.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the merger is completed,
each share of GrandSouth stock, except for certain shares of GrandSouth common stock owned by GrandSouth or First Bancorp and shares
of GrandSouth stock as to which dissenters&rsquo; rights have been perfected, will be converted into the right for each GrandSouth shareholder
to receive a number of shares of First Bancorp common stock equal to the 0.91 exchange ratio multiplied by the number of such shares
of GrandSouth stock held by such GrandSouth shareholder immediately prior to the effective time and an amount of cash in lieu of any
fraction of a share of First Bancorp common stock. The market value of the merger consideration will vary from the closing price of First
Bancorp common stock on the date First Bancorp and GrandSouth announced the merger, on the date that this proxy statement/prospectus
is mailed to GrandSouth shareholders, on the date of the special meeting and on the date the merger is completed and thereafter. Any
change in the market price of First Bancorp common stock prior to the completion of the merger will affect the market value of the merger
consideration that GrandSouth shareholders will be entitled to receive upon completion of the merger, and there will be no adjustment
to the merger consideration for changes in the market price of either shares of First Bancorp common stock or shares of GrandSouth stock.
Stock price changes may result from a variety of factors that are beyond the control of First Bancorp and GrandSouth, including, but
not limited to, general market and economic conditions, changes in our respective businesses, operations and prospects and regulatory
considerations. Therefore, at the time of the special meeting you will not know the precise market value of the consideration you will
be entitled to receive at the effective time. You should obtain current market quotations for shares of First Bancorp common stock and
for shares of GrandSouth stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>The market price of First Bancorp common
stock after the merger may be affected by factors different from those affecting the shares of GrandSouth or First Bancorp currently.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Upon completion of the merger,
GrandSouth shareholders will become First Bancorp shareholders. First Bancorp&rsquo;s business differs in important respects from that
of GrandSouth, and, accordingly, the results of operations of the combined company and the market price of First Bancorp common stock
after the completion of the merger may be affected by factors different from those currently affecting the independent results of operations
of each of First Bancorp and GrandSouth. For a discussion of the businesses of First Bancorp and GrandSouth and of some important factors
to consider in connection with those businesses, see the documents incorporated by reference in this proxy statement/prospectus and referred
to under &ldquo;Where You Can Find More Information.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Regulatory approvals may not be received,
may take longer than expected or may impose conditions that are not presently anticipated or that could have an adverse effect on the
combined company following the merger.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Before the merger and the
bank merger may be completed, First Bancorp and GrandSouth must obtain approvals from the Federal Reserve Board, the NC Commissioner,
and the SCBFI Other approvals, waivers or consents from regulators may also be required. In determining whether to grant these approvals
the regulators consider a variety of factors, including the regulatory standing of each party and the factors described under the section
of this proxy statement/prospectus entitled &ldquo;The Merger&mdash;Regulatory Approvals Required for the Completion of the Merger&rdquo;
beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]. An adverse development in either party&rsquo;s regulatory standing or these factors could result in
an inability to obtain approval or delay their receipt. These regulators may impose conditions on the completion of the merger or the
bank merger or require changes to the terms of the merger or the bank merger. Such conditions or changes could have the effect of delaying
or preventing completion of the merger or the bank merger or imposing additional costs on or limiting the revenues of the combined company
following the merger and the bank merger, any of which might have an adverse effect on the combined company following the merger. For
more information, see the section of this proxy statement/prospectus entitled &ldquo;The Merger&mdash;Regulatory Approvals Required for
the Merger&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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



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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Combining the two companies may be more
difficult, costly or time consuming than expected and the anticipated benefits and cost savings of the merger may not be realized.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp and GrandSouth
have operated and, until the completion of the merger, will continue to operate, independently. The success of the merger, including
anticipated benefits and cost savings, will depend, in part, on First Bancorp&rsquo;s ability to successfully combine and integrate the
businesses of First Bancorp and GrandSouth in a manner that permits growth opportunities and does not materially disrupt existing customer
relationships nor result in decreased revenues due to loss of customers. It is possible that the integration process could result in
the loss of key employees, the disruption of either company&rsquo;s ongoing businesses or inconsistencies in standards, controls, procedures
and policies that adversely affect the combined company&rsquo;s ability to maintain relationships with clients, customers, depositors
and employees or to achieve the anticipated benefits and cost savings of the merger. The loss of key employees could adversely affect
First Bancorp&rsquo;s ability to successfully conduct its business, which could have an adverse effect on First Bancorp&rsquo;s financial
results and the value of its common stock. If First Bancorp experiences difficulties with the integration process, the anticipated benefits
of the merger may not be realized fully or at all, or may take longer to realize than expected. As with any merger of financial institutions,
there also may be business disruptions that cause First Bancorp and/or GrandSouth to lose customers or cause customers to remove their
accounts from First Bancorp and/or GrandSouth and move their business to competing financial institutions. Integration efforts between
the two companies will also divert management attention and resources. These integration matters could have an adverse effect on each
of GrandSouth and First Bancorp during this transition period and for an undetermined period after completion of the merger on the combined
company. In addition, the actual cost savings of the merger could be less than anticipated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>The unaudited pro forma condensed combined
financial statements included in this document are preliminary and the actual financial condition and results of operations after the
merger may differ materially.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The unaudited pro forma condensed
combined financial statements in this proxy statement/prospectus are presented for illustrative purposes only and are not necessarily
indicative of what First Bancorp&rsquo;s actual financial condition or results of operations would have been had the merger been completed
on the dates indicated. The unaudited pro forma condensed combined financial statements reflect adjustments to illustrate the effect
of the merger had it been completed on the dates indicated, which are based upon preliminary estimates, to record the GrandSouth identifiable
assets acquired and liabilities assumed at fair value and the resulting goodwill recognized. The purchase price allocation for the merger
reflected in this proxy statement/prospectus is preliminary, and final allocation of the purchase price will be based upon the actual
purchase price and the fair value of the assets and liabilities of GrandSouth as of the date of the completion of the merger. Accordingly,
the final acquisition accounting adjustments may differ materially from the transaction accounting adjustments reflected in this proxy
statement/prospectus. For more information, see the section of this proxy statement/prospectus entitled &ldquo;Unaudited Pro Forma Condensed
Combined Financial Statements&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>GrandSouth&rsquo;s directors and executive
officers have interests in the merger that may differ from the interests of GrandSouth&rsquo;s shareholders.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth&rsquo;s shareholders
should be aware that GrandSouth&rsquo;s directors and executive officers have interests in the merger and have arrangements that are
different from, or in addition to, those of GrandSouth shareholders generally. The GrandSouth board was aware of these interests and
considered these interests, among other matters, when making its decision to approve the merger agreement, and in recommending that GrandSouth
shareholders vote in favor of the merger proposal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The material interests considered
by the GrandSouth board were as follows:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">The
                                            terms of the stock options held by GrandSouth directors and executive officers provide for
                                            accelerated vesting of the stock options following a change in control, such as the merger.</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">All
                                            stock options held by GrandSouth directors and executive officers, whether vested or unvested,
                                            that are outstanding and unexercised as of immediately prior to the effective time of the
                                            merger will convert to options to acquire shares of First Bancorp common stock, adjusted
                                            based on the 0.91 exchange ratio.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">GrandSouth
                                            previously entered into employment agreements with five of its officers, which entitle two
                                            of them to certain payments and benefits upon a change in control such as the merger; and
                                            entitle the three officers to certain payments and benefits upon a qualifying termination
                                            in connection with a change in control such as the merger.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">In
                                            connection with the execution of the merger agreement, First Bancorp and First Bank entered
                                            into an employment agreement with Mr.&nbsp;Schwiers, which entitles him to receive a salary
                                            and other benefits during the term of his employment agreement. Additionally, First Bancorp
                                            and First Bank entered into a consulting agreement with J.B. Garrett, which entitles him
                                            to receive consulting fees and other benefits during the term of his consulting agreement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="text-align: justify; width: 0.5in"></TD><TD STYLE="text-align: justify; width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">Current
                                            GrandSouth directors, Mason Y. Garrett and J. Randolph Potter, will join the boards of First
                                            Bancorp and First Bank upon completion of the merger. Members of the First Bancorp board
                                            are expected to receive compensation consistent with the compensation paid to current non-employee
                                            directors of First Bancorp, as described in the <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000110465922036441/tm228871-2_def14a.htm" STYLE="-sec-extract: exhibit">definitive proxy statement for First Bancorp&rsquo;s 2022 annual meeting of shareholders, which was filed with the SEC on March&nbsp;22, 2022</A>,
                                            and is incorporated by reference into this proxy statement/prospectus. For 2022, such compensation
                                            included an annual cash retainer fee of $32,000 and a grant of shares of First Bancorp common
                                            stock with a value of approximately $32,000.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For a more complete description
of these interests, see the section of this proxy statement/prospectus entitled &ldquo;The Merger&mdash;Interests of GrandSouth&rsquo;s
Directors and Executive Officers in the Merger&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Termination of the merger agreement could
negatively impact GrandSouth or First Bancorp.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the merger agreement is
terminated, there may be various consequences. For example, GrandSouth&rsquo;s or First Bancorp&rsquo;s businesses may have been impacted
adversely by the failure to pursue other beneficial opportunities due to the focus of management on the merger, without realizing any
of the anticipated benefits of completing the merger. Additionally, if the merger agreement is terminated, the market price of GrandSouth&rsquo;s
or First Bancorp&rsquo;s common stock could decline to the extent that the current market prices reflect a market assumption that the
merger will be completed. If the merger agreement is terminated under certain circumstances, GrandSouth may be required to pay to First
Bancorp a termination fee of $7.2 million.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>GrandSouth and First Bancorp will be subject
to business uncertainties and contractual restrictions while the merger is pending.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Uncertainty about the effect
of the merger on employees and customers may have an adverse effect on GrandSouth or First Bancorp. These uncertainties may impair GrandSouth&rsquo;s
or First Bancorp&rsquo;s&nbsp;ability to attract, retain and motivate key personnel until the merger is completed, and could cause customers
and others that deal with GrandSouth or First Bancorp to seek to change existing business relationships with GrandSouth or First Bancorp.
Retention of certain employees by GrandSouth or First Bancorp may be challenging while the merger is pending, as certain employees may
experience uncertainty about their future roles with First Bancorp. If key employees depart because of issues relating to the uncertainty
and difficulty of integration or a desire not to remain with GrandSouth or First Bancorp, GrandSouth&rsquo;s business or First Bancorp&rsquo;s
business could be harmed. In addition, subject to certain exceptions, GrandSouth has agreed to operate its business in the ordinary course
prior to closing, and each of GrandSouth and First Bancorp has agreed to certain restrictive covenants. See the section of this proxy
statement/prospectus entitled &ldquo;The Merger Agreement&mdash; Conduct of Business of GrandSouth Pending Closing&rdquo; beginning on
page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>] for a description of the restrictive covenants applicable to GrandSouth and First Bancorp.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>If the merger is not completed, First Bancorp
and GrandSouth will have incurred substantial expenses without realizing the expected benefits of the merger.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each of First Bancorp and
GrandSouth has incurred and will incur substantial expenses in connection with the negotiation and completion of the transactions contemplated
by the merger agreement, as well as the costs and expenses of filing, printing and mailing this proxy statement/prospectus and all filing
and other fees paid to the SEC in connection with the merger. If the merger is not completed, First Bancorp and GrandSouth would have
to recognize these expenses without realizing the expected benefits of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>The merger agreement limits GrandSouth&rsquo;s
ability to pursue acquisition proposals and requires GrandSouth to pay a termination fee of $7.2 million under limited circumstances,
including circumstances relating to acquisition proposals for GrandSouth. Additionally, certain provisions of GrandSouth&rsquo;s articles
of incorporation and bylaws may deter potential acquirers.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> The merger agreement prohibits
GrandSouth from initiating, soliciting, knowingly encouraging or knowingly facilitating certain third-party acquisition proposals. See
the section of this proxy statement/prospectus entitled &ldquo;The Merger Agreement&mdash;Agreement Not to Solicit Other Offers&rdquo;
beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]. In addition, unless the merger agreement has been terminated
in accordance with its terms, GrandSouth has an unqualified obligation to submit the merger proposal to a vote by GrandSouth shareholders,
even if GrandSouth receives a proposal that the GrandSouth board believes is superior to the merger. See the section of this proxy statement/prospectus
entitled &ldquo;The Merger Agreement&mdash;Shareholder Meeting and Recommendation of the Board of Directors of GrandSouth&rdquo; beginning
on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]. The merger agreement also provides that GrandSouth must pay a termination
fee in the amount of $7.2 million in the event that the merger agreement is terminated under certain circumstances, including involving
GrandSouth&rsquo;s failure to abide by certain obligations not to solicit acquisition proposals. See the section of this proxy statement/prospectus
entitled &ldquo;The Merger Agreement&mdash;Termination Fee&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].
These provisions might discourage a potential competing acquirer that might have an interest in acquiring all or a significant part of
GrandSouth from considering or proposing such an acquisition. Each director and executive officer of GrandSouth, solely in his or her
capacity as a GrandSouth shareholder, has entered into separate support agreements and has agreed to vote his or her shares of GrandSouth
common stock in favor of the merger agreement and certain related matters and against alternative transactions. The GrandSouth shareholders
that are party to these support agreements beneficially own and are entitled to vote in the aggregate approximately 18.48% of the outstanding
shares of GrandSouth common stock and 6.42% of the outstanding shares of GrandSouth preferred stock, each as of the record date. See
the section of this proxy statement/prospectus entitled &ldquo;The Merger Agreement&mdash;Support Agreements&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>The shares of First Bancorp common stock
to be received by GrandSouth shareholders as a result of the merger will have different rights from the shares of GrandSouth common stock.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Upon completion of the merger,
GrandSouth shareholders will become First Bancorp shareholders and their rights as shareholders will be governed by the North Carolina
Business Corporation Act (which we refer to as the &ldquo;NCBCA&rdquo;) and the First Bancorp articles of incorporation and bylaws. The
rights associated with GrandSouth stock are different from the rights associated with First Bancorp common stock. See the section of
this proxy statement/prospectus entitled &ldquo;Comparison of Shareholders&rsquo; Rights&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>] for a
discussion of the different rights associated with First Bancorp common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Holders of GrandSouth and First Bancorp
common stock will have a reduced ownership and voting interest after the merger and will exercise less influence over management.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> Holders of GrandSouth
stock currently have the right to vote in the election of the board of directors and on other matters affecting GrandSouth. Upon the
completion of the merger, each GrandSouth shareholder who receives shares of First Bancorp common stock will become a First Bancorp shareholder
with a percentage ownership of First Bancorp that is smaller than the shareholder&rsquo;s percentage ownership of GrandSouth. It is currently
expected that the former GrandSouth shareholders as a group will receive shares in the merger constituting approximately 12.3% of the
outstanding shares of First Bancorp common stock immediately after the merger. As a result, current First Bancorp shareholders as a group
will own approximately 87.7% of the outstanding shares of First Bancorp common stock immediately after the merger. Because of this, GrandSouth
shareholders will have less influence on the management and policies of First Bancorp than they now have on the management and policies
of GrandSouth. Effective as of the effective time, First Bancorp will increase the size of the First Bancorp board to 16 members and
appoint two current members of the GrandSouth board to the boards of directors of First Bancorp and First Bank for the period until the
next annual meeting of First Bancorp shareholders. </P>

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



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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin: 0pt 0"><B><I>The merger may fail to qualify as a reorganization
for federal income tax purposes, resulting in a GrandSouth shareholder&rsquo;s recognition of taxable gain or loss in respect of all
of his or her shares of GrandSouth stock.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Bancorp and GrandSouth intend for the merger to qualify as a reorganization within the meaning of Section&nbsp;368(a)&nbsp;of the Code.
We will not ask the Internal Revenue Service </FONT>(which we refer to as the &ldquo;IRS&rdquo;) to provide a ruling on the matter. First
Bancorp and GrandSouth will, as a condition to closing, obtain an opinion from First Bancorp&rsquo;s legal counsel or tax accounting
firm that the merger will constitute a reorganization for federal income tax purposes. However, this opinion will not bind the IRS or
prevent the IRS from adopting a contrary position. If the merger fails to qualify as a reorganization, GrandSouth shareholders generally
would recognize gain or loss on all shares of GrandSouth common stock exchanged in the merger. For each share, the gain or loss recognized
would be an amount equal to the difference between the shareholder&rsquo;s adjusted tax basis in that share and the fair market value
of the First Bancorp common stock and/or the amount of any cash received in exchange for that share upon completion of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>There are certain risks relating to First
Bancorp&rsquo;s business.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">You should read and consider
risk factors specific to First Bancorp&rsquo;s business that will also affect the combined company after the merger. These risks are
described in the section entitled &ldquo;Risk Factors&rdquo; in First Bancorp&rsquo;s <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000010/fbnc-20211231.htm" STYLE="-sec-extract: exhibit">Annual Report on Form&nbsp;10-K for the fiscal year ended December&nbsp;31, 2021</A> and in other documents incorporated by reference into this document. See &ldquo;Where You Can Find
More Information&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>] for the location of information incorporated by reference into this document.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><A NAME="b_004"></A><B>CAUTIONARY
STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Some of the statements contained
or incorporated by reference in this proxy statement/prospectus are forward looking statements within the meaning of the Private Securities
Litigation Reform Act of 1995 giving First Bancorp&rsquo;s and GrandSouth&rsquo;s expectations or predictions of future financial or
business performance or conditions. Forward-looking statements are typically identified by words such as &ldquo;believe,&rdquo; &ldquo;expect,&rdquo;
 &ldquo;anticipate,&rdquo; &ldquo;intend,&rdquo; &ldquo;target,&rdquo; &ldquo;estimate,&rdquo; &ldquo;continue,&rdquo; &ldquo;positions,&rdquo;
 &ldquo;prospects&rdquo; or &ldquo;potential,&rdquo; by future conditional verbs such as &ldquo;will,&rdquo; &ldquo;would,&rdquo; &ldquo;should,&rdquo;
 &ldquo;could&rdquo; or &ldquo;may,&rdquo; or by variations of such words or by similar expressions. Such forward-looking statements include,
but are not limited to, statements about the benefits of the business combination transaction involving First Bancorp and GrandSouth,
including future financial and operating results, expected cost savings, expected impact on future earnings, the combined company&rsquo;s
plans, objectives, expectations and intentions and other statements that are not historical facts. These forward-looking statements are
subject to numerous assumptions, risks and uncertainties which change over time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition to factors previously
disclosed in First Bancorp&rsquo;s and GrandSouth&rsquo;s reports filed with the SEC, the following factors, among others, could cause
actual results to differ materially from forward-looking statements: ability to obtain regulatory approvals and meet other closing conditions
to the merger, including approval by GrandSouth shareholders, on the expected terms and schedule; delay in closing the merger; difficulties
and delays in integrating the First Bancorp and GrandSouth businesses or fully realizing cost savings and other benefits; business disruption
following the proposed transaction; changes in asset quality and credit risk; the inability to sustain revenue and earnings growth; changes
in interest rates and capital markets; inflation; customer borrowing, repayment, investment and deposit practices; customer disintermediation;
the introduction, withdrawal, success and timing of business initiatives; competitive conditions; the inability to realize cost savings
or revenues or to implement integration plans and other consequences associated with mergers, acquisitions and divestitures; economic
conditions; the reaction to the transaction of the companies&rsquo; customers, employees and counterparties; and the impact, extent and
timing of technological changes, capital management activities, and other actions of the Federal Reserve Board and legislative and regulatory
actions and reforms.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Annualized, pro forma, projected
and estimated numbers are used for illustrative purpose only, are not forecasts and may not reflect actual results.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For any forward-looking statements
made in this proxy statement/prospectus or in any documents incorporated by reference into this proxy statement/prospectus, First Bancorp
and GrandSouth claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation
Reform Act of 1995. You are cautioned not to place undue reliance on these statements, which speak only as of the date of this proxy
statement/prospectus or the date of the applicable document incorporated by reference in this proxy statement/prospectus. First Bancorp
and GrandSouth do not undertake to update forward-looking statements to reflect facts, circumstances, assumptions or events that occur
after the date the forward- looking statements are made. All subsequent written and oral forward-looking statements concerning the merger
or other matters addressed in this proxy statement/prospectus and attributable to First Bancorp, GrandSouth or any person acting on their
behalf are expressly qualified in their entirety by the cautionary statements contained or referred to in this proxy statement/prospectus.</P>

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

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

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

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

<!-- Field: Split-Segment; Name: a2 -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="c_001"></A><B>UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL
STATEMENTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The accompanying unaudited
pro forma condensed combined financial statements present the pro forma consolidated financial position and results of operations of
First Bancorp following the completion of the merger. The unaudited pro forma condensed combined financial statements are based upon
the historical financial statements of First Bancorp and GrandSouth, as applicable, after giving effect to the merger and adjustments
described in the footnotes following the proforma financial statements, and are intended to reflect the impact of the proposed merger
on First Bancorp.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The accompanying unaudited
pro forma condensed combined financial statements are presented for illustrative purposes only and do not reflect the realization of
potential cost savings, revenue synergies or any potential restructuring costs. Certain cost savings and revenue synergies may result
from the merger. However, there can be no assurance that these cost savings or revenue synergies will be achieved. Cost savings, if achieved,
could result from, among other things, the reduction of operating expenses, changes in corporate infrastructure and governance, the elimination
of duplicative operating systems, and the combination of regulatory and financial reporting requirements under one bank. The pro forma
information is not necessarily indicative of what the financial position or results of operations actually would have been had the merger
been completed at the dates indicated. In addition, the unaudited pro forma combined financial information does not purport to project
the future financial position or operating results of the combined company after completion of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The unaudited pro forma condensed
combined balance sheet relating to the merger reflect the merger as if it had been consummated on June&nbsp;30, 2022 and includes transaction
accounting adjustments for preliminary valuations of certain tangible and intangible assets by First Bancorp management pursuant to certain
purchase accounting guidance. These adjustments are subject to further revision upon completion of the contemplated transaction and related
intangible asset valuations. The merger will be accounted for using the acquisition method of accounting, in accordance with the provisions
of FASB ASC Topic 805-10, Business Combinations. See &ldquo;Accounting Treatment&rdquo; beginning on page&nbsp;[&mdash;] of this proxy
statement/prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The unaudited pro forma condensed
combined statements of operations reflect the merger as if it had been consummated on January&nbsp;1, 2021 and combine First Bancorp&rsquo;s
historical results for the six months ended June&nbsp;30, 2022 and the year ended December&nbsp;31, 2021 with GrandSouth&rsquo;s historical
results for the same periods. In addition, the pro forma condensed combined statements of operations reflect First Bancorp&rsquo;s acquisition
of Select Bancorp,&nbsp;Inc. (&ldquo;Select Bancorp&rdquo;) which was completed on October&nbsp;15, 2021, as if it had been consummated
on January&nbsp;1, 2021.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Transaction Accounting Adjustments</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Transaction accounting adjustments
are necessary to reflect the estimated purchase price of GrandSouth, including issuance of newly issued shares of our common stock pursuant
to the merger, amounts related to GrandSouth&rsquo;s net tangible and intangible assets at an amount equal to the preliminary estimate
of their fair values, along with the amortization expense related to the estimated identifiable intangible assets, amortization expense
resulting from the estimated fair value adjustments to net tangible assets, and to reflect the income tax effect related to the transaction
accounting adjustments. Transaction accounting adjustments are included only to the extent they are (i)&nbsp;directly attributable to
the acquisition, (ii)&nbsp;factually supportable, (iii)&nbsp;with respect to the unaudited pro forma combined condensed consolidated
statement of income, expected to have a continuing impact on the combined results.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> The transaction adjustments
reflecting the completion of the merger is based upon the acquisition method of accounting in accordance with Section&nbsp;805 of the
FASB Codification and upon the assumptions set forth in the notes to the unaudited pro forma condensed combined financial statements.
The unaudited pro forma condensed combined balance sheet has been adjusted to reflect the preliminary allocation of the estimated purchase
price to identifiable net assets acquired. The estimated purchase price was calculated based upon $37.39 per share, the closing trading
price of First Bancorp&rsquo;s common stock on September 15, 2022, which was the latest practicable trading date before the date of this
document. The final allocation of the purchase price will be determined after the completion of the merger. This allocation is dependent
upon certain valuations and other studies that have not progressed to a stage where sufficient information is available to make a definitive
allocation. The purchase price allocation adjustments and related amortization reflected in the following unaudited pro forma combined
financial statements are preliminary and have been made solely for the purpose of preparing these statements. </P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The transaction accounting
adjustments are based upon available information and certain assumptions that First Bancorp and GrandSouth believe are reasonable under
the circumstances. A final determination of the fair value of the assets acquired and liabilities assumed, which cannot be made prior
to the completion of the acquisition, may differ materially from the preliminary estimates. The final valuation may change the purchase
price allocation, which could affect the fair value assigned to the assets acquired and liabilities assumed and could result in a change
to the unaudited pro forma combined financial statements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp has included
the impact of the expected change in control payments with single-trigger terms which will be immediately triggered as a result of the
merger and will be recognized by GrandSouth in the Unaudited Pro Forma Condensed Combined Balance Sheet as of June 30, 2022. See Note
Regarding Merger Expenses below for additional discussion of merger expenses, including double-trigger change of control payments and
other expenses expected to be incurred in connection with the merger, and the estimated impact of applying Current Expected Credit Loss
(&ldquo;CECL&rdquo;) methodology to GrandSouth following the merger. In addition, First Bancorp anticipates that any payments to GrandSouth
shareholders who exercise and perfect their dissenters&rsquo; rights will be immaterial and as such, no adjustment has been included
in the pro forma financial statements below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The unaudited pro forma condensed
combined financial statements do not reflect indirect costs of integration activities, or benefits that may result from synergies that
may be derived from any integration activities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">You should read this information
in conjunction with the:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">accompanying
                                            notes to the unaudited pro forma combined financial statements included in this proxy statement/prospectus;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">separate
                                            historical audited consolidated financial statements of First Bancorp as of December&nbsp;31,
                                            2021 and 2020, and for each of the three years ended December&nbsp;31, 2021; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">separate
                                            historical audited consolidated financial statements of GrandSouth as of December&nbsp;31,
                                            2021 and 2020, and for each of the years then ended.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">separate
                                            unaudited interim consolidated financial statements of First Bancorp as of June&nbsp;30,
                                            2022, and for each of the three and six month periods ended June&nbsp;30, 2022 and 2021;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">separate
                                            unaudited interim consolidated financial statements of GrandSouth as of June&nbsp;30, 2022,
                                            and for each of the three and six month periods ended June&nbsp;30, 2022 and 2021; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&middot;</FONT></TD><TD STYLE="text-align: justify">separate
                                            unaudited interim consolidated financial statements of Select Bancorp as of September&nbsp;30,
                                            2021, and for the nine month periods ended September&nbsp;30, 2021 and 2020, included in
                                            First Bancorp&rsquo;s Current Report on Form&nbsp;8-K filed with the SEC on August&nbsp;5,
                                            2022.</TD></TR></TABLE>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Unaudited Pro Forma Condensed Combined Balance
Sheet</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>As of June&nbsp;30, 2022</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> Transaction </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> First </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> GrandSouth </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> Accounting </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> Pro Forma </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; font-style: italic; text-align: left; border-bottom: Black 1pt solid"> ($ in thousands) </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> Bancorp </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> Bancorporation </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> Adjustments </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> Notes </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> Combined </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> ASSETS </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 33%; font-size: 10pt; text-align: left"> Cash &amp; due from banks, noninterest-bearing </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> 85,139 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> 5,036 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> - </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 7%; font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> 90,175 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Due from banks, interest-bearing and short-term investements </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 348,964 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 137,900 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 486,864 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total cash and cash equivalents </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 434,103 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 142,936 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 577,039 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Securities available for sale </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 2,532,624 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 116,137 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 2,648,761 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Securities held to maturity </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 546,410 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 5,990 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 552,400 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Loans and leases held for sale </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 5,293 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 5,293 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt"> Loans </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 6,243,170 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 952,813 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (15,841 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 1 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 7,180,142 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Allowance for credit losses on loans </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (82,181 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (14,100 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 10,068 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 2 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (86,213 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;Net loans </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 6,160,989 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 938,713 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (5,773 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 7,093,929 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Premises and equipment </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 135,143 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 17,655 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 152,798 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Operating right-of-use assets </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 19,707 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,783 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 21,490 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Foreclosed properties </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 658 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 842 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,500 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> Goodwill </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 364,263 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 737 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 85,908 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 3 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 450,908 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Other intangible assets </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 15,352 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 19,280 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 4 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 34,632 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Bank-owned life insurance </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 163,831 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 14,935 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 178,766 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Other </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 187,842 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 14,304 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,541 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 5 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 203,687 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
    assets </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 10,566,215 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 1,254,032 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 100,956 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 11,921,203 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> LIABILITIES </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Deposits:&nbsp;&nbsp;&nbsp;Demand - noninterest-bearing </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 3,699,725 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 301,487 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 4,001,212 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 5,660,023 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 809,614 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (975 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 6 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 6,468,662 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 9,359,748 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,111,101 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (975 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 10,469,874 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> Borrowings </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 67,445 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 40,924 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (1,205 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 7 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 107,164 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Operating lease liabilities </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 20,280 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,769 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 22,049 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Other liabilities </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 56,399 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 4,117 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 2,258 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 8 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 62,774 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 9,503,872 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,157,911 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 78 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 10,661,861 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> SHAREHOLDERS&rsquo; EQUITY </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Common stock and additional paid in capital </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 723,956 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 45,424 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 151,575 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 9 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 920,955 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Retained earnings </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 587,739 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 58,026 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (58,026 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 10 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 587,739 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Stock in directors' rabbi trust assumed in acquisition </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (1,573 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (1,573 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Directors' deferred fee obligation </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,573 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,573 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Accumulated other comprehensive income (loss) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (249,352 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (7,329 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 7,329 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> 11 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (249,352 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total shareholders&rsquo; equity </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,062,343 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 96,121 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 100,878 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,259,342 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
    liabilities and shareholders&rsquo; equity </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 10,566,215 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 1,254,032 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 100,956 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 11,921,203 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  </TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">See accompanying notes to pro forma balance sheet.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Unaudited Pro Forma Condensed Combined Statement
of Income</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>For the Six Months Ended June&nbsp;30, 2022</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> Transaction </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> First </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> GrandSouth </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> Accounting </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center"> Pro Forma </TD><TD STYLE="font-size: 10pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-style: italic"> ($ in thousands, except per share data) </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> Bancorp </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> Bancorporation </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> Adjustments </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> Notes </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> Combined </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left"> Interest income </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 34%; font-size: 10pt; text-align: left"> Interest and fees on loans </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="width: 9%; font-size: 10pt; text-align: right"> 129,279 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> 27,345 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> 1,377 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 7%; font-size: 10pt; text-align: right"> 12 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> 158,001 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Interest on investment securities </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 28,747 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,137 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 29,884 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Other, principally overnight investments </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,530 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 287 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,817 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 159,556 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 28,769 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,377 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 189,702 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left"> Interest expense </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Savings, checking and money market accounts </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 2,232 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,118 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 3,350 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Time deposits </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,124 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 327 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 157 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 13 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,608 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Borrowings </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,052 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 893 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 71 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 14 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 2,016 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 4,408 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 2,338 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 228 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 6,974 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 155,148 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 26,431 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,150 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 182,729 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Provision for loan losses </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 3,500 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 427 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 3,927 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Reversal of provision for unfunded commitments </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (1,500 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (1,500 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total provision for credit losses </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 2,000 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 427 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 2,427 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Net interest income after provision for loan losses </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 153,148 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 26,004 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,150 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 180,302 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left"> Noninterest income </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Service charges on deposit accounts </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 7,241 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 702 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 7,943 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Other charges and fees </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 14,887 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 368 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 15,255 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Mortgage banking income </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,575 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,575 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Commissions from sales of financial products </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 2,096 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 2,096 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> SBA consulting fees </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,484 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,484 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> SBA loan sale gains </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 4,102 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 4,102 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Bank-owned life insurance income </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,918 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 157 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 2,075 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Other gains </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 3,212 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 36 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 3,248 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;Total noninterest income </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 36,515 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,263 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 37,778 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left"> Noninterest expenses </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Salaries and employee benefits </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 59,141 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 11,216 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 70,357 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Occupancy and equipment expense </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 9,324 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,157 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 10,481 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Merger and acquisition expense </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 4,221 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 896 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 5,117 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Intangibles amortization </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,970 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,633 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 15 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 3,603 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> Foreclosed property (gains) losses </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (372 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 37 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (335 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Other </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 26,579 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 3,706 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 30,285 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;Total noninterest expenses </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 100,863 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 17,012 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,633 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 119,508 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left"> Income before income taxes </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 88,800 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 10,255 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (484 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 98,572 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Income taxes </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 18,246 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 2,454 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (111 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 16 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 20,589 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left"> Net income </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 70,554 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 7,801 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (373 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 77,983 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> Preferred stock dividends </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (77 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> (77 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> ) </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; padding-bottom: 2.5pt"> Net income applicable to common shareholders </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: right"> 70,554 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: right"> 7,724 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: right"> (373 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> ) </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: right"> 77,906 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> Basic earnings per share </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 1.98 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 1.42 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 1.92 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> Diluted earnings per share </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 1.98 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 1.37 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 1.92 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt"> Weighted average common shares - basic </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 35,476,902 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 5,192,202 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (194,145 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 17 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 40,474,959 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> Weighted average common shares - diluted </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 35,641,728 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 5,389,183 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (391,126 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 17 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 40,639,785 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  </TABLE>




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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">See
accompanying notes to pro forma income statement.</FONT></P>

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

<!-- Field: Page; Sequence: 30; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font-size: 10pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->23<!-- Field: /Sequence --></FONT></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<!-- Field: Split-Segment; Name: a3 -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Unaudited Pro Forma Condensed Combined Statement
of Income</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>For the Year Ended December&nbsp;31, 2021</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 7pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 7pt; vertical-align: bottom">
    <TD STYLE="font-size: 7pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> For the<BR>
    period ended<BR>
    10/15/2021 </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> Pro Forma<BR>
    Adjustments </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> Pro Forma<BR>
    First Bancorp/ </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> Pro Forma<BR>
    Adjustments </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom">
    <TD STYLE="font-size: 7pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> First </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> Select </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> First Bancorp/ </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> Select Bancorp </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> GrandSouth </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> First Bancorp/ </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 7pt; font-weight: bold; text-align: center"> Pro Forma </TD><TD STYLE="font-size: 7pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom">
    <TD STYLE="font-size: 7pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 7pt; font-weight: bold; text-align: center"> Bancorp </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 7pt; font-weight: bold; text-align: center"> Bancorp </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 7pt; font-weight: bold; text-align: center"> Select Bancorp </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 7pt; font-weight: bold; text-align: center"> Notes </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 7pt; font-weight: bold; text-align: center"> Combined </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 7pt; font-weight: bold; text-align: center"> Bancorporation </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 7pt; font-weight: bold; text-align: center"> GrandSouth </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 7pt; font-weight: bold; text-align: center"> Notes </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font-size: 7pt; font-weight: bold; text-align: center"> Combined </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom">
    <TD STYLE="font-size: 7pt; font-style: italic"> ($ in thousands, except per share data) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD COLSPAN="34" STYLE="font-size: 7pt; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; font-weight: bold; text-align: left"> Interest income </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left; width: 20%"> Interest and fees on loans </TD><TD STYLE="width: 1%; font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="width: 6%; font-size: 7pt; text-align: right"> 219,013 </TD><TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="width: 6%; font-size: 7pt; text-align: right"> 53,781 </TD><TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 6%; font-size: 7pt; text-align: right"> 2,302 </TD><TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 4%; font-size: 7pt; text-align: right"> 18 </TD><TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="width: 7%; font-size: 7pt; text-align: right"> 275,096 </TD><TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="width: 6%; font-size: 7pt; text-align: right"> 53,109 </TD><TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 8%; font-size: 7pt; text-align: right"> 3,382 </TD><TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 4%; font-size: 7pt; text-align: right"> 12 </TD><TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="width: 6%; font-size: 7pt; text-align: right"> 331,587 </TD><TD STYLE="width: 1%; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> Interest on investment securities </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 34,478 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 3,404 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 411 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 19 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 38,293 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 1,684 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 39,977 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> Other, principally overnight investments </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 2,427 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 149 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 2,576 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 215 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 2,791 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 255,918 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 57,334 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 2,713 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 315,965 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 55,008 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 3,382 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 374,355 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; font-weight: bold; text-align: left"> Interest expense </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left"> Savings, checking and money market accounts </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 4,520 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 2,172 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 6,692 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 2,068 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 8,760 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> Time deposits </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 3,361 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 2,543 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 610 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 20 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 6,514 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 1,192 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 253 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 13 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 7,959 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; padding-bottom: 1pt"> Borrowings </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 1,642 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 467 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 78 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 21 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 2,187 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 1,858 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 65 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 14 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 4,110 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 9,523 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 5,182 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 688 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 15,393 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 5,118 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 318 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 20,829 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 246,395 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 52,152 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 2,025 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 300,572 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 49,890 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 3,064 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 353,526 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> Provision for loan losses </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 9,611 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (1,334 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 8,277 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 1,270 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 9,547 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> Reversal of provision for unfunded commitments </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 5,420 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 5,420 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 5,420 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total provision for credit losses </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 15,031 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> (1,334 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 13,697 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 1,270 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 14,967 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> Net interest income after provision for credit losses </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 231,364 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 53,486 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 2,025 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 286,875 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 48,620 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 3,064 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 338,559 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; font-weight: bold; text-align: left"> Noninterest income </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> Service charges on deposit accounts </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 12,317 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 800 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 13,117 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 1,244 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 14,361 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left"> Other charges and fees </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 25,516 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 2,673 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 28,189 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 959 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 29,148 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> Mortgage banking income </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 10,975 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 812 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 11,787 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 11,787 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left"> Commissions from sales of insurance and financial products </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 6,947 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 6,947 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 6,947 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> SBA consulting fees </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 7,231 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 7,231 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 7,231 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left"> SBA loan sale gains </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 7,329 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 416 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 7,745 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 7,745 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> Bank-owned life insurance income </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 2,885 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 495 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 3,380 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 344 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 3,724 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left"> Losses on sale of securities </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (1,237 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (1,237 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (819 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (2,056 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> Other gains </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 1,648 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 157 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 1,805 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 2,081 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 3,886 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;Total noninterest income </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 73,611 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 5,353 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 78,964 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 3,809 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 82,773 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; font-weight: bold; text-align: left"> Noninterest expenses </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> Salaries and employee benefits </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 103,249 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 18,896 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 122,145 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 21,131 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 143,276 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left"> Occupancy and equipment expense </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 16,020 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 2,683 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 58 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 22 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 18,761 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 2,309 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 21,070 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> Merger and acquisition expense </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 16,845 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 835 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 17,680 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 17,680 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left"> Intangibles amortization </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 3,531 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 443 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 1,372 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 23 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 5,346 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 3,649 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 15 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 8,995 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left"> Foreclosed property losses, net </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 24 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 88 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 112 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 90 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> - </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 202 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; padding-bottom: 1pt"> Other </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 44,987 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 10,842 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 55,829 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 7,611 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 63,440 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;Total noninterest expenses </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 184,656 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 33,787 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 1,430 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 219,873 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 31,141 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 3,649 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 254,663 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; text-align: left"> Income before income taxes </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 120,319 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 25,052 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 595 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 145,966 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 21,288 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (585 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 166,669 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> Income taxes </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 24,675 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 5,727 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 137 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 24 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 30,539 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 5,174 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> (134 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 16 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> 35,579 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; font-weight: bold; text-align: left"> Net income </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 95,644 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 19,325 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 458 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 115,427 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 16,114 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (451 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 131,090 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; text-align: left; padding-bottom: 1pt"> Preferred stock dividends </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> - </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> (120 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 7pt; text-align: right"> (120 </TD><TD STYLE="padding-bottom: 1pt; font-size: 7pt; text-align: left"> ) </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; font-weight: bold; text-align: left; padding-bottom: 2.5pt"> Net income applicable to common shareholders </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: right"> 95,644 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: right"> 19,325 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: right"> 458 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: right"> 115,427 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: right"> 15,994 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: right"> (451 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; font-weight: bold; text-align: left"> ) </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; font-weight: bold; text-align: right"> 130,970 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; font-weight: bold; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> Basic earnings per share </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 3.19 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 1.12 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 3.12 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 2.95 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 3.12 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> Diluted earnings per share </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 3.19 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 1.12 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 3.11 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 2.88 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 7pt; text-align: right"> 3.11 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 7pt"> Weighted average common shares - basic </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 29,876,151 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 17,281,656 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (10,210,700 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 25 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 36,947,107 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 5,157,858 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (159,801 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 17 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 41,945,163 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="font-size: 7pt; vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 7pt"> Weighted average common shares - diluted </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 30,027,785 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 17,329,035 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (10,258,079 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 25 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 37,098,741 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 5,287,413 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> (289,356 </TD><TD STYLE="font-size: 7pt; text-align: left"> ) </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 17 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt"> &nbsp; </TD>
    <TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 7pt; text-align: right"> 42,096,797 </TD><TD STYLE="font-size: 7pt; text-align: left"> &nbsp; </TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="text-align: left; font: 7pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">See accompanying notes to pro forma income statement.</P>






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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Notes to Unaudited Pro Forma Condensed Combined
Financial Statements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>($ in thousands except per share data)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Note I &ndash; Transaction Accounting Adjustments</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The following transaction accounting adjustments have been reflected
in the unaudited pro forma combined consolidated financial information. The adjustments related to the GrandSouth transaction are based
on current assumptions and valuations, which are subject to change.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Balance Sheet Adjustments:</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1.</TD><TD STYLE="text-align: justify">This represents the adjustment to loans to reflect fair value adjustments, which include lifetime credit
loss expectations for loans, current interest rates and liquidity, as well as the gross up of purchased credit deteriorated (&ldquo;PCD&rdquo;)
loans. The adjustment includes the following:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; margin-right: 50in; width: 88%; margin-left: 0.5in">
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%; font: 10pt Times New Roman, Times, Serif; text-align: left">Estimate of loan fair value adjustments</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">(19,873</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">)</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">Gross up of PCD loans for credit mark</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">4,032</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Total adjustments to loans</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">(15,841</TD><TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">The above estimated total loan fair
value adjustment is comprised of approximately $8,300 in interest rate marks and $11,600 in credit marks based on a third-party valuation
analysis and loan due diligence. It is estimated that approximately 35% of the total credit mark is related to PCD loans, for which applicable
accounting provides that an allowance for credit losses (&ldquo;ACL&rdquo;) should be established. Thus $4,032 of the credit mark is recorded
as an ACL versus a direct write-down of the loans and is added back to the loan balance adjustment above. Also see Note 2.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2.</TD><TD STYLE="text-align: justify">The adjustments to the ACL on loans include the following:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; margin-right: 50in; width: 88%; margin-left: 0.5in">
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 87%; text-align: left">Reversal of historical GrandSouth allowance for loan losses</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">14,100</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">Estimate of lifetime credit losses for PCD loans</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(4,032</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 0.125in; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt">Total adjustments to allowance for credit losses</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">10,068</TD><TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.</FONT> </TD><TD STYLE="text-align: justify"> This
                                            net adjustment of $85,908 is the estimated amount of goodwill to be recorded related to this
                                            acquisition of $86,645, less GrandSouth&rsquo;s historical goodwill amount of $737 to be
                                            reversed. Also see Note II below. </TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">4.</TD><TD STYLE="text-align: justify">This is the core deposit intangible (&ldquo;CDI&rdquo;) asset related to acquired core deposits based
on an assessment of the non-time deposit account characteristic applying several valuation methodologies and factoring in deposit beta
assumptions.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">This represents the current
tax benefit and deferred tax assets related to the fair value adjustments and the</FONT> change in control payment liability recorded
by GrandSouth at a blended federal and state rate of 22.98%. Also see Note 8 below.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">6.</TD><TD STYLE="text-align: justify">This is the fair value adjustment associated with GrandSouth&rsquo;s time deposits which is primarily
related to interest rate marks on brokered deposits.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">7.</TD><TD STYLE="text-align: justify">This is the fair value adjustment associated with GrandSouth&rsquo;s long-term debt (trust preferred and
subordinated debentures) which is related to interest rate marks.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.</FONT></TD><TD STYLE="text-align: justify">This adjustment is for the expected change in control payments with single-trigger terms which will be
immediately triggered as a result of the merger and will be recognized by GrandSouth. Additional change of control payments with double-trigger
terms will be charged to merger expenses as incurred. Refer also to Note Regarding Merger Expenses below.</TD></TR></TABLE>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">9.</TD><TD STYLE="text-align: justify">This represents the equity adjustment based on the purchase price of the transaction as follows:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; margin-right: 50in; width: 88%; margin-left: 0.5in">
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 87%; font-size: 10pt; text-align: left">&nbsp;Number of First Bancorp shares to be issued in merger</TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right">4,998,057</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;First Bancorp share price at September 15, 2022</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">37.39</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">&nbsp;Purchase price of GrandSouth common shares</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">186,877</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;Value of conversion of GrandSouth's 640,483 stock options</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">10,122</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt">&nbsp;Total Purchase Price</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">196,999</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;Less: GrandSouth's existing common stock and paid in capital</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(45,424</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">)</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">&nbsp;&nbsp;&nbsp;&nbsp;Total adjustment to common stock and paid in capital</TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right">151,575</TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  </TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">10.</TD><TD STYLE="text-align: justify">This adjustment represents the reversal of historical GrandSouth retained earnings.</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">11.</TD><TD STYLE="text-align: justify">This adjustment is the elimination of GrandSouth&rsquo;s existing Accumulated Other Comprehensive Income
(&ldquo;AOCI&rdquo;), entirely related to available-for-sale securities, that will be recorded as part of the accounting entries to reflect
the merger transaction.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.5in"><B>GrandSouth Income
Statement Adjustments:</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">12.</TD><TD STYLE="text-align: justify">This reflects the expected discount accretion associated with the fair market value adjustment related
to loans. The loan fair value adjustment is amortized using the effective interest method over the estimated life of the loan portfolio
which is approximately 4.9 years.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">13.</TD><TD STYLE="text-align: justify">This is the estimate of amortization expense associated with the fair market value adjustment related
to time deposits. The fair market value adjustment is assumed to be amortized on an effective interest method over the estimated life
of the time deposits, which is approximately 0.7 years for retail time deposits and 3.3 years for brokered deposits.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">14.</TD><TD STYLE="text-align: justify">This is the estimate of amortization expense associated with the fair market value adjustment related
to borrowings. The fair market value adjustment is assumed to be amortized on a straight-line basis over the remaining life of the related
borrowing, which ranges from 3.5 years to 14.1 years.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">15.</TD><TD STYLE="text-align: justify">This is the estimated amortization expense of the core deposit intangible arising in this transaction
and is based on an average life of 7.0 years using the effective interest method.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">16.</TD><TD STYLE="text-align: justify">This is the estimated impact on income tax expense related to the transaction accounting adjustments at
a blended federal and state rate of 22.98%.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">17.</TD><TD STYLE="text-align: justify">This is the adjustment necessary to eliminate the weighted-average shares of GrandSouth stock and to record
the expected number of First Bancorp shares of to be issued as merger consideration of 4,998,057 based on the exchange ratio of 0.91 per
share. Also see Note II below.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Select Bancorp Income Statement Adjustments:</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">18.</TD><TD STYLE="text-align: justify">This reflects the expected discount accretion associated with the fair market value adjustment related
to loans, less the historical acquisition-related discount accretion recorded by Select Bancorp during the respective periods. The loan
fair value adjustment is amortized using the sum-of-the-years-digits method over 5.0 years.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">19.</TD><TD STYLE="text-align: justify">This reflects the expected discount accretion associated with the unrealized losses of Select Bancorp&rsquo;s
available for sale securities. The fair market value adjustment is assumed to be amortized on a straight-line basis over the estimated
average remaining life of the securities, which is approximately 5.6 years.</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">20.</TD><TD STYLE="text-align: justify">This is the estimate of amortization expense associated with the fair market value adjustment related
to time deposits. The fair market value adjustment is assumed to be amortized on an effective interest method over the estimated life
of the time deposits, which is approximately 0.8 years.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">21.</TD><TD STYLE="text-align: justify">This is the estimate of amortization expense associated with the fair market value adjustment related
to borrowings. The fair market value adjustment is assumed to be amortized on a straight-line basis over the remaining life of the related
borrowing, which is approximately 13.5 years.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">22.</TD><TD STYLE="text-align: justify">This is the estimate of depreciation expense associated with the fair market value adjustment related
to buildings. The fair market value adjustment is assumed to be amortized on a straight-line basis over the remaining life of the buildings,
which is approximately 30.0 years.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">23.</TD><TD STYLE="text-align: justify">This is the estimated incremental amortization expense of the core deposit intangible arising in this
transaction and is based on the sum-of-the-years-digits method over 7.0 years.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">24.</TD><TD STYLE="text-align: justify">This is the estimated impact on income tax expense related to the transaction accounting adjustments at
a blended federal and state rate of 22.98%.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">25.</TD><TD STYLE="text-align: justify">This is the adjustment necessary to eliminate the weighted-average shares of Select Bancorp stock and
to record the 7,070,371 First Bancorp shares issued as merger consideration based on the exchange ratio of 0.408 per share on October&nbsp;15,
2021 upon First Bancorp&rsquo;s acquisition of Select Bancorp.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Note regarding Merger Expenses:</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">In addition to the $2,258 in change of control
payments reflected as a transaction accounting adjustments in the table above, First Bancorp estimates that there will be approximately
$17,000 in expenses which will be recorded in connection with the merger expected to be incurred, as follows:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; margin-right: 50in; width: 88%; margin-left: 0.5in">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif">Merger Transaction Costs Schedule</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 87%; text-align: left">Professional fees - direct</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">4,300</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Professional fees &ndash; other</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,200</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Change in control, severance, retention bonuses</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6,040</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Contract termination fees</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,700</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">Other noninterest expense</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,760</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt">Total merger related costs</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">17,000</TD><TD STYLE="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Also in addition to the transaction accounting
adjustments reflected in the table above, the estimated impact of applying the CECL methodology to GrandSouth immediately following the
merger includes a Day 2 provision for credit losses on non-PCD loans of $7,500 and a Day 2 provision for credit losses on unfunded commitments
of $2,300. The provision impact is based on an analysis of the lifetime expected losses on the GrandSouth loan portfolio, including unfunded
loan commitments, estimated under the CECL methodology.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Note II &ndash; Preliminary Purchase Accounting
Allocation</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><FONT STYLE="background-color: white">The
following table summarizes the determination of the purchase price consideration with a sensitivity analysis assuming a 20% increase and
20% decrease in the price per share of First Bancorp common stock from the June&nbsp;30, 2022 baseline with its impact on the preliminary
goodwill.</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> (Dollars in thousands, except per share data) </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> As of September
    <BR>
    15, 2022 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> 20% Increase<BR>
    in First Bancorp<BR>
    Stock Price </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> 20% Decrease<BR>
    in First Bancorp <BR>
    Stock Price </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> Transaction Pro Forma Consideration: </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 49%; font-size: 10pt; text-align: left"> &nbsp;Number of GrandSouth shares outstanding at balance sheet date </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 13%; font-size: 10pt; text-align: right"> 5,492,370 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 13%; font-size: 10pt; text-align: right"> 5,492,370 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 13%; font-size: 10pt; text-align: right"> 5,492,370 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;Merger exchange ratio </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 0.910 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 0.910 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 0.910 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp;Number of First Bancorp shares to be issued in merger </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 4,998,057 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 4,998,057 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 4,998,057 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp;First Bancorp share price at September 15, 2022 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 37.39 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 44.87 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 29.91 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp;Purchase price of GrandSouth common shares </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 186,877 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 224,263 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 149,492 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;Number of GrandSouth stock options outstanding </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 640,483 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 640,483 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 640,483 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt"> &nbsp;Price per share per above x .91 exchange ratio </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 34.02 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 40.83 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 27.22 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt"> &nbsp;Weighted average exercise price </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 18.22 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 18.22 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 18.22 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Comversion value per stock option </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 15.80 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 22.61 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 9.00 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Converted
    stock options value </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 10,122 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 14,480 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 5,763 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"> &nbsp;Total purchase price of GrandSouth common stock and
    stock options </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 196,999 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 238,743 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 155,255 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: right; padding-bottom: 1pt"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"> &nbsp;Preliminary goodwill </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 86,645 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 128,389 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"> 44,901 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  </TABLE>




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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><FONT STYLE="background-color: white">The
merger will be accounted for using the acquisition method of accounting; accordingly, First Bancorp&rsquo;s cost to acquire GrandSouth
will be allocated to the assets (including identifiable intangible assets) and liabilities of GrandSouth at their respective estimated
fair values as of the merger date. Accordingly, the pro forma purchase price was preliminarily allocated to the assets acquired and the
liabilities assumed based on their estimated fair values, as summarized in the following table. The final allocation may include (1)&nbsp;changes
to fair value of loans and securities; (2)&nbsp;changes to allocations to intangible assets such as core deposits intangibles, as well
as goodwill; and (3)&nbsp;other changes to assets and liabilities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; background-color: white"><FONT STYLE="background-color: white"></FONT></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> As of June 30, 2022 </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> GrandSouth <BR>
    (As Reported) </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> Acquisition<BR>
    Adjustments </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"> GrandSouth <BR>
    (As Adjusted) </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt"> Fair value of assets acquired: </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 61%; font-size: 10pt; text-align: left; padding-left: 9px"> &nbsp;Cash and cash equivalents </TD><TD STYLE="width: 1%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> 142,936 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> - </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 1%; font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="width: 10%; font-size: 10pt; text-align: right"> 142,936 </TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-left: 9px"> &nbsp;Investment securities </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 122,127 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 122,127 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-left: 9px"> &nbsp;Loans net </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 938,713 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (5,773 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 932,940 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-left: 9px"> &nbsp;Other intangibles, net </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> - </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 19,280 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 19,280 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 9px"> &nbsp;Other assets </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 49,519 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,541 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 51,060 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-left: 18px"> &nbsp;Total assets acquired </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,253,295 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 15,048 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,268,343 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt"> &nbsp;Fair value of liabilities acquired: </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-left: 9px"> &nbsp;Deposits </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,111,101 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (975 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 1,110,126 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-left: 9px"> &nbsp;Borrowings and debt </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 40,924 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> (1,205 </TD><TD STYLE="font-size: 10pt; text-align: left"> ) </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> 39,719 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 9px"> &nbsp;Other liabilities </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 5,886 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 2,258 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 8,144 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 18px"> &nbsp;Total liabilities acquired </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,157,911 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 78 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 1,157,989 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 18px"> &nbsp;Net assets acquired </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 95,384 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 14,970 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 110,354 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp;Purchase price as calculated per above </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"> 196,999 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; padding-bottom: 2.5pt"> &nbsp;Preliminary Goodwill </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 2.5pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: left"> $ </TD><TD STYLE="border-bottom: Black 2.5pt double; font-size: 10pt; font-weight: bold; text-align: right"> 86,645 </TD><TD STYLE="padding-bottom: 2.5pt; font-size: 10pt; font-weight: bold; text-align: left"> &nbsp; </TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="e_001"></A>UNAUDITED COMPARATIVE PER SHARE DATA</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Presented below for First
Bancorp and GrandSouth is historical, unaudited pro forma combined and pro forma equivalent per share financial data. The information
presented below should be read together with the historical consolidated financial statements of First Bancorp and GrandSouth, including
the related notes, filed with the SEC and incorporated by reference into this proxy statement/prospectus. See &ldquo;Where You Can Find
More Information.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The unaudited pro forma and
pro forma equivalent per share information gives effect to the merger as if it had been effective on June&nbsp;30, 2022 in the case of
the book value data; and as if the merger and First Bancorp&rsquo;s acquisition of Select Bancorp, which was completed on October&nbsp;15,
2021, had been effective as of January&nbsp;1, 2021, in the case of the earnings per share and the cash dividends data. The unaudited
pro forma data combines the historical results of GrandSouth into First Bancorp&rsquo;s consolidated statement of income. While certain
adjustments were made for the estimated impact of fair value adjustments and other acquisition-related activity, they are not indicative
of what could have occurred had the acquisition taken place on January&nbsp;1, 2021.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, the unaudited
pro forma data includes adjustments, which are preliminary and may be revised. The unaudited pro forma data, while helpful in illustrating
the financial characteristics of the combined company under one set of assumptions, does not reflect the impact of factors that may result
as a consequence of the mergers or consider any potential impacts of current market conditions or the merger on revenues, expense efficiencies,
asset dispositions and share repurchases, among other factors, nor the impact of possible business model changes. As a result, unaudited
pro forma data is presented for illustrative purposes only and does not represent an attempt to predict or suggest future results.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; font-size: 10pt"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD COLSPAN="14" STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> Unaudited Comparative
    Per Common Share Data </TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt; font-weight: bold"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp;Pro
                                            Forma<BR>
                                            First Bancorp/&nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> First
                                            Bancorp </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp;Pro
                                            Forma <BR>
                                            GrandSouth </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp;Select
                                            Bancorp&nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> Pro
                                            Forma </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> Equivalent </TD><TD STYLE="font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center; padding-bottom: 1pt"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> &nbsp;Combined&nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> GrandSouth </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> Combined </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: bold; text-align: center"> Per
                                            Share </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; font-weight: bold; text-align: center"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; padding-bottom: 1pt"> Basic Earnings </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 37%; font-size: 10pt; padding-bottom: 1pt"> Year ended December 31, 2021 </TD><TD STYLE="width: 2%; font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%; font-size: 10pt; text-align: left"> $ </TD><TD STYLE="padding-bottom: 1pt; width: 13%; font-size: 10pt; text-align: right"> 3.12 </TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; width: 10%; font-size: 10pt; text-align: right"> 2.95 </TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; width: 12%; font-size: 10pt; text-align: right"> 3.12 </TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; width: 1%; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; width: 12%; font-size: 10pt; text-align: right"> 2.84 </TD><TD STYLE="width: 1%; padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Six months ended June 30, 2022 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 1.98 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 1.42 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 1.92 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 1.75 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; padding-bottom: 1pt"> Diluted Earnings </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Year ended December 31, 2021 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 3.11 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 2.88 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 3.11 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 2.83 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Six months ended June 30, 2022 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 1.98 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 1.37 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 1.92 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 1.74 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left; padding-bottom: 1pt"> Cash Dividends Declared </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Year ended December 31, 2021 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 0.80 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 0.40 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 0.80 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 0.73 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Six months ended June 30, 2022 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 0.44 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 0.26 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 0.44 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 0.40 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> Book Value Per Common Share </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Year ended December 31, 2021 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 34.54 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 18.61 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 35.14 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 31.98 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> Six months ended June 30, 2022 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 29.77 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 18.22 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 30.96 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 28.17 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> Market Value Per Common Share </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> As of June 30, 2022 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 34.90 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 31.20 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 34.90 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 31.76 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; padding-bottom: 1pt"> As of September 15, 2022 </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 37.39 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 33.00 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 37.39 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: right"> 34.02 </TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  </TABLE>




