<SEC-DOCUMENT>0000927089-17-000480.txt : 20171220
<SEC-HEADER>0000927089-17-000480.hdr.sgml : 20171220
<ACCEPTANCE-DATETIME>20171220172220
ACCESSION NUMBER:		0000927089-17-000480
CONFORMED SUBMISSION TYPE:	11-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20170630
FILED AS OF DATE:		20171220
DATE AS OF CHANGE:		20171220

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHERN MISSOURI BANCORP, INC.
		CENTRAL INDEX KEY:			0000916907
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				431665523
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		11-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23406
		FILM NUMBER:		171267492

	BUSINESS ADDRESS:	
		STREET 1:		2991 OAK GROVE ROAD
		CITY:			POPLAR BLUFF
		STATE:			MO
		ZIP:			63901
		BUSINESS PHONE:		573-778-1800

	MAIL ADDRESS:	
		STREET 1:		2991 OAK GROVE ROAD
		CITY:			POPLAR BLUFF
		STATE:			MO
		ZIP:			63901

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SOUTHERN MISSOURI BANCORP INC
		DATE OF NAME CHANGE:	19940104
</SEC-HEADER>
<DOCUMENT>
<TYPE>11-K
<SEQUENCE>1
<FILENAME>smbc-11k2017.htm
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<title>smbc-11k2013.htm</title>
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<div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
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<div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
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<div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Full title of the plan and the address of the plan, if different from that of the issuer named below:</div>
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<div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:</div>
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<div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Statements of Net Assets Available for Benefits</div>
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<td style="FONT-FAMILY: 'Times New Roman', serif; WIDTH: 74%" valign="top" align="left">
<div style="FONT-SIZE: 12pt; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Supplemental Schedule</div>
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<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 5%" valign="top">&#160; </td>
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<td style="FONT-FAMILY: 'Times New Roman', serif; WIDTH: 74%" valign="top" align="left">
<div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Schedule H, Line 4i &#8211; Schedule of Assets (Held at End of Year)</div>
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<td style="FONT-FAMILY: 'Times New Roman', serif; WIDTH: 5%" valign="top" align="right">
<div style="FONT-SIZE: 12pt; TEXT-ALIGN: right; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">12</div>
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<div><br>
<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">Report of Independent Registered Public Accounting Firm</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Audit Committee</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Southern Bank 401(k) Retirement Plan</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Poplar Bluff, Missouri</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: TimesNewRoman; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">We have audited the accompanying statements of net assets available for benefits of Southern Bank 401(k) Retirement Plan (the "Plan") as of June 30, 2017 and 2016, and the related statement of changes in net assets available for benefits for the year ended June 30, 2017. These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion on these financial statements based on our audits.</div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: TimesNewRoman; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement. The Plan is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting.&#160; Our audits included consideration of internal control over financial reporting as a basis for designing auditing procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Plan's internal control over financial reporting. Accordingly, we express no such opinion. Our audits also included examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management and evaluating the overall financial statement presentation.&#160; We believe that our audits provide a reasonable basis for our opinion.</div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: TimesNewRoman; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">In our opinion, the financial statements referred to above present fairly, in all material respects, the net assets available for benefits of Southern Bank 401(k) Retirement Plan as of June 30, 2017 and 2016, and the changes in net assets available for benefits for the year ended June 30, 2017, in conformity with accounting principles generally accepted in the United States of America.</div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: TimesNewRoman; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">The supplemental information in the accompanying Schedule of Assets (Held at End of Year) as of June 30, 2017, has been subjected to audit procedures performed in conjunction with the audit of the Plan's financial statements. The supplemental information is presented for the purpose of additional analysis and is not a required part of the financial statements but includes supplemental information required by the Department of Labor's Rules and Regulations for Reporting and Disclosure under the <font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-STYLE: italic">Employee Retirement Income Security Act of 1974</font>. The supplemental information is the responsibility of the Plan's management. Our audit procedures included determining whether the supplemental information reconciles to the financial statements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of the information presented in the supplemental information. In forming our opinion on the supplemental information in the accompanying schedule, we evaluated whether the supplemental information, including its form and content, is presented in conformity with the Department of Labor's Rules and Regulations for Reporting and Disclosure under the <font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-STYLE: italic">Employee Retirement Income Security Act of 1974</font>. In our opinion, the supplemental information in the accompanying schedule is fairly stated, in all material respects, in relation to the financial statements as a whole.</div>
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<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
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<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
<font style="FONT-FAMILY: 'Times New Roman', serif">/s/ BKD, LLP</font></div>

<div style="LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">St. Louis, Missouri</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">December 20, 2017</div>
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<div id="DSPFPageHeader"><br style="LINE-HEIGHT: 13.7pt">
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<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">Statements of Net Assets Available for Benefits</div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2017 and 2016</div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">&#160;</div>