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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="e_002"></A>THE
GRANDSOUTH SPECIAL MEETING</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> <I>This section contains
information about the special meeting that GrandSouth has called to allow its shareholders to consider and vote on the merger proposal,
the merger-related compensation proposal and the adjournment proposal. GrandSouth is mailing this proxy statement/prospectus to you,
as a GrandSouth shareholder, on or about September 23, 2022. This proxy statement/prospectus is accompanied by a notice of the special
meeting and a form of proxy card that the GrandSouth board is soliciting for use at the special meeting and at any adjournments of the
special meeting.</I> </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_003"></A>Date, Time and Place of the Special Meeting</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
special meeting will be held at GrandSouth&rsquo;s principal executive offices located at </FONT>381 Halton Road, Greenville, South Carolina
29607 on November 8, 2022, at 5:00 p.m. local time. On or about September 23, 2022, GrandSouth commenced mailing this proxy statement/prospectus
and the enclosed form of proxy card to its shareholders entitled to vote at the special meeting. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_004"></A>Matters to Be Considered</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At the special meeting, GrandSouth
shareholders will be asked to consider and vote upon the following matters:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">for holders of GrandSouth common and preferred stock, the merger proposal;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">for holders of GrandSouth common stock, the merger-related compensation proposal; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&bull;</FONT></TD><TD STYLE="text-align: justify">for holders of GrandSouth common stock, the adjournment proposal.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Completion of the merger is
conditioned on approval of the merger proposal, but is not conditioned on the approval of the merger-related compensation proposal or
the adjournment proposal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_005"></A>Recommendation of the GrandSouth Board</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The GrandSouth board has determined
that the merger agreement and the transactions contemplated thereby, including the merger, are advisable and in the best interests of
GrandSouth and its shareholders, has unanimously adopted and approved the merger agreement and unanimously recommends that the GrandSouth
shareholders vote &ldquo;<B>FOR</B>&rdquo; the merger proposal, &ldquo;<B>FOR</B>&rdquo; the merger-related compensation proposal and
 &ldquo;<B>FOR</B>&rdquo; the adjournment proposal. See the section of this proxy statement/prospectus entitled &ldquo;The Merger&thinsp;&mdash;&thinsp;GrandSouth&rsquo;s
Reasons for the Merger; Recommendation of the GrandSouth Board&rdquo; beginning on page&nbsp;[&#9679;]&nbsp;for a more detailed discussion
of the GrandSouth board&rsquo;s recommendation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_006"></A>Record Date, Shares Entitled to Vote and Quorum</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> The GrandSouth board has
fixed the close of business on September 14, 2022 as the record date for determining the GrandSouth shareholders entitled to receive
notice of, and to vote at, the special meeting. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> As of the record date,
there were 5,222,042 shares of GrandSouth common stock outstanding and entitled to vote at the special meeting held by 283 holders of
record and 282,828 shares of GrandSouth preferred stock outstanding and entitled to vote at the special meeting held by 294 holders of
record. Each share of GrandSouth common stock entitles the holder to one vote at the special meeting on all matters properly presented
at the meeting. Each share of GrandSouth preferred stock entitles the holder to one vote at the special meeting on the merger proposal
presented at the meeting. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A quorum is the number of
shares that must be present, in person or by proxy, in order for business to be transacted at the special meeting. Holders representing
at least a majority of the issued and outstanding shares of GrandSouth common and preferred stock entitled to be voted at the special
meeting are necessary to constitutes a quorum. All shares of GrandSouth common and preferred stock present in person or represented by
proxy, including abstentions, will be treated as present for purposes of determining the presence or absence of a quorum at the special
meeting.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_007"></A>Broker Non-Votes</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A broker non-vote occurs when
a bank, broker or other nominee is not permitted to vote on a &ldquo;non-routine&rdquo; matter without instructions from the beneficial
owner of the shares and the beneficial owner fails to provide the bank, broker or other nominee with such instructions. Broker non-votes
only count towards a quorum if at least one proposal is presented with respect to which the bank, broker or other nominee has discretionary
authority. It is expected that all proposals to be voted on at the special meeting will be &ldquo;non-routine&rdquo; matters, and, as
such, broker non-votes, if any, will not be counted as present and entitled to vote for purposes of determining a quorum at the special
meeting. If your bank, broker or other nominee holds your shares of GrandSouth stock in &ldquo;street name,&rdquo; such entity will vote
your shares of GrandSouth stock only if you provide instructions on how to vote by complying with the voting instruction form sent to
you by your bank, broker or other nominee with this proxy statement/prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_008"></A>Required Vote; Treatment of Abstentions, Broker
Non-Votes and Failure to Vote</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Merger
proposal</I></FONT>:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify"><I>Standard:</I>&nbsp;&nbsp;Approval of the merger proposal requires the affirmative vote of at least
two-thirds of the outstanding shares of each of (a)&nbsp;GrandSouth common stock, (b)&nbsp;GrandSouth preferred stock, and (c)&nbsp;GrandSouth
common and preferred stock, voting together as a single class.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><I>Effect of abstentions and broker non-votes:</I>&nbsp;&nbsp;If you mark &ldquo;ABSTAIN&rdquo; on your
proxy, fail to submit a proxy or vote in person at the special meeting or fail to instruct your bank or broker how to vote with respect
to the merger proposal, it will have the same effect as a vote &ldquo;AGAINST&rdquo; the merger proposal.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>Merger-related compensation proposal:</I></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><I>Standard:</I>&nbsp;&nbsp;The merger-related compensation proposal will be approved if the votes of
GrandSouth common stock cast at the special meeting, in person or by proxy, in favor of the proposal exceed the votes cast against the
proposal.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><I>Effect of abstentions and broker non-votes:</I>&nbsp;&nbsp;If you mark &ldquo;ABSTAIN&rdquo; on your
proxy card, fail to submit a proxy or vote in person at the special meeting or fail to instruct your bank or broker how to vote with respect
to the merger-related compensation proposal, it will have no effect on such proposal.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Adjournment
proposal</I></FONT>:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><I>Standard:</I>&nbsp;&nbsp;The adjournment proposal will be approved if the votes of GrandSouth common
stock cast at the special meeting, in person or by proxy, in favor of the proposal exceed the votes cast against the proposal.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><I>Effect of abstentions and broker non-votes:</I>&nbsp;&nbsp;If you mark &ldquo;ABSTAIN&rdquo; on your
proxy, fail to submit a proxy or vote in person at the special meeting or fail to instruct your bank or broker how to vote with respect
to the adjournment proposal, it will have no effect on such proposal.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_009"></A>Shares Held by Directors and Executive Officers;
Support Agreements</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> As of the record date,
the directors and executive officers of GrandSouth and their affiliates owned and were entitled to vote 1,646,765 shares of GrandSouth
common stock, representing 31.5% of the shares of GrandSouth common stock outstanding on that date and 27,087 shares of GrandSouth preferred
stock, representing 9.6% of the shares of GrandSouth preferred stock outstanding on that date. All of the directors and executive
officers of GrandSouth have agreed to vote their shares in favor of the merger proposal and not sell or otherwise dispose of their shares,
except with the prior approval of First Bancorp; provided that such support agreements terminate at the effective time of the merger,
in the event that the merger agreement is terminated in accordance with its terms or in the event the GrandSouth board withdraws its
recommendation in favor of the merger or approves or recommends an acquisition proposal from another party. For more information regarding
the support agreements, see the section of this proxy statement/prospectus entitled &ldquo;The Merger Agreement&mdash;Support Agreements&rdquo;
beginning on page&nbsp;[&bull;]. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_010"></A>Voting of Proxies; Incomplete Proxies</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If you hold your shares of
GrandSouth stock in your own name, you are a shareholder of record and you may vote using one of the following methods:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">By telephone: by calling the toll-free number indicated on your proxy card and following the recorded
instructions.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">Through the Internet: by visiting the website indicated on your proxy card and following the instructions.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">Complete and return the proxy card in the enclosed envelope. The envelope requires no additional postage
if mailed in the United States.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth requests that shareholders
vote by telephone, over the Internet or by completing and signing the accompanying proxy card and returning it to GrandSouth as soon as
possible in the enclosed postage-paid envelope. When a proxy is returned properly executed, the shares of GrandSouth common and preferred
stock represented by it will be voted at the special meeting in accordance with the instructions contained on the proxy. If any proxy
is returned without indication as to how to vote, the shares of GrandSouth common and preferred stock represented by the proxy will be
voted &ldquo;FOR&rdquo; the merger proposal, &ldquo;FOR&rdquo; the merger-related compensation proposal and &ldquo;FOR&rdquo; the adjournment
proposal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If your shares are held in
 &ldquo;street name&rdquo; by a bank or broker, you should check the voting form used by your bank or broker to determine whether it may
vote by telephone or the Internet.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><U>Every
vote is important.</U></B></FONT><B> Accordingly, you should sign, date and return the enclosed proxy card, or vote via the Internet or
by telephone, whether or not you plan to attend the special meeting in person.</B> Sending in your proxy card or voting by telephone or
on the Internet will not prevent you from voting your shares personally at the meeting, since you may revoke your proxy at any time before
it is voted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As of the date hereof, the
GrandSouth board of directors has no knowledge of any business that will be presented for consideration at the special meeting and that
would be required to be set forth in this proxy statement/prospectus or the related proxy card other than the matters set forth in GrandSouth&rsquo;s
Notice of Special Meeting of Shareholders. If any other matter is properly presented at the special meeting for consideration, the persons
named in the enclosed form of proxy and acting thereunder will vote in accordance with their discretion on such matter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_011"></A>Voting Shares Held in &ldquo;Street Name&rdquo;</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in">If your shares are held in
 &ldquo;street name&rdquo; through a bank or a broker, you must provide the record holder of your shares with instructions on how to vote
the shares. Please follow the voting instructions provided by the bank or broker. You may not vote shares held in street name by returning
a proxy card directly to GrandSouth or by voting in person at the special meeting unless you obtain a &ldquo;legal proxy&rdquo; from your
bank or broker. Furthermore, banks or brokers who hold shares of GrandSouth stock on behalf of their customers will not vote your shares
of GrandSouth stock or give a proxy to GrandSouth to vote those shares with respect to any proposal without specific instructions from
you, as banks or brokers do not have discretionary voting power on any proposal to be presented at the special meeting.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_012"></A>Revocability of Proxies and Changes to a GrandSouth
Shareholder&rsquo;s Vote</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If you are a shareholder of
record, you have the power to change your vote at any time before your shares are voted at the special meeting by:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">attending and voting in person at the special meeting;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">timely delivering a new, valid proxy bearing a later date; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">timely delivering a written notice of revocation to the Corporate Secretary of GrandSouth at 381 Halton
Road, Greenville, South Carolina 29607.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Simply attending the special
meeting without voting will not revoke any proxy that you have previously given or change your vote.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If your shares are held in
 &ldquo;street name&rdquo; by a bank or broker, you must follow the directions you receive from your bank or broker in order to change
or revoke your vote.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_013"></A>Solicitation of Proxies</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth is soliciting your
proxy in conjunction with the proposals to be considered at the special meeting. GrandSouth will bear the entire cost of soliciting proxies
from you. In addition to solicitation by mail, directors, officers and employees of GrandSouth may solicit proxies by personal interview,
telephone, or electronic mail. GrandSouth reimburses brokerage houses, custodians, nominees, and fiduciaries for their expenses in forwarding
proxies and proxy material to their principals.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_014"></A>Attending the Special Meeting</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If you are a shareholder of
record and you wish to attend the special meeting, please bring your proxy card and evidence of your stock ownership, such as your most
recent account statement, to the special meeting. You should also bring valid picture identification.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If your shares are held in
 &ldquo;street name&rdquo; by a bank or broker and you wish to attend the special meeting, you need to bring a copy of a bank or brokerage
statement to the special meeting reflecting your stock ownership as of the record date. You should also bring valid picture identification.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_015"></A>Delivery of Proxy Materials to GrandSouth Shareholders
Sharing an Address</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
permitted by the Securities Exchange Act of 1934, as amended (which we refer to as the &ldquo;Exchange Act&rdquo;), only one copy of this
proxy statement/prospectus is being delivered to multiple GrandSouth shareholders sharing an address unless GrandSouth has previously
received contrary instructions from one or more such shareholders. This is referred to as &ldquo;householding.&rdquo; Shareholders who
hold their shares in &ldquo;street name&rdquo; can request further information on householding through their banks or brokers. On written
or oral request to GrandSouth&rsquo;s Corporate Secretary, at GrandSouth&rsquo;s offices at </FONT>381 Halton Road, Greenville, South
Carolina 29607 or by telephone at (864) 527-7170, GrandSouth will promptly deliver a separate copy of this proxy statement/prospectus
to a shareholder at a shared address to which a single copy of the document was delivered.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_016"></A>Assistance</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
you need assistance in completing your proxy card or voting via the Internet or by telephone, have questions regarding the special meeting
or would like additional copies of this proxy statement/prospectus, please contact GrandSouth&rsquo;s Corporate
Secretary, at GrandSouth&rsquo;s offices at </FONT>381 Halton Road, Greenville, South Carolina 29607 or by telephone at 864-527-7170.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="e_017"></A>GRANDSOUTH
PROPOSALS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_018"></A>Proposal No.&nbsp;1 &ndash; Merger Proposal</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth is asking its shareholders
to approve the merger agreement and approve the transactions contemplated thereby, including the merger. GrandSouth shareholders should
read this proxy statement/prospectus carefully and in its entirety, including the annexes, for more detailed
information concerning the merger agreement and the merger. A copy of the merger agreement is attached to this proxy statement/prospectus
as&nbsp;<U>Annex A</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">After careful consideration,
the GrandSouth board unanimously adopted and approved the merger agreement and declared the merger agreement and the transactions contemplated
thereby, including the merger, to be advisable and in the best interest of GrandSouth and its shareholders. See the section of this proxy
statement/prospectus entitled &ldquo;The Merger&thinsp;&mdash;&thinsp;GrandSouth&rsquo;s Reasons for the Merger; Recommendation of the
GrandSouth Board&rdquo; beginning on page&nbsp;[&#9679;]&nbsp;for a more detailed discussion of the GrandSouth board&rsquo;s recommendation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>The GrandSouth board unanimously
recommends a vote &ldquo;FOR&rdquo; the merger proposal.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_020"></A>Proposal No.&nbsp;2 &ndash; Merger-Related
Compensation Proposal</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section&nbsp;14A of the Exchange
Act and Rule&nbsp;14a-21(c)&nbsp;under the Exchange Act require that GrandSouth seek a non-binding advisory vote from its common shareholders
to approve the &ldquo;golden parachute&rdquo; compensation that its named executive officers will receive in connection with the merger
discussed in &ldquo;The Merger&thinsp;&mdash;&thinsp;Interests of GrandSouth Directors and Executive Officers in the Merger&thinsp;&mdash;&thinsp;Merger-Related
Compensation for GrandSouth&rsquo;s Named Executive Officers&rdquo; beginning on page&nbsp;[&#9679;]. As required by these provisions,
GrandSouth is asking the GrandSouth common shareholders to vote on the adoption of the following resolution:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;RESOLVED, that the
compensation that may be paid or become payable to GrandSouth&rsquo;s named executive officers in connection with the merger, and the
agreements or understandings pursuant to which such compensation may be paid or become payable, in each case as disclosed pursuant to
Item 402(t)&nbsp;of Regulation S-K in &ldquo;The Merger&thinsp;&mdash;&thinsp;Interests of GrandSouth Directors and Executive Officers
in the Merger&thinsp;&mdash;&thinsp;Merger-Related Compensation for GrandSouth&rsquo;s Named Executive Officers,&rdquo; are hereby APPROVED.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The vote with respect to this
proposal is an advisory vote and will not be binding on GrandSouth, First Bancorp or the combined company. Therefore, regardless of whether
GrandSouth common shareholders approve this proposal, if the merger proposal is approved by GrandSouth shareholders and the merger is
completed, the &ldquo;golden parachute&rdquo; compensation may still be paid to such named executive officers to the extent payable in
accordance with the terms of such compensation agreements and arrangements. Approval of this proposal is not a condition to the closing
of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>The GrandSouth board unanimously
recommends a vote &ldquo;FOR&rdquo; the merger-related compensation proposal.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_021"></A>Proposal No.&nbsp;3 &ndash; Adjournment Proposal</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The special meeting may be
adjourned to another time or place, if necessary or appropriate, to solicit additional proxies if there are insufficient votes at the
time of the GrandSouth special meeting to approve the merger proposal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If, at the special meeting,
the number of shares of GrandSouth common or preferred stock present or represented by proxy and voting in favor of the merger proposal
is insufficient to approve the merger proposal, GrandSouth intends to move to adjourn the special meeting in order to enable the GrandSouth
board to solicit additional proxies for approval of the merger proposal. In that event, GrandSouth will ask its common shareholders to
vote upon the adjournment proposal, but not the merger proposal or the merger-related compensation proposal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In this proposal, GrandSouth
is asking its common shareholders to authorize the holder of any proxy solicited by the GrandSouth board on a discretionary basis to vote
in favor of adjourning the special meeting to another time and place for the purpose of soliciting additional proxies, including the solicitation
of proxies from GrandSouth shareholders who have previously voted.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; margin-top: 0pt; margin-bottom: 0pt; text-align: left"><B>The GrandSouth
board unanimously recommends a vote &ldquo;FOR&rdquo; the adjournment proposal.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="e_022"></A>INFORMATION
ABOUT FIRST BANCORP</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp is the fourth
largest bank holding company headquartered in North Carolina. At June&nbsp;30, 2022, First Bancorp had total consolidated assets of approximately
$10.6 billion, total loans of approximately $6.2 billion, total deposits of approximately $9.4 billion, and shareholders&rsquo; equity
of approximately $1.1 billion. First Bancorp&rsquo;s principal activity is the ownership and operation of First Bank, a state-chartered
bank with its main office in Southern Pines, North Carolina.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bank was organized in
1934 and began banking operations in 1935 as the Bank of Montgomery, named for the county in which it operated. Until 2013, First Bank&rsquo;s
main office was in Troy, North Carolina. In September&nbsp;2013, First Bancorp and First Bank moved their main offices approximately 45
miles to Southern Pines, North Carolina, in Moore County. First Bank conducts business from 108 branches covering a geographical area
from Florence, South Carolina to the south, to Wilmington, North Carolina to the east, to Kill Devil Hills, North Carolina to the northeast,
to Mayodan, North Carolina to the north, and to Asheville, North Carolina to the west. Of the bank&rsquo;s 108 branches, 102 branches
are in North Carolina and six branches are in South Carolina. Ranked by assets, First Bank was the fourth largest bank headquartered in
North Carolina as of June&nbsp;30, 2022.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bank has three wholly
owned subsidiaries, SBA Complete, Magnolia Financial and First Troy. SBA Complete specializes in providing consulting services for financial
institutions across the country related to SBA loan origination and servicing. Magnolia Financial is a business financing company that
offers accounts receivable financing and factoring, inventory financing, and purchase order financing throughout the southeastern United
States. First Troy is a holding company for foreclosed properties.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp&rsquo;s common
stock trades on the NASDAQ GSM under the ticker symbol &ldquo;FBNC&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Bancorp and First Bank&rsquo;s principal executive offices are located at 300 SW Broad Street, Southern Pines, North Carolina, 28387,
and their telephone number is (910) 246-2500. First Bank&rsquo;s website is located at <U>www.localfirstbank.com</U></FONT>. Information
on First Bank&rsquo;s website is not incorporated into this document by reference and is not a part hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Additional information about
First Bancorp and its subsidiaries is included in documents incorporated by reference in this proxy statement/prospectus. See the sections
of this proxy statement/prospectus entitled &ldquo;Information About First Bancorp&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>] and &ldquo;Where
You Can Find More Information&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="e_023"></A>INFORMATION
ABOUT GRANDSOUTH</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth was incorporated
in 2000 under the laws of South Carolina and is a bank holding company registered under the Bank Holding Company Act of 1956. GrandSouth&rsquo;s
principal activity is the ownership and operation of GrandSouth Bank, a South Carolina state-chartered commercial bank that commenced
operations in 1998. At June&nbsp;30, 2022, GrandSouth had total consolidated assets of approximately $1.3 billion, total loans of approximately
$952.8 million, total deposits of approximately $1.1 billion and shareholders&rsquo; equity of approximately $96.1 million.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth Bank&rsquo;s business
consists primarily of accepting deposits from individuals and small businesses and investing those deposits, together with funds generated
from operations and borrowings, primarily in loans secured by real estate, including commercial real estate loans, one-to-four family
residential mortgage loans, construction and development loans, and home equity loans and lines of credit. In addition, GrandSouth Bank
originates commercial business loans and invest in investment securities. GrandSouth Bank also provides specialty floor plan lending to
small auto dealerships through a separate division of the bank under the trade name &ldquo;CarBucks.&rdquo; GrandSouth Bank offer a variety
of deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts,
and individual retirement accounts. GrandSouth Bank has eight retail offices located across South Carolina.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth&rsquo;s common
stock is quoted on the OTCQX under the ticker symbol &ldquo;GRRB&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth and GrandSouth
Bank&rsquo;s principal executive offices are located at 381 Halton Road, Greenville, South Carolina, and their telephone number is (864)
770-1000. GrandSouth Bank&rsquo;s website is located at www.grandsouth.com. Information on GrandSouth Bank&rsquo;s website is not incorporated
into this proxy statement/prospectus by reference and is not a part hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Additional information about
GrandSouth and its subsidiaries is included in documents incorporated by reference in this proxy statement/prospectus. See the sections
of this proxy statement/prospectus entitled &ldquo;Information About GrandSouth&rdquo; beginning on page&nbsp;[&bull;] and &ldquo;Where
You Can Find More Information&rdquo; beginning on page&nbsp;[&bull;].</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="e_024"></A>THE
MERGER</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>The following discussion
contains certain information about the merger. The discussion is subject, and qualified in its entirety by reference, to the merger agreement
attached as <U>Annex A</U> to this proxy statement/prospectus and incorporated herein by reference. We urge you to read carefully this
entire proxy statement/prospectus, including the merger agreement attached as <U>Annex A</U>, for a more complete understanding of the
merger.</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_025"></A>Terms of the Merger</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each of the First Bancorp
board and the GrandSouth board has unanimously approved the merger agreement. The merger agreement provides that GrandSouth will merge
with and into First Bancorp, with First Bancorp continuing as the surviving corporation in the merger, and immediately following the completion
of the merger, GrandSouth Bank will merge with and into First Bank, with First Bank being the surviving entity in the bank merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In the merger, each issued
and outstanding share of GrandSouth stock, except for certain specified shares owned by First Bancorp or GrandSouth and shares of GrandSouth
stock as to which dissenters&rsquo; rights have been perfected, will be converted into the right to receive 0.91 shares of First Bancorp
common stock. No fractional shares of First Bancorp common stock will be issued in connection with the merger, and GrandSouth shareholders
will instead be entitled to receive cash in lieu thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth
shareholders are being asked to approve the merger agreement. See the section of this proxy statement/prospectus entitled &ldquo;The Merger
Agreement&rdquo; beginning on page&nbsp;</FONT>[&bull;] for additional and more detailed information regarding the legal documents that
govern the merger, including information about the conditions to the completion of the merger and the provisions for terminating or amending
the merger agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="e_026"></A>Background
of the Merger</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As part of its ongoing consideration
and evaluation of its long-term prospects and strategies, GrandSouth&rsquo;s board of directors and executive management have regularly
reviewed and assessed its business strategies and objectives, all with the goal of enhancing long-term value for its shareholders. The
board of directors&rsquo; reviews and assessments have included discussions regarding strategic alternatives, including capital planning
(such as common and preferred stock repurchases and subordinated debt offerings), earnings improvement (such as revenue increases including
through new lines of business and expense reductions), and growth strategies (such as organic growth and mergers and acquisitions of other
banks or non-bank financial services companies). The board of directors has conducted periodic strategic planning meetings that have included
the use of outside advisors who have provided reviews of factors influencing the banking industry generally and GrandSouth in particular
(including the economic, interest rate, and regulatory environment); the competitive landscape of community banking participants in South
Carolina, the Southeast region, and nationally; public trading prices of bank stocks; and bank merger and acquisition activity and valuations.
These strategic planning meetings have included discussions regarding potential business considerations, economies of scale, increased
client service, and shareholder value benefits that might be achieved if GrandSouth were to become a larger institution through acquisitions
of another financial institution or related company or a merger with a larger financial institution.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth directors and executive
officers have also been contacted from time to time by various investment bank representatives and financial institutions, who expressed
a general interest in exploring strategic alternatives in the event that GrandSouth were to seek a merger partner. These contacts occurred
through impromptu meetings at investor conferences and banking industry conferences, social settings at those conferences, and other informal
meetings and telephone calls. These meetings and the other inquiries that had been received from various institutions involved general
discussions regarding a potential merger but did not involve specific proposed transaction terms.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As part of its ongoing consideration
and evaluation of its long-term prospects and strategies, and in view of the ongoing contacts as described above, the GrandSouth board
of directors met on December&nbsp;15, 2021 to discuss proposed strategic plans and the advantages and disadvantages of following such
plans or seeking a strategic merger partner which would add additional scale to GrandSouth. A representative of Nelson Mullins Riley&nbsp;&amp;
Scarborough LLP, or Nelson Mullins, legal counsel to GrandSouth, attended the meeting. The board of directors discussed with Nelson Mullins
the process that would be followed should the board of directors decide to explore potential merger and acquisition opportunities. The
directors discussed the mission, strategic vision, and core values of GrandSouth, as well as the characteristics that it believed would
be important in a merger partner. The board of directors also noted that it was not under any obligation to proceed with a transaction
should the exploration of potential merger partners not generate the desired results in valuation and other factors that it determined
to be in the best interests of GrandSouth and its shareholders. After discussion, the GrandSouth board of directors determined to continue
with the evaluation of a potential strategic transaction and delegated authority to executive officers of GrandSouth to select an investment
bank to assist with exploring a potential strategic transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The GrandSouth executive officers
met on January&nbsp;27, 2022. A representative of Nelson Mullins as well as representatives of the investment banking firm of Piper Sandler&nbsp;&amp;
Co., which was subsequently engaged to act as GrandSouth&rsquo;s financial advisor in connection with the merger, attended the meeting.
The parties discussed information regarding the banking industry, GrandSouth, and recent bank merger and acquisition activity, including,
among other things, potential strategic merger partners. After discussion, the GrandSouth executive officers, in coordination with representatives
of Piper Sandler, determined to prepare a confidential information memorandum that could be used to market GrandSouth to potential merger
partners and to populate an online dataroom to facilitate the performance of due diligence by potential merger partners.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">In
March&nbsp;2022, representatives of Piper Sandler contacted eleven parties to gauge their interest in a potential strategic merger with
GrandSouth. These parties were selected in consultation with GrandSouth based upon their size, capacity to pay and strategic interest
in GrandSouth or banks in the South Carolina marketplace. Six of the parties executed non-disclosure agreements and were given the </FONT>confidential
information memorandum as well as access to preliminary diligence materials in the online dataroom. Under the terms of the non-disclosure
agreements, each party agreed to take all necessary steps to maintain the confidentiality and secrecy of the other party&rsquo;s confidential
information, and not to disclose such information to any third parties with the exception of their representatives, affiliates, and representatives
of affiliates who were assigned to participate in the potential transaction, had a need to know such information to enable them to perform
their duties, and who had agreed to be bound by the terms of the non-disclosure agreement. The parties also agreed that they would not
utilize any confidential information to induce or attempt to induce any customer, supplier, or other business relation of the other party
to cease doing business with such party, or in any way utilize any confidential information to interfere with the relationship between
any customer, supplier, or business relation and the party providing the confidential information.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">During
March&nbsp;2022, GrandSouth executive management, together with Piper Sandler, held multiple introductory meetings with five of these
potential merger partners. These meetings included GrandSouth executive management visiting the headquarters locations for each of the
four potential merger partners that would subsequently submit non-binding letters of intent to conduct preliminary reverse due diligence
of these potential partners. As a result of this process, on March&nbsp;31, 2022, four parties submitted initial non-binding letters of
intent.</FONT> We refer to these potential merger partners other than First Bancorp as &ldquo;Institution A,&rdquo; &ldquo;Institution
B,&rdquo; and &ldquo;Institution C.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For Institution A, the financial
terms of the initial letter of intent provided for a 100% stock transaction with an implied per share consideration of $34.62, for each
share of GrandSouth common stock which would result in a pro forma ownership of the combined institution of 8.84% for the GrandSouth shareholders.
The letter further indicated that one director of GrandSouth would be invited to join the Institution A board and that the other GrandSouth
directors would be invited to serve on a South Carolina State Advisory Board for Institution A. The letter also contained an exclusivity
provision.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For Institution B, the financial
terms of the initial letter of intent provided for a 70% stock and 30% cash transaction with an implied per share consideration of $35.69,
for each share of GrandSouth common stock which would result in a pro forma ownership of the combined institution of 5.82% for the GrandSouth
shareholders. The letter further indicated that one director of GrandSouth would be invited to join the Institution B board and that the
other GrandSouth directors would be invited to serve on a South Carolina State Advisory Board for Institution B. The letter of intent
also proposed a minimum net worth test.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For Institution C, the financial
terms of the initial letter of intent provided for a 100% stock transaction with an implied per share consideration range of $31.91 to
$35.46, for each share of GrandSouth common stock which would result in a pro forma ownership of the combined institution of 3.77% for
the GrandSouth shareholders. The letter was silent on whether any GrandSouth director would be invited to join the Institution C board
or an advisory board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For First Bancorp, the financial
terms of the initial letter of intent provided for a 100% stock transaction with an exchange ratio of 0.8969 shares of First Bancorp stock,
or an implied per share consideration of $38.00, for each share of GrandSouth common stock which would result in a pro forma ownership
of the combined institution of 12.07% for the GrandSouth shareholders. The letter further indicated that two directors of GrandSouth would
be invited to join the First Bancorp board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On April&nbsp;20, 2022, the
GrandSouth board reviewed the four initial letters of intent and invited First Bancorp,&nbsp;Institution A and Institution B to conduct
further due diligence on GrandSouth. Institution C was informed that they had not been selected for further due diligence. Throughout
April&nbsp;2022, representatives of Piper Sandler and members of the GrandSouth executive management team prepared and uploaded further
credit and other specifically requested due diligence materials to the online dataroom for review by First Bancorp,&nbsp;Institution A,
and Institution B.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On May&nbsp;4, 2022, GrandSouth
received final non-binding letters of intent from First Bancorp,&nbsp;Institution A and Institution B, each of which represented an increase
in the exchange ratio from their initial indication. For Institution A, the financial terms of the final letter of intent provided for
a 100% stock transaction with an implied per share consideration of $32.98 as of May&nbsp;4, 2022 and $37.28 based on a 90-day average,
for each share of GrandSouth common stock which would result in a pro forma ownership of the combined institution of 9.4% for the GrandSouth
shareholders. The letter further indicated that one director of GrandSouth would be invited to join the Institution A board and that the
other GrandSouth directors would be invited to serve on a South Carolina State Advisory Board for Institution A. The letter also contained
an exclusivity provision.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For Institution B, the financial
terms of the final letter of intent provided for a 100% stock transaction with an implied per share consideration of $35.46 as of May&nbsp;4,
2022 or $37.82 on a 90-day average, for each share of GrandSouth common stock which would result in a pro forma ownership of the combined
institution of 8.5% for the GrandSouth shareholders. The letter further indicated that one director of GrandSouth would be invited to
join the Institution B board and that the other GrandSouth directors would be invited to serve on a South Carolina State Advisory Board
for Institution B.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For First Bancorp, the financial
terms of the final letter of intent provided for a 100% stock transaction with an exchange ratio of 0.9100 shares of First Bancorp stock,
or implied per share consideration of $35.08 as of May&nbsp;4, 2022 or $39.39 on a 90-day average, for each share of GrandSouth common
stock which would result in a pro forma ownership of the combined institution of 12.3% for the GrandSouth shareholders. The letter further
indicated that two directors of GrandSouth would be invited to join the First Bancorp board.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On May&nbsp;18, 2022, the
GrandSouth board reviewed the three letters of intent with representatives of Piper Sandler and the GrandSouth board approved the non-binding
letter of intent with First Bancorp and directed the representatives of Piper Sandler to inform First Bancorp and for executive management
to begin negotiations of the merger agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On May&nbsp;24, 2022, Brooks,
Pierce, McLendon, Humphrey&nbsp;&amp; Leonard, LLP, or Brooks Pierce, legal counsel to First Bancorp, provided a draft merger agreement
to Nelson Mullins. On June&nbsp;4, 2022, Nelson Mullins sent a revised draft of the merger agreement to Brooks Pierce reflecting GrandSouth&rsquo;s
initial comments and requested modifications. Over the course of the next week representatives of GrandSouth&rsquo;s executive management
team Piper Sandler, and Nelson Mullins continued to perform additional diligence on First Bancorp. On June&nbsp;13, 2022, representatives
of GrandSouth&rsquo;s executive management team, Piper Sandler, and Nelson Mullins conducted due diligence interviews of representatives
of First Bancorp.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Brooks Pierce provided an
updated draft of the merger agreement to Nelson Mullins on June&nbsp;10, 2022. On the afternoon of June&nbsp;15, 2022, the GrandSouth
board held a meeting at which the potential merger transaction with First Bancorp was discussed. It was made clear at the outset of the
meeting that the GrandSouth board would not be voting to approve any transaction at this meeting. The purpose of the meeting was to provide
the GrandSouth board with an opportunity to review, consider, and discuss the proposed transaction. Representatives from Piper Sandler
and Nelson Mullins also attended the meeting and provided an update on the status of merger discussions and due diligence. Representatives
of Piper Sandler presented a financial analysis of the proposed merger with First Bancorp, including a review of selected transactions,
an analysis of the proposed consideration in the form of common stock of First Bancorp and pro forma ownership percentages. Representatives
of Nelson Mullins reviewed the proposed merger agreement with First Bancorp in detail with the board. The board, with the assistance of
Piper Sandler and Nelson Mullins, engaged in extensive discussion of the proposed merger with First Bancorp and the advantages and disadvantages
of the proposed merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth and First Bancorp,
with the assistance of their respective advisors, continued negotiation of the merger agreement over the following days. By June&nbsp;18,
2022, the terms of the merger agreement were largely finalized. First Bancorp&rsquo;s board met on June&nbsp;20, 2022 and unanimously
approved the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">On
the afternoon of June&nbsp;20, 2022, the GrandSouth board met and further considered the proposed merger with First Bancorp and reviewed
the final draft of the merger agreement. Representatives of Piper Sandler and Nelson Mullins joined the meeting in person. Based on its
analysis previously presented at the June&nbsp;15, 2022 meeting, representatives of Piper Sandler delivered its opinion, which was confirmed
by written opinion, dated June&nbsp;20, 2022, to the effect that, subject to the procedures followed, assumptions made, matters considered
and qualifications and limitations on the review undertaken by Piper Sandler in rendering its opinion, the exchange ratio was fair to
GrandSouth&rsquo;s common shareholders from a financial point of view. Following discussion and receipt of the Piper Sandler opinion,
the GrandSouth board unanimously voted to </FONT>adopt and approve the merger agreement with First Bancorp, and directed GrandSouth&rsquo;s
executive management to finalize and execute a definitive merger agreement on the terms presented at the meeting.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth and First Bancorp
executed the merger agreement on June&nbsp;21, 2022 and, after the financial markets closed that day, issued a joint press release announcing
the execution of the merger agreement and the terms of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><A NAME="e_027"></A>GrandSouth&rsquo;s Reasons for the Merger; Recommendation of the
GrandSouth Board</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">After careful consideration,
the GrandSouth board, at a meeting held on June&nbsp;20, 2022, unanimously determined the merger agreement and the transactions contemplated
thereby to be fair and in the best interest of GrandSouth and its shareholders. Accordingly, the GrandSouth board unanimously adopted
and approved the merger agreement and recommends that GrandSouth&rsquo;s shareholders vote &ldquo;FOR&rdquo; the approval of the merger
agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In evaluating the merger agreement
and reaching its decision to adopt and approve the merger agreement and recommend that GrandSouth&rsquo;s shareholders approve the merger
agreement, GrandSouth&rsquo;s board consulted with GrandSouth&rsquo;s management, as well as its outside legal and financial advisors,
and considered a number of factors, including the following material factors (not in any relative order of importance):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the GrandSouth board&rsquo;s knowledge and understanding of GrandSouth&rsquo;s business, operations, financial
condition, asset quality, earnings and prospects, and of First Bancorp&rsquo;s business, operations, financial condition, asset quality,
earnings and prospects, taking into account the conversation had with, and the presentations made by, First Bancorp officers as part of
GrandSouth&rsquo;s reverse due diligence review and information provided by GrandSouth&rsquo;s financial advisors;</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">its understanding of First Bancorp&rsquo;s commitment to enhancing its strategic position in GrandSouth&rsquo;s
market area, its prospects for the future and its projected financial results, and the GrandSouth board&rsquo;s belief that the combined
enterprise would benefit from First Bancorp&rsquo;s ability to take advantage of economies of scale and grow in the current economic environment;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">First Bancorp&rsquo;s earnings track record and the market performance of its common stock;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the ability of GrandSouth&rsquo;s shareholders to benefit from First Bancorp&rsquo;s potential growth
and stock appreciation since it is more likely that the combined entity will have superior future earnings and prospects compared to GrandSouth&rsquo;s
earnings and prospects on an independent basis due to greater operating efficiencies and better penetration of commercial and consumer
markets;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the perceived ability of First Bancorp to complete a merger transaction from a financial and regulatory
perspective, including its prior history of successful merger transactions;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the financial and other terms of the merger agreement, including the amount and nature of the consideration
proposed to be paid, which GrandSouth&rsquo;s board reviewed with its outside financial and legal advisors, including:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">GrandSouth&rsquo;s ability, under certain circumstances specified in and prior to the time GrandSouth&rsquo;s
shareholders approve the merger agreement (i)&nbsp;to provide non-public information in response to a written acquisition proposal from
a third party and (ii)&nbsp;participate in discussions or negotiations with a third party making such proposal, if, in each case, the
acquisition proposal was not the result of a material violation of the provisions of the merger agreement relating to the solicitation
of acquisition proposals, and if GrandSouth&rsquo;s board, prior to taking any such actions, determines in good faith, after consultation
with its outside legal counsel, that failure to take such actions would violate the GrandSouth board&rsquo;s fiduciary duties under applicable
law and, after consultation with its financial advisor and outside counsel, that such acquisition proposal constitutes a superior proposal;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact that the outside date under the merger agreement allows for sufficient time to complete the merger;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the GrandSouth board&rsquo;s belief that the proposed merger with First Bancorp will generally be a tax-free
transaction to GrandSouth&rsquo;s shareholders with respect to First Bancorp common stock received by virtue of the merger;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the level of effort that First Bancorp must use under the merger agreement to obtain required regulatory
approvals, and the prospects for such approvals being obtained in a timely fashion and without the imposition of any adverse conditions;
and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">its review of the potential costs associated with executing the merger agreement, including change in
control, severance and related costs, as well as estimated advisor fees, which the GrandSouth board concluded were reasonable and would
not affect the advice from, or the work performed by executive management of GrandSouth or GrandSouth&rsquo;s financial advisors in connection
with the evaluation of the merger and the merger agreement by GrandSouth&rsquo;s board;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the complementary aspects of the GrandSouth and First Bancorp businesses, including customer focus, geographic
coverage, business orientation and compatibility of the companies&rsquo; management operating styles;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the potential expense-saving and revenue-enhancing opportunities in connection with the merger, the related
potential impact on the combined company&rsquo;s earnings and the fact that the nature of the stock consideration would allow former GrandSouth
shareholders to participate in the potential future upside as First Bancorp shareholders;</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the anticipated effect of the acquisition on GrandSouth&rsquo;s retained employees and the terms of severance
for employees who would not be retained;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the long-term and short-term interests of GrandSouth and its shareholders, and the interests of GrandSouth&rsquo;s
employees, customers, creditors and suppliers, and the community and societal considerations of the communities in which GrandSouth maintains
offices;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the financial analyses provided by Piper Sandler, GrandSouth&rsquo;s financial advisor, regarding the
merger, and its opinion, delivered to GrandSouth&rsquo;s board on June&nbsp;20, 2022, to the effect that, as of that date and subject
to the procedures followed, assumptions made, matters considered and qualifications and limitations on the review undertaken by Piper
Sandler in rendering its opinion, the exchange ratio to be received under the terms of the merger agreement was fair, from a financial
point of view, to GrandSouth&rsquo;s common shareholders;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">its knowledge of the current environment in the financial services industry, including national, regional
and local economic conditions, continued industry consolidation, increased regulatory burdens, evolving trends in technology and increasing
nationwide and global competition, the current financial market conditions, the current environment for community banks, particularly
in the Carolinas, and the likely effects of these factors on GrandSouth&rsquo;s and the combined company&rsquo;s potential growth, development,
productivity, profitability and strategic options, and the historical prices of GrandSouth and First Bancorp common shares;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">its knowledge of GrandSouth&rsquo;s prospects as an independent entity, including challenges relating
to increasing regulatory burdens and overhead expense, and GrandSouth&rsquo;s ability to increase capital to support growth;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">its knowledge of the strategic alternatives available to GrandSouth, including the challenges for organic
growth by a financial institution of GrandSouth&rsquo;s size; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">its belief that the merger is more favorable to GrandSouth&rsquo;s shareholders than the alternatives
to the merger, which belief was formed based on the careful review undertaken by the GrandSouth board, with the assistance of its management
and outside legal and financial advisors.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth&rsquo;s board also
considered potential risks and a variety of potential negative factors in connection with its deliberations concerning the merger agreement
and the merger, including the following material factors (not in any relative order of importance):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact that, while GrandSouth expects that the merger will be consummated, there can be no assurance
that all conditions to the parties&rsquo; obligations to complete the merger agreement will be satisfied, including the risk that certain
regulatory approvals, the receipt of which are conditions to the consummation of the merger, might not be obtained, and, as a result,
the merger may not be consummated;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the restrictions on the conduct of GrandSouth&rsquo;s business prior to the completion of the merger,
which are customary for public company merger agreements involving financial institutions, but which, subject to specific exceptions,
could delay or prevent GrandSouth from undertaking business opportunities that may arise or any other action it would otherwise take with
respect to the operations of GrandSouth absent the pending completion of the merger;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the significant risks and costs involved in connection with entering into or completing the merger, or
failing to complete the merger in a timely manner, or at all, including as a result of any failure to obtain required regulatory approvals
or shareholder approval, such as the risks and costs relating to diversion of management and employee attention from other strategic opportunities
and operational matters, potential employee attrition, and the potential effect on business and customer relationships;</TD></TR></TABLE>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact that GrandSouth would be prohibited from soliciting acquisition proposals after execution of
the merger agreement, and the possibility that the $7.2 million termination fee payable by GrandSouth upon the termination of the merger
agreement under certain circumstances could discourage other potential acquirers from making a competing bid to acquire GrandSouth;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact that some of GrandSouth&rsquo;s directors and executive officers have other interests in the
merger that are different from, or in addition to, their interests as GrandSouth shareholders, including, but not limited to, the specific
terms of the employment agreement offered to Mr.&nbsp;Schwiers; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the possibility of litigation in connection with the merger.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Based on the factors described
above, the GrandSouth board determined that the merger with First Bancorp and the merger of GrandSouth Bank with First Bank would be advisable
and in the best interests of GrandSouth and its shareholders, and adopted the merger agreement and resolved to recommend its approval
to the shareholders of GrandSouth.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The foregoing discussion of
the information and factors considered by the GrandSouth board is not intended to be exhaustive but includes the material factors considered
by the GrandSouth board. In view of the wide variety of factors considered in connection with its evaluation of the merger and the complexity
of these matters, the board did not find it useful, and did not attempt, to quantify, rank or otherwise assign relative weights to these
factors. In considering the factors described above, individual members of the board may have given different weight to different factors.
The GrandSouth board conducted an overall analysis of the factors described above including through discussions with, and questioning
of, GrandSouth&rsquo;s management and GrandSouth&rsquo;s legal and financial advisors, and considered the factors overall to be favorable
to, and to support, its determination to adopt the merger agreement and recommend its approval to GrandSouth&rsquo;s shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>GrandSouth&rsquo;s board
recommends that shareholders vote &ldquo;FOR&rdquo; the merger proposal.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><A NAME="e_028"></A>Opinion of GrandSouth&rsquo;s Financial Advisor</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth retained Piper
Sandler to act as financial advisor to the GrandSouth board in connection with GrandSouth&rsquo;s consideration of a possible business
combination. GrandSouth selected Piper Sandler to act as its financial advisor because Piper Sandler is a nationally recognized investment
banking firm whose principal business specialty is financial institutions. In the ordinary course of its investment banking business,
Piper Sandler is regularly engaged in the valuation of financial institutions and their securities in connection with mergers and acquisitions
and other corporate transactions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler has acted as
financial advisor to the GrandSouth board in connection with the proposed merger and participated in certain of the negotiations leading
to the execution of the merger agreement. At the June&nbsp;20, 2022 meeting at which the GrandSouth board considered the merger and the
merger agreement, Piper Sandler delivered to the board of directors its oral opinion, which was subsequently confirmed in writing on June&nbsp;20,
2022, to the effect that, as of such date, the exchange ratio was fair to the holders of GrandSouth&rsquo;s common stock (including shares
of GrandSouth preferred stock that will be converted into shares of GrandSouth common stock, on a one-for-one basis, immediately prior
to the closing of the merger) from a financial point of view. The full text of Piper Sandler&rsquo;s opinion is attached as <U>Annex C</U>
to this proxy statement/prospectus. The opinion outlines the procedures followed, assumptions made, matters considered and qualifications
and limitations on the review undertaken by Piper Sandler in rendering its opinion. The description of the opinion set forth below is
qualified in its entirety by reference to the full text of the opinion. Holders of GrandSouth stock are urged to read the entire opinion
carefully in connection with their consideration of the proposed merger.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler&rsquo;s opinion
was directed to the board of directors of GrandSouth in connection with its consideration of the merger and the merger agreement and does
not constitute a recommendation to any shareholder of GrandSouth as to how any such shareholder should vote at any meeting of shareholders
called to consider and vote upon the approval of the merger and the merger agreement. Piper Sandler&rsquo;s opinion was directed only
to the fairness, from a financial point of view, of the exchange ratio to the holders of GrandSouth common stock and did not address the
underlying business decision of GrandSouth to engage in the merger, the form or structure of the merger or any other transactions contemplated
in the merger agreement, the relative merits of the merger as compared to any other alternative transactions or business strategies that
might exist for GrandSouth or the effect of any other transaction in which GrandSouth might engage. Piper Sandler also did not express
any opinion as to the fairness of the amount or nature of the compensation to be received in the merger by any GrandSouth officer, director
or employee, or any class of such persons, if any, relative to the compensation to be received in the merger by any other shareholder.
Piper Sandler&rsquo;s opinion was approved by Piper Sandler&rsquo;s fairness opinion committee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In connection with its opinion,
Piper Sandler reviewed and considered, among other things:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a draft of the merger agreement, dated June&nbsp;18, 2022;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">certain publicly available financial statements and other historical financial information of GrandSouth
and its banking subsidiary, GrandSouth Bank, that Piper Sandler deemed relevant;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">certain publicly available financial statements and other historical financial information of First Bancorp
that Piper Sandler deemed relevant;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">certain internal financial projections for GrandSouth for the years ending December&nbsp;31, 2022 through
December&nbsp;31, 2025, as provided by the senior management of GrandSouth;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">publicly available analyst earnings estimates for First Bancorp for the years ending December&nbsp;31,
2022 through December&nbsp;31, 2023, as well as a long-term annual earnings growth rate for the years ending December&nbsp;31, 2024 and
December&nbsp;31, 2025 and estimated dividends per share for First Bancorp for the years ending December&nbsp;31, 2022, through December&nbsp;31,
2025, as provided by the senior management of First Bancorp;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the pro forma financial impact of the merger on First Bancorp based on certain assumptions relating to
transaction expenses, purchase accounting adjustments and cost savings, as well as certain adjustments for current expected credit losses
(CECL) accounting standards, as provided by the senior management of First Bancorp;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the publicly reported historical price and trading activity for GrandSouth common stock and First Bancorp
common stock, including a comparison of certain stock market information for GrandSouth common stock and First Bancorp common stock and
certain stock indices, as well as publicly available information for certain other similar companies, the securities of which are publicly
traded;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a comparison of certain financial information for GrandSouth and First Bancorp with similar financial
institutions for which information is publicly available;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the financial and non-financial terms of certain recent business combinations in the banking industry
(on a regional and nationwide basis), to the extent publicly available;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the current market environment generally and the banking environment in particular; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">such other information, financial studies, analyses and investigations and financial, economic and market
criteria as Piper Sandler considered relevant.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler also discussed
with certain members of the senior management of GrandSouth and its representatives the business, financial condition, results of operations
and prospects of GrandSouth and held similar discussions with certain members of the management of First Bancorp and its representatives
regarding the business, financial condition, results of operations and prospects of First Bancorp.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In performing its review,
Piper Sandler relied upon the accuracy and completeness of all of the financial and other information that was available to and reviewed
by Piper Sandler from public sources, that was provided to Piper Sandler by GrandSouth or First Bancorp or their respective representatives,
or that was otherwise reviewed by Piper Sandler, and Piper Sandler assumed such accuracy and completeness for purposes of rendering its
opinion without any independent verification or investigation. Piper Sandler relied on the assurances of the respective managements of
GrandSouth and First Bancorp that they were not aware of any facts or circumstances that would have made any of such information inaccurate
or misleading. Piper Sandler was not asked to and did not undertake an independent verification of any of such information and Piper Sandler
did not assume any responsibility or liability for the accuracy or completeness thereof. Piper Sandler did not make an independent evaluation
or perform an appraisal of the specific assets, the collateral securing assets or the liabilities (contingent or otherwise) of GrandSouth
or First Bancorp, nor was Piper Sandler furnished with any such evaluations or appraisals. Piper Sandler rendered no opinion or evaluation
on the collectability of any assets or the future performance of any loans of GrandSouth or First Bancorp. Piper Sandler did not make
an independent evaluation of the adequacy of the allowance for loan losses of GrandSouth or First Bancorp, or of the combined entity after
the merger, and Piper Sandler did not review any individual credit files relating to GrandSouth or First Bancorp. Piper Sandler assumed,
with GrandSouth&rsquo;s consent, that the respective allowances for loan losses for both GrandSouth and First Bancorp were adequate to
cover such losses and would be adequate on a pro forma basis for the combined entity.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In preparing its analyses,
Piper Sandler used certain internal financial projections for GrandSouth for the years ending December&nbsp;31, 2022 through December&nbsp;31,
2025, as provided by the senior management of GrandSouth. In addition, Piper Sandler used publicly available analyst earnings estimates
for First Bancorp for the years ending December&nbsp;31, 2022 and December&nbsp;31, 2023, as well as a long-term annual earnings growth
rate for the years ending December&nbsp;31, 2024 and December&nbsp;31, 2025 and estimated dividends per share for First Bancorp for the
years ending December&nbsp;31, 2022 and December&nbsp;31, 2025 as provided by the senior management of First Bancorp. Piper Sandler also
received and used in its pro forma analyses certain assumptions relating to transaction expenses, purchase accounting adjustments and
cost savings, as well as certain adjustments for CECL accounting standards, as provided by the senior management of First Bancorp. With
respect to the foregoing information, the respective senior managements of GrandSouth and First Bancorp confirmed to Piper Sandler that
such information reflected (or in the case of the publicly available analyst estimates referred to above, were consistent with) the best
currently available projections, estimates and judgments of senior management as to the future financial performance of GrandSouth and
First Bancorp, respectively, and Piper Sandler assumed that the financial results reflected in such information would be achieved. Piper
Sandler expressed no opinion as to such information, or the assumptions on which such information was based. Piper Sandler also assumed
that there had been no material change in GrandSouth&rsquo;s or First Bancorp&rsquo;s assets, financial condition, results of operations,
business or prospects since the date of the most recent financial statements made available to Piper Sandler. Piper Sandler assumed in
all respects material to its analyses that GrandSouth and First Bancorp would remain as going concerns for all periods relevant to its
analyses.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler also assumed,
with GrandSouth&rsquo;s consent, that (i)&nbsp;each of the parties to the merger agreement would comply in all material respects with
all material terms and conditions of the merger agreement and all related agreements, that all of the representations and warranties contained
in such agreements were true and correct in all material respects, that each of the parties to such agreements would perform in all material
respects all of the covenants and other obligations required to be performed by such party under such agreements and that the conditions
precedent in such agreements were not and would not be waived, (ii)&nbsp;in the course of obtaining the necessary regulatory or third
party approvals, consents and releases with respect to the merger, no delay, limitation, restriction or condition would be imposed that
would have an adverse effect on GrandSouth, First Bancorp, the merger or any related transactions, and (iii)&nbsp;the merger and any related
transactions would be consummated in accordance with the terms of the merger agreement without any waiver, modification or amendment of
any material term, condition or agreement thereof and in compliance with all applicable laws and other requirements. Finally, with GrandSouth&rsquo;s
consent, Piper Sandler relied upon the advice that GrandSouth received from its legal, accounting and tax advisors as to all legal, accounting
and tax matters relating to the merger and the other transactions contemplated by the merger agreement. Piper Sandler expressed no opinion
as to any such matters.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler&rsquo;s opinion
was necessarily based on financial, economic, regulatory, market and other conditions as in effect on, and the information made available
to Piper Sandler as of, the date thereof. Events occurring after the date thereof could materially affect Piper Sandler&rsquo;s opinion.
Piper Sandler has not undertaken to update, revise, reaffirm or withdraw its opinion or otherwise comment upon events occurring after
the date thereof. Piper Sandler expressed no opinion as to the trading value of GrandSouth common stock or First Bancorp common stock
at any time or what the value of GrandSouth common stock would be once it is actually received by the holders of First Bancorp common
stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In rendering its opinion,
Piper Sandler performed a variety of financial analyses. The summary below is not a complete description of all the analyses underlying
Piper Sandler&rsquo;s opinion or the presentation made by Piper Sandler to the GrandSouth board, but is a summary of the material analyses
performed and presented by Piper Sandler. The summary includes information presented in tabular format. <B>In order to fully understand
the financial analyses, these tables must be read together with the accompanying text. The tables alone do not constitute a complete description
of the financial analyses.</B> The preparation of a fairness opinion is a complex process involving subjective judgments as to the most
appropriate and relevant methods of financial analysis and the application of those methods to the particular circumstances. The process,
therefore, is not necessarily susceptible to a partial analysis or summary description. Piper Sandler believes that its analyses must
be considered as a whole and that selecting portions of the factors and analyses to be considered without considering all factors and
analyses, or attempting to ascribe relative weights to some or all such factors and analyses, could create an incomplete view of the evaluation
process underlying its opinion. Also, no company included in Piper Sandler&rsquo;s comparative analyses described below is identical to
GrandSouth or First Bancorp and no transaction is identical to the merger. Accordingly, an analysis of comparable companies or transactions
involves complex considerations and judgments concerning differences in financial and operating characteristics of the companies and other
factors that could affect the public trading values or transaction values, as the case may be, of GrandSouth and First Bancorp and the
companies to which they were compared. In arriving at its opinion, Piper Sandler did not attribute any particular weight to any analysis
or factor that it considered. Rather, Piper Sandler made qualitative judgments as to the significance and relevance of each analysis and
factor. Piper Sandler did not form an opinion as to whether any individual analysis or factor (positive or negative) considered in isolation
supported or failed to support its opinion, rather, Piper Sandler made its determination as to the fairness of the exchange ratio to the
holders of GrandSouth common stock on the basis of its experience and professional judgment after considering the results of all its analyses
taken as a whole.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In performing its analyses,
Piper Sandler also made numerous assumptions with respect to industry performance, business and economic conditions and various other
matters, many of which cannot be predicted and are beyond the control of GrandSouth, First Bancorp, and Piper Sandler. The analyses performed
by Piper Sandler are not necessarily indicative of actual values or future results, both of which may be significantly more or less favorable
than suggested by such analyses. Piper Sandler prepared its analyses solely for purposes of rendering its opinion and provided such analyses
to the GrandSouth board at its June&nbsp;20, 2022 meeting. Estimates on the values of companies do not purport to be appraisals or necessarily
reflect the prices at which companies or their securities may actually be sold. Such estimates are inherently subject to uncertainty and
actual values may be materially different. Accordingly, Piper Sandler&rsquo;s analyses do not necessarily reflect the value of GrandSouth
common stock or First Bancorp common stock or the prices at which GrandSouth or First Bancorp common stock may be sold at any time. The
analyses of Piper Sandler and its opinion were among a number of factors taken into consideration by the GrandSouth board in making its
determination to adopt the merger agreement and the analyses described below should not be viewed as determinative of the decision of
the GrandSouth board with respect to the fairness of the exchange ratio.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>Summary of Proposed
Merger Consideration and Implied Transaction Metrics.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler reviewed the
financial terms of the proposed merger. Pursuant to the terms of the merger agreement, at the effective time of the merger each share
of GrandSouth common stock issued and outstanding immediately prior to the effective time of the transaction, except for certain shares
as set forth in the merger agreement, shall be converted into the right to receive 0.910 of a share of First Bancorp common stock. Piper
Sandler calculated an aggregate implied transaction value of approximately $181.0 million and an implied purchase price per share of $31.43
consisting of the implied value of 5,198,542 shares of GrandSouth common stock based on the closing price of First Bancorp common stock
on June&nbsp;17, 2022 and assuming the conversion of 282,828 shares of outstanding GrandSouth preferred stock into common stock and 655,983
options outstanding with a weighted average per share strike price of $18.22. Based upon financial information for GrandSouth as of or
for the last twelve months (&ldquo;LTM&rdquo;) ended March&nbsp;31, 2022 and the closing price of GrandSouth&rsquo;s common stock on June&nbsp;17,
2022, Piper Sandler calculated the following implied transaction metrics:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">60-Day <BR>Avg. Price</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">06/17/2022<BR> Closing Price</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Aggregate Transaction Multiples</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: center">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: center">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 74%; text-align: justify">Transaction Price / Tangible Book Value&sup1;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: right">210</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: right">189</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Price / LTM Net Income</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">12.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">x</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">x</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Price / Estimated 2022 Net Income&sup2;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">12.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">x</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.8</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">x</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Tangible Book Premium / Core Deposits (CDs &gt; $100K)&sup3;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Tangible Book Premium / Core Deposits (CDs &gt; $250K)&sup3;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Multiples per Share</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Price Per Share / Tangible Book Value Per Share&sup1;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">199</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">180</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Price Per Share / LTM Earnings Per Share</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.8</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">x</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">x</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Price Per Share / Estimated 2022 Earnings Per Share&sup2;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">x</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">x</TD></TR>
  </TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">1</TD><TD STYLE="text-align: justify">Assumes the conversion of outstanding preferred stock into common stock</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">2</TD><TD STYLE="text-align: justify">As provided by GrandSouth management</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">3</TD><TD STYLE="text-align: justify">Jumbo time deposits as of March&nbsp;31, 2022 per GrandSouth&rsquo;s call report</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>Stock Trading History.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler reviewed the
publicly available historical reported trading prices of GrandSouth common stock and First Bancorp common stock for the year-to-date and
three-year periods ended June&nbsp;17, 2022. Piper Sandler then compared the relationship between the movements in the price of GrandSouth
common stock and First Bancorp common stock, respectively, to movements in their respective peer groups (as described below) as well as
certain stock indices.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>GrandSouth&rsquo;s Year-to-Date Stock Performance</U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Beginning Value<BR> 12/31/2021</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Ending Value<BR> 6/17/2022</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 74%; text-align: justify">GrandSouth&#9;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: right">101.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">GrandSouth Peer Group</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">95.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">S&amp;P 500 Index</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">77.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">NASDAQ Bank Index&#9;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">79.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>GrandSouth&rsquo;s Three-Year Stock Performance</U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Beginning Value<BR> 6/17/2019</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Ending Value<BR> 6/17/2022</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 74%; text-align: justify">GrandSouth&#9;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 10%; text-align: right">179.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">GrandSouth Peer Group</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">112.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">S&amp;P 500 Index</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">127.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">NASDAQ Bank Index&#9;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">111.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  </TABLE>

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

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

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>First Bancorp&rsquo;s Year-to Date Stock
Performance</U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Beginning Value<BR> 12/31/2021</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Ending Value<BR> 6/17/2022</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%; font: 10pt Times New Roman, Times, Serif; text-align: justify">First Bancorp</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">75.5</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">First Bancorp Peer Group</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">86.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">S&amp;P 500 Index</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">77.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">NASDAQ Bank Index&#9;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">79.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>First Bancorp&rsquo;s Three-Year Stock Performance</U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Beginning Value<BR> 6/17/2019</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Ending Value<BR> 6/17/2022</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%; font: 10pt Times New Roman, Times, Serif; text-align: justify">First Bancorp&#9;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">96.0</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">First Bancorp Peer Group</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">112.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">S&amp;P 500 Index</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">127.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">NASDAQ Bank Index&#9;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">100</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">111.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>Comparable Company Analyses.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler used publicly
available information to compare selected financial information for GrandSouth with a group of financial institutions selected by Piper
Sandler. The GrandSouth peer group included major exchange and over-the-counter traded banks and thrifts headquartered in the Southeast
region with total assets between $1 billion and $1.5 billion, but excluded targets of announced merger transactions (the &ldquo;GrandSouth
Peer Group&rdquo;). The GrandSouth Peer Group consisted of the following companies:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Auburn National Bancorporation,&nbsp;Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Morris State Bancshares,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Benchmark Bankshares,&nbsp;Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mountain Commerce Bancorp,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chesapeake Financial Shares,&nbsp;Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Old Point Financial Corporation</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Citizens Bancorp Investment,&nbsp;Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Parkway Acquisition Corp.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Citizens Holding Company</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pinnacle Bankshares Corporation</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Eagle Financial Services,&nbsp;Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Security Federal Corporation</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">F&amp;M Bank Corp.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">South Atlantic Bancshares,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First National Corporation.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thomasville Bancshares,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First Miami Bancorp,&nbsp;Inc</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">United Bancorporation of Alabama,&nbsp;Inc.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The analysis compared publicly
available financial information for GrandSouth with corresponding data for the GrandSouth Peer Group as of or for the quarter ended March&nbsp;31,
2022 (unless otherwise noted) with pricing data as of June&nbsp;17, 2022. The table below sets forth the data for GrandSouth and the median,
mean, low and high data for the GrandSouth Peer Group.</P>

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">GrandSouth</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">GrandSouth</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">GrandSouth</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">GrandSouth</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Peer Group</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Peer Group</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Peer Group</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Peer Group</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">GrandSouth</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Median</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Mean</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Low</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">High</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%; font: 10pt Times New Roman, Times, Serif; text-align: justify">Total assets ($mm)</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,253</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,313</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,278</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,007</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,500</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Loans / Deposits (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">84.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">63.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">66.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">42.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">97.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Loan Loss Reserve / Gross Loans (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.49</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.07</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.18</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.64</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.25</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-performing assets<SUP>1 2 </SUP>/ Total assets (%)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.26</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.31</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.33</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.02</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.94</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible common equity / Tangible assets<SUP>3 4</SUP> (%)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.64</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.55</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.65</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.70</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.72</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 Leverage Ratio<SUP>5</SUP> (%)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.86</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.64</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.86</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.26</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.12</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total RBC Ratio<SUP>6 7</SUP>(%)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.57</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">13.98</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.53</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">12.02</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">19.32</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CRE / Total RBC Ratio<SUP>8</SUP> (%)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">238.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">211.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">214.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">134.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">350.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">MRQ Return on average assets (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.35</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.89</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.92</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.48</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.63</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">MRQ Return on average equity (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">16.65</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.88</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.05</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">5.85</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">20.15</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">MRQ Net interest margin (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4.42</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.16</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.08</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.20</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4.04</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">MRQ Efficiency ratio (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">58.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">69.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">67.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">41.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">82.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">MRQ Cost of Deposits<SUP>9</SUP> (%)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.26</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.18</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.20</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.10</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.49</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Price/Tangible book value<SUP>10</SUP> (%)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">158</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">121</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">135</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">78</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">336</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Price/LTM Earnings per share (x)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">5.8</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">16.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Price/2022 Estimated Earnings per share (x)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">12.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Price/2023 Estimated Earnings per share (x)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6.8</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Current Dividend Yield (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">5.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Market value<SUP>11</SUP> ($mm) </FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">151</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">109</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">134</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">49</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">393</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">1</TD><TD STYLE="text-align: justify">Bank level, regulatory financial data as of or for the period ended March&nbsp;31, 2022 for Morris State
Bancshares,&nbsp;Inc, Mountain Commerce Bancorp,&nbsp;Inc, Citizens Holding Company, F&amp;M Bank Corp., United Bancorporation of Alabama,&nbsp;Inc.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">2</TD><TD STYLE="text-align: justify">Nonperforming assets defined as nonaccrual loans and leases, renegotiated loans and leases, and real estate
owned</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">3</TD><TD STYLE="text-align: justify">Bank-level, regulatory financial data for Pinnacle Bankshares Corporation</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">4</TD><TD STYLE="text-align: justify">Total common equity / total assets assumes the conversion of GrandSouth outstanding preferred stock into
common stock</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">5</TD><TD STYLE="text-align: justify">Bank-level, regulatory financial data for Morris State Bancshares,&nbsp;Inc, First National Corporation,
Mountain Commerce Bancorp,&nbsp;Inc., Old Point Financial Corporation, Security Federal Corporation, South Atlantic Bancshares,&nbsp;Inc.,
F&amp;M Bank Corp., United Bancorporation of Alabama,&nbsp;Inc., Pinnacle Bankshares Corporation</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">6</TD><TD STYLE="text-align: justify">Bank-level, regulatory financial data for Morris State Bancshares,&nbsp;Inc, First National Corporation,
Mountain Commerce Bancorp,&nbsp;Inc., Old Point Financial Corporation, Security Federal Corporation, South Atlantic Bancshares,&nbsp;Inc.,
F&amp;M Bank Corp., United Bancorporation of Alabama,&nbsp;Inc., Pinnacle Bankshares Corporation</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">7</TD><TD STYLE="text-align: justify">Total RBC Ratio not applicable to Eagle Financial Services,&nbsp;Inc., given the company has elected into
the Community Bank Leverage Ratio framework</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">8</TD><TD STYLE="text-align: justify">Bank-level, regulatory financial data for all peers except Citizens Bancorp Investment,&nbsp;Inc., Chesapeake
Financial Shares,&nbsp;Inc., First Miami Bancorp,&nbsp;Inc.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">9</TD><TD STYLE="text-align: justify">Bank-level, regulatory financial data for South Atlantic Bancshares,&nbsp;Inc., Pinnacle Bancshares Corporation,&nbsp;Inc.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">10</TD><TD STYLE="text-align: justify">Price / Tangible Book Value assumes the conversion of GrandSouth outstanding preferred stock into common
stock</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">11</TD><TD STYLE="text-align: justify">Market capitalization assumes 5,481,370 common shares outstanding for GrandSouth</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Note: Financial data for Citizens
Bancorp Investment,&nbsp;Inc. and First Miami Bancorp,&nbsp;Inc. as of or for the period ending December&nbsp;31, 2021.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler used publicly
available information to perform a similar analysis for First Bancorp by comparing selected financial information for First Bancorp with
a group of financial institutions selected by Piper Sandler. The First Bancorp peer group included major exchange traded banks and thrifts
headquartered in the Southeast region with total assets between $5 billion and $20 billion, but excluded targets of announced merger transactions
and Live Oak Bancshares,&nbsp;Inc. (the &ldquo;First Bancorp Peer Group&rdquo;). The First Bancorp Peer Group consisted of the following
companies:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amerant Bancorp Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seacoast Banking Corporation of Florida</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Atlantic Union Bancshares Corporation</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ServisFirst Bancshares,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">City Holding Company</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The First Bancshares,&nbsp;Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">FB Financial Corporation</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">TowneBank</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Home Bancshares,&nbsp;Inc. (Conway, AR)</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Trustmark Corporation</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Renasant Corporation</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">WesBanco,&nbsp;Inc.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The analysis compared publicly
available financial information for First Bancorp with corresponding data for the First Bancorp Peer Group as of or for the quarter ended
March&nbsp;31, 2022 (unless otherwise noted) with pricing data as of June&nbsp;17, 2022. The table below sets forth the data for First
Bancorp and the median, mean, low and high data for the First Bancorp Peer Group.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>First Bancorp Comparable Company Analysis</U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">First <BR>
Bancorp</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">First <BR>
Bancorp</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">First<BR>
 Bancorp</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">First<BR>
 Bancorp</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt"><B>First</B></TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Peer Group</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Peer Group</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Peer Group</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Peer Group</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Bancorp</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Median</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Mean</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Low</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">High</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%; font: 10pt Times New Roman, Times, Serif; text-align: justify">Total assets ($mm)</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">10,652</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">16,003</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">13,784</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">6,012</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">19,782</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Loans / Deposits (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">64.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">71.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">73.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">54.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">99.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Loan Loss Reserve / Gross Loans (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.35</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.13</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.20</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.49</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.34</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-performing assets<SUP>1</SUP> / Total assets (%)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.46</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.37</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.35</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.10</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.73</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Tangible common equity/Tangible assets (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.22</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.13</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.26</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6.74</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.98</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Tier 1 Leverage Ratio (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.60</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.37</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.54</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.67</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.72</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Total RBC Ratio (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.99</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">15.91</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">15.80</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.43</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">21.58</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">CRE / Total RBC Ratio (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">278.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">219.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">221.8</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">150.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">294.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">MRQ Return on average assets (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.29</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.06</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.05</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.67</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.51</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">MRQ Return on average equity (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.23</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.45</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.25</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">5.88</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">19.82</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">MRQ Net interest margin (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.16</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.88</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.90</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.55</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.21</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">MRQ Efficiency ratio (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">48.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">58.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">59.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">30.8</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">79.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">MRQ Cost of Deposits (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.08</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.14</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.15</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.06</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.38</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Price/Tangible book value (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">167</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">156</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">180</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">129</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">353</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Price/LTM Earnings per share (x)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">12.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">19.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Price/2022 Estimated Earnings per share (x)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">12.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">16.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Price/2023 Estimated Earnings per share (x)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.8</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Current Dividend Yield (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Market value ($mm)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,231</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,852</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2,033</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">585</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4,185</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">1</TD><TD STYLE="text-align: justify">Nonperforming assets defined as nonaccrual loans and leases, renegotiated loans and leases, and real estate
owned</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><I>Analysis of Precedent Transactions.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler reviewed two
groups of merger and acquisition transactions, including a regional and nationwide group. The regional group consisted of bank and thrift
transactions announced between January&nbsp;1, 2021 and June&nbsp;17, 2022 with targets headquartered in the Southeast region, as defined
by S&amp;P Global Intelligence, with total assets between $500 million and $2 billion, but excluded transactions with private investors
and transactions with undisclosed deal values (the &ldquo;Regional Precedent Transactions&rdquo;). The nationwide group consisted of nationwide
bank and thrift transactions announced between January&nbsp;1, 2022 and June&nbsp;17, 2022 with targets with total assets between $500
million and $2 billion, but excluded deals with private investors and deals with undisclosed deal value (the &ldquo;Nationwide Precedent
Transactions&rdquo;).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Regional Precedent Transactions
group was composed of the following transactions:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="RIGHT" STYLE="font: 10pt Times New Roman, Times, Serif; width: 94%; border-collapse: collapse">
<TR>
<TD STYLE="border-bottom: Black 1pt solid; width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquiror</FONT></TD>
<TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Target</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">F.N.B. Corp.</TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0.5in">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">UB Bancorp</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DFCU Financial</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0.5in">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First Citrus Bancorp,&nbsp;Inc.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seacoast Banking Corporation of Florida</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0.5in">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Drummond Banking Company</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">United Community Banks Inc.</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0.5in">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Progress Financial Corporation</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The First Bancshares</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0.5in">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Beach Bancorp Inc.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seacoast Banking Corporation of Florida</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0.5in">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Apollo Bancshares/Apollo Bank</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Lake Michigan CU</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0.5in">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pilot Bancshares,&nbsp;Inc.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">Simmons First National Corp.<BR>
 Simmons First National Corp.</TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0.5in">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Landmark Community Bank <BR>
Triumph Bancshares Inc.</TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">United Bankshares Inc. <BR>
First Bancorp <BR>
United Community Banks Inc. <BR>
Colony Bankcorp Inc. <BR>
Peoples Bancorp Inc. <BR>
Seacoast Banking Corporation of Florida<BR>
 BancorpSouth Bank</TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; text-indent: 0.5in">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Community Bankers Trust Corporation <BR>
Select Bancorp Inc.<BR>
 Aquesta Financial Holdings <BR>
SouthCrest Financial Group Inc.<BR>
 Premier Financial Bancorp,&nbsp;Inc.<BR>
 Legacy Bank of Florida <BR>
FNS Bancshares Inc. <B>&nbsp;</B></TD></TR>
</TABLE><BR STYLE="clear: both">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Nationwide Precedent Transactions
group was composed of the following transactions:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="RIGHT" STYLE="font: 10pt Times New Roman, Times, Serif; width: 94%; border-collapse: collapse">
<TR>
<TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 49%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquiror</FONT></TD>
<TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
<TD STYLE="border-bottom: Black 1pt solid; vertical-align: bottom; width: 48%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Target</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">CrossFirst Bankshares Inc. F.N.B. Corp.</TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Farmers&nbsp;&amp; Stockmens Bank UB Bancorp</TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brookline Bancorp,&nbsp;Inc.</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">PCSB Financial Corp.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">DFCU Financial</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First Citrus Bancorp,&nbsp;Inc.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt">Seacoast Banking Corporation of Florida <BR>
United Community Banks Inc. <BR>
The First Bancshares</TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt">Drummond Banking Company<BR>
 Progress Financial Corp.<BR>
 Beach Bancorp Inc.</TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">National Bank Holdings Corp.</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Community Bancorp</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">National Bank Holdings Corp.</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bancshares of Jackson Hole Inc.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nicolet Bancshares Inc.</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Charter Bankshares Inc.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seacoast Banking Corporation of Florida</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Apollo Bancshares/Apollo Bank</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Hometown Financial Group MHC</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Randolph Bancshares Inc.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Farmers National Banc Corp.</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Emclaire Financial Corp.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Arizona FCU</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Horizon Community Bank</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fulton Financial Corporation</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Prudential Bancorp Inc.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Origin Bancorp Inc.</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BT Holdings Inc.</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BAWAG Group AG</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Peak Bancorp</FONT></TD></TR>
<TR>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank First Corporation</FONT></TD>
<TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify">&nbsp;</TD>
<TD STYLE="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Denmark Bancshares Inc.</FONT></TD></TR>
</TABLE><BR STYLE="clear: both">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Using the latest publicly
available information prior to the announcement of the relevant transaction, Piper Sandler reviewed the following transaction metrics:
transaction price to last-twelve-months earnings per share, transaction price to tangible book value per share, pay-to-trade ratio (defined
as the transaction price to tangible book value as a percentage of the buyer&rsquo;s then-current price to tangible book value), core
deposit premium, and 1-day market premium. Piper Sandler compared the indicated transaction metrics for the merger to the median, mean,
low and high metrics of the Regional Precedent Transactions group as well as to the median, mean, low and high metrics of the Nationwide
Precedent Transactions group.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Regional Precedent Transactions</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">First <BR>
Bancorp / <BR>GrandSouth</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Median</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Mean</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Low</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">High</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%; font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Price / LTM Earnings Per
    Share (x)</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">10.7</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">14.2</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">15.6</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">9.2</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">23.8</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Price / Tangible Book Value Per Share (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">180</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">167</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">172</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">139</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">217</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Pay-To-Trade (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">108</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">92</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">94</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">75</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">129</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Tangible Book Value Premium to Core Deposits
    (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">16.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">1-Day Market Premium (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">28.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">31.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">66.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: justify">&nbsp;</TD><TD STYLE="font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Nationwide Precedent Transactions</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">First <BR>
Bancorp / <BR>GrandSouth</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Median</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Mean</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Low</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">High</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%; font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Price / LTM Earnings Per
    Share (x)</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">10.7</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">14.3</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">15.4</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">9.2</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">26.5</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Transaction Price / Tangible Book Value Per Share (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">180</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">165</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">166</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">107</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">211</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Pay-To-Trade (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">108</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">93</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">95</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">68</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">120</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">Tangible Book Value Premium to Core Deposits (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">1-Day Market Premium (%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">29.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">34.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.2</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">63.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>Net Present Value Analyses.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler performed an
analysis that estimated the net present value of GrandSouth common stock assuming GrandSouth performed in accordance with certain internal
financial projections for GrandSouth for the years ending December&nbsp;31, 2022 through December&nbsp;31, 2025, as provided by the senior
management of GrandSouth. To approximate the terminal value of a share of GrandSouth common stock at June&nbsp;17, 2022, Piper Sandler
applied price to 2025 earnings multiples ranging from 8.0x to 12.0x and multiples of 2025 tangible book value ranging from 100% to 160%.
The terminal values were then discounted to present values using different discount rates ranging from 10.0% to 14.0%, which were chosen
to reflect different assumptions regarding required rates of return of holders or prospective buyers of GrandSouth common stock. As illustrated
in the following tables, the analysis indicated an imputed range of values per share of GrandSouth common stock of $27.40 to $45.79 when
applying multiples of earnings and $20.37 to $35.80 when applying multiples of tangible book value.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 60%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">Discount</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Rate</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">8.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">9.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">11.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">10.0</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">31.23</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">34.87</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">38.51</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">42.15</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right">45.79</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">30.21</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">33.73</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37.25</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40.77</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">44.29</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">12.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">29.24</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">32.64</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">36.04</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">39.44</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">42.85</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">13.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">28.30</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">31.59</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">34.88</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">38.17</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">41.46</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27.40</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">30.59</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">33.77</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">36.96</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40.14</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Tangible Book Value Per Share Multiples</U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 60%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">Discount</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Rate</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">100%</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">115%</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">130%</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">145%</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">160%</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">10.0</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">23.18</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">26.34</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">29.49</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">32.65</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right">35.80</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">22.43</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">25.48</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">28.53</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">31.58</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">34.63</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">12.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">21.72</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">24.66</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27.61</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">30.56</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">33.51</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">13.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">21.03</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">23.88</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">26.73</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">29.58</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">32.44</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">14.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">20.37</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">23.13</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">25.89</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">28.65</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">31.41</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler also considered
and discussed with the GrandSouth board how this analysis would be affected by changes in the underlying assumptions, including variations
with respect to earnings. To illustrate this impact, Piper Sandler performed a similar analysis, assuming GrandSouth&rsquo;s earnings
varied from 20.0% above projections to 20.0% below projections. This analysis resulted in the following range of per share values for
GrandSouth&rsquo;s common stock, applying the price to 2025 earnings multiples range of 8.0x to 12.0x referred to above and a discount
rate of 11.36%.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 60%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">Annual<BR>
 Estimate</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Variance</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">8.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">9.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">11.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">(20.0</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%)</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">24.29</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">27.08</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">29.86</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">32.64</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right">35.42</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(10.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27.08</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">30.20</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">33.33</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">36.46</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">39.59</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">29.86</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">33.33</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">36.81</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40.29</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">43.76</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">32.64</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">36.46</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40.29</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">44.11</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">47.93</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">20.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">35.42</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">39.59</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">43.76</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">47.93</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">52.10</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler also performed
an analysis that estimated the net present value per share of First Bancorp common stock, assuming First Bancorp performed in accordance
with publicly available analyst earnings estimates for First Bancorp for the years ending December&nbsp;31, 2022 and December&nbsp;31,
2023, as well as a long-term annual earnings growth rate for the years ending December&nbsp;31, 2024 and December&nbsp;31, 2025 and estimated
dividends per share for First Bancorp for the years ending December&nbsp;31, 2022 through December&nbsp;31, 2025, as provided by the senior
management of First Bancorp. To approximate the terminal value of a share of First Bancorp common stock at June&nbsp;17, 2022, Piper Sandler
applied price to 2025 earnings multiples ranging from 10.0x to 14.0x and multiples of 2025 tangible book value ranging from 140% to 200%.
The terminal values were then discounted to present values using different discount rates ranging from 7.0% to 11.0%, which were chosen
to reflect different assumptions regarding required rates of return of holders or prospective buyers of First Bancorp common stock. As
illustrated in the following tables, the analysis indicated an imputed range of values per share of First Bancorp common stock of $34.76
to $54.50 when applying multiples of earnings and $35.20 to $56.26 when applying multiples of tangible book value.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 60%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">Discount</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Rate</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">11.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">13.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">14.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">7.0</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">39.73</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">43.42</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">47.12</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">50.81</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right">54.50</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">38.41</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">41.97</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">45.54</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">49.10</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">52.67</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37.14</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40.58</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">44.03</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">47.47</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">50.92</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">35.92</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">39.25</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">42.58</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">45.91</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">49.24</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">34.76</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37.98</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">41.20</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">44.41</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">47.63</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Tangible Book Value Per Share Multiples</U></B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 60%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">Discount</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Rate</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">140%</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">155%</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">170%</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">185%</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">200%</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">7.0</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">40.23</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">44.24</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">48.25</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">52.25</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right">56.26</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">38.89</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">42.76</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">46.63</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">50.50</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">54.37</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37.61</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">41.34</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">45.08</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">48.82</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">52.56</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">36.38</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">39.99</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">43.60</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">47.22</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">50.83</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">11.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">35.20</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">38.69</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">42.18</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">45.68</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">49.17</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler also considered
and discussed with the GrandSouth board of directors how this analysis would be affected by changes in the underlying assumptions, including
variations with respect to earnings. To illustrate this impact, Piper Sandler performed a similar analysis assuming First Bancorp&rsquo;s
earnings varied from 20.0% above estimates to 20.0% below estimates. This analysis resulted in the following range of per share values
for First Bancorp common stock, applying the price to 2025 earnings multiples range of 10.0x to 14.0x referred to above and a discount
rate of 8.76%.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 60%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">Annual <BR>
Estimate</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; font-size: 10pt; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; font-size: 10pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">Variance</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">10.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">11.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">12.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">13.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center">14.0x</TD><TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">(20.0</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%)</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">30.49</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">33.27</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">36.04</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 14%; font: 10pt Times New Roman, Times, Serif; text-align: right">38.82</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 13%; font: 10pt Times New Roman, Times, Serif; text-align: right">41.60</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">(10.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">33.96</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37.09</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40.21</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">43.34</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">46.46</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">0.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">37.43</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40.91</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">44.38</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">47.85</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">51.33</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">40.91</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">44.73</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">48.55</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">52.37</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">56.19</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">20.0</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">44.38</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">48.55</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">52.71</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">56.88</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">61.05</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler noted that the
net present value analysis is a widely used valuation methodology, but the results of such methodology are highly dependent upon the numerous
assumptions that must be made, and the results thereof are not necessarily indicative of actual values or future results.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>Pro Forma Transaction
Analysis.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler analyzed certain
potential pro forma effects of the merger on First Bancorp assuming the transaction closes on December&nbsp;31, 2022. Piper Sandler utilized
the following information and assumptions: (a)&nbsp;estimated net income for GrandSouth for the years ending December&nbsp;31, 2022 through
December&nbsp;31, 2025, as provided by senior management of GrandSouth, (b)&nbsp;publicly available analyst earnings estimates for First
Bancorp for the years ending December&nbsp;31, 2022 and December&nbsp;31, 2023, as well as a long-term annual earnings growth rate for
the years ending December&nbsp;31, 2024 and December&nbsp;31, 2025 and estimated dividends per share for First Bancorp for the years ending
December&nbsp;31, 2022 through December&nbsp;31, 2025, as provided by the senior management of First Bancorp, and (c)&nbsp;certain assumptions
relating to transaction expenses, purchase accounting adjustments and cost savings, certain adjustments for CECL accounting standards,
as provided by senior management of First Bancorp. The analysis indicated that the transaction could be accretive to First Bancorp&rsquo;s
estimated earnings per share (excluding one-time transaction costs and expenses) in the years ending December&nbsp;31, 2023 through December&nbsp;2025
and dilutive to First Bancorp&rsquo;s estimated tangible book value per share at close and in the years ending December&nbsp;31, 2023
and December&nbsp;31, 2024 and accretive to First Bancorp&rsquo;s estimated tangible book value per share in the year ending December&nbsp;31,
2025.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In connection with this analysis,
Piper Sandler considered and discussed with the GrandSouth board how the analysis would be affected by changes in the underlying assumptions,
including the impact of final purchase accounting adjustments determined at the closing of the transaction, and noted that the actual
results achieved by the combined company may vary from projected results and the variations may be material.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>Piper Sandler&rsquo;s
Relationship.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler is acting as
GrandSouth&rsquo;s financial advisor in connection with the merger and will receive a fee for such services in an amount equal to 1.30%
of the aggregate purchase price, 75% of which fee is contingent upon the closing of the merger. At the time of announcement of the merger
Piper Sandler&rsquo;s fee was approximately $2.35 million. Piper Sandler also received a $200,000 fee from GrandSouth upon rendering its
opinion, which opinion fee will be credited in full towards the portion of the transaction fee which will become payable to Piper Sandler
upon closing of the transaction. GrandSouth has also agreed to indemnify Piper Sandler against certain claims and liabilities arising
out of Piper Sandler&rsquo;s engagement and to reimburse Piper Sandler for certain of its out-of-pocket expenses incurred in connection
with Piper Sandler&rsquo;s engagement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler did not provide
any investment banking services to GrandSouth in the two years preceding the date of its opinion, nor did Piper Sandler provide any investment
banking services to First Bancorp in the two years preceding the data of its opinion. In the ordinary course of Piper Sandler&rsquo;s
business as a broker-dealer, Piper Sandler may purchase securities from and sell securities to GrandSouth and First Bancorp. Piper Sandler
may also actively trade the equity and debt securities of GrandSouth and First Bancorp for Piper Sandler&rsquo;s account and for the accounts
of Piper Sandler&rsquo;s customers.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="f_001"></A>Interests of GrandSouth&rsquo;s Directors and
Executive Officers in the Merger</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In considering the recommendations
of the GrandSouth board with respect to the merger, you should be aware that executive officers and members of the GrandSouth board have
agreements or arrangements that provide them with interests in the merger, including financial interests, which may be different from,
or in addition to, the interests of the other shareholders of GrandSouth. The GrandSouth board was aware of these interests during its
deliberations of the merits of the merger and in determining to recommend to GrandSouth shareholders that they vote for the merger proposal.
The amounts set forth in the discussions below regarding director and executive officer compensation are based on compensation levels
as of the date of this proxy statement/prospectus unless otherwise specified.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>Indemnification and Insurance</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For a period of six years
after the effective time of the merger, First Bancorp has agreed to indemnify, defend, and hold harmless the present and former directors
and executive officers of GrandSouth against all liabilities arising out of actions or omissions arising out of their service as directors,
officers, employees, or agents of GrandSouth or, at GrandSouth&rsquo;s request, of another corporation, partnership, joint venture, trust,
or other enterprise occurring at or prior to the effective time (including the merger and the other transactions contemplated by the merger
agreement) to the fullest extent permitted by applicable law and by GrandSouth&rsquo;s articles of incorporation and bylaws in effect
on the date of the merger agreement, including provisions related to advances of expenses incurred in the defense of any litigation and
regardless of whether First Bancorp is insured against any such matter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Prior to the effective time
of the merger, First Bancorp has agreed to purchase, or will direct GrandSouth to purchase, an extended reporting period endorsement under
GrandSouth&rsquo;s existing directors&rsquo; and officers&rsquo; liability insurance coverage for acts or omissions occurring prior to
the effective time of the merger by the directors and officers currently covered under GrandSouth&rsquo;s existing insurance coverage.
This endorsement will provide such GrandSouth directors and officers with coverage for a period of six years following the effective time
of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>Existing Employment Agreements
and Salary Continuation Agreement</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth
and GrandSouth Bank previously entered into employment agreements with two of their three executive officers: </FONT>J.B. Schwiers (President
and Chief Executive Officer of GrandSouth Bank and President and Chief Operating Officer of GrandSouth) and J.B. Garrett (Chief Financial
Officer of GrandSouth and GrandSouth Bank), as well as three non-executive officers. Neither GrandSouth nor GrandSouth Bank have entered
into an employment agreement with Mason Y. Garrett (Chief Executive Officer and Chairman of GrandSouth).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Pursuant to his employment
agreement, following a change in control, such as the merger, Mr.&nbsp;Schwiers will be entitled to receive the compensation and benefits
that would otherwise have been payable to him over the three year period subsequent to the change in control, regardless as to whether
he is terminated. Mr.&nbsp;Schwiers&rsquo; employment agreement provides that in the event the aggregate of all payments and benefits
made to him constitute an &ldquo;excess parachute payment&rdquo; as such term is defined in Section&nbsp;280G(b)&nbsp;of the Code, such
payments and benefits will be reduced or eliminated to the extent necessary to ensure that such payments and benefits will not be deemed
to constitute an &ldquo;excess parachute payment&rdquo; (which we refer to as a &ldquo;280G cutback provision&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">J.B. Garrett&rsquo;s employment
agreement provides that in the event he is terminated without &ldquo;cause&rdquo; or for &ldquo;good reason&rdquo; within two years of
a change in control, such as the merger, he will be entitled to receive the compensation and benefits that would otherwise have been payable
to him over the three year period subsequent to the termination. Mr.&nbsp;Garrett&rsquo;s employment agreement also contains an optional
280G cutback provision, effective at his discretion. It is anticipated that Mr.&nbsp;Garrett will, to the extent necessary, voluntarily
agree to have the payments and benefits he is entitled to under his employment agreement reduced to the minimum extent necessary to avoid
the imposition of any excise taxes on such payments.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth Bank previously
entered into a Salary Continuation Agreement with Mr.&nbsp;Schwiers that provides for an annual supplemental retirement benefit of $100,000
to be paid in 12 equal monthly installments payable on the first day of each month, beginning with the month immediately after the month
in which he attains the normal retirement age, otherwise 65 years of age, and for a 15-year term certain period, unless a separation from
service occurs before his normal retirement age. The benefits under the Salary Continuation Agreement do not accelerate vesting or payment
of amounts upon a change in control.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the assumptions
and limitations discussed in this section and in this proxy statement/prospectus under the section &ldquo;The Merger&mdash;Merger-Related
Compensation for GrandSouth&rsquo;s Named Executive Officers,&rdquo; and assuming the effective time of the merger occurred on September
30, 2022, the aggregate value of the benefits and amounts that each of GrandSouth&rsquo;s executive officers would be entitled to receive
in the event of a qualifying termination of employment as a result of the merger are approximately as follows:&thinsp; Mason Y. Garrett
 &ndash; $0; J.B. Schwiers &ndash; $2,553,422 and J.B. Garrett &ndash; $1,029,638. Applying the same assumptions and limitations, an additional
aggregate amount of $2,871,272 would be payable to three non-executive officers in the event of qualifying terminations of employment
as a result of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>New Employment and Consulting
Agreements</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Following the execution of
the merger agreement, First Bancorp and First Bank entered into an employment agreement with Mr.&nbsp;Schwiers, President and Chief Executive
Officer of GrandSouth Bank and President and Chief Operating Officer of GrandSouth. A copy of the employment agreement is attached to,
and incorporated by reference into, this proxy statement/prospectus as <U>Annex D</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Mr.&nbsp;Schwiers&rsquo; employment
agreement provides for the employment of Mr.&nbsp;Schwiers as President &ndash; South Carolina Banking of First Bancorp and First Bank,
for a one-year term commencing upon the effective time of the merger and renewing annually unless either party gives written notice of
non-renewal. He will receive a base salary of $510,000 and will be entitled to participate in all annual incentive plans of First Bank
and be eligible for an annual incentive payment opportunity of up to 40% of his base salary based on the performance of First Bank&rsquo;s
South Carolina commercial and retail banking operations. In addition, as compensation for additional duties and responsibilities to be
assigned to Mr.&nbsp;Schwiers in connection with the conversion of the core processing and other systems of GrandSouth Bank to those of
First Bank and the integration of GrandSouth Bank&rsquo;s operations and employees into those of First Bank, he will receive a bonus of
$300,000 payable within 30 calendar days following completion of conversion of the core processing and other systems of GrandSouth Bank
to those of First Bank. He will also be entitled to receive an inducement grant, made as soon as practicable following the effective time
of the merger, of 28,360 restricted shares of First Bancorp common stock. These restricted shares will vest on the third anniversary of
the date of grant, subject to his continuous employment by First Bank throughout such vesting period. The employment agreement also provides
for severance payments equal to (i)&nbsp;1.0 times his then base salary if First Bank terminates his employment without cause or if he
terminates employment for &ldquo;good reason&rdquo; prior to the expiration of his employment agreement, or (ii)&nbsp;2.99 times his then
base salary if First Bank terminates his employment without cause within 12 months following a change in control or if he terminates employment
for &ldquo;good reason&rdquo; within 12 months following a change in control. Also, as consideration for agreeing to certain additional
non-compete and non-solicit covenants for a period following the end of his employment (which we refer to as the &ldquo;restricted period&rdquo;),
Mr.&nbsp;Schwiers will receive the sum of $575,000 payable in 12 equal monthly instalments during the restricted period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">It is anticipated that J.B.
Garrett&rsquo;s existing employment agreement will be terminated in connection with the closing of the merger. In order to secure Mr.&nbsp;Garrett&rsquo;s
continued assistance and support for a period of time following the merger, First Bancorp and First Bank have entered into a six-month
consulting agreement with Mr.&nbsp;Garrett pursuant to which Mr.&nbsp;Garrett will be paid $16,667 per month as compensation for providing
certain consulting services. Also, as consideration for agreeing to certain additional non-compete and non-solicit covenants for a period
following the end of his employment (which we refer to as the &ldquo;restricted period&rdquo;), Mr.&nbsp;Garrett will receive the sum
of $150,000 payable in 12 equal monthly instalments during the restricted period. A copy of Mr.&nbsp;Garrett&rsquo;s consulting agreement
is attached to, and incorporated by reference into, this proxy statement/prospectus as <U>Annex E</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>Support Agreements</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As an inducement to and a
condition to First Bancorp&rsquo;s willingness to enter into the merger agreement, each of the directors and executive officers of GrandSouth
and GrandSouth Bank entered into a support agreement with First Bancorp.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pursuant
to the support agreements, the directors and executive officers of GrandSouth have agreed to vote their shares of GrandSouth stock in
favor of the merger agreement and not sell or otherwise dispose their shares, except with the prior approval of First Bancorp;&nbsp;<I>provided</I>&nbsp;that
such support agreements terminate at the effective time of the merger, in the event that the merger agreement is terminated in accordance
with its terms or in the event the GrandSouth board withdraws its recommendation in favor of the merger or approves or recommends an
acquisition proposal from another party. </FONT>As of the record date, the directors and executive officers of GrandSouth and GrandSouth
Bank were entitled to vote approximately (i) 1,646,765 shares, or approximately 31.5% of the outstanding shares of GrandSouth common
stock, and (ii) 27,087 shares, or approximately 9.6%, of the outstanding shares of GrandSouth preferred stock. For more information regarding
the support agreements, see the section of this proxy statement/prospectus entitled &ldquo;The Merger Agreement&mdash;Support Agreements&rdquo;
beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>]. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>Appointment of GrandSouth
Directors</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As of the effective time of
the merger, First Bancorp will increase the size of the First Bancorp board to 16 members and appoint two current members of the GrandSouth
board, as approved by First Bancorp, to the boards of directors of First Bancorp and First Bank. GrandSouth has designated, and First
Bancorp has approved Mason Y. Garrett and J. Randolph Potter to be appointed to the boards of First Bancorp and First Bank. Members of
the First Bancorp board are expected to receive compensation consistent with the compensation paid to current non-employee directors of
First Bancorp, as described in the <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000110465922036441/tm228871-2_def14a.htm" STYLE="-sec-extract: exhibit">definitive proxy statement for First Bancorp&rsquo;s 2022 annual meeting of shareholders, which was filed with the SEC on March&nbsp;22, 2022</A>, and is incorporated by reference into this proxy statement/prospectus. For 2022, such compensation
included an annual cash retainer fee of $32,000 and a grant of shares of First Bancorp common stock with a value of approximately $32,000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>GrandSouth Stock Options</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
directors and executive officers of GrandSouth held stock options to purchase an aggregate of 209,183 shares of common stock as </FONT>of
the record date. As of the record date, 131,183 of the outstanding options held by the directors and executive officers were fully vested.
See &ldquo;Security Ownership of Certain Beneficial Owners and Management of GrandSouth&rdquo; on page&nbsp;[&bull;] of this proxy statement/prospectus
for additional information on the number of vested stock options held by each of the GrandSouth directors and executive officers. At
the effective time of the merger, any unvested options to purchase shares of GrandSouth common stock will accelerate under applicable
change in control provisions in the GrandSouth Option Plans and each outstanding and unexercised stock option will convert into an option
to acquire First Bancorp common stock, adjusted based on the 0.91 exchange ratio. As of the record date, 78,000 of the outstanding options
held by the directors and executive officers were unvested. As of the record date, the aggregate value of the unvested stock options
held by GrandSouth&rsquo;s directors for which vesting will be accelerated is $1,195,560. </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For an estimate of the value
of the stock options held by the GrandSouth&rsquo;s named executive officers for which vesting will be accelerated, see &ldquo;Merger-Related
Compensation for GrandSouth&rsquo;s Named Executive Officers&mdash;Golden Parachute Compensation&rdquo; below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: -0.25in"><B><A NAME="f_002"></A>Merger-Related
Compensation for GrandSouth&rsquo;s Named Executive Officers</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-align: justify; text-indent: -0.25in"><I>Golden Parachute
Compensation</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
following table sets forth the information required by Item 402(t)&nbsp;of Regulation&nbsp;S-K&nbsp;promulgated by the SEC, regarding
certain merger-related compensation that the GrandSouth named executive officers may be entitled to receive pursuant to their existing
agreements with GrandSouth. The amounts are calculated assuming that (i)&nbsp;the effective date of the merger occurred on September&nbsp;30,
2022 (which is an assumed date solely for the purposes of calculations in this section), (ii)&nbsp;Mr.&nbsp;J.B. Garrett experiences a
qualifying termination immediately following the merger, and (iii)&nbsp;the amounts below are determined using a price per share of GrandSouth
common stock of $30.66, the average closing price per share over the first five business days following the announcement of the merger
agreement, and are based on GrandSouth equity awards that were outstanding as of June&nbsp;1, 2022. The merger-related compensation payable
to the GrandSouth named executive officers is subject to a&nbsp;non-binding&nbsp;advisory vote of holders of GrandSouth common stock,
as described under &ldquo;</FONT>Proposal No.&nbsp;2 &ndash; Merger-Related Compensation Proposal&rdquo; beginning on page&nbsp;[&#9679;].</P>

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

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

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

<!-- Field: Split-Segment; Name: a6 -->
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in; background-color: white">The
calculations in the table do not include amounts that GrandSouth&rsquo;s named executive officers were already entitled to receive or
vested in as of the date of this prospectus/proxy statement. In addition, these amounts do not reflect compensation actions that may occur
after the date of this prospectus/proxy statement but before the effective time of the merger. As a result of the foregoing assumptions,
which may or may not actually occur or be accurate on the relevant date, including the assumptions described in the footnotes to the table,
the actual amounts, if any, to be received by a named executive officer may materially differ from the amounts set forth below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>Golden Parachute Compensation</B></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid">Name</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Cash</B></FONT><B><FONT STYLE="font-size: 10pt"><SUP>(1)</SUP></FONT></B></TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Equity</B></FONT><B><FONT STYLE="font-size: 10pt"><SUP>(2)</SUP></FONT></B></TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Pension/</B></FONT><FONT STYLE="font-size: 10pt"><BR> <B>NQDC<SUP>(3)</SUP></B></FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Perquisites/</B></FONT><FONT STYLE="font-size: 10pt"><BR> <B>Benefits<SUP>(4)</SUP></B></FONT></TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Tax<BR> Reimbursement</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Other</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">Mason Y. Garrett</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 23%; font: bold 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">John B. Schwiers</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">2,222,364</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">331,058</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">2,553,422</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: left; text-indent: -12pt; padding-left: 12pt">John B. Garrett</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">864,109</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">165,529</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">&mdash;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">$</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,029,638</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  </TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(1)</TD><TD><I>Cash</I>.</TD></TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">a)</TD><TD STYLE="text-align: justify">With respect to Mr.&nbsp;Schwiers, the amount in this column reflects a &ldquo;single trigger&rdquo; lump
sum cash payment to which he is entitled under his employment agreement following consummation of the merger. Mr.&nbsp;Schwiers&rsquo;
employment agreement provides that this &ldquo;single trigger&rdquo; payment amount is equal to (1)&nbsp;three times the sum of (x)&nbsp;executive&rsquo;s
annual salary, plus (y)&nbsp;the executive&rsquo;s three-year average bonus, plus (z)&nbsp;annual benefits and (2)&nbsp;a pro-rated 2022
bonus in the amount of $187,500.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">b)</TD><TD STYLE="text-align: justify">With respect to Mr.&nbsp;J.B. Garrett, the amount in this column reflects a &ldquo;double-trigger&rdquo;
lump sum cash payment to which he is entitled under his employment agreement if he experiences a qualifying termination in the period
ending 24 months following the merger. Mr.&nbsp;Garrett&rsquo;s employment agreement provides that this &ldquo;double trigger&rdquo; payment
amount is equal to (1)&nbsp;three times the sum of (x)&nbsp;executive&rsquo;s annual salary, plus (y)&nbsp;the executive&rsquo;s three-year
average bonus, plus (z)&nbsp;annual benefits and (2)&nbsp;a pro-rated 2022 bonus in the amount of $56,250.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">c)</TD><TD STYLE="text-align: justify">As noted above, Mr.&nbsp;Schwiers&rsquo; employment agreement is subject to a 280G cutback provision,
and Mr.&nbsp;J.B. Garrett&rsquo;s employment agreement is subject to an optional 280G cutback provision whereby payments deemed &ldquo;parachute
payments&rdquo; as defined in section 280G(b)(2)&nbsp;of the Code would be subject to reduction to the minimum extent necessary that will
result in no portion of the benefit payments being subject to the tax imposed by section 4999 of the Code or cause a disallowance of the
compensation deduction for the employer. The amounts disclosed in the table above do not reflect any such reductions.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(2)</TD><TD STYLE="text-align: justify"><I>Equity</I>. The amounts in this column reflect the value of &ldquo;single trigger&rdquo; vesting of
each executive&rsquo;s unvested GrandSouth stock options. At the effective time of the merger, any unvested options to purchase shares
of GrandSouth common stock will accelerate under applicable change in control provisions in the GrandSouth Option Plans and each outstanding
and unexercised stock option will be converted into a stock option to purchase shares of First Bancorp common stock, adjusted for the
0.91 exchange ratio.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(3)</TD><TD STYLE="text-align: justify"><I>Pension/NQDC</I>. Mr.&nbsp;Schwiers is the only named executive officer subject to a Salary Continuation
Agreement. Mr.&nbsp;Schwiers is one-third vested in the Salary Continuation Agreement, which does not accelerate vesting or payment upon
a change in control, such as the merger. Further, for purposes of the calculation in this table, GrandSouth has assumed that his Salary
Continuation Agreement will be assumed by First Bancorp and paid out according to its terms.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in">(4)</TD><TD STYLE="text-align: justify">Estimated payments relating to perquisites and other benefits are included in the cash payment for each
executive.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_001"></A><B>Public Trading Markets</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Bancorp common stock is listed for trading on the NASDAQ GSM under the symbol &ldquo;FBNC&rdquo; and GrandSouth common sto</FONT>ck is
quoted on the OTCQX under the symbol &ldquo;GRRB.&rdquo; Upon completion of the merger, GrandSouth common stock will no longer be quoted
on the OTCQX and will be de-registered under the Exchange Act. It is a condition to each party&rsquo;s obligations to complete the merger
that the First Bancorp common stock to be issued pursuant to the merger agreement be authorized for listing on the NASDAQ GSM (subject
to official notice of issuance). Following the merger, shares of First Bancorp common stock will continue to be traded on the NASDAQ GSM
under the symbol &ldquo;FBNC.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_002"></A><B>First Bancorp&rsquo;s Dividend Policy</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the approval of
the board of directors of the surviving corporation, it is the current intention of First Bancorp that, following the completion of the
merger, the quarterly dividend of $0.20 on First Bancorp common stock will remain unchanged. However, the First Bancorp board may change
its dividend policy at any time and no assurances can be given that dividends will continue to be paid by the surviving corporation or
that dividends, if paid, will not be reduced or eliminated in future periods because any such dividend would be dependent upon the surviving
corporation&rsquo;s future earning, capital requirements and financial condition. In addition, the payment of dividends by bank holding
companies is subject to legal and regulatory limitations. Special cash dividends, stock dividends or returns of capital may, to the extent
permitted by the policies and regulations of the Federal Reserve Board, be paid in addition to, or in lieu of, regular cash dividends.
Dividends from First Bancorp will depend, in large part, upon receipt of dividends from First Bank, and any other banks which First Bancorp
acquires, because First Bancorp will have limited sources of income other than dividends from First Bank. For further information, see
the section of this proxy statement/prospectus entitled &ldquo;Comparative Market Prices and Dividends&rdquo; beginning on page&nbsp;[&bull;].</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_003"></A><B>Dissenters&rsquo; Rights in the Merger</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Under
South Carolina law, holders of GrandSouth common and preferred stock will be entitled to dissent from the merger and to obtain payment
in cash of the fair value of his or her shares of GrandSouth common and preferred stock. S</FONT>hareholders who receive a fair value
cash payment will not be entitled to receive the merger consideration offered in the merger. <B>If you are contemplating exercising your
right to dissent, we urge you to read carefully the provisions of Chapter 13 of the SCBCA, a copy of which is attached to this proxy statement/prospectus
as <U>Annex B</U> and which qualify in all respects the following discussion of those provisions, and consult with your legal counsel
before electing or attempting to exercise these rights.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Unless otherwise required
by context, all references in Sections 33-13-101 to 33-13-310 of the SCBCA and in this section to a &ldquo;shareholder&rdquo; are to the
holder of record or the beneficial owner of the shares of GrandSouth common and preferred stock as to which dissenters&rsquo; rights are
asserted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Requirements of Dissenters&rsquo; Rights</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If you wish to assert your
right to dissent to the merger, you must satisfy all of the following conditions:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">you must deliver to GrandSouth, <U>before</U> the vote on the merger proposal is taken, written notice
of your intent to demand payment for your shares if the merger is effectuated. This notice must be in addition to and separate from any
proxy or vote against the merger. Neither voting against, abstaining from voting, nor failing to vote on the merger will constitute a
notice within the meaning of Chapter 13 of the SCBCA; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">you must not vote your shares in favor of the merger proposal. A failure to vote will satisfy this requirement,
as will a vote against the merger proposal, but a vote in favor of the merger proposal, by proxy or in person, or the return of a signed
proxy which does not either specify a vote against the merger proposal or contain a direction to abstain, will constitute a waiver of
the shareholder&rsquo;s dissenters&rsquo; rights with respect to all of such shareholder&rsquo;s shares. (A vote in favor of the merger
proposal cast by the holder of a proxy solicited by GrandSouth will not disqualify you from demanding payment for your shares.)</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If you do not satisfy the
above requirements and the merger become effective, you will not be entitled to payment for your shares under the provisions of Chapter
13 of the SCBCA.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If you desire to assert dissenters&rsquo;
rights, your written notice should be addressed to:</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">381 Halton Road&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Greenville, South Carolina 29607&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Attention: J.B. Garrett, Chief Financial Officer</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This notice should be executed
by the shareholder of record desiring to assert dissenters&rsquo; rights. A beneficial owner may assert dissenters&rsquo; rights only
if the beneficial owner dissents with respect to all shares of GrandSouth common and preferred stock of which the shareholder is the beneficial
owner or over which such beneficial owner has power to direct the vote. A beneficial holder of shares of GrandSouth common and preferred
stock asserting dissenters&rsquo; rights with respect to shares held on such owner&rsquo;s behalf must notify GrandSouth in writing of
the name and address of the record shareholder of the GrandSouth shares, if known to the beneficial owner.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A record shareholder of GrandSouth
stock must assert dissenters&rsquo; rights with respect to all shares registered in such holder&rsquo;s name, unless such holder is the
record shareholder for multiple beneficial owners. A record shareholder, such as a broker, who holds shares of GrandSouth stock as a nominee
for others may exercise dissenters&rsquo; rights with respect to the shares held for all or less than all beneficial owners of shares
as to which such person is the record owner, provided such record owner dissents with respect to all shares beneficially owned by any
one person. In such case, the notice submitted by the broker as record owner must set forth the name and address of the beneficial shareholder
who is objecting to the merger and demanding payment for such person&rsquo;s shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Dissenters&rsquo; Notice from GrandSouth</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If a shareholder properly
dissents from the merger and the merger proposal is approved at the special meeting, GrandSouth will mail a written dissenters&rsquo;
notice to each dissenting shareholder not later than ten days after the date the merger proposal is approved at the special meeting. The
dissenters&rsquo; notice will:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">state where the dissenting shareholder&rsquo;s payment demand must be sent, and where such shareholder&rsquo;s
stock certificates must be deposited;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">inform holders of uncertificated shares to what extent transfer of the shares is to be restricted after
the payment demand is received;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">supply a form for demanding payment that includes the date of the first announcement of the terms of the
proposed merger and requires that the person asserting dissenters&rsquo; rights certify whether or not such shareholder or, if such shareholder
is a nominee asserting dissenters&rsquo; rights on behalf of a beneficial shareholder, the beneficial shareholder acquired beneficial
ownership of the shares before that date of first announcement;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">set a date by which GrandSouth must receive the dissenting shareholder&rsquo;s payment demand (such date
to be not fewer than 30 days nor more than 60 days after the date GrandSouth&rsquo;s dissenters&rsquo; notice is delivered to the shareholder);
and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">include a copy of Chapter 13 of the SCBCA.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A shareholder who receives
a dissenters&rsquo; notice must demand payment, certify whether the shareholder (or the beneficial shareholder on whose behalf the holder
is asserting dissenters&rsquo; rights) acquired beneficial ownership of the shares before the date of first public announcement of the
terms of the proposed merger, and deposit the shareholder&rsquo;s share certificates in accordance with the terms of the dissenters&rsquo;
notice. If a dissenting shareholder demands payment and deposits such shareholder&rsquo;s share certificates, the shareholder will retain
all other rights of a GrandSouth shareholder until these rights are canceled or modified by the consummation of the merger. If a dissenting
shareholder does not demand payment or deposit such shareholder&rsquo;s share certificates where required, each by the date set in the
GrandSouth dissenters&rsquo; notice, the shareholder will not be entitled to payment for the shareholder&rsquo;s shares under Chapter
13 of the SCBCA.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>GrandSouth&rsquo;s Payment to Dissenting Shareholders</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As soon as the merger is consummated,
or upon receipt of a payment demand, GrandSouth will pay to each dissenting shareholder who complied with the requirements set forth above
the amount GrandSouth estimates to be the fair value of the shareholder&rsquo;s shares, plus accrued interest. The payment must be accompanied
by:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><FONT STYLE="font-family: Symbol">&middot;</FONT></FONT></TD><TD STYLE="text-align: justify">GrandSouth&rsquo;s balance sheet as of the end of a fiscal year ending not more than 16 months before
the date of payment, an income statement for that year, a statement of changes in shareholders&rsquo; equity for that year, and the latest
available interim financial statements, if any;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a statement of GrandSouth&rsquo;s estimate of the fair value of the shares and an explanation of how the
fair value was calculated;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">an explanation of how the interest was calculated;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a statement of the dissenter&rsquo;s right to demand additional payment; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a copy of Chapter 13 of the SCBCA.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If GrandSouth does not consummate
the proposed merger within 60 days after the date set for demanding payment and depositing GrandSouth share certificates, GrandSouth,
within the same 60-day period, must return the deposited certificates and release the transfer restrictions imposed on any uncertificated
shares. If, after returning deposited certificates and releasing transfer restrictions, the merger is consummated, GrandSouth must send
a new dissenters&rsquo; notice and repeat the payment demand procedure.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Dissenter&rsquo;s Right to Demand Additional Payment</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A dissenting shareholder may
notify GrandSouth in writing of his or her own estimate of the fair value of the shares and amount of interest due and demand payment
of his or her estimate (less any payment already received) or reject GrandSouth&rsquo;s offer with respect to after-acquired shares (discussed
below) and demand payment of the fair value of his shares and interest due, if:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the dissenting shareholder believes the amount paid or offered for the shares is less than fair value of the shares or that the interest
due is calculated incorrectly,</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>GrandSouth fails to make payment or offer payment within 60 days after the date set for demanding payment, or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD>the merger has not been consummated and GrandSouth fails to return the deposited certificates or release transfer restrictions imposed
on any uncertificated shares within 60 days after the date set for demanding payment.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">However, a dissenting shareholder
waives such shareholder&rsquo;s right to demand additional payment if the shareholder fails to notify GrandSouth of the shareholder&rsquo;s
demand in writing within 30 days after GrandSouth made or offered payment for the dissenting shareholder&rsquo;s shares.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth
may withhold payment with respect to any shares which a shareholder did not beneficially own on the date stated in the dissenters&rsquo;
notice as the date on which the terms of the proposed merger were first announced. If GrandSouth elects to withhold payment, </FONT>after
the merger is consummated, it must estimate the fair value of the shares, plus accrued interest, and must pay this amount to each dissenting
shareholder who agrees to accept it in full satisfaction of his or her demand. GrandSouth must send with its offer a statement of its
estimate of the fair value of the shares, an explanation of how the fair value and interest were calculated, and a statement of the dissenter&rsquo;s
right to demand additional payment (as described above).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If a demand for additional
payment remains unsettled, GrandSouth will commence a court proceeding within 60 days after receiving the demand for additional payment
and petition the court to determine the fair value of the GrandSouth shares and the accrued interest. If GrandSouth does not commence
the proceeding within the 60-day period, GrandSouth must pay each dissenting shareholder whose demand remains unsettled the amount demanded.
The court in such an appraisal proceeding will determine all costs of the proceeding and assess the costs against GrandSouth, except the
court may access costs against some or all of the dissenting shareholders, in amounts the court finds equitable, to the extent the dissenting
shareholders acted arbitrarily, vexatiously, or not in good faith in demanding additional payment. The court may also assess the fees
and expenses of counsel and experts for the respective parties, in the amounts the court finds equitable (a)&nbsp;against GrandSouth (or
First Bancorp as legal successor in the merger) if the court finds that the corporation did not comply substantially with Chapter 13 of
the SCBCA or (b)&nbsp;against GrandSouth (or First Bancorp as legal successor) or the dissenting shareholders if the court finds that
the party against whom the fees and expenses are assessed acted arbitrarily, vexatiously, or not in good faith. If the court finds that
the services of counsel for any dissenting shareholder were of substantial benefit to other dissenting shareholders similarly situated,
and that the fees for those services should not be assessed against GrandSouth, the court may award to these counsel reasonable fees to
be paid out of the amounts awarded to the dissenting shareholders who were benefited.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_004"></A><B>Regulatory Approvals Required for the Merger</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Completion of the merger is
subject to receipt of certain approvals and consents from applicable governmental and regulatory authorities, without conditions or restrictions
which in the reasonable judgment of the First Bancorp board would so materially adversely affect the economic or business benefits of
the merger that, had such condition or restriction been known, First Bancorp would not, in its reasonable judgment, have entered in the
merger agreement. Subject to the terms and conditions of the merger agreement, First Bancorp and GrandSouth have agreed to use their commercially
reasonable efforts to promptly prepare and file all necessary documentation and applications and to obtain as promptly as practicable
all regulatory approvals necessary or advisable to complete the transactions contemplated by the merger agreement. These approvals include,
among others, approval from the Federal Reserve Board, the NC Commissioner, and the SCBFI.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><I>Federal Reserve Board</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp is a bank holding
company regulated and supervised by the Federal Reserve Board under the BHC Act. Unless granted an exemption by the Federal Reserve Board,
the transactions contemplated by the merger agreement require prior approval of the Federal Reserve Board under the Bank Holding Company
Act of 1956 (which we refer to as the &ldquo;BHC Act&rdquo;). First Bank is a member of the Federal Reserve System, supervised and regulated
by the Federal Reserve Board. The merger of GrandSouth Bank with and into First Bank requires prior approval of the Federal Reserve Board
under the Bank Merger Act. In evaluating such applications, the Federal Reserve Board takes into consideration a number of factors, including:
(i)&nbsp;the competitive impact of the transaction; (ii)&nbsp;the financial condition and future prospects, including capital positions
and managerial resources of the institutions, on both a current and pro forma basis; (iii)&nbsp;the convenience and needs of the communities
to be served and the record of the insured depository institution subsidiaries of the bank holding companies under the Community Reinvestment
Act of 1977 (which we refer to as the &ldquo;CRA&rdquo;); (iv)&nbsp;the effectiveness of the companies and the depository institutions
concerned in combating money laundering activities; and (v)&nbsp;the extent to which the proposal would result in greater or more concentrated
risks to the stability of the U.S. banking or financial system. In connection with its review, the Federal Reserve Board provides an opportunity
for public comment on the application and is authorized to hold a public meeting or other proceeding if it determines that such meeting
or other proceeding would be appropriate.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>NC Commissioner</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bank is a state bank
chartered, regulated and supervised by the NC Commissioner. The transactions contemplated by the merger agreement require prior approval
of the NC Commissioner under applicable North Carolina banking laws. The matters to be addressed in the application to the NC Commissioner
are generally the same as the matters to be addressed in the applications to the Federal Reserve Board. In connection with its review,
the NC Commissioner provides an opportunity for public comment on the application, and the North Carolina Banking Commission will meet
publicly to consider and issue final approval of the merger and the bank merger.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth Bank is a state
bank chartered, regulated and supervised by the SCBFI. The transactions contemplated by the merger agreement require prior approval of
the SCBFI under applicable South Carolina banking laws. The matters to be addressed in the application to the SCBFI are generally the
same as the matters to be addressed in the applications to the Federal Reserve Board. In connection with its review, the SCBFI provides
an opportunity for public comment on the application, and the SCBFI will meet publicly to consider and issue final approval of the bank
merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><I>Additional Regulatory Approvals and
Notices</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notifications and/or applications
requesting approval may be submitted to various other federal and state regulatory authorities and self-regulatory organizations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp and GrandSouth
believe that the merger does not raise substantial antitrust or other significant regulatory concerns and that we will be able to obtain
all requisite regulatory approvals. However, neither First Bancorp nor GrandSouth can assure you that all of the regulatory approvals
described above will be obtained and, if obtained, we cannot assure you as to the timing of any such approvals, our ability to obtain
the approvals on satisfactory terms or the absence of any litigation challenging such approvals. In addition, there can be no assurance
that such approvals will not impose conditions or requirements that, individually or in the aggregate, would or could reasonably be expected
to have a materially burdensome regulatory condition.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither First Bancorp nor
GrandSouth is aware of any material governmental approvals or actions that are required for completion of the merger other than those
described above. It is presently contemplated that if any such additional governmental approvals or actions are required, those approvals
or actions will be sought. There can be no assurance, however, that any additional approvals or actions will be obtained.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="g_005"></A><FONT STYLE="text-transform: uppercase"><B>THE
MERGER AGREEMENT</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>The following describes
certain aspects of the merger, including certain material provisions of the merger agreement. The following description of the merger
agreement is subject to, and qualified in its entirety by reference to, the merger agreement, which is attached to this proxy statement/prospectus
as <U>Annex A</U> and is incorporated by reference into this proxy statement/prospectus. We urge you to read the merger agreement carefully
and in its entirety, as it is the legal document governing the merger.</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_006"></A><B>Effective Time</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The merger agreement provides
that the merger will be effective once the articles of merger reflecting the merger have been accepted for filing by the Secretary of
State of North Carolina and the Secretary of State of South Carolina.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
merger and bank merger must be approved by the Federal Reserve Board, the NC Commissioner and the SCBFI. Management of First Bancorp
and GrandSouth anticipate that the merger will become effective in the fourth quarter of 2022 or the first quarter of 2023.</FONT> </P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_007"></A><B>Terms of the Merger</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If GrandSouth shareholders
and First Bancorp shareholders approve the merger agreement and subject to the receipt of required regulatory approvals and the satisfaction
of the other closing conditions set forth in the merger agreement, GrandSouth will be merged with and into First Bancorp. In connection
with the merger, GrandSouth shareholders will receive 0.91 shares of First Bancorp common stock in exchange for each share of GrandSouth
stock. First Bancorp shareholders will continue to hold their existing First Bancorp common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If, prior to the merger closing,
the outstanding shares of GrandSouth stock or First Bancorp common stock are increased, decreased, changed into or exchanged for a different
number or kind of shares or securities, in each case as a result of a reorganization, recapitalization, reclassification, stock dividend,
stock split, reverse stock split, or other similar change in capitalization, then an appropriate and proportionate adjustment will be
made to the number of shares of First Bancorp common stock to be delivered pursuant to the merger in exchange for a share of GrandSouth
stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If the merger is completed,
GrandSouth will be merged with and into First Bancorp. Following the merger, the articles of incorporation, bylaws, corporate identity,
and existence of First Bancorp will not be changed, and GrandSouth will cease to exist as a separate entity. Following the merger, GrandSouth&rsquo;s
subsidiary, GrandSouth Bank, will be merged with and into First Bank, a wholly-owned North Carolina bank subsidiary of First Bancorp.
First Bank will be the surviving bank in the bank merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_008"></A><B>Registration of First Bancorp Common Stock</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As a condition to the merger,
First Bancorp has agreed to register with the SEC the shares of First Bancorp common stock to be exchanged for shares of GrandSouth stock
and to maintain the effectiveness of such registration through the issuance of such shares in connection with the closing of the merger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_009"></A><B>Treatment of GrandSouth Stock Options</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At the effective time of the
merger any unvested options to purchase shares of GrandSouth stock will accelerate under applicable change in control provisions in the
GrandSouth Option Plans and each outstanding and unexercised stock option will convert into an option to acquire First Bancorp common
stock, adjusted based on the 0.91 exchange ratio.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_010"></A><B>Treatment of GrandSouth TRUPS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In 2006, GrandSouth issued
$8.2 million in subordinated debentures in connection with the issuance of the GrandSouth TRUPS by its trust subsidiary, GrandSouth Capital
Trust I. Immediately prior to and contingent upon the occurrence of the closing, First Bancorp will assume the GrandSouth TRUPS, in accordance
with the terms, documents and agreements related thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_011"></A><B>Treatment of GrandSouth Sub-Debt</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In 2018 and 2020, GrandSouth
issued a total of $28.0 million of GrandSouth Sub-Debt. Immediately prior to and contingent upon the occurrence of the closing, First
Bancorp will assume the GrandSouth Sub-Debt in accordance with the terms, documents and agreements related thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_012"></A><B>Representations and Warranties Made by First
Bancorp and GrandSouth in the Merger Agreement</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp and GrandSouth
have made certain customary representations and warranties to each other in the merger agreement. For information on these representations
and warranties, please refer to the merger agreement attached as <U>Annex A</U>. Except for certain specified provisions, the representations
and warranties in the merger agreement do not survive the effective time of the merger.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The representations, warranties
and covenants included in the merger agreement were made only for purposes of the merger agreement and as of specific dates, may be subject
to limitations, qualifications or exceptions agreed upon by the parties, including those included in confidential disclosures made for
the purposes of, among other things, allocating contractual risk between First Bancorp and GrandSouth rather than establishing matters
as facts, and may be subject to standards of materiality that differ from those standards relevant to investors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Moreover, information concerning
the subject matter of the representations, warranties and covenants may change after the date of the merger agreement, which subsequent
information may or may not be fully reflected in public disclosures by First Bancorp or GrandSouth. The representations and warranties
and other provisions of the merger agreement should not be read alone, but instead should be read only in conjunction with the information
provided elsewhere in this document and in the documents incorporated by reference into this document.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Certain representations and
warranties of First Bancorp and GrandSouth are qualified as to &ldquo;materiality&rdquo; or &ldquo;material adverse effect.&rdquo; For
purposes of the merger agreement, a &ldquo;material adverse effect,&rdquo; when used in reference to either GrandSouth or First Bancorp,
is an event, change or occurrence which, individually or together with any other event, change or occurrence, has had or is reasonably
expected to have a material adverse effect on (i)&nbsp;the financial position, property, business, assets or results of operations of
such company and its subsidiaries, taken as a whole, or (ii)&nbsp;the ability of such company to perform its material obligations under
the merger agreement or to consummate the merger or the other transactions contemplated by the merger agreement; provided, that a &ldquo;material
adverse effect&rdquo; shall not be deemed to include the effects of:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">changes in banking and other laws or regulations of general applicability or interpretations thereof by
governmental authorities;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">changes in GAAP, SEC or other regulatory accounting principles generally applicable to banks and their
holding companies;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">actions and omissions of such company (or any of its subsidiaries) taken with the prior written consent
of the other party in contemplation of the transactions contemplated by the merger agreement;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">changes in economic conditions affecting financial institutions generally, including changes in interest
rates, credit availability and liquidity, and price levels or trading volumes in securities markets, except to the extent that such company
is materially and adversely affected in a disproportionate manner as compared to other comparable participants in the banking industry;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">changes resulting from the announcement or pendency of the transactions contemplated by the merger agreement;
or</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the direct effects of compliance with the merger agreement on the operating performance of such company;</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">and, furthermore, a &ldquo;material adverse effect&rdquo;
shall not be deemed to include any failure to meet analyst projections, in and of itself, or, in and of itself, the trading price of such
company&rsquo;s common stock (it being understood that the facts or occurrences giving rise or contributing to any such effect, change
or development which affects or otherwise relates to the failure to meet analyst financial forecasts or the trading price, as the case
may be, may be deemed to constitute, or be taken into account in determining whether there has been, or would reasonably be expected to
be, a &ldquo;material adverse effect&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_013"></A><B>Shareholder Meeting and Recommendation of the
Board of Directors of GrandSouth</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth has agreed to hold
a meeting of its shareholders as promptly as reasonably practicable for the purpose of voting upon approval of the merger agreement. GrandSouth
has agreed to use its reasonable efforts to obtain from its shareholders the vote required to approve the merger agreement, including
by communicating to its shareholders its recommendation (and including such recommendation in this proxy statement/prospectus) that they
approve the merger agreement and the transactions contemplated thereby. However, in certain limited circumstances, and only if the GrandSouth
board, after receiving the advice of its outside counsel and, with respect to financial matters, its financial advisors, determines in
good faith that it would be a violation of its fiduciary duties under applicable law to continue to recommend the merger agreement, then
the GrandSouth board may withdraw, qualify or modify, or propose publicly to withdraw, qualify or modify its recommendation.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notwithstanding any change
in recommendation by the board of directors of GrandSouth, unless the merger agreement has been terminated in accordance with its terms,
GrandSouth is required to convene a meeting of its shareholders and to submit the merger agreement to its shareholders for the purpose
of voting on the approval of the merger agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_014"></A><B>Agreement Not to Solicit Other Offers</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth has agreed that
it will not, and will use its commercially reasonable efforts to cause its affiliates and representatives not to, directly or indirectly
(i)&nbsp;solicit, initiate, encourage, induce or knowingly facilitate, the making, submission, or announcement of any proposal that constitutes
an acquisition proposal, (ii)&nbsp;participate in any discussions (except to notify a third party of the existence of these restrictions)
or negotiations regarding, or disclose or provide any nonpublic information with respect to, or knowingly take any other action to facilitate
any inquiries or the making of any proposal that constitutes an acquisition proposal, (iii)&nbsp;enter into any agreement (including any
agreement in principle, letter of intent or understanding, merger agreement, stock purchase agreement, asset purchase agreement, or share
exchange agreement) (referred to in the merger agreement as an &ldquo;acquisition agreement&rdquo;) contemplating or otherwise relating
to any acquisition transaction, or (iv)&nbsp;propose or agree to do any of the foregoing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For purposes of the merger
agreement, an &ldquo;acquisition proposal&rdquo; means, any proposal for a transaction or series of related transactions (other than the
transactions contemplated by the merger agreement) involving: (i)&nbsp;any acquisition or purchase from GrandSouth of 25% or more of GrandSouth&rsquo;s
common stock, or any tender offer or exchange offer that if consummated would result in any person or group beneficially owning 25% or
more of GrandSouth&rsquo;s common stock, or any merger, consolidation, business combination or similar transaction involving GrandSouth
pursuant to which the shareholders of GrandSouth immediately preceding such transaction hold less than 75% of the equity interests in
the surviving or resulting entity; (ii)&nbsp;any sale or lease (other than in the ordinary course of business), or exchange, transfer,
license (other than in the ordinary course of business), acquisition or disposition of 25% or more of GrandSouth&rsquo;s consolidated
assets; or (iii)&nbsp;any liquidation or dissolution of GrandSouth (such transactions referred to in the merger agreement as &ldquo;acquisition
transactions&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">However, in the event GrandSouth
receives an unsolicited bona fide written acquisition proposal prior to the approval of the merger agreement by the GrandSouth shareholders,
it may, furnish nonpublic information or enter into a confidentiality agreement or discussions or negotiations if and only if: (i)&nbsp;neither
GrandSouth nor any of its representatives or affiliates has violated the non-solicit restrictions (other than an unintentional violation
that did not, directly or indirectly, result in the submission of such acquisition proposal), (ii)&nbsp;GrandSouth&rsquo;s board has determined
in good faith, after consultation with the GrandSouth&rsquo;s financial advisor and outside legal counsel, that such acquisition proposal
constitutes or is reasonably likely to result in a superior proposal (as defined in the merger agreement), (iii)&nbsp;GrandSouth&rsquo;s
board concludes in good faith, after consultation with its outside counsel, that the failure to take such action would be inconsistent
with its fiduciary duties to GrandSouth and its shareholders, (iv)&nbsp;GrandSouth receives an executed confidentiality agreement containing
terms no less favorable to GrandSouth than the confidentiality terms of the merger agreement, and (v)&nbsp;contemporaneously with furnishing
any such nonpublic information, GrandSouth furnishes such nonpublic information to First Bancorp. In addition, GrandSouth has agreed to
provide First Bancorp with at least three days&rsquo; prior written notice of a meeting of GrandSouth&rsquo;s board at which meeting GrandSouth&rsquo;s
board is reasonably expected to resolve to recommend the acquisition proposal as a superior proposal to its shareholders, and to keep
First Bancorp informed on a prompt basis of the status and material terms of such acquisition proposal, including any material amendments
or proposed amendments as to price and other material terms thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth also agreed to
immediately cease, and to use its commercially reasonable efforts to cause its and its subsidiaries&rsquo; directors, officers, employees,
and representatives to immediately cease, any and all existing activities, discussions, or negotiations with respect to any acquisition
proposal and to use and cause to be used all commercially reasonable efforts to enforce any confidentiality or similar or related agreement
relating to any acquisition proposal.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_015"></A><B>Termination and Conditions of Closing</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The merger agreement may be
terminated at any time either before or after approval of the merger agreement by the shareholders of GrandSouth, but not later than the
effective date of the merger:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
mutual written agreement of First Bancorp and GrandSouth;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
either party, in the event of a breach by the other party of any representation or warranty contained in the merger agreement which breach
cannot be or has not been cured within 30 days after the giving of written notice of the breach and which breach is reasonably likely,
in the opinion of the non-breaching party, to permit such party to refuse to consummate the transactions contemplated by the merger agreement
due to the breaching party&rsquo;s representations and warranties being inaccurate as of the effective date or due to the breaching party&rsquo;s
failure to perform or comply in all material respects with all agreements and covenants required by the merger agreement; <I>provided</I>,
that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained in the
merger agreement;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
either party, if (A)&nbsp;any required regulatory approval has been denied by final, non-appealable action of such authority; (B)&nbsp;any
regulatory authority whose approval is required for the consummation of the merger requests or directs First Bancorp or GrandSouth in
writing to withdraw its application for approval of the merger; (C)&nbsp;any law or order permanently restraining, enjoining or otherwise
prohibiting the consummation of the merger shall have become final and non-appealable; or (D)&nbsp;the approval of the GrandSouth shareholders
to the merger agreement is not obtained at the special meeting;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
either party, if the merger has not occurred on or before May&nbsp;30, 2023; <I>provided,</I> that the failure to consummate the merger
is not caused by a breach of the merger agreement by the terminating party;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
First Bancorp, if (A)&nbsp;the GrandSouth board fails to recommend to GrandSouth&rsquo;s shareholders that they approve the merger agreement;
(B)&nbsp;the GrandSouth board has approved, recommended, or proposed publicly to approve or recommend, an acquisition proposal by an entity
other than First Bancorp; (C)&nbsp;the GrandSouth board fails to reaffirm its recommendation that GrandSouth&rsquo;s shareholders approve
the merger agreement following the public announcement of an acquisition proposal by an entity other than First Bancorp and within ten
business days of First Bancorp&rsquo;s request that GrandSouth&rsquo;s board reaffirm such recommendation; or (D)&nbsp;GrandSouth fails
to comply in all material respects with its non-solicitation and shareholder meeting obligations under the merger agreement; <I>provided,</I>
that First Bancorp is not then in material breach of any representation, warranty, covenant or other agreement contained in the merger
agreement; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
GrandSouth, prior to shareholder approval of the merger agreement, in order to accept an acquisition proposal from a third party involving
the acquisition of a majority of the outstanding equity interest in, or all or substantially all of the assets and liabilities of GrandSouth
with respect to which the GrandSouth board has determined in good faith that such proposal, if accepted, is reasonably likely to be consummated
on a timely basis, and that such proposal is more favorable to GrandSouth&rsquo;s shareholders than the merger with First Bancorp; provided
GrandSouth has complied in all material respects with its non-solicitation and shareholder meeting obligations under the merger agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth must pay to First
Bancorp a termination fee of $7.2 million, if:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">First Bancorp terminates the merger agreement pursuant to (v)&nbsp;listed above;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">GrandSouth terminates the merger agreement pursuant to (vi)&nbsp;listed above; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">(i)&nbsp;an acquisition proposal by a third party has been communicated to or otherwise made known to
GrandSouth&rsquo;s shareholders, senior management or board, or any person other than First Bancorp has publicly announced an intention
to make a proposal to acquire GrandSouth, (ii)&nbsp;thereafter, the merger agreement is terminated (A)&nbsp;by either party pursuant to
(iv)&nbsp;listed above only if before that time GrandSouth shareholder approval of the merger agreement has not been obtained, (B)&nbsp;by
First Bancorp pursuant to (ii)&nbsp;above, or (C)&nbsp;by either party pursuant to (iii)&nbsp;above only if GrandSouth shareholder approval
of the merger agreement has not been obtained, and (D)&nbsp;within 12 months of such termination GrandSouth is acquired by or enters into
an acquisition agreement with a third party.</TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following summarizes the
required conditions to closing:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approval of the merger agreement
by at least: </FONT>(i)&nbsp;two-thirds of the outstanding shares of GrandSouth common stock; (ii)&nbsp;two-thirds of the outstanding
shares of GrandSouth preferred stock; and (iii)&nbsp;two-thirds of the outstanding shares of GrandSouth stock, voting together as a single
class;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">approval of the merger by the Federal Reserve Board, the NC Commissioner, and the SCBFI;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">effectiveness of the registration statement of First Bancorp relating to the shares of First Bancorp common
stock to be issued to GrandSouth shareholders in the merger, of which this proxy statement/prospectus forms a part;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">no governmental authority of competent jurisdiction shall have enacted, issued, promulgated, enforced
or entered any law or order (whether temporary, preliminary or permanent) or taken any other action which prohibits, restricts, or makes
illegal consummation of the merger;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">no regulatory authority whose approval is required for the consummation of the merger requests or directs
First Bancorp or GrandSouth in writing to withdraw its application for approval of the merger;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">First Bancorp must have filed with the NASDAQ GSM a notification form for the listing of the shares of
First Bancorp common stock to be delivered to the shareholders of GrandSouth as merger consideration, and the NASDAQ GSM shall not have
objected to the listing of such shares of First Bancorp common stock;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">receipt by each of First Bancorp and GrandSouth of an opinion of First Bancorp&rsquo;s legal counsel or
tax accounting firm as to certain tax matters;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the accuracy of the representations and warranties of each of First Bancorp and GrandSouth in the merger
agreement as of the date of the merger agreement and the day on which the merger is completed, subject to the materiality standards provided
in the merger agreement;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">immediately prior to the closing, not more than 15% of the shares of GrandSouth stock will be held by
shareholders who have exercised, or are then entitled to exercise, dissenters&rsquo; rights;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the performance by each of First Bancorp and GrandSouth in all material respects of all obligations under
the merger agreement required to be performed by it at or prior to the effective time of the merger;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the delivery of officers&rsquo; certificates and secretary&rsquo;s certificates by each of First Bancorp
and GrandSouth to the other;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">there shall not have occurred a material adverse effect with respect to GrandSouth or First Bancorp since
December&nbsp;31, 2021;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">GrandSouth shall not have made any payments or provided any benefits, or be obligated to make any payments
or provide any benefits, in connection with any or all of which (i)&nbsp;a tax deduction could or would be disallowed or limited under
Sections 280G, 404, or 162(m)&nbsp;of the Code, or (ii)&nbsp;could or would be subject to withholding or give rise to taxation under Section&nbsp;4999
of the Code;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the payment by First Bancorp of the merger consideration as provided in the merger agreement; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">all parties must stand ready to consummate the bank merger immediately following the merger.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_016"></A><B>Surrender of Certificates</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">After the effective date of
the merger, each holder of GrandSouth stock (as of that date) in certificated form will be required to deliver the certificates representing
such holder&rsquo;s shares of GrandSouth stock to First Bancorp&rsquo;s exchange agent, Computershare Limited, in order to receive payment
of the merger consideration from First Bancorp in connection with the merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">After delivering certificates
or other instruments representing his, her or its shares of GrandSouth stock, the holder will be entitled to receive 0.91 shares of First
Bancorp common stock in exchange for each share of GrandSouth stock that such holder owned on the effective date of the merger. First
Bancorp will not issue any fractional shares of First Bancorp common stock in the merger. GrandSouth shareholders who would otherwise
be entitled to a fraction of a share of First Bancorp common stock upon the completion of the merger will instead be entitled to receive
an amount in cash, rounded to the nearest whole cent, determined by multiplying the fraction of a share (rounded to the nearest thousandth
when expressed as a decimal form) of First Bancorp common stock to which the holder would otherwise be entitled by the Average First Bancorp
Stock Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Until a holder delivers the
certificates or other instruments representing his, her or its shares of GrandSouth stock to First Bancorp, the holder may not receive
payment of any dividends or other distributions on shares of First Bancorp common stock into which his, her, or its shares of GrandSouth
stock have been converted, if any, and may not receive any notices sent by First Bancorp to its shareholders with respect to those shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_017"></A><B>GrandSouth Shareholder Approval</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
holders of: </FONT>(i)&nbsp;two-thirds of the outstanding shares of GrandSouth common stock; (ii)&nbsp;two-thirds of the outstanding shares
of GrandSouth preferred stock; and (iii)&nbsp;two-thirds of the outstanding shares of GrandSouth stock, voting together as a single class,
entitled to vote at the special meeting must approve the merger agreement in order for the merger to be completed. Abstentions from voting
and broker non-votes will be included in determining whether a quorum is present and will have the effect of a vote against the merger
agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">As
of September 14, 2022</FONT>, the record date for determining the shareholders entitled to notice of and to vote at the special meeting,
the outstanding voting securities of GrandSouth consisted of 5,222,042 shares of common stock and 282,828 shares of preferred stock.
Each issued and outstanding share of GrandSouth stock is entitled to one vote per share. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All of the directors and executive
officers of GrandSouth have agreed to vote their shares in favor of the merger agreement and not sell or otherwise dispose their shares,
except with the prior approval of First Bancorp; <I>provided</I> that such support agreements terminate at the effective time of the merger,
in the event that the merger agreement is terminated in accordance with its terms or in the event the GrandSouth board withdraws its recommendation
in favor of the merger or approves or recommends an acquisition proposal from another party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_018"></A><B>Expenses</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All expenses incurred by First
Bancorp in connection with the merger, including all fees and expenses of its agents, representatives, counsel and accountants and the
fees and expenses related to filing these materials and all regulatory applications with state and federal authorities, will be paid by
First Bancorp. All expenses incurred by GrandSouth in connection with the merger, including all fees and expenses of its agents, representatives,
counsel and accountants, will be paid by GrandSouth.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_019"></A><B>Conduct of Business of GrandSouth Pending Closing</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The merger agreement provides
that, pending consummation of the merger, except with the prior written consent of First Bancorp, GrandSouth will, and will cause each
of its subsidiaries to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">operate its business only in the usual, regular, and ordinary course;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">use commercially reasonable efforts to preserve intact its business organization and assets and maintain
its rights and franchises;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">use commercially reasonable efforts to cause its representations and warranties to be correct at all times;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">consult with First Bancorp prior to (i)&nbsp;entering into or making any loans that exceed regulatory
loan to value guidelines, or (ii)&nbsp;entering into or making any loans or other transactions with a value equal to or exceeding $5.0
million, other than (A)&nbsp;residential mortgage loans for which GrandSouth has a commitment to buy from a reputable investor, and (B)&nbsp;loans
for which commitments have been made as of the date of the merger agreement; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">take no action which would be reasonably likely to (i)&nbsp;adversely affect the ability of any party
to obtain any consents required for the transaction contemplated by the merger agreement, or (ii)&nbsp;materially adversely affect the
ability of any party to perform its covenants and agreements under the merger agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The merger agreement also
provides that, pending consummation of the merger, except with the prior written consent of First Bancorp, GrandSouth will not, and will
not permit any of its subsidiaries to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">amend such entity&rsquo;s articles of incorporation, bylaws or other governing instruments;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">incur any additional debt obligation or other obligation for borrowed money in excess of an aggregate
of $750,000 except for advances from the Federal Home Loan Bank or otherwise incurred in the ordinary course of the business of such entity
consistent with past practices and that are pre-payable without penalty, charge, or other payment, or grant any lien on any material asset
of such entity;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">repurchase, redeem, or otherwise acquire or exchange (other than exchanges in the ordinary course under
employee benefit plans), directly or indirectly, any shares, or any securities convertible into any shares, of the capital stock of such
entity, or declare or pay any dividend or make any other distribution in respect of GrandSouth&rsquo;s capital stock except for quarterly
cash dividends at a rate not to exceed $0.13 per common share; provided that prior to closing GrandSouth may pay its shareholders a cash
dividend equal to (i)&nbsp;the cumulative, aggregate cash dividend its shareholders would have received if they were First Bancorp shareholders
in the first quarter of 2023, less (ii)&nbsp;the cumulative aggregate cash dividends actually paid to shareholders by GrandSouth during
the period beginning in the first quarter of 2023;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except for the merger agreement and except pursuant to the valid exercise of GrandSouth stock options
outstanding as of the date of the merger agreement, issue, sell, pledge, encumber, authorize the issuance of, enter into any contract
to issue, sell, pledge, encumber or authorize the issuance of, or otherwise permit to become outstanding, any additional shares of GrandSouth
stock, any other capital stock of any such entity, or any right thereof;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">adjust, split, combine or reclassify any capital stock of any such entity or issue or authorize the issuance
of any other securities in respect of or in substitution for shares of GrandSouth stock or issue any GrandSouth stock options, or sell,
lease, mortgage or otherwise dispose of (i)&nbsp;any shares of capital stock of any GrandSouth subsidiary or (ii)&nbsp;any asset other
than in the ordinary course of business for reasonable and adequate consideration, except issuances of shares of GrandSouth stock pursuant
to the exercise of GrandSouth options outstanding on the date of the merger agreement;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except in the ordinary course of business consistent with past practice and not to exceed an aggregate
of $7.5 million (not to exceed $1.25 million with respect to a person that is not a government sponsored entity), purchase any securities
or make any material investment, either by purchase of stock or securities, contributions to capital (other than pursuant to binding commitments
existing on the date of the merger agreement), asset transfers, or purchase of any assets, in any person other than a wholly owned GrandSouth
subsidiary, or otherwise acquire direct or indirect control over any person, other than in connection with foreclosures of loans in the
ordinary course of business;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">(i)&nbsp;except as contemplated by the merger agreement or as disclosed on GrandSouth&rsquo;s confidential
disclosure memorandum, grant any bonus or increase in compensation or benefits to the employees, officers or directors of any such entity,
(ii)&nbsp;commit or agree to pay any severance or termination pay, or any stay or other bonus to any GrandSouth director, officer or employee,
(iii)&nbsp;enter into or amend any severance agreements with officers, employees, directors, independent contractors, or agents of such
entity, (iv)&nbsp;change any fees or other compensation or other benefits to directors of such entity, or (v)&nbsp;waive any stock repurchase
rights, accelerate, amend or change the period of exercisability of any rights or restricted stock, or re-price rights granted under the
GrandSouth benefit plans or authorize cash payments in exchange for any rights, except as otherwise contemplated in the merger agreement;
or accelerate or vest or commit or agree to accelerate or vest any GrandSouth options or any amounts, benefits or rights payable by such
entity; <I>provided, however</I>, that GrandSouth may continue to make annual merit or market salary increases in the ordinary course
of business consistent with past practices provided that any increases during the calendar years 2022 and 2023 may not exceed in the aggregate
5% of such employee&rsquo;s base salary or wage rate in effect as of the date of the merger agreement;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">enter into or amend any employment contract between such entity and any person (unless such amendment
is required by law) that such entity does not have the unconditional right to terminate without liability (other than liability for services
already rendered), at any time on or after the effective time;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except as disclosed on GrandSouth&rsquo;s confidential disclosure memorandum, adopt any new employee benefit
plan of such entity or terminate or withdraw from, or make any material change in or to, any existing employee benefit plans, welfare
plans, insurance, stock or other plans or GrandSouth benefit plans of such entity other than any such change that is required by law or
to maintain continuous benefits at current levels or that, in the written opinion of counsel, is necessary or advisable to maintain the
tax qualified status of any such plan, or make any distributions from such employee benefit or welfare plans, except as required by law
or as contemplated by the agreement, the terms of such plans or consistent with past practice;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">make any change in any tax or accounting methods or systems of internal accounting controls, except as
may be appropriate and necessary to conform to changes in tax laws, regulatory accounting requirements, or GAAP;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">commence any litigation other than in accordance with past practice, or settle any litigation involving
any liability of such entity for money damages or restrictions upon the operations of such entity;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">enter into, modify, amend, or terminate any material contract; other than with respect to those involving
aggregate payments of less than, or the provision of goods or services with a market value of less than, $75,000 per annum and with a
term of 24 months or less and other than contracts described in the immediately following bullet point;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except in the ordinary course of business consistent with past practice, make, renegotiate, renew, increase,
extend, modify or purchase any loan, lease (credit equivalent), advance, credit enhancement or other extension of credit, or make any
commitment in respect of any of the foregoing;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">make any adverse changes in the mix, rates, terms, or maturities of GrandSouth&rsquo;s deposits and other
liabilities or waive, release, compromise, or assign any material rights, or claims, except with respect to (i)&nbsp;any extension of
credit for existing commitments or (ii)&nbsp;any extension of credit with an unpaid balance of less than $1.5 million if secured, or $500,000
if unsecured, and in each case in conformity with existing lending policies and practices;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except for conforming residential mortgage loans held for sale and Small Business Administration loans,
enter into any fixed rate loans with a committed rate term of greater than 10 years;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">notwithstanding anything in the merger agreement to the contrary, enter into, modify or amend any loan
participation agreements;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except for loans or extensions of credit made on terms generally available to the public, make or increase
any loan or other extension of credit, or commit to make or increase any such loan or extension of credit, to any director or executive
officer of GrandSouth or GrandSouth Bank, or any entity controlled, directly or indirectly, by any of the foregoing, other than renewals
of existing loans or commitments to loan;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">restructure or materially change its investment securities portfolio or its interest rate risk position,
through purchases, sales or otherwise, or the manner in which the portfolio is classified or reported;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">make any capital expenditures in excess of an aggregate of $150,000 other than pursuant to binding commitments
existing on the date of the merger agreement and other than expenditures necessary to maintain existing assets in good repair or to make
payment of necessary taxes;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">establish or commit to the establishment of any new branch or other office facilities or file any application
to relocate or terminate the operation of any banking office;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">knowingly take any action that is intended or expected to result in any of its representations and warranties
set forth in the merger agreement being or becoming untrue in any material respect at any time prior to the effective time of the merger,
or in any of the conditions to the merger set forth in the merger agreement not being satisfied or in a violation of any provision of
the merger agreement;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">implement or adopt any material change in its accounting principles, practices or methods, other than
as may be required by GAAP or regulatory guidelines;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">knowingly take any action that would prevent or impede the merger from qualifying as a &ldquo;reorganization&rdquo;
within the meaning of Section&nbsp;368(a)&nbsp;of the Code;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">agree to take, make any commitment to take, or adopt any resolutions of its board in support of, any of
the actions set forth above;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">maintain GrandSouth Bank&rsquo;s allowance for loan losses in a manner inconsistent with GAAP and applicable
regulatory guidelines and accounting principles, practices and methods inconsistent with past practices of GrandSouth Bank;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">(i)&nbsp;other than in the ordinary course of business consistent with past practice, make any material
changes in GrandSouth Bank&rsquo;s policies and practices with respect to (A)&nbsp;underwriting, pricing, originating, acquiring, selling,
or servicing loans, or (B)&nbsp;GrandSouth Bank&rsquo;s hedging practices and policies, in each case except as required by law or requested
by a regulatory authority or (ii)&nbsp;acquire or sell any servicing rights, except the sale of mortgage servicing rights in the ordinary
course of business consistent with past practices: or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">take any action or fail to take any action that at the time of such action or inaction is reasonably likely
to prevent, or would be reasonably likely to materially interfere with, the consummation of the merger.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, the merger agreement
provides that each of First Bancorp and GrandSouth will give written notice promptly to the other upon becoming aware of the occurrence
or impending occurrence of any event or circumstance relating to it or any of its subsidiaries which (i)&nbsp;has had or is reasonably
likely to have, individually or in the aggregate, a material adverse effect, as applicable, (ii)&nbsp;would cause or constitute a material
breach of any of its representations, warranties or covenants contained in the merger agreement, or (iii)&nbsp;would reasonably be likely
to prevent or materially interfere with the consummation of the merger, and will use its reasonable efforts to prevent or promptly to
remedy the same.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_020"></A><B>Support Agreements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As an inducement to and a
condition to First Bancorp&rsquo;s willingness to enter into the merger agreement, each of the directors and executive officers of GrandSouth
and GrandSouth Bank entered into a support agreement with First Bancorp. Pursuant to the support agreements, each of the directors and
executive officers of GrandSouth and GrandSouth Bank agreed, among other things, to vote all of the shares of GrandSouth stock for which
he or she has sole voting authority, and to use his or her best efforts to cause to be voted all of the shares of GrandSouth stock for
which he or she has shared voting authority, in either case whether such shares were beneficially owned on the date of the support agreement
or are subsequently acquired (i)&nbsp;for the approval of the merger agreement and the merger at the special meeting of GrandSouth shareholders,
and (ii)&nbsp;against any acquisition proposal (as defined in the merger agreement) other than the merger. In addition, the directors
and executive officers of GrandSouth agreed not to directly or indirectly, except with the prior approval of First Bancorp, (x)&nbsp;sell
or otherwise dispose of or encumber (other than in connection with an ordinary bank loan) prior to the record date of the special meeting
of GrandSouth shareholders any or all of his or her shares of GrandSouth stock or (y)&nbsp;deposit any shares of GrandSouth stock into
a voting trust or enter into a voting agreement or arrangement with respect to any shares of GrandSouth stock or grant any proxy with
respect thereto, other than for the purpose of voting to approve the merger agreement and the merger and matters related thereto. The
support agreements also provide that the directors and executive officers of GrandSouth and GrandSouth Bank will not, directly or indirectly,
except with the prior approval of First Bancorp: (a)&nbsp;solicit, initiate, or encourage, induce or knowingly facilitate, the making,
submission, or announcement of any proposal that constitutes an acquisition proposal (as defined in the merger agreement), (b)&nbsp;participate
in any discussions (except to notify a third party of the existence of restrictions provided in the merger agreement) or negotiations
regarding, or disclose or provide any nonpublic information with respect to, or knowingly take any other action to facilitate any inquiries
or the making of any proposal that constitutes an acquisition proposal, or (c)&nbsp;propose or agree to do any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> As of the record date,
the directors and executive officers of GrandSouth and GrandSouth Bank were entitled to vote (i) 1,646,765 shares, or approximately 31.5%,
of the outstanding shares of GrandSouth common stock, and (ii) 27,087 shares, or approximately 9.6%, of the outstanding shares of GrandSouth
preferred stock. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The foregoing description
of the support agreements is subject to, and qualified in its entirety by reference to, the support agreements, a form of which is attached
as Exhibit&nbsp;B to the merger agreement, which is attached to this proxy statement/prospectus as <U>Annex A</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ACCOUNTING
TREATMENT</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The merger will be accounted
for using the acquisition method of accounting, in accordance with the provisions of FASB ASC Topic 805-10, <I>Business Combinations.
</I>Under the acquisition method of accounting, the assets (including identifiable intangible assets) and liabilities (including executory
contracts and other commitments) of GrandSouth as of the effective date of the merger will be recorded at their respective fair values
and added to those of First Bancorp. Any excess of the purchase price over the fair values of assets acquired and liabilities assumed
will be recorded as goodwill. Financial statements of First Bancorp issued after the merger will reflect these fair values and will not
be restated retroactively to reflect the historical financial position or results of operations of GrandSouth before the merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>U.S.
FEDERAL INCOME TAX CONSEQUENCES OF THE MERGER</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following is a general
discussion of the U.S. federal income tax consequences of the merger to &ldquo;U.S. holders&rdquo; (as defined below) of GrandSouth stock
that exchange their GrandSouth stock for First Bancorp common stock in the merger. The following discussion is based upon the Code, Treasury
regulations promulgated thereunder and judicial and administrative authorities, rulings and decisions, all as in effect as of the date
of this proxy statement/prospectus. These authorities may change, possibly on a retroactive basis, and any such change could affect the
accuracy of the statements and conclusions set forth in this discussion. This discussion does not address any tax consequences arising
under the unearned income Medicare contribution tax pursuant to the Health Care and Education Reconciliation Act of 2010 nor does it address
any tax consequences arising under the laws of any state, local or foreign jurisdiction or under any U.S. federal laws other than those
pertaining to the income tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following discussion applies
only to U.S. holders of GrandSouth stock who hold such shares as a capital asset within the meaning of Section&nbsp;1221 of the Code (generally,
property held for investment). Further, this discussion does not purport to consider all aspects of U.S. federal income taxation that
might be relevant to U.S. holders in light of their particular circumstances and does not apply to U.S. holders subject to special treatment
under the U.S. federal income tax laws (such as, for example, dealers or brokers in securities, commodities or foreign currencies, traders
in securities that elect to apply a mark-to-market method of accounting, banks and certain other financial institutions, insurance companies,
mutual funds, tax-exempt organizations, holders subject to the alternative minimum tax provisions of the Code, partnerships or investors
in partnerships, regulated investment companies, real estate investment trusts, controlled foreign corporations, passive foreign investment
companies, former citizens or residents of the United States, holders whose functional currency is not the U.S. dollar, holders who hold
shares of GrandSouth stock as part of a hedge, straddle, constructive sale or conversion transaction or other integrated investment, holders
who acquired GrandSouth stock pursuant to the exercise of employee stock options, through a tax qualified retirement plan or otherwise
as compensation, or holders who actually or constructively own more than five percent of GrandSouth common stock or GrandSouth preferred
stock).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For purposes of this discussion,
the term &ldquo;U.S. holder&rdquo; means a beneficial owner of GrandSouth stock that is, for U.S. federal income tax purposes, (i)&nbsp;an
individual citizen or resident of the United States, (ii)&nbsp;a corporation, or entity treated as a corporation, organized in or under
the laws of the United States or any state thereof or the District of Columbia, (iii)&nbsp;a trust if (a)&nbsp;a court within the United
States is able to exercise primary supervision over the administration of the trust and one or more U.S. persons have the authority to
control all substantial decisions of the trust or (b)&nbsp;such trust has made a valid election to be treated as a U.S. person for U.S.
federal income tax purposes or (iv)&nbsp;an estate, the income of which is includible in gross income for U.S. federal income tax purposes,
regardless of its source.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If an entity or arrangement
treated as a partnership for U.S. federal income tax purposes holds GrandSouth stock, the tax treatment of a partner in such partnership
generally will depend on the status of the partner and the activities of the partnership. Any entity treated as a partnership for U.S.
federal income tax purposes that holds GrandSouth stock, and any partners in such partnership, should consult their tax advisors regarding
the tax consequences of the merger to their specific circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Determining the actual
tax consequences of the merger to you may be complex and will depend on your specific situation and on factors that are not within our
control. You should consult your tax advisor as to the specific tax consequences of the merger in your particular circumstances, including
the applicability and effect of the alternative minimum tax and any state, local, foreign and other tax laws and of changes in those laws.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">It is a condition to the obligation
of First Bancorp and GrandSouth to complete the merger that they receive a written opinion from First Bancorp&rsquo;s legal counsel or
tax accounting firm, dated the closing date of the merger, to the effect that the merger will be treated as a &ldquo;reorganization&rdquo;
within the meaning of Section&nbsp;368(a)&nbsp;of the Code. In the opinion of Brooks Pierce the merger will be treated as a &ldquo;reorganization&rdquo;
within the meaning of Section&nbsp;368(a)&nbsp;of the Code with the tax consequences described below. This opinion of counsel will be
given in reliance on facts and representations contained in representation letters to be provided by First Bancorp and GrandSouth and
on customary assumptions. This opinion will not be binding on the IRS or any court. First Bancorp and GrandSouth have not sought and will
not seek any ruling from the IRS regarding any matters relating to the merger and, as a result, there can be no assurance that the IRS
will not assert, or that a court would not sustain, a position contrary to any of the conclusions set forth below. In addition, if any
of the representations or assumptions upon which those opinions are based are inconsistent with the actual facts, the U.S. federal income
tax consequences of the merger could be adversely affected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Exchange of GrandSouth Stock in Merger</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Assuming that, in accordance
with the opinion described above, the merger will be treated as a transaction that qualifies as a &ldquo;reorganization&rdquo; within
the meaning of Section&nbsp;368(a)&nbsp;of the Code, the U.S. federal income tax consequences of the merger will be as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Upon
exchanging your GrandSouth stock for First Bancorp common stock and any cash in lieu of a fractional share of First Bancorp common stock,
you generally will not recognize gain or loss except with respect to such cash (as discussed below). The aggregate tax basis in the First
Bancorp common stock that you receive in the merger (including any fractional share deemed received) will equal your aggregate adjusted
tax basis in the shares of GrandSouth stock you exchange in the merger. Your holding period for the shares of First Bancorp common stock
that you receive in the merger (including any fractional share deemed received) will include your holding period for the shares of GrandSouth
stock that you exchange in the merger. If you hold shares of GrandSouth stock with </FONT><FONT STYLE="background-color: white">differing
bases or holding periods, you should consult your tax advisor with regard to identifying the bases or holding periods of the particular
shares of First Bancorp common stock received in the merger</FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If you receive cash in lieu
of a fractional share of First Bancorp common stock, you will be treated as having received such fractional share of First Bancorp common
stock in the merger and then as having sold such fractional share of First Bancorp common stock for cash. As a result, you will generally
recognize capital gain or loss equal to the difference between the amount of cash received for such fractional share and your basis in
the fractional share of First Bancorp common stock as set forth above. Such capital gain or loss will generally be long-term capital gain
or loss if, as of the effective date of the merger, your holding period for such fractional share exceeds one year. Long-term capital
gains of individuals are generally eligible for reduced rates of taxation. The deductibility of capital losses is subject to limitations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Exercise of Dissenters&rsquo; Rights</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">If
you exercise and perfect your dissenters&rsquo; rights and receive cash in exchange for your GrandSouth stock, you will generally recognize
capital gain or loss equal to the difference between the amount of cash received for your GrandSouth stock and your basis in the GrandSouth
stock. </FONT>Such capital gain or loss will generally be long-term capital gain or loss if, as of the effective date of the merger, your
holding period for such GrandSouth stock exceeds one year. Long-term capital gains of individuals are generally eligible for reduced rates
of taxation. The deductibility of capital losses is subject to limitations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>This discussion of U.S.
federal income tax consequences is for general information purposes only and is not intended to be, and should not be construed as, tax
advice. Holders of GrandSouth stock should consult their tax advisors with respect to the application of U.S. federal income tax laws
to their particular situations as well as any tax consequences arising under the U.S. federal estate or gift tax rules&nbsp;or under the
laws of any state, local, foreign or other taxing jurisdiction or under any applicable tax treaty.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="g_021"></A><FONT STYLE="text-transform: uppercase"><B>DESCRIPTION
OF CAPITAL STOCK OF FIRST BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>The following is a brief
description of the terms of the capital stock of First Bancorp. This summary does not purport to be complete in all respects. This description
is subject to and qualified in its entirety by reference to the NCBCA, federal law, First Bancorp&rsquo;s articles of incorporation, and
First Bancorp&rsquo;s bylaws. Copies of First Bancorp&rsquo;s articles of incorporation and bylaws have been filed with the SEC and are
also available upon request from First Bancorp. To find out where copies of these documents can be obtained, see the section of this proxy
statement/prospectus entitled &ldquo;Where You Can Find More Information&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_022"></A><B>General</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The authorized capital stock
of First Bancorp currently consists of 60,000,000 shares of common stock, no par value per share, and 5,000,000 shares of preferred stock,
no par value per share. The outstanding shares of First Bancorp common stock are, and the shares of First Bancorp common stock to be issued
by First Bancorp in connection with the merger will be, duly authorized, validly issued, fully paid, and nonassessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_024"></A><B>Common Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> As of the record date,
35,710,892 shares of common stock were issued and outstanding. First Bancorp&rsquo;s common stock is listed on the NASDAQ GSM under the
ticker symbol &ldquo;FBNC&rdquo;. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_025"></A><B>Voting Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All voting rights are vested
in the holders of the First Bancorp common stock. Each holder of common stock is entitled to one vote per share on each matter submitted
to a vote at a meeting of First Bancorp shareholders. With respect to the election of directors, holders of First Bancorp common stock
may choose to elect directors by cumulative voting. If cumulative voting is in effect, each shareholder is entitled to multiply the number
of votes he, she or it is entitled to cast by the number of directors for whom he, she or it is entitled to vote, and to cast the product
for a single candidate or distribute the product among two or more candidates. Cumulative voting procedures will not be followed at an
annual meeting unless a shareholder calls for cumulative voting as provided in First Bancorp&rsquo;s articles of incorporation, by announcing
at the meeting before the voting for directors starts, his, her or its intention to vote cumulatively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_026"></A><B>Liquidation Rights</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Upon liquidation, holders
of First Bancorp&rsquo;s common stock, together with all shares of First Bancorp&rsquo;s Series&nbsp;C preferred stock, will be entitled
to receive on a pro rata basis, after payment or provision for payment of all debts and liabilities, and after all distribution payments
are made to holders of First Bancorp&rsquo;s Series&nbsp;A preferred stock and Series&nbsp;B preferred stock, all of First Bancorp&rsquo;s
assets available for distribution, in cash or in kind. No shares of preferred stock were issued and outstanding. Because First Bancorp
is a bank holding company, its rights and the rights of its creditors and shareholders to receive the assets of any subsidiary upon liquidation
or recapitalization may be subject to prior claims of its bank subsidiary&rsquo;s creditors, except to the extent First Bancorp may be
deemed a creditor with recognized claims against its bank subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_027"></A><B>Dividends</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the rights of holders
of First Bancorp&rsquo;s Series&nbsp;A preferred stock and Series&nbsp;B preferred stock to receive dividends, all shares of First Bancorp&rsquo;s
common stock, together with all shares of First Bancorp&rsquo;s Series&nbsp;C preferred stock, are entitled to share equally in any dividends
that First Bancorp&rsquo;s board may declare on its common stock or Series&nbsp;C preferred stock from sources legally available for distribution.
No shares of preferred stock are issued and outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_028"></A><B>Other Provisions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Holders of First Bancorp common
stock have no preemptive, subscription, redemption or conversion rights. First Bancorp common stock is not subject to any sinking fund,
and the outstanding shares are fully paid and non-assessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_029"></A><B>Anti-Takeover Provisions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Certain provisions of First
Bancorp&rsquo;s articles of incorporation, bylaws and the NCBCA, as well as certain banking regulatory restrictions, may make it more
difficult for someone to acquire control of First Bancorp or to remove management.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Advance
Notice Provisions</U></FONT>. The bylaws of First Bancorp provide that for business to be brought properly before an annual meeting by
a shareholder, the shareholder must have given timely notice of the business in writing to the Secretary. To be timely, the notice must
be delivered or mailed to and received at the principal offices of First Bancorp not less than 60 days before the first anniversary of
the mailing date of the proxy statement for the preceding year&rsquo;s annual meeting. Notice of director nominations made by shareholders
must be made in writing and received by the Secretary not less than 50 nor more than 75 days before the first anniversary of the date
of First Bancorp&rsquo;s proxy statement in connection with the last meeting of shareholders called for the election of directors. The
notices must set forth certain information described in First Bancorp&rsquo;s bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Special
Meetings of Shareholders</U></FONT>. Under the bylaws, special meetings of shareholders may be called only by First Bancorp&rsquo;s president,
chief executive officer or board. So long as First Bancorp is a public company, under North Carolina law, its shareholders are not entitled
to call a special meeting. In addition, at a special meeting, its shareholders may only consider business related to the purposes of the
meeting set forth in the notice of meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Regulatory
Ownership Restrictions</U></FONT>. The BHC Act, requires any &ldquo;bank holding company,&rdquo; as defined in the BHC Act, to obtain
the approval of the Federal Reserve Board before acquiring 5% or more of First Bancorp common stock. Any person, other than a bank holding
company, is required to obtain the approval of the Federal Reserve Board before acquiring 10% or more of First Bancorp common stock under
the Change in Bank Control Act. Any company holding 25% or more of First Bancorp common stock, a holder of 33% or more of First Bancorp&rsquo;s
total equity or a holder of 5% or more of First Bancorp common stock if such holder otherwise exercises a &ldquo;control&rdquo; over First
Bancorp, is subject to regulation as a bank holding company under the BHC Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_030"></A><B>Preferred Stock</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp is authorized
to issue 5,000,000 shares of preferred stock, issuable in specified series and having specified voting, dividend, conversion, liquidation,
and other rights and preferences as First Bancorp&rsquo;s board may determine. The preferred stock may be issued for any lawful corporate
purpose without further action by First Bancorp shareholders. The issuance of any preferred stock that has conversion rights might have
the effect of diluting the interests of First Bancorp&rsquo;s other shareholders. In addition, shares of preferred stock could be issued
with certain rights, privileges, and preferences, which would deter a tender or exchange offer or discourage the acquisition of control
of First Bancorp. No shares of preferred stock are issued and outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="g_031"></A><B>Transfer Agent and Registrar</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The transfer agent and registrar
for First Bancorp&rsquo;s common stock is Computershare Limited.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="g_032"></A><FONT STYLE="text-transform: uppercase"><B>COMPARISON
OF SHAREHOLDERS&rsquo; RIGHTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>If the merger is completed,
GrandSouth shareholders will be entitled to receive shares of First Bancorp common stock in exchange for their shares of GrandSouth stock.
First Bancorp is organized under the laws of the State of North Carolina; whereas GrandSouth is organized under the laws of the State
of South Carolina. The following is a summary of the material differences between (i)&nbsp;the current rights of GrandSouth shareholders
under GrandSouth&rsquo;s articles of incorporation, bylaws and South Carolina law (ii)&nbsp;the current rights of First Bancorp shareholders
under First Bancorp&rsquo;s articles of incorporation, bylaws and North Carolina law.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>First Bancorp and GrandSouth
believe that this summary describes the material differences between the rights of First Bancorp shareholders as of the date of this proxy
statement/prospectus and the rights of GrandSouth shareholders as of the date of this proxy statement/prospectus; however, it does not
purport to be a complete description of those differences. Copies of First Bancorp&rsquo;s and GrandSouth&rsquo;s governing documents
have been filed with the SEC. To find out where copies of these documents can be obtained, see the section of this proxy statement entitled
 &ldquo;Where You Can Find More Information&rdquo; beginning on page&nbsp;[<FONT STYLE="font-family: Symbol">&middot;</FONT>].</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="h_001"></A>Differences in Legal Rights between Shareholders
of GrandSouth and First Bancorp</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Following the merger you will
no longer be a GrandSouth shareholder and, if you receive shares of First Bancorp following the merger, your rights as a shareholder will
no longer be governed by GrandSouth&rsquo;s articles of incorporation and bylaws. You will be a First Bancorp shareholder and your rights
as a First Bancorp shareholder will be governed by First Bancorp&rsquo;s articles of incorporation and bylaws. Your former rights as a
GrandSouth shareholder and your new rights as a First Bancorp shareholder are different in certain ways, including the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; width: 49%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">GrandSouth Shareholder Rights</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 2%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 49%; font: bold 10pt Times New Roman, Times, Serif; text-align: center">First Bancorp Shareholder Rights</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>Authorized,&nbsp;Issued
and Outstanding Capital Stock</I></B></P>

</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"> The authorized capital stock of GrandSouth currently
    consists of 20,000,000 shares of common stock, no par value per share, and 20,000,000 shares of preferred stock, no par value per
    share. As of the record date, 5,222,042 shares of common stock were issued and outstanding and 282,828 shares of preferred stock
    were issued and outstanding. </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"> The authorized capital stock of First Bancorp currently
    consists of 60,000,000 shares of common stock, no par value per share, and 5,000,000 shares of preferred stock, no par value per
    share. As of the record date, 35,710,892 shares of common stock were issued and outstanding and no shares of preferred stock were
    issued and outstanding. </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Shareholder Ability to Call Special Meetings</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">The bylaws of GrandSouth provide that special meetings may be called by (a)&nbsp;the chief executive officer, the president, the chairman of the board of directors or a majority of the board of directors, or (b)&nbsp;shareholders holding at least 10% of all the votes entitled to be cast on any issue proposed to be considered at such special meeting; provided that, the shareholders&rsquo; request is in proper form as prescribed in the GrandSouth bylaws or as otherwise required by applicable law.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">The bylaws of First Bancorp provide that special meetings may be called by First Bancorp&rsquo;s Chief Executive Officer, President, or by First Bancorp&rsquo;s board.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>Advance Notice Requirements for Shareholder Proposals</I></B></P>

</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">The bylaws of GrandSouth provide that for business to be brought properly before an annual meeting by a shareholder, the shareholder must have given timely notice of the business in writing to the Secretary. To be timely, the notice must be delivered or mailed not less than 30 nor more than 60 days in advance of the annual meeting (provided, however, that if less than 31 days&rsquo; notice of the meeting is given to shareholders, such written notice shall be delivered or mailed to the Secretary not later than the close of business on the tenth day following the day on which notice of the meeting was mailed to shareholders). A shareholder&rsquo;s notice must set forth as to each matter the shareholder proposes to bring before the annual meeting (a)&nbsp;a description of the business desired to be brought before the annual meeting (including the specific proposal(s)&nbsp;to be presented) and the reasons for conducting such business at the annual meeting; (b)&nbsp;the name and record address of the shareholder proposing such business; (c)&nbsp;the class and number of shares of GrandSouth that are owned of record, and the class and number of shares of GrandSouth that are held beneficially, but not held of record; and (d)&nbsp;any interest of the shareholder in such business.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: left"><P STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">The
bylaws of First Bancorp provide that for business to be brought properly before an annual meeting by a shareholder, the shareholder must
have given timely notice of the business in writing to the Secretary. To be timely, the notice must be delivered or mailed to and received
at the principal offices of First Bancorp not less than 60 days before the first anniversary of the date of the proxy statement for the
preceding year&rsquo;s annual meeting.&nbsp;</P>
                                                                              <P STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">A shareholder&rsquo;s notice must set forth as to each matter the shareholder proposes to bring before the annual meeting (i)&nbsp;a brief description of the business desired to be brought before the annual meeting and the reasons for conducting such business at the annual meeting, (ii)&nbsp;the name and address as they appear on First Bancorp&rsquo;s books of the shareholder proposing such business, (iii)&nbsp;the class, series, and number of First Bancorp&rsquo;s shares that are owned of record and beneficially by such shareholder, and (iv)&nbsp;any material interest of such shareholder in such business. </P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Number of Directors</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">The articles of incorporation of GrandSouth provide that the GrandSouth board of directors shall have the power from time to time to set the number of GrandSouth directors at five or more directors. The GrandSouth board currently has 13 directors. </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">The bylaws of First Bancorp provide that the number of directors on the First Bancorp board may range from seven to 25. The number of directors may be fixed from time to time by the First Bancorp board. The First Bancorp board currently has 14 directors.</TD></TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 49%">GrandSouth Shareholder Rights</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 49%">First Bancorp Shareholder Rights</TD></TR>

<TR STYLE="font-size: 1pt; vertical-align: bottom">
    <TD STYLE="font: bold 1pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD><TD STYLE="font: bold 1pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="font: bold 1pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Structure of the Board</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">The bylaws of GrandSouth provide that the terms of office for directors continue until the next annual meeting or until removed. Accordingly, GrandSouth directors serve one-year terms.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">The bylaws of First Bancorp provide that the terms of office for directors continue until the next annual meeting and until their successors are elected and qualified. Accordingly, First Bancorp directors serve one-year terms <BR></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Removal of Directors</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">The bylaws of GrandSouth provide that directors may be removed with or without cause by unanimous vote of the GrandSouth board (with the abstention of any director who is the subject of such vote) or the affirmative vote of the holders of at least 80% of the shares entitled to vote at an election of directors, such vote being taken at a meeting of the shareholders called for that purpose at which a quorum is present. </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">The bylaws of First Bancorp provide that directors may be removed, with or without cause, by an affirmative vote of the holders of a majority of the shares entitled to vote on the election of directors.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><I>Approval of Business Transactions</I></B></P>

</TD></TR>
  <TR STYLE="text-align: justify; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><P STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">The
articles of incorporation of GrandSouth provide that any plan of merger, consolidation or exchange or any plan for the sale of all or
substantially all of the assets of GrandSouth that has not been adopted by at least two-thirds of the full board of directors must be
approved by the affirmative vote of holders of 80% of the outstanding shares of GrandSouth.&nbsp;</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">So long as any shares of the preferred stock are outstanding, the articles of incorporation of GrandSouth require approval of the preferred stock to consummate a merger, share exchange, consolidation or other business combination, voting together with the holders of our common stock as a single voting group, and separately as a class, as required by the SCBCA. </P></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><P STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">Neither
the articles of incorporation nor the bylaws of First Bancorp require any supermajority vote of common stock holders for the approval
of business transactions.</P>
                                                                              <P STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">So
long as any shares of the Series&nbsp;A preferred stock are outstanding, the articles of incorporation of First Bancorp require approval
of a supermajority (66&nbsp;2/3%) of the Series&nbsp;A preferred stock to effect or validate certain business transactions. As of the
date of this proxy statement/prospectus, no shares of the Series&nbsp;A preferred stock are outstanding.</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">So long as any
shares of the Series&nbsp;C preferred stock are outstanding, the articles of incorporation of First Bancorp require approval of a majority
of the Series&nbsp;C preferred stock to enter into any agreement, merger or business consolidation if the rights of the Series&nbsp;C
holders are adversely affected. As of the date of this proxy statement/prospectus, no shares of the Series&nbsp;C preferred stock are
outstanding.&nbsp;</P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Other Shareholder Protections</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">The South Carolina business combination statute provides that a 10% or greater shareholder of a South Carolina corporation cannot engage in a &ldquo;business combination&rdquo; (as defined in the statute) with such corporation for a period of two years following the date on which the 10% shareholder became such, unless the business combination or the acquisition of shares is approved by a majority of the disinterested members of such corporation&rsquo;s board of directors before the 10% shareholder&rsquo;s share acquisition date. This statute further provides that at no time (even after the two-year period subsequent to such share acquisition date) may the 10% shareholder engage in a business combination with the relevant corporation unless certain approvals of the board of directors or disinterested shareholders are obtained or unless the consideration given in the combination meets certain minimum standards set forth in the statute. GrandSouth&rsquo;s articles of incorporation expressly provide that the business combination statute applies to GrandSouth. </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: justify">The North Carolina Shareholder Protection Act generally requires that, unless certain &ldquo;fair price&rdquo; and procedural requirements are satisfied, an affirmative vote of 95% of a public corporation&rsquo;s voting shares is required to approve certain business combination transactions with another entity that is the beneficial owner, directly or indirectly, of more than 20% of the corporation&rsquo;s voting shares or which is an affiliate of the corporation and previously has been a 20% beneficial holder of such shares. First Bancorp has not opted out of the Act by expressly providing in its articles of incorporation that the provisions of the Act are not applicable to First Bancorp. </TD></TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 49%">GrandSouth Shareholder Rights</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 49%">First Bancorp Shareholder Rights</TD></TR>

<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Control Share Acquisitions</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; text-align: justify">Section&nbsp;35-2-101 et seq. of the SCBCA contains a control share acquisition statute that, in general terms, provides that where a shareholder acquires issued and outstanding shares of a corporation&rsquo;s voting stock (&ldquo;control shares&rdquo;) within one of several specified ranges (one-fifth or more but less than one-third, one-third or more but less than a majority, or a majority or more), approval of the control share acquisition by the corporation&rsquo;s shareholders must be obtained before the acquiring shareholder may vote the control shares. The required shareholder vote is a majority of all votes entitled to be cast, excluding &ldquo;interested shares,&rdquo; defined as shares held by the acquiring person, officers of the corporation and employees who are also directors of the corporation. A corporation may, however, opt out of the control share acquisition statute through a provision of the articles of incorporation or bylaws, which GrandSouth has done pursuant to its bylaws. Accordingly, the South Carolina Control Share Acquisitions statute does not apply to acquisitions of shares of GrandSouth stock. </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">The North Carolina Control Share Acquisition Act generally provides that, except as provided below, &ldquo;control shares&rdquo; will not have any voting rights. Control shares are shares acquired by a person under certain circumstances which, when added to other shares owned, would give such person effective control over one-fifth, one-third, or a majority of all voting power in the election of the corporation&rsquo;s directors. However, voting rights will be restored to control shares by resolution approved by the affirmative vote of the holders of a majority of the corporation&rsquo;s voting stock (other than shares held by the owner of the control shares, officers of the corporation, and directors of the corporation). If voting rights are granted to control shares which give the holder a majority of all voting power in the election of the corporation&rsquo;s directors, then the corporation&rsquo;s other shareholders may require the corporation to redeem their shares at their fair value. First Bancorp has not opted out of the Act by expressly providing in its articles of incorporation that the provisions of the Act are not applicable to First Bancorp.</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Limitation of Personal Liability of Directors and Officers; Indemnification</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: justify"><P STYLE="margin-top: 0; margin-bottom: 0">GrandSouth&rsquo;s articles of incorporation provide that no director of GrandSouth shall be personally liable to GrandSouth or its shareholders for monetary damages for breach of fiduciary duty as a director, to the maximum extent permitted by law.</P>
                                                                                                   <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">GrandSouth&rsquo;s bylaws provide that each of its directors has the right to be indemnified by GrandSouth to the maximum extent permitted by law against expenses (including attorneys&rsquo; fees), judgments, fines, amounts paid in settlement and other similar costs actually and reasonably incurred in connection with any threatened, pending or completed action, suit or other proceeding by reason of the fact that such director is or was a director of the GrandSouth or is or was serving at GrandSouth&rsquo;s request as a director, officer, partner, trustee, employee or agent of another corporation, partnership, joint venture, trust, employee benefit plan or other enterprise. This right to indemnification includes the right to the advancement of reasonable expenses by us, to the maximum extent permitted by law. Under GrandSouth&rsquo;s bylaws, each of its officers, employees and agents who are not directors is entitled to the same indemnification rights, including the right to the advancement of reasonable expenses, which are provided to its directors. </P></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">First Bancorp&rsquo;s articles of incorporation provide that no director of First Bancorp shall be personally liable to First Bancorp or its shareholders for breach of his or her duty of care or other duty as a director, but only to the extent permitted from time to time by the NCBCA. First Bancorp&rsquo;s bylaws provide that any person who at any time serves or has served as a director or officer of First Bancorp or of any wholly owned subsidiary of First Bancorp, or in such capacity at the request of First Bancorp for any other foreign or domestic corporation, partnership, joint venture, trust or other enterprise, or as a trustee or administrator under any employee benefit plan of First Bancorp or of any wholly owned subsidiary thereof has the right to be indemnified and held harmless by First Bancorp to the fullest extent from time to time permitted by law against all liabilities and litigation expenses in the event a claim is made or threatened against that person in, or that person is made or threatened to be made a party to, any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative, and whether or not brought by or on behalf of First Bancorp, including all appeals therefrom, arising out of that person&rsquo;s status as such or that person&rsquo;s activities in any such capacity; provided, however, that such indemnification shall not be available with respect to (a)&nbsp;that portion of any liabilities or litigation expenses with respect to which the claimant is entitled to receive payment under any insurance policy or (b)&nbsp;any liabilities or litigation expenses incurred on account of any of the claimant&rsquo;s activities which were at the time taken known or believed by the claimant to be clearly in conflict with the best interests of First Bancorp.</TD></TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 49%">GrandSouth Shareholder Rights</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 49%">First Bancorp Shareholder Rights</TD></TR>

<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Shareholder Action Without Meeting</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: justify">The SCBCA provides that action required or permitted to be taken at a shareholders&rsquo; meeting may be taken without a meeting, if the action is taken by all the shareholders entitled to vote on the action. GrandSouth&rsquo;s articles of incorporation and bylaws do not change this default provision. </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><P STYLE="margin-top: 0; margin-bottom: 0">The NCBCA provides that action required or permitted to be taken at a shareholders&rsquo; meeting may be taken without a meeting and without prior notice (except as provided below), if the action is taken by all the shareholders entitled to vote on the action.</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">Unless the articles of incorporation otherwise provide, if shareholder approval is required for (i)&nbsp;an amendment to the articles of incorporation, (ii)&nbsp;a plan of merger or share exchange, (iii)&nbsp;a plan of conversion, (iv)&nbsp;the sale, lease, exchange, or other disposition of all, or substantially all, of First Bancorp&rsquo;s property, or (v)&nbsp;a proposal for dissolution, and the approval is to be obtained through action without meeting, First Bancorp must give its shareholders, other than shareholders who consent to the action, written notice of the proposed action at least 10 days before the action is taken.</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">First Bancorp&rsquo;s articles of incorporation and bylaws do not change this default provision. </P></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Amendments to Articles of Incorporation and Bylaws</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify"><P STYLE="margin-top: 0; margin-bottom: 0">Any amendment to GrandSouth&rsquo;s articles of incorporation (other than amendments that may adopted by the GrandSouth board of directors without shareholder approval) to change the number of shares or classes of shares GrandSouth is authorized to issue, or to change the name of GrandSouth, may be adopted upon approval by the affirmative vote of a majority of the outstanding shares of GrandSouth.</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">Unless approved by the affirmative vote of at least two-thirds of the GrandSouth board of directors, amendments concerning the following matters shall not be effective unless approved by the affirmative vote of 80% of the outstanding shares of GrandSouth: no preemptive rights; no cumulative voting; number of directors; business combinations; limitation of director liability; quorum; mergers, consolidations, exchanges, sales of assets or dissolution; nomination of directors; removal of directors; duty of directors; and amendment to articles of incorporation. If two-thirds of the GrandSouth board of directors approves an amendment concerning the foregoing matters, then such amendment need only be approved by an affirmative vote of holders of two-thirds of the outstanding shares of GrandSouth.</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">The GrandSouth bylaws may be altered, amended or repealed by a majority vote of the GrandSouth board of directors or by the affirmative vote of the holders of a majority of each class of shares entitled to vote thereon, provided notice of the proposed alteration, amendment or repeal is contained in the notice of the meeting. </P></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: justify"><P STYLE="margin-top: 0; margin-bottom: 0">The NCBCA provides that a corporation&rsquo;s articles of incorporation generally may be amended upon approval by the board of directors and the holders of a majority of the outstanding shares of such corporation&rsquo;s common stock entitled to vote on the amendment.</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">First Bancorp&rsquo;s articles of incorporation do not change this default provision.</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                                              <P STYLE="margin-top: 0; margin-bottom: 0">First Bancorp&rsquo;s bylaws provide that except as otherwise provided in a bylaw adopted by the shareholders, the articles of incorporation, or the NCBCA, the First Bancorp board may amend or repeal the bylaws, except that a bylaw adopted, amended or repealed by the shareholders may not be readopted, amended or repealed by the First Bancorp board if neither the articles of incorporation nor a bylaw adopted by the shareholders authorizes the First Bancorp board to adopt, amend or repeal that particular bylaw or the bylaws generally. </P></TD></TR>
</TABLE>

<P STYLE="font-size: 10pt; margin: 0">&nbsp;</P>

<P STYLE="margin: 0; font-size: 10pt"></P>

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<P STYLE="margin: 0; font-size: 10pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 49%">GrandSouth Shareholder Rights</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; width: 2%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center; width: 49%">First Bancorp Shareholder Rights</TD></TR>

<TR STYLE="vertical-align: bottom">
    <TD STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center; width: 49%">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 49%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="3" STYLE="font: italic bold 10pt Times New Roman, Times, Serif; text-align: center">Voting Rights</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif; text-align: justify">The holders of GrandSouth common stock possess exclusive voting power, except as otherwise provided by law or by articles of amendment establishing any series of preferred stock. Each outstanding share of GrandSouth common stock is entitled to one vote on each matter submitted to a vote at a meeting of shareholders. Each outstanding share of other classes of stock, if any, shall have such voting rights as may be prescribed by GrandSouth board. There is no cumulative voting for the election of directors. </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify">All voting rights are vested in the holders of First Bancorp common stock. Each holder of First Bancorp common stock is entitled to one vote per share on each matter submitted to a vote at a meeting of shareholders. With respect to the election of directors, holders of First Bancorp common stock may choose to elect directors by cumulative voting. If cumulative voting is in effect, each shareholder is entitled to multiply the number of votes he, she or it is entitled to cast by the number of directors for whom he, she or it is entitled to vote, and to cast the product for a single candidate or distribute the product among two or more candidates. Cumulative voting procedures will not be followed at an annual meeting unless a shareholder calls for cumulative voting as provided in First Bancorp&rsquo;s articles of incorporation, by announcing at the meeting before the voting for directors starts, his, her or its intention to vote cumulatively.</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="h_002"></A>COMPARATIVE
MARKET PRICES AND DIVIDENDS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp common stock
is listed on the NASDAQ GSM under the symbol &ldquo;FBNC&rdquo; and GrandSouth common stock is quoted on the OTCQX under the symbol &ldquo;GRRB.&rdquo;
The following table sets forth the high and low reported closing sale prices per share of First Bancorp common stock and GrandSouth common
stock, and the cash dividends declared per share for the periods indicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: justify; padding-bottom: 1pt"> &nbsp; </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD COLSPAN="9" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>First
                                            Bancorp&nbsp;Common&nbsp;Stock</B></FONT> </TD><TD STYLE="padding-bottom: 1pt; text-align: left"> &nbsp; </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD COLSPAN="9" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>GrandSouth&nbsp;Common&nbsp;Stock</B></FONT> </TD><TD STYLE="padding-bottom: 1pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: justify; padding-bottom: 1pt"> &nbsp; </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>High</B></FONT> </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Low</B></FONT> </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Dividend</B></FONT> </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>High</B></FONT> </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Low</B></FONT> </TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: center"> &nbsp; </TD><TD STYLE="text-align: center; font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> &nbsp; </TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> &nbsp; </TD><TD STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Dividend</B></FONT> </TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"> 2020 </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 16%; font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 20pt; padding-left: 3pt"> First
    Quarter </TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 40.00 </TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 17.32 </TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.18 </TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 22.00 </TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 13.00 </TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.08 </TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 20pt; padding-left: 3pt"> Second Quarter </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 29.65 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 19.26 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.18 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 15.47 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 14.00 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.08 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 20pt; padding-left: 3pt"> Third Quarter </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 25.20 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 19.60 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.18 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 14.85 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 13.35 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.08 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; text-indent: 20pt; padding-left: 3pt"> Fourth Quarter </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 34.78 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 20.44 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.18 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 15.61 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 13.33 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.08 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"> 2021 </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 21pt"> First Quarter </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 48.83 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 32.47 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.20 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 20.99 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 15.21 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.10 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 21pt"> Second Quarter </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 45.87 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 39.32 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.20 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 26.25 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 20.25 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.10 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 21pt"> Third Quarter </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 44.17 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 37.60 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.20 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 25.00 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 22.00 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.10 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 21pt"> Fourth Quarter </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 50.92 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 41.84 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.20 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 29.00 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 22.28 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.10 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: justify"> 2022 </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: right"> &nbsp; </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 21pt"> First Quarter </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 47.11 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 41.23 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.22 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 30.00 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 27.00 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.13 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: justify; padding-left: 21pt"> Second Quarter </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 42.55 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 33.87 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.22 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 31.50 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 26.80 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"> &nbsp; </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> $ </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"> 0.13 </TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-left: 21pt"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third
    Quarter (through September 14, 2022)</FONT> </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 39.53 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 33.36 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 0.22 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 35.12 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 29.50 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD><TD STYLE="font-size: 10pt"> &nbsp; </TD>
    <TD STYLE="font-size: 10pt; text-align: left"> $ </TD><TD STYLE="font-size: 10pt; text-align: right"> 0.13 </TD><TD STYLE="font-size: 10pt; text-align: left"> &nbsp; </TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> On June&nbsp;21, 2022,
the last full trading day before the public announcement of the merger agreement, the high and low sales prices of shares of First Bancorp
common stock as reported on the NASDAQ GSM were $35.47 and $34.61, respectively. On September 14, 2022, the last practicable trading
day prior to printing of this proxy statement/prospectus, the high and low sales prices of shares of First Bancorp common stock as reported
on the NASDAQ GSM were $37.00 and $36.30, respectively. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> On June&nbsp;21, 2022,
the last full trading day before the public announcement of the merger agreement, the high and low sales prices of shares of GrandSouth
common stock as reported on the OTCQX was $ 27.75. On September 14, 2022, the last practicable trading day prior to printing of this
proxy statement/prospectus, the high and low sales prices of shares of GrandSouth common stock as reported on the OTCQX were $ 32.77
and $32.71, respectively. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> &nbsp; </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.25in"> As of September 14, 2022,
the last date prior to printing this proxy statement/prospectus for which it was practicable to obtain this information for First Bancorp
and GrandSouth, respectively, there were approximately 3,180 registered holders of First Bancorp common stock, approximately 283 registered
holders of GrandSouth common stock and approximately 294 registered holders of GrandSouth preferred stock. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth&rsquo;s shareholders
are advised to obtain current market quotations for First Bancorp common stock and GrandSouth common stock. The market price of First
Bancorp common stock and GrandSouth common stock will fluctuate between the date of this proxy statement/prospectus and the date of completion
of the merger. No assurance can be given concerning the market price of First Bancorp common stock or GrandSouth common stock before or
after the effective date of the merger. Changes in the market price of First Bancorp common stock prior to the completion of the merger
will affect the market value of the merger consideration that GrandSouth shareholders will receive upon completion of the merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="h_003"></A>SECURITY
OWNERSHIP OF CERTAIN BENEFICIAL OWNERS<BR>
AND MANAGEMENT OF FIRST BANCORP</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following table sets forth
certain information as of August 15, 2022, unless otherwise specified, with respect to shares of First Bancorp common stock beneficially
owned by: (i) each person known to First Bancorp to be the beneficial owner of more than 5% of First Bancorp&rsquo;s common stock; (ii)
each director and each named executive officer of First Bancorp as of August 15, 2022; and (iii) all First Bancorp directors and executive
officers as a group. This information has been provided by each of the directors and executive officers at First Bancorp&rsquo;s request
or derived from statements filed with the SEC pursuant to Section 13(d) or 13(g) of the Exchange Act. Beneficial ownership of securities
means the possession, directly or indirectly, through any formal or informal arrangement, either individually or in a group, of voting
power (which includes the power to vote, or to direct the voting of, such security) and/or investment power (which includes the power
to dispose of, or to direct the disposition of, such security). Unless otherwise indicated, to First Bancorp&rsquo;s knowledge the beneficial
owner has sole voting and dispositive power over the shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="padding-left: 5.4pt; width: 34%; border: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Name
    of Beneficial Owner</B></FONT> </TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Amount
    and Nature of<BR>
    Beneficial Ownership<SUP>(1)</SUP></B></FONT> </TD>
    <TD STYLE="width: 33%; border-top: black 1pt solid; border-right: black 1pt solid; border-bottom: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Percent
    of Class<SUP>(2)</SUP></B>&nbsp;</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>5%
    Shareholders:</B></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">BlackRock
    Inc.</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,183,539
    <SUP>(3)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.5%</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
    Vanguard Group</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,310,573
    <SUP>(4)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.5%</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Directors:</B></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Richard
    H, Moore<SUP>(5)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">144,908</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Michael
    G. Mayer<SUP>(6)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">80,586</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mary
    Clara Capel</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,077</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">James
    C. Crawford<SUP>(7)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">85,840</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Suzanne
    S. DeFerie<SUP>(8)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">84,801</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Abby
    J. Donnelly<SUP>(9)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,896</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John
    B. Gould<SUP>(10)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,164</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John
    W. McCauley</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17,161</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Carlie
    C. McLamb, Jr.<SUP>(11)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34,913</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dexter
    V. Perry</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,485</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">O.
    Temple Sloan, III</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13,187</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Frederick
    L. Taylor, II</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38,434</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Virginia
    C. Thomasson</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32,490</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dennis&nbsp;&nbsp;A.
    Wicker<SUP>(12)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26,462</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Other
    Named Executive Officers:</B></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Elizabeth
    B. Bostian<SUP>(13)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,530</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gregory
    A. Currie<SUP>(14)</SUP></FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15,573</FONT> </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT> </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-left: black 1pt solid; border-right: black 1pt solid; text-align: justify"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD>
    <TD STYLE="border-right: black 1pt solid; text-align: center"> &nbsp; </TD></TR>
  <TR>
    <TD STYLE="padding-left: 5.4pt; border-bottom: Black 1pt solid; border-left: black 1pt solid; border-right: black 1pt solid"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Directors
    and Named Executive Officers as a Group (16 persons)</FONT> </TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">645,507</FONT> </TD>
    <TD STYLE="border-bottom: Black 1pt solid; border-right: Black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.8%</FONT> </TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">*</TD><TD STYLE="text-align: justify">Indicates
                                            beneficial ownership of less than 1% of the issued and outstanding shares.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(1)</SUP></FONT></TD><TD STYLE="text-align: justify">Unless
                                            otherwise indicated, each individual has sole voting and investment power with respect to
                                            all shares beneficially owned by such individual, including executive officers&rsquo; reported
                                            shares in our 401(k)&nbsp;defined contribution plan (&ldquo;401(k)&nbsp;plan&rdquo;), which
                                            are voted by the plan trustee and not by the executive for whom such shares are listed. There
                                            are no shares that may be acquired within 60 days by exercising stock options.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"> <FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(2)</SUP></FONT> </TD><TD STYLE="text-align: justify"><P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"> Based
                                            on a total of 35,710,892 shares of our common stock outstanding as of September 14, 2022. </P></TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(3)</SUP></FONT></TD><TD STYLE="text-align: justify">Based
                                            on a Schedule 13G/A filed by BlackRock Inc. on January&nbsp;27, 2022, that indicates it holds
                                            sole power to vote 5,099,252 shares and sole power to dispose of 5,183,539 shares.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(4)</SUP></FONT></TD><TD STYLE="text-align: justify">Based
                                            on a Schedule 13G/A filed by The Vanguard Group on February&nbsp;10, 2022, that indicates
                                            it holds sole power to vote 0 shares, shared power to vote 30,154 shares, sole power to dispose
                                            of 2,254,600 shares and shared power to dispose of 55,973 shares.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(5)</SUP></FONT></TD><TD STYLE="text-align: justify">Mr.&nbsp;Moore&rsquo;s
                                            shares also include 11,432 shares held in the 401(k)&nbsp;plan.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(6)</SUP></FONT></TD><TD STYLE="text-align: justify">Mr.&nbsp;Mayer&rsquo;s
                                            shares include 1,017 shares held by his spouse and 1,210 shares held in the 401(k)&nbsp;plan.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(7)</SUP></FONT></TD><TD STYLE="text-align: justify">Mr.&nbsp;Crawford&rsquo;s
                                            shares include 8,325 shares held by his spouse and 6,600 shares held jointly with his children.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(8)</SUP></FONT></TD><TD STYLE="text-align: justify">Ms.&nbsp;DeFerie&rsquo;s
                                            shares include 1,807 shares held in the 401(k)&nbsp;plan.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(9)</SUP></FONT></TD><TD STYLE="text-align: justify">Ms.&nbsp;Donnelly
                                            also holds 5,500 shares in a Rabbi Trust for director fees accumulated during her service
                                            as a director of Carolina Bank Holdings,&nbsp;Inc.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(10)</SUP></FONT></TD><TD STYLE="text-align: justify">Mr.&nbsp;Gould&rsquo;s
                                            shares include 2,301 shares held by his spouse.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(11)</SUP></FONT></TD><TD STYLE="text-align: justify">Mr.&nbsp;McLamb&rsquo;s
                                            shares include 12,212 shares held by his spouse.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(12)</SUP></FONT></TD><TD STYLE="text-align: justify">Mr.&nbsp;Wicker&rsquo;s
                                            shares include 5,000 shares held by his spouse.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(13)</SUP></FONT></TD><TD STYLE="text-align: justify">Ms.&nbsp;Bostian&rsquo;s
                                            shares include 911 shares held in the 401(k)&nbsp;plan.</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(14)</SUP></FONT></TD><TD STYLE="text-align: justify">Mr.&nbsp;Currie&rsquo;s
                                            shares include 2,058 shares held in the 401(k)&nbsp;plan.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="text-transform: uppercase"><B><A NAME="h_004"></A>SECURITY
OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT OF GRANDSOUTH</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The following tables set forth
certain information as of August&nbsp;15, 2022, unless otherwise specified, with respect to shares of GrandSouth stock beneficially owned
by: (i)&nbsp;each person known to GrandSouth to be the beneficial owner of more than 5% of the shares of GrandSouth common stock and/or
preferred stock; (ii)&nbsp;each director and each named executive officer of GrandSouth; and (iii)&nbsp;all GrandSouth directors and executive
officers as a group. This information has been provided by each of the directors and executive officers at GrandSouth request or derived
from statements filed with the SEC pursuant to Section&nbsp;13(d)&nbsp;or 13(g)&nbsp;of the Exchange Act. Beneficial ownership of securities
means the possession, directly or indirectly, through any formal or informal arrangement, either individually or in a group, of voting
power (which includes the power to vote, or to direct the voting of, such security) and/or investment power (which includes the power
to dispose of, or to direct the disposition of, such security).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B><U>COMMON STOCK</U></B> <B>&nbsp;</B></P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; font-size: 10pt; font-weight: bold">Name of Beneficial Owner</TD><TD STYLE="padding-bottom: 1pt; text-align: center; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><B>Shares <BR>
<FONT STYLE="font-size: 10pt">Owned</FONT><SUP>(1)</SUP></B></TD><TD STYLE="padding-bottom: 1pt; text-align: center; font-size: 10pt; font-weight: bold">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Stock Options<BR>
 Exercisable<BR>
 within 60 Days</TD><TD STYLE="padding-bottom: 1pt; text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Total <BR>
Beneficial<BR>
 Ownership</TD><TD STYLE="padding-bottom: 1pt; text-align: center; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; text-align: center; font-size: 10pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; font-size: 10pt; font-weight: bold"><FONT STYLE="font-size: 10pt"><B>Percentage
of<BR>
 Class</B></FONT><B><SUP>(2)</SUP></B></TD><TD STYLE="padding-bottom: 1pt; text-align: center; font-size: 10pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 10pt; font-weight: bold">5% Shareholders:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 44%; text-align: justify">Mason Y. Garrett(3)</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">961,461</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">961,461</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">18.4</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; font-weight: bold; text-align: left">Directors and Named Executive Officers: </TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mason Y. Garrett<SUP>(3)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">961,461</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">961,461</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">18.4</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">James B. Schwiers</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">90,340</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">64,183</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">154,523</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2.9</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John B. Garrett<SUP>(4)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">180,565</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">15,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">195,565</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.7</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Harold E. Garrett<SUP>(5)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">176,166</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">182,166</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.5</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Michael L. Gault<SUP>(6)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">75,098</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">81,098</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Baety O. Gross, Jr.<SUP>(7)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">30,745</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">36,745</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">S. Hunter Howard, Jr.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">38,437</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">44,437</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Anthony Morgan</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">53,135</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">59,135</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">J. Randolph Potter<SUP>(8)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2,883</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">4,883</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">J. Calhoun Pruitt</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">10,667</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">16,667</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Edward Monts Rast, Jr.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">7,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">John Shealy</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,500</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">6,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9,500</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">LeeAnn Weber</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">22,768</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">2,000</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">24,768</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left">Directors and Named Executive Officers as a Group (13 total)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1,646,765</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">131,183</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">1,777,948</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">34.0</TD><TD STYLE="font-size: 10pt; text-align: left">%</TD></TR>
  </TABLE>



<P STYLE="margin: 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">Less
than one percent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(1)</SUP></FONT></TD><TD STYLE="text-align: justify"><P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif">Beneficial ownership is determined under the rules of the SEC and generally
includes voting or investment power with respect to securities. Except as indicated in the footnotes to this table and pursuant to applicable
community property laws, to GrandSouth&rsquo;s knowledge the persons named in the table above have sole voting and investment power with
respect to all shares of common stock beneficially owned.</P></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"> <FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(2)</SUP></FONT> </TD><TD STYLE="text-align: justify"><P STYLE="margin: 0pt 0; font: 10pt Times New Roman, Times, Serif"> The
                                            calculations are based on 5,222,042 shares of common stock outstanding on September 14, 2022.
                                            For each individual, this percentage is determined by assuming the named person exercises
                                            all rights with respect to GrandSouth common stock within 60 days of September 14, 2022 which
                                            he or she has the right to acquire within 60 days, but that no other person exercises any
                                            such rights with respect to GrandSouth common stock. For the directors and named executive
                                            officers as a group, this percentage is determined by assuming that each director and named
                                            executive officer exercises all rights with respect to GrandSouth common stock which he or
                                            she has the right to acquire within 60 days, but that no other persons exercise any such
                                            right. </P></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(3)</SUP></FONT></TD><TD STYLE="text-align: justify">Includes 174,663 shares owned by Mr.&nbsp;M. Garrett&rsquo;s wife, as to which Mr.&nbsp;M. Garrett disclaims
beneficial ownership; 2,223 shares held by Mr.&nbsp;M. Garrett as custodian for his step-daughter; 61,492 shares held by Mr.&nbsp;M. Garrett
as custodian for his brother; 61,492 shares owned by a partnership in which Mr.&nbsp;M. Garrett has a 20% interest and shares voting and
investment power over the shares with the other four partners; 13,336 shares held by Mr.&nbsp;M. Garrett as custodian for his grandchildren;
and 300,000 shares held in a grantor trust of which Mr.&nbsp;M. Garrett is beneficiary.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(4)</SUP></FONT></TD><TD STYLE="text-align: justify">Includes 2,019 shares owned by Mr.&nbsp;J. Garrett&rsquo;s wife, as to which Mr.&nbsp;J. Garrett disclaims
beneficial ownership; and 33,434 shares held by Mr.&nbsp;J. Garrett as custodian for his sons. Does not include 300,000 shares held in
a grantor trust of which Mr.&nbsp;J. Garrett is trustee. Of the total shares beneficially owned by Mr.&nbsp;J. Garrett, 21,810 are pledged
as collateral.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(5)</SUP></FONT></TD><TD STYLE="text-align: justify">Includes 4,296 shares held by Mr.&nbsp;H. Garrett&rsquo;s wife as to which Mr.&nbsp;H. Garrett disclaims
beneficial ownership; and 14,298 shares held by Mr.&nbsp;H. Garrett as custodian for his children. Of the total shares beneficially owned
by Mr.&nbsp;H. Garrett, 154,662 are pledged as collateral.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(6)</SUP></FONT></TD><TD STYLE="text-align: justify">Includes 59,751 shares held by Mr.&nbsp;Gault&rsquo;s wife, as to which Mr.&nbsp;Gault disclaims beneficial
ownership; and 1,536 shares held by Mr.&nbsp;Gault as custodian for his grandchildren.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(7)</SUP></FONT></TD><TD STYLE="text-align: justify">Includes 12,912 shares held indirectly in a trust, as to which Mr.&nbsp;Gross disclaims beneficial ownership.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(8)</SUP></FONT></TD><TD STYLE="text-align: justify">Includes 2,083 shares held by Mr.&nbsp;Potter&rsquo;s wife as to which Mr.&nbsp;Potter disclaims beneficial
ownership.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B><U>PREFERRED STOCK</U></B> <B>&nbsp;</B></P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: justify"><B>&nbsp;</B><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;Name of Beneficial Owner</B></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B></B></P></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Shares<BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Owned</FONT><SUP>(1)</SUP></B></P></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Stock Options<BR>
 Exercisable<BR>
within 60 Days</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif; text-align: center">Total<BR>
Beneficial<BR>
 Ownership</TD><TD STYLE="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Percentage of<BR>
 Class</B></FONT><SUP>(2)</SUP></P></TD><TD STYLE="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; text-align: justify">Directors and Named Executive Officers:</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 44%; font: 10pt Times New Roman, Times, Serif; text-align: left">Mason Y. Garrett</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">9,204</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">9,204</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="width: 10%; font: 10pt Times New Roman, Times, Serif; text-align: right">3.3</TD><TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">James B. Schwiers</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,153</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,153</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">John B. Garrett<SUP>(3)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8,645</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">8,645</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3.1</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Harold E. Garrett</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Michael L. Gault<SUP>(4)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,681</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">3,681</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.3</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Baety O. Gross,&nbsp;Jr.<SUP>(5)</SUP></FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">612</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">612</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">S. Hunter Howard,&nbsp;Jr.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Anthony Morgan</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">600</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">600</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">J. Randolph Potter</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,192</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,192</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">J. Calhoun Pruitt</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Edward Monts Rast,&nbsp;Jr.</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">John Shealy</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">LeeAnn Weber</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;Directors and Named Executive Officers as a Group (13 total)</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27,087</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">--</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">27,087</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">9.6</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">*</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size: 10pt">Less
than one percent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(1)</SUP></FONT></TD><TD STYLE="text-align: justify"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: justify">Beneficial ownership
is determined under the rules of the SEC and generally includes voting or investment power with respect to securities. Except as indicated
in the footnotes to this table and pursuant to applicable community property laws, to GrandSouth&rsquo;s knowledge the persons named in
the table above have sole voting and investment power with respect to all shares of common stock beneficially owned.</P></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(2)</SUP></FONT></TD><TD STYLE="text-align: justify">The calculations are based on 282,828 shares of preferred stock outstanding on August&nbsp;15, 2022.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(3)</SUP></FONT></TD><TD STYLE="text-align: justify">Includes 6,190 shares owned by Mr.&nbsp;J. Garrett as custodian for his children.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(4)</SUP></FONT></TD><TD STYLE="text-align: justify">Includes 2,145 shares owned by Mr.&nbsp;Gault&rsquo;s wife.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(5)</SUP></FONT></TD><TD STYLE="text-align: justify">Includes 612 shares held in a trust of which Mr.&nbsp;Gross is a beneficiary.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="h_005"></A>LEGAL
MATTERS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The validity of the First
Bancorp common stock to be issued in connection with the merger will be passed upon for First Bancorp by Brooks Pierce. Certain U.S. federal
income tax consequences relating to the merger will be passed upon for First Bancorp and GrandSouth by Brooks Pierce.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="h_006"></A>EXPERTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="hhh_002"></A><B>First Bancorp</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The
consolidated financial statements of First Bancorp </FONT>appearing in its Annual Report on Form&nbsp;10-K as of December&nbsp;31, 2021
and 2020 and for each of the three years in the period ended December&nbsp;31, 2021 and management&rsquo;s assessment of the effectiveness
of internal control over financial reporting as of December&nbsp;31, 2021 incorporated by reference herein have been so incorporated in
reliance on the reports of BDO USA, LLP, an independent registered public accounting firm, incorporated herein by reference, given on
the authority of said firm as experts in auditing and accounting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="hhh_003"></A>GrandSouth</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The consolidated financial
statements of GrandSouth appearing in its Annual Report on Form&nbsp;10-K as of December&nbsp;31, 2021 and 2020, and for the years then
ended, have been audited by Elliott Davis, LLC, independent registered public accounting firm, as set forth in its report thereon, included
therein, and incorporated herein by reference. Such consolidated financial statements are incorporated herein by reference in reliance
upon such report given on the authority of such firm as experts in accounting and auditing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="I_001"></A><FONT STYLE="text-transform: uppercase"><B>DEADLINES
FOR SUBMITTING SHAREHOLDER PROPOSALS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><A NAME="iii_004"></A><B>First Bancorp</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">It is presently anticipated
that First Bancorp&rsquo;s 2023 annual meeting of First Bancorp shareholders will be held in May&nbsp;2023. In order for shareholder proposals
to be included in the proxy materials solicited by the First Bancorp board for that meeting, proposals (other than director nominations),
must be received by First Bancorp&rsquo;s Corporate Secretary at 300 SW Broad Street, Southern Pines, North Carolina 28387, no later than
November&nbsp;23, 2022 and meet all other applicable requirements for inclusion in the proxy material. If the proposal is not received
by November&nbsp;23, 2022, the proposal will not be considered timely. To be considered for inclusion in the proxy materials solicited
by the First Bancorp board for First Bancorp&rsquo;s 2023 annual meeting, First Bancorp shareholder proposals involving a director nomination
must be received by First Bancorp&rsquo;s Corporate Secretary prior to February&nbsp;1, 2023, but not earlier than January&nbsp;6, 2023.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Bylaws of First Bancorp
establish an advance notice procedure for shareholder proposals to be brought before an annual meeting of shareholders of First Bancorp.
Subject to any other applicable requirements, only such business may be conducted at an annual meeting of the shareholders as has been
brought before the meeting by, or at the direction of, the First Bancorp board or by a shareholder who has given to the Corporate Secretary
of First Bancorp timely written notice, in proper form, of the shareholder&rsquo;s intention to bring that business before the meeting.
The Chair of the meeting has the authority to make such determinations. To be timely, written notice of other business to be brought before
any annual meeting must be received by the Secretary of First Bancorp not less than 60 days before the first anniversary of the mailing
date of First Bancorp&rsquo;s proxy statement in connection with the last annual meeting. The notice of any shareholder proposal must
set forth the various information required under the bylaws. The person submitting the notice must provide, among other things, the name
and address under which such shareholder appears on First Bancorp&rsquo;s books and the class and number of shares of First Bancorp&rsquo;s
capital stock that are beneficially owned by such shareholder. Any shareholder desiring a copy of First Bancorp&rsquo;s bylaws will be
furnished one without charge upon written request to the Corporate Secretary of First Bancorp at the address noted above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B><A NAME="iii_005"></A>GrandSouth</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GrandSouth
will hold a 2023 annual meeting of shareholders only if the merger is not completed. However, if the merger is not completed, it is presently
anticipated that GrandSouth&rsquo;s 2023 annual meeting of GrandSouth shareholders will be held in May&nbsp;of 2023. </FONT>A GrandSouth
shareholder seeking to present a proposal at GrandSouth&rsquo;s annual meeting of shareholders must submit a notice to the Corporate Secretary
of GrandSouth in accordance with GrandSouth&rsquo;s bylaws not less than 30 nor more than 60 days in advance of the annual meeting (provided,
however, that if less than 31 days&rsquo; notice of the meeting is given to shareholders, such written notice shall be delivered or mailed
to the Secretary not later than the close of business on the tenth day following the day on which notice of the meeting was mailed to
shareholders). A shareholder seeking to include a proposal in GrandSouth&rsquo;s proxy statement and form of proxy relating to a meeting
of shareholders must submit the proposal to GrandSouth in accordance with SEC Rule&nbsp;14a-8. With respect to GrandSouth&rsquo;s 2023
annual meeting of shareholders, the deadline to submit a notice of a proposal and to include a proposal in GrandSouth&rsquo;s proxy statement
and form of proxy relating to the meeting is December&nbsp;15, 2022.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">A GrandSouth shareholder seeking to nominate an
individual for election as a director of GrandSouth must submit a notice to the Corporate Secretary of GrandSouth in accordance with GrandSouth&rsquo;s
bylaws, with respect to an annual meeting of shareholders, no later than 90 days in advance of such meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="I_002"></A><FONT STYLE="text-transform: uppercase"><B>WHERE
YOU CAN FIND MORE INFORMATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp is filing with
the SEC this registration statement under the Securities Act to register the issuance of the shares of First Bancorp common stock to be
issued in connection with the merger. This proxy statement/prospectus is a part of that registration statement and constitutes the prospectus
of First Bancorp in addition to being a proxy statement for GrandSouth shareholders. The registration statement, including this proxy
statement/prospectus and the attached exhibits and schedules, contains additional relevant information about First Bancorp and First Bancorp
common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">First
Bancorp and GrandSouth also file reports, proxy statements and other information with the SEC under the Exchange Act. The SEC maintains
an Internet website that contains reports, proxy statements and other information about issuers, such as First Bancorp and GrandSouth,
who file electronically with the SEC. The address of the site is <U>www.sec.gov</U></FONT>. The reports and other information filed by
First Bancorp with the SEC are also available at First Bancorp&rsquo;s website at <U>www.localfirstbank.com</U> under the tab &ldquo;About
US,&rdquo; and then under the heading &ldquo;Investor Relations,&rdquo; and then under the heading &ldquo;SEC Filings.&rdquo; The reports
and other information filed by GrandSouth with the SEC are available at GrandSouth&rsquo;s website at <U>www.grandsouth.com</U> under
the tab &ldquo;Investor Relations,&rdquo; and then under the heading &ldquo;Filings and Financials&rdquo;. The web addresses of the SEC,
First Bancorp and GrandSouth are included as inactive textual references only. Except as specifically incorporated by reference into
this proxy statement/prospectus, information on those web sites is not part of this proxy statement/prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The SEC allows First Bancorp
and GrandSouth to incorporate by reference information in this proxy statement/prospectus. This means that First Bancorp and GrandSouth
can disclose important information to you by referring you to another document filed separately with the SEC. The information incorporated
by reference is considered to be a part of this proxy statement/prospectus, except for any information that is superseded by information
that is included directly in this proxy statement/prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This proxy statement/prospectus
incorporates by reference the documents listed below that First Bancorp and GrandSouth previously filed with the SEC. They contain important
information about the companies and their financial condition.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>First Bancorp SEC Filings</B></FONT><BR>
<B>(SEC File No.&nbsp;000-15572) </B></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 49%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Period or Date Filed</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000010/fbnc-20211231.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Annual Report on Form&nbsp;10-K</FONT></A></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000010/fbnc-20211231.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Year ended December&nbsp;31, 2021</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/Archives/edgar/data/811589/000081158922000032/firstbancorpform11-k_12312.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Annual Report on Form&nbsp;11-K</FONT></A></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/Archives/edgar/data/811589/000081158922000032/firstbancorpform11-k_12312.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed on June&nbsp;24, 2022</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quarterly Reports on
    Form&nbsp;10-Q</FONT> </TD>
    <TD STYLE="text-align: justify"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quarters ended <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000022/fbnc-20220331.htm">March&nbsp;31,
    2022</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000038/fbnc-20220630.htm" STYLE="-sec-extract: exhibit">June&nbsp;30,
    2022</A></FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current Reports on Form&nbsp;8-K</FONT> </TD>
    <TD STYLE="text-align: justify"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000003/fbnc-20220126.htm" STYLE="-sec-extract: exhibit">January&nbsp;26,
    2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000117494722000085/form8k-27271_fbnc.htm" STYLE="-sec-extract: exhibit">January&nbsp;28,
    2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000005/fbnc-20220207.htm" STYLE="-sec-extract: exhibit">February&nbsp;7,
    2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000017/fbnc-20220427.htm" STYLE="-sec-extract: exhibit">April&nbsp;27,
    2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000117494722000659/form8k-28062_fbnc.htm" STYLE="-sec-extract: exhibit">May&nbsp;10,
    2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000027/fbnc-20220613.htm" STYLE="-sec-extract: exhibit">June&nbsp;14,
    2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000029/fbnc-20220615.htm" STYLE="-sec-extract: exhibit">June&nbsp;15,
    2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000110465922072996/tm2218969d1_8k.htm">June&nbsp;21, 2022</A>,
    <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000035/fbnc-20220727.htm" STYLE="-sec-extract: exhibit">July&nbsp;27,
    2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/811589/000081158922000040/fbnc-20220805.htm" STYLE="-sec-extract: exhibit">August&nbsp;5,
    2022</A> and September 15, 2022 (other than those portions of the documents deemed to be furnished and not filed)</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/Archives/edgar/data/811589/000110465922036441/tm228871-2_def14a.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Definitive Proxy Statement on Schedule 14A</FONT></A></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/Archives/edgar/data/811589/000110465922036441/tm228871-2_def14a.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed March&nbsp;22, 2022</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The description of First Bancorp common stock set forth in <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000081158922000010/fbnc-20211231xexx4bsecurit.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;4.B</A> to the Annual Report on Form&nbsp;10-K and any amendment or report filed for the purpose of updating such description</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed on March&nbsp;1, 2022</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>GrandSouth SEC Filings</B></FONT><BR>
<B>(SEC File No.&nbsp;000-31937) </B></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 49%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Period or Date Filed </B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000295/e22170_grrb-10k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Annual Report on Form&nbsp;10-K</FONT></A></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000295/e22170_grrb-10k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Year ended December&nbsp;31, 2021</FONT></A></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quarterly Reports on Form&nbsp;10-Q</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 49%; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quarters ended <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000117120022000248/e22292_grrb-10q.htm" STYLE="-sec-extract: exhibit">March&nbsp;31, 2022</A> and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000533/e22384_grrb-10q.htm" STYLE="-sec-extract: exhibit">June&nbsp;30, 2022</A></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current Reports on Form&nbsp;8-K</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed on <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000057/e22007_grrb-8k.htm" STYLE="-sec-extract: exhibit">January&nbsp;6, 2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000073/e22017_grrb-8k.htm" STYLE="-sec-extract: exhibit">January&nbsp;18, 2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000095/e22051_grrb-8k.htm" STYLE="-sec-extract: exhibit">January&nbsp;24, 2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000129/e22059_grrb-8k.htm" STYLE="-sec-extract: exhibit">February&nbsp;4, 2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000339/e22257_grrb-8k.htm" STYLE="-sec-extract: exhibit">April&nbsp;18, 2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000424/e22319_grrb-8k.htm" STYLE="-sec-extract: exhibit">May&nbsp;20, 2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000467/e22353_grrb-8k.htm" STYLE="-sec-extract: exhibit">June&nbsp;21, 2022</A>, <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000502/e22373_grrb-8k.htm" STYLE="-sec-extract: exhibit">July&nbsp;18, 2022</A>, and <A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/1126961/000155278122000520/e22388_grrb-8k.htm" STYLE="-sec-extract: exhibit">August&nbsp;3, 2022</A> (other than those portions of the documents deemed to be furnished and not filed)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/Archives/edgar/data/1126961/000155278122000328/e22240_grrb-defa14a.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Definitive Proxy Statement on Schedule 14A</FONT></A></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/Archives/edgar/data/1126961/000155278122000328/e22240_grrb-defa14a.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed April&nbsp;11, 2022</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The description of GrandSouth common stock set forth in <A HREF="https://www.sec.gov/Archives/edgar/data/1126961/000155278122000295/e22170_ex4-3.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;4.3</A> to the Annual Report on Form&nbsp;10-K and any amendment or report filed for the purpose of updating such description</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Filed on March&nbsp;31, 2022</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In addition, First Bancorp
and GrandSouth also incorporate by reference additional documents filed with the SEC under Sections 13(a), 13(c), 14 and 15(d)&nbsp;of
the Exchange Act between the date of this proxy statement/prospectus and the date of the special meeting, provided that First Bancorp
and GrandSouth are not incorporating by reference any information furnished to, but not filed with, the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except where the context otherwise
indicates, First Bancorp has supplied all information contained or incorporated by reference in this proxy statement/prospectus relating
to First Bancorp, and GrandSouth has supplied all information contained or incorporated by reference relating to GrandSouth.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Documents incorporated by
reference are available from First Bancorp and GrandSouth without charge, excluding any exhibits to those documents unless the exhibit
is specifically incorporated by reference as an exhibit in this proxy statement/prospectus. You can obtain documents incorporated by reference
in this proxy statement/prospectus by requesting them in writing or by telephone from the appropriate company at the following address
and phone number:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>First
    Bancorp</B></FONT><BR>
    300 SW Broad Street</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Southern Pines, North Carolina 28387</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Attention: Investor Relations<BR>
    Telephone: (910) 246-2500</P></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 49%">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>GrandSouth
    Bancorporation</B></FONT><BR>
    381 Halton Road</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Greenville, South Carolina 29607</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Attention: Investor Relations</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Telephone: (864) 527-7170</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>GrandSouth
shareholders requesting documents must do so by November 1, 2022 to receive them before the special meeting. You will not be charged
for any of these documents that you request.</B></FONT> If you request any incorporated documents from First Bancorp or GrandSouth, then
First Bancorp and GrandSouth, respectively, will mail them to you by first class mail, or another equally prompt means, within one business
day after receiving your request. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Neither First Bancorp nor
GrandSouth has authorized anyone to give any information or make any representation about the merger or the companies that is different
from, or in addition to, that contained in this proxy statement/prospectus or in any of the materials that have been incorporated in this
proxy statement/prospectus. Therefore, if anyone does give you information of this sort, you should not rely on it. If you are in a jurisdiction
where offers to exchange or sell, or solicitations of offers to exchange or purchase, the securities offered by this proxy statement/prospectus
or the solicitation of proxies is unlawful, or if you are a person to whom it is unlawful to direct these types of activities, then the
offer presented in this proxy statement/prospectus does not extend to you. The information contained in this proxy statement/prospectus
speaks only as of the date of this proxy statement/prospectus unless the information specifically indicates that another date applies.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: right; margin: 0pt"><B><A NAME="iii_007"></A>Annex A</B></P>

<P STYLE="margin: 0pt; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT><B><I>Execution
version</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AGREEMENT AND PLAN OF MERGER AND REORGANIZATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">By and Between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>GRANDSOUTH BANCORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">And</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FIRST BANCORP</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">June&nbsp;21, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right; margin: 0pt 0"><FONT STYLE="font-size: 10pt"><B><I>Execution version</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>TABLE OF CONTENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 5.5in; text-align: right"><B><U>Page</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">LIST OF EXHIBITS</FONT> </TD>
    <TD STYLE="text-align: right"> iv </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">AGREEMENT
    AND PLAN OF MERGER</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">1</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">ARTICLE 1
    TRANSACTIONS AND TERMS OF MERGER and reorganization</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">1</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in; width: 8%"> &nbsp; </TD>
    <TD STYLE="width: 82%"> &nbsp; </TD>
    <TD STYLE="text-align: right; width: 10%"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.1</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Merger</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.2</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Time and Place of Closing</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.3</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effective Time</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.4</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restructure of Transactions</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.5</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Merger</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.6</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Treatment of the Merger</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">article 2
    TERMS OF MERGER</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">A-3</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.1</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Articles of Incorporation</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A-3</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.2</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bylaws</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A-3</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.3</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Directors and Officers</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A-3</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">ARTICLE 3
    MANNER OF CONVERTING SHARES</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">A-3</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effect on GSB Stock</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A-3</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.2</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Procedures</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.3</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effect on Buyer Common Stock</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A-5</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.4</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GSB Options</FONT> </TD>
    <TD STYLE="text-align: right"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A-5</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.5</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Rights of Former GSB Shareholders</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.6</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fractional Shares</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.7</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dissenters</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">article 4
    REPRESENTATIONS AND WARRANTIES OF GSB</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">6</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> &nbsp; </TD>
    <TD> &nbsp; </TD>
    <TD STYLE="text-align: right"> &nbsp; </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.1</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization, Standing, and Power</FONT> </TD>
    <TD STYLE="text-align: right"> A-7 </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.2</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority of GSB; No Breach By Agreement</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.3</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capital Stock</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.4</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GSB Subsidiaries</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.5</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act Filings; Securities Offerings; Financial
    Statements</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.6</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Undisclosed Liabilities</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.7</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.8</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.9</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance for Loan Losses; Loan and Investment Portfolio,etc.</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.10</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.11</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Intellectual Property</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.12</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Matters</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.13</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Laws</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.14</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Labor Relations</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.15</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefit Plans</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.16</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Material Contracts</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.17</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Privacy of Customer Information</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.18</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceedings</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.19</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.20</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Internal Control</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.21</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Extensions of Credit to Executive Officers and Directors</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.22</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Approvals</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.23</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Takeover Laws and Provisions</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.24</FONT> </TD>
    <TD> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brokers and Finders; Opinion of Financial Advisor</FONT> </TD>
    <TD STYLE="text-align: right"> A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT> </TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in; width: 8%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.25</FONT></TD>
    <TD STYLE="width: 82%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Board of Directors Recommendation</FONT></TD>
    <TD STYLE="text-align: right; width: 10%">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.26</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">GSB Information</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.27</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery of GSB Disclosure Memorandum</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.28</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Additional Representations</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">ARTICLE 5
    REPRESENTATIONS AND WARRANTIES OF BUYER</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organization, Standing, and Power</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Authority of Buyer; No Breach By Agreement</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Capital Stock</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exchange Act Filings; Financial Statements</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Undisclosed Liabilities</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Laws</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Legal Proceedings</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Internal Control</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Approvals</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brokers and Finders; Opinion of Financial Advisor</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Actions</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available Consideration</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Board of Directors Recommendation</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Statements True and Correct</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery of Buyer Disclosure Memorandum</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Additional Representations</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">ARTICLE 6
    CONDUCT OF BUSINESS PENDING CONSUMMATION</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Affirmative Covenants of GSB and Buyer</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Negative Covenants of GSB</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Negative Covenants of Buyer</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Control of the Other Party&rsquo;s Business</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adverse Changes in Condition</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reports</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Buyer Entity Use and Disclosure of IIPI</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">ARTICLE 7
    ADDITIONAL AGREEMENTS</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholder Approval</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Registration of Buyer Common Stock</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Offers,etc.</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents of Regulatory Authorities</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">38</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement as to Efforts to Consummate</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investigation and Confidentiality</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Press Releases</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A-40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Charter Provisions</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefits and Contracts</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">40</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conversion Bonus Plan; Retention Plan</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section 16 Matters</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Covenants of Buyer</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">ARTICLE 8
    CONDITIONS PRECEDENT TO OBLIGATIONS TO CONSUMMATE</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">43</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conditions to Obligations of Each Party</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conditions to Obligations of Buyer</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conditions to Obligations of GSB</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">ARTICLE 9
    TERMINATION</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">47</FONT></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in; width: 8%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.1</FONT></TD>
    <TD STYLE="width: 82%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Termination</FONT></TD>
    <TD STYLE="text-align: right; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A-47</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effect of Termination</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Termination Fee</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Survival of Representations and Covenants</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">ARTICLE 10
    MISCELLANEOUS</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase">48</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Definitions</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brokers and Finders</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendments</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waivers</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Captions; Articles and Sections</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretations</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Enforcement of Agreement</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.2in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right">A-<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>LIST OF EXHIBITS</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 15%; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt"><U>Exhibit</U></FONT></TD><TD STYLE="width: 2%; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 83%; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt"><U>Description</U></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">A</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Form&nbsp;of Bank Merger Agreement</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">B</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left"><FONT STYLE="font-size: 10pt">Form&nbsp;of Support Agreement</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AGREEMENT AND PLAN OF MERGER AND REORGANIZATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>THIS
AGREEMENT AND PLAN OF MERGER AND REORGANIZATION</B></FONT> (this &#8220;<U>Agreement</U>&#8221;) dated as of June&nbsp;21, 2022, is by
and between <B>First Bancorp<FONT STYLE="text-transform: uppercase">, </FONT></B>a North Carolina corporation (&#8220;<U>Buyer</U>&#8221;),
and <B>GrandSouth Bancorporation, </B>a South Carolina corporation (&#8220;<U>GSB</U>&#8221;). Capitalized terms used in this Agreement
but not defined elsewhere herein shall have the meanings assigned to them in Section&nbsp;10.1 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>Recitals</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>WHEREAS</B></FONT>,
the respective boards of directors of each of Buyer and GSB have determined that it is in the best interests of their respective companies
and shareholders for GSB to merge with and into Buyer, with Buyer being the surviving entity (the &#8220;<U>Merger</U>&#8221;) pursuant
to the terms of this Agreement and have unanimously approved the Merger, upon the terms and subject to the conditions set forth in this
Agreement, whereby the issued and outstanding shares of GSB Stock will be converted into the right to receive the Merger Consideration
from Buyer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>WHEREAS</B></FONT>,
the board of directors of GSB has recommended that GSB&#8217;s shareholders approve this Agreement and the transactions contemplated hereby
(the &#8220;<U>GSB Recommendation</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>WHEREAS</B></FONT>,
as a material inducement and as additional consideration to Buyer to enter into this Agreement, each of the directors and executive officers
of GSB have entered into a voting agreement with Buyer dated as of the date hereof (each a &#8220;<U>Support Agreement</U>&#8221; and
collectively, the &#8220;<U>Support Agreements</U>&#8221;), in the form attached hereto as <U>Exhibit&nbsp;B</U>, pursuant to which each
such Person has agreed, among other things, to vote all shares of GSB Stock owned by such Person in favor of the approval of this Agreement
and the transactions contemplated hereby, upon the terms and subject to the conditions set forth in this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>WHEREAS</B></FONT>,
the Merger is subject to the approvals of the shareholders of GSB, regulatory agencies, and the satisfaction of certain other conditions
described in this Agreement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>WHEREAS</B></FONT>,
Buyer and GSB desire to make certain representations, warranties, covenants and agreements in connection with the Merger and also to prescribe
various conditions to the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>NOW,
THEREFORE</B></FONT>, in consideration of the above and the mutual warranties, representations, covenants, and agreements set forth herein,
and other good and valuable consideration, the receipt and sufficiency of which are acknowledged, the Parties, intending to be legally
bound, agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;1<BR>
TRANSACTIONS AND TERMS OF MERGER AND REORGANIZATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Merger.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the terms and conditions
of this Agreement, at the Effective Time, GSB shall merge with and into Buyer in accordance with the North Carolina Business Corporation
Act (the &#8220;<U>NCBCA</U>&#8221;) and Title 33 of the South Carolina Code of Laws (the &#8220;<U>SC Code</U>&#8221;), and Buyer shall
be the Surviving Corporation resulting from the Merger and shall continue to be governed by the Laws of the State of North Carolina. The
Merger shall be consummated in accordance with the terms and subject to the conditions of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time
and Place of Closing.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The closing of the transactions
contemplated hereby (the &#8220;<U>Closing</U>&#8221;) will take place at 11:00 A.M.&nbsp;Eastern Time on the date that the Effective
Time occurs, or at such other time as the Parties, acting through their authorized officers, may mutually agree. The Closing shall be
held at such location as may be mutually agreed upon by the Parties and may be effected by electronic or other transmission of signature
pages, as mutually agreed upon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>1.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective
Time.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Merger shall be consummated
by filing Articles of Merger reflecting the Merger (the &#8220;<U>Articles of Merger</U>&#8221;) with the Secretary of State of North
Carolina and the Secretary of State of South Carolina. The Merger shall become effective (the &#8220;<U>Effective Time</U>&#8221;) when
the Articles of Merger have been accepted for filing by the Secretary of State of North Carolina and the Secretary of State of South Carolina
or at such later time as may be mutually agreed upon by Buyer and GSB and specified in the Articles of Merger. Subject to the terms and
conditions hereof, unless otherwise mutually agreed upon in writing by the authorized officers of each Party, the Parties shall use their
reasonable efforts to cause the Effective Time to occur within five (5)&nbsp;business days of the last of the following dates to occur:
(i)&nbsp;the effective date (including expiration of any applicable waiting period) of the last required Consent of any Regulatory Authority
having authority over and approving or exempting the Merger, (ii)&nbsp;the date on which the shareholders of GSB approve this Agreement,
or (iii)&nbsp;expiration of the period specified within Section&nbsp;9.1(d).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>1.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Restructure
of Transactions.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Buyer shall have the right
to request a revision to the structure of the Merger contemplated by this Agreement by merging GSB directly with and into a subsidiary
of Buyer, provided, that no such revision to the structure of the Merger (i)&nbsp;shall result in any changes in the amount or type of
consideration which the holders of shares of GSB Stock or GSB Options are entitled to receive under this Agreement, (ii)&nbsp;would unreasonably
impede or delay consummation of the Merger, (iii)&nbsp;shall impose any less favorable terms or conditions on GSB, or (iv)&nbsp;affect
the Tax Treatment of the Merger. Buyer may request such revision by giving written notice to GSB in the manner provided in Section&nbsp;10.8,
which notice shall be in the form of a proposed amendment to this Agreement or in the form of an Amended and Restated Agreement and Plan
of Merger and Reorganization, and the addition of such other exhibits hereto as are reasonably necessary or appropriate to effect such
change.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>1.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank
Merger.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Concurrently with the execution
and delivery of this Agreement, First Bank (&#8220;<U>Buyer Bank</U>&#8221;), a wholly owned subsidiary of Buyer, and GrandSouth Bank
(the &#8220;<U>Bank</U>&#8221;), a wholly owned subsidiary of GSB, shall enter into the Agreement and Plan of Merger, in the form attached
hereto as <U>Exhibit&nbsp;A</U>, with such changes thereto as Buyer and GSB shall mutually agree, pursuant to which Bank will merge with
and into Buyer Bank (the &#8220;<U>Bank Merger</U>&#8221;). The Bank Merger shall not occur prior to the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>1.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax
Treatment of the Merger.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">It is intended by the Parties
that the Merger constitute a &#8220;reorganization&#8221; within the meaning of Section&nbsp;368(a)&nbsp;of the Internal Revenue Code
of 1986, as amended (the &#8220;<U>Code</U>&#8221;). The Parties hereby adopt this Agreement as a &#8220;plan of reorganization&#8221;
within the meaning of Treasury Regulation Sections 1.368-2(g)&nbsp;and 1.368-3(a). The Parties agree to cooperate and use their best efforts
in order to qualify the transactions contemplated herein as a reorganization under Section&nbsp;368(a)(1)(A)&nbsp;of the Code, to not
take any action that could reasonably be expected to cause the Merger to fail to so qualify, and to report the Merger for federal, state
and any local income Tax purposes in a manner consistent with such characterization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;2<BR>
TERMS OF MERGER</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Articles
of Incorporation.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The articles of incorporation
of Buyer in effect immediately prior to the Effective Time shall be the articles of incorporation of the Surviving Corporation until otherwise
duly amended or repealed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bylaws.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The bylaws of Buyer in effect
immediately prior to the Effective Time shall be the bylaws of the Surviving Corporation until otherwise duly amended or repealed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Directors
and Officers.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The directors of Buyer in
office immediately prior to the Effective Time, together with such additional Persons as may thereafter be elected or validly appointed,
shall serve as the directors of the Surviving Corporation from and after the Effective Time in accordance with the Surviving Corporation&#8217;s
bylaws, until the earlier of their resignation, removal or otherwise ceasing to be a director. Prior to the Effective Time, Buyer shall
take all action necessary to appoint and submit for approval two (2)&nbsp;member(s)&nbsp;of the current GSB board of directors, to the
board of directors of Buyer and Buyer Bank, to be approved by the board of directors of Buyer and Buyer Bank, effective as of 12:01 a.m.&nbsp;on
the next business day following the Effective Time. The officers of Buyer in office immediately prior to the Effective Time, together
with such additional Persons as may thereafter be appointed, shall serve as the officers of the Surviving Corporation from and after the
Effective Time in accordance with the Surviving Corporation&#8217;s bylaws, until the earlier of their resignation, removal or otherwise
ceasing to be an officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;3<BR>
MANNER OF CONVERTING SHARES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effect
on GSB Stock.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
the Effective Time, in each case subject to Sections 3.1(d), 3.2, and 3.7, by virtue of the Merger and without any action on the part
of the Parties, each share of GSB Stock (including, for the avoidance of doubt, each share of GSB Series&nbsp;A Preferred Stock that automatically
converts into a share of GSB Common Stock immediately prior to the Effective Time) that is issued and outstanding immediately prior to
the Effective Time (other than the Extinguished Shares and shares of GSB Stock as to which Dissenters&#8217; Rights have been perfected)
shall be converted into the right to receive 0.910 (the &#8220;<U>Exchange Ratio</U>&#8221;) of a share of Buyer Common Stock (the &#8220;<U>Merger
Consideration</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
the Effective Time, all shares of GSB Stock shall no longer be outstanding, shall automatically be cancelled and retired, and shall cease
to exist as of the Effective Time, and each certificate previously representing any such shares of GSB Stock (the &#8220;<U>Certificates</U>&#8221;)
or book entry notation of ownership shall thereafter represent only the right to receive the Merger Consideration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If,
prior to the Effective Time, the outstanding shares of GSB Stock, the GSB Options, the outstanding shares of Buyer Common Stock, or any
rights with respect to Buyer Common Stock pursuant to stock options granted by Buyer are increased, decreased, changed into or exchanged
for a different number or kind of shares or securities, in each case as a result of a reorganization, recapitalization, reclassification,
stock dividend, stock split, reverse stock split, or other similar change in capitalization, then an appropriate and proportionate adjustment
shall be made to the Merger Consideration. For the avoidance of doubt, Buyer shall have the right to grant additional stock options and
other equity based awards under its existing equity based compensation plans, and holders of GSB Options shall have the right to exercise
GSB Options outstanding as of the date of this Agreement without triggering an adjustment to the Merger Consideration under this Section&nbsp;3.1(c).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
share of GSB Stock issued and outstanding immediately prior to the Effective Time and owned by any of the Parties or their respective
Subsidiaries (in each case other than shares of GSB Stock held on behalf of third parties or as a result of debts previously contracted)
shall, by virtue of the Merger and without any action on the part of the holder thereof, cease to be outstanding, be cancelled and retired
without payment of any consideration therefor, and cease to exist (the &#8220;<U>Extinguished Shares</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exchange
Procedures.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Promptly
after the Effective Time, Buyer shall deposit with Computershare Limited or such other exchange agent selected by Buyer (the &#8220;<U>Exchange
Agent</U>&#8221;) for exchange in accordance with this Section&nbsp;3.2, the Merger Consideration and cash in an aggregate amount sufficient
for payment in lieu of fractional shares of Buyer Common Stock to which holders of GSB Stock may be entitled pursuant to Section&nbsp;3.6
(collectively, the &#8220;<U>Exchange Fund</U>&#8221;). In the event the cash in the Exchange Fund is insufficient to fully satisfy all
of the payment obligations to be made by the Exchange Agent hereunder (including pursuant to Section&nbsp;3.6), Buyer shall promptly make
available to the Exchange Agent the amounts so required to satisfy such payment obligations in full. The Exchange Agent shall deliver
the Merger Consideration and cash in lieu of any fractional shares of Buyer Common Stock out of the Exchange Fund. Except as contemplated
by this Section&nbsp;3.2, the Exchange Fund will not be used for any other purpose.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
different timing is agreed to by Buyer and GSB, as soon as reasonably practicable after the Effective Time, but in any event no more
than ten (10)&nbsp;business days after the Effective Time, Buyer shall cause the Exchange Agent to mail to the former shareholders
of GSB appropriate transmittal materials (which shall specify that delivery shall be effected, and risk of loss and title to the
Certificates or other instruments theretofore representing shares of GSB Stock shall pass, only upon proper delivery of such
Certificates or other instruments to the Exchange Agent). In the event of a transfer of ownership of shares of GSB Stock represented
by one or more Certificates that are not registered in the transfer records of GSB, the Merger Consideration payable for such shares
as provided in Section&nbsp;3.1 may be issued to a transferee if the Certificate or Certificates representing such shares are
delivered to the Exchange Agent, accompanied by all documents required to evidence such transfer and by evidence reasonably
satisfactory to the Exchange Agent that such transfer is proper and that any applicable stock transfer taxes have been paid. In the
event any Certificate representing GSB Stock shall have been lost, mutilated, stolen, or destroyed, upon the making of an affidavit
of that fact by the Person claiming such Certificate to be lost, stolen, mutilated, or destroyed and the posting by such Person of a
bond in such amount as Buyer may reasonably direct as indemnity against any claim that may be made against it with respect to such
Certificate, the Exchange Agent shall issue in exchange for such lost, mutilated, stolen, or destroyed Certificate the Merger
Consideration as provided for in Section&nbsp;3.1. The Exchange Agent may establish such other reasonable and customary
rules&nbsp;and procedures in connection with its duties as it may deem appropriate. Such transmittal materials shall contain
appropriate instructions for the distribution of the Merger Consideration to holders of GSB Stock ownership in book entry form in
the stock records of GSB. Buyer shall pay all charges and expenses, including those of the Exchange Agent in connection with the
distribution of the Merger Consideration as provided in Section&nbsp;3.1. Buyer or the Exchange Agent will maintain a book entry
list of Buyer Common Stock to which each former holder of GSB Stock is entitled. Certificates evidencing Buyer Common Stock into
which GSB Stock has been converted will not be issued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
different timing is agreed to by Buyer and GSB, after the Effective Time, each holder of shares of GSB Stock (other than Extinguished
Shares) issued and outstanding at the Effective Time shall surrender the Certificate or Certificates representing, such shares, or shall
provide appropriate instructions with respect to such shares held in book entry notation form, to the Exchange Agent and shall promptly
upon surrender thereof or the giving of such instructions receive in exchange therefor the consideration provided in Section&nbsp;3.1,
without interest, pursuant to this Section&nbsp;3.2. The Certificate or Certificates of GSB Stock so surrendered shall be duly endorsed
as the Exchange Agent may reasonably require. Buyer shall not be obligated to deliver the consideration to which any former holder of
GSB Stock is entitled as a result of the Merger until such holder surrenders such holder&#8217;s Certificate or Certificates for exchange
as provided in this Section&nbsp;3.2. Similarly, no dividends or other distributions in respect of the Buyer Common Stock shall be paid
to any holder of any unsurrendered Certificate or Certificates until such Certificate or Certificates (or affidavit in lieu thereof as
provided in Section&nbsp;3.2(b)) are surrendered for exchange as provided in this Section&nbsp;3.2. Any other provision of this Agreement
notwithstanding, neither any Buyer Entity, nor any GSB Entity, nor the Exchange Agent shall be liable to any holder of GSB Stock for any
amounts paid or properly delivered in good faith to a public official pursuant to any applicable abandoned property, escheat, or similar
Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of Buyer, the Surviving Corporation and the Exchange Agent shall be entitled to deduct and withhold from the consideration otherwise payable
pursuant to this Agreement to any holder of shares of GSB Stock and GSB Options such amounts, if any, as it is required to deduct and
withhold with respect to the making of such payment under the Code or any provision of state, local, or foreign Tax Law or by any Taxing
Authority or Governmental Authority; provided, however, that Buyer shall use commercially reasonable efforts to give GSB advance notice
of its intentions to make any such deduction or withholding and cooperate in good faith with GSB to mitigate any such deduction or withholding
to the extent permitted by Law (other than with respect to payments in respect of GSB Options described in Section&nbsp;3.4). To the extent
that any amounts are so withheld by Buyer, the Surviving Corporation, or the Exchange Agent, as the case may be, and paid to the appropriate
Governmental Authority, such withheld amounts shall be treated for all purposes of this Agreement as having been paid to the holder of
the shares of GSB Stock or GSB Options, as applicable in respect of which such deduction and withholding was made by Buyer, the Surviving
Corporation, or the Exchange Agent, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
portion of the Merger Consideration and cash delivered to the Exchange Agent by Buyer pursuant to Section&nbsp;3.2(a)&nbsp;that remains
unclaimed by the holder of shares of GSB Stock for six (6)&nbsp;months after the Effective Time (as well as any proceeds from any investment
thereof) shall be delivered by the Exchange Agent to Buyer. Any holder of shares of GSB Stock who has not theretofore complied with Section&nbsp;3.2(c)&nbsp;shall
thereafter look only to Buyer for the consideration deliverable in respect of each share of GSB Stock such holder holds as determined
pursuant to this Agreement without any interest thereon. If outstanding Certificates are not surrendered or the payment for them is not
claimed prior to the date on which such Merger Consideration would otherwise escheat to or become the property of any Governmental Authority,
the unclaimed items shall, to the extent permitted by abandoned property and any other applicable Law, become the property of Buyer (and
to the extent not in its possession shall be delivered to it), free and clear of all claims or interest of any Person previously entitled
to such property. Neither the Exchange Agent nor any Party to this Agreement shall be liable to any holder of GSB Stock for any consideration
paid to a Governmental Authority pursuant to applicable abandoned property, escheat or similar Laws. Buyer and the Exchange Agent shall
be entitled to rely upon the stock transfer books of GSB to establish the identity of those Persons entitled to receive the consideration
specified in this Agreement, which books shall be conclusive with respect thereto. In the event of a dispute with respect to ownership
of stock represented by any Certificate or Certificates, Buyer and the Exchange Agent shall be entitled to deposit any consideration represented
thereby in escrow with an independent third party and thereafter be relieved with respect to any claims thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Approval
of this Agreement by the shareholders of GSB shall constitute ratification of the appointment of the Exchange Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>3.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effect
on Buyer Common Stock.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At and after the Effective
Time, each share of Buyer Common Stock issued and outstanding immediately prior to the Effective Time shall remain an issued and outstanding
share of common stock of the Surviving Corporation and shall not be affected by the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>3.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
Options.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
the Effective Time, each Right with respect to GSB Common Stock pursuant to stock options (the &#8220;<U>GSB Options</U>&#8221;)
granted by GSB under GSB&#8217;s 2019 Stock Option Plan or 2009 Stock Option Plan (collectively, the &#8220;<U>GSB Option
Plans</U>&#8221;) which is outstanding and unexercised immediately prior to the Effective Time shall be converted into an option to
purchase that number of shares of Buyer Common Stock equal to the product of (i)&nbsp;the number of shares of GSB Common Stock
subject to such GSB Option immediately prior to the Effective Time, and (ii)&nbsp;0.910, with any such converted option being less
than a whole share of Buyer Common Stock (after the aggregation of all converted options of such optionholder) being cancelled for a
cash payment equal to the product of (i)&nbsp;the excess, if any, of the Average Buyer Stock Price over the &#8220;As-Converted
Exercise Price&#8221;, and (ii)&nbsp;the percentage of a whole share represented thereby, less any applicable Taxes. The exercise
price per share of Buyer Common Stock subject to such option shall be equal to the exercise price of the converted GSB Option
divided by 0.910 (the &#8220;As-Converted Exercise Price&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;3.4 of the GSB Disclosure Memorandum, neither GSB&#8217;s board of directors nor its compensation committee
shall make any grants of GSB Options following the execution of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB&#8217;s
board of directors or its compensation committee shall make any adjustments or amendments to or make such determinations with respect
to the GSB Options necessary to effect the foregoing provisions of this Section&nbsp;3.4.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>3.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Rights
of Former GSB Shareholders.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At the Effective Time, the
stock transfer books of GSB shall be closed as to holders of GSB Stock and no transfer of GSB Stock by any holder of such shares shall
thereafter be made or recognized. Until surrendered for exchange in accordance with the provisions of Section&nbsp;3.2, each Certificate
theretofore representing shares of GSB Stock (other than Certificates representing Extinguished Shares and Certificates representing shares
of GSB Stock as to which Dissenters&#8217; Rights have been perfected), shall from and after the Effective Time represent for all purposes
only the right to receive the Merger Consideration, without interest, as provided in this Article&nbsp;3.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>3.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fractional
Shares.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notwithstanding any other
provision of this Agreement, each holder of shares of GSB Stock exchanged pursuant to the Merger, who would otherwise have been entitled
to receive a fraction of a share of Buyer Common Stock (after taking into account all Certificates delivered by such holder), shall receive,
in lieu thereof, cash (without interest) in an amount equal to such fractional part of a share of Buyer Common Stock multiplied by the
Average Buyer Stock Price. No such holder will be entitled to dividends, voting rights, or any other Rights as a shareholder in respect
of any fractional shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>3.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dissenters.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Any shareholder of GSB who
properly exercises the right of dissent with respect to the Merger as provided in Chapter 13 of the SC Code (&#8220;<U>Dissenter&#8217;s
Rights</U>&#8221;) shall be entitled to receive payment of the fair value of his or her shares of GSB Stock in the manner and pursuant
to the procedures provided therein. Shares of GSB Stock held by Persons who exercise Dissenter&#8217;s Rights shall not be converted as
described in Section&nbsp;3.1. However, if any shareholder of GSB who exercises Dissenter&#8217;s Rights shall fail to perfect those rights,
or effectively shall waive or lose such rights, then each of his, her or its shares of GSB Stock shall be deemed to have been converted
into the right to receive the Merger Consideration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;4<BR>
REPRESENTATIONS AND WARRANTIES OF GSB</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GSB represents and warrants
to Buyer as follows, except as set forth on the GSB Disclosure Memorandum with respect to each Section&nbsp;below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Organization,
Standing, and Power.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GSB is a corporation duly
organized, validly existing, and in good standing under the Laws of the State of South Carolina and is a bank holding company within the
meaning of the Bank Holding Company Act of 1956, as amended (the &#8220;<U>BHCA</U>&#8221;). Bank is a state chartered commercial bank
duly organized, validly existing and in good standing under the laws of the State of South Carolina. Each of GSB and Bank has the corporate
power and authority to carry on its business as now conducted and to own, lease, and operate its Assets. Each of GSB and Bank is duly
qualified or licensed to transact business as a foreign corporation in good standing in the states of the United States and foreign jurisdictions
where the character of its Assets or the nature or conduct of its business requires it to be so qualified or licensed. The minute book
and other organizational documents for each of GSB and Bank have been made available to Buyer for its review and, except as disclosed
in Section&nbsp;4.1 of the GSB Disclosure Memorandum, are true and complete in all material respects as in effect as of the date of this
Agreement and accurately reflect in all material respects all amendments thereto and all proceedings of the respective board of directors
(including any committees of the board of directors) and shareholders thereof. Bank is an &#8220;insured institution&#8221; as defined
in the Federal Deposit Insurance Act, and applicable regulations thereunder, and the deposits held by Bank are insured, up to the applicable
limits, by the FDIC&#8217;s Deposit Insurance Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Authority
of GSB; No Breach By Agreement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
has the corporate power and authority necessary (i)&nbsp;to execute, deliver, and, other than with respect to the Merger, perform
this Agreement, and (ii)&nbsp;with respect to the Merger, upon the approval of the Merger, including any approvals referred to in
Sections 8.1(b)&nbsp;and 8.1(c)&nbsp;and by GSB&#8217;s shareholders in accordance with this Agreement and the SC Code, to perform
its obligations under this Agreement and to consummate the transactions contemplated hereby. The execution, delivery, and
performance of this Agreement and the consummation of the transactions contemplated herein, including the Merger, have been duly and
validly authorized by all necessary corporate action in respect thereof on the part of GSB, (including approval by at least
two-thirds of the members of GSB&#8217;s board of directors, and a majority of the members of GSB&#8217;s board of directors
unaffiliated with any other party to the proposed transaction), subject to the approval of this Agreement by the holders of
(i)&nbsp;two-thirds of the outstanding shares of GSB Common Stock entitled to vote thereon, (ii)&nbsp;two-thirds of the outstanding
shares of GSB Series&nbsp;A Preferred Stock entitled to vote thereon, and (iii)&nbsp;two-thirds of the outstanding shares of GSB
Stock entitled to vote thereon voting together as a single class, which are the only GSB shareholder votes required for approval of
this Agreement and consummation of the Merger (collectively, the &#8220;<U>Requisite GSB Shareholder Approval</U>&#8221;). Subject
to any approvals referred to in Sections 8.1(b)&nbsp;and 8.1(c)&nbsp;and receipt of such Requisite GSB Shareholder Approval, this
Agreement represents a legal, valid, and binding obligation of GSB, enforceable against GSB in accordance with its terms (except in
all cases as such enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, or similar Laws
affecting the enforcement of creditors&#8217; rights generally and except that the availability of the equitable remedy of specific
performance or injunctive relief is subject to the discretion of the court before which any proceeding may be brought).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
the execution and delivery of this Agreement by GSB, nor the consummation by GSB and Bank of the transactions contemplated hereby, nor
compliance by GSB and Bank with any of the provisions hereof, will (i)&nbsp;conflict with or result in a breach of any provision of GSB&#8217;s
articles of incorporation or bylaws or the articles of incorporation or bylaws of any GSB Subsidiary or any resolution adopted by the
board of directors or the shareholders of any GSB Entity, or (ii)&nbsp;except as disclosed in Section&nbsp;4.2(b)&nbsp;of the GSB Disclosure
Memorandum, constitute or result in a Default under, or require any Consent pursuant to, or result in the creation of any Lien on any
material Asset of any GSB Entity under, any material Contract or any material Permit of any GSB Entity, or (iii)&nbsp;subject to receipt
of the requisite Consents referred to in Section&nbsp;8.1(c), constitute or result in a Default under, or require any Consent pursuant
to, any Law or Order applicable to any GSB Entity or any of their respective material Assets (including any Buyer Entity or any GSB Entity
becoming subject to or liable for the payment of any Tax on any Assets owned by any Buyer Entity or any GSB Entity being reassessed or
revalued by any Regulatory Authority).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
for (i)&nbsp;the filing of applications and notices with, and approval of such applications and notices from, the Federal Reserve, the
FDIC, the North Carolina Commissioner of Banks, the South Carolina Commissioner of Banking, (ii)&nbsp;the filing of any other required
applications, filings, or notices with any other federal or state banking, insurance, or other regulatory or self-regulatory authorities,
or any courts, administrative agencies or commissions or other Governmental Authorities and approval of or non-objection to such applications,
filings and notices, (iii)&nbsp;the filing with the SEC of a registration statement on Form&nbsp;S-4 (the &#8220;<U>Registration Statement</U>&#8221;)
in which the proxy statement relating to GSB&#8217;s Shareholders&#8217; Meeting to be held in connection with this Agreement and the
transactions contemplated by this Agreement (including all amendments and supplements thereto, &#8220;<U>Proxy Statement/Prospectus</U>&#8221;)
will be included, and declaration of effectiveness of the Registration Statement, (iv)&nbsp;the filing of the Articles of Merger and articles
of merger with respect to the Bank Merger with the Secretary of State of North Carolina and the Secretary of State of South Carolina,
(v)&nbsp;any consents, authorizations, approvals, filings, or exemptions in connection with compliance with the applicable provisions
of federal and state securities laws relating to the Merger, regulation of broker-dealers, investment advisers or transfer agents, and
federal commodities laws relating to the regulation of futures commission merchants and the rules&nbsp;and regulations thereunder and
of any applicable industry self-regulatory organization, and the rules&nbsp;and regulations of The Nasdaq Stock Market, (vi)&nbsp;any
filings or notices that are required under consumer finance, mortgage banking and other similar laws, and (vii)&nbsp;notices or filings
under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as amended, if any, no consents or approvals of or filings or registrations
with any Governmental Authority are necessary in connection with the consummation by GSB and Bank of the Merger, the Bank Merger and the
other transactions contemplated by this Agreement. No consents or approvals of or filings or registrations with any Governmental Authority
are necessary in connection with the execution and delivery by GSB of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Capital
Stock.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
authorized capital stock of GSB consists of 20,000,000 shares of GSB Common Stock, of which 5,209,542 shares are issued and outstanding
as of the date of this Agreement, and assuming that all of the issued and outstanding GSB Options had been exercised, not more than an
additional 640,483 shares would be issued and outstanding at the Effective Time, and 20,000,000 shares of preferred stock, 500,000 of
which are designated as GSB Series&nbsp;A Preferred Stock, of which 282,828 shares are issued and outstanding as of the date of this Agreement.
If the GSB Options were exercised as of the date of this Agreement, 640,483 shares of GSB Common Stock would be issued at a per share
weighted average exercise price of $18.22. Section&nbsp;4.3(a)&nbsp;of the GSB Disclosure Memorandum lists all issued and outstanding
GSB Options, which schedule includes the names of the recipients, the date of grant, the exercise prices, the vesting schedules, and the
expiration dates, to the extent applicable. All of the issued and outstanding shares of capital stock of GSB are duly and validly issued
and outstanding and are fully paid and nonassessable. None of the outstanding shares of capital stock of GSB has been issued in violation
of any preemptive rights of the current or past shareholders of GSB.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
for the 640,483 shares of GSB Common Stock reserved for issuance pursuant to outstanding GSB Options as disclosed in Section&nbsp;4.3(a)&nbsp;of
the GSB Disclosure Memorandum, there are no shares of capital stock or other equity securities of GSB reserved for issuance and no outstanding
Rights relating to the capital stock of GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as specifically set forth in this Section&nbsp;4.3, there are no shares of GSB capital stock or other equity securities of GSB outstanding,
and there are no outstanding Rights with respect to any GSB securities or any right or privilege (whether pre-emptive or contractual)
capable of becoming a Contract or Right for the purchase, subscription, exchange, or issuance of any securities of GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of the date of this Agreement, no bonds, debentures, notes or other indebtedness having the right to vote on any matters on which shareholders
of GSB may vote are issued and outstanding. The outstanding trust preferred and subordinated debt securities of GSB set forth in Section&nbsp;4.3(d)&nbsp;of
the GSB Disclosure Memorandum are referred to as the &#8220;<U>GSB Debentures</U>.&#8221;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
Subsidiaries.</B></P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GSB has no Subsidiaries except
as set forth in Section&nbsp;4.4 of the GSB Disclosure Memorandum, and GSB owns all of the equity interests in each of its Subsidiaries.
No capital stock (or other equity interest) of any such Subsidiary is or may become required to be issued (other than to another GSB Entity)
by reason of any Rights, and there are no Contracts by which any such Subsidiary is bound to issue (other than to another GSB Entity)
additional shares of its capital stock (or other equity interests) or Rights or by which any GSB Entity is or may be bound to transfer
any shares of the capital stock (or other equity interests) of any such Subsidiary (other than to another GSB Entity). There are no Contracts
relating to the Rights of any GSB Entity to vote or to dispose of any shares of the capital stock (or other equity interests) of any such
Subsidiary. All of the shares of capital stock (or other equity interests) of each Subsidiary are fully paid and nonassessable and are
owned directly or indirectly by GSB free and clear of any Lien. Each Subsidiary is duly qualified or licensed to transact business as
a foreign entity in good standing in the states of the United States and foreign jurisdictions where the character of its Assets or the
nature or conduct of its business requires it to be so qualified or licensed. The minute books and other organizational documents for
the Subsidiaries have been made available to Buyer for its review, and except as disclosed in Section&nbsp;4.4 of the GSB Disclosure Memorandum,
are true and complete in all material respects as in effect as of the date of this Agreement and accurately reflect in all material respects
all amendments thereto and all proceedings of the board of directors and shareholders thereof.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exchange
Act Filings; Securities Offerings; Financial Statements.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
has timely filed all Exchange Act Documents required to be filed by GSB since 4:00 p.m.&nbsp;on May&nbsp;14, 2021 (the &#8220;<U>GSB Exchange
Act Reports</U>&#8221;). GSB Exchange Act Reports (i)&nbsp;at the time filed, (or, if amended or superseded by a filing prior to the date
of this Agreement, then on the date of such filing) complied in all material respects with the applicable requirements of the Securities
Laws and other applicable Laws and (ii)&nbsp;did not, at the time they were filed (or, if amended or superseded by a filing prior to the
date of this Agreement, then on the date of such filing) contain any untrue statement of a material fact or omit to state a material fact
required to be stated in such GSB Exchange Act Reports or necessary in order to make the statements in such GSB Exchange Act Reports,
in light of the circumstances under which they were made, not misleading. Each offering or sale of securities by GSB (x)&nbsp;was either
registered under the Securities Act or made pursuant to a valid exemption from registration under the Securities Act, (y)&nbsp;complied
in all material respects with the applicable requirements of the Securities Laws and other applicable Laws, except for immaterial &#8220;blue
sky&#8221; filings, including disclosure and broker/dealer registration requirements, and (z)&nbsp;was made pursuant to offering documents
which did not, at the time of the offering (or, in the case of registration statements, at the effective date thereof) contain any untrue
statement of a material fact or omit to state a material fact required to be stated in the offering documents or necessary in order to
make the statements in such documents, in light of the circumstances under which they were made, not misleading. GSB&#8217;s principal
executive officer and principal financial officer have made the certifications required by Sections 302 and 906 of the Sarbanes-Oxley
Act and the rules&nbsp;and regulations of the Exchange Act thereunder with respect to GSB Exchange Act Reports to the extent such rules&nbsp;or
regulations applied at the time of the filing. For purposes of the preceding sentence, &#8220;principal executive officer&#8221; and &#8220;principal
financial officer&#8221; shall have the meanings given to such terms in the Sarbanes&#8211;Oxley Act. Such certifications contain no qualifications
or exceptions to the matters certified therein and have not been modified or withdrawn; and neither GSB nor any of its officers has received
notice from any Regulatory Authority questioning or challenging the accuracy, completeness, content, form, or manner of filing or submission
of such certifications. No GSB Subsidiary is required to file any Exchange Act Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the GSB Financial Statements (including, in each case, any related notes) that are contained in the GSB Exchange Act Reports, including
any GSB Exchange Act Reports filed after the date of this Agreement until the Effective Time, complied, or will comply, as to form in
all material respects with the Exchange Act, was, or will be, prepared in accordance with GAAP applied on a consistent basis throughout
the periods involved (except as may be indicated in the notes to such financial statements or, in the case of unaudited interim statements,
as permitted by Form&nbsp;10&#45;Q of the Exchange Act), fairly presented in accordance with GAAP the consolidated financial position
of GSB and its Subsidiaries as of the respective dates and the consolidated results of operations and cash flows for the periods indicated,
including the fair values of the assets and liabilities shown therein, except that the unaudited interim financial statements were or
are subject to normal and recurring year-end adjustments which were not or are not expected to be material in amount or effect, and were
certified to the extent required by the Sarbanes-Oxley Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB&#8217;s
independent registered public accountants, which have expressed their opinion with respect to the GSB Financial Statements and its Subsidiaries
whether or not included in the GSB&#8217;s Exchange Act Reports (including the related notes), are and have been throughout the periods
covered by such GSB Financial Statements (i)&nbsp;a registered public accounting firm (as defined in Section&nbsp;2(a)(12) of the Sarbanes-Oxley
Act) (to the extent applicable during such period), (ii)&nbsp;&#8220;independent&#8221; with respect to GSB within the meaning of Regulation
S-X, and (iii)&nbsp;with respect to GSB, in compliance with subsections (g)&nbsp;through (l)&nbsp;of Section&nbsp;10A of the Exchange
Act and related Securities Laws. GSB&#8217;s independent public accountants have audited GSB&#8217;s year-end financial statements, and
have reviewed GSB&#8217;s interim financial statements, that are included in the GSB Financial Statements. Section&nbsp;4.5(c)&nbsp;of
the GSB Disclosure Memorandum lists all non-audit services performed by GSB&#8217;s independent registered public accountants for GSB
or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
maintains disclosure controls and procedures as required by Rule&nbsp;13a-15 or 15d-15 under the Exchange Act, and such controls and procedures
are effective to ensure that all material information relating to GSB and its Subsidiaries is made known on a timely basis to GSB&#8217;s
principal executive officer and GSB&#8217;s principal financial officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Absence
of Undisclosed Liabilities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither GSB nor any of its
Subsidiaries has incurred any material liability or obligation of any nature whatsoever (whether absolute, accrued, contingent, determined,
determinable, or otherwise and whether due or to become due), except for (i)&nbsp;those liabilities that are reflected or reserved against
on the consolidated balance sheet of GSB included in its Quarterly Report on Form&nbsp;10-Q for the fiscal quarter ended March&nbsp;31,
2022 (including any notes thereto), (ii)&nbsp;liabilities incurred in the ordinary course of business consistent in nature and amount
with past practice since March&nbsp;31, 2022, or (iii)&nbsp;liabilities incurred in connection with this Agreement and the transactions
contemplated hereby. Neither GSB nor any of its Subsidiaries is a party to, or has any commitment to become a party to, any joint venture,
off-balance sheet partnership or any similar Contract or arrangement (including any Contract or arrangement relating to any transaction
or relationship between or among GSB and any of its Subsidiaries, on the one hand, and any unconsolidated Affiliate, including any structured
finance, special purpose or limited purpose entity or Person, on the other hand, or any &#8220;off-balance sheet arrangement&#8221;),
where the result, purpose or intended effect of such Contract or arrangement is to avoid disclosure of any material transaction involving,
or material liabilities of, GSB or any of its Subsidiaries in GSB&#8217;s or such Subsidiary&#8217;s financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Absence
of Certain Changes or Events.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in the
GSB Financial Statements delivered prior to the date of this Agreement or as disclosed in Section&nbsp;4.7 of the GSB Disclosure Memorandum,
since December&nbsp;31, 2021, (i)&nbsp;there have been no events, changes, or occurrences which have had, or are reasonably likely to
have, individually or in the aggregate, a GSB Material Adverse Effect, (ii)&nbsp;none of the GSB Entities has taken any action, or failed
to take any action, prior to the date of this Agreement, which action or failure, if taken after the date of this Agreement, would represent
or result in a material breach or violation of any covenants and agreements of GSB provided in this Agreement, and (iii)&nbsp;since December&nbsp;31,
2021, the GSB Entities have conducted their respective businesses in the ordinary course of business consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax
Matters.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Except as set forth in Section&nbsp;4.8 of the GSB Disclosure
Memorandum:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
GSB Entities have timely filed with the appropriate Taxing Authorities all material Tax Returns in all jurisdictions in which Tax Returns
are required to be filed, and such Tax Returns are correct and complete in all material respects. None of the GSB Entities is the beneficiary
of any extension of time within which to file any Tax Return. All material Taxes of the GSB Entities to the extent due and payable (whether
or not shown on any Tax Return) have been fully and timely paid. There are no Liens for any material Taxes (other than a Lien for current
tax year real property or <I>ad valorem </I>Taxes not yet due and payable) on any of the Assets of any of the GSB Entities. No written
claim has ever been made by any Taxing Authority in a jurisdiction where any GSB Entity does not file a Tax Return that such GSB Entity
may be subject to Taxes by that jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None
of the GSB Entities has received any written notice of assessment or proposed assessment in connection with any Taxes. There are no ongoing
or pending disputes, claims, audits, or examinations regarding any Taxes of any GSB Entity, any Tax Returns of any GSB Entity, or the
assets of any GSB Entity. No officer or employee responsible for Tax matters of any GSB Entity expects any Taxing Authority to assess
any additional material Taxes for any period for which Tax Returns have been filed. No issue has been raised by a Taxing Authority in
any prior examination of any GSB Entity, which, by application of the same or similar principles, could be expected to result in a proposed
material deficiency for any subsequent taxable period. None of the GSB Entities has waived any statute of limitations in respect of any
Taxes or agreed to a Tax assessment or deficiency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Entity has complied in all material respects with all applicable Laws relating to the withholding of Taxes and the payment thereof
to appropriate authorities, including, but not limited to, Taxes required to have been withheld and paid in connection with amounts paid
or owing to any employee or independent contractor, and Taxes required to be withheld and paid pursuant to Sections 1441 and 1442 of the
Code or similar provisions under foreign Tax Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
unpaid Taxes of each GSB Entity (i)&nbsp;did not, as of the most recent fiscal month end, materially exceed the reserve for Tax Liability
(rather than any reserve for deferred Taxes established to reflect timing differences between book and Tax income) set forth on the face
of the most recent balance sheet (rather than in any notes thereto) for such GSB Entity and (ii)&nbsp;do not materially exceed that reserve
as adjusted for the passage of time through the Closing Date in accordance with past custom and practice of the GSB Entities in filing
their Tax Returns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as described in Section&nbsp;4.8(e)&nbsp;of the GSB Disclosure Memorandum, none of the GSB Entities is a party to any Tax allocation or
sharing agreement, and none of the GSB Entities has been a member of an affiliated group filing a consolidated federal income Tax Return
(other than a group the common parent of which was GSB) or has any Tax Liability of any Person (other than GSB or any of its Subsidiaries)
under Treasury Regulation Section&nbsp;1.1502&#45;6 or any similar provision of state, local or foreign Law, or as a transferee or successor,
by Contract or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
the five-year period ending on the date hereof, none of the GSB Entities was a &#8220;distributing corporation&#8221; or a &#8220;controlled
corporation&#8221; as defined in, and in a transaction intended to be governed by, Section&nbsp;355 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.8(g)&nbsp;of the GSB Disclosure Memorandum, none of the GSB Entities has made any payments, is
obligated to make any payments, or is a party to any Contract that could obligate it to make any payments for which a deduction
could be disallowed by reason of Sections 280G, 404, or 162(m)&nbsp;of the Code, or which could be subject to withholding under
Section&nbsp;4999 of the Code. None of the GSB Entities has been or will be required to include any adjustment in taxable income for
any Tax period (or portion thereof) ending after the day of the Effective Time pursuant to Section&nbsp;481 of the Code or any
comparable provision under state or foreign Tax Laws as a result of transactions or events occurring prior to the Closing. There is
no material taxable income of GSB that will be required under applicable tax law to be reported by Buyer, for a taxable period
beginning after the Closing Date which taxable income was realized prior to the Closing Date. Except as disclosed in
Section&nbsp;4.8(g)&nbsp;of the GSB Disclosure Memorandum, no net operating losses of the GSB Entities are subject to any limitation
on their use under the provisions of Sections 382 or 269 of the Code or any other provisions of the Code or the Treasury Regulations
dealing with the utilization of net operating losses other than any such limitations as may arise as a result of the consummation of
the transactions contemplated by this Agreement; <I>provided</I>, <I>however</I>, that regardless of what may be reported on any Tax
Returns of any GSB Entity on or before the date of this Agreement or through the Effective Time, GSB makes no representation
regarding (i)&nbsp;the amount of any net operating losses or net economic losses that are available to any GSB Entity for purposes
of any state or local income Tax or similar Taxes, or (ii)&nbsp;any limitation on use of any GSB Entity&#8217;s net operating losses
or net economic losses that might apply either before or after the Effective Time for purposes of any state or local Tax Laws under
Code Section&nbsp;382, similar or analogous provisions of any state or local income Tax or similar Laws, or any other state or local
Tax Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Entity is in compliance in all material respects with, and its records contain all information and documents (including properly completed
IRS Forms W&#45;9) necessary to comply in all material respects with, all applicable information reporting and Tax withholding requirements
under federal, state, and local Tax Laws, and such records identify with specificity all accounts subject to backup withholding under
Section&nbsp;3406 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
GSB Entity is subject to any private letter ruling of the IRS or comparable rulings of any Taxing Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
property owned by any GSB Entity is (i)&nbsp;property required to be treated as being owned by another Person pursuant to the provisions
of Section&nbsp;168(f)(8)&nbsp;of the Code and in effect immediately prior to the enactment of the Tax Reform Act of 1986, (ii)&nbsp;&#8220;tax-exempt
use property&#8221; within the meaning of Section&nbsp;168(h)(1)&nbsp;of the Code, (iii)&nbsp;&#8220;tax-exempt bond financed property&#8221;
within the meaning of Section&nbsp;168(g)&nbsp;of the Code, (iv)&nbsp;&#8220;limited use property&#8221; within the meaning of IRS Revenue
Procedure 76-30, (v)&nbsp;subject to Section&nbsp;168(g)(1)(A)&nbsp;of the Code, or (vi)&nbsp;subject to any provision of state, local
or foreign Law comparable to any of the provisions listed above in this paragraph.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
GSB Entity has any &#8220;corporate acquisition indebtedness&#8221; within the meaning of Section&nbsp;279 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
has disclosed on its federal income Tax Returns all positions taken therein that are reasonably believed to give rise to substantial understatement
of federal income tax within the meaning of Section&nbsp;6662 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
GSB Entity has participated in any reportable transaction, as defined in code Section&nbsp;6707A(c)(1)&nbsp;of the Code or Treasury Regulation
Section&nbsp;1.6011-4(b)(1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
has made available to Buyer complete copies of (i)&nbsp;all federal, state, local and foreign income or franchise Tax Returns of the GSB
Entities relating to the taxable periods since December&nbsp;31, 2017, and (ii)&nbsp;any audit report issued within the last four years
relating to any Taxes due from or with respect to the GSB Entities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
GSB Entity nor any other Person on its behalf has (i)&nbsp;filed a consent pursuant to Section&nbsp;341(f)&nbsp;of the Code (as in effect
prior to the repeal under the Jobs and Growth Tax Reconciliation Act of 2003) or agreed to have Section&nbsp;341(f)(2)&nbsp;of the Code
(as in effect prior to the repeal under the Jobs and Growth Tax Reconciliation Act of 2003) apply to any disposition of a subsection (f)&nbsp;asset
(as such term is defined in former Section&nbsp;341(f)(4)&nbsp;of the Code) owned by any GSB Entity, (ii)&nbsp;executed or entered into
a closing agreement pursuant to Section&nbsp;7121 of the Code or any similar provision of Law with respect to the GSB Entities, or (iii)&nbsp;granted
to any Person any power of attorney that is currently in force with respect to any Tax matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
GSB Entity has, or ever had, a permanent establishment in any country other than the United States, or has engaged in a trade or business
in any country other than the United States that subjected it to tax in such country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
GSB Entity has been a &#8220;United States real property holding corporation&#8221; within the meaning of Section&nbsp;897(c)(2)&nbsp;of
the Code during the applicable period specified in Section&nbsp;897(c)(1)(A)(ii)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For purposes of this Section&nbsp;4.8,
any reference to GSB or any GSB Entity shall be deemed to include any Person that merged with or was liquidated into or otherwise combined
with GSB or a GSB Entity prior to the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance
for Loan Losses; Loan and Investment Portfolios,&nbsp;etc.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB&#8217;s
allowance for loan losses is, and has been since January&nbsp;1, 2019, in material compliance with GSB&#8217;s methodology for determining
the adequacy of its allowance for loan losses in accordance with GAAP, as well as the standards established by applicable Governmental
Authorities and the Financial Accounting Standards Board, in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of the date hereof, all loans, discounts and leases (in which any GSB Entity is lessor) reflected on GSB Financial Statements were,
and with respect to the consolidated balance sheets delivered as of the dates subsequent to the execution of this Agreement will be
as of the dates thereof, (i)&nbsp;at the time and under the circumstances in which made, made for good, valuable and adequate
consideration in the ordinary course of business and, to the Knowledge of GSB, are the legal and binding obligations of the obligors
thereof, (ii)&nbsp;evidenced by genuine notes, agreements, or other evidences of indebtedness, and (iii)&nbsp;to the extent secured,
have, to the Knowledge of GSB, been secured by valid liens and security interests which have been perfected. Accurate lists of all
loans, discounts, and financing leases as of March&nbsp;31, 2021 and on a monthly basis thereafter, and of the investment portfolios
of each GSB Entity as of such date, have been and will be made available to Buyer. Except as specifically set forth in
Section&nbsp;4.9(b)&nbsp;of the GSB Disclosure Memorandum, neither GSB nor Bank is a party to any written or oral loan agreement,
note, or borrowing arrangement, including any loan guaranty, that was, as of the most recent month-end (i)&nbsp;delinquent by more
than 30 days in the payment of principal or interest, (ii)&nbsp;otherwise in material Default for more than 30 days,
(iii)&nbsp;classified as &#8220;substandard,&#8221; &#8220;doubtful,&#8221; &#8220;loss,&#8221; &#8220;other assets especially
mentioned&#8221; or any comparable classification by GSB or by any applicable Regulatory Authority, (iv)&nbsp;an obligation of any
director, executive officer or 10% shareholder of any GSB Entity who is subject to Regulation O of the Federal Reserve (12 C.F.R.
Part&nbsp;215), or any person, corporation or enterprise controlling, controlled by or under common control with any of the
foregoing, or (v)&nbsp;in material violation of any Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
securities held by GSB or Bank, as reflected in the consolidated balance sheets of GSB included in the GSB Financial Statements, are carried
in accordance with GAAP, as well as the standards established by applicable Governmental Authorities and the Financial Accounting Standards
Board. Except as disclosed in Section&nbsp;4.9(c)&nbsp;of the GSB Disclosure Memorandum and except for pledges to secure public deposits,
borrowings from the Federal Reserve, and Federal Home Loan Bank advances, to the Knowledge of GSB, none of the securities reflected in
the GSB Financial Statements as of December&nbsp;31, 2021, and none of the securities since acquired by GSB or Bank is subject to any
restriction, whether contractual or statutory, which impairs the ability of GSB or Bank to freely dispose of such security at any time,
other than those restrictions imposed on securities held to maturity under GAAP, pursuant to a clearing agreement or in accordance with
Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
interest rate swaps, caps, floors, option agreements, futures and forward contracts and other similar risk management arrangements, whether
entered into for GSB&#8217;s own account, or for the account of Bank, or its customers (all of which were disclosed in Section&nbsp;4.9(d)&nbsp;of
the GSB Disclosure Memorandum), were entered into (i)&nbsp;in the ordinary and usual course of business consistent with past practice
and in compliance with all applicable laws, rules, regulations and regulatory policies, and (ii)&nbsp;with counterparties believed to
be financially responsible at the time; and each of them constitutes the valid and legally binding obligation of GSB or Bank, enforceable
in accordance with its terms (except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium,
fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles),
and is in full force and effect. Neither GSB nor Bank, nor to the Knowledge of GSB any other party thereto, is in breach of any material
obligation under any such agreement or arrangement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assets.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.10(a)&nbsp;of the GSB Disclosure Memorandum or as disclosed or reserved against in the GSB Financial Statements
delivered prior to the date of this Agreement, the GSB Entities have good and marketable title, free and clear of all Liens except those
permitted in Section&nbsp;4.10(e), to all of their respective Assets that they own, except where any such Lien or all such Liens in the
aggregate would not reasonably be expected to result in a GSB Material Adverse Effect. In addition, to the Knowledge of GSB, all tangible
properties used in the businesses of the GSB Entities are in good condition, reasonable wear and tear excepted, and are usable in the
ordinary course of business consistent with GSB&#8217;s past practices.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
Assets that are material to GSB&#8217;s business, held under leases or subleases by any of the GSB Entities, are held under valid Contracts
enforceable in accordance with their respective terms (except in all cases as such enforceability may be limited by applicable bankruptcy,
insolvency, reorganization, moratorium, or similar Laws affecting the enforcement of creditors&#8217; rights generally and except that
the availability of the equitable remedy of specific performance or injunctive relief is subject to the discretion of the court before
which any proceeding may be brought), and to the Knowledge of GSB, each such Contract is in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
GSB Entities currently maintain insurance, including bankers&#8217; blanket bonds, with insurers of recognized financial responsibility,
in such amounts as management of GSB has reasonably determined to be prudent. None of the GSB Entities has received written notice from
any insurance carrier that (i)&nbsp;any policy of insurance will be canceled or that coverage thereunder will be reduced or eliminated,
(ii)&nbsp;premium costs with respect to such policies of insurance will be substantially increased, or (iii)&nbsp;similar coverage will
be denied or limited or not extended or renewed with respect to any GSB Entity, any act or occurrence, or that any Asset, officer, director,
employee or agent of any GSB Entity will not be covered by such insurance or bond. Except as disclosed in Section&nbsp;4.10(c)&nbsp;of
the GSB Disclosure Memorandum, there are presently no claims for amounts exceeding $50,000 individually or in the aggregate pending under
such policies of insurance or bonds, and no written notices of claims in excess of such amounts have been given by any GSB Entity under
such policies. GSB has made no claims, and no claims are contemplated to be made, under its directors&#8217; and officers&#8217; errors
and omissions or other insurance or bankers&#8217; blanket bond.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Assets of the GSB Entities include all material Assets required by the GSB Entities to operate the business of the GSB Entities as presently
conducted. All real and personal property which is material to the business of the GSB Entities that is leased or licensed by them is
held pursuant to leases or licenses which are valid and enforceable in accordance with their respective terms (except in all cases as
such enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, or similar Laws affecting the enforcement
of creditors&#8217; rights generally and except that the availability of the equitable remedy of specific performance or injunctive relief
is subject to the discretion of the court before which any proceeding may be brought) and, to the Knowledge of GSB, such leases and licenses
will not terminate or lapse prior to the Effective Time or thereafter by reason of completion of any of the transactions contemplated
hereby. To the Knowledge of GSB, all improved real property owned or leased by the GSB Entities is in material compliance with all applicable
Laws, and GSB has received no notice of any failure to materially comply with applicable Laws with respect to any such owned or leased
real property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Entity has fee simple title to all the real property assets reflected in the latest audited balance sheet included in the GSB
Exchange Act Reports as being owned by a GSB Entity or acquired after the date thereof (except properties sold or otherwise disposed
of since the date thereof in the ordinary course of business) (the &#8220;<U>GSB Realty</U>&#8221;), free and clear of all Liens of
any nature whatsoever, except (i)&nbsp;statutory Liens securing payments not yet due, (ii)&nbsp;Liens for real property or <I>ad
valorem </I>taxes not yet delinquent (or being contested in good faith and for which adequate reserves have been established),
(iii)&nbsp;zoning, easements, covenants, restrictions, minor encroachments or other survey defects, rights of way and other similar
encumbrances and matters of record that do not materially adversely affect the use of the properties or assets subject thereto or
affected thereby as used by a GSB Entity on the date hereof or otherwise materially impair business operations at such properties,
as conducted by a GSB Entity on the date hereof and (iv)&nbsp;such imperfections or irregularities of title or Liens as do not
materially affect the use of the properties or assets subject thereto or affected thereby or otherwise materially impair business
operations at such properties as used on the date hereof.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the Knowledge of GSB, the GSB Realty and the real property with respect to which a GSB Entity is the lessee (the &#8220;<U>GSB Leased
Real Properties</U>&#8221;) are in material compliance with all applicable building, fire, zoning (or are legal nonconforming uses allowed
under applicable zoning Laws) and other applicable Laws, and with all deed restrictions of record, no written notice of any material violation
or material alleged violation thereof has been received in the past three (3)&nbsp;years that has not been resolved, and there are no
proposed changes therein that would materially and adversely affect the GSB Realty, the GSB Leased Real Properties, or their current uses.
GSB has no Knowledge of any pending change in the zoning of, or of any pending condemnation proceeding with respect to, any of the GSB
Realty or the GSB Leased Real Properties which may materially and adversely affect the GSB Realty or the GSB Leased Real Properties or
the current use by a GSB Entity thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intellectual
Property.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in Section&nbsp;4.11
of the GSB Disclosure Memorandum, each GSB Entity owns or has a license to use all of the Intellectual Property used by such GSB Entity
in the course of its business, including sufficient rights in each copy possessed by each GSB Entity. Each GSB Entity is the owner of
or has a license to any Intellectual Property sold or licensed to a third party by such GSB Entity in connection with such GSB Entity&#8217;s
business operations, and such GSB Entity has the right to convey by sale or license any Intellectual Property so conveyed. To the Knowledge
of GSB, no GSB Entity is in material Default under any of its Intellectual Property licenses. No proceedings have been instituted, or
are pending or to the Knowledge of GSB threatened, which challenge the rights of any GSB Entity with respect to Intellectual Property
used, sold, or licensed by such GSB Entity in the course of its business, nor has any person claimed or alleged any rights to such Intellectual
Property. To the Knowledge of GSB, the conduct of the business of the GSB Entities does not infringe any Intellectual Property of any
other person. Except as disclosed in Section&nbsp;4.11 of the GSB Disclosure Memorandum, no GSB Entity is obligated to pay any recurring
royalties to any Person with respect to any such Intellectual Property, other than any license or maintenance fees specified in a license
agreement with such party. GSB does not have any Contracts with its directors, officers, or employees which require such officer, director,
or employee to assign any interest in any Intellectual Property to a GSB Entity and to keep confidential any trade secrets, proprietary
data, customer information, or other business information of a GSB Entity. To the Knowledge of GSB and except as stated in a GSB Benefit
Plan or in the GSB Exchange Act Reports (including the exhibits filed therewith), no such officer, director, or employee is party to any
Contract with any Person other than a GSB Entity which requires such officer, director, or employee to assign any interest in any Intellectual
Property to any Person other than a GSB Entity or to keep confidential any trade secrets, proprietary data, customer information, or other
business information of any Person other than a GSB Entity. No officer, director, or employee of any GSB Entity is party to any confidentiality,
nonsolicitation, noncompetition, or other Contract which restricts or prohibits such officer, director, or employee from engaging in activities
competitive with any Person, including any GSB Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Environmental
Matters.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
has delivered, or caused to be delivered or made available to Buyer true and complete copies of all environmental site assessments, test
results, analytical data, boring logs, permits for storm water, wetlands fill, or other environmental permits for construction of any
building, parking lot, or other improvement, and other environmental reports and studies as they exist in the possession of any GSB Entity
relating to its Participation Facilities and Operating Properties. To the Knowledge of GSB, there are no material violations of Environmental
Laws on properties that secure loans made by GSB or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Entity and, to the Knowledge of GSB, its Participation Facilities, and its Operating Properties are, and have been, in compliance
with Environmental Laws in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There
is no Litigation pending, and GSB has received no written notice of any threatened environmental enforcement action, investigation, or
Litigation before any Governmental Authority or other forum in which any GSB Entity or any of its Participation Facilities or Operating
Properties (or GSB in respect of such Participation Facility or Operating Property) has been or, with respect to threatened Litigation,
may be named as a defendant (i)&nbsp;for alleged noncompliance with or Liability under any Environmental Law, or (ii)&nbsp;relating to
the release, discharge, spillage, or disposal into the environment of any Hazardous Material at a site currently or formerly owned, leased,
or operated by any GSB Entity or any of its Participation Facilities or Operating Properties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the Knowledge of GSB, during and prior to the period of (i)&nbsp;any GSB Entity&#8217;s ownership or operation of any of their respective
current properties, (ii)&nbsp;any GSB Entity&#8217;s participation in the management of any Participation Facility, or (iii)&nbsp;any
GSB Entity&#8217;s holding of a security interest in any Operating Property, there have been no releases, discharges, spillages, or disposals
of Hazardous Material in, on, under, or affecting such properties. To the Knowledge of GSB, during and prior to the period of (x)&nbsp;GSB
Entity&#8217;s ownership or operation of any of their respective current properties, (y)&nbsp;any GSB Entity&#8217;s participation in
the management of any Participation Facility, or (z)&nbsp;any GSB Entity&#8217;s holding of a security interest in any Operating Property,
there have been no material violations of any Environmental Laws with respect to such properties, including but not limited to unauthorized
alterations of wetlands.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
any other provision herein, the representations and warranties contained in Section&nbsp;4.12(a)&nbsp;to (d)&nbsp;above constitute the
sole representations and warranties of each GSB Entity with respect to its compliance, or the compliance of its Operating Property, Participation
Facilities or any properties now or previously owned or operated, with Environmental Laws or Permits or with respect to the presence of
Hazardous Material.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compliance
with Laws.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
is a bank holding company duly registered and in good standing as such with the Federal Reserve. Bank is a state chartered commercial
bank in good standing with the South Carolina Commissioner of Banking.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compliance
with Permits, Laws and Orders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the GSB Entities has in effect all Permits and has made all filings, applications, and registrations with Governmental Authorities
that are required for it to own, lease, or operate its assets and to carry on its business as now conducted, and to the Knowledge of GSB,
there has occurred no Default under any such Permit applicable to their respective businesses or employees conducting their respective
businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the Knowledge of GSB, none of the GSB Entities is in material Default under any Laws or Orders applicable to its business or employees
conducting its business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None
of the GSB Entities has received any notification or communication from any Governmental Authority (A)&nbsp;asserting that GSB or any
of its Subsidiaries is in Default under any of the Permits, Laws, or Orders which such Governmental Authority enforces, (B)&nbsp;threatening
to revoke any Permits, or (C)&nbsp;requiring or requesting GSB or any of its Subsidiaries (x)&nbsp;to enter into or Consent to the issuance
of a cease and desist Order, formal agreement, directive, commitment, or memorandum of understanding, or (y)&nbsp;to adopt any resolution
of its board of directors or similar undertaking.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.13(b)&nbsp;of the GSB Disclosure Memorandum, there (A)&nbsp;is no material unresolved violation, criticism,
or exception by any Governmental Authority with respect to any report or statement relating to any examinations or inspections of GSB
or any of its Subsidiaries, (B)&nbsp;are no written notices or correspondence received by GSB with respect to pending formal or informal
inquiries by, or disagreements with, any Governmental Authority with respect to GSB&#8217;s or any of GSB&#8217;s Subsidiaries&#8217;
business, operations, policies, or procedures, and (C)&nbsp;is not any pending or threatened, nor has any Governmental Authority indicated
an intention to conduct any, investigation, or review of GSB or any of its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None
of the GSB Entities nor, to the Knowledge of GSB, any of its directors, officers, employees, or Representatives acting on its behalf has
offered, paid, or agreed to pay any Person, including any Government Authority, directly or indirectly, anything of value for the purpose
of, or with the intent of obtaining or retaining any business in violation of applicable Laws, including (A)&nbsp;using any corporate
funds for any unlawful contribution, gift, entertainment, or other unlawful expense relating to political activity, (B)&nbsp;making any
direct or indirect unlawful payment to any foreign or domestic government official or employee from corporate funds, (C)&nbsp;violating
any provision of the Foreign Corrupt Practices Act of 1977, as amended, or (D)&nbsp;making any bribe, rebate, payoff, influence payment,
kickback, or other unlawful payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Entity has complied in all material respects with all requirements of Law under the Bank Secrecy Act and the USA Patriot Act, and
each GSB Entity has timely filed all reports of suspicious activity, including those required under 12 C.F.R. &sect;353.3.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Entity&#8217;s collection and use of individually identifiable personal information relating to an identifiable or identified natural
person (&#8220;<U>IIPI</U>&#8221;) complies in all material respects with the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(viii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
the foregoing, in no event shall this Section&nbsp;4.13 require the disclosure of confidential supervisory information, as such limitation
is set forth in Section&nbsp;10.12(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Labor
Relations.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
GSB Entity is the subject of any Litigation asserting that it or any other GSB Entity has committed an unfair labor practice (within the
meaning of the National Labor Relations Act or comparable state Law) or other violation of state or federal labor Law or seeking to compel
it or any other GSB Entity to bargain with any labor organization or other employee representative as to wages or conditions of employment,
nor is any GSB Entity a party to any collective bargaining agreement or subject to any bargaining order, injunction, or other Order relating
to GSB&#8217;s relationship or dealings with its employees, any labor organization or any other employee representative. There is no strike,
slowdown, lockout, or labor dispute involving any GSB Entity pending or, to the Knowledge of GSB, threatened, and there have been no such
actions or disputes in the past five (5)&nbsp;years. To the Knowledge of GSB, there has not been any attempt by any GSB Entity employees
or any labor organization or other employee representative to organize or certify a collective bargaining unit or to engage in any other
union organization activity with respect to the workforce of any GSB Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.14(b)&nbsp;of the GSB Disclosure Memorandum, employment of each employee and the engagement of each
independent contractor of each GSB Entity is terminable at will by the relevant GSB Entity without (i)&nbsp;any penalty, liability,
or severance obligation incurred by any GSB Entity, (ii)&nbsp;and in all cases without prior consent by any Governmental Authority.
No GSB Entity will owe any amounts to any of its employees or independent contractors as of the Closing Date, other than for wages,
bonuses, vacation pay, sick leave, mileage reimbursement obligations, or benefits pursuant to the GSB Benefit Plans, incurred and
paid in the ordinary course in accordance with past practice and not as a result of the transactions contemplated by this Agreement,
except as disclosed in Section&nbsp;4.14(b)&nbsp;of the GSB Disclosure Memorandum.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
of the employees employed in the United States are either United States citizens or are, to the Knowledge of GSB, legally entitled to
work in the United States under the Immigration Reform and Control Act of 1986, as amended, other United States immigration Laws and the
Laws related to the employment of non-United States citizens applicable in the state in which the employees are employed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
GSB Entity has effectuated (i)&nbsp;a &#8220;plant closing&#8221; (as defined in the Worker Adjustment and Retraining Notification Act
(the &#8220;<U>WARN Act</U>&#8221;)) affecting any site of employment or one or more facilities or operating units within any site of
employment or facility of any GSB Entity; or (ii)&nbsp;a &#8220;mass layoff&#8221; (as defined in the WARN Act) affecting any site of
employment or facility of any GSB Entity; and no GSB Entity has been affected by any transaction or engaged in layoffs or employment terminations
sufficient in number to trigger application of any similar state or local Law. None of any GSB Entity&#8217;s employees has suffered an
 &#8220;employment loss&#8221; (as defined in the WARN Act) since six (6)&nbsp;months prior to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;4.14(e)&nbsp;of
the GSB Disclosure Memorandum contains a list of all independent contractors of each GSB Entity (separately listed by GSB Entity), and
each such Person meets the standard for an independent contractor under all Laws (including Treasury Regulations under the Code and federal
and state labor and employment Laws), and no such Person is an employee of any GSB Entity under any applicable Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Employee
Benefit Plans.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
has disclosed in Section&nbsp;4.15(a)&nbsp;of the GSB Disclosure Memorandum, and has delivered or made available to Buyer prior to the
execution of this Agreement, (i)&nbsp;copies of each Employee Benefit Plan currently adopted, maintained by, sponsored in whole or in
part by, or contributed or required to be contributed to by any GSB Entity or any ERISA Affiliate thereof for the benefit of employees,
former employees, officers, retirees, dependents, spouses, directors, independent contractors, or other beneficiaries or under which employees,
former employees, officers, retirees, dependents, spouses, directors, independent contractors, or other beneficiaries are eligible to
participate (each, a &#8220;<U>GSB Benefit Plan</U>,&#8221; and collectively, the &#8220;<U>GSB Benefit Plans</U>&#8221;) and (ii)&nbsp;a
list of each Employee Benefit Plan that is not identified in (i)&nbsp;above but for which any GSB Entity or any ERISA Affiliate thereof
has any direct or indirect obligation or Liability. Any of the GSB Benefit Plans that is an &#8220;employee pension benefit plan,&#8221;
as that term is defined in ERISA Section&nbsp;3(2), is referred to herein as a &#8220;<U>GSB ERISA Plan</U>.&#8221; Each GSB ERISA Plan
that is also a &#8220;defined benefit plan&#8221; (as defined in Code Section&nbsp;414(j)) is referred to herein as a &#8220;<U>GSB Pension
Plan</U>,&#8221; and is identified as such in Section&nbsp;4.15(a)&nbsp;of the GSB Disclosure Memorandum.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
has delivered or made available to Buyer prior to the execution of this Agreement, to the extent applicable, (i)&nbsp;the governing plan
documents for all GSB Benefit Plans, including all trust agreements or other funding arrangements, and all amendments thereto (or, if
such GSB Benefit Plan is not written, an accurate description of the material terms thereof), (ii)&nbsp;the most recent determination
letters, opinion or advisory letters for each GSB Benefit Plan intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code, and
all rulings, information letters or advisory opinions issued by the United States Internal Revenue Service (&#8220;<U>IRS</U>&#8221;),
the United States Department of Labor (&#8220;<U>DOL</U>&#8221;) or the Pension Benefit Guaranty Corporation (&#8220;<U>PBGC</U>&#8221;)
to any GSB Benefit Plan during 2022 or any of the preceding three (3)&nbsp;calendar years, (iii)&nbsp;any filing or documentation (whether
or not filed with the IRS) where corrective action was taken in connection with the IRS EPCRS program set forth in IRS Revenue Procedure
2019-19 (or its predecessor or successor rulings), (iv)&nbsp;annual reports or returns, audited or unaudited financial statements, actuarial
reports, and valuations prepared for any Employee Benefit Plan for the current plan year and the three (3)&nbsp;preceding plan years,
(v)&nbsp;the most recent summary plan description for each GSB Benefit Plan and any material modifications thereto, and (vi)&nbsp;all
material correspondence from or to the IRS, DOL, or PBGC regarding any GSB Benefit Plan received or sent during 2022 or any of the preceding
three (3)&nbsp;calendar years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Benefit Plan is in material compliance with the terms of such GSB Benefit Plan and in compliance with all applicable Laws, including
the Code and ERISA. Each GSB ERISA Plan that is intended to be qualified under Section&nbsp;401(a)&nbsp;of the Code has received a favorable
determination letter or opinion from the IRS or, in the alternative, appropriately relies upon a favorable determination letter issued
to a prototype plan under which the GSB ERISA Plan has been adopted and, to the Knowledge of GSB, there are no circumstances likely to
result in revocation of any such favorable determination letter. GSB has not received any written communication from any Governmental
Authority questioning or challenging the compliance of any GSB Benefit Plan with applicable Laws. No GSB Benefit Plan is currently being
audited by any Governmental Authority for compliance with applicable Laws or has been audited with a determination by any Governmental
Authority that the GSB Benefit Plan failed to comply with applicable Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There
has been no material oral or written representation or communication with respect to any aspect of the Employee Benefit Plans made to
employees of any GSB Entity which is not in all material respects in accordance with the written or otherwise preexisting terms and provisions
of such plans. Neither GSB, any GSB Entity, nor, to the Knowledge of GSB, any administrator or fiduciary of any GSB Benefit Plan (or any
agent of any of the foregoing) has engaged in any transaction, or acted or failed to act in any manner, which could subject GSB, any GSB
Entity, or Buyer to any direct or indirect Liability (by indemnity or otherwise) for breach of any fiduciary, co-fiduciary, or other duty
under ERISA. There are no unresolved claims or disputes under the terms of, or in connection with, GSB Benefit Plans other than claims
for benefits which are payable in the ordinary course of business consistent with the terms of the applicable plan, and no action, proceeding,
prosecution, inquiry, hearing, or investigation has been commenced with respect to any GSB Benefit Plan other than routine claims for
benefits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
GSB Benefit Plan documents and annual reports or returns, audited or unaudited financial statements, actuarial valuations, summary annual
reports, and summary plan descriptions issued with respect to the GSB Benefit Plans are correct and complete in all material respects,
to the extent applicable, have been timely filed with the IRS, the DOL, or PBGC, and distributed to participants of the GSB Benefit Plans
(as required by Law), and there have been no material misstatements or omissions in the information set forth therein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the Knowledge of GSB, no &#8220;party in interest&#8221; (as defined in ERISA Section&nbsp;3(14)) or &#8220;disqualified person&#8221;
(as defined in Code Section&nbsp;4975(e)(2)) of any GSB Benefit Plan has engaged in any nonexempt &#8220;prohibited transaction&#8221;
(as described in Code Section&nbsp;4975(c)&nbsp;or ERISA Section&nbsp;406).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
GSB Entity nor any of its ERISA Affiliates has, or ever has had, any obligation or Liability in connection with, a GSB Pension Plan, or
any plan that is or was subject to Code Section&nbsp;412, ERISA Section&nbsp;302 or Title IV of ERISA, or any multiemployer plan (as defined
in Sections 4001(a)(3)&nbsp;or 3(37) of ERISA).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
material Liability under Title IV of ERISA has been or is expected to be incurred by any GSB Entity or any ERISA Affiliate thereof, and
no event has occurred that could reasonably result in Liability under Title IV of ERISA being incurred by any GSB Entity or any ERISA
Affiliate thereof with respect to any ongoing, frozen, terminated, or other single-employer plan of any GSB Entity or the single-employer
plan of any ERISA Affiliate. Except as may arise in connection with the transactions contemplated by this Agreement, there has been no
 &#8220;reportable event,&#8221; within the meaning of ERISA Section&nbsp;4043, for which the 30-day reporting requirement has not been
waived by any ongoing, frozen, terminated or other single employer plan of GSB or of an ERISA Affiliate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.15(i)&nbsp;of the GSB Disclosure Memorandum, or required under Part&nbsp;6 of ERISA or Code Section&nbsp;4980B
or similar state law, no GSB Entity has any material Liability or obligation for retiree or post-termination of employment or services
health or life benefits under any of the GSB Benefit Plans, or other plan or arrangement, and there are no restrictions on the Rights
of such GSB Entity to unilaterally amend or terminate any and all such retiree or post-termination of employment or services health or
benefit plan without incurring any Liability or obtaining any consent or waiver. No Tax under Code Sections 4980B or 5000 has been incurred
with respect to any GSB Benefit Plan or other plan or arrangement, and to the Knowledge of GSB, no circumstance exists that could give
rise to such Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.15(j)&nbsp;of the GSB Disclosure Memorandum, neither the execution and delivery of this Agreement nor the
consummation of the transactions contemplated hereby (whether alone or in connection with any other event) will (i)&nbsp;result in any
payment (including severance, unemployment compensation, &#8220;excess parachute payment&#8221; as defined under Code Section&nbsp;280G,
or otherwise) becoming due from any GSB Entity under any GSB Benefit Plan or otherwise, (ii)&nbsp;increase any benefits otherwise payable
under any GSB Benefit Plan, or (iii)&nbsp;result in any acceleration of the time of payment or vesting of any such benefit, or any benefit
under any life insurance owned by any GSB Entity or the Rights of any GSB Entity in, to or under any insurance on the life of any current
or former officer, director, or employee of any GSB Entity, or change any Rights or obligations of any GSB Entity with respect to such
insurance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;4.15(k)&nbsp;of
the GSB Disclosure Memorandum sets forth preliminary calculations, based on assumptions set forth therein, of the following: (i)&nbsp;the
amount of all payments and benefits to which each individual set forth on such GSB Disclosure Memorandum is entitled to receive (as determined
based on the valuation principles and methodologies described in Section&nbsp;280G of the Code and the Treasury Regulations promulgated
thereunder), pursuant to all employment, deferred compensation, supplemental retirement, salary continuation, bonus, change in control,
and all other agreements, plans and arrangements, in connection with a termination of employment before or following, or otherwise in
connection with or contingent upon, the transactions contemplated under this Agreement (for the avoidance of doubt, excluding payments
or benefits in respect of vested equity awards) (each such total amount in respect of each such individual, the &#8220;<U>Change in Control
Benefit</U>&#8221;), other than the payment any such individual shall otherwise be entitled to receive as a gross-up payment in respect
of any excise tax imposed on the individual pursuant to Section&nbsp;4999 of the Code as calculated pursuant to the applicable agreement
(any each such payment, a &#8220;<U>Gross-Up Payment</U>&#8221;); (ii)&nbsp;the amount of any Gross-Up Payment payable to each such individual;
and (iii)&nbsp;the aggregate amount of all Change in Control Benefits and Gross-Up Payments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.15(l)&nbsp;of the GSB Disclosure Memorandum, no GSB Benefit Plan is or has been funded by, associated with,
or related to a &#8220;voluntary employee&#8217;s beneficiary association&#8221; within the meaning of Section&nbsp;501(c)(9)&nbsp;of
the Code, a &#8220;welfare benefit fund&#8221; within the meaning of Section&nbsp;419 of the Code, a &#8220;qualified asset account&#8221;
within the meaning of Section&nbsp;419A of the Code or a &#8220;multiple employer welfare arrangement&#8221; within the meaning of Section&nbsp;3(40)
of ERISA. The actuarial present values of all accrued deferred compensation entitlements (including entitlements under any executive compensation,
supplemental retirement, or employment agreement) of employees and former employees of any GSB Entity and their respective beneficiaries,
other than entitlements accrued pursuant to funded retirement plans, whether or not subject to the provisions of Code Section&nbsp;412
or ERISA Section&nbsp;302, have been reflected on the GSB Financial Statements in all material respects to the extent required by and
in accordance with GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Benefit Plan that is a &#8220;nonqualified deferred compensation plan&#8221; (within the meaning of Section&nbsp;409A of the Code)
has been operated in compliance with Section&nbsp;409A of the Code and the guidance issued by the IRS with respect to such plans or is
not required to comply therewith due to its grandfathered status under Section&nbsp;409A of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
individuals who render services to any GSB Entity and who are authorized to participate in a GSB Benefit Plan pursuant to the terms of
such GSB Benefit Plan are in fact eligible to and authorized to participate in such GSB Benefit Plan. All GSB Entities have, for purposes
of the GSB Benefit Plans and all other purposes, correctly classified all individuals performing services for such GSB Entity as common
law employees, independent contractors, or agents, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
GSB nor any of its ERISA Affiliates has had an &#8220;obligation to contribute&#8221; (as defined in ERISA Section&nbsp;4212) to, or other
obligations or Liability in connection with, a &#8220;multiemployer plan&#8221; (as defined in ERISA Sections 4001(a)(3)&nbsp;or 3(37)(A))
or any employee pension benefit plan within the meaning of ERISA Section&nbsp;3(2)&nbsp;that is subject to Section&nbsp;412 of the Code
or Section&nbsp;302 of ERISA or a multiple employer plan within the meaning of Section&nbsp;413(c)&nbsp;of the Code or ERISA Sections
4063, 4064, or 4066.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.15(p)&nbsp;of the GSB Disclosure Memorandum, there are no payments or changes in terms due to any insured
person as a result of this Agreement, the Merger or the transactions contemplated herein, under any bank-owned, corporate-owned split
dollar life insurance, other life insurance, or similar arrangement or Contract, and the Surviving Corporation shall, upon and after the
Effective Time, succeed to and have all the rights in, to and under such life insurance Contracts as GSB presently holds. Each GSB Entity
will, upon the execution and delivery of this Agreement, and will continue to have until the Effective Time, notwithstanding this Agreement
or the consummation of the transaction contemplated hereby, all ownership rights and interest in all corporate or bank-owned life insurance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB ERISA Plan that is intended to qualify under Section&nbsp;401(a)&nbsp;of the Code so qualifies, and its related trust is tax exempt
under Section&nbsp;501(a)&nbsp;of the Code, and, to the Knowledge of GSB, no event has occurred and no condition exists that could cause
the loss of such qualified or tax exempt status.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.15(r)&nbsp;of the GSB Disclosure Memorandum, with respect to each GSB Pension Plan, (i)&nbsp;all contributions
required to be made under Sections 412 and 430 of the Code with respect to such GSB Pension Plan have been made timely, (ii)&nbsp;there
has been no application for any waiver of the minimum funding standards imposed by Section&nbsp;412 of the Code, and such minimum funding
standards have been met to date, and (iii)&nbsp;there is not any &#8220;amount of unfunded benefit liabilities&#8221; as defined in Section&nbsp;4001(a)(18)
of ERISA under such GSB Pension Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Benefit Plan may be amended or terminated by GSB without the consent of any Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.15(t)&nbsp;of the GSB Disclosure Memorandum, no GSB Benefit Plan that is described in ERISA Section&nbsp;3(2)&nbsp;is
involved or connected with any fund or other investment that has or involves any early termination, market value adjustment or other similar
fee, payment requirement, or other charge.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Material
Contracts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section&nbsp;4.16(a)&nbsp;of the GSB Disclosure Memorandum or otherwise reflected in the GSB Exchange Act Reports or the
GSB Financial Statements, as of the date of this Agreement, none of the GSB Entities, nor any of their respective Assets, businesses,
or operations, is a party to, or is bound or affected by, or receives benefits under, (i)&nbsp;any employment, bonus, severance, termination,
consulting, or retirement Contract, (ii)&nbsp;any Contract relating to the borrowing of money by any GSB Entity, or the guarantee by any
GSB Entity of any such obligation (other than Contracts evidencing the creation of deposit liabilities, endorsements or guarantees in
connection with presentation of items for collection (e.g., personal or business checks), purchases of federal funds, advances from the
Federal Reserve or Federal Home Loan Bank, entry into repurchase agreements fully secured by U.S. government securities or U.S. government
agency securities, advances of depository institution Subsidiaries incurred in the ordinary course of GSB&#8217;s business, and trade
payables and Contracts relating to borrowings or guarantees made in the ordinary course of GSB&#8217;s business), (iii)&nbsp;any Contract
which prohibits or restricts any GSB Entity or any personnel of a GSB Entity from engaging in any business activities in any geographic
area, line of business, or otherwise in competition with any other Person, (iv)&nbsp;any Contract involving Intellectual Property (other
than Contracts entered into in the ordinary course with customers or &#8220;shrink-wrap&#8221; software licenses), (v)&nbsp;any Contract
relating to the provision of data processing, network communication, or other technical services to or by any GSB Entity, (vi)&nbsp;any
Contract relating to the purchase or sale of any goods or services (other than Contracts entered into in the ordinary course of business
and involving payments under any individual Contract or series of contracts not in excess of $100,000 per annum), &nbsp;(vii)&nbsp;any
exchange-traded or over-the-counter swap, forward, future, option, cap, floor, or collar financial Contract, or any other interest rate
or foreign currency protection Contract or any Contract that is a combination thereof not included on its balance sheet, and (viii)&nbsp;any
other Contract that would be required to be filed as an exhibit to a Form&nbsp;10&#45;K filed by GSB as of the date of this Agreement
pursuant to the reporting requirements of the Exchange Act (the &#8220;<U>GSB Contracts</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
respect to each GSB Contract and except as disclosed in Section&nbsp;4.16(b)&nbsp;of the GSB Disclosure Memorandum: (i)&nbsp;the Contract
is in full force and effect; (ii)&nbsp;no GSB Entity is in material Default thereunder; (iii)&nbsp;no GSB Entity has repudiated or waived
any material provision of any such Contract; (iv)&nbsp;no other party to any such Contract is in Default in any respect or has repudiated
or waived each material provision thereunder; and (v)&nbsp;no Consent which has not been or will not be obtained is required by a Contract
for the execution, delivery, or performance of this Agreement, the consummation of the Merger or the other transactions contemplated hereby.
Section&nbsp;4.16(b)&nbsp;of the GSB Disclosure Memorandum lists every Consent required by any Contract involving an amount in excess
of $100,000. All of the indebtedness of any GSB Entity for money borrowed (other than deposit liabilities, purchases of federal funds,
advances from the Federal Reserve or Federal Home Loan Bank, repurchase agreements fully secured by U.S. government securities or U.S.
government agency securities, advances of depository institution Subsidiaries incurred in the ordinary course of GSB&#8217;s business,
and trade payables and Contracts relating to borrowings or guarantees made in the ordinary course of GSB&#8217;s business) is prepayable
at any time by such GSB Entity without penalty, premium or charge, except as specified in Section&nbsp;4.16(b)&nbsp;of the GSB Disclosure
Memorandum.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Privacy
of Customer Information.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
the purposes contemplated by this Agreement, each GSB Entity has valid rights to use and transfer to Buyer or Buyer Bank all IIPI relating
to customers, former customers, and prospective customers that will be transferred to Buyer or Buyer Bank pursuant to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
GSB Entity&#8217;s collection and use of such IIPI complies in all material respects with GSB&#8217;s Gramm-Leach-Bliley privacy notice,
the Gramm-Leach-Bliley Act, and the Fair Credit Reporting Act, and the transfer of such IIPI to Buyer or Buyer Bank pursuant to this
Agreement complies in all material respects with the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Legal
Proceedings.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed in Section&nbsp;4.18
of the GSB Disclosure Memorandum, there is no Litigation instituted or pending, or, to the Knowledge of GSB, threatened (or unasserted
but considered probable of assertion) against any GSB Entity, against any director, officer, employee, or agent of any GSB Entity in their
capacities as such or with respect to any service to or on behalf of any Employee Benefit Plan or any other Person at the request of the
GSB Entity or Employee Benefit Plan of any GSB Entity, or against any Asset, interest, or right of any of them, nor are there any Orders
or judgments outstanding against any GSB Entity. No claim for indemnity has been made or, to the Knowledge of GSB, threatened by any director,
officer, employee, independent contractor, or agent to any GSB Entity and, to the Knowledge of GSB, no basis for any such claim exists.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.19&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reports.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except for immaterial late
filings or as otherwise disclosed in Section&nbsp;4.19 of the GSB Disclosure Memorandum, since January&nbsp;1, 2019, each GSB Entity has
timely filed all reports and statements, together with any amendments required to be made with respect thereto, that it was required to
file with Governmental Authorities. As of their respective dates, each of such reports and documents, including the financial statements,
exhibits, and schedules thereto, complied in all material respects with all applicable Laws. As of their respective dates, such reports
and documents did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or
necessary to make the statements made therein, in light of the circumstances under which they were made, not misleading. Notwithstanding
the foregoing, in no event shall this Section&nbsp;4.19 require the disclosure of confidential supervisory information, as such limitation
is set forth in Section&nbsp;10.12(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.20&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Internal
Control.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GSB's internal control over
financial reporting is effective to provide reasonable assurance regarding the reliability of GSB's financial reporting and the preparation
of GSB financial statements for external purposes in accordance with GAAP. GSB's internal control over financial reporting is effective
to provide reasonable assurance (i)&nbsp;regarding the maintenance of records, that in reasonable detail, accurately and fairly reflect
the transactions and disposition of the GSB's consolidated Assets; (ii)&nbsp;that transactions are recorded as necessary to permit the
preparation of GSB's financial statements in accordance with GAAP and that receipts and expenditures are being made only in accordance
with the authorizations of GSB's management and directors; and (iii)&nbsp;regarding prevention or timely detection of unauthorized acquisition,
use or disposition of GSB's consolidated Assets that could have a material impact on GSB's financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.21&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Extensions
of Credit to, and Transactions with, Executive Officers and Directors.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GSB is in compliance with
Section&nbsp;13(k)&nbsp;of the Exchange Act and Federal Reserve Regulation O in all material respects. Section&nbsp;4.21 of the GSB Disclosure
Memorandum sets forth a list of all extensions of credit as of the date hereof by GSB or any of the GSB Subsidiaries to any directors,
executive officers, and principal shareholders (as such terms are defined in Regulation O of the Federal Reserve (12 C.F.R. Part&nbsp;215))
of GSB or any of the GSB Subsidiaries. There are no employee, officer, director, or other affiliate loans on which the borrower is paying
a rate other than that reflected in the note or other relevant credit or security agreement or on which the borrower is paying a rate
which was below market rate for similar extensions of credit to similarly situated borrowers at the time the extensions of credit was
originated. All such extensions of credit are and were originated in compliance in all material respects with all applicable laws. Except
as disclosed in Section&nbsp;4.21 of the GSB Disclosure Memorandum, no director or executive officer of GSB or Bank, or any &#8220;associate&#8221;
(as such term is defined in Rule&nbsp;14a&#45;1 under the Exchange Act) or related interest of any such Person, has any interest in any
contract or property (real or personal, tangible or intangible), used in, or pertaining to, the business of GSB or Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.22&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Approvals.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">No GSB Entity nor, to the
Knowledge of GSB, any Affiliate thereof, has taken or agreed to take any action or has any Knowledge of any fact or circumstance that
is reasonably likely to materially impede or delay receipt of any required Consents or result in the imposition of a condition or restriction
of the type referred to in the last sentence of Section&nbsp;8.1(b). No GSB Entity is subject to any cease-and-desist or other order
or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is
a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any
civil penalty by, or is a recipient of any supervisory letter from, or has adopted any board resolutions at the request or suggestion
of any Regulatory Authority or other Governmental Authority that restricts the conduct of its business or that relates to its capital
adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (any such agreement, memorandum
of understanding, letter, undertaking, order, directive or resolutions, whether or not set forth in the GSB Disclosure Memorandum, a
 &#8220;<U>GSB Regulatory Agreement</U>&#8221;), nor are there any pending or, to the Knowledge of GSB, threatened regulatory investigations
or other actions by any Regulatory Authority or other Governmental Authority that could reasonably be expected to lead to the issuance
of any such GSB Regulatory Agreement. Notwithstanding the foregoing, in no event shall this Section&nbsp;4.22 require the disclosure
of confidential supervisory information, as such limitation is set forth in Section&nbsp;10.12(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.23&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Takeover
Laws and Provisions.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each GSB Entity has taken
all necessary action, if any, to exempt the transactions contemplated by this Agreement from, or if necessary to challenge the validity
or applicability of, any applicable &#8220;moratorium,&#8221; &#8220;fair price,&#8221; &#8220;business combination,&#8221; &#8220;control
share,&#8221; or other anti-takeover Laws, (collectively, &#8220;<U>Takeover Laws</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.24&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Brokers
and Finders; Opinion of Financial Advisor.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except for the GSB Financial
Advisor, neither GSB nor its Subsidiaries, or any of their respective officers, directors, employees, or Representatives, has employed
any broker, finder, or investment banker or incurred any Liability for any financial advisory fees, investment bankers fees, brokerage
fees, commissions, or finder&#8217;s or other such fees in connection with this Agreement or the transactions contemplated hereby. Section&nbsp;4.24
of the GSB Disclosure Memorandum lists the fees and expenses that that are currently owed to the GSB Financial Advisor and that will be
owed to GSB Financial Advisor as a result of transactions contemplated by this Agreement and includes a copy of the GSB Financial Advisor&#8217;s
engagement letter. GSB&#8217;s board of directors has received the opinion (which, if initially rendered verbally, has been or will be
confirmed by a written opinion, dated the same date) of the GSB Financial Advisor to the effect that, as of the date of such opinion,
and based upon and subject to the factors, assumptions and limitations set forth therein, the Exchange Ratio is fair, from a financial
point of view, to the holders of GSB Stock, a signed copy of which has been or will be delivered to Buyer solely for informational purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.25&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board
of Directors Recommendation.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GSB&#8217;s board of directors,
at a meeting duly called and held, has by unanimous vote of the directors present (i)&nbsp;adopted this Agreement and approved the transactions
contemplated hereby, including the Merger and the transactions contemplated hereby and thereby, and has determined that, taken together,
they are fair to and in the best interests of GSB&#8217;s shareholders, and (ii)&nbsp;resolved, subject to the terms of this Agreement,
to recommend that the holders of the shares of GSB Stock approve this Agreement, the Merger, and the related transactions and to call
and hold a meeting of GSB&#8217;s shareholders at which this Agreement, the Merger, and the related transactions shall be submitted to
the holders of the shares of GSB Stock for approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.26&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Statements
True and Correct.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
representation or warranty by GSB in this Agreement and no statement contained in the GSB Disclosure Memorandum or any certificate, instrument,
or other writing furnished or to be furnished by any GSB Entity or any Affiliate thereof to Buyer pursuant to this Agreement or any other
document, agreement, or instrument referred to herein contains or will contain any untrue statement of material fact or will omit to state
a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None
of the information supplied or to be supplied by any GSB Entity or any Affiliate thereof for inclusion in the Registration Statement to
be filed by Buyer with the SEC will, when the Registration Statement becomes effective, be false or misleading with respect to any material
fact, or omit to state any material fact necessary to make the statements therein, in light of the circumstances under which they were
made, not misleading. None of the information supplied or to be supplied by any GSB Entity or any Affiliate thereof for inclusion in the
Proxy Statement/Prospectus to be delivered to GSB&#8217;s shareholders in connection with GSB&#8217;s Shareholders&#8217; Meetings, and
any other documents to be filed by any GSB Entity or any Affiliate thereof with the SEC or any other Regulatory Authority in connection
with the transactions contemplated hereby, will, at the respective time such documents are filed, and with respect to the Proxy Statement/Prospectus,
when first mailed or delivered to the shareholders of GSB be false or misleading with respect to any material fact, or omit to state any
material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, or,
in the case of the Proxy Statement/Prospectus or any amendment thereof or supplement thereto, at the time of GSB&#8217;s Shareholders&#8217;
Meeting be false or misleading with respect to any material fact, or omit to state any material fact necessary to correct any statement
in any earlier communication with respect to the solicitation of any proxy for GSB&#8217;s Shareholders&#8217; Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
documents that any GSB Entity or any Affiliate thereof is responsible for filing with any Governmental Authority in connection with the
transactions contemplated hereby will comply as to form in all material respects with the provisions of applicable Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.27&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Delivery
of GSB Disclosure Memorandum.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GSB has delivered to Buyer
a complete GSB Disclosure Memorandum herewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.28&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
Additional Representations.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except for the representations
and warranties specifically set forth in Article&nbsp;4 of this Agreement, neither GSB nor any of its Affiliates or Representatives,
nor any other Person, makes or shall be deemed to make any representation or warranty to Buyer, express or implied, at law or in equity,
with respect to the transactions contemplated hereby, and GSB hereby disclaims any such representation or warranty by GSB or any of its
officers, directors, employees, agents, or representatives, or any other Person .</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;5</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><BR>
REPRESENTATIONS AND WARRANTIES OF BUYER</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Buyer represents and warrants
to GSB, except as set forth on the Buyer Disclosure Memorandum, as follows:</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Organization,
Standing, and Power.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Buyer is a corporation duly
organized, validly existing, and in good standing under the Laws of the State of North Carolina and is a bank holding company within the
meaning of the BHCA. Buyer Bank is a banking corporation duly organized, validly existing and in good standing under the Laws of the State
of North Carolina. Each of Buyer and Buyer Bank has the corporate power and authority to carry on its business as now conducted and to
own, lease, and operate its Assets. Each of Buyer and Buyer Bank is duly qualified or licensed to transact business as a foreign corporation
in good standing in the states of the United States and foreign jurisdictions where the character of its Assets or the nature or conduct
of its business requires it to be so qualified or licensed, except for such jurisdictions in which the failure to be so qualified or licensed
is not reasonably likely to have, individually or in the aggregate, a Buyer Material Adverse Effect. Buyer Bank is an &#8220;insured institution&#8221;
as defined in the Federal Deposit Insurance Act and applicable regulations thereunder, and the deposits held by Buyer Bank are insured,
up to the applicable limits, by the FDIC&#8217;s Deposit Insurance Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Authority
of Buyer; No Breach By Agreement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Buyer
has the corporate power and authority necessary (i)&nbsp;to execute, deliver, and, other than with respect to the Merger, perform this
Agreement, and (ii)&nbsp;with respect to the Merger, upon the approval of the Merger, including any approvals referred to in Sections
8.1(b)&nbsp;and 8.1(c)&nbsp;and by Buyer&#8217;s shareholders in accordance with this Agreement and the NCBCA, to perform its obligations
under this Agreement and to consummate the transactions contemplated hereby. The execution, delivery, and performance of this Agreement
and the consummation of the transactions contemplated herein, including the Merger, have been duly and validly authorized by all necessary
corporate action in respect thereof on the part of Buyer, (including approval by at least a majority of the members of Buyer&#8217;s board
of directors unaffiliated with any other party to the proposed transaction). Subject to any approvals referred to in Sections 8.1(b)&nbsp;and
8.1(c), this Agreement represents a legal, valid, and binding obligation of Buyer, enforceable against Buyer in accordance with its terms
(except in all cases as such enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, or similar
Laws affecting the enforcement of creditors&#8217; rights generally and except that the availability of the equitable remedy of specific
performance or injunctive relief is subject to the discretion of the court before which any proceeding may be brought).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
the execution and delivery of this Agreement by Buyer, nor the consummation by Buyer and Buyer Bank of the transactions contemplated hereby,
nor compliance by Buyer and Buyer Bank with any of the provisions hereof, will (i)&nbsp;conflict with or result in a breach of any provision
of Buyer&#8217;s articles of incorporation or bylaws or the articles of incorporation or bylaws of any Buyer Subsidiary or any resolution
adopted by the board of directors or the shareholders of any Buyer Entity, or (ii)&nbsp; constitute or result in a Default under, or require
any Consent pursuant to, or result in the creation of any Lien on any material Asset of any Buyer Entity under, any material Contract
or any material Permit of any Buyer Entity, or (iii)&nbsp;subject to receipt of the requisite Consents referred to in Section&nbsp;8.1(c),
constitute or result in a Default under, or require any Consent pursuant to, any Law or Order applicable to any Buyer Entity or any of
their respective material Assets (including any Buyer Entity or any Buyer Entity becoming subject to or liable for the payment of any
Tax on any Assets owned by any Buyer Entity or any Buyer Entity being reassessed or revalued by any Regulatory Authority).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
for (i)&nbsp;the filing of applications and notices with, and approval of such applications and notices from the Federal Reserve, the
North Carolina Commissioner of Banks, and the South Carolina Commissioner of Banking, (ii)&nbsp;the filing of any other required applications,
filings, or notices with any other federal or state banking, insurance, or other regulatory or self-regulatory authorities, or any courts,
administrative agencies or commissions or other Governmental Authorities and approval of or non-objection to such applications, filings,
and notices, (iii)&nbsp;the filing with the SEC of the Registration Statement in which the Proxy Statement/Prospectus will be included,
and declaration of effectiveness of the Registration Statement, (iv)&nbsp;the filing of the Articles of Merger with the Secretary of State
of North Carolina and the South Carolina Secretary of State, (v)&nbsp;any consents, authorizations, approvals, filings, or exemptions
in connection with compliance with the applicable provisions of federal and state securities laws relating to the Merger, regulation of
broker-dealers, investment advisers, or transfer agents, and federal commodities laws relating to the regulation of futures commission
merchants and the rules&nbsp;and regulations thereunder and of any applicable industry self-regulatory organization, and the rules&nbsp;and
regulations of The Nasdaq Stock Market, (vi)&nbsp;any filings or notices that are required under consumer finance, mortgage banking and
other similar laws, and (vii)&nbsp;notices or filings under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as amended, if any,
no consents or approvals of or filings or registrations with any Governmental Authority are necessary in connection with the consummation
by Buyer and Buyer Bank of the Merger and the other transactions contemplated by this Agreement. No consents or approvals of or filings
or registrations with any Governmental Authority are necessary in connection with the execution and delivery by Buyer of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Capital
Stock.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The authorized capital stock
of Buyer consists of 60,000,000 shares of Buyer Common Stock, of which 35,649,371 shares are issued and outstanding as of the date of
this Agreement, and 5,000,000 shares of Buyer preferred stock, of which no shares are issued and outstanding as of the date of this Agreement.
All of the issued and outstanding shares of capital stock of Buyer are duly and validly issued and outstanding and are fully paid and
nonassessable. Buyer Common Stock is listed for trading and quotation on the Nasdaq Global Select Market. None of the outstanding shares
of capital stock of Buyer has been issued in violation of any preemptive rights of the current or past shareholders of Buyer. The shares
of Buyer Common Stock to be issued in the Merger will be (i)&nbsp;duly authorized, validly issued, fully paid, and nonassesable; (ii)&nbsp;registered
under the Securities Act; and (iii)&nbsp;listed for trading and quotation on the Nasdaq Global Select Market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exchange
Act Filings; Financial Statements.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Buyer
has timely filed all Exchange Act Documents required to be filed by Buyer since January&nbsp;1, 2019 (together with all such Exchange
Act Documents filed, whether or not required to be filed, the &#8220;<U>Buyer Exchange Act Reports</U>&#8221;). The Buyer Exchange Act
Reports (i)&nbsp;at the time filed (or, if amended or superseded by a filing prior to the date of this Agreement, then on the date of
such amended or subsequent filing or, in the case of registration statements, at the effective date thereof), complied in all material
respects with the applicable requirements of the Securities Laws and other applicable Laws and (ii)&nbsp;did not, at the time they were
filed (or, if amended or superseded by a filing prior to the date of this Agreement, then on the date of such amended or subsequent filing
or, in the case of registration statements, at the effective date thereof) contain any untrue statement of a material fact or omit to
state a material fact required to be stated in such Buyer Exchange Act Reports or necessary in order to make the statements in such Buyer
Exchange Act Reports, in light of the circumstances under which they were made, not misleading. No Buyer Subsidiary is required to file
any Exchange Act Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the Buyer Financial Statements (including, in each case, any related notes) contained in the Buyer Exchange Act Reports, including
any Buyer Exchange Act Reports filed after the date of this Agreement until the Effective Time, complied, or will comply, as to form in
all material respects with the applicable published rules&nbsp;and regulations of the Exchange Act with respect thereto, was, or will
be prepared in accordance with GAAP applied on a consistent basis throughout the periods involved (except as may be indicated in the notes
to such financial statements or, in the case of unaudited interim statements, as permitted by Form&nbsp;10&#45;Q of the Exchange Act),
and fairly presented or will fairly present in all material respects the consolidated financial position of Buyer and its Subsidiaries
as of the respective dates and the consolidated results of operations and cash flows for the periods indicated, except that the unaudited
interim financial statements were or are subject to normal and recurring year-end adjustments which were not or are not expected to be
material in amount or effect.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Buyer&#8217;s
independent public accountants, which have expressed their opinion with respect to the Financial Statements of Buyer included in Buyer&#8217;s
Exchange Act Reports (including the related notes), are and have been throughout the periods covered by such Financial Statements (i)&nbsp;a
registered public accounting firm (as defined in Section&nbsp;2(a)(12) of the Sarbanes-Oxley Act) (to the extent applicable during such
period), (ii)&nbsp;&#8220;independent&#8221; with respect to Buyer within the meaning of Regulation S-X, and (iii)&nbsp;with respect to
Buyer, in compliance with subsections (g)&nbsp;through (l)&nbsp;of Section&nbsp;10A of the Exchange Act and related Securities Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Buyer
maintains disclosure controls and procedures required by Rule&nbsp;13a-15 or 15d-15 under the Exchange Act; such controls and procedures
are effective to ensure that all material information concerning Buyer is made known on a timely basis to the individuals responsible
for the preparation of Buyer&#8217;s Exchange Act Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Absence
of Undisclosed Liabilities.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither Buyer nor any of the
Buyer Subsidiaries has incurred any liability or obligation of any nature whatsoever (whether absolute, accrued, contingent, determined,
determinable, or otherwise and whether due or to become due), except for (i)&nbsp;those liabilities that are reflected or reserved against
on the consolidated balance sheet of Buyer included in its Quarterly Report on Form&nbsp;10-Q for the fiscal quarter ended March&nbsp;31,
2022 (including any notes thereto), (ii)&nbsp;liabilities incurred in the ordinary course of business consistent in nature and amount
with past practice since March&nbsp;31, 2022, or (iii)&nbsp;liabilities incurred in connection with this Agreement and the transactions
contemplated hereby. Neither Buyer nor any of its Subsidiaries is a party to, or has any commitment to become a party to, any joint venture,
off-balance sheet partnership or any similar Contract or arrangement (including any Contract or arrangement relating to any transaction
or relationship between or among Buyer and any of its Subsidiaries, on the one hand, and any unconsolidated Affiliate, including any structured
finance, special purpose or limited purpose entity or Person, on the other hand, or any &#8220;off-balance sheet arrangement&#8221;),
where the result, purpose or intended effect of such Contract or arrangement is to avoid disclosure of any material transaction involving,
or material liabilities of, Buyer or any of its Subsidiaries in Buyers&#8217; or such Subsidiary&#8217;s financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Absence
of Certain Changes or Events.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Since December&nbsp;31, 2021,
except as otherwise disclosed in Section&nbsp;5.6 of the Buyer Disclosure Memorandum, (i)&nbsp;there have been no events, changes, or
occurrences which have had, or are reasonably likely to have, individually or in the aggregate, a Buyer Material Adverse Effect, (ii)&nbsp;none
of the Buyer Entities has taken any action, or failed to take any action, prior to the date of this Agreement, which action or failure,
if taken after the date of this Agreement, would represent or result in a material breach or violation of any covenants and agreements
of Buyer provided in this Agreement, and (iii)&nbsp;since December&nbsp;31, 2021, the Buyer Entities have conducted their respective businesses
in the ordinary course of business consistent with past practice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax
Matters.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As of the date of this Agreement,
it is the present intention, and as of the day of the Effective Time, it will be the present intention, of Buyer to continue, either
through Buyer or through a member of Buyer&#8217;s &#8220;qualified group&#8221; within the meaning of Treasury Regulation Section&nbsp;1.368-1(d)(4)(ii)&nbsp;(the
 &#8220;<U>Qualified Group</U>&#8221;), at least one significant historic business line of GSB, or to use at least a significant portion
of GSB&#8217;s historic business assets in a business, in each case within the meaning of Treasury Regulation Section&nbsp;1.368-1(d).
As of the date of this Agreement and as of the Effective Time, neither Buyer nor any &#8220;related person&#8221; (as defined in Treasury
Regulations Section&nbsp;1.368-1(e)(4)) to Buyer has or will have any plan or intention to redeem or reacquire, either directly or indirectly,
any of the Buyer Common Stock issued to the holders of GSB Stock in connection with the Merger. As of the date of this Agreement and
as of the Effective Time, Buyer does not have and will not have any plan or intention to sell or otherwise dispose of any of the assets
of GSB acquired in the Merger, except for dispositions made in the ordinary course of business or transfers described in Section&nbsp;368(a)(2)(C)&nbsp;of
the Code or described and permitted in Treasury Regulation Section&nbsp;1.368-2(k).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compliance
with Laws.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Buyer
is a bank holding company duly registered and in good standing as such with the Federal Reserve. Buyer Bank is a state chartered bank
in good standing with the North Carolina Commissioner of Banks.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compliance
with Permits, Laws and Orders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the Buyer Entities has in effect all Permits and has made all filings, applications, and registrations with Governmental Authorities
that are required for it to own, lease, or operate its assets and to carry on its business as now conducted, and to the Knowledge of Buyer,
there has occurred no Default under any such Permit applicable to their respective businesses or employees conducting their respective
businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the Knowledge of Buyer, none of the Buyer Entities is in material Default under any Laws or Orders applicable to its business or employees
conducting its business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None
of the Buyer Entities has received any notification or communication from any Governmental Authority (A)&nbsp;asserting that Buyer or
any of its Subsidiaries is in Default under any of the Permits, Laws, or Orders which such Governmental Authority enforces, (B)&nbsp;threatening
to revoke any Permits, or (C)&nbsp;requiring or requesting Buyer or any of its Subsidiaries (x)&nbsp;to enter into or consent to the issuance
of a cease and desist Order, formal agreement, directive, commitment, or memorandum of understanding, or (y)&nbsp;to adopt any resolution
of its board of directors or similar undertaking.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There
(A)&nbsp;is no material unresolved violation, criticism, or exception by any Governmental Authority with respect to any report or statement
relating to any examinations or inspections of Buyer or any of the Buyer Subsidiaries, (B)&nbsp;are no notices or correspondence received
by Buyer with respect to pending formal or informal inquiries by, or disagreements with, any Governmental Authority with respect to Buyer&#8217;s
or any of Buyer&#8217;s Subsidiaries&#8217; business, operations, policies, or procedures, and (C)&nbsp;is not any pending or threatened,
nor has any Governmental Authority indicated an intention to conduct any, investigation, or review of it or any of its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None
of the Buyer Entities nor, to the Knowledge of Buyer, any of its directors, officers, employees, or Representatives acting on its behalf
has offered, paid, or agreed to pay any Person, including any Government Authority, directly or indirectly, anything of value for the
purpose of, or with the intent of obtaining or retaining any business in violation of applicable Laws, including (A)&nbsp;using any corporate
funds for any unlawful contribution, gift, entertainment, or other unlawful expense relating to political activity, (B)&nbsp;making any
direct or indirect unlawful payment to any foreign or domestic government official or employee from corporate funds, (C)&nbsp;violating
any provision of the Foreign Corrupt Practices Act of 1977, as amended, or (D)&nbsp;making any bribe, rebate, payoff, influence payment,
kickback, or other unlawful payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Buyer Entity has complied in all material respects with all requirements of Law under the Bank Secrecy Act and the USA Patriot Act, and
each Buyer Entity has timely filed all reports of suspicious activity, including those required under 12 C.F.R. &sect; 353.3.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Buyer Entity&#8217;s collection and use of IIPI complies in all material respects with the Fair Credit Reporting Act and the Gramm-Leach-Bliley
Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(viii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
the foregoing, in no event shall this Section&nbsp;5.8 require the disclosure of confidential supervisory information, as such limitation
is set forth in Section&nbsp;10.12(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Legal
Proceedings.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as disclosed on Section&nbsp;5.9
of the Buyer Disclosure Memorandum, there is no Litigation instituted or pending, or, to the Knowledge of Buyer, threatened (or unasserted
but considered probable of assertion) against any Buyer Entity, against any director, officer, employee, or agent of any Buyer Entity
in their capacities as such or with respect to any service to or on behalf of any Employee Benefit Plan or any other Person at the request
of the Buyer Entity or Employee Benefit Plan of any Buyer Entity, or against any Asset, interest, or right of any of them, nor are there
any Orders or judgments outstanding against any Buyer Entity, other than ordinary routine litigation incidental to Buyer&#8217;s business.
No claim for indemnity has been made or, to the Knowledge of Buyer, threatened by any director, officer, employee, independent contractor,
or agent to any Buyer Entity and, to the Knowledge of Buyer, no basis for any such claim exists.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reports.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Since January&nbsp;1, 2019,
Buyer has timely filed all reports and statements, together with any amendments required to be made with respect thereto, that it was
required to file with Governmental Authorities. As of their respective dates, each of such reports and documents, including the financial
statements, exhibits, and schedules thereto, complied in all material respects with all applicable Laws. As of their respective date,
each report, statement, and document did not, in all material respects, contain any untrue statement of a material fact or omit to state
a material fact required to be stated therein or necessary to make the statements made therein, in light of the circumstances under which
they were made, not misleading. Notwithstanding the foregoing, in no event shall this Section&nbsp;5.10 require the disclosure of confidential
supervisory information, as such limitation is set forth in Section&nbsp;10.12(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Internal
Control.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Buyer&#8217;s internal control
over financial reporting is effective to provide reasonable assurance regarding the reliability of Buyer&#8217;s financial reporting and
the preparation of Buyer financial statements for external purposes in accordance with GAAP. Buyer&#8217;s internal control over financial
reporting is effective to provide reasonable assurance (i)&nbsp;regarding the maintenance of records, that in reasonable detail, accurately
and fairly reflect the transactions and disposition of Buyer&#8217;s consolidated Assets; (ii)&nbsp;that transactions are recorded as
necessary to permit the preparation of Buyer&#8217;s financial statements in accordance with GAAP and that receipts and expenditures are
being made only in accordance with the authorizations of Buyer&#8217;s management and directors; and (iii)&nbsp;regarding prevention or
timely detection of unauthorized acquisition, use or disposition of Buyer&#8217;s consolidated Assets that could have a material impact
on Buyer&#8217;s consolidated financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Approvals.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">No Buyer Entity is subject
to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum
of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or
has been ordered to pay any civil penalty by, or is a recipient of any supervisory letter from, or has adopted any board resolutions at
the request or suggestion of any Regulatory Authority or other Governmental Authority that restricts the conduct of its business or that
relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business
(any such agreement, memorandum of understanding, letter, undertaking, order, directive or resolutions, a &#8220;<U>Buyer Regulatory Agreement</U>&#8221;),
nor are there any pending or, to the Knowledge of Buyer, threatened regulatory investigations or other actions by any Regulatory Authority
or other Governmental Authority that could reasonably be expected to lead to the issuance of any such Buyer Regulatory Agreement. Notwithstanding
the foregoing, in no event shall this Section&nbsp;5.12 require the disclosure of confidential supervisory information, as such limitation
is set forth in Section&nbsp;10.12(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Brokers
and Finders; Opinion of Financial Advisor.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except for the Buyer Financial
Advisor, neither Buyer nor its Subsidiaries, nor any of their respective officers, directors, employees, or Representatives, has employed
any broker or finder, or incurred any Liability for any financial advisory fees, investment bankers&#8217; fees, brokerage fees, commissions,
or finder&#8217;s fees in connection with this Agreement or the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certain
Actions.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Neither Buyer nor any Affiliate
thereof has taken or agreed to take any action or has any Knowledge of any factor circumstance that is reasonably likely to materially
impede or delay receipt of any required Consents or result in the imposition of a condition or restriction of the type referred to in
the last sentence of Section&nbsp;8.1(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Available
Consideration.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Buyer has available to it,
or as of the Effective Time will have available to it, sufficient shares of authorized and unissued Buyer Common Stock necessary for the
issuance and payment of the Merger Consideration and has funds available to it and to satisfy its payment obligations under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board
of Directors Recommendation.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Buyer&#8217;s board of directors,
at a meeting duly called and held, has by unanimous vote of the directors present adopted this Agreement and approved the transactions
contemplated hereby, including the Merger and the transactions contemplated hereby and thereby, and has determined that, taken together,
they are fair to and in the best interests of Buyer&#8217;s shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Statements
True and Correct.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
statement, certificate, instrument, or other writing furnished or to be furnished by Buyer or any Affiliate thereof to GSB pursuant to
this Agreement or any other document, agreement, or instrument referred to herein contains or will contain any untrue statement of material
fact or will omit to state a material fact necessary to make the statements therein, in light of the circumstances under which they were
made, not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None
of the information supplied or to be supplied by Buyer or any Affiliate thereof for inclusion in the Registration Statement to be filed
by Buyer with the SEC will, when the Registration Statement becomes effective, be false or misleading with respect to any material fact,
or omit to state any material fact necessary to make the statements therein not misleading. None of the information supplied by Buyer
or any Affiliate thereof for inclusion in the Proxy Statement/Prospectus to be delivered to GSB&#8217;s shareholders in connection with
GSB&#8217;s Shareholders&#8217; Meeting, and any other documents to be filed by Buyer or any Affiliate thereof with the SEC or any other
Regulatory Authority in connection with the transactions contemplated hereby, will, at the respective time such documents are filed,
and with respect to the Proxy Statement/Prospectus, when first mailed or delivered to the shareholders of GSB be false or misleading
with respect to any material fact, or omit to state any material fact necessary to make the statements therein, in light of the circumstances
under which they were made, not misleading, or, in the case of the Proxy Statement/Prospectus or any amendment thereof or supplement
thereto, at the time of GSB&#8217;s Shareholders&#8217; Meeting be false or misleading with respect to any material fact, or omit to
state any material fact necessary to correct any statement in any earlier communication with respect to the solicitation of any proxy
for GSB&#8217;s Shareholders&#8217; Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
documents that Buyer or any Affiliate thereof is responsible for filing with any Governmental Authority in connection with the transactions
contemplated hereby will comply as to form in all material respects with the provisions of applicable Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Delivery
of Buyer Disclosure Memorandum.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Buyer has delivered to GSB
a complete Buyer Disclosure Memorandum herewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>5.19&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
Additional Representations.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except for the representations
and warranties specifically set forth in Article&nbsp;5 of this Agreement, neither Buyer nor any of its Affiliates or Representatives,
nor any other Person, makes or shall be deemed to make any representation or warranty to GSB, express or implied, at law or in equity,
with respect to the transactions contemplated hereby, and Buyer hereby disclaims any such representation or warranty by Buyer or any of
its officers, directors, employees, agents, or representatives, or any other Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;6<BR>
CONDUCT OF BUSINESS PENDING CONSUMMATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Affirmative
Covenants of GSB and Buyer.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From
the date of this Agreement until the earlier of the Effective Time or the termination of this Agreement, unless the prior written Consent
of Buyer shall have been obtained (which Consent shall not be unreasonably withheld, delayed, or conditioned), and except as otherwise
expressly contemplated herein, GSB shall, and shall cause each of its Subsidiaries to, (i)&nbsp;operate its business only in the usual,
regular, and ordinary course, (ii)&nbsp;use commercially reasonable efforts to preserve intact its business organization and Assets and
maintain its Rights and franchises, (iii)&nbsp;use commercially reasonable efforts to cause its representations and warranties to be correct
at all times, (iv)&nbsp;consult with Buyer prior to entering into or making any loans or other transactions with a value equal to or exceeding
$5.0 million other than residential mortgage loans for which GSB has a commitment to buy from a reputable investor, and loans for which
commitments have been made as of the date of this Agreement, (v)&nbsp;consult with Buyer prior to entering into or making any loans that
exceed regulatory loan to value guidelines, and (vi)&nbsp;take no action which would be reasonably likely to (A)&nbsp;adversely affect
the ability of any Party to obtain any Consents required for the transactions contemplated hereby without imposition of a condition or
restriction of the type referred to in the last sentences of Sections 8.1(b)&nbsp;or 8.1(c), or (B)&nbsp;materially adversely affect the
ability of any Party to perform its covenants and agreements under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From
the date of this Agreement until the earlier of the Effective Time or the termination of this Agreement, unless the prior written Consent
of GSB shall have been obtained (which Consent shall not be unreasonably withheld, delayed, or conditioned), and except as otherwise expressly
contemplated herein, Buyer shall, and shall cause each of its Subsidiaries to, (i)&nbsp;operate its business only in the usual, regular,
and ordinary course, (ii)&nbsp;use commercially reasonable efforts to preserve intact its business organization and Assets and maintain
its rights and franchises, (iii)&nbsp;use commercially reasonable efforts to cause its representations and warranties to be correct at
all times, and (iv)&nbsp;take no action which would reasonably be likely to (A)&nbsp;adversely affect the ability of any Party to obtain
any Consents required for the transactions contemplated hereby without imposition of a condition or restriction of the type referred to
in the last sentences of Sections 8.1(b)&nbsp;or 8.1(c), or (B)&nbsp;materially adversely affect the ability of any Party to perform its
covenants and agreements under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
and Buyer each shall, and shall cause each of its Subsidiaries to, cooperate with the other Party and provide all necessary corporate
approvals, and cooperate in seeking all approvals of any business combinations of GSB and its Subsidiaries requested by Buyer, provided,
the effective time of such business combinations is on or after the Effective Time of the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>6.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Negative
Covenants of GSB.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">From the date of this Agreement
until the earlier of the Effective Time or the termination of this Agreement, unless the prior written Consent of Buyer shall have been
obtained (which Consent shall not be unreasonably withheld, delayed, or conditioned), and except as otherwise contemplated herein, GSB
covenants and agrees that it will not do or agree or commit to do, or permit any of its Subsidiaries to do or agree or commit to do, any
of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;amend
the articles of incorporation, bylaws, or other governing instruments of any GSB Entity;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;incur
any additional debt obligation or other obligation for borrowed money in excess of an aggregate of $750,000 except in the ordinary course
of the business of any GSB Entity consistent with past practices and that are prepayable without penalty, charge, or other payment (which
exception shall include, for GSB Entities that are depository institutions, creation of deposit liabilities, purchases of federal funds,
advances from the Federal Reserve, and entry into repurchase agreements fully secured by U.S. government securities or U.S. government
agency securities; <I>provided, however</I>, this exception does not include advances from the Federal Home Loan Bank), or impose, or
suffer the imposition, on any Asset of any GSB Entity of any Lien or permit any such Lien to exist (other than in connection with public
deposits, repurchase agreements, bankers&#8217; acceptances, &#8220;treasury tax and loan&#8221; accounts established in the ordinary
course of Bank&#8217;s business, the satisfaction of legal requirements in the exercise of trust powers, and Liens in effect as of the
date hereof that are disclosed in the GSB Disclosure Memorandum);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;repurchase,
redeem, or otherwise acquire or exchange (other than exchanges in the ordinary course under Employee Benefit Plans, including the net
exercise of stock options and any share acquisitions associated with the GSB Option Plans made in compliance with applicable Laws), directly
or indirectly, any shares, or any securities convertible into any shares, of the capital stock of any GSB Entity, or declare or pay any
dividend or make any other distribution in respect of GSB&#8217;s capital stock (except for (i)&nbsp;dividends paid in the ordinary course
of business by any direct or indirect wholly-owned GSB Subsidiary to GSB or any other direct or indirect wholly-owned GSB Subsidiary,
or (ii)&nbsp;a quarterly cash dividend on GSB Common Stock and GSB Series&nbsp;A Preferred Stock at a rate no greater than the rate paid
by it during the fiscal quarter immediately preceding the date hereof and payment dates consistent with past practice), provided that
prior to Closing, GSB shall be permitted, without the consent of Buyer, to pay its shareholders a cash dividend equal to (i)&nbsp;the
cumulative, aggregate cash dividend amount its shareholders would have received prior to Closing if GSB&#8217;s shareholders were shareholders
of records as of the record date for Buyer&#8217;s dividend(s)&nbsp;beginning in the first fiscal quarter of 2023, less (ii)&nbsp;the
cumulative aggregate amount of cash dividends paid to GSB&#8217;s shareholders by GSB during the period beginning in the first fiscal
quarter of 2023.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except
for this Agreement and except pursuant to the valid exercise of GSB Options outstanding as of the date of this Agreement, issue, sell,
pledge, encumber, authorize the issuance of, enter into any Contract to issue, sell, pledge, encumber, or authorize the issuance of, or
otherwise permit to become outstanding, any additional shares of GSB Stock, any other capital stock of any GSB Entity, or any Right with
respect to GSB Stock or any other capital stock of a GSB Entity;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;adjust,
split, combine, or reclassify any capital stock of any GSB Entity or issue or authorize the issuance of any other securities in respect
of or in substitution for shares of GSB Stock or issue any GSB Options, or sell, lease, mortgage, or otherwise dispose of or otherwise
(i)&nbsp;any shares of capital stock of any GSB Subsidiary or (ii)&nbsp;any Asset other than in the ordinary course of business for reasonable
and adequate consideration, except issuances of shares of GSB Common Stock pursuant to the exercise of GSB Options outstanding on the
date of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except
in the ordinary course of business consistent with past practice and not to exceed an aggregate of $7.5 million (but not to exceed $1.25
million with respect to a Person that is not government sponsored entity), purchase any securities or make any material investment, either
by purchase of stock or securities, contributions to capital (other than pursuant to binding commitments existing on the date hereof),
Asset transfers, or purchase of any Assets, in any Person other than a wholly owned GSB Subsidiary, or otherwise acquire direct or indirect
control over any Person, other than in connection with foreclosures of loans in the ordinary course of business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;except
as contemplated by this Agreement or disclosed on Section&nbsp;6.2(g)&nbsp;of the GSB Disclosure Memorandum, grant any bonus or increase
in compensation or benefits to the employees, officers or directors of any GSB Entity, (ii)&nbsp;commit or agree to pay any severance
or termination pay, or any stay or other bonus to any GSB director, officer or employee, (iii)&nbsp;enter into or amend any severance
agreements with officers, employees, directors, independent contractors, or agents of any GSB Entity, (iv)&nbsp;change any fees or other
compensation or other benefits to directors of any GSB Entity, or (v)&nbsp;waive any stock repurchase rights, accelerate, amend, or change
the period of exercisability of any Rights or restricted stock, or re-price Rights granted under GSB Benefit Plans or authorize cash payments
in exchange for any Rights, except as otherwise contemplated by this Agreement; or accelerate or vest or commit or agree to accelerate
or vest any GSB Options or any amounts, benefits or rights payable by any GSB Entity; <I>provided, however, </I>that GSB may continue
to make annual merit or market salary increases in the ordinary course of business consistent with past practices provided that any increases
during the calendar years 2022 and 2023 shall not exceed in the aggregate five percent (5%) of such employee&#8217;s base salary or wage
rate in effect as of the date hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;enter
into or amend any employment Contract between any GSB Entity and any Person (unless such amendment is required by Law) that GSB Entity
does not have the unconditional right to terminate without Liability (other than Liability for services already rendered), at any time
on or after the Effective Time;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except
as disclosed on Section&nbsp;6.2(i)&nbsp;on the GSB Disclosure Memorandum, adopt any new Employee Benefit Plan of any GSB Entity or terminate
or withdraw from, or make any material change in or to, any existing employee benefit plans, welfare plans, insurance, stock or other
plans or GSB Benefit Plans of any GSB Entity other than any such change that is required by Law or to maintain continuous benefits at
current levels or that, in the written opinion of counsel, is necessary or advisable to maintain the tax qualified status of any such
plan, or make any distributions from such Employee Benefit Plans, except as required by Law or as contemplated by this Agreement, the
terms of such plans or consistent with past practice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;make
any change in any Tax or accounting methods or systems of internal accounting controls, except as may be appropriate and necessary to
conform to changes in Tax Laws, regulatory accounting requirements, or GAAP;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;commence
any Litigation other than in accordance with past practice, or settle any Litigation involving any Liability of any GSB Entity for money
damages or restrictions upon the operations of any GSB Entity;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;enter
into, modify, amend, or terminate any material Contract other than with respect to those involving aggregate payments of less than, or
the provision of goods or services with a market value of less than, $75,000 per annum and with a term of 24 months or less or other than
Contracts covered by Section&nbsp;6.2(m);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except
in the ordinary course of business consistent with past practice, make, renegotiate, renew, increase, extend, modify or purchase any loan,
lease (credit equivalent), advance, credit enhancement or other extension of credit, or make any commitment in respect of any of the foregoing;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;make
any adverse changes in the mix, rates, terms, or maturities of GSB&#8217;s deposits and other Liabilities or waive, release, compromise,
or assign any material rights or claims, except with respect to (i)&nbsp;any extension of credit for which commitments have already been
made or (ii)&nbsp;any extension of credit with an unpaid balance of less than $1,500,000, if secured, or $500,000, if unsecured, and in
each case in conformity with existing lending policies and practices;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except
for conforming residential mortgage loans held for sale and Small Business Administration loans, enter into any fixed rate loans with
a committed rate term of greater than ten (10)&nbsp;years;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;notwithstanding
anything herein to the contrary, enter into, modify, or amend any loan participation agreements;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except
for loans or extensions of credit made on terms generally available to the public, make or increase any loan or other extension of credit,
or commit to make or increase any such loan or extension of credit, to any director or executive officer of GSB or the Bank, or any entity
controlled, directly or indirectly, by any of the foregoing, other than renewals of existing loans or commitments to loan;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>restructure
or materially change its investment securities portfolio or its interest rate risk position, through purchases, sales or otherwise, or
the manner in which the portfolio is classified or reported;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;make
any capital expenditures in excess of an aggregate of $150,000 except other than pursuant to binding commitments existing on the date
hereof and other than expenditures necessary to maintain existing assets in good repair or to make payment of necessary Taxes;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;establish
or commit to the establishment of any new branch or other office facilities or file any application to relocate or terminate the operation
of any banking office;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;knowingly
take any action that is intended or expected to result in any of its representations and warranties set forth in this Agreement being
or becoming untrue in any material respect at any time prior to the Effective Time, or in any of the conditions to the Merger set forth
in Article&nbsp;8 not being satisfied or in a violation of any provision of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;implement
or adopt any material change in its accounting principles, practices or methods, other than as may be required by GAAP or regulatory guidelines;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;knowingly
take any action that would prevent or impede the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section&nbsp;368(a)&nbsp;of
the Code;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;agree
to take, make any commitment to take, or adopt any resolutions of its board of directors in support of, any of the actions prohibited
by this Section&nbsp;6.2;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;maintain
Bank&#8217;s allowance for loan losses in a manner inconsistent with GAAP and applicable regulatory guidelines and accounting principles,
practices, and methods inconsistent with past practices of the Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;other
than in the ordinary course of business consistent with past practice, make any material changes in Bank&#8217;s policies and practices
with respect to (A)&nbsp;underwriting, pricing, originating, acquiring, selling, or servicing loans, or (B)&nbsp;Bank&#8217;s hedging
practices and policies, in each case except as required by law or requested by a Regulatory Authority, or (ii)&nbsp;acquire or sell any
servicing rights, except the sale of mortgage servicing rights in the ordinary course of business consistent with past practices; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(aa)&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;take
any action or fail to take any action that at the time of such action or inaction is reasonably likely to prevent or would be reasonably
likely to materially interfere with, the consummation of the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>6.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Negative
Covenants of Buyer.</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">During the period from the
date of this Agreement to the Effective Time, except as contemplated by this Agreement, Buyer shall not, and shall not permit any of its
Subsidiaries to, do any of the following, without the prior written Consent of GSB (which Consent shall not be unreasonably withheld,
delayed, or conditioned):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;amend
its articles of incorporation or bylaws or similar governing documents of any of the Buyer Subsidiaries in a manner that changes any material
term or provision of Buyer Common Stock or that otherwise would materially and adversely affect the economic benefits of the Merger to
the holders of GSB Stock or would materially impede Buyer&#8217;s ability to consummate the transactions contemplated by this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;knowingly
take any action that would prevent or impede the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section&nbsp;368(a)&nbsp;of
the Code;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;set
any record or payment dates for the payment of any dividends or distributions on its capital stock or other equity interest, or make,
declare or pay any dividend or distribution (except for (A)&nbsp;dividends paid in the ordinary course of business by any direct or indirect
wholly-owned Buyer Subsidiary to Buyer or any other direct or indirect wholly-owned Buyer Subsidiary, or (B)&nbsp;a quarterly cash dividend
on Buyer Common Stock at a rate not substantially greater than the rate paid by it during the fiscal quarter immediately preceding the
date hereof and payment dates consistent with past practice);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;take
any action or fail to take any action that at the time of such action or inaction is reasonably likely to prevent or would be reasonably
likely to materially interfere with, the consummation of the Merger; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;agree
to or make any commitment to, take, or adopt any resolutions of the board of directors of Buyer in support of, any of the actions prohibited
by this Section&nbsp;6.3.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>6.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Control
of the Other Party&#8217;s Business.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Prior to the Effective Time,
nothing contained in this Agreement (including, without limitation, Sections 6.1, 6.2 or 6.3) shall give Buyer, directly or indirectly,
the right to control or direct the operations of GSB or any GSB Entity, and nothing contained in this Agreement shall give GSB, directly
or indirectly, the right to control or direct the operations of Buyer or any Buyer Entity. Prior to the Effective Time, each Party shall
exercise, consistent with the terms and conditions of this Agreement, complete control and supervision over it and its Subsidiaries&#8217;
respective operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>6.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adverse
Changes in Condition.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each Party agrees to give
written notice promptly to the other Party upon becoming aware of the occurrence or impending occurrence of any event or circumstance
relating to it or any of its Subsidiaries which (i)&nbsp;has had or is reasonably likely to have, individually or in the aggregate, a
GSB Material Adverse Effect or a Buyer Material Adverse Effect, as applicable, (ii)&nbsp;would cause or constitute a material breach of
any of its representations, warranties, or covenants contained herein, or (iii)&nbsp;would be reasonably likely to prevent or materially
interfere with the consummation of the Merger, and to use its reasonable efforts to prevent or promptly to remedy the same.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>6.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reports.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each of Buyer and its Subsidiaries
and GSB and its Subsidiaries shall file all reports required to be filed by it with Regulatory Authorities between the date of this Agreement
and the Effective Time and shall make available to the other Party copies of all such reports promptly after the same are filed. GSB and
its Subsidiaries shall also make available to Buyer monthly financial statements and quarterly call reports. The financial statements
of Buyer and GSB, whether or not contained in any such reports filed under the Exchange Act or with any other Regulatory Authority, will
fairly present the consolidated financial position of the entity filing such statements as of the dates indicated and the consolidated
results of operations, changes in shareholders&#8217; equity, and cash flows for the periods then ended in accordance with GAAP (subject
in the case of interim financial statements to normal recurring year-end adjustments). As of their respective dates, such reports of Buyer
and GSB filed under the Exchange Act or with any other Regulatory Authority will comply in all material respects with the Securities Laws
and will not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary
in order to make the statements therein, in light of the circumstances under which they were made, not misleading. Any financial statements
contained in any other reports to another Regulatory Authority shall be prepared in accordance with the Laws applicable to such reports.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>6.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Buyer
Entity Use and Disclosure of IIPI.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Buyer acknowledges that IIPI
disclosed to Buyer Entities in connection with this Agreement has been and will be disclosed pursuant to 15 U.S.C. &sect; 6802(e)(7)&nbsp;and
12 C.F.R. &sect; 1016.15(a)(6). Buyer Entities may not use or disclose IIPI, nor permit the use or disclosure of IIPI, other than as necessary
to consummate and to make effective the Merger and the transactions contemplated hereby as permitted under 15 U.S.C. &sect; 6802(e)(7)&nbsp;and
12 C.F.R. &sect; 1016.15(a)(6).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;7</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ADDITIONAL
AGREEMENTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder
Approval.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
shall submit to the holders of GSB Common Stock and GSB Series&nbsp;A Preferred Stock this Agreement and any other matters required to
be approved by its shareholders in order to carry out the intentions of this Agreement. In furtherance of that obligation, GSB shall take,
in accordance with applicable Law and its articles of incorporation and bylaws, all action necessary to call, give notice of, convene,
and hold GSB&#8217;s Shareholders&#8217; Meeting as promptly as reasonably practicable for the purpose of considering and voting on approval
of this Agreement and the transactions provided for in this Agreement. GSB&#8217;s board of directors shall recommend that its shareholders
approve this Agreement in accordance with the S.C. Code and shall include such recommendation in the Proxy Statement/Prospectus delivered
to shareholders of GSB, except to the extent GSB&#8217;s board of directors has made an Adverse Recommendation Change (as defined below)
in accordance with the terms of this Agreement. GSB shall solicit and use its reasonable efforts to obtain the Requisite GSB Shareholder
Approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
GSB&#8217;s board of directors nor any committee thereof shall, except as expressly permitted by this Section&nbsp;7.1,
(i)&nbsp;withdraw, qualify or modify, or propose publicly to withdraw, qualify or modify, in a manner adverse to Buyer, the GSB
Recommendation, or (ii)&nbsp;approve or recommend, or propose publicly to approve or recommend, any Acquisition Proposal (each, an
 &#8220;<U>Adverse Recommendation Change</U>&#8221;). Notwithstanding the foregoing, prior to the receipt of the Requisite GSB
Shareholder Approval, GSB&#8217;s board of directors may make an Adverse Recommendation Change if and only if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(A)</TD><TD STYLE="text-align: justify">GSB&#8217;s board of directors determines in good faith, after consultation with the GSB Financial Advisor
(or such other financial advisor as GSB may use) and outside counsel, that it has received an Acquisition Proposal (that did not result
from a breach of Section&nbsp;7.3) that is a Superior Proposal;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(B)</TD><TD STYLE="text-align: justify">GSB&#8217;s board of directors determines in good faith, after consultation with GSB&#8217;s outside counsel,
that a failure to make such Adverse Recommendation Change would be inconsistent with GSB&#8217;s board of directors&#8217; fiduciary duties
to GSB and its shareholders under applicable Law;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(C)</TD><TD STYLE="text-align: justify">GSB&#8217;s board of directors provides written notice (a &#8220;<U>Notice of Recommendation Change</U>&#8221;)
to Buyer of its receipt of the Superior Proposal and its intent to announce an Adverse Recommendation Change on the third (3<SUP>rd</SUP>)
business day following delivery of such notice, which notice shall specify the material terms and conditions of the Superior Proposal
(and include a copy thereof with all accompanying documentation, if in writing) and identify the Person or Group making such Superior
Proposal (it being understood that any amendment to any material term of such Acquisition Proposal shall require a new Notice of Recommendation
Change, except that, in such case, the three business day period referred to in this clause (C)&nbsp;and in clauses (D)&nbsp;and (E)&nbsp;shall
be reduced to two (2)&nbsp;business days following the giving of such new Notice of Recommendation Change);</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(D)</TD><TD STYLE="text-align: justify">after providing such Notice of Recommendation Change, GSB shall negotiate in good faith with Buyer (if
requested by Buyer) and provide Buyer reasonable opportunity during the subsequent three (3)&nbsp;business day period to make such adjustments
in the terms and conditions of this Agreement as would enable GSB&#8217;s board of directors to proceed without an Adverse Recommendation
Change (provided, however, that Buyer shall not be required to propose any such adjustments); and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(E)</TD><TD STYLE="text-align: justify">GSB&#8217;s board of directors, following such three (3)&nbsp;business day period, again determines in
good faith, after consultation with outside counsel, that such Acquisition Proposal nonetheless continues to constitute a Superior Proposal
and that failure to take such action would be inconsistent with their fiduciary duties to GSB and its shareholders under applicable Law.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Registration
of Buyer Common Stock.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>As
promptly as reasonably practicable (and in any event, within 50 days) following the date hereof, Buyer shall prepare and file with the
SEC the Registration Statement. The Registration Statement shall contain proxy materials relating to the matters to be submitted to GSB&#8217;s
shareholders at GSB&#8217;s Shareholders&#8217; Meeting. Such proxy materials shall also constitute the prospectus relating to the shares
of Buyer Common Stock to be issued in the Merger. GSB will furnish to Buyer the information required to be included in the Registration
Statement with respect to its business and affairs and shall have the right to review and consult with Buyer on the form of, and any characterizations
of such information included in, the Registration Statement prior to its being filed with the SEC. Buyer shall use commercially reasonable
efforts to have the Registration Statement declared effective by the SEC and to keep the Registration Statement effective as long as is
necessary to consummate the Merger and the transactions contemplated hereby. Each of Buyer and GSB will use their commercially reasonable
efforts to cause the Proxy Statement/Prospectus to be delivered to the GSB shareholders as promptly as practicable after the Registration
Statement is declared effective under the Securities Act. Buyer will advise GSB, promptly after it receives notice thereof, of the time
when the Registration Statement has become effective, the issuance of any stop order, the suspension of the qualification of Buyer Common
Stock issuable in connection with the Merger for offering or sale in any jurisdiction, or any request by the SEC for amendment of the
Proxy Statement/Prospectus or the Registration Statement. If at any time prior to the Effective Time any information relating to Buyer
or GSB, or any of their respective affiliates, officers or directors, should be discovered by Buyer or GSB which should be set forth in
an amendment or supplement to any of the Registration Statement or the Proxy Statement/Prospectus so that any of such documents would
not include any misstatement of a material fact or omit to state any material fact necessary to make the statements therein, in light
of the circumstances under which they were made, not misleading, the Party that discovers such information shall promptly notify the other
Party hereto and, to the extent required by Law, rules&nbsp;or regulations, an appropriate amendment or supplement describing such information
shall be promptly filed by Buyer with the SEC and disseminated by the Parties to their respective shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Buyer
shall also take any action required to be taken under any applicable state Securities Laws in connection with the Merger and each of Buyer
and GSB shall furnish all information concerning it and the holders of GSB Stock as may be reasonably requested in connection with any
such action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the Effective Time, Buyer shall notify The Nasdaq Stock Market of the additional shares of Buyer Common Stock to be issued by Buyer
in exchange for the shares of GSB Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
Offers,&nbsp;etc.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From
the date of this Agreement through the first to occur of the Effective Time or the termination of this Agreement, each GSB Entity
shall not, and shall use its commercially reasonable efforts to cause its Affiliates and Representatives not to, directly or
indirectly (i)&nbsp;solicit, initiate, or encourage, induce or knowingly facilitate, the making, submission, or announcement of any
proposal that constitutes an Acquisition Proposal, (ii)&nbsp;participate in any discussions (except to notify a third party of the
existence of restrictions provided in this Section&nbsp;7.3) or negotiations regarding, or disclose or provide any nonpublic
information with respect to, or knowingly take any other action to facilitate any inquiries or the making of any proposal that
constitutes an Acquisition Proposal, (iii)&nbsp;enter into any agreement (including any agreement in principle, letter of intent or
understanding, merger agreement, stock purchase agreement, asset purchase agreement, or share exchange agreement, but excluding a
confidentiality agreement of the type described below) (an &#8220;<U>Acquisition Agreement</U>&#8221;) contemplating or otherwise
relating to any Acquisition Transaction, or (iv)&nbsp;propose or agree to do any of the foregoing; provided, however, that prior to
receipt of the Requisite GSB Shareholder Approval, this Section&nbsp;7.3 shall not prohibit a GSB Entity from furnishing nonpublic
information regarding any GSB Entity or other access to, or entering into a confidentiality agreement or discussions or negotiations
with, any Person or Group in response to a bona fide, unsolicited written Acquisition Proposal submitted by such Person or Group
(and not withdrawn) if and only if: (A)&nbsp;no GSB Entity or Representative or Affiliate thereof shall have violated any of the
restrictions set forth in this Section&nbsp;7.3 (other than an unintentional violation that did not, directly or indirectly, result
in the submission of such Acquisition Proposal), (B)&nbsp;GSB&#8217;s board of directors shall have determined in good faith, after
consultation with the GSB Financial Advisor (or such other financial advisor as GSB may use) and outside legal counsel, that such
Acquisition Proposal constitutes or is reasonably likely to result in a Superior Proposal, (C)&nbsp;GSB&#8217;s board of directors
concludes in good faith, after consultation with its outside counsel, that the failure to take such action would be inconsistent
with its fiduciary duties under applicable Law to GSB and its shareholders, (D)&nbsp;GSB receives from such Person or Group an
executed confidentiality agreement containing terms no less favorable to GSB than the confidentiality terms of this Agreement, and
(E)&nbsp;contemporaneously with furnishing any such nonpublic information to such Person or Group, GSB furnishes such nonpublic
information to Buyer (to the extent such nonpublic information has not been previously furnished by GSB to Buyer). In addition to
the foregoing, GSB shall provide Buyer with at least three (3)&nbsp;days&#8217; prior written notice of a meeting of GSB&#8217;s
board of directors at which meeting GSB&#8217;s board of directors is reasonably expected to resolve to recommend the Acquisition
Agreement as a Superior Proposal to its shareholders, and GSB shall keep Buyer informed on a prompt basis of the status and material
terms of such Acquisition Proposal, including any material amendments or proposed amendments as to price and other material terms
thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition to the obligations of GSB set forth in this Section&nbsp;7.3, as promptly as reasonably practicable, after any of the directors
or executive officers of GSB become aware thereof, GSB shall advise Buyer of any request received by GSB for nonpublic information which
GSB reasonably believes could lead to an Acquisition Proposal or of any Acquisition Proposal, the material terms and conditions of such
request or Acquisition Proposal, and the identity of the Person or Group making any such request or Acquisition Proposal. GSB shall keep
Buyer informed promptly of material amendments or modifications to any such request or Acquisition Proposal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as specifically permitted under Section&nbsp;7.3(a), GSB shall immediately cease, and shall use its commercially reasonable efforts to
cause its and its Subsidiaries&#8217; directors, officers, employees, and Representatives to immediately cease, any and all existing activities,
discussions, or negotiations with any Persons conducted heretofore with respect to any Acquisition Proposal and shall use and cause to
be used all commercially reasonable efforts to enforce any confidentiality or similar or related agreement relating to any Acquisition
Proposal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nothing
contained in this Agreement shall prevent a Party or its board of directors from (i)&nbsp;complying with Rule&nbsp;14e-2 under the Exchange
Act with respect to an Acquisition Proposal, <I>provided, that </I>such Rule&nbsp;will in no way eliminate or modify the effect that any
action pursuant to such Rule&nbsp;would otherwise have under this Agreement; (ii)&nbsp;making any disclosure to GSB&#8217;s shareholders
if GSB&#8217;s board of directors determines in good faith, after consultation with its outside counsel, that the failure to make such
disclosures would be reasonably likely to be inconsistent with applicable Law; (iii)&nbsp;informing any Person of the existence of the
provisions contained in this Section&nbsp;7.3, or (iv)&nbsp;making any &#8220;stop, look, and listen&#8221; communication to GSB&#8217;s
shareholders pursuant to Rule&nbsp;14d-9(f)&nbsp;under the Exchange Act (or any similar communication to GSB&#8217;s shareholders).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consents
of Regulatory Authorities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Parties hereto shall cooperate
with each other and use their commercially reasonable efforts to promptly prepare and file all necessary documentation and applications,
to effect all applications, notices, petitions and filings, and to obtain as promptly as practicable all Consents of all Regulatory Authorities
and other Persons which are necessary or advisable to consummate the transactions contemplated by this Agreement (including the Merger).
The Parties agree that they will consult with each other with respect to the obtaining of all Consents of all Regulatory Authorities and
other Persons necessary or advisable to consummate the transactions contemplated by this Agreement and each Party will keep the other
apprised of the status of matters relating to consummation of the transactions contemplated herein. Each Party also shall promptly advise
the other upon receiving any communication from any Regulatory Authority or other Person whose Consent is required for consummation of
the transactions contemplated by this Agreement which causes such Party to believe that there is a reasonable likelihood that any requisite
Consent will not be obtained or that the receipt of any such Consent will be materially delayed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Agreement
as to Efforts to Consummate.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Subject to the terms and conditions
of this Agreement, each Party agrees to take, and to cause its Subsidiaries to take, or cause to be taken, all actions, and to do, or
cause to be done, all things necessary, proper, or advisable under applicable Laws to consummate and make effective, as soon as reasonably
practicable after the date of this Agreement, the transactions contemplated by this Agreement, including using its commercially reasonable
efforts to lift or rescind any Order adversely affecting its ability to consummate the transactions contemplated herein and to cause to
be satisfied the conditions referred to in Article&nbsp;8; <I>provided, </I>that nothing herein shall preclude either Party from exercising
its rights under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investigation
and Confidentiality.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the Effective Time, each Party shall keep the other Party advised of all material developments relevant to its business and the consummation
of the Merger and shall permit the other Party to make or cause to be made such investigation of its business and properties (including
that of its Subsidiaries) and of their respective financial and legal conditions as the other Party reasonably requests, including, but
not limited to, conducting any environmental assessment with respect to any property; provided, that such investigation shall be reasonably
related to the transactions contemplated hereby and shall not interfere unnecessarily or materially with normal operations, and that no
environmental assessment by Buyer, or by consultants or other parties acting on Buyer&#8217;s behalf shall include the sampling of the
soil, groundwater, surface water, indoor air, soil vapor or sub-slab vapor of a property without GSB&#8217;s prior written permission.
No investigation by a Party shall affect the ability of such Party to rely on the representations and warranties of the other Party. Between
the date hereof and the Effective Time, GSB shall permit Buyer&#8217;s senior officers and independent auditors to meet with the senior
officers of GSB, including officers responsible for the GSB Financial Statements and the internal controls of GSB and GSB&#8217;s independent
public accountants, to discuss such matters as Buyer may deem reasonably necessary or appropriate for Buyer to satisfy its obligations
under Sections 302, 404, and 906 of the Sarbanes-Oxley Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition to each Party&#8217;s obligations pursuant to Section&nbsp;7.6(a), each Party shall, and shall cause its advisors and agents
to, maintain the confidentiality of all confidential information furnished to it by the other Party concerning its and its Subsidiaries&#8217;
businesses, operations, and financial positions (&#8220;<U>Confidential Information</U>&#8221;) and shall not use such Confidential Information
for any purpose except in furtherance of the transactions contemplated by this Agreement. If this Agreement is terminated prior to the
Effective Time, each Party shall promptly return or certify the destruction of all documents and copies thereof, and all work papers containing
Confidential Information received from the other Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
shall use its commercially reasonably efforts to exercise, and shall not waive any of, its Rights under, confidentiality agreements entered
into with Persons which were considering an Acquisition Proposal with respect to GSB to preserve the confidentiality of the information
relating to GSB Entities provided to such Persons and their Affiliates and Representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Party agrees to give the other Party notice as soon as practicable after any determination by it of any fact or occurrence relating to
the other Party which it has discovered through the course of its investigation and which represents, or is reasonably likely to represent,
either a material breach of any representation, warranty, covenant, or agreement of the other Party or which has had or is reasonably
likely to have a GSB Material Adverse Effect or a Buyer Material Adverse Effect, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Buyer Entity shall, in accordance with Buyer&#8217;s comprehensive written data security program established and maintained pursuant to
15 U.S.C. &sect;&nbsp;6801 and regulations promulgated thereunder (&#8220;<U>Buyer&#8217;s Security Program</U>&#8221;), safeguard IIPI
and Confidential Information disclosed to that Buyer Entity pursuant to this Agreement or in connection with the transactions contemplated
hereby. In the event that any Buyer Entity allows a third party to access such IIPI and Confidential Information, Buyer shall ensure that
the third party safeguards that IIPI and Confidential Information in accordance with a data security program substantially equivalent
to the Buyer&#8217;s Security Program.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Buyer
shall notify GSB promptly (but in no event more than 24 hours) of any Data Incident. All Buyer Entities shall promptly take all actions
that are necessary and advisable to correct, mitigate, and prevent recurrence of the Data Incident. All Buyer Entities shall cooperate
fully with GSB and its designees in all reasonable efforts to investigate the Data Incident.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
this Agreement is terminated prior to the Effective Time, each Buyer Entity shall promptly return or dispose of, and certify the return
or disposal, of all IIPI received by the Buyer Entity in connection with this Agreement. Any disposal of such IIPI must be performed in
a manner that ensures that the IIPI is rendered permanently unreadable and unrecoverable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Press
Releases.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Prior to the Effective Time,
GSB and Buyer shall consult with each other and agree as to the form and substance of any press release, communication with GSB&#8217;s
shareholders, or other public disclosure materially related to this Agreement, or any other transaction contemplated hereby; <I>provided,
</I>that nothing in this Section&nbsp;7.7 shall be deemed to prohibit any Party from making any disclosure which its counsel deems necessary
or advisable in order to satisfy such Party&#8217;s disclosure obligations imposed by Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Charter
Provisions.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each GSB Entity shall take
all necessary action to ensure that the entering into of this Agreement and the consummation of the Merger and the other transactions
contemplated hereby do not and will not result in the grant of any rights to any Person under the articles of incorporation, bylaws, or
other governing instruments of any GSB Entity or restrict or impair the ability of Buyer or any of its Subsidiaries to vote, or otherwise
to exercise the rights of a shareholder with respect to, shares of any GSB Entity that may be directly or indirectly acquired or controlled
by them.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Employee
Benefits and Contracts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
Persons who are employees of GSB Entities immediately prior to the Effective Time and whose employment is not terminated, if any, at
or prior to the Effective Time (a &#8220;<U>Continuing Employee</U>&#8221;) shall, at the Effective Time or the effective time of
the Bank Merger, as applicable, become employees of Buyer or Buyer Bank, as applicable. Buyer and Buyer Bank shall honor all GSB
employment and change of control agreements existing as of the date of this Agreement that have been disclosed to Buyer, regardless
of whether the employees with such agreements are Continuing Employees or receive new agreements with Buyer. All of the Continuing
Employees shall be employed at will, and no contractual right with respect to employment shall inure to such employees because of
this Agreement, except as otherwise contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of the Effective Time, each Continuing Employee shall be employed on the same terms and conditions as similarly situated employees of
Buyer Bank and eligible to participate in each of Buyer&#8217;s applicable Employee Benefit Plans with full credit for prior service with
GSB solely for purposes of eligibility and vesting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of the Effective Time, Buyer shall make available employer-provided benefits under Buyer&#8217;s applicable Employee Benefit Plans to
each Continuing Employee on the same basis as it provides such coverage to Buyer or Buyer Bank employees. With respect to Buyer&#8217;s
Employee Benefit Plans providing health coverage, Buyer shall use commercially reasonable efforts to cause any pre-existing condition,
eligibility waiting period, or other limitations or exclusions otherwise applicable under such plans to new employees not to apply to
a Continuing Employee or their covered dependents who were covered under a similar GSB Benefit Plan at the Effective Time of the Merger.
In addition, if any such transition occurs during the middle of a plan year, Buyer shall use commercially reasonable efforts to cause
any such successor an Employee Benefit Plan of Buyer providing health coverage to give credit towards satisfaction of any annual deductible
limitation and out-of-pocket maximum applied under such successor plan for any deductible, co-payment and other cost-sharing amounts previously
paid by a Continuing Employee respecting his or her participation in the corresponding GSB Benefit Plan during that plan year prior to
the transition effective date. Notwithstanding the foregoing, and in lieu of the same, Buyer may continue GSB&#8217;s health and other
employee welfare benefit plans for each Continuing Employee as in effect immediately prior to the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
not less than ten (10)&nbsp;days&#8217; notice prior to the Closing Date from Buyer to GSB, GSB shall cause the termination, amendment,
or other appropriate modification of each GSB Benefit Plan as specified by Buyer in such notice such that no GSB Entity shall sponsor
or otherwise have any further Liability thereunder in connection with such applicable GSB Benefit Plans, effective as of the date which
immediately proceeds the Closing Date. Upon such action, participants in such applicable GSB Benefit Plans that are described in ERISA
Section&nbsp;3(2)&nbsp;shall be 100% vested in their account balances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
Continuing Employees who are not parties to an employment, change in control, or other type of agreement that provides for severance or
other compensation upon a change in control or upon a separation from service following a change in control, who remain employed by Buyer
or any of its Subsidiaries as of the Effective Time, and whose employment is terminated by Buyer or any of its Subsidiaries prior to the
first (1<SUP>st</SUP>) anniversary of the Effective Time shall receive, subject to such Continuing Employee&#8217;s execution and non-revocation
of a general release of claims in a form satisfactory to Buyer, the following severance benefits: two (2)&nbsp;weeks of base salary for
each twelve (12) months of such Continuing Employee&#8217;s prior employment with GSB or any GSB Subsidiary; <I>provided, however</I>,
that in no event will the total amount of severance for any single Continuing Employee be less than four (4)&nbsp;weeks of such base salary
or greater than twenty-six (26) weeks of such base salary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
officer, employee, or other Person (other than the Parties to this Agreement) shall be deemed a third party or other beneficiary of this
Section&nbsp;7.9, and no such Person shall have any right or other entitlement to enforce any provision of this Agreement or seek any
remedy in connection with this Agreement, except as set forth in Section&nbsp;7.12. No provision of this Agreement constitutes or shall
be deemed to constitute, an Employee Benefit Plan or other arrangement, an amendment of any Employee Benefit Plan or other arrangement,
or any provision of any Employee Benefit Plan or other arrangement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GSB
shall take all appropriate action to terminate any GSB Benefit Plan which provides for a &#8220;cash or deferred arrangement&#8221; pursuant
to Code Section&nbsp;401(k)&nbsp;prior to the Closing Date; <I>provided, however</I>, that Buyer agrees that nothing in this Section&nbsp;7.9
will require GSB to cause the final dissolution and liquidation of, or to amend (other than as may be required to maintain such plan&#8217;s
compliance with the Code, ERISA, or other applicable Law), said plan prior to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conversion
Bonus Plan; Retention Plan.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>GSB
may implement a retention plan (the &#8220;<U>Retention Plan</U>&#8221;) for the benefit of those employees of GSB and the GSB Subsidiaries
who remain as employees of GSB or the applicable GSB Subsidiary through the Closing Date, with the aggregate benefits thereunder to be
proposed by the chief executive officer of Bank and subject to the approval of Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>To
facilitate the successful integration of GSB into Buyer and the conversion of the systems of Bank to those of Buyer Bank, Buyer shall
establish a conversion bonus pool to be allocated and paid to non-director employees of the Bank who continue in the employ of Buyer Bank
at the expiration of 120 days after the Effective Time. The specific amount to be allocated and paid to each such non-director employee
who continues in the employ of Buyer Bank shall be determined by Buyer prior to the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;16
Matters.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Prior
to the Effective Time, GSB and Buyer shall take all such steps as may be required to cause any acquisitions of Buyer Common Stock
resulting </FONT>from the transactions contemplated by this Agreement by each individual who is subject to the reporting
requirements of Section&nbsp;16(a)&nbsp;of the Exchange Act with respect to GSB to be exempt under Rule&nbsp;16b-3 promulgated under
the Exchange Act. GSB agrees to promptly furnish Buyer with all requisite information necessary for Buyer to take the actions
contemplated by this Section&nbsp;7.11.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indemnification.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
a period of six (6)&nbsp;years after the Effective Time, Buyer shall, and shall cause the Surviving Corporation to, indemnify, defend,
and hold harmless the present and former directors and officers of the GSB Entities (each, an &#8220;<U>Indemnified Party</U>&#8221;)
against all Liabilities arising out of actions or omissions arising out of the Indemnified Party&#8217;s service or services as directors,
officers, employees, or agents of GSB or, at GSB&#8217;s request, of another corporation, partnership, joint venture, trust, or other
enterprise occurring at or prior to the Effective Time (including the transactions contemplated by this Agreement) to the fullest extent
permitted under the NCBCA, Section&nbsp;402 of the Sarbanes-Oxley Act, the Securities Laws, and FDIC Regulations Part&nbsp;359, and by
GSB&#8217;s articles of incorporation and bylaws as in effect on the date hereof, including provisions relating to advances of expenses
incurred in the defense of any Litigation and whether or not Buyer is insured against any such matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the Effective Time, Buyer shall purchase, or shall direct GSB to purchase, an extended reporting period endorsement under GSB&#8217;s
existing directors&#8217; and officers&#8217; liability insurance coverage (&#8220;<U>GSB&#8217;s D&amp;O Policy</U>&#8221;) for acts
or omissions occurring prior to the Effective Time by such directors and officers currently covered by GSB&#8217;s D&amp;O Policy. The
directors and officers of GSB shall take all reasonable actions required by the insurance carrier necessary to procure such endorsement.
Such endorsement shall provide such directors and officers with coverage following the Effective Time for six (6)&nbsp;years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
Indemnified Party wishing to claim indemnification under paragraph (a)&nbsp;of this Section&nbsp;7.12, upon learning of any such Liability
or Litigation, shall promptly notify Buyer and the Surviving Corporation thereof in writing. In the event of any such Litigation (whether
arising before or after the Effective Time), (i)&nbsp;Buyer or the Surviving Corporation shall have the right to assume the defense thereof,
and, in such event, neither Buyer nor the Surviving Corporation shall be liable to such Indemnified Parties for any legal expenses of
other counsel or any other expenses subsequently incurred by such Indemnified Parties in connection with the defense thereof, except that
if Buyer or the Surviving Corporation elects not to assume such defense or counsel for the Indemnified Parties advises that there are
substantive issues which raise conflicts of interest between Buyer or the Surviving Corporation and the Indemnified Parties, the Indemnified
Parties may retain counsel satisfactory to them, and Buyer or the Surviving Corporation shall pay all reasonable fees and expenses of
such counsel for the Indemnified Parties promptly as statements therefor are received; <I>provided</I>, <I>that</I> Buyer and the Surviving
Corporation shall be obligated pursuant to this paragraph (c)&nbsp;to pay for only one firm of counsel for all Indemnified Parties in
any jurisdiction; (ii)&nbsp;the Indemnified Parties will cooperate in good faith in the defense of any such Litigation; and (iii)&nbsp;neither
Buyer nor the Surviving Corporation shall be liable for any settlement effected without its prior written consent and which does not provide
for a complete and irrevocable release of all Buyer Entities and their respective directors, officers, and controlling persons, employees,
agents, and Representatives; and <I>provided</I>, <I>further</I>, that neither Buyer nor the Surviving Corporation shall have any obligation
hereunder to any Indemnified Party when and if a court of competent jurisdiction shall determine, and such determination shall have become
final and unappealable, that the indemnification of such Indemnified Party in the manner contemplated hereby is prohibited by applicable
Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
Buyer or the Surviving Corporation or any successors or assigns thereof consolidates with or merges into any other Person and will not
be the continuing or surviving Person of such consolidation or merger or transfer of all or substantially all of its assets to any Person,
then and in each case, proper provision shall be made so that the successors and assigns of Buyer or the Surviving Corporation shall assume
the obligations set forth in this Section&nbsp;7.12.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
provisions of this Section&nbsp;7.12 are intended to be for the benefit of and shall be enforceable by, each Indemnified Party and their
respective heirs and legal and personal representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax
Covenants of Buyer.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At and after the Effective
Time, Buyer covenants and agrees that it:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;will
not take any action that could reasonably be expected to cause the Merger to fail to qualify as a reorganization under Section&nbsp;368(a)(1)(A)&nbsp;of
the Code;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;will
maintain all books and records and prepare and file all federal, state and local income Tax Returns and schedules thereto of Buyer, GSB,
and all affiliates thereof in a manner consistent with the Merger&#8217;s being qualified as a reorganization and nontaxable exchange
under Section&nbsp;368(a)(1)(A)&nbsp;of the Code (and comparable provisions of any applicable state or local Tax Laws);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;will,
either directly or through a member of Buyer&#8217;s Qualified Group, continue at least one significant historic business line of GSB,
or use at least a significant portion of the historic business assets of GSB in a business, in each case within the meaning of Treasury
Regulation Section&nbsp;1.368-1(d);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;in
connection with the Merger, will not reacquire, and will not permit any Person that is a &#8220;related person&#8221; (as defined in Treasury
Regulation Section&nbsp;1.368-1(e)(4)) to Buyer to acquire, any of the Buyer Common Stock issued in connection with the Merger; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;will
not sell or otherwise dispose of any of GSB&#8217;s Assets acquired in the Merger, and will not cause or permit Buyer Bank to sell or
otherwise dispose of any of Bank&#8217;s assets acquired in the Bank Merger, except for dispositions made in the ordinary course of business
or transfers described in Section&nbsp;368(a)(2)(C)&nbsp;of the Code or described and permitted in Treasury Regulation Section&nbsp;1.368-2(k).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>7.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assumption
of GSB Debentures.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">As of the Effective Time and
upon the terms and conditions set forth herein, Buyer shall assume all rights and obligations of GSB under and relating to the GSB Debentures,
including the due and punctual payment of the principal and any premium and interest on the GSB Debentures according to their terms, and
the due and punctual performance of all covenants and conditions relating to the GSB Debentures to be performed or observed by GSB. As
of the Effective Time, the trust preferred securities included in the GSB Debentures shall rank pari passu to Buyer&#8217;s trust preferred
securities issued and outstanding from time to time and the subordinated debt securities in the GSB Debentures shall rank pari passu to
Buyer&#8217;s subordinated debt obligations issued and outstanding from time to time. The Parties shall cooperate in good faith to execute,
deliver and obtain any documents or consents deemed necessary by the Parties, in consultation with counsel, to effectuate the assumption
in accordance with the requirements of the GSB Debentures and Buyer&#8217;s existing debt instruments, including, but not limited to,
any trustee and holder notifications or consents that must be delivered or obtained, as applicable, prior to or in connection with the
assumption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;8<BR>
CONDITIONS PRECEDENT TO OBLIGATIONS TO CONSUMMATE</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>8.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conditions
to Obligations of Each Party.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The respective obligations of each Party to perform
this Agreement and consummate the Merger and the other transactions contemplated hereby are subject to the satisfaction of the following
conditions, unless waived by both Parties pursuant to Section&nbsp;10.6:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder
Approval</U>. The shareholders of GSB shall have approved this Agreement, and the consummation of the transactions contemplated hereby,
including the Merger, by the Requisite GSB Shareholder Approval, as and to the extent required by Law and by the provisions of their respective
articles of incorporation and bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Approvals</U>. All Consents of, filings and registrations with, and notifications to, all Regulatory Authorities required for consummation
of the Merger shall have been obtained or made and shall be in full force and effect and all waiting periods required by Law shall have
expired. No Consent obtained from any Regulatory Authority which is necessary to consummate the transactions contemplated hereby shall
be conditioned or restricted in a manner (including requirements relating to the raising of additional capital or the disposition of Assets)
which in the reasonable judgment of the board of directors of Buyer would so materially adversely affect the economic or business benefits
of the transactions contemplated by this Agreement that, had such condition or requirement been known, Buyer would not, in its reasonable
judgment, have entered into this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consents
and Approvals</U>. Each Party shall have obtained any and all Consents required for consummation of the Merger (other than those referred
to in Section&nbsp;8.1(b)) or for the preventing of any Default under any Contract or Permit of such Party which, if not obtained or made,
would be reasonably likely to have, individually or in the aggregate, a GSB Material Adverse Effect or a Buyer Material Adverse Effect,
as applicable. GSB shall have obtained the Consents listed in Section&nbsp;8.1(c)&nbsp;of the GSB Disclosure Memorandum, including Consents
from the lessors of each office leased by GSB, if any is required. No Consent so obtained which is necessary to consummate the transactions
contemplated hereby shall be conditioned or restricted in a manner which in the reasonable judgment of the board of directors of Buyer
would so materially adversely affect the economic or business benefits of the transactions contemplated by this Agreement that, had such
condition or requirement been known, Buyer would not, in its reasonable judgment, have entered into this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Registration
Statement</U>. The Registration Statement shall have been declared effective by the SEC and no proceedings shall be pending or threatened
by the SEC to suspend the effectiveness of the Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Legal
Proceedings</U>. No Governmental Authority of competent jurisdiction shall have enacted, issued, promulgated, enforced, or entered any
Law or Order (whether temporary, preliminary or permanent) or taken any other action which prohibits, restricts, or makes illegal consummation
of the transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exchange
Listing</U>. Buyer shall have filed with The Nasdaq Stock Market a notification form for the listing of all shares of Buyer Common Stock
to be delivered as Merger Consideration, and The Nasdaq Stock Market shall not have objected to the listing of such shares of Buyer Common
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Opinion</U>. Buyer and GSB shall have received the opinion of Buyer&#8217;s legal counsel or tax accounting firm, as determined by Buyer,
dated as of the Closing Date, in form and substance customary in transactions of the type contemplated hereby, substantially to the effect
that on the basis of the facts, representations, and assumptions set forth in such opinion, which are consistent with the state of facts
existing at the Effective Time, (i)&nbsp;the Merger will be treated for federal income Tax purposes as a reorganization within the meaning
of Section&nbsp;368(a)&nbsp;of the Code, and (ii)&nbsp;Buyer and GSB will each be a party to that reorganization within the meaning of
Section&nbsp;368(b)&nbsp;of the Code. Such opinion may be based on, in addition to the review of such matters of fact and Law as the opinion
given considers appropriate, representations contained in certificates of officers of Buyer and GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>8.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conditions
to Obligations of Buyer.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The obligations of Buyer to
perform this Agreement and consummate the Merger and the other transactions contemplated hereby are subject to the satisfaction of the
following conditions, unless waived by Buyer pursuant to Section&nbsp;10.6(a):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties</U>. For purposes of this Section&nbsp;8.2(a), the accuracy of the representations and warranties of GSB set forth in this
Agreement shall be assessed as of the date of this Agreement and as of the Effective Time with the same effect as though all such representations
and warranties had been made on and as of the Effective Time (<I>provided</I>, <I>that </I>representations and warranties which are confined
to a specified date shall speak only as of such date). The representations and warranties set forth in Sections 4.1, 4.2(a), 4.2(b)(i),
4.3, and 4.24 shall be true and correct (except for inaccuracies which are <I>de minimis</I> in amount or effect). There shall not exist
inaccuracies in the representations and warranties of GSB set forth in this Agreement (including the representations and warranties set
forth in Sections 4.1, 4.2(a), 4.2(b)(i), 4.3, and 4.24) such that the aggregate effect of such inaccuracies has, or is reasonably likely
to have, a GSB Material Adverse Effect; <I>provided</I>, <I>that</I> for purposes of this sentence only, those representations and warranties
which are qualified by references to &#8220;material&#8221; or &#8220;Material Adverse Effect&#8221; or to the &#8220;Knowledge&#8221;
of any Person shall be deemed not to include such qualifications.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Performance
of Agreements and Covenants</U>. Each and all of the agreements and covenants of GSB to be performed and complied with pursuant to this
Agreement and the other agreements contemplated hereby prior to the Effective Time shall have been duly performed and complied with in
all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Officers&#8217;
Certificate</U>. GSB shall have delivered to Buyer (i)&nbsp;a certificate, dated as of the Closing Date and signed on its behalf by its
chief executive officer and its chief financial officer, to the effect that the conditions set forth in Section&nbsp;8.1 as it relates
to GSB and in Sections 8.2(a), 8.2(b), 8.2(e), and 8.2(g), have been satisfied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Secretary&#8217;s
Certificate</U>. GSB shall have delivered a certificate of the secretary of GSB and Bank, dated as of the Closing Date, certifying as
to (i)&nbsp;the incumbency of officers of GSB and Bank executing documents executed and delivered in connection herewith, (ii)&nbsp;a
copy of the articles of incorporation of GSB as in effect from the date of this Agreement until the Closing Date, (iii)&nbsp;a copy of
the bylaws of GSB as in effect from the date of this Agreement until the Closing Date, (iv)&nbsp;a copy of the resolutions duly adopted
by GSB&#8217;s board of directors authorizing and approving the applicable matters contemplated hereunder, (v)&nbsp;a certificate of the
Federal Reserve, if available, certifying that GSB is a registered bank holding company, (vi)&nbsp;a copy of the articles of incorporation
of Bank as in effect from the date of this Agreement until the Closing Date, (vii)&nbsp;a copy of the bylaws of Bank as in effect from
the date of this Agreement until the Closing Date, (viii)&nbsp;a certificate of the South Carolina Commissioner of Banking as to the good
standing of Bank, and (ix)&nbsp;a certificate of the FDIC certifying that Bank is an insured depository institution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Material Adverse Effect</U>. There shall not have occurred any GSB Material Adverse Effect from December&nbsp;31, 2021 to the Effective
Time with respect to GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payments</U>.
None of the GSB Entities shall have made any payments or provided any benefits, or is obligated to make any payments or provide any benefits,
in connection with any or all of which (i)&nbsp;a deduction could or would be disallowed or limited under Sections 280G, 404, or 162(m)&nbsp;of
the Code, or (ii)&nbsp;could or would be subject to withholding or give rise to taxation under Section&nbsp;4999 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Bank
Merger</U>. The Parties shall stand ready to consummate the Bank Merger immediately after the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Support
Agreements</U>. Each executive officer and director of GSB shall have executed and delivered to Buyer a Support Agreement in the form
attached hereto as <U>Exhibit&nbsp;B</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dissenters&#8217;
Rights</U>. &nbsp;Immediately prior to the Closing, not more than fifteen percent (15%) of GSB Stock shall
be held by Persons who either have exercised, or are then entitled to exercise, Dissenter&#8217;s Rights under South Carolina law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>8.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conditions
to Obligations of GSB.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The obligations of GSB to
perform this Agreement and consummate the Merger and the other transactions contemplated hereby are subject to the satisfaction of the
following conditions, unless waived by GSB pursuant to Section&nbsp;10.6(b):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties</U>. For purposes of this Section&nbsp;8.3(a), the accuracy of the representations and warranties of Buyer set forth in
this Agreement shall be assessed as of the date of this Agreement and as of the Effective Time with the same effect as though all such
representations and warranties had been made on and as of the Effective Time (provided that representations and warranties which are confined
to a specified date shall speak only as of such date). The representations and warranties set forth in Sections 5.1, 5.2(a), 5.2(b)(i),
and 5.11 shall be true and correct (except for inaccuracies which are <I>de minimis</I> in amount or effect). There shall not exist inaccuracies
in the representations and warranties of Buyer set forth in this Agreement (including the representations and warranties set forth in
Sections 5.1, 5.2(a), 5.2(b)(i), 5.4, and 5.11) such that the aggregate effect of such inaccuracies has, or is reasonably likely to have,
a Buyer Material Adverse Effect; <I>provided</I>, <I>that</I> for purposes of this sentence only, those representations and warranties
which are qualified by references to &#8220;material&#8221; or &#8220;Material Adverse Effect&#8221; or to the &#8220;Knowledge&#8221;
of any Person shall be deemed not to include such qualifications.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Performance
of Agreements and Covenants</U>. Each and all of the agreements and covenants of Buyer and Buyer Bank to be performed and complied with
pursuant to this Agreement and the other agreements contemplated hereby prior to the Effective Time shall have been duly performed and
complied with in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Officers&#8217;
Certificate</U>. Buyer shall have delivered to GSB a certificate, dated as of the Closing Date and signed on its behalf by its chief executive
officer and its chief financial officer, to the effect that the conditions set forth in Section&nbsp;8.1 as it relates to Buyer and in
Sections 8.3(a), 8.3(b), and 8.3(f)&nbsp;have been satisfied.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Secretary&#8217;s
Certificate</U>. Buyer and Buyer Bank shall have delivered a certificate of the secretary of Buyer and Buyer Bank, dated as of the Closing
Date, certifying as to (i)&nbsp;the incumbency of officers of Buyer and Buyer Bank executing documents executed and delivered in connection
herewith, (ii)&nbsp;a copy of the articles of incorporation of Buyer as in effect from the date of this Agreement until the Closing Date,
along with a certificate of the Secretary of State of the State of North Carolina as to the good standing of Buyer; (iii)&nbsp;a copy
of the bylaws of Buyer as in effect from the date of this Agreement until the Closing Date, (iv)&nbsp;a copy of the resolutions of Buyer&#8217;s
board of directors authorizing and approving the applicable matters contemplated hereunder, (v)&nbsp;a certificate of the Federal Reserve,
if available, certifying that Buyer is a registered bank holding company, (vi)&nbsp;a copy of the articles of incorporation of Buyer Bank
as in effect from the date of this Agreement until the Closing Date, (vii)&nbsp;a copy of the bylaws of Buyer Bank as in effect from the
date of this Agreement until the Closing Date, (viii)&nbsp;a certificate of the North Carolina Commissioner of Banks as to the good standing
of Buyer Bank, and (ix)&nbsp;certificate of the FDIC certifying that Buyer Bank is an insured depository institution.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
of Merger Consideration</U>. Buyer shall pay the Merger Consideration as provided by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Material Adverse Effect. </U>There shall not have occurred any Buyer Material Adverse Effect from December&nbsp;31, 2021 to the Effective
Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;9<BR>
TERMINATION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>9.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Termination.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Notwithstanding any other
provision of this Agreement, and notwithstanding the approval of this Agreement by the shareholders of GSB, this Agreement may be terminated
and the Merger abandoned at any time prior to the Effective Time:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
mutual written agreement of Buyer and GSB; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
Buyer or GSB (<I>provided</I>, that the terminating Party is not then in material breach of any representation, warranty, covenant, or
other agreement contained in this Agreement) in the event of a breach by the other Party of any representation or warranty contained in
this Agreement which cannot be or has not been cured within 30 days after the giving of written notice to the breaching Party of such
breach and which breach is reasonably likely, in the opinion of the non-breaching Party, to permit such Party to refuse to consummate
the transactions contemplated by this Agreement pursuant to the standard set forth in Section&nbsp;8.2 or 8.3, as applicable; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
Buyer or GSB in the event (i)&nbsp;any Consent of any Regulatory Authority required for consummation of the Merger and the other transactions
contemplated hereby shall have been denied by final nonappealable action of such authority or if any action taken by such authority is
not appealed within the time limit for appeal, (ii)&nbsp;any Regulatory Authority whose approval is required for the consummation of the
Merger and the other transactions contemplated by this Agreement shall have requested or directed Buyer or GSB in writing to withdraw
its application for approval of the Merger, (iii)&nbsp;any Law or Order permanently restraining, enjoining or otherwise prohibiting the
consummation of the Merger shall have become final and non-appealable, or (iv)&nbsp;the Requisite GSB Shareholder Approval is not obtained
at GSB&#8217;s Shareholders&#8217; Meeting where such matters were presented to such shareholders for approval and voted upon; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
Buyer or GSB in the event that the Merger shall not have been consummated by May&nbsp;30, 2023, if the failure to consummate the transactions
contemplated hereby on or before such date is not caused by any breach of this Agreement by the Party electing to terminate pursuant to
this Section&nbsp;9.1; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
Buyer (<I>provided</I>, that Buyer is not then in material breach of any representation, warranty, covenant, or other agreement contained
in this Agreement) in the event that (i)&nbsp;the GSB board of directors shall have made an Adverse Recommendation Change; (ii)&nbsp;GSB&#8217;s
board of directors shall have failed to reaffirm the GSB Recommendation within 10 business days after Buyer requests such at any time
following the public announcement of an Acquisition Proposal, or (iii)&nbsp;GSB shall have failed to comply in all material respects with
its obligations under Section&nbsp;7.1 or 7.3; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
GSB, prior to the Requisite GSB Shareholder Approval (and provided that GSB has complied in all material respects with Section&nbsp;7.1
(including the provisions of Section&nbsp;7.1(b)&nbsp;regarding the requirements for making an Adverse Recommendation Change)) and Section&nbsp;7.3,
in order to enter into a Superior Proposal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>9.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effect
of Termination.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In the event of the termination
and abandonment of this Agreement by either Buyer or GSB pursuant to Section&nbsp;9.1, this Agreement shall become void and have no effect,
except that (i)&nbsp;the provisions of Sections 7.6(b), 9.2, 9.3, 10.2, 10.3, and 10.9 shall survive any such termination and abandonment,
and (ii)&nbsp;no such termination shall relieve the breaching Party from Liability resulting from any breach by that Party of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>9.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Termination
Fee.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
Buyer terminates this Agreement pursuant to Section&nbsp;9.1(e)&nbsp;of this Agreement or GSB terminates this Agreement pursuant to Section&nbsp;9.1(f)&nbsp;of
this Agreement, then GSB shall, on the date of termination, pay to Buyer the sum of $7.2 million (the &#8220;<U>Termination Fee</U>&#8221;).
The Termination Fee shall be paid to Buyer in same day funds. GSB hereby waives any right to set-off or counterclaim against such amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that (i)&nbsp;an Acquisition Proposal with respect to GSB shall have been communicated to or otherwise made known to the shareholders,
senior management, or board of directors of GSB, or any Person shall have publicly announced an intention (whether or not conditional)
to make an Acquisition Proposal with respect to GSB after the date of this Agreement, (ii)&nbsp;thereafter this Agreement is terminated
(A)&nbsp;by GSB or Buyer pursuant to Section&nbsp;9.1(d)&nbsp;(only if the Requisite GSB Shareholder Approval has not theretofore been
obtained), (B)&nbsp;by Buyer pursuant to Section&nbsp;9.1(e), or (C)&nbsp;by GSB or Buyer pursuant to Section&nbsp;9.1(c)(iv), and (iii)&nbsp;prior
to the date that is 12 months after the date of such termination, GSB consummates an Acquisition Transaction or enters into an Acquisition
Agreement, then GSB shall on the earlier of the date an Acquisition Transaction is consummated or any such Acquisition Agreement is entered
into, as applicable, pay Buyer a fee equal to the Termination Fee in same day funds. For the avoidance of doubt, Buyer shall be entitled
to no more than one Termination Fee. GSB hereby waives any right to set-off or counterclaim against such amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Parties acknowledge that the agreements contained in this Article&nbsp;9 are an integral part of the transactions contemplated by this
Agreement, and that without these agreements, they would not enter into this Agreement; accordingly, if GSB fails to pay promptly any
fee payable by it pursuant to this Section&nbsp;9.3, then GSB shall pay to Buyer its reasonable costs and expenses (including reasonable
attorneys&#8217; fees) in connection with collecting such Termination Fee, together with interest on the amount of the fee at the prime
annual rate of interest (as published in <I>The Wall Street Journal</I>) plus 2% as the same is in effect from time to time from the date
such payment was due under this Agreement until the date of payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>9.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-Survival
of Representations and Covenants.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except for Article&nbsp;3
(Manner of Converting Shares), Sections 7.9 (Employee Benefits and Contracts), 7.11 (Section&nbsp;16 Matters), 7.12 (Indemnification),
7.13 (Tax Covenants of Buyer), this Article&nbsp;9 (Termination) and Article&nbsp;10 (Miscellaneous), the respective representations,
warranties, obligations, covenants, and agreements of the Parties shall not survive the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;10<BR>
MISCELLANEOUS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Definitions.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise provided herein, the capitalized terms set forth below shall have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt"><B>&#8220;Acquisition
Agreement&#8221;</B></FONT> shall have the meaning set forth in Section&nbsp;7.3(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Acquisition
Proposal&#8221;</B></FONT> means any proposal (whether communicated to GSB or publicly announced to GSB&#8217;s shareholders) by any Person
(other than Buyer or any of its Affiliates) for an Acquisition Transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Acquisition
Transaction&#8221;</B></FONT> means any transaction or series of related transactions (other than the transactions contemplated by this
Agreement) involving: (i)&nbsp;any acquisition or purchase from GSB by any Person or Group (other than Buyer or any of its Affiliates)
of 25% or more in interest of the total outstanding voting securities of GSB, or any tender offer or exchange offer that if consummated
would result in any Person or Group (other than Buyer or any of its Affiliates) beneficially owning 25% or more in interest of the total
outstanding voting securities of GSB, or any merger, consolidation, business combination or similar transaction involving GSB pursuant
to which the shareholders of GSB immediately preceding such transaction hold less than 75% of the equity interests in the surviving or
resulting entity (which includes the parent corporation of any constituent corporation to any such transaction) of such transaction; (ii)&nbsp;any
sale or lease (other than in the ordinary course of business), or exchange, transfer, license (other than in the ordinary course of business),
acquisition or disposition of 25% or more of the consolidated Assets of GSB and its Subsidiaries, taken as a whole; or (iii)&nbsp;any
liquidation or dissolution of GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Adverse
Recommendation Change&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;7.1(b)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Affiliate&#8221;</B></FONT>
of a Person means: (i)&nbsp;any other Person directly, or indirectly through one or more intermediaries, controlling, controlled by or
under common control with such Person; (ii)&nbsp;any officer, director, partner, employer, or direct or indirect beneficial owner of any
10% or greater equity or voting interest of such Person; or (iii)&nbsp;any other Person for which a Person described in clause (ii)&nbsp;acts
in any such capacity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Agreement&#8221;</B></FONT>
shall have the meaning as set forth in the introduction of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Articles
of Merger&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;1.3 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;As-Converted
Exercise Price&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;3.4(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Assets&#8221;</B></FONT>
of a Person means all of the assets, properties, businesses and Rights of such Person of every kind, nature, character and description,
whether real, personal or mixed, tangible or intangible, accrued or contingent, or otherwise relating to or utilized in such Person&#8217;s
business, directly or indirectly, in whole or in part, whether or not carried on the books and records of such Person, and whether or
not owned in the name of such Person or any Affiliate of such Person and wherever located.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Bank&#8221;</B></FONT>
shall have the meaning as set forth in Section&nbsp;1.5 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Bank
Merger&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;1.5 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;BHCA&#8221;</B></FONT>
shall have the meaning as set forth in Section&nbsp;4.1 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer&#8221;</B></FONT>
shall have the meaning as set forth in the introduction of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Bank&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;1.5 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Common Stock&#8221;</B></FONT> means the common stock, no par value per share, of Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Disclosure Memorandum&#8221;</B></FONT> means the written information entitled &#8220;First Bancorp Disclosure Memorandum&#8221; delivered
with this Agreement to GSB and attached hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Entities&#8221;</B></FONT> means, collectively, Buyer and all Buyer Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
ERISA Plan&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;5.11(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Exchange Act Reports&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;5.5(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Financial Advisor&#8221; </B></FONT>means Keefe, Bruyette&nbsp;&amp; Woods,&nbsp;Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Financial Statements&#8221;</B></FONT> means (i)&nbsp;the consolidated balance sheets of Buyer as of December&nbsp;31, 2021 and 2020,
and the related statements of income, changes in shareholders&#8217; equity, and cash flows (including related notes and schedules, if
any) for the three fiscal years ended December&nbsp;31, 2021, 2020 and 2019 as filed by Buyer in Exchange Act Documents, and (ii)&nbsp;the
consolidated balance sheets of Buyer (including related notes and schedules, if any) and related statements of income, changes in shareholders&#8217;
equity, and cash flows (including related notes and schedules, if any) included in Exchange Act Documents, as amended, filed with respect
to periods ended subsequent to December&nbsp;31, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Material Adverse Effect&#8221;</B></FONT> means an event, change or occurrence which, individually or together with any other event, change
or occurrence, has had or is reasonably expected to have a material adverse effect on (i)&nbsp;the financial position, property, business,
assets or results of operations of Buyer and its Subsidiaries, taken as a whole, or (ii)&nbsp;the ability of Buyer to perform its material
obligations under this Agreement or to consummate the Merger or the other transactions contemplated by this Agreement, <I>provided</I>,
that &#8220;Buyer Material Adverse Effect&#8221; shall not be deemed to include the effects of (A)&nbsp;changes in banking and other Laws
of general applicability or interpretations thereof by Governmental Authorities, (B)&nbsp;changes in SEC, GAAP or regulatory accounting
principles generally applicable to banks and their holding companies, (C)&nbsp;actions and omissions of Buyer (or any of its Subsidiaries)
taken with the prior written Consent of GSB in contemplation of the transactions contemplated hereby, (D)&nbsp;changes in economic conditions
affecting financial institutions generally, including changes in interest rates, credit availability and liquidity, and price levels or
trading volumes in securities markets, except to the extent the Buyer is materially and adversely affected in a disproportionate manner
as compared to other comparable participants in the banking industry, (E)&nbsp;changes resulting from the announcement or pendency of
the transactions contemplated by this Agreement, or (F)&nbsp;the direct effects of compliance with this Agreement on the operating performance
of Buyer. &#8220;Buyer Material Adverse Effect&#8221; shall not be deemed to include any failure to meet analyst projections, in and of
itself, or, in and of itself, or the trading price of the Buyer Common Stock (it being understood that the facts or occurrences giving
rise or contributing to any such effect, change or development which affects or otherwise relates to the failure to meet analyst financial
forecasts or the trading price, as the case may be, may be deemed to constitute, or be taken into account in determining whether there
has been, or would reasonably be expected to be, a Buyer Material Adverse Effect).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Regulatory Agreement&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;5.12 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer
Subsidiaries&#8221;</B></FONT> means the Subsidiaries of Buyer, which shall include any corporation, bank, savings association, limited
liability company, limited partnership, limited liability partnership or other organization acquired as a Subsidiary of Buyer in the future
and held as a Subsidiary by Buyer at the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Buyer&#8217;s
Security Program&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;7.6(e)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;CERCLA&#8221;
</B></FONT>shall have the meaning as set forth under the definition of &#8220;Environmental Laws&#8221; in this Section&nbsp;10.1(a)&nbsp;of
the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Certificates&#8221;</B></FONT>
shall have the meaning as set forth in Section&nbsp;3.1(b)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Change
in Control Benefit&#8221;</B></FONT> shall have the meaning set forth in Section&nbsp;4.15(k)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B>Closing&#8221;</B>
shall have the meaning as set forth in Section&nbsp;1.2 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B>Closing Date&#8221;</B>
means the date on which the Closing occurs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Code&#8221;
</B></FONT>shall have the meaning as set forth in Section&nbsp;1.6 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Confidential
Information&#8221;</B></FONT> shall have the meaning set forth in Section&nbsp;7.6(b)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Consent&#8221;</B></FONT>
means any consent, approval, authorization, clearance, exemption, waiver, or similar affirmation by any Person pursuant to any Contract,
Law, Order, or Permit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Continuing
Employee&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;7.9(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Contract&#8221;</B></FONT>
means any written agreement, arrangement, authorization, commitment, contract, indenture, instrument, lease, license, obligation, plan,
practice, restriction, understanding, or undertaking of any kind or character, or other document to which any Person is a party that is
binding on any Person or its capital stock, Assets or business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Data
Incident&#8221; </B></FONT>means any actual or reasonably suspected unauthorized access to or acquisition, disclosure, use, or loss of
IIPI or any GSB Entity&#8217;s Confidential Information disclosed to any Buyer Entity in connection with this Agreement (including hard
copies) or breach or compromise of Buyer&#8217;s Security Program that presents a viable threat to any such IIPI or any GSB Entity&#8217;s
systems or Confidential Information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Default&#8221;</B></FONT>
means (i)&nbsp;any breach or violation of, default under, contravention of, or conflict with, any Contract, Law, Order, or Permit, (ii)&nbsp;any
occurrence of any event that with the passage of time or the giving of notice or both would constitute a breach or violation of, default
under, contravention of, or conflict with, any Contract, Law, Order, or Permit, or (iii)&nbsp;any occurrence of any event that with or
without the passage of time or the giving of notice would give rise to a right of any Person to exercise any remedy or obtain any relief
under, terminate or revoke, suspend, cancel, or modify or change the current terms of, or renegotiate, or to accelerate the maturity or
performance of, or to increase or impose any Liability under, any Contract, Law, Order, or Permit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Dissenter&#8217;s
Rights&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;3.7 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;DOL&#8221;</B></FONT>
shall have the meaning as set forth in Section&nbsp;4.15(b)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Effective
Time&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;1.3 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Employee
Benefit Plan&#8221;</B></FONT> means each pension, retirement, profit-sharing, deferred compensation, stock option, equity incentive,
employee stock ownership, share purchase, severance pay, vacation, bonus, retention, change in control or other incentive plan, bank owned
life insurance, split dollar or similar arrangements, medical, vision, dental or other health plan, any life insurance plan, flexible
spending account, cafeteria plan, vacation, holiday, disability or any other employee benefit plan or fringe benefit plan, including any
 &#8220;employee benefit plan,&#8221; as that term is defined in Section&nbsp;3(3)&nbsp;of ERISA and any other plan, fund, policy, program,
practice, custom understanding or arrangement providing compensation or other benefits, whether or not such Employee Benefit Plan is or
is intended to be (i)&nbsp;covered or qualified under the Code, ERISA or any other applicable Law, (ii)&nbsp;written or oral, (iii)&nbsp;funded
or unfunded, (iv)&nbsp;actual or contingent or (v)&nbsp;arrived at through collective bargaining or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Environmental
Laws&#8221;</B></FONT> shall mean all Laws relating to pollution or protection of human health or the environment (including ambient air,
surface water, ground water, land surface or subsurface strata) and which are administered, interpreted or enforced by the United States
Environmental Protection Agency or state or local Governmental Authorities with jurisdiction over, and including common law in respect
of, pollution or protection of the environment, including: (i)&nbsp;the Comprehensive Environmental Response Compensation and Liability
Act, 42 U.S.C. &sect;&sect;9601 et seq. (&#8220;<U>CERCLA</U>&#8221;); (ii)&nbsp;the Solid Waste Disposal Act, as amended by the Resource
Conservation and Recovery Act, 42 U.S.C. &sect;&sect;6901 et seq. (&#8220;<U>RCRA</U>&#8221;); (iii)&nbsp;the Emergency Planning and Community
Right to Know Act (42 U.S.C. &sect;&sect;11001 et seq.); (iv)&nbsp;the Clean Air Act (42 U.S.C. &sect;&sect;7401 et seq.); (v)&nbsp;the
Clean Water Act (33 U.S.C. &sect;&sect;1251 et seq.); (vi)&nbsp;the Toxic Substances Control Act (15 U.S.C. &sect;&sect;2601 et seq.);
(vii)&nbsp;any state, county, municipal or local statutes, laws or ordinances similar or analogous to the federal statutes listed in parts
(i)&nbsp;- (vi)&nbsp;of this subparagraph; (viii)&nbsp;any amendments to the statutes, laws or ordinances listed in parts (i)&nbsp;- (vi)&nbsp;of
this subparagraph in existence on the date hereof, (ix)&nbsp;any rules, regulations, guidelines, directives, orders or the like adopted
pursuant to or implementing the statutes, laws, ordinances and amendments listed in parts (i)&nbsp;- (vii)&nbsp;of this subparagraph;
and (x)&nbsp;any other Law, statute, ordinance, amendment, rule, regulation, guideline, directive, Order or the like now relating to environmental,
health or safety matters and other Laws relating to emissions, discharges, releases, or threatened releases of any Hazardous Material,
or otherwise relating to the manufacture, processing, distribution, use, treatment, storage, disposal, transport, or handling of any Hazardous
Material.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;ERISA&#8221;</B></FONT>
means the Employee Retirement Income Security Act of 1974, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;ERISA
Affiliate&#8221;</B></FONT> means any trade or business, whether or not incorporated, which together with a GSB Entity would be treated
as a single employer under Code Section&nbsp;414(b), (c), (m), or (o).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Exchange
Act&#8221;</B></FONT> means the Securities Exchange Act of 1934, and the rules&nbsp;and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Exchange
Act Documents&#8221;</B></FONT> means all forms, proxy statements, registration statements, reports, schedules, and other documents, including
all certifications and statements required by the Exchange Act or Section&nbsp;906 of the Sarbanes-Oxley Act with respect to any report
that is an Exchange Act Document, filed, or required to be filed, by a Party or any of its Subsidiaries with any Regulatory Authority
pursuant to the Securities Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Exchange
Agent&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;3.2(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Exchange
Fund&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;3.2(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Exchange
Ratio&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;3.1(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Extinguished
Shares&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;3.1(d)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B>FDIC</B>&#8221;
shall mean the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Federal
Reserve</B></FONT>&#8221; shall mean the Board of Governors of the Federal Reserve System and the Federal Reserve Bank of Richmond.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GAAP&#8221;</B></FONT>
shall mean generally accepted accounting principles in the United States, consistently applied during the periods involved.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Governmental
Authority&#8221;</B></FONT> shall mean any federal, state, local, foreign, or other court, board, body, commission, agency, authority
or instrumentality, arbitral authority, self-regulatory authority, mediator, tribunal, including Regulatory Authorities and Taxing Authorities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Gross-Up
Payment&#8221;</B></FONT> shall have the meaning set forth in Section&nbsp;4.15(k)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Group&#8221;</B></FONT>
shall have the meaning as set forth in Section&nbsp;13(d)&nbsp;of the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB&#8221;
</B></FONT>shall have the meaning as set forth in the introduction of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Benefit Plan(s)&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.15(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Common Stock&#8221;</B></FONT> means the common stock, no par value per share, of GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Contracts&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.16(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B>GSB Debentures</B>&#8221;
shall have the meaning as set forth in Section&nbsp;4.3(d)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Disclosure Memorandum&#8221;</B></FONT> means the written information entitled &#8220;GrandSouth Bancorporation Disclosure Memorandum&#8221;
delivered with this Agreement to Buyer and attached hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Entities&#8221;</B></FONT> means, collectively, GSB and all GSB Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
ERISA Plan&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.15(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Exchange Act Reports&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.5(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Financial Advisor&#8221;</B></FONT> means Piper Sandler&nbsp;&amp; Co.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Financial Statements&#8221;</B></FONT> means (i)&nbsp;the consolidated balance sheets of GSB as of December&nbsp;31, 2021 and 2020, and
the related statements of income, comprehensive income, changes in shareholders&#8217; equity, and cash flows (including related notes
and schedules, if any) for each of the three fiscal years ended December&nbsp;31, 2021 (as defined by GSB in Exchange Act Documents),
2020 and 2019 and (ii)&nbsp;the consolidated balance sheets of GSB (including related notes and schedules, if any) and related statements
of income, comprehensive income, changes in shareholders&#8217; equity, and cash flows (including related notes and schedules, if any)
included in Exchange Act Documents, as amended, filed with respect to periods ended subsequent to December&nbsp;31, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Leased Real Properties&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;4.10(f)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Material Adverse Effect&#8221;</B></FONT> means an event, change or occurrence which, individually or together with any other event, change
or occurrence, has had or is reasonably expected to have a material adverse effect on (i)&nbsp;the financial position, property, business,
assets or results of operations of GSB and its Subsidiaries, taken as a whole, or (ii)&nbsp;the ability of GSB to perform its material
obligations under this Agreement or to consummate the Merger or the other transactions contemplated by this Agreement, <I>provided</I>,
that &#8220;GSB Material Adverse Effect&#8221; shall not be deemed to include the effects of (A)&nbsp;changes in banking and other Laws
of general applicability or interpretations thereof by Governmental Authorities, (B)&nbsp;changes in SEC, GAAP or regulatory accounting
principles generally applicable to banks and their holding companies, (C)&nbsp;actions and omissions of GSB (or any of its Subsidiaries)
taken with the prior written Consent of Buyer in contemplation of the transactions contemplated hereby, (D)&nbsp;changes in economic conditions
affecting financial institutions generally, including changes in interest rates, credit availability and liquidity, and price levels or
trading volumes in securities markets, except to the extent the GSB is materially and adversely affected in a disproportionate manner
as compared to other comparable participants in the banking industry, (E)&nbsp;changes resulting from the announcement or pendency of
the transactions contemplated by this Agreement, or (F)&nbsp;the direct effects of compliance with this Agreement on the operating performance
of GSB. &#8220;GSB Material Adverse Effect&#8221; shall not be deemed to include any failure to meet analyst projections, in and of itself,
or, in and of itself, or the trading price of the GSB Common Stock (it being understood that the facts or occurrences giving rise or contributing
to any such effect, change or development which affects or otherwise relates to the failure to meet analyst financial forecasts or the
trading price, as the case may be, may be deemed to constitute, or be taken into account in determining whether there has been, or would
reasonably be expected to be, a GSB Material Adverse Effect).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Options&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;3.4(a)&nbsp;of the Agreement.</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B>GSB Option Plans</B>&#8221;
shall have the meaning as set forth in Section&nbsp;3.4(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Pension Plan&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.15(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Realty&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;4.10(e)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Regulatory Agreement&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.22 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Recommendation&#8221; </B></FONT>shall have the meaning as set forth in the Recitals of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Series&nbsp;A Preferred Stock&#8221;</B></FONT> means the Series&nbsp;A preferred stock, no par value per share, of GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B>GSB Stock</B>&#8221;
means the GSB Common Stock and GSB Series&nbsp;A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB
Subsidiaries&#8221;</B></FONT> means the Subsidiaries of GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB&#8217;s
D&amp;O Policy&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;7.12(b)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;GSB&#8217;s
Shareholders&#8217; Meeting&#8221;</B></FONT> means the meeting of GSB&#8217;s shareholders to be held pursuant to Section&nbsp;7.1(a),
including any adjournment or adjournments thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Hazardous
Material&#8221;</B></FONT> shall mean any chemical, substance, waste, material, pollutant, or contaminant defined as or deemed hazardous
or toxic or otherwise regulated under any Environmental Law, including RCRA hazardous wastes, CERCLA hazardous substances, and HSRA regulated
substances, pesticides and other agricultural chemicals, oil and petroleum products or byproducts and any constituents thereof, urea formaldehyde
insulation, lead in paint or drinking water, mold, asbestos, and polychlorinated biphenyls (PCBs): (i)&nbsp;any hazardous substance, hazardous
material, hazardous waste, regulated substance, or toxic substance (as those terms are defined by any applicable Environmental Laws) and
(ii)&nbsp;any chemicals, pollutants, contaminants, petroleum, petroleum products, or oil (and specifically shall include asbestos requiring
abatement, removal, or encapsulation pursuant to the requirements of Environmental Law), <I>provided</I>, notwithstanding the foregoing
or any other provision in this Agreement to the contrary, the words &#8220;Hazardous Material&#8221; shall not mean or include any such
Hazardous Material used, generated, manufactured, stored, disposed of or otherwise handled in normal quantities in the ordinary course
of business in compliance with all applicable Environmental Laws, or such that may be naturally occurring in any ambient air, surface
water, ground water, land surface or subsurface strata.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Indemnified
Party&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;7.12(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Individually
Identifiable Personal Information&#8221; or &#8220;IIPI&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.13(b)&nbsp;of
the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Intellectual
Property&#8221;</B></FONT> means copyrights, patents, trademarks, service marks, service names, trade names, domain names, together with
all goodwill associated therewith, registrations and applications therefor, technology rights and licenses, computer software (including
any source or object codes therefor or documentation relating thereto), trade secrets, franchises, know-how, inventions, and other intellectual
property rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;IRS&#8221;
</B></FONT>shall have the meaning as set forth in Section&nbsp;4.15(b)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Knowledge&#8221;</B></FONT>
as used with respect to a Person (including references to such Person being aware of a particular matter) means those facts that are known
or should reasonably have been known after due inquiry of the records and employees of such Person by the chairman, president, chief financial
officer, chief credit officer, or any senior or executive vice president of such Person without any further investigation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Law&#8221;</B></FONT>
means any code, law (including common law), ordinance, regulation, reporting or licensing requirement, rule, statute, regulation or Order
applicable to a Person or its Assets, Liabilities or business, including those promulgated, interpreted or enforced by any Regulatory
Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Liability&#8221;</B></FONT>
means any direct or indirect, primary or secondary, liability, indebtedness, obligation, penalty, cost or expense (including reasonable
attorneys&#8217; fees, 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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Lien&#8221;</B></FONT>
means any conditional sale agreement, default of title, easement, encroachment, encumbrance, hypothecation, infringement, lien, mortgage,
pledge, reservation, restriction, security interest, title retention or other security arrangement, or any adverse right or interest,
charge, or claim of any nature whatsoever of, on, or with respect to any property or any property interest, other than (i)&nbsp;Liens
for current property Taxes not yet due and payable, and (ii)&nbsp;for any depository institution, pledges to secure public deposits and
other Liens incurred in the ordinary course of the banking business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Litigation&#8221; </B></FONT>means
any action, arbitration, 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), compliance review, inspection,
hearing, administrative or other proceeding relating to or affecting a Party, its business, its Assets or Liabilities (including
Contracts related to Assets or Liabilities), or the transactions contemplated by this Agreement, but shall not include regular,
periodic examinations of depository institutions and their Affiliates by Regulatory Authorities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Material&#8221;</B></FONT>
or <B>&#8220;material&#8221;</B> for purposes of this Agreement shall be determined in light of the facts and circumstances of the matter
in question; <I>provided</I>, that any specific monetary amount stated in this Agreement shall determine materiality in that instance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Merger&#8221;</B></FONT>
shall have the meaning as set forth in the Recitals of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Merger
Consideration&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;3.1(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;NCBCA&#8221;
</B></FONT>shall have the meaning as set forth in Section&nbsp;1.1 of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Notice
of Recommendation Change&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;7.1(b)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Operating
Properties&#8221; </B></FONT>means all real property (including, without limitation, all buildings, fixtures, or other improvements located
thereon) now, hereafter or heretofore owned, leased, operated, or used by GSB or any of the GSB Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Order&#8221;</B></FONT>
means any administrative decision or award, decree, injunction, judgment, order, quasi-judicial decision or award, directive, ruling,
or writ of any Governmental Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Participation
Facilities&#8221; </B></FONT>means any facility in which GSB or any of the GSB Subsidiaries participates in the management and, where
required by the context, said term means the owner or operator of such property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-size: 10pt"><B>&#8220;Party&#8221;</B></FONT>
means GSB or Buyer, and <B>&#8220;Parties&#8221;</B> means both such Persons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-size: 10pt"><B>&#8220;Party
in Interest&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.15(f)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-size: 10pt"><B>&#8220;PBGC&#8221;
</B></FONT>shall have the meaning as set forth in Section&nbsp;4.15(b)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Permit&#8221;</B></FONT>
means any federal, state, local, and foreign Governmental Authority approval, authorization, certificate, easement, filing, franchise,
license, notice, permit, or right to which any Person is a party or that is or may be binding upon or inure to the benefit of any Person
or its securities, Assets, or business, the absence of which or a Default under would constitute a Buyer or GSB Material Adverse Effect,
as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Person&#8221;</B></FONT>
means a natural person or any legal, commercial or Governmental Authority, such as, but not limited to, a corporation, general partnership,
joint venture, limited partnership, limited liability company, limited liability partnership, trust, business association, group acting
in concert, or any person acting in a representative capacity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Proxy
Statement/Prospectus&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.2(c)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Qualified
Group&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;5.7 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;RCRA&#8221;</B></FONT>
shall have the meaning as set forth under the definition of &#8220;Environmental Laws&#8221; in this Section&nbsp;10.1(a)&nbsp;of the
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Registration
Statement&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;4.2(c)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Regulatory
Authorities&#8221;</B></FONT> means, collectively, the SEC, the Nasdaq Stock Market, FINRA, the North Carolina Commissioner of Banks,
the South Carolina Commissioner of Banking, the FDIC, the Department of Justice, and the Federal Reserve, and all other federal, state,
county, local, other Governmental Authorities, and self-regulatory authorities having jurisdiction over a Party or its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Representative&#8221;</B></FONT>
means any investment banker, financial advisor, attorney, accountant, consultant, or other representative or agent of a Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Requisite
GSB Shareholder Approval&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.2(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Retention
Plan&#8221;</B></FONT> shall have the meaning set forth in Section&nbsp;7.10(b)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Rights&#8221;</B></FONT>
shall mean all arrangements, calls, commitments, Contracts, options, rights to subscribe to, scrip, warrants, or other binding obligations
of any character whatsoever by which a Person is or may be bound to issue additional shares of its capital stock or other securities,
securities or rights convertible into or exchangeable for, shares of the capital stock or other securities of a Person or by which a Person
is or may be bound to issue additional shares of its capital stock or other Rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Sarbanes-Oxley
Act&#8221; </B></FONT>means the Sarbanes-Oxley Act of 2002, and the rules&nbsp;and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;SC
Code&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;1.1 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;SEC&#8221;
</B></FONT>means the United States Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Securities
Act&#8221;</B></FONT> means the Securities Act of 1933, and the rules&nbsp;and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Securities
Laws&#8221;</B></FONT> means the Securities Act, the Exchange Act, the Investment Company Act of 1940, the Investment Advisors Act of
1940, the Trust Indenture Act of 1939, and the rules&nbsp;and regulations of any Regulatory Authority promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Subsidiaries&#8221;</B></FONT>
means all those corporations, banks, associations, or other entities of which the entity in question either (i)&nbsp;owns or controls
50% or more of the outstanding equity securities either directly or through an unbroken chain of entities as to each of which 50% or more
of the outstanding equity securities is owned directly or indirectly by its parent (<I>provided</I>, there shall not be included any such
entity the equity securities of which are owned or controlled in a fiduciary capacity), (ii)&nbsp;in the case of partnerships, serves
as a general partner, (iii)&nbsp;in the case of a limited liability company, serves as a managing member, or (iv)&nbsp;otherwise has the
ability to elect a majority of the directors, trustees or managing members thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Superior
Proposal&#8221; </B></FONT>means any Acquisition Proposal (on its most recently amended or modified terms, if amended or modified) (i)&nbsp;involving
the acquisition of at least a majority of the outstanding equity interest in, or all or substantially all of the assets and liabilities
of, GSB Entities and (ii)&nbsp;with respect to which the board of directors of GSB (A)&nbsp;determines in good faith that such Acquisition
Proposal, if accepted, is reasonably likely to be consummated on a timely basis, taking into account all legal, financial, regulatory
and other aspects of the Acquisition Proposal and the Person or Group making the Acquisition Proposal, and (B)&nbsp;determines in its
good faith judgment (among other things, after consultation with the GSB Financial Advisor (or such other financial advisor as GSB may
use)) to be more favorable to GSB&#8217;s shareholders than the Merger taking into account all relevant factors (including whether, in
the good faith judgment of the board of directors of GSB, after consultation with the GSB Financial Advisor (or such other financial advisor
as GSB may use), the Person or Group making such Acquisition Proposal is reasonably able to finance the transaction and close it timely,
and any proposed changes to this Agreement that may be proposed by Buyer in response to such Acquisition Proposal).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Support
Agreements&#8221;</B></FONT> shall have the meaning as set forth in the Recitals of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Surviving
Corporation&#8221;</B></FONT> means Buyer as the surviving corporation resulting from the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Takeover
Laws&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;4.23 of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Tax&#8221;</B></FONT>
or <B>&#8220;Taxes&#8221;</B> means all taxes, charges, fees, levies, imposts, duties, or assessments, including income, gross receipts,
excise, employment, sales, use, transfer, recording license, payroll, franchise, severance, documentary, stamp, occupation, windfall profits,
environmental, federal highway use, commercial rent, customs duties, capital stock, paid-up capital, profits, withholding, Social Security,
single business and unemployment, disability, real property, personal property, registration, <I>ad valorem</I>, value added, alternative
or add-on minimum, estimated, or other taxes, fees, assessments or charges in the nature of a tax, imposed or required to be withheld
by any Governmental Authority (domestic or foreign), including any interest, penalties, and additions imposed thereon or with respect
thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Tax
Return&#8221;</B></FONT> means any report, return, information return, or other information supplied or required to be supplied to a Governmental
Authority in connection with Taxes, including any return of an affiliated or combined or unitary group that includes a Party or its Subsidiaries,
including any attachment or schedule thereto or amendment thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B>Tax Treatment</B>&#8221;
means the treatment of the Merger as a &#8220;reorganization&#8221; within the meaning of Section&nbsp;368(a)&nbsp;of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Taxing
Authority&#8221;</B></FONT> means the Internal Revenue Service and any other Governmental Authority responsible for the administration
of any Tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;Termination
Fee&#8221;</B></FONT> shall have the meaning as set forth in Section&nbsp;9.3(a)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&#8220;<B>Termination Notice</B>&#8221;
shall have the meaning as set forth in Section&nbsp;9.1(g)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>&#8220;WARN
Act&#8221; </B></FONT>shall have the meaning as set forth in Section&nbsp;4.14(d)&nbsp;of the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
singular term in this Agreement shall be deemed to include the plural, and any plural term the singular. Whenever the words &#8220;include,&#8221;
 &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they shall be deemed followed by the words &#8220;without
limitation&#8221;, and such terms shall not be limited by enumeration or example. Any reference contained in this Agreement to specific
statutory or regulatory provisions or to any specific governmental authority or agency shall include any successor statute or regulation
or successor governmental authority or agency, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expenses.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Each of the Parties shall
bear and pay all direct costs and expenses incurred by it or on its behalf in connection with the transactions contemplated hereunder,
including filing, registration and application fees, printing fees, and fees and expenses of its own financial or other consultants, investment
bankers, accountants, and counsel, and which in the case of GSB, shall be paid at Closing and prior to the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Brokers
and Finders.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except for the GSB
Financial Advisor as to GSB and the Buyer Financial Advisor as to Buyer, each of the Parties represents and warrants that neither it
nor any of its officers, directors, employees, or Affiliates has employed any broker or finder or incurred any Liability 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. In the event of a claim by any broker or finder based upon such broker&#8217;s
representing or being retained by or allegedly representing or being retained by GSB or by Buyer, each of GSB and Buyer, as the case
may be, agrees to indemnify and hold the other Party harmless from any Liability in respect of any such claim. GSB shall pay all
amounts due under its engagement agreement with the GSB Financial Advisor at Closing and prior to the Effective Time.
Section&nbsp;4.24 of the GSB Disclosure Memorandum includes a copy of such engagement letter and a listing of the fees expected to
be due thereunder at Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Entire
Agreement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as otherwise expressly
provided herein, this Agreement (including the documents and instruments referred to herein) constitutes the entire agreement between
the Parties with respect to the transactions contemplated hereunder and supersedes all prior arrangements or understandings with respect
thereto, written or oral. 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 other than as provided
in Section&nbsp;7.12.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendments.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">To the extent permitted by
Law, and subject to Section&nbsp;1.4, this Agreement may be amended by a subsequent writing signed by each of the Parties upon the approval
of each of the Parties, whether before or after shareholder approval of this Agreement has been obtained; <I>provided</I>, that after
any such approval by the holders of GSB Stock, there shall be made no amendment that reduces or modifies in any respect the consideration
to be received by holders of GSB Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Waivers.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to or at the Effective Time, Buyer, acting through its board of directors, chief executive officer, or other authorized officer, shall
have the right to waive any Default in the performance of any term of this Agreement by GSB, to waive or extend the time for the compliance
or fulfillment by GSB of any and all of its obligations under this Agreement, and to waive any or all of the conditions precedent to the
obligations of Buyer under this Agreement, except any condition which, if not satisfied, would result in the violation of any Law. No
such waiver shall be effective unless in writing signed by a duly authorized officer of Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to or at the Effective Time, GSB, acting through its board of directors, chief executive officer, or other authorized officer, shall have
the right to waive any Default in the performance of any term of this Agreement by Buyer, to waive or extend the time for the compliance
or fulfillment by Buyer of any and all of its obligations under this Agreement, and to waive any or all of the conditions precedent to
the obligations of GSB under this Agreement, except any condition which, if not satisfied, would result in the violation of any Law. No
such waiver shall be effective unless in writing signed by a duly authorized officer of GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
failure of any Party at any time or times to require performance of any provision hereof shall in no manner affect the right of such Party
at a later time to enforce the same or any other provision of this Agreement. No waiver of any condition or of the breach of any term
contained in this Agreement in one or more instances shall be deemed to be or construed as a further or continuing waiver of such condition
or breach or a waiver of any other condition or of the breach of any other term of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assignment.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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 operation of Law, including by merger or consolidation, or otherwise) without the prior written Consent of the other Party. Subject
to the preceding sentence, this Agreement will be binding upon, inure to the benefit of and be enforceable by the Parties and their respective
successors and assigns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notices.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">All notices or other communications
which are required or permitted hereunder shall be in writing and sufficient if delivered by hand, by facsimile transmission, properly
addressed electronic mail delivery (with confirmation of delivery receipt), by registered or certified mail (postage pre-paid), or by
courier or overnight carrier, 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 or refused:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 1in; width: 35%">Buyer: </TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; width: 65%">First Bancorp</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">300 SW Broad Street</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Southern Pines, North Carolina 28387</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Attn: Michael G. Mayer</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Email: mmayer@localfirstbank.com</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 1in">Copy to Counsel:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Brooks, Pierce, McLendon, Humphrey&nbsp;&amp; Leonard, L.L.P.</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Suite&nbsp;2000</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Renaissance Plaza</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">230 North Elm Street</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Greensboro, North Carolina 27401</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Attn: Robert A. Singer,&nbsp;Esq.</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Email: rsinger@brookspierce.com</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 1in">GSB:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">GrandSouth Bancorporation</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">381 Halton Road</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Greenville, South Carolina 29607</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Attention: Mason Y. Garrett</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Email: mason.garrett@grandsouth.com</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 1in">Copy to Counsel:</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Nelson Mullins Riley&nbsp;&amp; Scarborough LLP</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Greenville ONE</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">2 Washington Street, Suite&nbsp;4000</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Greenville, South Carolina 29601</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Attention: Benjamin A. Barnhill,&nbsp;Esq.</TD>
    </TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; text-indent: 2in; padding-left: 1in">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">Email: ben.barnhill@nelsonmullins.com</TD>
    </TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Governing
Law.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Regardless of any conflict
of law or choice of law principles that might otherwise apply, the Parties agree that this Agreement shall be governed by and construed
in all respects in accordance with the laws of the State of North Carolina.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Counterparts.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Captions;
Articles and Sections.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The captions contained in
this Agreement are for reference purposes only and are not part of this Agreement. Unless otherwise indicated, all references to particular
Articles or Sections shall mean and refer to the referenced Articles and Sections of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interpretations.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
this Agreement nor any uncertainty or ambiguity herein shall be construed or resolved against any Party, whether under any rule&nbsp;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 and shall be construed and interpreted according to the
ordinary meaning of the words used so as fairly to accomplish the purposes and intentions of all Parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
disclosure, representation, or warranty shall be required to be made (or any other action taken) pursuant to this Agreement that would
involve the disclosure of confidential supervisory information of a Governmental Authority by any Party hereto to the extent prohibited
by applicable Law, and to the extent legally permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances
in which the limitations of this sentence apply.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Enforcement
of Agreement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Parties hereto agree that
irreparable damage would occur 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 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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>10.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Severability.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Any term or provision of this
Agreement which 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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[signatures appear on next page]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>IN
WITNESS WHEREOF</B></FONT>, each of the Parties has caused this Agreement to be executed on its behalf by its duly authorized officers
as of the day and year first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">FIRST BANCORP</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 3%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 47%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Michael G. Mayer</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">President</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">GRANDSOUTH BANCORPORATION</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Mason Y. Garrett</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Chairman and Chief Executive Officer</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page&nbsp;to Agreement and Plan of
Merger and Reorganization]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT&nbsp;A</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>FORM&nbsp;OF </B></FONT><B>AGREEMENT
AND PLAN OF MERGER</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>THIS
AGREEMENT AND PLAN OF MERGER</B></FONT> (the &#8220;<U>Agreement</U>&#8221;) is made and entered into as of this 21<SUP>st</SUP> day of
June, 2022, by and between First Bank, a North Carolina bank (&#8220;<U>Buyer Bank</U>&#8221;), and GrandSouth Bank, a South Carolina
bank (the &#8220;<U>Bank</U>&#8221;, and together with Buyer Bank, the &#8220;<U>Constituent Banks</U>&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>WITNESSETH:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>WHEREAS</B></FONT>,
GrandSouth Bancorporation, a South Carolina corporation (&#8220;<U>GSB</U>&#8221;), and First Bancorp, a North Carolina corporation (&#8220;<U>Buyer</U>&#8221;),
entered into that certain Agreement and Plan of Merger and Reorganization dated as of the date hereof (the &#8220;<U>Merger Agreement</U>&#8221;),
which provides for the merger of GSB with and into Buyer (the &#8220;<U>Buyer Merger</U>&#8221;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>WHEREAS,
</B></FONT>the respective boards of directors of the Constituent Banks deem it advisable and in the best interests of each such bank and
its respective sole shareholder that Bank merge with and into Buyer Bank, with Buyer Bank being the surviving bank; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>WHEREAS</B></FONT>,
the respective boards of directors of the Constituent Banks, by resolutions duly adopted, have unanimously approved and adopted this Agreement
and directed that it be submitted to the sole shareholder of each of Bank and Buyer Bank for their approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>NOW,
THEREFORE</B></FONT>, in consideration of the above and the mutual warranties, representations, covenants, and agreements set forth herein,
and other good and valuable consideration, the receipt and sufficiency of which are acknowledged, the Constituent Banks, intending to
be legally bound, agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Merger.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Pursuant to and with the effects
provided in the applicable provisions of Chapter 53C of the North Carolina General Statutes (the &#8220;<U>North Carolina General Statutes</U>&#8221;)
and Title 34 of the South Carolina Code (&#8220;<U>S.C. Code</U>&#8221;), Bank (sometimes referred to as the &#8220;<U>Merged Bank</U>&#8221;)
shall be merged with and into Buyer Bank (the &#8220;<U>Bank Merger</U>&#8221;). Buyer Bank shall be the surviving bank (the &#8220;<U>Surviving
Bank</U>&#8221;) and shall continue under the name &#8220;First Bank.&#8221; At the Effective Time (as defined herein) of the Bank Merger,
the individual existence of the Merged Bank shall cease and terminate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Actions
to be Taken.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The acts and things required
to be done by the North Carolina General Statutes and the S.C. Code in order to make this Agreement effective, including the submission
of this Agreement to the sole shareholder of each of the Constituent Banks and the filing of the articles of merger relating hereto in
the manner provided in the North Carolina General Statutes and the S.C. Code, shall be attended to and done by the proper officers of
the Constituent Banks with the assistance of counsel as soon as practicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effective
Time.</B></P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Bank Merger shall be effective
upon the filing of the articles of merger in the manners provided in the North Carolina General Statutes and the S.C. Code (the &#8220;<U>Effective
Time</U>&#8221;). The Bank Merger shall not be effective prior to the effective time of the Buyer Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Articles
of Incorporation and Bylaws of the Surviving Bank.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
articles of incorporation of Buyer Bank, as heretofore amended, as in effect at the Effective Time shall be the articles of incorporation
of the Surviving Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Until
altered, amended or repealed as therein provided, the bylaws of Buyer Bank as in effect at the Effective Time shall be the bylaws of the
Surviving Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Directors
and Officers.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The directors and officers
of the Surviving Bank as of the Effective Time shall be the directors and officers of Buyer Bank immediately prior to the Effective Time,
and shall hold office from the Effective Time, together with such additional persons as may thereafter be appointed, until their respective
successors are duly elected or appointed and qualified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cancellation
of Shares of Merged Bank; Capital Structure of the Surviving Bank.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
the Effective Time, each share of the Merged Bank&#8217;s common stock, $2.50 par value per share (&#8220;<U>Bank Stock</U>&#8221;) outstanding
at the Effective Time shall be cancelled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
the Effective Time, each share of capital stock of the Surviving Bank issued and outstanding immediately prior to the Effective Time shall
remain outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Termination
of Separate Existence.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At the Effective Time, the
separate existence of the Merged Bank shall cease and the Surviving Bank shall possess all of the rights, privileges, immunities, powers
and franchises, as well of a public nature as of a private nature, of each of the Constituent Banks; and all property, real, personal
and mixed, and all debts due on whatever account, and all other choses in action, and all and every other interest of or belonging to
or due to each of the Constituent Banks shall be taken and deemed to be vested in the Surviving Bank without further act or deed, and
the title to any real estate or any interest therein, vested in either of the Constituent Banks shall not revert or be in any way impaired
by reason of the Bank Merger. The Surviving Bank shall thenceforth be responsible and liable for all the liabilities, obligations and
penalties of each of the Constituent Banks; and any claim existing or action or proceeding, civil or criminal, pending by or against either
of the Constituent Banks may be prosecuted as if the Bank Merger had not taken place, or the Surviving Bank may be substituted in its
place, and any judgment rendered against either of the Constituent Banks may thenceforth be enforced against the Surviving Bank; and neither
the rights of creditors nor any liens upon the property of either of the Constituent Banks shall be impaired by the Bank Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Further
Assignments.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">If at any time the Surviving
Bank shall consider or be advised that any further assignments or assurances in law or any other things are necessary or desirable to
vest in said bank, according to the terms hereof, the title to any property or rights of the Merged Bank, the proper officers and directors
of the Merged Bank shall and will execute and make all such proper assignments and assurances and do all things necessary and proper to
vest title in such property or rights in the Surviving Bank, and otherwise to carry out the purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Condition
Precedent to Consummation of the Merger.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Agreement is subject
to, and consummation of the Bank Merger is conditioned upon, the consummation of the Buyer Merger and the fulfillment as of the Effective
Time of approval of this Agreement by the affirmative vote of Buyer, as sole shareholder of Buyer Bank, and GSB, as sole shareholder of
Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Termination.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Agreement may be terminated
and the Bank Merger abandoned at any time before or after adoption of this Agreement by the directors of either of the Constituent Banks,
notwithstanding favorable action on the Bank Merger by the shareholder of the Merged Bank, but not later than the issuance of the certificate
of merger by the Secretary of State of North Carolina with respect to the Bank Merger in accordance with the provisions of the North Carolina
General Statutes, as applicable. This Agreement shall automatically be terminated upon any termination of the Merger Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Counterparts;
Title; Headings.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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. The title of this Agreement and the headings herein set out are for the convenience of reference only and shall not be deemed
a part of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendments;
Additional Agreements.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">At any time before or
after approval and adoption by the shareholder of the Bank, this Agreement may, by written instrument executed by the Constituent
Banks, be modified, amended or supplemented by additional agreements, articles or certificates as may be determined in the judgment
of the respective board of directors of the Constituent Banks to be necessary, desirable or expedient to further the purposes of
this Agreement, to clarify the intention of the Constituent Banks, to add to or modify the covenants, terms or conditions contained
herein or to effectuate or facilitate any governmental approval of the Bank Merger or this Agreement, or otherwise to effectuate or
facilitate the consummation of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[signatures appear on next page]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>IN
WITNESS WHEREOF,</B></FONT> the Constituent Banks have each caused this Agreement to be executed on their respective behalves and their
respective bank seals to be affixed hereto as of the day and year first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">FIRST BANK</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 3%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 47%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Michael G. Mayer</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Chief Executive Officer</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: bold 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">GRANDSOUTH BANK</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">James B. Schwiers</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">President</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[Signature Page&nbsp;Bank Merger Agreement]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT&nbsp;B</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM&nbsp;OF SUPPORT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">June&nbsp;21, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Bancorp</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">300 SW Broad Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Southern Pines, NC 28387</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The undersigned is a director
and/or an officer of GrandSouth Bancorporation (&#8220;GSB&#8221;) and the beneficial holder of shares of capital stock of GSB (the &#8220;GSB
Stock&#8221;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">First Bancorp (&#8220;Buyer&#8221;)
and GSB are considering the execution of an Agreement and Plan of Merger and Reorganization (the &#8220;Agreement&#8221;) contemplating
the acquisition of GSB through the merger of GSB with and into Buyer (the &#8220;Merger&#8221;). The execution of the Agreement by Buyer
is subject to the execution and delivery of this letter agreement by the undersigned.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In consideration of the substantial
expenses that Buyer will incur in connection with the transactions contemplated by the Agreement and to induce Buyer to execute the Agreement
and to proceed to incur such expenses, the undersigned agrees and undertakes, in his or her capacity as a shareholder of GSB, and not
in his or her capacity as a director or officer of GSB, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;While
this letter agreement is in effect, the undersigned shall not, directly or indirectly: (a)&nbsp;solicit, initiate, encourage, induce or
knowingly facilitate, the making, submission, or announcement of any proposal that constitutes an Acquisition Proposal (as defined in
the Agreement); (b)&nbsp;participate in any discussions (except to notify a third party of the existence of restrictions provided in Section&nbsp;7.3
of the Agreement) or negotiations regarding, or disclose or provide any nonpublic information with respect to, or knowingly take any other
action to facilitate any inquiries or the making of any proposal that constitutes an Acquisition Proposal (as defined in the Agreement);
or (c)&nbsp;propose or agree to do any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;While
this letter agreement is in effect, the undersigned shall vote all of the shares of GSB Stock for which the undersigned has sole voting
authority and shall use his or her best efforts to cause to be voted all shares of GSB Stock for which the undersigned has shared voting
authority, in each case whether such shares are beneficially owned or owned by the undersigned as the record holder (and shall include
shares held in plans for the benefit of the undersigned as to which he or she may direct the voting of such shares), but excluding shares
of GSB Stock as to which the undersigned has a fiduciary relationship, and whether such shares are beneficially owned by the undersigned
on the date of this letter agreement or are subsequently acquired: (a)&nbsp;for the approval of the Agreement and the Merger at GSB&#8217;s
Shareholders&#8217; Meeting (as defined in the Agreement); and (b)&nbsp;against any Acquisition Proposal (as defined in the Agreement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;While
this letter agreement is in effect, the undersigned shall not, directly or indirectly, except with the prior approval of Buyer, which
approval shall not be unreasonably withheld, conditioned or delayed: (a)&nbsp;sell or otherwise dispose of (other than in connection with
the payment of the exercise price of outstanding options to purchase shares of GSB Stock or in connection with satisfying tax obligations
or withholdings upon the exercise of options) encumber (other than in connection with an ordinary bank loan) prior to the record date
of GSB&#8217;s Shareholders&#8217; Meeting (as defined in the Agreement) any or all of his or her shares of GSB Stock, or (b)&nbsp;deposit
any shares of GSB Stock into a voting trust or enter into a voting agreement or arrangement with respect to any shares of GSB Stock or
grant any proxy with respect thereto, other than for the purpose of voting to approve the Agreement and the Merger and matters related
thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
undersigned hereby waives any and all rights to dissent from the Merger that the undersigned may have.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
undersigned acknowledges and agrees that any remedy at law for breach of the foregoing provisions may be inadequate and that, in addition
to any other relief which may be available, Buyer shall be entitled to seek temporary and permanent injunctive relief without having to
prove actual damages.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
foregoing restrictions shall not apply to shares with respect to which the undersigned may have voting power as a fiduciary for others.
In addition, this letter agreement shall only apply to actions taken by the undersigned in his or her capacity as a shareholder of GSB
and, if applicable, shall not in any way limit or affect actions the undersigned may take in his or her capacity as a director or officer
of GSB.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
letter agreement, and all rights and obligations of the parties hereunder, shall terminate upon the first to occur of (a)&nbsp;the Effective
Time of the Merger, (b)&nbsp;an Adverse Recommendation Change (as defined in the Merger Agreement), or (c)&nbsp;the date upon which the
Merger Agreement is terminated in accordance with its terms, in which event the provisions of this letter agreement shall terminate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of the date hereof, the undersigned has voting power (sole or shared) with respect to the number of shares of GSB Stock set forth below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[signatures appear on next page]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this letter agreement as of the date first above written.</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 50%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Very truly yours,</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Print Name</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Number of shares beneficially owned with sole
    voting authority:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.25in"><FONT STYLE="font-size: 10pt"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;shares
    of common stock</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;shares
    of preferred stock</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Number of shares beneficially owned with shared
    voting authority:</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;shares of common stock</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;shares
of preferred stock</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">Accepted and agreed to as of the date first above written:</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">FIRST BANCORP</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 50%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By: Michael G. Mayer</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Its: President</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><I>[Signature Page&nbsp;to
Support Agreement</I></FONT>]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="text-align: right; margin: 0pt"><B><A NAME="iii_008"></A>Annex B</B></P>

<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CHAPTER 13</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Dissenters' Rights</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">ARTICLE 1</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Right to Dissent and Obtain Payment for Shares</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-101.</B></FONT> Definitions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">In this chapter:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(1) &quot;Corporation&quot;
means the issuer of the shares held by a dissenter before the corporate action, or the surviving or acquiring corporation by merger or
share exchange of that issuer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(2) &quot;Dissenter&quot;
means a shareholder who is entitled to dissent from corporate action under Section 33-13-102 and who exercises that right when and in
the manner required by Sections 33-13-200 through 33-13-280.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(3) &quot;Fair value&quot;,
with respect to a dissenter's shares, means the value of the shares immediately before the effectuation of the corporate action to which
the dissenter objects, excluding any appreciation or depreciation in anticipation of the corporate action to which the dissenter objects,
excluding any appreciation or depreciation in anticipation of the corporate action unless exclusion would be inequitable. The value of
the shares is to be determined by techniques that are accepted generally in the financial community.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(4) &quot;Interest&quot; means
interest from the effective date of the corporate action until the date of payment, at the average rate currently paid by the corporation
on its principal bank loans or, if none, at a rate that is fair and equitable under all the circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(5) &quot;Record shareholder&quot;
means the person in whose name shares are registered in the records of a corporation or the beneficial owner of shares to the extent of
the rights granted by a nominee certificate on file with a corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(6) &quot;Beneficial shareholder&quot;
means the person who is a beneficial owner of shares held by a nominee as the record shareholder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(7) &quot;Shareholder&quot;
means the record shareholder or the beneficial shareholder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-102.</B></FONT> Right to dissent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(A) A shareholder is entitled
to dissent from, and obtain payment of the fair value of, his shares in the event of any of the following corporate actions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(1) consummation of a plan
of merger to which the corporation is a party (i) if shareholder approval is required for the merger by Section 33-11-103 or the articles
of incorporation and the shareholder is entitled to vote on the merger or (ii) if the corporation is a subsidiary that is merged with
its parent under Section 33-11-104 or 33-11-108 or if the corporation is a parent that is merged with its subsidiary under Section 33-11-108;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(2) consummation of a plan
of share exchange to which the corporation is a party as the corporation whose shares are to be acquired, if the shareholder is entitled
to vote on the plan;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(3) consummation of a sale
or exchange of all, or substantially all, of the property of the corporation other than in the usual and regular course of business, if
the shareholder is entitled to vote on the sale or exchange, including a sale in dissolution, but not including a sale pursuant to court
order or a sale for cash pursuant to a plan by which all or substantially all of the net proceeds of the sale must be distributed to the
shareholders within one year after the date of sale;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(4) an amendment of the articles
of incorporation that materially and adversely affects rights in respect of a dissenter's shares because it:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">(i) alters or abolishes a
preferential right of the shares;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">(ii) creates, alters, or
abolishes a right in respect of redemption, including a provision respecting a sinking fund for the redemption or repurchase, of the shares;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">(iii) alters or abolishes
a preemptive right of the holder of the shares to acquire shares or other securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">(iv) excludes or limits the
right of the shares to vote on any matter, or to cumulate votes, other than a limitation by dilution through issuance of shares or other
securities with similar voting rights; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">(v) reduces the number of
shares owned by the shareholder to a fraction of a share if the fractional share so created is to be acquired for cash under Section 33-6-104;
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(5) any corporate action to
the extent the articles of incorporation, bylaws, or a resolution of the board of directors provides that voting or nonvoting shareholders
are entitled to dissent and obtain payment for their shares;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(6) the conversion of a corporation
into a limited liability company pursuant to Section 33-11-111 or conversion of a corporation into either a general partnership or limited
partnership pursuant to Section 33-11-113;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(7) the consummation of a
plan of conversion to a limited liability company pursuant to Section 33-11-111 or to a partnership or limited partnership pursuant to
Section 33-11-113.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(B) Notwithstanding subsection
(A), no dissenters' rights under this section are available for shares of any class or series of shares which, at the record date fixed
to determine shareholders entitled to receive notice of a vote at the meeting of shareholders to act upon the agreement of merger or exchange,
were either listed on a national securities exchange or designated as a national market system security on an interdealer quotation system
by the National Association of Securities Dealers, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-103.</B></FONT> Dissent by nominees and beneficial owners.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) A record shareholder
may assert dissenters' rights as to fewer than all the shares registered in his name only if he dissents with respect to all shares beneficially
owned by any one person and notifies the corporation in writing of the name and address of each person on whose behalf he asserts dissenters'
rights. The rights of a partial dissenter under this subsection are determined as if the shares to which he dissents and his other shares
were registered in the names of different shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) A beneficial shareholder
may assert dissenters' rights as to shares held on his behalf only if he dissents with respect to all shares of which he is the beneficial
shareholder or over which he has power to direct the vote. A beneficial shareholder asserting dissenters' rights to shares held on his
behalf shall notify the corporation in writing of the name and address of the record shareholder of the shares, if known to him.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">ARTICLE 2</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Procedure for Exercise of Dissenters' Rights</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-200.</B></FONT> Notice of dissenters' rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) If proposed corporate
action creating dissenters' rights under Section 33-13-102 is submitted to a vote at a shareholders' meeting, the meeting notice must
state that shareholders are or may be entitled to assert dissenters' rights under this chapter and be accompanied by a copy of this chapter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) If corporate action creating
dissenters' rights under Section 33-13-102 is taken without a vote of shareholders, the corporation shall notify in writing all shareholders
entitled to assert dissenters' rights that the action was taken and send them the dissenters' notice described in Section 33-13-220.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-210.</B></FONT> Notice of intent to demand payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) If proposed corporate
action creating dissenters' rights under Section 33-13-102 is submitted to a vote at a shareholders' meeting, a shareholder who wishes
to assert dissenters' rights (1) must give to the corporation before the vote is taken written notice of his intent to demand payment
for his shares if the proposed action is effectuated and (2) must not vote his shares in favor of the proposed action. A vote in favor
of the proposed action cast by the holder of a proxy solicited by the corporation shall not disqualify a shareholder from demanding payment
for his shares under this chapter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) A shareholder who does
not satisfy the requirements of subsection (a) is not entitled to payment for his shares under this chapter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-220.</B></FONT> Dissenters' notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) If proposed corporate
action creating dissenters' rights under Section 33-13-102 is authorized at a shareholders' meeting, the corporation shall deliver a written
dissenters' notice to all shareholders who satisfied the requirements of Section 33-13-210(a).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) The dissenters' notice
must be delivered no later than ten days after the corporate action was taken and must:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(1) state where the payment
demand must be sent and where certificates for certificated shares must be deposited;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(2) inform holders of uncertificated
shares to what extent transfer of the shares is to be restricted after the payment demand is received;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(3) supply a form for demanding
payment that includes the date of the first announcement to news media or to shareholders of the terms of the proposed corporate action
and requires that the person asserting dissenters' rights certify whether or not he or, if he is a nominee asserting dissenters' rights
on behalf of a beneficial shareholder, the beneficial shareholder acquired beneficial ownership of the shares before that date;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(4) set a date by which the
corporation must receive the payment demand, which may not be fewer than thirty nor more than sixty days after the date the subsection
(a) notice is delivered and set a date by which certificates for certificated shares must be deposited, which may not be earlier than
twenty days after the demand date; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(5) be accompanied by a copy
of this chapter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-230.</B></FONT> Shareholders' payment demand.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) A shareholder sent a
dissenters' notice described in Section 33-13-220 must demand payment, certify whether he (or the beneficial shareholder on whose behalf
he is asserting dissenters' rights) acquired beneficial ownership of the shares before the date set forth in the dissenters' notice pursuant
to Section 33-13-220(b)(3), and deposit his certificates in accordance with the terms of the notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) The shareholder who demands
payment and deposits his share certificates under subsection (a) retains all other rights of a shareholder until these rights are canceled
or modified by the taking of the proposed corporate action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(c) A shareholder who does
not comply substantially with the requirements that he demand payment and deposit his share certificates where required, each by the date
set in the dissenters' notice, is not entitled to payment for his shares under this chapter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-240.</B></FONT> Share restrictions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) The corporation may restrict
the transfer of uncertificated shares from the date the demand for payment for them is received until the proposed corporate action is
taken or the restrictions are released under Section 33-13-260.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) The person for whom dissenters'
rights are asserted as to uncertificated shares retains all other rights of a shareholder until these rights are canceled or modified
by the taking of the proposed corporate action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-250.</B></FONT> Payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) Except as provided in
Section 33-13-270, as soon as the proposed corporate action is taken, or upon receipt of a payment demand, the corporation shall pay each
dissenter who substantially complied with Section 33-13-230 the amount the corporation estimates to be the fair value of his shares, plus
accrued interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) The payment must be accompanied
by:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(1) the corporation's balance
sheet as of the end of a fiscal year ending not more than sixteen months before the date of payment, an income statement for that year,
a statement of changes in shareholders' equity for that year, and the latest available interim financial statements, if any;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(2) a statement of the corporation's
estimate of the fair value of the shares and an explanation of how the fair value was calculated;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(3) an explanation of how
the interest was calculated;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(4) a statement of the dissenter's
right to demand additional payment under Section 33-13-280; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(5) a copy of this chapter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-260.</B></FONT> Failure to take action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) If the corporation does
not take the proposed action within sixty days after the date set for demanding payment and depositing share certificates, the corporation,
within the same sixty-day period, shall return the deposited certificates and release the transfer restrictions imposed on uncertificated
shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) If, after returning deposited
certificates and releasing transfer restrictions, the corporation takes the proposed action, it must send a new dissenters' notice under
Section 33-13-220 and repeat the payment demand procedure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-270.</B></FONT> After-acquired shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) A corporation may elect
to withhold payment required by section 33-13-250 from a dissenter as to any shares of which he (or the beneficial owner on whose behalf
he is asserting dissenters' rights) was not the beneficial owner on the date set forth in the dissenters' notice as the date of the first
announcement to news media or to shareholders of the terms of the proposed corporate action, unless the beneficial ownership of the shares
devolved upon him by operation of law from a person who was the beneficial owner on the date of the first announcement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) To the extent the corporation
elects to withhold payment under subsection (a), after taking the proposed corporate action, it shall estimate the fair value of the shares,
plus accrued interest, and shall pay this amount to each dissenter who agrees to accept it in full satisfaction of his demand. The corporation
shall send with its offer a statement of its estimate of the fair value of the shares, an explanation of how the fair value and interest
were calculated, and a statement of the dissenter's right to demand additional payment under Section 33-13-280.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-280.</B></FONT> Procedure if shareholder dissatisfied with payment or offer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) A dissenter may notify
the corporation in writing of his own estimate of the fair value of his shares and amount of interest due and demand payment of his estimate
(less any payment under Section 33-13-250) or reject the corporation's offer under Section 33-13-270 and demand payment of the fair value
of his shares and interest due, if the:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(1) dissenter believes that
the amount paid under Section 33-13-250 or offered under Section 33-13-270 is less than the fair value of his shares or that the interest
due is calculated incorrectly;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(2) corporation fails to make
payment under Section 33-13-250 or to offer payment under Section 33-13-270 within sixty days after the date set for demanding payment;
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(3) corporation, having failed
to take the proposed action, does not return the deposited certificates or release the transfer restrictions imposed on uncertificated
shares within sixty days after the date set for demanding payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) A dissenter waives his
right to demand additional payment under this section unless he notifies the corporation of his demand in writing under subsection (a)
within thirty days after the corporation made or offered payment for his shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">ARTICLE 3</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Judicial Appraisal of Shares</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-300.</B></FONT> Court action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) If a demand for additional
payment under Section 33-13-280 remains unsettled, the corporation shall commence a proceeding within sixty days after receiving the demand
for additional payment and petition the court to determine the fair value of the shares and accrued interest. If the corporation does
not commence the proceeding within the sixty-day period, it shall pay each dissenter whose demand remains unsettled the amount demanded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) The corporation shall
commence the proceeding in the circuit court of the county where the corporation's principal office (or, if none in this State, its registered
office) is located. If the corporation is a foreign corporation without a registered office in this State, it shall commence the proceeding
in the county in this State where the principal office (or, if none in this State, the registered office) of the domestic corporation
merged with or whose shares were acquired by the foreign corporation was located.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(c) The corporation shall
make all dissenters (whether or not residents of this State) whose demands remain unsettled parties to the proceeding as in an action
against their shares and all parties must be served with a copy of the petition. Nonresidents may be served by registered or certified
mail or by publication, as provided by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(d) The jurisdiction of the
court in which the proceeding is commenced under subsection (b) is plenary and exclusive. The court may appoint persons as appraisers
to receive evidence and recommend decisions on the question of fair value. The appraisers have the powers described in the order appointing
them or in any amendment to it. The dissenters are entitled to the same discovery rights as parties in other civil proceedings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(e) Each dissenter made a
party to the proceeding is entitled to judgment for the amount, if any, by which the court finds the fair value of his shares, plus interest,
exceeds the amount paid by the corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SECTION
33-13-310.</B></FONT> Court costs and counsel fees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(a) The court in an appraisal
proceeding commenced under Section 33-13-300 shall determine all costs of the proceeding, including the reasonable compensation and expenses
of appraisers appointed by the court. The court shall assess the costs against the corporation, except that the court may assess costs
against all or some of the dissenters, in amounts the court finds equitable, to the extent the court finds the dissenters acted arbitrarily,
vexatiously, or not in good faith in demanding payment under Section 33-13-280.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(b) The court also may assess
the fees and expenses of counsel and experts for the respective parties, in amounts the court finds equitable:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(1) against the corporation
and in favor of any or all dissenters if the court finds the corporation did not comply substantially with the requirements of Sections
33-13-200 through 33-13-280; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.3in">(2) against either the corporation
or a dissenter, in favor of any other party, if the court finds that the party against whom the fees and expenses are assessed acted arbitrarily,
vexatiously, or not in good faith with respect to the rights provided by this chapter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(c) If the court finds that
the services of counsel for any dissenter were of substantial benefit to other dissenters similarly situated, and that the fees for those
services should not be assessed against the corporation, the court may award to these counsel reasonable fees to be paid out of the amounts
awarded the dissenters who were benefited.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.15in">(d) In a proceeding commenced
by dissenters to enforce the liability under Section 33-13-300(a) of a corporation that has failed to commence an appraisal proceeding
within the sixty-day period, the court shall assess the costs of the proceeding and the fees and expenses of dissenters' counsel against
the corporation and in favor of the dissenters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><A NAME="iii_009"></A>Annex C</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="font-size: 10pt">
    <TD STYLE="text-align: left; vertical-align: top">&nbsp;<IMG SRC="image_001.jpg" ALT=""></TD>
    <TD STYLE="padding-right: 10pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1251
    AVENUE OF THE AMERICAS, 6<SUP>TH</SUP> FLOOR<BR>
    NEW YORK, NY 10020</FONT></TD>
    <TD STYLE="border-left: rgb(63,151,181) 1.5pt solid">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD STYLE="width: 48%">&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; width: 50%; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>P
    </B>212 466-7800 | <B>TF</B> 800 635-6851</FONT></TD>
    <TD STYLE="border-left: rgb(63,151,181) 1.5pt solid; width: 2%">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 10pt; font-size: 10pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Piper
    Sandler &amp; Co. Since 1895.<BR>
    Member SIPC and NYSE.</FONT></TD>
    <TD STYLE="border-left: rgb(63,151,181) 1.5pt solid">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; width: 50%">June 20, 2022</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Board of Directors</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">GrandSouth Bancorporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">381 Halton Road</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Greenville, SC 29607</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">GrandSouth Bancorporation
(&ldquo;<U>GSB</U>&rdquo;) and First Bancorp (&ldquo;<U>Buyer</U>&rdquo;) are proposing to enter into an Agreement and Plan of Merger
and Reorganization (the &ldquo;<U>Agreement</U>&rdquo;) pursuant to which GSB will, on the terms and subject to the conditions set forth
in the Agreement, merge with and into Buyer with Buyer as the surviving corporation (the &ldquo;<U>Merger</U>&rdquo;). As set forth in
the Agreement, at the Effective Time, each share of GSB Common Stock issued and outstanding immediately prior to the Effective Time, except
for certain shares of GSB Common Stock as specified in the Agreement, by virtue of the Merger and without any action on the part of the
holder thereof, shall be converted into and exchanged for the right to receive 0.910 (the &ldquo;<U>Exchange Ratio</U>&rdquo;) of a share
of Buyer Common Stock. Capitalized terms used herein without definition shall have the meanings ascribed thereto in the Agreement. You
have requested our opinion as to the fairness, from a financial point of view, of the Exchange Ratio to the holders of GSB Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Piper Sandler &amp; Co. (&ldquo;<U>Piper
Sandler</U>&rdquo;, &ldquo;<U>we</U>&rdquo; or &ldquo;<U>our</U>&rdquo;), as part of its investment banking business, is regularly engaged
in the valuation of financial institutions and their securities in connection with mergers and acquisitions and other corporate transactions.
In connection with this opinion, we have reviewed and considered, among other things: (i) a draft of&nbsp;the Agreement, dated June 18,
2022; (ii)&nbsp;certain publicly available financial statements and other historical financial information of GSB and its banking subsidiary,
GrandSouth Bank, that we deemed relevant; (iii) certain publicly available financial statements and other historical financial information
of Buyer that we deemed relevant; (iv) certain internal financial projections for GSB for the years ending December 31, 2022 through December
31, 2025, as provided by the senior management of GSB; (v) publicly available analyst earnings estimates for Buyer for the years ending
December 31, 2022 and December 31, 2023, as well as a long-term annual earnings growth rate for the years ending December 31, 2024 and
December 31, 2025 and estimated dividends per share for Buyer for the years ending December 31, 2022 through December 31, 2025, as provided
by the senior management of Buyer; (vi)&nbsp;the pro forma financial impact of the Merger on Buyer based on certain assumptions relating
to transaction expenses, purchase accounting adjustments and cost savings, as well as certain adjustments for current expected credit
losses (CECL) accounting standards, as provided by the senior management of Buyer; (vii) the publicly reported historical price and trading
activity for GSB Common Stock and Buyer Common Stock, including a comparison of certain stock trading information for GSB Common Stock,
Buyer Common Stock and certain stock indices, as well as similar publicly available information for certain other companies, the securities
of which are publicly traded; (viii) a comparison of certain financial and market information for GSB and Buyer with similar financial
institutions for which information is publicly available; (ix) the financial terms of certain recent business combinations in the bank
and thrift industry (on a regional and nationwide basis), to the extent publicly available; (x) the current market environment generally
and the banking environment in particular; and (xi) such other information, financial studies, analyses and investigations and financial,
economic and market criteria as we considered relevant. We also discussed with certain members of the senior management of GSB and its
representatives the business, financial condition, results of operations and prospects of GSB and held similar discussions with certain
members of the senior management of Buyer and its representatives regarding the business, financial condition, results of operations and
prospects of Buyer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In performing our review,
we have relied upon the accuracy and completeness of all of the financial and other information that was available to us from public sources,
that was provided to us by GSB, Buyer or their respective representatives, or that was otherwise reviewed by us and we have assumed such
accuracy and completeness for purposes of rendering this opinion without any independent verification or investigation. We have further
relied on the assurances of the respective senior managements of GSB and Buyer that they are not aware of any facts or circumstances that
would make any of such information inaccurate or misleading in any respect material to our analyses. We have not been asked to undertake,
and have not undertaken, an independent verification of any such information and we do not assume any responsibility or liability for
the accuracy or completeness thereof. We did not make an independent evaluation or perform an appraisal of the specific assets, the collateral
securing assets or the liabilities (contingent or otherwise) of GSB or Buyer, nor were we furnished with any such evaluations or appraisals.
We render no opinion on, or evaluation of, the collectability of any assets or the future performance of any loans of GSB or Buyer. We
did not make an independent evaluation of the adequacy of the allowance for loan losses of GSB or Buyer, or the combined entity after
the Merger, and we have not reviewed any individual credit files relating to GSB or Buyer. We have assumed, with your consent, that the
respective allowances for loan losses for both GSB and Buyer are adequate to cover such losses and will be adequate on a pro forma basis
for the combined entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In preparing its analyses,
Piper Sandler used certain internal financial projections for GSB for the years ending December 31, 2022 through December 31, 2025, as
provided by the senior management of GSB. In addition, Piper Sandler used publicly available analyst earnings estimates for Buyer for
the years ending December 31, 2022 and December 31, 2023, as well as a long-term annual earnings growth rate for the years ending December
31, 2024 and December 31, 2025 and estimated dividends per share for Buyer for the years ending December 31, 2022 through December 31,
2025, as provided by the senior management of Buyer. Piper Sandler also received and used in its pro forma analyses certain assumptions
relating to transaction expenses, purchase accounting adjustments and cost savings, as well as certain adjustments for CECL accounting
standards, as provided by the senior management of Buyer. With respect to the foregoing information, the respective senior managements
of GSB and Buyer confirmed to us that such information reflected (or in the case of the publicly available analyst estimates referred
to above, were consistent with) the best currently available projections, estimates and judgements of senior management as to the future
financial performance of GSB and Buyer, respectively, and we assumed that the financial results reflected in such information would be
achieved. We express no opinion as to such projections, estimates or judgements, or the assumptions on which they are based. We have also
assumed that there has been no material change in GSB&rsquo;s or Buyer&rsquo;s assets, financial condition, results of operations, business
or prospects since the date of the most recent financial statements made available to us. We have assumed in all respects material to
our analyses that GSB and Buyer will remain as going concerns for all periods relevant to our analyses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have also assumed, with
your consent, that (i) each of the parties to the Agreement will comply in all material respects with all material terms and conditions
of the Agreement and all related agreements required to effect the Merger, that all of the representations and warranties contained in
such agreements are true and correct in all material respects, that each of the parties to such agreements will perform in all material
respects all of the covenants and other obligations required to be performed by such party under such agreements and that the conditions
precedent in such agreements are not and will not be waived, (ii) in the course of obtaining the necessary regulatory or third party approvals,
consents and releases with respect to the Merger, no delay, limitation, restriction or condition will be imposed that would have an adverse
effect on GSB, Buyer, the Merger or any related transactions, and (iii) the Merger and any related transactions will be consummated in
accordance with the terms of the Agreement without any waiver, modification or amendment of any material term, condition or agreement
thereof and in compliance with all applicable laws and other requirements. Finally, with your consent, we have relied upon the advice
that GSB has received from its legal, accounting and tax advisors as to all legal, accounting and tax matters relating to the Merger and
the other transactions contemplated by the Agreement. We express no opinion as to any such matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our opinion is necessarily
based on financial, regulatory, economic, market and other conditions as in effect on, and the information made available to us as of,
the date hereof. Events occurring after the date hereof could materially affect this opinion. We have not undertaken to update, revise,
reaffirm or withdraw this opinion or otherwise comment upon events occurring after the date hereof. We express no opinion as to the trading
value of GSB Common Stock or Buyer Common Stock at any time or what the value of Buyer Common Stock will be once it is actually received
by the holders of GSB Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have acted as GSB&rsquo;s
financial advisor in connection with the Merger and will receive an advisory fee for our services, which fee is contingent upon consummation
of the Merger. We will also receive a fee for rendering this opinion. GSB has also agreed to indemnify us against certain claims and liabilities
arising out of our engagement and to reimburse us for certain of our out-of-pocket expenses incurred in connection with our engagement.
Piper Sandler has not provided any other investment banking services to GSB in the two years preceding the date hereof, nor has Piper
Sandler provided any investment banking services to Buyer in the two years preceding the date hereof. In the ordinary course of our business
as a broker-dealer, we may purchase securities from and sell securities to GSB and Buyer. We may also actively trade the equity and debt
securities of GSB and Buyer for our own account and for the accounts of our customers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Our opinion is directed to
the Board of Directors of GSB in connection with its consideration of the Agreement and the Merger and does not constitute a recommendation
to any shareholder of GSB as to how any such shareholder should vote at any meeting of shareholders called to consider and vote upon the
approval of the Agreement and the Merger. Our opinion is directed only as to the fairness, from a financial point of view, of the Exchange
Ratio to the holders of GSB Common Stock and does not address the underlying business decision of GSB to engage in the Merger, the form
or structure of the Merger or any other transactions contemplated in the Agreement, the relative merits of the Merger as compared to any
other alternative transactions or business strategies that might exist for GSB or the effect of any other transaction in which GSB might
engage. We also do not express any opinion as to the fairness of the amount or nature of the compensation to be received in the Merger
by any GSB officer, director or employee, or class of such persons, if any, relative to the amount of compensation to be received by any
other shareholder. This opinion has been approved by Piper Sandler&rsquo;s fairness opinion committee. This opinion may not be reproduced
without Piper Sandler&rsquo;s prior written consent; <I>provided</I>, however, Piper Sandler will provide its consent for the opinion
to be included in any regulatory filings, including the Proxy Statement/Prospectus and the Registration Statement, to be filed with the
SEC and mailed to shareholders in connection with the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Based upon and subject to
the foregoing, it is our opinion that, as of the date hereof, the Exchange Ratio is fair to the holders of GSB Common Stock from a financial
point of view.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; width: 50%">Very truly yours,</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif">/s/ Piper Sandler &amp; Co.</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4in">&nbsp;</P>

<P STYLE="margin: 0pt"></P>

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<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="text-align: right; margin: 0pt"><B><A NAME="iii_010"></A>Annex D</B></P>

<P STYLE="margin: 0pt">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: right">Execution Copy</P>

<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.25in"><B>EMPLOYMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>THIS EMPLOYMENT AGREEMENT</B>
(this &ldquo;<U>Agreement</U>&rdquo;) is made and entered as of the Effective Date by and among First Bancorp (the &ldquo;<U>Company</U>&rdquo;)
and First Bank (the &ldquo;<U>Bank</U>&rdquo; and collectively with the Company, the &ldquo;<U>Employer</U>&rdquo;) and James B. Schwiers
(&ldquo;<U>Executive</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>BACKGROUND</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the expertise and
experience of Executive and Executive&rsquo;s relationships and reputation in the financial institutions industry are extremely valuable
to the Employer; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, it is in the best
interests of the Employer to employ and retain experienced executive officers to further the Employer&rsquo;s efficient and profitable
operations in order to enhance the value of its shareholders&rsquo; investments; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Employer desires
to provide substantial benefits to Executive to which Executive would not be otherwise entitled and to obtain from Executive covenants
protecting the Employer&rsquo;s customer relationships, confidential information and trade secrets, and Executive desires to obtain such
benefits and is willing to enter into such covenants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, in consideration
of the foregoing and of the mutual covenants and agreements set forth herein, and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effective
Date</U>. The effective time and date of this Agreement shall be deemed to be the effective date and time of the Merger as set forth in
the Articles of Merger filed by the Company with the North Carolina Secretary of State (the &ldquo;<U>Effective Date</U>&rdquo;). In the
event that the Merger Agreement is terminated and the Merger shall thereby not become effective, this Agreement shall be deemed void,
have no force or effect and not be binding upon any of the Company, First Bank or Executive as of the time of the termination of the Merger
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>.
The following defined terms are defined in the referenced Sections of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; padding-left: 0.75in; width: 50%">&nbsp;&nbsp;Term</TD><TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font: bold 10pt Times New Roman, Times, Serif; width: 49%">Section</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Accrued Obligations</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 8(a)(i)(A)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;ADA Act</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Base Salary</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 6(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Bank Group</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 12(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Benefit Plans</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 6(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Business</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 12(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Cause</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;CEO</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 3</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Change of Control</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 9(b)</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left; width: 50%">&nbsp;&nbsp;Change of Control Termination</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 1%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 49%">Section 9(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Change of Control Termination Date</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 9(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;COBRA</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 8(a)(ii)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;COBRA Reimbursement</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 8(a)(ii)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Code</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(h)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Compete</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 12(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Continuing Period</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 9(c)(ii)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Commissioner</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 14(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;Confidential Information</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 15(a)(vi)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Covered Person</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 12(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Date of Termination</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(g)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Disability</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Disability Effective Date</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Dodd-Frank Act</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 15(e)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Effective Date</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 1</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Employment Period</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 4</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;FDIC</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 14(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;FRB</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 14(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Good Reason</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(d)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Group</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 9(b)(i)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Notice of Termination</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(f)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Other Benefits</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 8(b)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Person</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 9(b)(i)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Rules</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 12(e)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Restricted Period</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 12(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Section 409A</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(h)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Severance Payment</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 8(a)(i)(B)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Terminate</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(h)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Termination Without Cause</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(c)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in">&nbsp;&nbsp;Territory</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 12(a)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Trade Secrets</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 15(a)(v)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Voluntary Termination</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 7(e)</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-left: 0.75in; text-align: left">&nbsp;&nbsp;Welfare Benefit Plans</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Section 6(d)</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employment</U>.
Executive is employed as the President &ndash; South Carolina Banking of the Company and the Bank. In such offices Executive shall have
direct executive management and oversight of the Bank&rsquo;s commercial and retail banking in the State of South Carolina. Executive&rsquo;s
responsibilities, duties, prerogatives and authority in such offices, and the clerical, administrative and other support staff and office
facilities provided to Executive, shall be those customary for persons holding such offices with institutions that are a part of the financial
institutions industry. Executive shall report directly to the Chief Executive Officer of the Bank (the &ldquo;<U>CEO</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employment
Period</U>. Unless earlier Terminated in accordance with Sections 7 or 9 hereof, the term of this Agreement and Executive&rsquo;s employment
hereunder shall begin as of the Effective Date and shall end on the first (1<SUP>st</SUP>) anniversary of the Effective Date; provided,
however, that on the first and each succeeding anniversary of the Effective Date Executive&rsquo;s period of employment hereunder shall
be extended for one (1) year unless at least 90 days prior to an anniversary of the Effective Date either the Employer or Executive shall
give written notice of non-extension to the other (the &ldquo;<U>Employment Period</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Extent
of Service</U>. During the Employment Period, and excluding any periods of vacation, sick or other leave to which Executive is entitled
under this Agreement, Executive agrees to provide Executive&rsquo;s full business time and attention to the business and affairs of the
Employer and, to the extent necessary to discharge the responsibilities assigned to Executive hereunder, to use Executive&rsquo;s reasonable
best efforts to perform faithfully and efficiently Executive&rsquo;s responsibilities and duties under this Agreement. Nothing in this
Agreement is intended or should be construed as prohibiting Executive from engaging in charitable, trade association, professional licensing,
professional continuing education, or civic activities or from managing Executive&rsquo;s personal investments or affairs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compensation
and Benefits</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Base
Salary</U>. During the Employment Period, the Employer will pay to Executive a base salary of at least $510,000 (as increased pursuant
to this Agreement, the &ldquo;<U>Base Salary</U>&rdquo;), less normal withholdings, payable in equal monthly or more frequent installments
as are customary under the Bank&rsquo;s payroll practices from time to time. In accordance with the policies and procedures of the Board
of Directors of the Bank, the Employer shall review Executive&rsquo;s total compensation at least annually and in its sole discretion
may increase, but may not decrease, Executive&rsquo;s Base Salary and total compensation from year to year. The annual review of Executive&rsquo;s
total compensation will consider, among other things, changes in the cost of living, Executive&rsquo;s own performance and the Company&rsquo;s
and the Bank&rsquo;s performance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion
and Integration Bonus</U>. In compensation for Executive&rsquo;s acceptance and performance during the Employment Period of additional
duties and responsibilities assigned to Executive in connection with the conversion of the core processing and other systems of GrandSouth
Bank to those of the Bank and the integration of GrandSouth Bank&rsquo;s operations into those of the Bank as further described on <U>Exhibit
A</U> hereto, the Employer shall pay to Executive a bonus of $300,000 within 30 calendar days following completion of conversion of the
core processing and other systems of GrandSouth Bank to those of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Incentive
Plans; Equity Award</U>. During the Employment Period, Executive shall be entitled to participate in all annual incentive plans of the
Employer (and any successor or substitute plans as agreed upon by Executive and Employer), and be eligible for an annual incentive payment
opportunity of up to 40% of Executive&rsquo;s Base Salary based on the performance of the Bank&rsquo;s commercial and retail banking operations
in the State of South Carolina. The Executive shall also be entitled to receive an inducement grant, made as soon as practicable following
the Effective Date, but not later than forty-five (45) days thereafter, of the number of shares of restricted Common Stock of the Company
equal to $1,000,000 divided by the closing price of the Company&rsquo;s Common Stock on the Nasdaq Global Select Market on the last trading
day preceding the date of the Agreement and Plan of Reorganization between GrandSouth Bancorporation and the Company, in accordance with
the terms and conditions specified in the grant agreement (including that such shares of restricted stock will vest on the third anniversary
of the date of grant, subject to Executive&rsquo;s continuous employment by the Employer throughout such vesting period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>&nbsp;Savings
and Retirement Plans</U>. During the Employment Period, Executive shall be entitled to participate in all of the Employer&rsquo;s savings,
pension and retirement plans, practices, and policies (the &ldquo;<U>Benefit Plans</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Welfare
Benefit Plans</U>. During the Employment Period, Executive and/or Executive&rsquo;s family, as the case may be, shall be eligible for
participation in and shall receive all benefits under all welfare benefit plans, practices, policies and programs provided by the Employer
(including, without limitation, medical, hospitalization, prescription, dental, cancer, employee life, group life, accidental death and
dismemberment, and travel accident insurance plans and programs) (&ldquo;<U>Welfare Benefit Plans</U>&rdquo;) to the extent applicable
to its employees generally.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Expenses</U>.
During the Employment Period, Executive shall be entitled to receive prompt reimbursement for all reasonable expenses incurred by Executive
in accordance with the policies, practices and procedures of the Bank to the extent applicable to its employees generally. The expenses
eligible for reimbursement under this Section 6(f) in any year shall not affect any expenses eligible for reimbursement or in-kind benefits
in any other year. Executive&rsquo;s rights under this Section 6(f) are not subject to liquidation or exchange for any other benefit.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Fringe
and Similar Benefits</U>. During the Employment Period, Executive shall be entitled to fringe benefits in accordance with the plans, practices,
programs and policies of the Employer applicable to its employees generally.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Disability,
Sick and Other Leave</U>. During the Employment Period, Executive shall be entitled to those number of business days of paid disability,
sick and other leave specified in the employment policies of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consideration
for Covenants</U>. The Employer and Executive acknowledge and agree that (i) the provisions of Sections 12 and 15 hereof contain covenants
of a nature by which Executive is not bound apart from Executive&rsquo;s agreement to this Agreement, (ii) the payments and benefits provided
in Sections 6, 8 and 9 hereof are in consideration of Executive&rsquo;s agreement to undertake the duties and responsibilities set forth
in Sections 3 and 5 hereof, and (iii) additional and separate consideration is required in exchange for Executive&rsquo;s agreement to
such covenants. Accordingly, the Employer shall pay Executive the sum of $575,000 for the Restricted Period, with the amount being paid
in 12 equal monthly payments on the last day of each of the first 12 complete calendar months occurring during the Restricted Period;
provided, however, that if a court of competent jurisdiction finds in a non-appealable final order or judgment or an arbitration panel
issues a non-appealable final arbitration decision that Executive has materially breached the provisions of Section 12 or Section 15 hereof,
no such installment payment shall be made to Executive following the date of such order, judgment or decision and any installment paid
to Executive following the date of such material breach and prior to the date of such order, judgment or decision shall be refunded by
Executive to the Employer. Such installment payments shall be made to Executive regardless of the Termination of Executive&rsquo;s employment
for any reason.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
of Employment Other Than In Connection With A Change Of Control</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Death
or Disability</U>. Executive&rsquo;s employment with the Employer shall Terminate automatically upon Executive&rsquo;s death during the
Employment Period. If the Employer determines in good faith that the Disability of Executive has occurred during the Employment Period,
it may give to Executive written notice in accordance with Sections 7(e) and 17(i) of this Agreement of its intention to Terminate Executive&rsquo;s
employment. In such event, Executive&rsquo;s employment with the Employer shall Terminate effective on the 60th day after receipt of such
written notice by Executive (the &ldquo;<U>Disability Effective Date</U>&rdquo;), provided that, within the 30 days after such receipt,
Executive shall not have returned to full-time performance of Executive&rsquo;s duties. For purposes of this Agreement, &ldquo;<U>Disability</U>&rdquo;
shall mean Executive&rsquo;s inability to perform the essential functions of Executive&rsquo;s employment due to illness, injury or mental
or physical impairment, which inability cannot be remedies by any reasonable accommodation the Employer may be required to provide Executive
under the Americans With Disabilities Act, 42 U.S.C. 1210 <I>et seq.</I> (the &ldquo;<U>ADA Act</U>&rdquo;), on a full-time basis for
90 consecutive business days or a total of 180 non-consecutive business days in a single 12 month period, subject to (i) the Employer&rsquo;s
obligations, and Executive&rsquo;s rights, under (A) the ADA Act, and (B) the Family and Medical Leave Act, 29 U. S.C. &sect;&sect; 2601
<I>et seq.</I> (and the regulations promulgated under the foregoing Acts), and (ii) the exclusion from such business day calculation of
any business days which Executive is permitted to be absent under the disability, sick or other leave policies of the Bank as provided
in Section 6(g).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cause</U>.
The Employer may Terminate Executive&rsquo;s employment with the Employer for Cause. For purposes of this Agreement, &ldquo;<U>Cause</U>&rdquo;
shall mean:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">the continued failure of Executive to perform substantially Executive&rsquo;s duties with the Employer,
other than any such failure resulting from Disability, after a written demand for substantial performance is delivered to Executive by
the CEO which specifically identifies the manner in which the CEO believes that Executive has not substantially performed Executive&rsquo;s
duties; provided, that Executive shall have 30 days from the receipt of such written demand to cure such continued failure to substantially
perform Executive&rsquo;s duties;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">the willful engaging by Executive in illegal conduct (other than misdemeanor traffic and similar violations)
or gross misconduct;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">a willful and material act of personal dishonesty;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify">continued insubordination with respect to directives of the CEO after receipt of a written warning from
the CEO with respect thereto; or</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(v)</TD><TD STYLE="text-align: justify">a willful act by Executive which constitutes a material breach of Executive&rsquo;s fiduciary duty to
the Employer.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Without
Cause</U>. The Employer may Terminate Executive&rsquo;s employment without Cause (&ldquo;<U>Termination Without Cause</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Good
Reason</U>. Executive may Terminate Executive&rsquo;s employment with the Employer for Good Reason. For purposes of this Agreement, &ldquo;<U>Good
Reason</U>&rdquo; shall mean: (i) a change in the executive offices of the Employer assigned to Executive pursuant to this Agreement;
(ii) a material diminution in Executive&rsquo;s authority, duties, or responsibilities specified in Section 3; (iii) a material change
in the geographic location at which Executive must perform the services to be performed by Executive pursuant to this Agreement (it being
agreed that Executive shall maintain Executive&rsquo;s offices in Greenville, South Carolina); and (iv) any other action or inaction that
constitutes a material breach by the Employer of this Agreement; provided, however, that Executive must provide notice to the Employer
of the condition Executive contends is Good Reason within 30 days of the initial existence of the condition, and the Employer must have
a period of at least 30 days to remedy the condition. If the condition is not remedied, Executive must provide a Notice of Termination
as set forth in Sections 7(f) and 17(i) within 30 days of the end of the Employer&rsquo;s remedy period. Notwithstanding anything in this
Section 7(d) to the contrary, no event shall constitute Good Reason unless such event would qualify as &ldquo;good reason&rdquo; under
Section 409A.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Retirement
or Resignation</U>. Executive may voluntarily retire or resign upon giving notice as required in Sections 7(f) and 17(i) of this Agreement
and thereby Terminate Executive&rsquo;s employment with the Employer (a &ldquo;<U>Voluntary Termination</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice
of Termination</U>. Any Termination (other than for death) shall be communicated by a Notice of Termination given in accordance with Section
17(i) of this Agreement. For purposes of this Agreement, a &ldquo;<U>Notice of Termination</U>&rdquo; means a written notice which (i)
indicates the specific termination provision in this Agreement relied upon, (ii) to the extent applicable, sets forth in reasonable detail
the facts and circumstances claimed to provide a basis for termination of Executive&rsquo;s employment under the provision so indicated,
and (iii) if the Date of Termination (as defined below) is other than the date of receipt of such notice, specifies the Date of Termination
(which date shall be not more than 30 days after the giving of such Notice of Termination except as otherwise provided in Section 7(a)
or Section 7(d)). The failure to set forth in the Notice of Termination any fact or circumstance which contributes to a showing of Disability,
Cause, or Good Reason shall not waive any right of Executive or the Employer hereunder or preclude Executive or the Employer from asserting
such fact or circumstance in enforcing Executive&rsquo;s or the Employer&rsquo;s rights hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Date
of Termination</U>. &ldquo;<U>Date of Termination</U>&rdquo; means (i) if Executive&rsquo;s employment is Terminated by the Employer for
Cause or Terminated Without Cause, the date of receipt of the Notice of Termination or any later date specified therein, as the case may
be, (ii) if Executive&rsquo;s employment is Terminated by a Voluntary Termination, the date of receipt of the Notice of Termination, and
(iii) if Executive&rsquo;s employment is Terminated by reason of death or Disability, the Date of Termination shall be the date of death
of Executive or the Disability Effective Date, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of this Agreement, &ldquo;<U>Terminate</U>&rdquo; (and variations and derivatives thereof) shall mean, when used in connection
with a cessation of employment, that Executive has incurred a separation from service as defined in Section 409A of the Internal Revenue
Code of 1986, as amended (the &ldquo;<U>Code</U>&rdquo;), and guidance and regulations issued thereunder (&ldquo;<U>Section 409A</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Obligations
of the Employer Upon Termination (Other Than In Connection With A Change Of Control)</U>. The provisions of this Section 8 apply only
to Terminations that are not in connection with a Change of Control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
Without Cause or for Good Reason</U>. If, during the Employment Period, the Employer shall Terminate Executive&rsquo;s employment Without
Cause or Executive shall Terminate Executive&rsquo;s employment for Good Reason, then in consideration of Executive&rsquo;s services rendered
prior to such Termination;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">the Employer shall pay to Executive a lump sum in cash on the 30th day after the Date of Termination equal
to the aggregate of the following amounts:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">A.</TD><TD STYLE="text-align: justify">the sum of (1) Executive&rsquo;s Base Salary through the Date of Termination to the extent not theretofore
paid, and (2) any accrued vacation, sick and other leave pay, in each case to the extent not theretofore paid (the sum of the amounts
described in clauses (1) and (2) shall be hereinafter referred to as the &ldquo;<U>Accrued Obligations</U>&rdquo;); and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">B.</TD><TD STYLE="text-align: justify">the amount equal to one (1) times Executive&rsquo;s then existing Base Salary (the &ldquo;<U>Severance
Payment</U>&rdquo;);</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">if Executive is eligible for and timely and properly elects continuation coverage under the Consolidated
Omnibus Budget Reconciliation Act of 1985, 29 U.S.C. &sect;&sect; 1161 <I>et seq.</I> (&ldquo;<U>COBRA</U>&rdquo;), the Employer shall
reimburse Executive monthly for the monthly COBRA premium paid by Executive for Executive and Executive&rsquo;s dependents for one (1)
year following the Date of Termination (the &ldquo;<U>COBRA Reimbursement</U>&rdquo;). If the terms of the applicable plan documents do
not allow the Employer to continue to provide COBRA coverage to Executive and Executive&rsquo;s dependents beyond the expiration of the
statutorily proscribed COBRA period, the Employer shall make monthly cash payments to Executive in an amount equal to the monthly COBRA
premium for coverage for Executive and Executive&rsquo;s dependents for the duration of such one (1) year period; provided, however, that
the Employer&rsquo;s obligations under this item (ii) shall terminate on the date on which Executive enrolls in a group health plan offered
by another employer that provides substantially similar coverage; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Death</U>.
If Executive&rsquo;s employment is Terminated by reason of Executive&rsquo;s death during the Employment Period, this Agreement shall
terminate without further obligations to Executive&rsquo;s legal representatives under this Agreement, except that (i) Accrued Obligations
shall timely be paid as provided below and (ii) Other Benefits shall be timely paid or provided as described below. Accrued Obligations
shall be paid to Executive&rsquo;s estate. With respect to the provision of Other Benefits, the term &ldquo;<U>Other Benefits</U>&rdquo;
as utilized in this Section 8(b) shall mean, and Executive&rsquo;s estate and/or beneficiaries shall be entitled to receive, all benefits
under the Employer&rsquo;s Welfare Benefit Plans relating to death benefits. Without limiting the foregoing, the Employer shall pay any
premium required for any &ldquo;qualified beneficiary&rdquo; of Executive to continue his or her health care coverage in accordance with
COBRA for one (1) year following the date of death.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Disability</U>.
If Executive&rsquo;s employment is Terminated by reason of Executive&rsquo;s Disability during the Employment Period, this Agreement shall
terminate without further obligations to Executive, except that (i) Accrued Obligations shall be timely paid as provided below and (ii)
Other Benefits shall be timely paid or provided as described below. Accrued Obligations shall be paid to Executive in a lump sum in cash
on the 30th day after the Date of Termination. With respect to the provision of Other Benefits, the term &ldquo;<U>Other Benefits</U>&rdquo;
as utilized in this Section 8(c) shall include, without limitation, and Executive shall be entitled after the Date of Termination to receive,
(1) all benefits under all Welfare Benefit Plans relating to disability and (2) the COBRA Reimbursement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cause;
Voluntary Termination</U>. If Executive&rsquo;s employment shall be Terminated for Cause or Executive shall effect a Voluntary Termination,
in either case during the Employment Period, this Agreement shall terminate without further obligations to Executive, except that (i)
the Accrued Obligations shall be paid in a lump sum in cash on the 30th day after the Date of Termination, and (ii) Other Benefits shall
be paid or provided in a timely manner, in each case to the extent theretofore unpaid; provided, however, that Executive&rsquo;s right
to continue to participate in Welfare Benefit Plans shall terminate on the 30th day following the Date of Termination, subject to Executive&rsquo;s
rights, if any, under COBRA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
In Connection With a Change of Control</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Change
of Control Termination</U>. In the event that, at the time of or within one (1) year after a Change of Control, and during the Employment
Period, Executive&rsquo;s employment is Terminated Without Cause by the Employer or Executive Terminates Executive&rsquo;s employment
for Good Reason (a &ldquo;<U>Change of Control Termination</U>&rdquo;), Executive shall be entitled to receive the payments and benefits
specified in this Section 9. The date on which Executive receives notice in accordance with Section 17(i) of a Change of Control Termination
shall be deemed the &ldquo;<U>Change of Control Termination Date</U>&rdquo;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definition
of Change of Control</U>. For purposes of this Agreement, &ldquo;<U>Change of Control</U>&rdquo; shall mean (i) a Change in Effective
Control; (ii) a Change of Asset Ownership; or (iii) a Change of Ownership; in each case, as defined herein and as further defined and
interpreted in Section 409A.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 &ldquo;<U>Change in Effective Control</U>&rdquo; shall mean the date either (A) a <U>Person</U> or <U>Group</U> (each as defined in or
pursuant to Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as amended) acquires (or has acquired during the preceding
12 months) ownership of stock of the Company or the Bank possessing 30% or more of the total voting power of the outstanding stock of
the Company or the Bank, as applicable, or (B) a majority of the members of the Board of Directors of the Company is replaced during any
12 month period by directors whose election is not endorsed by a majority of the members of such Board prior to such election.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 &ldquo;<U>Change of Asset Ownership</U>&rdquo; shall mean the date a Person or Group acquires (or has acquired during the preceding 12
months) assets from the Employer that have a total gross fair market value that is equal to or exceeds 40% of the total gross fair market
value of all the Company&rsquo;s assets immediately prior to such acquisition.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 &ldquo;<U>Change of Ownership</U>&rdquo; shall mean the date a Person or Group acquires ownership of stock of the Company that, together
with stock previously held, constitutes more than 50% of the total fair market value or total voting power of the outstanding stock of
the Company; provided that such Person or Group did not previously own 50% or more of the value or voting power of the outstanding stock
of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Change
of Control Payments and Benefits</U>. Upon a Change Of Control Termination:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">The Employer shall pay to Executive in a lump sum in cash on the 30th day after the date of the Change
of Control Termination Date the aggregate of the following amounts:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in; text-align: left">(A)</TD><TD STYLE="text-align: justify">the sum of the Accrued Obligations; and</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(B)</TD><TD STYLE="text-align: justify">two point ninety-nine (2.99) times Executive&rsquo;s then Base Salary; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 2in"></TD><TD STYLE="width: 0.5in">(C)</TD><TD STYLE="text-align: justify">provided, however, that if during the Restricted Period, Executive is found by a court of competent jurisdiction
to have breached the provisions of Section 12 or Section 15, no payments shall be due under paragraph (B) following the date of such find
and any such payment previously made shall be repaid by Executive;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">if Executive is eligible for and timely and properly elects continuation coverage under COBRA, the Employer
shall reimburse the Executive monthly for the monthly COBRA premium paid by Executive for Executive and Executive&rsquo;s dependents for
a period of one (1) year after the Change in Control Termination Date. If the terms of the applicable plan documents do not allow the
Employer to continue to provide COBRA coverage to Executive and Executive&rsquo;s dependents beyond the expiration of the statutorily
proscribed COBRA period, the Employer shall make monthly cash payments to Executive in an amount equal to the monthly COBRA premium for
coverage for Executive and Executive&rsquo;s dependents for the duration of such one (1) year period; provided, however, that the Employer&rsquo;s
obligations under this item (ii) shall terminate on the date on which Executive enrolls in a group health plan offered by another employer
that provides substantially similar coverage;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">To the extent permissible under the applicable Welfare Benefit Plans, for the number of days remaining
in the Employment Period from and after the Change of Control Termination Date (the &ldquo;<U>Continuing Period</U>&rdquo;), the Employer
shall pay to Executive monthly an amount equal to the premiums necessary to provide benefits (other than medical and dental benefits covered
by the reimbursement provided in Section 9(c)(ii)) necessary to provide benefits to Executive and/or Executive&rsquo;s family at least
equal to those which would have been provided to them in accordance with the Welfare Benefit Plans if Executive&rsquo;s employment had
not been Terminated; provided, however, that if Executive becomes employed with another employer and is eligible to receive substantially
the same benefits under the other employer&rsquo;s plans as Executive would receive under the Welfare Benefit Plans under this item (iii),
the Employer&rsquo;s obligation to provide such benefits shall terminate on the date Executive enrolls in a plan or plans provided substantially
similar coverages. For purposes of determining eligibility and years-of-service credit (but not the time of commencement of benefits)
of Executive for retiree benefits pursuant to such Welfare Benefit Plans, Executive shall be considered to have remained employed through
the Continuing Period and to have retired on the last day of such period.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Exclusivity
of Rights</U>. Nothing in this Agreement shall prevent or limit Executive&rsquo;s continuing or future participation in any plan, program,
policy, or practice provided by the Employer and for which Executive may qualify, nor shall anything herein limit or otherwise affect
such rights as Executive may have under any contract or agreement with the Employer. Amounts which are vested benefits or which Executive
is otherwise entitled to receive under any plan, policy, practice or program of or any contract or agreement with the Employer at or subsequent
to a Date of Termination or Change of Control Termination Date shall be payable in accordance with such plan, policy, practice or program
or such contract or agreement except as explicitly modified by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Full
Settlement</U>. The Employer&rsquo;s obligation to make the payments provided for in this Agreement and otherwise to perform its obligations
hereunder shall not be affected by any set-off, counterclaim, recoupment, defense or other claim, right or action which the Employer may
have against Executive or others. In no event shall Executive be obligated to seek other employment or take any other action by way of
mitigation of the amounts payable to Executive under any of the provisions of this Agreement; provided, however, that Executive&rsquo;s
right to receive any payment under Section 8(a)(ii) or Section 9(c)(ii) or (iii), as applicable, and to receive benefits under Welfare
Benefit Plans to the extent that Executive obtains other employment shall be limited as provided in Section 8(a)(ii) or Section 9(c)(ii)
or (iii), as applicable. The Employer agrees to recognize as an indebtedness to Executive and shall pay as incurred all legal fees and
expenses which Executive may reasonably incur as a result of any contest (regardless of the outcome thereof) by the Employer, Executive
or others of the validity or enforceability of, or liability under, any provision of this Agreement or any guarantee of performance thereof
(including as a result of any contest by Executive about the amount of any payment pursuant to this Agreement), plus in each case interest
on any delayed payment at the &ldquo;applicable federal rate&rdquo; provided for in Section 7872(f)(2)(A) of the Code. The expenses eligible
for payment under this Section 11 in any year shall not affect any expenses eligible for reimbursement or in-kind benefits in any other
year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenants</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenant
Not to Compete</U>. During the 36 calendar month period following the calendar month in which the Date of Termination or Change of Control
Termination Date, as applicable, of Executive&rsquo;s employment for Cause, Executive&rsquo;s Voluntary Termination of Executive&rsquo;s
employment or a Change of Control Termination occurs (the &ldquo;<U>Restricted Period</U>&rdquo;), Executive shall not within the geographic
areas composed of the circles surrounding the Bank&rsquo;s banking offices as of the Termination of Executive&rsquo;s employment either
located in the State of South Carolina or subject to Executive&rsquo;s direct executive management and oversight, with each such circle
having the applicable banking office as its center point and a radius of 30 miles (the &ldquo;<U>Territory</U>&rdquo;), Compete with the
Company or any of its subsidiaries or affiliates (the &ldquo;<U>Bank Group</U>&rdquo;); provided, however, that Executive&rsquo;s ownership
of less than five percent (5%) of the outstanding securities of any entity engaged in the Business that has a class of securities listed
on a securities exchange or quoted on any over-the-counter market shall not be a violation of the foregoing. &ldquo;<U>Business</U>&rdquo;
shall mean the business of commercial banking and the provision of investment advisory, trust, estate, wealth management and other related
financial services to the extent such a service was offered by a member of the Bank Group on the applicable Date of Termination or Change
of Control Termination Date. &ldquo;<U>Compete</U>&rdquo; shall mean to: (A) be engaged or employed by or otherwise assist any Covered
Person whose business is competitive with the Employer&rsquo;s Business, whether as a sole proprietor, owner, shareholder, officer, director,
member, manager, partner, joint venturer, franchiser, franchisee, employee, agent, independent contractor or trustee, or otherwise, in
any aspect of the Employer&rsquo;s Business that Executive was involved with on behalf of the Employer during any part of the 12 month
period immediately prior to the applicable Date of Termination or Change of Control Termination Date; or (B) develop, produce, market,
sell, furnish, offer and/or otherwise provide any Business services, or advise or consult with any person, partnership, corporation, limited
liability company, or other entity regarding the development, production, marketing, selling, furnishing, offering or other provision
of such Business services.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenant
Not to Solicit Customers</U>. During the Restricted Period, within the Territory Executive shall not, directly or indirectly, individually
or on behalf of any other natural person, corporation, partnership, limited liability company, trust, association, business association,
joint venture, mutual organization or similar entity (a &ldquo;<U>Covered Person</U>&rdquo;) (other than a member of the Bank Group) offer
to provide any Business services to any person, partnership, corporation, limited liability company, or other entity who is or was (i)
a customer of any member of the Bank Group during any part of the 12 month period immediately prior to the Date of Termination or Change
of Control Termination Date, as applicable, or (ii) a potential customer to whom any member of the Bank Group offered to provide Business
services during any part of the 12 month period immediately prior to the Date of Termination or Change of Control Termination Date, as
applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenant
Not to Solicit Employees</U>. During the Restricted Period, Executive shall not, directly or indirectly, individually or on behalf of
any Covered Person, solicit, recruit or entice, directly or indirectly, any employee of any member of the Bank Group to leave the employment
of such member to work with Executive or with any Covered Person with whom Executive is or becomes affiliated or associated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reasonableness
of Scope and Duration</U>. The parties hereto agree that the covenants and agreements contained in this Section 12 are reasonable in their
time, territory and scope, and they intend that they be enforced, and no party shall raise any issue of the reasonableness of the time,
territory or scope of any such covenants in any proceeding to enforce any such covenants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Enforceability</U>.
Executive agrees that monetary damages would not be a sufficient remedy for any breach or threatened breach of the provisions of this
Section 12, and that in addition to all other rights and remedies available to the Employer, the Employer shall be entitled to specific
performance and injunctive or other equitable relief as a remedy for any such breach or threatened breach. Any determination of whether
Executive has violated such covenants shall be made by arbitration in Greenville, South Carolina under the Rules of Commercial Arbitration
(the &ldquo;<U>Rules</U>&rdquo;) of the American Arbitration Association, which Rules are deemed to be incorporated by reference herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Separate
Covenants and Severability</U>. The covenants and agreements contained in this Section 12 shall be construed as separate and independent
covenants. Should any part or provision of any such covenant or agreement be held invalid, void or unenforceable in any court of competent
jurisdiction, no other part or provision of this Agreement shall be rendered invalid, void or unenforceable by a court of competent jurisdiction,
no other part or provision of this Agreement shall be rendered invalid, void or unenforceable as a result. If any portion of the foregoing
provisions is found to be invalid or unenforceable by a court of competent jurisdiction unless modified, it is the intent of the parties
that the otherwise invalid or unreasonable term shall be reformed, or a new enforceable term provided, so as to most closely effectuate
the provisions as is validly possible.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment
and Successors</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Executive</U>.
This Agreement is personal to Executive and without the prior written consent of the Employer shall not be assignable by Executive otherwise
than, to the extent legally permissible, by will or the laws of descent and distribution. This Agreement shall inure to the benefit of,
and be enforceable by, Executive&rsquo;s legal representatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>The
Employer</U>. This Agreement shall inure to the benefit of and be binding upon the Employer and its successors and assigns. The Employer
will require any successor to it (whether direct or indirect, by stock or asset purchase, merger, share exchange or otherwise) or acquiring
all or substantially all of its business or more than 50% of its assets to assume expressly and agree to perform this Agreement in the
same manner and to the same extent it would be required to perform it if no such succession had taken place.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Intervention</U>. Notwithstanding anything in this Agreement to the contrary, the obligations of the Employer under this Agreement are
subject to the following terms and conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
Executive is suspended and/or temporarily prohibited from participating in the conduct of the Employer&rsquo;s affairs by a notice served
under Section 8(e)(3) or (1) of the Federal Deposit Insurance Act (12 U.S.C. &sect; 1818 (e)(3) and (g)(1)), the Employer&rsquo;s obligations
hereunder, as applicable, shall be suspended as of the date of service unless stayed by appropriate proceedings. If the charges in the
notice are dismissed, all of the Employer&rsquo;s obligations which were suspended shall be reinstated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
Executive is removed and/or permanently prohibited from participating in the conduct of the Employer&rsquo;s affairs by an order issued
under Section 8(e)(4) or (g)(1) of the Federal Deposit Insurance Act (12 U.S.C. &sect; 1 818 (e)(4) and (g)(1)), all obligations of the
Employer under this Agreement shall terminate as of the effective date of the order, but vested rights of the parties shall not be affected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Employer is in default (as defined in Section 3(x)(1) of the Federal Deposit Insurance Act (12 U.S. C. &sect; 1813 (X)(1)), all obligations
of the Employer under this Agreement shall terminate as of the date of default, but any vested rights of Executive shall not be affected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
obligations of the Employer under this Agreement shall be terminated, except to the extent determined that continuation of the Agreement
is necessary for the continued operation of the Employer, if so ordered by the North Carolina Commissioner of Banks (the &ldquo;<U>Commissioner</U>&rdquo;)
or the Board of Governors of the Federal Reserve System or a Federal Reserve Bank (the &ldquo;<U>FRB</U>&rdquo;), at the time the Federal
Deposit Insurance Corporation (&ldquo;<U>FDIC</U>&rdquo;) enters into an agreement to provide assistance to or on behalf of the Bank under
the authority contained in Section 13 (c) of the Federal Deposit Insurance Act (12 U.S.C.&sect; 1823 (c)), or if so ordered by the Commissioner
or the FRB, as applicable, at the time the FDIC approves a supervisory merger to resolve problems related to operation of the Employer
or when the Employer is determined by the Commissioner or the FRB to be in an unsafe or unsound condition. Any rights of Executive that
shall have vested under this Agreement shall not be affected by such action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
regard to the provisions of this Section 14(a) through (d):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">The Employer shall use its best efforts to oppose any such notice of charges as to which there are reasonable
defenses;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">In the event the notice of charges is dismissed or otherwise resolved in manner that will permit the Employer
to resume its obligations to pay compensation hereunder, the Employer will promptly make such payment hereunder; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">During any period of suspension under Section 14(a), the vested rights of Executive shall not be affected
except to the extent precluded by such notice.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Employer&rsquo;s obligations to provide compensation or other benefits to Executive under this Agreement shall be terminated or limited
to the extent required by the provisions of any final regulation or order of the FDIC promulgated under Section 18(k) of the Federal Deposit
Insurance Act (12 U.S.C. &sect; 1828(k)) limiting or prohibiting any &ldquo;golden parachute payment&rdquo; as defined therein, but only
to the extent that the compensation or payments to be provided by the Employer under this Agreement are so prohibited or limited.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">15.&nbsp;&nbsp;&nbsp;&nbsp;<U>Trade
Secrets and Confidential Information</U>. Executive acknowledges that by virtue of Executive&rsquo;s offices with the Employer, Executive
has had and will continue to have access to Trade Secrets and Confidential Information and that, accordingly, the provisions set forth
in this Section 15 are reasonably necessary to protect the Employer&rsquo;s legitimate business interests, do not interfere with public
policy or public interest, and are described with sufficient accuracy and definiteness to enable Executive to understand the scope of
the restrictions imposed upon Executive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Trade
Secrets and Confidential Information</U>. Executive acknowledges that: (A) the Employer has and will disclose to Executive certain Trade
Secrets and Confidential Information; (B) such Trade Secrets and Confidential Information are the sole and exclusive property of the Employer
(or a third party providing such information to the Employer) and the Employer or such third party owns all worldwide rights therein under
patent, copyright, trade secret, confidential information, or other property right; and (C) the disclosure of such Trade Secrets and Confidential
Information to Executive does not confer upon Executive any license, interest or rights of any kind in or to the Trade Secrets or Confidential
Information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">Executive may use the Trade Secrets and Confidential Information only in accordance with applicable policies
and procedures of the Employer and solely for the Employer&rsquo;s benefit while Executive is employed or otherwise retained by Employer.
Except as authorized in the performance of services for the Employer, Executive will hold in confidence and not directly or indirectly,
in any form, by any means, or for any purpose, disclose, reproduce, distribute, transmit, or transfer any such Trade Secrets or Confidential
Information or any portion thereof. Upon the Employer&rsquo;s request, Executive shall return all Trade Secrets and Confidential Information
and all related materials.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">Except as otherwise provided in Section 15(e), if Executive is required to disclose any such Trade Secrets
or Confidential Information pursuant to a court order or other government process or such disclosure is necessary to comply with applicable
law or defend against claims, Executive shall: (i) notify the Employer promptly before any such disclosure is made; (ii) at the Employer&rsquo;s
request and expense take all reasonably necessary steps to defend against such disclosure, including defending against the enforcement
of the court order, other government process or claims; and (iii) permit the Employer to participate with counsel of its choice in any
proceeding relating to any such court order, other government process or claims.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">Executive&rsquo;s obligations with regard to Trade Secrets shall remain in effect for as long as such
information shall remain a trade secret under applicable law.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD STYLE="text-align: justify">Executive&rsquo;s obligations with regard to Confidential Information shall remain in effect while Executive
is employed or otherwise retained by the Employer and for 5 years thereafter.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(v)</TD><TD STYLE="text-align: justify">As used in this Agreement, &ldquo;<U>Trade Secrets</U>&rdquo; means information of the Employer or the
Employer&rsquo;s suppliers, customers or prospective customers, including, but not limited to, data, formulas, patterns, compilations,
programs, devices, methods, techniques, processes, financial data, financial plans, product plans or lists of actual or potential customers
or suppliers, which: (1) derives independent actual or potential commercial value, from not being generally known to or readily ascertainable
through independent development by persons or entities who can obtain economic value from its disclosure or use; and (2) is the subject
of efforts that are reasonable under the circumstances to maintain its secrecy.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(vi)</TD><TD STYLE="text-align: justify">As used in this Agreement, &ldquo;<U>Confidential Information</U>&rdquo; means information other than
Trade Secrets, that is of value to its owner and is treated as confidential, including, but not limited to, future business plans, marketing
campaigns, and information regarding employees; provided, however, Confidential Information shall not include information which is in
the public domain or becomes public knowledge through no fault of Executive.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employer
Property</U>. Upon the Termination of Executive&rsquo;s employment, Executive shall: (i) deliver to the Employer all records, memoranda,
data, documents and other property of any description which refer or relate in any way to Trade Secrets or Confidential Information, including
all copies thereof, which are in Executive&rsquo;s possession, custody or control; (ii) deliver to the Employer all property of the Employer
(including, but not limited to, keys, credit cards, customer files, contracts, proposals, work in process, manuals, forms, computer-stored
work in process and other computer data, research materials, other items of business information concerning any customer, or business
or business methods of the Employer, including all copies thereof) which is in Executive&rsquo;s possession, custody or control; (iii)
bring all such records, files and other materials up to date before returning them; and (iv) fully cooperate with the Employer in winding
up Executive&rsquo;s work and transferring that work to other individuals designated by the Employer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Remedies</U>.
Executive acknowledges that Executive&rsquo;s failure to abide by the provisions of this Section 15 would cause irreparable harm to the
Employer for which legal remedies would be inadequate. Therefore, in addition to any legal or other relief to which the Employer may be
entitled by virtue of Executive&rsquo;s failure to abide by these provisions; the Employer may seek legal and equitable relief, including,
but not limited to, preliminary and permanent injunctive relief, for Executive&rsquo;s actual or threatened failure to abide by these
provisions without the necessity of posting any bond, and Executive will indemnify the Employer for all expenses, including attorneys&rsquo;
fees, in seeking to enforce these provisions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Other
Agreements</U>. Nothing in this Agreement shall terminate, revoke or diminish Executive&rsquo;s obligations or the Employer&rsquo;s rights
and remedies under law or any agreements relating to trade secrets, confidential information, non-competition and intellectual property
which Executive has executed in the past, or may execute in the future or contemporaneously with this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Permitted
Disclosures</U>. Nothing in this Agreement shall be construed to prevent, interfere with or restrict Executive&rsquo;s ability to make
disclosures, reports or complaints as authorized, permitted or required by federal or state law, including without limitation pursuant
to the provisions of the Sarbanes-Oxley Act or the Dodd-Frank Wall Street Reform Act and Consumer Protection Act (the &ldquo;<U>Dodd-Frank
Act</U>&rdquo;) or by regulations, rules or orders issued by federal or state regulatory agencies, including without limitation, the Commissioner,
the FDIC, the FRB, the U.S. Treasury, or the Securities and Exchange Commission, provided the disclosure does not exceed the extent of
disclosure required by such law, regulation, rules or order. Further, nothing in this Agreement shall prevent, impede or interfere (nor
shall it be construed to prevent, impede or interfere) with (i) Executive&rsquo;s obligation to provide full, complete and truthful testimony
when so required in response to a subpoena or order from a court or government agency; (ii) Executive&rsquo;s right to report (including
pursuant to whistleblower laws) possible violations of federal, state or local law or other improper actions/omissions to government agencies,
to file a charge or complaint of discrimination, harassment or retaliation with government agency; or (iii) Executive&rsquo;s right to
make confidential disclosures of information (including trade secrets) to a government agency, or to an attorney who is advising Executive,
for the purpose of reporting or as part of an investigation into a suspected violation of law, nor shall it prohibit Executive from filing
a lawsuit, complaint or other document that contains a trade secret, so long as the information containing the trade secret is filed under
seal and is not otherwise disclosed except pursuant to court order. Executive understands that Executive&rsquo;s rights when making such
protected disclosures are more fully described in 18 USC &sect;1833, as amended, and include immunity from criminal and civil liability
from making protected disclosures of trade secrets under the Defend Trade Secrets Act of 2016. Finally, nothing in this Agreement authorizes
the Employer to terminate Executive&rsquo;s employment or otherwise retaliate against Executive for engaging in any of the foregoing activities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain
Payments Delayed for a Specified Employee</U>. If Executive is a &ldquo;specified employee&rdquo; as defined in Section 409A, then any
payment(s) under this Agreement on account of a &ldquo;separation from service&rdquo; as defined in Section 409A shall be made and/or
shall begin on the first day of the seventh (7<SUP>th</SUP>) month following the date of Executive&rsquo;s Termination to the extent such
payments are not exempt from Section 409A and the six (6) month delay in payment is required by Section 409A.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Miscellaneous</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Mitigation</U>. Executive shall not be required to mitigate the amount of any payment provided for in this Agreement by seeking other
employment or otherwise and, except as provided in Sections 8(a)(ii) or Section 9(c)(ii) or (iii), as applicable, no such payment shall
be offset or reduced by the amount of any compensation or benefits provided to Executive in any subsequent employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver</U>.
Failure of a party hereto to insist, in one or more instances, on performance by the other in strict accordance with the terms and conditions
of this Agreement shall not be deemed a waiver or relinquishment of any right granted in this Agreement or of the future performance of
any such term or condition or of any other term or condition of this Agreement, unless such waiver is contained in a writing signed by
the party making the waiver.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.
If any provision or covenant, or any part thereof, of this Agreement should be held by any court to be invalid, illegal or unenforceable,
either in whole or in part, such invalidity, illegality or unenforceability shall not affect the validity, legality enforceability of
the remaining provisions or covenants, or any part thereof, of this Agreement, all of which shall remain in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Other
Agents</U>. Nothing in this Agreement is to be interpreted as limiting the Employer from employing other personnel on such terms and conditions
as may be satisfactory to it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire
Agreement</U>. Except as provided herein, this Agreement contains the entire agreement between the Employer and Executive, with respect
to the subject matter hereof and supersedes and invalidates any previous employment and severance agreements or contracts with Executive.
No representations, inducements, promises or agreements, oral or otherwise, which are not embodied herein, shall be of any force or effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance
with Section 409A</U>. It is intended that this Agreement shall conform with all applicable Section 409A requirements to the extent Section
409A applies to any provisions of the Agreement. Accordingly, in interpreting, construing or applying any provisions of the Agreement,
the same shall be construed in such manner as shall meet and comply with Section 409A, and in the event of any inconsistency with Section
409A, the same shall be reformed so as to meet the requirements of Section 409A. None of the payments under this Agreement are intended
to result in the inclusion in Executive&rsquo;s federal gross income on account of a failure under Section 409A(a)(1) of the Code. Accordingly,
in interpreting, construing or applying any provisions of the Agreement, the same shall be construed in such manner as shall meet and
comply with Section 409A, and in the event of any inconsistency with Section 409A, the same shall be reformed so as to meet the requirements
of Section 409A. Any payments made under Sections 8 and 9 of this Agreement which are paid on or before the last day of the applicable
period for the short-term deferral exclusion under Treasury Regulation &sect; 1.409A-1(b)(4) are intended to be excluded under such short-term
deferral exclusion. Any remaining payments under Sections 8 and 9 are intended to qualify for the exclusion for separation pay plans under
Treasury Regulation &sect; 1.409A-1(b)(9). Each payment made under Sections 8 and 9 shall be treated as a &ldquo;separate payment&rdquo;,
as defined in Treasury Regulation &sect; 1.409A-2(b)(2), for purposes of Code Section 409A. Executive acknowledges that the Employer has
not made any representation or warranty regarding the treatment of this Agreement or the benefits payable under this Agreement under federal,
state or local income tax laws, including but not limited to Section 409A.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Recoupment
of Excessive or Improper Compensation</U>. Notwithstanding any other provision of this Agreement to the contrary, Executive agrees that
any compensation or benefits provided to Executive under this Agreement that are subject to recovery or recoupment pursuant to (i) the
Dodd-Frank Act and any rule or regulation promulgated thereunder, (ii) 12 C.F.R. Part 30 or any regulation promulgated thereunder by the
Employer&rsquo;s primary federal regulatory body, (iii) any other law or regulation, or (iv) any internal policy of the Employer adopted
or ratified by the Bank Board shall be recouped by the Employer as necessary to satisfy such law, regulation, rule or policy. Executive
agrees to return or repay any such compensation or benefit, and authorizes the Employer to deduct such compensation or the cost of such
benefit from any other payments due to Executive if Executive fails to make such return or repayment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law</U>. Except to the extent preempted by federal law, the laws of the State of North Carolina shall govern this Agreement in all respects,
whether as to its validity, construction, capacity, performance or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.
All notices, requests, demands and other communications required or permitted hereunder shall be in writing and shall be deemed to have
been duly given if delivered or seven (7) days after mailing if mailed, first class, certified mail, postage prepaid:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">To the Employer:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">First Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">300 SW Broad Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Southern Pines, NC 28387</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Attention: President &amp; Chief
Executive Officer</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">To Executive, at Executive&rsquo;s
address shown on the signature page hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Any party may change the address to which notices,
requests, demands and other communications shall be delivered or mailed by giving notice thereof to the other party in the same manner
provided herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendments
and Modifications</U>. This Agreement may be amended or modified only by a writing signed by all parties hereto, which makes specific
reference to this Agreement; provided, that no amendment or modification to this Agreement shall be adopted unless it complies with Section
409A to the extent Section 409A applies to this Agreement and/or to the amendment or modification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the parties
hereto have duly executed and delivered this Employment Agreement as of the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">FIRST BANCORP</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 47%">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Michael G. Mayer, President</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">FIRST BANK</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Michael G. Mayer, CEO &amp; President</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">EXECUTIVE:</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">James B. Schwiers, President &ndash;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">South Carolina Banking</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 3in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 3in"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 3in">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Exhibit A</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Integration and Conversion Services</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">During the period immediately following the Effective
Time, the Executive will have additional duties and responsibilities assigned to Executive in connection with the integration of GrandSouth
Bank&rsquo;s operations and employees into those of the Bank as well as, secondarily, with the conversion of the core processing and other
systems of GrandSouth Bank to those of the Bank. During this period, Executive will complete an evaluation for the Bank of all GrandSouth
Bank client banking relationships to determine which GrandSouth Bank clients would benefit from different or additional products and services
provided by the Bank and engage with those GrandSouth Bank clients as requested by the Bank relating to such offerings. During this period,
Executive will engage those GrandSouth Bank employees retained by the Bank to insure they are meeting the expectations of the Bank and
insure those employees are expanding current relationships and developing new banking relationships with the Bank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<!-- Field: Page; Sequence: 198 -->
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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><A NAME="iii_011"></A>Annex E</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CONSULTING AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS CONSULTING AGREEMENT
(this &ldquo;Agreement&rdquo;), dated as of August 18, 2022, is made by and among First Bancorp, a North Carolina corporation (the &ldquo;Company&rdquo;),
First Bank, a North Carolina-chartered bank, which is a wholly owned subsidiary of the Company (the &ldquo;Bank&rdquo; and collectively,
with the Company, &ldquo;FBNC&rdquo;), and John B. Garrett, an individual resident of South Carolina. This Agreement shall take effect
upon the effectiveness of the merger of GrandSouth Bancorporation (&ldquo;GSB&rdquo;) with and into the Company (the &ldquo;Effective
Date&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, on June 21, 2022,
the Company entered into an Agreement and Plan of Merger and Reorganization with GSB, pursuant to which GSB will merge with and into the
Company, with the Company continuing as the surviving corporation (the &ldquo;Merger&rdquo;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, Mr. Garrett presently
serves as Chief Financial Officer of GSB and GrandSouth Bank (&ldquo;GSB Bank&rdquo;) and will continue to do so on behalf of both entities
until the effectiveness of the Merger;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the non-compete provisions
of Mr. Garrett&rsquo;s current Severance and Employment Agreement with GSB and GSB Bank will terminate as of the effectiveness of the
Merger;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, Mr. Garrett has significant
and valuable institutional knowledge of GSB and GSB Bank&rsquo;s customers and employees and his continued assistance and support will
be important to the success of the surviving entity following the Effective Date, and therefore, the Company and the Bank desire to retain
Mr. Garrett to provide consulting services to FBNC pursuant to the terms and conditions set forth herein and to obtain his agreement to
comply with certain restrictive covenants also set forth herein; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, Mr. Garrett desires
to accept such engagement, effective as of the Effective Date, on the terms and conditions provided herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW THEREFORE, in consideration
of the mutual covenants in this Agreement, and other good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereby agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Engagement; Consultant Relationship; Duties.</B>&nbsp;&nbsp;Effective upon the Effective Date, FBNC hereby engages Mr. Garrett,
and he hereby agrees to render, at the request of FBNC, consulting services to FBNC in connection with the business of FBNC. In his role
as a consultant, Mr. Garrett shall make himself reasonably available to answer questions and provide such consulting services as may be
reasonably requested by the executive officers or boards of directors of FBNC from time to time; provided however that, such services
rendered shall not exceed, on average, forty (40) hours per month. The services shall include supporting the Bank by (i) advising FBNC
management as to matters of his institutional knowledge such as the prior operating philosophy of GSB Bank, the competitive factors of
GSB Bank&rsquo;s markets, GSB Bank personnel qualifications and utilization as well as the historical effectiveness of GSB Bank&rsquo;s
product and services offerings; (ii) assisting with unresolved issues from GSB or GSB Bank&rsquo;s past operations; (iii) engaging with
GSB Bank&rsquo;s local communities on behalf of FBNC to ensure that FBNC is visible in those communities and viewed as a good corporate/community
partner; and (iv) providing such other consulting services as may be reasonably requested by the executive officers or boards of directors
of FBNC from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Term and Termination.</B>&nbsp;&nbsp;The term of this Agreement (the &ldquo;Term&rdquo;) shall commence immediately upon the
Effective Date and shall continue until the earliest of: (i) the close of business on the last day of the six (6) month period following
the Effective Date; (ii) Mr. Garrett&rsquo;s death; (iii) upon the Disability (as defined below) of Mr. Garrett for a period of ninety
(90) consecutive days; (iii) FBNC&rsquo;s termination of this Agreement at any time upon Mr. Garrett&rsquo;s material breach of this Agreement
by failing to adequately provide the services set forth above which remains uncured by Mr. Garrett for fifteen (15) business days after
FBNC provides written notice of such material breach; and (iv) Mr. Garrett&rsquo;s termination of this Agreement at any time during the
Term by providing two (2) weeks&rsquo; prior written notice to the Bank. Notwithstanding anything in this Agreement to the contrary, FBNC&rsquo;s
obligations to make payments to Mr. Garrett hereunder shall terminate effective immediately upon Mr. Garrett&rsquo;s violation of the
restrictive covenants set forth in Section 6 of this Agreement or his indictment for a crime involving dishonesty, moral turpitude, fraud
or any felony. Certain rights and obligations of the parties shall continue following the termination of this Agreement as stated in Section
6 hereof. Disability&rdquo; or &ldquo;Disabled&rdquo; shall mean as defined by Treasury Regulation &sect; 1.409A-3(i)(4).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><B>Compensation.</B>&nbsp;&nbsp;During the Term of this Agreement, as compensation for all services rendered by Mr. Garrett under
this Agreement, FBNC shall pay him the sum of $16,666.66 per month, or a pro rata portion of such amount for any partial month. The payments
under this Section 3 shall be separate and in addition to the payment set forth in Section 6 of this Agreement. FBNC will make the foregoing
monthly payments to Mr. Garrett every two weeks in arrears ($8,333.33 per payment) at the same time as FBNC processes its periodic payroll
disbursements. All such compensation shall be payable without deduction for federal income, Social Security, or state income taxes or
any other amounts. Mr. Garrett acknowledges and agrees that he shall be solely responsible for making all such filings and payments and
shall indemnify and hold harmless FBNC for any liability, claim, expense, or other cost incurred by FBNC arising out of or related to
his receipt of payments pursuant to this Section 3. In addition, the Company and the Bank shall apportion any payments paid to Mr. Garrett
pursuant to this Agreement between themselves as they may agree from time to time in proportion to services actually rendered by him for
such entity; provided, however, that they must satisfy in full all such obligations in a timely manner as set forth in this Agreement
regardless of any agreed-upon apportionment. Mr. Garrett&rsquo;s receipt of satisfaction in full of any such obligation from the Company
or the Bank shall extinguish the obligations of the other with respect to such obligation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Expenses.</B>&nbsp;&nbsp;During the Term of this Agreement, Mr. Garrett shall be reimbursed by FBNC for all reasonable business
expenses incurred in connection with the performance of his duties hereunder, and all such reimbursements shall be paid in accordance
with the reimbursement policies of FBNC in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Independent Contractor.</B>&nbsp;&nbsp;Mr. Garrett will be an independent contractor providing services to FBNC. He will not
be an agent of FBNC with the authority to bind FBNC. FBNC will report all payments to be made hereunder on IRS Forms 1099 as payments
to Mr. Garrett for independent contracting services. Mr. Garrett shall not be entitled to participate in any employee benefits plans or
programs of FBNC (exclusive of his eligibility to participate in group benefit plan(s) through COBRA). FBNC shall not carry worker&rsquo;s
compensation insurance to cover Mr. Garrett. FBNC shall not pay any contributions to Social Security, unemployment insurance, federal
or state withholding taxes, nor provide any other contributions or benefits that might be expected in an employer-employee relationship.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Covenants</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Consideration for Covenants</U>. FBNC and Mr. Garrett acknowledge and agree that (i) the provisions of this Section 6 contain
covenants of a nature by which Mr. Garrett is not bound apart from Mr. Garrett&rsquo;s agreement to this Agreement, and (ii) the payments
provided in this Section 6 are separate consideration in exchange for Mr. Garrett&rsquo;s agreement to such covenants. Accordingly, FBNC
shall pay Mr. Garrett the sum of $150,000 for the Restricted Period, with the amount being paid in 12 equal monthly payments on the last
day of each of the first 12 complete calendar months occurring during the Restricted Period; provided, however, that if a court of competent
jurisdiction finds in a non-appealable final order or judgment or an arbitration panel issues a non-appealable final arbitration decision
that Executive has materially breached the provisions of this Section 6, no such installment payment shall be made to Mr. Garrett following
the date of such order, judgment or decision and any installment paid to Mr. Garrett following the date of such material breach and prior
to the date of such order, judgment or decision shall be refunded by Mr. Garrett to FBNC. Such installment payments shall be made to Mr.
Garrett regardless of the termination of Mr. Garrett&rsquo;s engagement as a consultant pursuant to the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Covenant Not to Compete</U>. During the one (1) year period following the Effective Date (the &ldquo;<U>Restricted Period</U>&rdquo;),
Mr. Garrett shall not within the geographic areas composed of the circles surrounding GSB Bank&rsquo;s banking offices as of the Effective
Date located in the State of South Carolina, with each such circle having the applicable banking office as its center point and a radius
of 30 miles (the &ldquo;<U>Territory</U>&rdquo;), compete with the Company or any of its subsidiaries or affiliates (the &ldquo;<U>Bank
Group</U>&rdquo;); provided, however, that Mr. Garrett&rsquo;s ownership of less than five percent (5%) of the outstanding securities
of any entity engaged in the Business that has a class of securities listed on a securities exchange or quoted on any over-the-counter
market shall not be a violation of the foregoing. &ldquo;<U>Business</U>&rdquo; shall mean the business of commercial banking and the
provision of investment advisory, trust, estate, wealth management and other related financial services to the extent such a service was
offered by a member of the Bank Group on the Effective Date following the Merger. &ldquo;<U>Compete</U>&rdquo; shall mean to: (A) be engaged
or employed by or otherwise assist any Covered Person whose business is competitive with FBNC, whether as a sole proprietor, owner, shareholder,
officer, director, member, manager, partner, joint venturer, franchiser, franchisee, employee, agent, independent contractor or trustee,
or otherwise, in any aspect of FBNC that Mr. Garrett was involved with on behalf of GSB or GSB Bank during any part of the one (1) year
period immediately prior to the Effective Date; or (B) develop, produce, market, sell, furnish, offer and/or otherwise provide any Business
services, or advise or consult with any person, partnership, corporation, limited liability company, or other entity regarding the development,
production, marketing, selling, furnishing, offering or other provision of such Business services.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Covenant Not to Solicit Customers</U>. During the Restricted Period, within the Territory Mr. Garrett shall not, directly or
indirectly, individually or on behalf of any other natural person, corporation, partnership, limited liability company, trust, association,
business association, joint venture, mutual organization or similar entity (a &ldquo;<U>Covered Person</U>&rdquo;) (other than a member
of the Bank Group) offer to provide any Business services to any natural person, partnership, corporation, limited liability company,
or other entity who is or was (i) a customer of any member of the Bank Group during any part of the one (1) year period immediately prior
to the Effective Date, or (ii) a potential customer to whom any member of the Bank Group offered to provide Business services during any
part of the one (1) year period immediately prior to the Effective Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>During the Restricted Period, Mr. Garrett shall not, directly or indirectly, individually or on behalf of any Covered Person, solicit,
recruit or entice, directly or indirectly, any employee of any member of the Bank Group to leave the employment of such member to work
with Mr. Garrett or with any Covered Person with whom Mr. Garrett is or becomes affiliated or associated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Reasonableness of Scope and Duration</U>. The parties hereto agree that the covenants and agreements contained in this Section
6 are reasonable in their time, territory and scope, and they intend that they be enforced, and no party shall raise any issue of the
reasonableness of the time, territory or scope of any such covenants in any proceeding to enforce any such covenants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Enforceability</U>. Mr. Garrett agrees that monetary damages would not be a sufficient remedy for any breach or threatened breach
of the provisions of this Section 6, and that in addition to all other rights and remedies available to FBNC, FBNC shall be entitled to
specific performance and injunctive or other equitable relief as a remedy for any such breach or threatened breach. Any determination
of whether Mr. Garrett has violated such covenants shall be made by arbitration in Greensboro, North Carolina under the Rules of Commercial
Arbitration (the &ldquo;<U>Rules</U>&rdquo;) of the American Arbitration Association, which Rules are deemed to be incorporated by reference
herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Separate Covenants and Severability</U>. The covenants and agreements contained in this Section 6 shall be construed as separate
and independent covenants. Should any part or provision of any such covenant or agreement be held invalid, void or unenforceable in any
court of competent jurisdiction, no other part or provision of this Agreement shall be rendered invalid, void or unenforceable by a court
of competent jurisdiction, no other part or provision of this Agreement shall be rendered invalid, void or unenforceable as a result.
If any portion of the foregoing provisions is found to be invalid or unenforceable by a court of competent jurisdiction unless modified,
it is the intent of the parties that the otherwise invalid or unreasonable term shall be reformed, or a new enforceable term provided,
so as to most closely effectuate the provisions as is validly possible.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Trade Secrets and Confidential Information</B>. Mr. Garrett acknowledges that by virtue of Mr. Garrett&rsquo;s engagement by
FBNC pursuant to this Agreement, Mr. Garrett will have access to Trade Secrets and Confidential Information and that, accordingly, the
provisions set forth in this Section 7 are reasonably necessary to protect FBNC&rsquo;s legitimate business interests, do not interfere
with public policy or public interest, and are described with sufficient accuracy and definiteness to enable Mr. Garrett to understand
the scope of the restrictions imposed upon him.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Trade Secrets and Confidential Information</U>. Mr. Garrett acknowledges that: (A) FBNC has and will disclose to Mr. Garrett
certain Trade Secrets and Confidential Information; (B) such Trade Secrets and Confidential Information are the sole and exclusive property
of FBNC (or a third party providing such information to FBNC) and FBNC or such third party owns all worldwide rights therein under patent,
copyright, trade secret, confidential information, or other property right; and (C) the disclosure of such Trade Secrets and Confidential
Information to Mr. Garrett does not confer upon Mr. Garrett any license, interest or rights of any kind in or to the Trade Secrets or
Confidential Information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.
Garrett may use the Trade Secrets and Confidential Information only in accordance with applicable policies and procedures of FBNC and
solely for FBNC&rsquo;s benefit while Mr. Garrett is engaged by FBNC. Except as authorized in the performance of services for FBNC, Mr.
Garrett will hold in confidence and not directly or indirectly, in any form, by any means, or for any purpose, disclose, reproduce, distribute,
transmit, or transfer any such Trade Secrets or Confidential Information or any portion thereof. Upon FBNC&rsquo;s request, Mr. Garrett
shall return all Trade Secrets and Confidential Information and all related materials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise provided in Section 7(e), if Mr. Garrett is required to disclose any such Trade Secrets or Confidential Information pursuant
to a court order or other government process or such disclosure is necessary to comply with applicable law or defend against claims, he
shall: (i) notify FBNC promptly before any such disclosure is made; (ii) at FBNC&rsquo;s request and expense take all reasonably necessary
steps to defend against such disclosure, including defending against the enforcement of the court order, other government process or claims;
and (iii) permit FBNC to participate with counsel of its choice in any proceeding relating to any such court order, other government process
or claims.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.
Garrett&rsquo;s obligations with regard to Trade Secrets shall remain in effect for as long as such information shall remain a trade secret
under applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.
Garrett&rsquo;s obligations with regard to Confidential Information shall remain in effect while Mr. Garrett is engaged by FBNC and for
10 years thereafter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
used in this Agreement, &ldquo;<U>Trade Secrets</U>&rdquo; means information of FBNC or FBNC&rsquo;s suppliers, customers or prospective
customers, including, but not limited to, data, formulas, patterns, compilations, programs, devices, methods, techniques, processes, financial
data, financial plans, product plans or lists of actual or potential customers or suppliers, which: (1) derives independent actual or
potential commercial value, from not being generally known to or readily ascertainable through independent development by persons or entities
who can obtain economic value from its disclosure or use; and (2) is the subject of efforts that are reasonable under the circumstances
to maintain its secrecy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
used in this Agreement, &ldquo;<U>Confidential Information</U>&rdquo; means information other than Trade Secrets, that is of value to
its owner and is treated as confidential, including, but not limited to, future business plans, marketing campaigns, and information regarding
employees; provided, however, Confidential Information shall not include information which is in the public domain or becomes public knowledge
through no fault of Mr. Garrett.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>FBNC Property</U>. Upon the termination of Mr. Garrett&rsquo;s engagement, he shall: (i) deliver to FBNC all records, memoranda,
data, documents and other property of any description which refer or relate in any way to Trade Secrets or Confidential Information, including
all copies thereof, which are in Mr. Garrett&rsquo;s possession, custody or control; (ii) deliver to FBNC all property of FBNC (including,
but not limited to, keys, customer files, contracts, proposals, work in process, manuals, forms, computer-stored work in process and other
computer data, research materials, other items of business information concerning any customer or business or business methods of FBNC,
including all copies thereof) which are in Mr. Garrett&rsquo;s possession, custody or control; (iii) bring all such records, files and
other materials up to date before returning them; and (iv) fully cooperate with FBNC in winding up Mr. Garrett&rsquo;s work and transferring
that work to other individuals designated by FBNC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Remedies</U>. Mr. Garrett acknowledges that his failure to abide by the provisions of this Section 15 would cause irreparable
harm to FBNC for which legal remedies would be inadequate. Therefore, in addition to any legal or other relief to which FBNC may be entitled
by virtue of Mr. Garrett&rsquo;s failure to abide by these provisions; FBNC may seek legal and equitable relief, including, but not limited
to, preliminary and permanent injunctive relief, for Mr. Garrett&rsquo;s actual or threatened failure to abide by these provisions without
the necessity of posting any bond, and Mr. Garrett will indemnify FBNC for all expenses, including attorneys&rsquo; fees, in seeking to
enforce these provisions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Other Agreements</U>. Nothing in this Agreement shall terminate, revoke or diminish Mr. Garrett&rsquo;s obligations or the FBNC&rsquo;s
rights and remedies under law or any agreements relating to trade secrets, confidential information, non-competition and intellectual
property which Mr. Garrett has executed in the past, or may execute in the future or contemporaneously with this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Permitted Disclosures</U>. Nothing in this Agreement shall be construed to prevent, interfere with or restrict Mr. Garrett&rsquo;s
ability to make disclosures, reports or complaints as authorized, permitted or required by federal or state law, including without limitation
pursuant to the provisions of the Sarbanes-Oxley Act or the Dodd-Frank Wall Street Reform Act and Consumer Protection Act (the &ldquo;Dodd-Frank
Act&rdquo;) or by regulations, rules or orders issued by federal or state regulatory agencies, including without limitation, the North
Carolina Commissioner of Banks, the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, the U.S.
Treasury, or the Securities and Exchange Commission, provided the disclosure does not exceed the extent of disclosure required by such
law, regulation, rules or order. Further, nothing in this Agreement shall prevent, impede or interfere (nor shall it be construed to prevent,
impede or interfere) with (i) Mr. Garrett&rsquo;s obligation to provide full, complete and truthful testimony when so required in response
to a subpoena or order from a court or government agency; (ii) his right to report (including pursuant to whistleblower laws) possible
violations of federal, state or local law or other improper actions/omissions to government agencies, to file a charge or complaint of
discrimination, harassment or retaliation with government agency; or (iii) his right to make confidential disclosures of information (including
trade secrets) to a government agency, or to an attorney who is advising Mr. Garrett, for the purpose of reporting or as part of an investigation
into a suspected violation of law, nor shall it prohibit Mr. Garrett from filing a lawsuit, complaint or other document that contains
a trade secret, so long as the information containing the trade secret is filed under seal and is not otherwise disclosed except pursuant
to court order. Mr. Garrett understands that his rights when making such protected disclosures are more fully described in 18 USC &sect;1833,
as amended, and include immunity from criminal and civil liability from making protected disclosures of trade secrets under the Defend
Trade Secrets Act of 2016. Finally, nothing in this Agreement authorizes FBNC to terminate Mr. Garrett&rsquo;s engagement or otherwise
retaliate against him for engaging in any of the foregoing activities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Notice.</B>&nbsp;&nbsp;For the purposes of this Agreement, notices and all other communications provided for in this Agreement
shall be in writing and shall be deemed to have been duly given when personally delivered or sent by certified mail, return receipt requested,
postage prepaid, addressed to the respective addresses last given by each party to the other; provided however that all notices to FBNC
shall be directed to the attention of the Chief Executive Officer of the Bank. All notices and communications shall be deemed to have
been received on the date of delivery thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Governing Law.</B>&nbsp;&nbsp;This Agreement and all rights hereunder shall be governed by the laws of the State of North Carolina,
except to the extent governed by the laws of the United States of America in which case federal laws shall govern. The parties agree that
any appropriate state court located in North Carolina or federal court for the Eastern District of North Carolina shall have exclusive
jurisdiction of any case or controversy arising under or in connection with this Agreement shall be a proper forum in which to adjudicate
such case or controversy. The parties consent and waive any objection to the jurisdiction or venue of such courts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Non-Waiver.</B>&nbsp;&nbsp;Failure of FBNC to enforce any of the provisions of this Agreement or any rights with respect thereto
shall in no way be considered to be a waiver of such provisions or rights, or in any way affect the validity of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Saving Clause.</B>&nbsp;&nbsp;The provisions of this Agreement shall be deemed severable and the invalidity or unenforceability
of any provision shall not affect the validity or enforceability of the other provisions hereof. If any provision or clause of this Agreement,
or portion thereof, shall be held by any court or other tribunal of competent jurisdiction to be illegal, void, or unenforceable in such
jurisdiction, the remainder of such provision shall not be thereby affected and shall be given full effect, without regard to the invalid
portion. It is the intention of the parties that, if any court construes any provision or clause of this Agreement, or any portion thereof,
to be illegal, void, or unenforceable because of the duration of such provision or the area or matter covered thereby, such court shall
reduce the duration, area, or matter of such provision, and, in its reduced form, such provision shall then be enforceable and shall be
enforced.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Successors; Binding Agreement.</B>&nbsp;&nbsp;The rights and obligations of this Agreement shall bind and inure to the benefit
of the surviving entity in any merger or consolidation in which the Company or the Bank is a party, or any assignee of all or substantially
all of the Company&rsquo;s or the Bank&rsquo;s business and properties. Mr. Garrett&rsquo;s rights and obligations under this Agreement
may not be assigned by him, except that his right to receive accrued but unpaid compensation and unreimbursed expenses as provided under
this Agreement, which survive termination of this Agreement shall pass after death to the personal representatives of his estate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Compliance with Regulatory Restrictions.</B>&nbsp;&nbsp;Notwithstanding anything to the contrary herein, and in addition to
any restrictions stated above, any compensation or other benefits paid to Mr. Garrett shall be limited to the extent required by any federal
or state regulatory agency having authority over the Company or the Bank. Mr. Garrett agrees that compliance by the Company or the Bank
with such regulatory restrictions, even to the extent that compensation paid to him are limited, shall not be a breach of this Agreement
by the Company or the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Compliance with Internal Revenue Code Section 409A.</B>&nbsp;&nbsp;All payments that may be made pursuant to this Agreement
are intended to qualify for an exclusion from Section 409A of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;) and
any related regulations or other pronouncements thereunder and, to the extent not excluded, to meet the requirements of Section 409A of
the Code. Any payments made under Section 3 or Section 6 of this Agreement which are paid on or before the last day of the applicable
period for the short-term deferral exclusion under Treasury Regulation &sect;1.409A-1(b)(4) are intended to be excluded under such short-term
deferral exclusion. Each payment made under Section 3 or Section 6 shall be treated as a &ldquo;separate payment&rdquo;, as defined in
Treasury Regulation &sect;1.409A-2(b)(2), for purposes of Code Section 409A. None of the payments under this Agreement are intended to
result in the inclusion in Mr. Garrett&rsquo;s federal gross income on account of a failure under Section 409A(a)(1) of the Code. The
parties intend to administer and interpret this Agreement to carry out such intentions. However, FBNC does not represent, warrant or guarantee
that any payments that may be made pursuant to this Agreement will not result in inclusion in Mr. Garrett&rsquo;s gross income, or any
penalty, pursuant to Section 409A(a)(1) of the Code or any similar state statute or regulation. In addition, FBNC shall pay all reimbursements
hereunder as soon as administratively practicable, but in no event shall any such reimbursements be paid after the last day of the taxable
year following the year in which the expense was incurred.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Entire Agreement.</B>&nbsp;&nbsp;This Agreement constitutes the entire agreement between the parties hereto and supersedes all
prior agreements, if any understandings and arrangements, oral or written, between the parties hereto with respect to the subject matter
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Survival.</B>&nbsp;&nbsp;The parties acknowledge that obligations of the parties pursuant to Section 6 of this Agreement shall
survive the termination of this Agreement hereunder for the period designated under Section 6.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><B>Counterparts.</B>&nbsp;&nbsp;This Agreement may be executed in one or more counterparts, each of which shall be deemed an original
but all of which together shall constitute one and the same instrument.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page Follows]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF, the Company
and the Bank each have caused this Agreement to be executed by their respective officers thereunto duly authorized and Mr. Garrett has
signed this Agreement, as of the date described above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; border-collapse: collapse; width: 100%">
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">FIRST BANCORP</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 50%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; width: 47%">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Michael G. Mayer, President</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">FIRST BANK</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Michael G. Mayer, President and</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Chief Executive Officer</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="font-size: 10pt; vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">John B. Garrett</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><I>[Signature Page to Consulting Agreement - John B. Garrett]</I></P>

<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="margin: 0pt"></P>

<!-- Field: Page; Sequence: 205 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PART&nbsp;II<BR>
INFORMATION NOT REQUIRED IN PROSPECTUS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Item 20. <I>Indemnification of Directors and
Officers.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The NCBCA provides for indemnification
by a corporation of its officers, directors, employees and agents, and any person who is or was serving at the corporation&rsquo;s request
as a director, officer, employee or agent of another entity or enterprise or as a trustee or administrator under an employee benefit plan,
against liability and expenses, including reasonable attorneys&rsquo; fees, in any proceeding (including without limitation a proceeding
brought by or on behalf of the corporation itself) arising out of their status as such or their activities in any of the foregoing capacities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Permissible
indemnification. </I></B></FONT>Under the NCBCA, a corporation may, but is not required to, indemnify any such person against liability
and expenses incurred in any such proceeding, provided such person conducted himself or herself in good faith and (i)&nbsp;in the case
of conduct in his or her official capacity, reasonably believed that his or her conduct was in the corporation&rsquo;s best interests,
and (ii)&nbsp;in all other cases, reasonably believed that his or her conduct was at least not opposed to the corporation&rsquo;s best
interests; and, in the case of a criminal proceeding, where he or she had no reasonable cause to believe his or her conduct was unlawful.
However, a corporation may not indemnify such person either in connection with a proceeding by or in the right of the corporation in which
such person was adjudged liable to the corporation, or in connection with any other proceeding charging improper personal benefit to such
person (whether or not involving action in an official capacity) in which such person was adjudged liable on the basis that personal benefit
was improperly received.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Mandatory
indemnification. </I></B></FONT>Unless limited by the corporation&rsquo;s charter, the NCBCA requires a corporation to indemnify a director
or officer of the corporation who is wholly successful, on the merits or otherwise, in the defense of any proceeding to which such person
was a party because he or she is or was a director or officer of the corporation against reasonable expenses incurred in connection with
the proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Advance
for expenses</I></B></FONT><I>. </I>Expenses incurred by a director, officer, employee or agent of the corporation in defending a proceeding
may be paid by the corporation in advance of the final disposition of the proceeding as authorized by the board of directors of the specific
case, or as authorized by the charter or bylaws or by any applicable resolution or contract, upon receipt of an undertaking by or on behalf
of such person to repay amounts advanced unless it ultimately is determined that such person is entitled to be indemnified by the corporation
against such expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Court-ordered
indemnification. </I></B></FONT>Unless otherwise provided in the corporation&rsquo;s charter, a director or officer of the corporation
who is a party to a proceeding may apply for indemnification to the court conducting the proceeding or to another court of competent jurisdiction.
On receipt of an application, the court, after giving any notice the court deems necessary, may order indemnification if it determines
either (i)&nbsp;that the director or officer is entitled to mandatory indemnification as described above, in which case the court also
will order the corporation to pay the reasonable expenses incurred to obtain the court-ordered indemnification, or (ii)&nbsp;that the
director or officer is fairly and reasonably entitled to indemnification in view of all the relevant circumstances, whether or not such
person met the requisite standard of conduct or was adjudged liable to the corporation in connection with a proceeding by or in the right
of the corporation or on the basis that personal benefit was improperly received in connection with any other proceeding so charging (but
if adjudged so liable, indemnification is limited to reasonable expenses incurred).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Voluntary
indemnification. </I></B></FONT>In addition to and separate and apart from &ldquo;permissible&rdquo; and &ldquo;mandatory&rdquo; indemnification
described above, a corporation may, by charter, bylaw, contract, or resolution, indemnify or agree to indemnify any one or more of its
directors, officers, employees or agents against liability and expenses in any proceeding (including any proceeding brought by or on behalf
of the corporation itself) arising out of their status as such or their activities in any of the foregoing capacities. However, the corporation
may not indemnify or agree to indemnify a person against liability or expenses he may incur on account of activities which were at the
time taken, known or believed by such person to be clearly in conflict with the best interests of the corporation. Any provision in a
corporation&rsquo;s charter or bylaws or in a contract or resolution may include provisions for recovery from the corporation of reasonable
costs, expenses and attorney&rsquo;s fees in connection with the enforcement of rights to indemnification granted therein and may further
include provisions establishing reasonable procedures for determining and enforcing such rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Parties
entitled to indemnification. </I></B></FONT>The NCBCA defines &ldquo;director&rdquo; to include ex-directors and the estate or personal
representative of a director. Unless its charter provides otherwise, a corporation may indemnify and advance expenses to an officer, employee
or agent of the corporation to the same extent as to a director and also may indemnify and advance expenses to an officer, employee or
agent who is not a director to the extent, consistent with public policy, as may be provided in its charter or bylaws, by general or specific
action of its board of directors, or by contract.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Indemnification
by First Bancorp. </I></B></FONT>First Bancorp&rsquo;s articles of incorporation, provide that no director of First Bancorp shall be personally
liable to First Bancorp or its shareholders for breach of his or her duty of care or other duty as a director, but only to the extent
permitted from time to time by the NCBCA. First Bancorp&rsquo;s bylaws provide that any person who at any time serves or has served as
a director or officer of First Bancorp or of any wholly owned subsidiary of First Bancorp, or in such capacity at the request of First
Bancorp for any other foreign or domestic corporation, partnership, joint venture, trust or other enterprise, or as a trustee or administrator
under any employee benefit plan of First Bancorp or of any wholly owned subsidiary thereof has the right to be indemnified and held harmless
by First Bancorp to the fullest extent from time to time permitted by law against all liabilities and litigation expenses in the event
a claim is made or threatened against that person in, or that person is made or threatened to be made a party to, any threatened, pending
or completed action, suit or proceeding, whether civil, criminal, administrative or investigative, and whether or not brought by or on
behalf of First Bancorp, including all appeals therefrom, arising out of that person&rsquo;s status as such or that person&rsquo;s activities
in any such capacity; provided, however, that such indemnification shall not be available with respect to (a)&nbsp;that portion of any
liabilities or litigation expenses with respect to which the claimant is entitled to receive payment under any insurance policy or (b)&nbsp;any
liabilities or litigation expenses incurred on account of any of the claimant&rsquo;s activities which were at the time taken known or
believed by the claimant to be clearly in conflict with the best interests of First Bancorp.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Insurance.
</I></B></FONT>The NCBCA provides that a corporation may purchase and maintain insurance on behalf of an individual who is or was a director,
officer, employee or agent to the corporation against certain liabilities incurred by such persons, whether or not the corporation is
otherwise authorized under North Carolina law to indemnify such party. First Bancorp currently maintain directors&rsquo; and officers&rsquo;
insurance policies covering our directors and officers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Summary
Only. </I></B></FONT>The foregoing is only a general summary of certain aspects of North Carolina law dealing with indemnification of
directors and officers and does not purport to be complete. It is qualified in its entirety by reference to the relevant statutes, First
Bancorp&rsquo;s articles of incorporation and bylaws, which contain detailed specific provisions regarding the circumstances under which,
and the person for whose benefit, indemnification shall or may be made.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B><I>Securities
Act. </I></B></FONT>Insofar as indemnification for liabilities arising under the Securities Act may be permitted to First Bancorp&rsquo;s
directors, officers and controlling persons pursuant to the foregoing provisions, or otherwise, First Bancorp has been advised that in
the opinion of the Securities and Exchange Commission, such indemnification is against public policy as expressed in the Securities Act,
and is, therefore, unenforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Item 21. <I>Exhibits and Financial Statement
Schedules</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(a)</TD><TD STYLE="text-align: justify">Exhibits.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Exhibit<BR>
No.</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 89%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Description</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><A HREF="#iii_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.1</FONT></A></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: justify"><A HREF="#iii_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement and Plan of Merger and Reorganization, dated as of June&nbsp;21, 2022, by and between First Bancorp and GrandSouth Bancorporation (attached as Annex A to the proxy statement/prospectus forming a part of this Registration Statement).</FONT></A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Articles of Incorporation of First Bancorp and amendments thereto were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431702000860/form10q_45858-0802.txt" STYLE="-sec-extract: exhibit">Exhibits 3.a.i through 3.a.v</A> to First Bancorp&rsquo;s Quarterly Report on Form&nbsp;10-Q for the period ended June&nbsp;30, 2002, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431709000094/ex3-1.htm" STYLE="-sec-extract: exhibit">Exhibits 3.1</A> and <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431709000094/ex3-2.htm" STYLE="-sec-extract: exhibit">3.2</A> to First Bancorp&rsquo;s Current Report on Form&nbsp;8-K filed on January&nbsp;13, 2009, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431710001090/ex3-1b.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;3.1.b</A> to First Bancorp&rsquo;s Registration Statement on Form&nbsp;S-3D filed on June&nbsp;29, 2010 (Commission File No.&nbsp;333-167856), and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431711001242/ex3_1.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;3.1</A> to First Bancorp&rsquo;s Current Report on Form&nbsp;8-K filed on September&nbsp;6, 2011, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431712001628/ex3-1.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;3.1</A> to First Bancorp&rsquo;s Current Report on Form&nbsp;8-K filed on December&nbsp;26, 2012, and are incorporated herein by reference.&nbsp;&nbsp;Articles of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000081158922000027/iv6fe8b85d9a234253ab0cf8.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;99.1</A> to First Bancorp&rsquo;s Current Report on Form&nbsp;8-K filed on June&nbsp;14, 2022, and are incorporated herein by reference.</FONT></TD></TR>
</TABLE>

<P STYLE="font-size: 10pt; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="margin: 0; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 10%"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000117494718000175/ex3-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.2</FONT></A> </TD>
    <TD STYLE="text-align: center; width: 1%"> &nbsp; </TD>
    <TD STYLE="text-align: justify; width: 89%"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000117494718000175/ex3-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amended
    and Restated Bylaws of First Bancorp were filed as Exhibit&nbsp;3.1 to the Company&rsquo;s Current Report on Form&nbsp;8-K filed
    on February&nbsp;9, 2018, and are incorporated herein by reference. </FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/0000914317-99-000496-index.html" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/0000914317-99-000496-index.html" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form&nbsp;of
    Common Stock Certificate was filed as Exhibit&nbsp;4 to First Bancorp&rsquo;s Quarterly Report on Form&nbsp;10-Q for the quarter
    ended June&nbsp;30, 1999, and is incorporated herein by reference.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex5-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;5.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex5-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Opinion
    of Brooks, Pierce, McLendon, Humphrey&nbsp;&amp; Leonard, L.L.P. </FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex8-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;8.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex8-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Opinion
    of Brooks, Pierce, McLendon, Humphrey&nbsp;&amp; Leonard, L.L.P. as to the federal income tax consequences of the merger to First
    Bancorp and GrandSouth Bancorporation </FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000081158922000010/fbnc-20211231xex21subsidia.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000081158922000010/fbnc-20211231xex21subsidia.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiaries
    of First Bancorp, incorporated by reference to Exhibit&nbsp;21 to First Bancorp&rsquo;s Annual Report on Form&nbsp;10-K for the year
    ended December&nbsp;31, 2021, filed with the SEC on March&nbsp;1, 2022.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex23-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex23-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of BDO USA, LLP.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex23-2.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.2</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex23-2.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of Elliott Davis, LLC.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.3</FONT> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent of Brooks, Pierce,
McLendon, Humphrey and Leonard L.L.P. (included in Exhibits <A HREF="tm2226035d1_ex5-1.htm">5.1</A> and <A HREF="tm2226035d1_ex8-1.htm">8.1</A>).</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><A HREF="https://www.sec.gov/Archives/edgar/data/811589/000110465922095092/tm2224511d1_s4.htm#iii_001"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24.1</FONT> </A></TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"><A HREF="https://www.sec.gov/Archives/edgar/data/811589/000110465922095092/tm2224511d1_s4.htm#iii_001"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Power
    of Attorney (included on the Signature Page&nbsp;to the Registration Statement on Form S-4 filed on August 26, 2022 (Commission File
    No. 333-267089)).</FONT> </A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex99-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex99-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Forms
    of Proxy of GrandSouth Bancorporation.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex99-2.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.2</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex99-2.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of Piper Sandler&nbsp;&amp; Co.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex99-3.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.3</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex99-3.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of Mason Y. Garrett as Director Nominee. </FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex99-4.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;99.4</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex99-4.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of J. Randolph Potter as Director Nominee. </FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><A HREF="tm2226035d1_ex-filingfees.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">107</FONT> </A></TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"><A HREF="tm2226035d1_ex-filingfees.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Calculation
    of Filing Fee.</FONT> </A></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>Item 22. <I>Undertakings</I>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The undersigned registrant
hereby undertakes:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(1)&nbsp;To file, during any
period in which offers or sales are being made, a post-effective amendment to this registration statement: (i)&nbsp;to include any prospectus
required by Section&nbsp;10(a)(3)&nbsp;of the Securities Act of 1933; (ii)&nbsp;to reflect in the prospectus any facts or events arising
after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in
the aggregate, represent a fundamental change in the information set forth in the registration statement (notwithstanding the foregoing,
any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which
was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus
filed with the SEC pursuant to Rule&nbsp;424(b)&nbsp;if, in the aggregate, the changes in volume and price represent no more than a 20%
change in the maximum aggregate offering price set forth in the &ldquo;Calculation of Registration Fee&rdquo; table in the effective registration
statement); and (iii)&nbsp;to include any material information with respect to the plan of distribution not previously disclosed in the
registration statement or any material change to such information in the registration statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(2)&nbsp;That, for the purpose
of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial
<I>bona fide</I> offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(3)&nbsp;To remove from registration
by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(4)&nbsp;That, for purposes
of determining any liability under the Securities Act of 1933, each filing of the registrant&rsquo;s annual report pursuant to Section&nbsp;13(a)&nbsp;or
15(d)&nbsp;of the Securities Exchange Act of 1934 (and, where applicable, each filing of an employee benefit plan&rsquo;s annual report
pursuant to Section&nbsp;15(d)&nbsp;of the Securities Exchange Act of 1934) that is incorporated by reference in this registration statement
shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at
that time shall be deemed to be the initial <I>bona fide</I> offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(5)&nbsp;That prior to any
public reoffering of the securities registered hereunder through use of a prospectus which is a part of this registration statement, by
any person or party who is deemed to be an underwriter within the meaning of Rule&nbsp;145(c), the registrant undertakes that such reoffering
prospectus will contain the information called for by the applicable registration form with respect to reofferings by persons who may
be deemed underwriters, in addition to the information called for by the other items of the applicable form.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(6)&nbsp;That every prospectus
(i)&nbsp;that is filed pursuant to paragraph (5)&nbsp;above, or (ii)&nbsp;that purports to meet the requirements of Section&nbsp;10(a)(3)&nbsp;of
the Securities Act and is used in connection with an offering of securities subject to Rule&nbsp;415, will be filed as a part of an amendment
to the registration statement and will not be used until such amendment has become effective, and that for the purpose of determining
any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new registration statement
relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <I>bona
fide</I> offering thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(7)&nbsp;To respond to requests
for information that is incorporated by reference into the prospectus pursuant to Items 4, 10(b), 11 or 13 of this Form, within one business
day of receipt of such request, and to send the incorporated documents by first class mail or other equally prompt means. This includes
information contained in documents filed subsequent to the effective date of the registration statement through the date of responding
to the request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(8)&nbsp;To supply by means
of a post-effective amendment all information concerning a transaction, and the company being acquired involved therein, that was not
the subject of and included in this registration statement when it became effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(9)&nbsp;Insofar as indemnification
for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant
pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange
Commission such indemnification is against public policy as expressed in the Securities Act of 1933 and is, therefore, unenforceable.
In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred
or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is
asserted by such director, officer, or controlling person in connection with the securities being registered, the registrant will, unless
in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the
question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final
adjudication of such issue.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><A NAME="iii_001"></A><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> Pursuant to the requirements
of the Securities Act of 1933, as amended, First Bancorp has duly caused this Pre-effective Amendment No. 1 to Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in Southern Pines, State of North Carolina, on September 19, 2022. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>FIRST BANCORP</B></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 36%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 50%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Richard H. Moore</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Richard H. Moore</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Chief Executive Officer</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> <B>SIGNATURES</B> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pursuant
to the requirements of the Securities Act of 1933, as amended, this Pre-effective Amendment No. 1 to Registration Statement has been
signed by the following persons in the capacities indicated on September 19, 2022</FONT>. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Executive Officers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid; width: 49%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
  Richard H. Moore</FONT></TD>
  <TD STYLE="width: 2%">&nbsp;</TD>
  <TD STYLE="border-bottom: Black 1pt solid; width: 49%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
  Elizabeth B. Bostian</FONT></TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>Richard H. Moore</TD>
  <TD>&nbsp;</TD>
  <TD>Elizabeth B. Bostian</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>Chief Executive Officer</TD>
  <TD>&nbsp;</TD>
  <TD>Executive Vice President</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD>
  <TD>Chief Financial Officer</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Blaise B.
  Buczkowski</FONT></TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>Blaise B. Buczkowski</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>Executive Vice President</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD>Chief Accounting Officer</TD>
  <TD>&nbsp;</TD>
  <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>Board of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid; width: 49%"> * </TD>
  <TD STYLE="width: 2%"> &nbsp; </TD>
  <TD STYLE="border-bottom: Black 1pt solid; width: 49%"> * </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Mary Clara Capel </TD>
  <TD> &nbsp; </TD>
  <TD> Abby J. Donnelly </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Director </TD>
  <TD> &nbsp; </TD>
  <TD> Director </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD>
  <TD> &nbsp; </TD>
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Chairman of the Board </TD>
  <TD> &nbsp; </TD>
  <TD> John B. Gould </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Director </TD>
  <TD> &nbsp; </TD>
  <TD> Director </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD>
  <TD> &nbsp; </TD>
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Suzanne DeFerie </TD>
  <TD> &nbsp; </TD>
  <TD> Michael G. Mayer </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Director </TD>
  <TD> &nbsp; </TD>
  <TD> President and Director </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD>
  <TD> &nbsp; </TD>
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> John W. McCauley </TD>
  <TD> &nbsp; </TD>
  <TD> O. Temple Sloan,&nbsp;III </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Director </TD>
  <TD> &nbsp; </TD>
  <TD> Director </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD>
  <TD> &nbsp; </TD>
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Carlie C. McLamb,&nbsp;Jr. </TD>
  <TD> &nbsp; </TD>
  <TD> Frederick L. Taylor II </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Director </TD>
  <TD> &nbsp; </TD>
  <TD> Director </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD>
  <TD> &nbsp; </TD>
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Richard H. Moore </TD>
  <TD> &nbsp; </TD>
  <TD> Virginia C. Thomasson </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Director </TD>
  <TD> &nbsp; </TD>
  <TD> Director </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD>
  <TD> &nbsp; </TD>
  <TD STYLE="border-bottom: Black 1pt solid"> * </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Dexter V. Perry </TD>
  <TD> &nbsp; </TD>
  <TD> Dennis A. Wicker </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Director </TD>
  <TD> &nbsp; </TD>
  <TD> Director </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD STYLE="border-bottom: Black 1pt solid"> * By: <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Richard
  H. Moore</FONT> </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Richard H. Moore </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
  <TD> Attorney- in-fact </TD>
  <TD> &nbsp; </TD>
  <TD> &nbsp; </TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; border-bottom: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Exhibit<BR>
    No.</B></FONT> </TD>
    <TD STYLE="width: 1%; text-align: center"> &nbsp; </TD>
    <TD STYLE="vertical-align: bottom; width: 89%; border-bottom: black 1pt solid; text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Description</B></FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="#iii_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;2.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="#iii_007"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Agreement
    and Plan of Merger and Reorganization, dated as of June&nbsp;21, 2022, by and between First Bancorp and GrandSouth Bancorporation
    (attached as Annex A to the proxy statement/prospectus forming a part of this Registration Statement).</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Articles of Incorporation
    of First Bancorp and amendments thereto were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431702000860/form10q_45858-0802.txt" STYLE="-sec-extract: exhibit">Exhibits
    3.a.i through 3.a.v</A> to First Bancorp&rsquo;s Quarterly Report on Form&nbsp;10-Q for the period ended June&nbsp;30, 2002, and
    are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431709000094/ex3-1.htm" STYLE="-sec-extract: exhibit">Exhibits
    3.1</A> and <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431709000094/ex3-2.htm" STYLE="-sec-extract: exhibit">3.2</A>
    to First Bancorp&rsquo;s Current Report on Form&nbsp;8-K filed on January&nbsp;13, 2009, and are incorporated herein by reference.
    Articles of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431710001090/ex3-1b.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;3.1.b</A>
    to First Bancorp&rsquo;s Registration Statement on Form&nbsp;S-3D filed on June&nbsp;29, 2010 (Commission File No.&nbsp;333-167856),
    and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431711001242/ex3_1.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;3.1</A>
    to First Bancorp&rsquo;s Current Report on Form&nbsp;8-K filed on September&nbsp;6, 2011, and are incorporated herein by reference.
    Articles of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000091431712001628/ex3-1.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;3.1</A>
    to First Bancorp&rsquo;s Current Report on Form&nbsp;8-K filed on December&nbsp;26, 2012, and are incorporated herein by reference.&nbsp;&nbsp;Articles
    of Amendment to the Articles of Incorporation were filed as <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000081158922000027/iv6fe8b85d9a234253ab0cf8.htm" STYLE="-sec-extract: exhibit">Exhibit&nbsp;99.1</A>
    to First Bancorp&rsquo;s Current Report on Form&nbsp;8-K filed on June&nbsp;14, 2022, and are incorporated herein by reference.</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000117494718000175/ex3-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.2</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000117494718000175/ex3-1.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amended
    and Restated Bylaws of First Bancorp were filed as Exhibit&nbsp;3.1 to the Company&rsquo;s Current Report on Form&nbsp;8-K filed
    on February&nbsp;9, 2018, and are incorporated herein by reference. </FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/0000914317-99-000496-index.html" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/0000914317-99-000496-index.html" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form&nbsp;of
    Common Stock Certificate was filed as Exhibit&nbsp;4 to First Bancorp&rsquo;s Quarterly Report on Form&nbsp;10-Q for the quarter
    ended June&nbsp;30, 1999, and is incorporated herein by reference.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex5-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex5-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Opinion
    of Brooks, Pierce, McLendon, Humphrey&nbsp;&amp; Leonard, L.L.P. </FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex8-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex8-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Opinion
    of Brooks, Pierce, McLendon, Humphrey&nbsp;&amp; Leonard, L.L.P. as to the federal income tax consequences of the merger to First
    Bancorp and GrandSouth Bancorporation </FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000081158922000010/fbnc-20211231xex21subsidia.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000081158922000010/fbnc-20211231xex21subsidia.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsidiaries
    of First Bancorp, incorporated by reference to Exhibit&nbsp;21 to First Bancorp&rsquo;s Annual Report on Form&nbsp;10-K for the year
    ended December&nbsp;31, 2021, filed with the SEC on March&nbsp;1, 2022.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><A HREF="tm2226035d1_ex23-1.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.1</FONT> </A></TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"><A HREF="tm2226035d1_ex23-1.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of BDO USA, LLP.</FONT> </A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><A HREF="tm2226035d1_ex23-2.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.2</FONT> </A></TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"><A HREF="tm2226035d1_ex23-2.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of Elliott Davis, LLC.</FONT> </A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23.3</FONT> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent of Brooks, Pierce,
McLendon, Humphrey and Leonard L.L.P. (included in Exhibits <A HREF="tm2226035d1_ex5-1.htm">5.1</A> and <A HREF="tm2226035d1_ex8-1.htm">8.1</A>).</FONT> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000110465922095092/tm2224511d1_s4.htm#iii_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="https://www.sec.gov/Archives/edgar/data/811589/000110465922095092/tm2224511d1_s4.htm#iii_001"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Power
    of Attorney (included on the Signature Page&nbsp;to the Registration Statement on Form S-4 filed on August 26, 2022 (Commission File
    No. 333-267089)).</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex99-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.1</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex99-1.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Forms
    of Proxy of GrandSouth Bancorporation.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><A HREF="tm2226035d1_ex99-2.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.2</FONT> </A></TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"><A HREF="tm2226035d1_ex99-2.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of Piper Sandler&nbsp;&amp; Co.</FONT> </A></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex99-3.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.3</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex99-3.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of Mason Y. Garrett as Director Nominee.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"> <A HREF="tm2226035d1_ex99-4.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">99.4</FONT></A> </TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"> <A HREF="tm2226035d1_ex99-4.htm"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consent
    of J. Randolph Potter as Director Nominee.</FONT></A> </TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><A HREF="tm2226035d1_ex-filingfees.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">107</FONT> </A></TD>
    <TD STYLE="text-align: center"> &nbsp; </TD>
    <TD STYLE="text-align: justify"><A HREF="tm2226035d1_ex-filingfees.htm" STYLE="-sec-extract: exhibit"> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Calculation
    of Filing Fee.</FONT> </A></TD></TR>
  </TABLE>
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<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>tm2226035d1_ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 5.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[Letterhead of Brooks, Pierce, McLendon, Humphrey,
and Leonard, LLP]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">September 19, 2022&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Bancorp</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">300 SW Broad Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Southern Pines,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">North Carolina 28387</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have acted as counsel to First Bancorp, a North
Carolina corporation (the &ldquo;Company&rdquo;), in connection with the Registration Statement on Form S-4 (File No. 333-267089) filed
by the Company with the Securities and Exchange Commission (the &ldquo;Commission&rdquo;) on August 26, 2022 and amended as of the date
hereof (the &ldquo;Registration Statement&rdquo;), pursuant to the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;),
relating to the registration of up to 6,128,853 shares of common stock, no par value per share (the &ldquo;Shares&rdquo;), that may be
issued by the Company in connection with the contemplated merger (the &ldquo;Merger&rdquo;) of GrandSouth Bancorporation, a South Carolina
corporation (&ldquo;GrandSouth&rdquo;), with and into the Company, pursuant to the Agreement and Plan of Merger and Reorganization (the
 &ldquo;Merger Agreement&rdquo;), dated as of June 21, 2022, by and between the Company and GrandSouth (the &ldquo;Agreement&rdquo;), as
described in the Proxy Statement/Prospectus, which constitutes a part of the Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In providing the opinion set forth below, we have
reviewed resolutions of the Board of Directors of the Company approving the Merger and the issuance of the Shares and originals, or copies
of originals certified or otherwise identified to our satisfaction, of such other documents, records, instruments and certificates as
we have deemed appropriate in connection with the opinion set forth below.&nbsp;&nbsp;In providing the opinion set forth below, we have
assumed that (i) all information contained in all documents reviewed by us is correct, (ii) all signatures on all documents reviewed by
us are genuine, (iii) all documents submitted to us as originals are true and correct, (iv) all documents submitted to us as copies are
true and complete copies of originals thereof and (v) each natural person signing any document reviewed by us had the legal capacity to
do so at the time of signing.&nbsp;&nbsp;As to all factual matters material to this letter, we have also relied upon certificates or comparable
documents of public officials and officers and representatives of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Based upon the foregoing, and subject to the limitations,
assumptions and qualifications set forth in this letter, it is our opinion that when (i) the Registration Statement has been declared
effective by the Commission and (ii) the Shares are issued upon the terms and conditions set forth in the Agreement, the Shares will be
legally issued, fully paid and nonassessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our opinion is limited to matters of North Carolina
law, and we are expressing no opinion as to the effect of the laws of any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our opinion is provided as of the date hereof,
and we undertake no obligation to advise you of any changes in applicable law or any other matters that may come to our attention after
the date hereof.&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We hereby consent (i) to be named in the Registration
Statement and in the Proxy Statement/Prospectus contained therein under the heading &ldquo;Legal Matters&rdquo; as attorneys who passed
upon the validity of the Shares and (ii) to the filing of this opinion as Exhibit 5.1 to the Registration Statement. In giving the foregoing
consents, we do not admit that we come within the category of persons whose consent is required under Section 7 of the Securities Act
or the rules and regulations of the Commission promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; width: 50%">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Very truly yours, &nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left; white-space: nowrap">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/ Brooks, Pierce, McLendon, Humphrey, and Leonard, LLP &nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<TYPE>EX-8.1
<SEQUENCE>3
<FILENAME>tm2226035d1_ex8-1.htm
<DESCRIPTION>EXHIBIT 8.1
<TEXT>
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<P STYLE="margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Exhibit&nbsp;8.1</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[Letterhead of Brooks, Pierce, McLendon, Humphrey,
and Leonard, LLP]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">September&nbsp;19, 2022</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors of&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Bancorp&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">300 SW Broad Street&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Southern Pines, NC 28387</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board of Directors of&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">GrandSouth Bancorporation&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">381 Halton Road&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Greenville, South Carolina 29601</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><B>Re:</B></TD><TD><B>Agreement and Plan of Merger and Reorganization, dated as of June&nbsp;21, 2022 (the &quot;Agreement&quot;) by and between GrandSouth
Bancorporation (&quot;GSB&quot;) and First Bancorp (&quot;FB&quot;) United States Federal Income Tax Consequences</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We have served as counsel
to FB in connection with the Agreement, pursuant to which it is contemplated that GSB will, subject to the terms and conditions set forth
therein, merge with and into FB (the &quot;Merger&quot;), so that FB is the surviving corporation in the Merger, as more fully described
in the Proxy Statement/Prospectus, which constitutes a part of the Registration Statement on Form&nbsp;S-4 (File No.&nbsp;333-267089)
filed by FB with the Securities and Exchange Commission, as amended or supplemented through the date hereof (the &quot;Registration Statement&quot;).
The opinion set forth herein concerning Federal income tax consequences is being rendered at your request pursuant to Section&nbsp;8.1(g)&nbsp;of
the Agreement, and in connection with the Registration Statement. All capitalized terms herein, unless otherwise specified, have the meanings
assigned to them in the Registration Statement and the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Under the Agreement, immediately
prior to the Effective Time, all of the shares of Series&nbsp;A preferred stock, no par value, of GSB shall automatically convert to shares
of common stock, no par value per share, of GSB (the &ldquo;GSB Common Stock&rdquo;). At the Effective Time, subject to the terms of the
Agreement, all of the shares of GSB Common Stock will be converted into the right to receive 0.910 shares of common stock, no par value
per share, of FB (the &ldquo;FB Common Stock&rdquo;). In addition, cash will be paid in lieu of fractional shares of FB Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In providing our opinion,
we have examined and, with your permission, have relied on the representations and warranties contained in and the facts described in
(i)&nbsp;the Agreement, (ii)&nbsp;the Registration Statement, (iii)&nbsp;certain written representations and covenants of GSB and FB (the
 &quot;Company Certificates&quot;), and (iv)&nbsp;such other records, documents, and other instruments as we have deemed appropriate for
the purposes of this letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">September&nbsp;19, 2022&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page&nbsp;2</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In rendering our opinion,
we have also relied, with your consent, upon the following assumptions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(1)</FONT></TD><TD STYLE="text-align: justify">The factual statements and representations described above, as well as those contained in the Agreement,
the Registration Statement, and the Company Certificates, are true, correct, and complete, and will continue to be true, correct, and
complete through and as of the Effective Time, and all such factual statements and representations made &quot;to the knowledge&quot; of
any person or party or with similar qualifications are true, correct, and complete, and will continue to be true, correct, and complete
through and as of the Effective Time, as if made without such qualifications.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(2)</FONT></TD><TD STYLE="text-align: justify">The Agreement, the Registration Statement, and the Company Certificates reflect all material facts relating
to the Merger.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(3)</FONT></TD><TD STYLE="text-align: justify">The Merger will be consummated in accordance with the terms of the Agreement and as described in the Registration
Statement, and none of the terms and conditions therein will have been waived or modified in any respect before the Effective Time.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(4)</FONT></TD><TD STYLE="text-align: justify">Other than the Agreement, there are no understandings or agreements between or among the parties or their
affiliates that bear directly or indirectly on the Merger.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(5)</FONT></TD><TD STYLE="text-align: justify">GSB and FB, as applicable, will report the Merger on their Federal income tax returns in a manner consistent
with the opinion set forth herein, and will comply with all reporting obligations with respect to the Merger required by the Code.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif">(6)</FONT></TD><TD STYLE="text-align: justify">All documents submitted to us as certified, conformed or photostatic copies, and the originals of any
such copies, are authentic; all such copies conform to the originals; all signatures on such documents are genuine, and the natural persons
so signing possessed the legal capacity to do so; and all documents submitted to us in draft or unexecuted form will be timely and validly
executed without alteration in any respect.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In rendering our opinion,
with your permission, we have not undertaken any independent investigation or verification of any fact or matter set forth in any document
or materials or any assumption upon which we have relied (including, without limitation, any statement or representation contained in
the Company Certificates), and we expressly disclaim any intent, undertaking, or obligation to make any such investigation or verification.
In the course of preparing our opinion, nothing has come to our attention that would lead us to believe that any of the information upon
which we have relied in rendering our opinion is incorrect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Based on and subject to the
foregoing and the other limitations, assumptions, qualifications and exclusions set forth in this letter, we are of the opinion that (i)&nbsp;the
Merger will be treated for federal income tax purposes as a reorganization within the meaning of Section&nbsp;368(a)&nbsp;of the Code,
(ii)&nbsp;FB and GSB will each be a party to that reorganization within the meaning of Section&nbsp;368(b)&nbsp;of the Code, and (iii)&nbsp;that
the U.S. federal income tax consequences of the Merger to certain U.S. holders of GSB Common Stock will be as described in the Registration
Statement under the heading &quot;U.S. Federal Income Tax Consequences of the Merger.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">September&nbsp;19, 2022&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Page&nbsp;3</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Except as set forth above,
we express no opinion as to the tax consequences to any party, whether Federal, state, local, or foreign, of the Merger or of any transactions
related to the Merger or contemplated by the Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The foregoing opinion is being
furnished solely for the purpose referred to in the first paragraph of this letter. The opinion set forth herein is made as of the date
hereof, and we assume no obligation to supplement this letter if any applicable laws change after the date hereof or if we become aware
after the date hereof of any facts that might change the opinion expressed herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The foregoing opinion is effective
as of the date hereof; it is based on current provisions of the Code and Treasury regulations promulgated thereunder, pertinent judicial
authorities, published rulings and other administrative pronouncements of the Internal Revenue Service (the &quot;IRS&quot;), and such
other authorities as we have considered relevant. It should be noted that statutes, regulations, judicial decisions, and administrative
pronouncements are subject to change at any time, and, in certain circumstances, with retroactive effect. Any change in applicable laws
or the facts and circumstances surrounding the Merger or any inaccuracy in the factual statements, representations, or warranties upon
which we have relied, including those contained in the Agreement, Registration Statement, or the Company Certificates, may affect the
continuing validity of the opinion set forth herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">An opinion of counsel is not
binding upon the IRS or the courts. There can be no assurance that the IRS will agree with the opinion set forth herein, or that if challenged
by the IRS, the opinion will be sustained by the court.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We hereby consent to the inclusion
of this form of letter as an exhibit to the Registration Statement and to the reference to our firm name therein. In giving this consent,
we do not thereby admit that we come within the category of persons whose consent is required under Section&nbsp;7 of the Securities Act
of 1933, as amended, or the rules&nbsp;and regulations of the Securities and Exchange Commission promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 50%; font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Very truly yours, &nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">/s/ Brooks, Pierce, McLendon, Humphrey, and Leonard, LLP &nbsp;</P></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>4
<FILENAME>tm2226035d1_ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Exhibit&nbsp;23.1</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Consent of Independent Registered Public Accounting
Firm</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">First Bancorp&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Southern Pines, North Carolina</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
hereby consent to the incorporation by reference in the Prospectus constituting a part of this Registration Statement of our reports dated
March&nbsp;1, 2022, relating to the consolidated financial statements </FONT>and the effectiveness of internal control over financial
reporting of First Bancorp, appearing in the Company&rsquo;s Annual Report on Form&nbsp;10-K for the year ended December&nbsp;31, 2021.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We also consent to the reference to us under the
caption &ldquo;Experts&rdquo; in the Prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">/s/
    BDO USA, LLP&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Raleigh,
    North Carolina&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">September 19, 2022</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>5
<FILENAME>tm2226035d1_ex23-2.htm
<DESCRIPTION>EXHIBIT 23.2
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Exhibit&nbsp;23.2</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Consent of Independent Registered Public Accounting
Firm</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">We consent to the incorporation by reference in
the Registration Statement on Form&nbsp;S-4/A of First Bancorp of our report dated March&nbsp;31, 2022, relating to the consolidated financial
statements appearing in the Annual Report on Form&nbsp;10-K of GrandSouth Bancorporation for the year ended December&nbsp;31, 2021. We
also consent to the reference to our firm under the caption &ldquo;Experts&rdquo; in this Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%">/s/ Elliott Davis, LLC&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Greenville, South Carolina</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">September 19, 2022</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  </TABLE>



<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>6
<FILENAME>tm2226035d1_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<html><head><TITLE> </TITLE></head><body link=blue lang="EN-US"><div  align="center"><p align="right" style="margin: 0in 0in 0pt; text-align: right;"><font style="font-family: Times New Roman; font-size: 10pt"><b>Exhibit
99.1</b></font></p></div><div><div align="center"><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><IMG SRC="tm2226035d1_ex99-1img001.jpg" ALT="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">1. PROPOSAL to approve the Agreement
and Plan of Merger and Reorganization,
dated June 21, 2022, or the merger
agreement, and the merger, pursuant to which GrandSouth
will merge with and into First Bancorp, subject to the terms
and conditions of the merger agreement, each as more fully
described in the accompanying proxy statement/prospectus.
2.  PROPOSAL to approve, on an advisory
(non-binding) basis, the compensation that
may be paid or become payable to the
named  executive  officers  of  GrandSouth
that is based on or otherwise relates to the
merger.
3. PROPOSAL to adjourn the special
meeting, if necessary or appropriate, to
solicit additional proxies in favor of the
merger proposal.
GRANDSOUTH
BANCORPORATION
 FOLD HERE &#x2022; DO NOT SEPARATE  INSERT IN ENVELOPE PROVIDED
Signature_________________________________ Signature, if held jointly_________________________________ Date___________2022.
Note: Please sign exactly as name or names appear on your direct registration account with our transfer agent, Continental Stock Transfer and Trust Company.  Where
more than one owner is shown on your account, each owner should sign.  Persons signing in a fiduciary or representative capacity shall give full title.  If a corporation,
please sign in full corporate name by authorized officer.  If a partnership, please sign in partnership name by authorized person.
Please mark
your votes
like this X
20824 Grandsouth_Bancorporation_COMMON-STOCK-PROXY Front
CONTROL NUMBER
PLEASE DO NOT RETURN THE PROXY CARD
IF YOU ARE VOTING ELECTRONICALLY.
INTERNET  &#x2013;
www.cstproxyvote.com
Use the Internet to vote your proxy. Have your
proxy card available when you access the above
website. Follow the prompts to vote your shares.
MAIL &#x2013; Mark, sign and date your proxy card
and return it in the postage-paid envelope
provided.
Your Internet vote authorizes the named proxies
to vote your shares in the same manner as if you
marked, signed and returned your proxy card.
Votes submitted electronically over the Internet
must be received by 11:59 p.m., Eastern Time, on
November 7, 2022.
YOUR VOTE IS IMPORTANT. PLEASE VOTE TODAY.
IMMEDIATE - 24 Hours a Day, 7 Days a Week or by Mail
Vote by Internet - QUICK  EASY
FOR AGAINST ABSTAIN
FOR AGAINST ABSTAIN
FOR AGAINST ABSTAIN
PROXY
PROXY SOLICITED FOR SPECIAL MEETING OF SHAREHOLDERS OF GRANDSOUTH BANCORPORATION.</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><IMG SRC="tm2226035d1_ex99-1img002.jpg" ALT="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;"> FOLD HERE &#x2022; DO NOT SEPARATE &#x2022; INSERT IN ENVELOPE PROVIDED
PROXY
THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS

GRANDSOUTH BANCORPORATION
SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON NOVEMBER 8, 2022
20824 Grandsouth_Bancorporation_COMMON-STOCK-PROXY Back
The undersigned hereby constitutes and appoints Mason Y. Garrett and James B. Schwiers his or her true
and lawful agents and proxies with full power of substitution in each, to represent and vote, as indicated
below, all of the shares of common stock of GrandSouth Bancorporation that the undersigned would be
entitled to vote at the Annual Meeting of Shareholders to be held Tuesday, November 8, 2022, at 10:00 a.m.,
local time, at the Corporation&#x2019;s principal executive offices at 381 Halton Road, Greenville, South Carolina
29607 and at any adjournment, upon the matters described in the accompanying Notice of Special Meeting
of Shareholders and Proxy Statement, receipt of which is acknowledged.  These proxies are directed to vote
on the matters described in the Notice of Special Meeting of Shareholders and Proxy Statement as follows:
THIS PROXY, WHEN PROPERLY EXECUTED, WILL BE VOTED IN THE MANNER DIRECTED HEREIN BY
THE UNDERSIGNED SHAREHOLDER.  IF NO DIRECTION IS MADE, THIS PROXY WILL BE VOTED: (I) &#x201C;FOR&#x201D;
PROPOSAL NO. 1 TO APPROVE THE AGREEMENT AND PLAN OF MERGER AND REORGANIZATION,
DATED AS OF JUNE 21, 2022 AND THE MERGER, PURSUANT TO WHICH GRANDSOUTH WILL MERGE WITH
AND INTO FIRST BANCORP; (II) &#x201C;FOR&#x201D; PROPOSAL NO. 2 TO APPROVE, ON AN ADVISORY (NON-BINDING)
BASIS, THE COMPENSATION THAT MAY BE PAID OR BECOME PAYABLE TO THE NAMED EXECUTIVE
OFFICERS OF GRANDSOUTH THAT IS BASED ON OR OTHERWISE RELATES TO THE MERGER; AND (III)
 &#x201C;FOR&#x201D; PROPOSAL NO. 3 TO APPROVE A PROPOSAL TO ADJOURN THE SPECIAL MEETING, IF NECESSARY
OR APPROPRIATE, TO SOLICIT ADDITIONAL PROXIES IN FAVOR OF THE MERGER PROPOSAL.
(Continued and to be marked, dated and signed on the other side)</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><IMG SRC="tm2226035d1_ex99-1img003.jpg" ALT="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;">1. PROPOSAL to approve the Agreement
and Plan of Merger and Reorganization,
dated June 21, 2022, or the merger
agreement, and the merger, pursuant to which GrandSouth
will merge with and into First Bancorp, subject to the terms
and conditions of the merger agreement, each as more fully
described in the accompanying proxy statement/prospectus.
GRANDSOUTH
BANCORPORATION
 FOLD HERE &#x2022; DO NOT SEPARATE &#x2022; INSERT IN ENVELOPE PROVIDED
Signature_________________________________ Signature, if held jointly_________________________________ Date___________2022.
Note: Please sign exactly as name or names appear on your direct registration account with our transfer agent, Continental Stock Transfer and Trust Company.  Where
more than one owner is shown on your account, each owner should sign.  Persons signing in a fiduciary or representative capacity shall give full title. If a corporation,
please sign in full corporate name by authorized officer.  If a partnership, please sign in partnership name by authorized person.
Please mark
your votes
like this X
20824 Grandsouth_Bancorporation_SERIES A PREFERRED STOCK REV1 Front
CONTROL NUMBER
PROXY
PROXY SOLICITED FOR SPECIAL MEETING OF SHAREHOLDERS OF GRANDSOUTH BANCORPORATION.
PLEASE DO NOT RETURN THE PROXY CARD
IF YOU ARE VOTING ELECTRONICALLY.
INTERNET  &#x2013;
www.cstproxyvote.com
Use the Internet to vote your proxy. Have your
proxy card available when you access the above
website. Follow the prompts to vote your shares.
MAIL &#x2013; Mark, sign and date your proxy card
and return it in the postage-paid envelope
provided.
Your Internet vote authorizes the named proxies
to vote your shares in the same manner as if you
marked, signed and returned your proxy card.
Votes submitted electronically over the Internet
must be received by 11:59 p.m., Eastern Time, on
November 7, 2022.
YOUR VOTE IS IMPORTANT. PLEASE VOTE TODAY.
IMMEDIATE - 24 Hours a Day, 7 Days a Week or by Mail
Vote by Internet - QUICK  EASY
FOR AGAINST ABSTAIN</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:always;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div><div align="center"><table border="0" cellspacing="0" cellpadding="0" style="width:100%;border-collapse:collapse;"><tr style="page-break-inside:avoid;"><td width="92.3%" valign="top" style="padding:0in 5.4pt 0in 5.4pt;width:92.3%;"><p align="center" style="margin:0in 0in .0001pt;text-align:center;"><IMG SRC="tm2226035d1_ex99-1img004.jpg" ALT="GRAPHIC"></p></td><td width="7.7%" valign="middle" style="padding:0in 5.4pt 0in 5.4pt;width:7.7%;"><p style="margin:0in 0in .0001pt;"><font size="1" color="white" face="Arial" style="color:white;font-size:1.0pt;"> FOLD HERE &#x2022; DO NOT SEPARATE &#x2022; INSERT IN ENVELOPE PROVIDED
PROXY
THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS

GRANDSOUTH BANCORPORATION
SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON NOVEMBER 8, 2022
20824 Grandsouth_Bancorporation_Series A Preferred stock REV1 Back
The undersigned hereby constitutes and appoints Mason Y. Garrett and James B. Schwiers his or her true
and lawful agents and proxies with full power of substitution in each, to represent and vote, as indicated below,
all of the shares of Series A Preferred stock of GrandSouth Bancorporation that the undersigned would be
entitled to vote at the Annual Meeting of Shareholders to be held Tuesday, November 8, 2022, at 10:00 a.m.,
local time, at the Corporation&#x2019;s principal executive offices at 381 Halton Road, Greenville, South Carolina
29607 and at any adjournment, upon the matters described in the accompanying Notice of Special Meeting
of Shareholders and Proxy Statement, receipt of which is acknowledged.  These proxies are directed to vote
on the matters described in the Notice of Special Meeting of Shareholders and Proxy Statement as follows:
THIS PROXY, WHEN PROPERLY EXECUTED, WILL BE VOTED IN THE MANNER DIRECTED HEREIN BY
THE UNDERSIGNED SHAREHOLDER.  IF NO DIRECTION IS MADE, THIS PROXY WILL BE VOTED &#x201C;FOR&#x201D;
PROPOSAL NO. 1 TO APPROVE THE AGREEMENT AND PLAN OF MERGER AND REORGANIZATION, DATED
AS OF JUNE 21, 2022 AND THE MERGER, PURSUANT TO WHICH GRANDSOUTH WILL MERGE WITH AND
INTO FIRST BANCORP.
(Continued and to be marked, dated and signed on the other side)</font></p></td></tr></table></div><div style="margin-left:2.6515151515151%;margin-right:2.65151515151515%;page-break-after:avoid;" ><div style="background-color:#000000;clear:both;height:2pt;border:0;margin:30pt 0pt 30pt 0pt;"></div></div></div></div></body></html>
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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>7
<FILENAME>tm2226035d1_ex99-2.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Exhibit&nbsp;99.2&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR>
    <TD STYLE="vertical-align: top"><IMG SRC="image_001.jpg" ALT=""><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1251 AVENUE OF THE AMERICAS, 6<SUP>TH</SUP> FLOOR<BR>
NEW YORK, NY 10020</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; width: 61%">&nbsp;</TD>
    <TD STYLE="width: 39%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>P</B> 212 466-7800 | <B>TF</B> 800 635-6851</FONT></TD></TR>
  <TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Piper Sandler&nbsp;&amp; Co. Since 1885.<BR>
Member SIPC and NYSE.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CONSENT OF PIPER SANDLER&nbsp;&amp; CO.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">We hereby consent to the inclusion
of our opinion letter to the Board of Directors of GrandSouth Bancorporation (the &ldquo;Company&rdquo;) as an Annex to the Proxy Statement/Prospectus
relating to the proposed merger of the Company with First Bancorp contained in the Registration Statement on Form&nbsp;S-4/A, as filed with
the Securities and Exchange Commission, and to references to such opinion and the quotation or summarization of such opinion in such Proxy
Statement/Prospectus and the Registration Statement. In giving such consent, we do not admit that we come within the category of persons
whose consent is required under Section&nbsp;7 of the Securities Act of 1933, as amended (the &ldquo;Act&rdquo;), or the rules&nbsp;and
regulations of the Securities and Exchange Commission thereunder (the &ldquo;Regulations&rdquo;), nor do we admit that we are experts
with respect to any part of such Proxy Statement/Prospectus and the Registration Statement within the meaning of the term &ldquo;experts&rdquo;
as used in the Act or the Regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%">/s/ Piper Sandler&nbsp;&amp; Co.</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">New York, New York&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">September 19, 2022</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
  </TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<P STYLE="margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>8
<FILENAME>tm2226035d1_ex99-3.htm
<DESCRIPTION>EXHIBIT 99.3
<TEXT>
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<P STYLE="margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit&nbsp;99.3</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CONSENT OF DIRECTOR NOMINEE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In accordance with Rule&nbsp;438
promulgated under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;),&nbsp;I hereby consent to my being named in
the proxy statement/prospectus included in this Registration Statement on Form&nbsp;S-4 of First Bancorp (the &ldquo;Company&rdquo;),
and all amendments, including post-effective amendments, thereto, or any other registration statement for the same offering that is to
be effective upon filing pursuant to Rule&nbsp;462(b)&nbsp;under the Securities Act (a &ldquo;Registration Statement&rdquo;), as a person
who is named to become a director of the Company upon consummation of the merger, in accordance with the Agreement and Plan of Merger
and Reorganization, dated as of June&nbsp;21, 2022, by and between the Company and GrandSouth Bancorporation, and to the filing of this
consent as an exhibit to any registration statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD COLSPAN="2" STYLE="padding-bottom: 1pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Date: September&nbsp;7, 2022&nbsp;</P></TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 2%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; width: 49%">/s/ Mason Y. Garrett</TD>
    <TD STYLE="font-size: 10pt; width: 1%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 48%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">Mason Y. Garrett</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>9
<FILENAME>tm2226035d1_ex99-4.htm
<DESCRIPTION>EXHIBIT 99.4
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit&nbsp;99.4</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CONSENT OF DIRECTOR NOMINEE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In accordance with Rule&nbsp;438
promulgated under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;),&nbsp;I hereby consent to my being named in
the proxy statement/prospectus included in this Registration Statement on Form&nbsp;S-4 of First Bancorp (the &ldquo;Company&rdquo;),
and all amendments, including post-effective amendments, thereto, or any other registration statement for the same offering that is to
be effective upon filing pursuant to Rule&nbsp;462(b)&nbsp;under the Securities Act (a &ldquo;Registration Statement&rdquo;), as a person
who is named to become a director of the Company upon consummation of the merger, in accordance with the Agreement and Plan of Merger
and Reorganization, dated as of June&nbsp;21, 2022, by and between the Company and GrandSouth Bancorporation, and to the filing of this
consent as an exhibit to any registration statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-bottom: 1pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Date: September&nbsp;7, 2022</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P></TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt; width: 3%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; padding-bottom: 1pt; width: 48%">/s/ J. Randolph Potter&nbsp;&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; width: 1%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt; width: 48%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">J. Randolph Potter</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; font-size: 10pt">&nbsp;</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>10
<FILENAME>tm2226035d1_ex-filingfees.htm
<DESCRIPTION>EX-FILING FEES
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 107</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Calculation of Filing Fee Tables</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>S-4</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Form Type)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>First Bancorp</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact Name of Registrant as Specified in its Charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>Table 1: Newly Registered and Carry Forward
Securities</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Security<BR>
    Type</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Security<BR>
    Class<BR>
    Title</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Fee<BR>
    Calculation<BR>
    or Carry<BR>
    Forward <BR>
    Rule</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Amount<BR>
    Registered</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Proposed<BR>
    Maximum<BR>
    Offering <BR>
    Price Per<BR>
    Unit</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Maximum<BR>
    Aggregate<BR>
    Offering<BR>
    Price</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Fee<BR>
    Rate</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Amount
    of<BR>
    Registration<BR>
    Fee</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Carry<BR>
    Forward<BR>
    Form<BR>
    Type</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Carry<BR>
    Forward<BR>
    File<BR>
    Number</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Carry<BR>
    Forward<BR>
    Initial<BR>
    effective<BR>
    date</B></FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-bottom: 1pt; white-space: nowrap"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-align: center"><FONT STYLE="font-size: 8pt"><B>Filing
    Fee<BR>
    Previously&nbsp;<BR>
    Paid&nbsp;In<BR>
    Connection<BR>
    with<BR>
    Unsold<BR>
    Securities<BR>
    to be<BR>
    Carried<BR>
    Forward</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD COLSPAN="39" STYLE="text-align: center"><FONT STYLE="font-size: 8pt"><B>Newly Registered Securities</B></FONT></TD></TR>
  <TR STYLE="background-color: #CCEEFF">
    <TD STYLE="vertical-align: top; padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-size: 8pt">Fees to Be Paid</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center"><FONT STYLE="font-size: 8pt">Equity</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt">Common
    stock, no par value </FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 8pt">Rule 457(c) and Rule 457(f)(1); Rule 457(a)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">6,128,853</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt"><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">N/A</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">202,313,438</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt"><SUP>(2)</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: center"><FONT STYLE="font-size: 8pt">$92.70 per $1,000,000</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">18,754.46</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt"><SUP>(3)</SUP></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="background-color: white">
    <TD STYLE="vertical-align: top; padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-size: 8pt">Fees Previously Paid</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD COLSPAN="39" STYLE="text-align: center"><FONT STYLE="font-size: 8pt"><B>Carry Forward Securities</B></FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="width: 9%; padding-left: 9pt; text-indent: -9pt"><FONT STYLE="font-size: 8pt">Carry Forward Securities</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 8%; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="12" STYLE="text-align: justify"><FONT STYLE="font-size: 8pt"><B>Total Offering Amounts</B></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">202,313,438</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18,754.46</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="12"><FONT STYLE="font-size: 8pt"><B>Total Fees Previously Paid</B></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">18,754.46</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: bottom; background-color: white">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="12"><FONT STYLE="font-size: 8pt"><B>Total Fee Offsets</B></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.00</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
  <TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="12" STYLE="padding-left: 0.25in"><FONT STYLE="font-size: 8pt"><B>Net Fee Due</B></FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">0.00</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    </TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0px">&nbsp;</TD>
    <TD STYLE="width: 24px"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Represents the maximum number of shares of common stock of First Bancorp that may be issued to holders of shares of common stock and preferred stock of GrandSouth Bancorporation in the merger described herein, assuming the exercise of the outstanding options to acquire shares of GrandSouth Bancorporation common stock.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0px">&nbsp;</TD>
    <TD STYLE="width: 24px"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Estimated solely for purposes of calculating the
    amount of the registration fee pursuant to Rule 457(c) and Rule 457(f)(1) under the Securities Act of 1933, as amended, based upon the
    market value of the shares of GrandSouth Bancorporation common stock and preferred stock expected to be exchanged for First Bancorp&rsquo;s
    common stock in connection with the merger, as established by the average of the high and low sales prices of GrandSouth Bancorporation
    common stock on the OTC Markets Group OTC QX Best Market on August 23, 2022 (such date being within five business days of the date this
    registration statement was first filed with the Securities and Exchange Commission) of $33.01 per share. The registration fee was calculated
    as follows: 5,222,042 shares of GrandSouth Bancorporation common stock outstanding and 282,828 shares of GrandSouth Bancorporation preferred
    stock outstanding (which shares of preferred stock will be converted into shares of common stock, on a one-for-one basis, immediately
    prior to the closing of the merger), with 623,983 options outstanding. Assuming all options are exercised, the market value of the (GrandSouth
    Bancorporation) securities to be received by First Bancorp equals 6,128,853 x $33.01 = $202,313,438.</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P></TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 0px">&nbsp;</TD>
    <TD STYLE="width: 24px"><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Computed pursuant to Rules 457(c) and
457(f)(1) of the Securities Act, based on a rate of $92.70 per $1,000,000 of the proposed maximum aggregate offering price. The rate
of $92.70 per $1,000,000 results in a filing fee of $18,754.46.&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>


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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>tm2226035d1_ex99-1img004.jpg
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<TEXT>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