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<table id="z46400d2c75ba4af5ab72358caca42c7c" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 11.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">2017</div>
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<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">2016</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Investments, At Fair Value</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">21,738,439</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">16,584,392</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Receivables</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Notes receivable from participants</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 11.4pt">436,049</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 11.4pt">471,491</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Employer's contributions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">501,790</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">458,193</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">937,839</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">929,684</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Net Assets Available for Benefits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">22,676,278</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">17,514,076</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<br style="LINE-HEIGHT: 13.7pt">
</div>
</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-SIZE: 9pt; MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; FONT-STYLE: italic; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">See Notes to Financial Statements</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
<font style="FONT-FAMILY: 'Times New Roman', serif">&#160;</font></div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: right">2</div>

<div id="DSPFPageBreak" style="FONT-FAMILY: 'Times New Roman', serif; PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 0px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #ffffff; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #ffffff" noshade="noshade">
</div>
</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 6pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div id="DSPFPageHeader">
<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<font style="FONT-FAMILY: 'Times New Roman', serif">Statement of Changes in Net Assets Available for Benefits</font></div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">Year Ended June 30, 2017</div>

<div style="MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>
</div>

<div style="MARGIN-BOTTOM: 6pt; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">
<table id="z6ad268f94f5c40e59a05a36c3cb8ecb3" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 11.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Investment Income</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Net appreciation in fair value of investments</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 11.4pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 11.4pt">4,400,095</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Interest and dividends</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">399,556</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 72pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Net investment income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">4,799,651</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Interest Income on Notes Receivable from Participants</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">18,701</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Contributions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Participants</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 11.4pt">462,962</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Employer</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 11.4pt">991,346</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Rollovers</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">285,928</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total contributions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">1,740,236</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total additions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">6,558,588</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Deductions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Benefits paid to participants</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 11.4pt">1,394,481</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt">&#160;&#160;&#160;&#160;&#160;&#160;Administrative fees</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">1,905</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 39.6pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total deductions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">1,396,386</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt">&#160;&#160;&#160;&#160;&#160;&#160;<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold">Net Increase</font></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 11.4pt">5,162,202</div>
</td>
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</tr>

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<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Net Assets Available for Benefits, Beginning of Year</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">17,514,076</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; MARGIN-LEFT: 25.2pt; LINE-HEIGHT: 11.4pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Net Assets Available for Benefits, End of Year</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 11.4pt; font-size: 10pt; font-family: 'Times New Roman', serif;">22,676,278</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

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<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="FONT-SIZE: 9pt; FONT-FAMILY: 'Times New Roman', serif; FONT-STYLE: italic; TEXT-ALIGN: left; LINE-HEIGHT: 10.25pt">See Notes to Financial Statements</div>

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<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2017 and 2016</div>

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<table id="z45435b2cda824a83923d981f725d4395" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; WIDTH: 57.6pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Note 1:</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">Description of the Plan<a name="Notes"><!--Anchor--></a></div>
</td>
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</table>
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The following description of Southern Bank 401(k) Retirement Plan (Plan) provides only general information.&#160; Participants should refer to the Plan Document for a more complete description of the Plan's provisions.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">General</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The Plan is a defined contribution plan sponsored by Southern Bank (the Bank), a wholly-owned subsidiary of Southern Missouri Bancorp, Inc. (the Company), for the benefit of its employees who have at least one year of service and are age 21 or older.&#160; The Plan is subject to the provisions of the <font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-STYLE: italic">Employee Retirement Income Security Act of 1974</font> (ERISA).</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The Bank previously also maintained a qualified Employee Stock Ownership Plan (ESOP).&#160; The Bank merged the ESOP into the Plan effective October 1, 2010.&#160; Participant accounts under the ESOP are maintained as a separate source (ESOP Source) under the Plan with ESOP provisions concerning matters such as vesting, withdrawals, loans, dividends, and distributions remaining in effect.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The Plan is administered by the Bank.&#160; Capital Bank and Trust Company is the trustee of the Plan.&#160; American Funds serves as Plan custodian.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Contributions</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The Plan permits eligible employees to make voluntary contributions to the Plan up to the annual limit set by the Internal Revenue Service (IRS).&#160; Employee rollover contributions are also permitted.&#160; Participants who have attained age 50 before the end of the calendar year are eligible to make catch-up contributions.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The Bank makes safe harbor matching contributions of 100% of employees' salary deferral amounts on the first 3% of employees' compensation, and 50% of employees' salary deferral amounts on the next 2% of employees' compensation.&#160; The Bank also makes profit-sharing contributions.&#160; Bank profit-sharing contributions are discretionary as determined by the Bank's Board of Directors.&#160; Contributions are subject to certain limitations.&#160; Forfeitures are used to reduce Bank contributions.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Participant Investment Account Options</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Investment account options available include various funds and common stock of the Company.&#160; Each participant has the option of directing his contributions into any of the separate investment accounts and may change the allocation daily.</div>
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<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2017 and 2016</div>

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</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Participant Accounts</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Each participant's account is credited with the participant's contribution, the Bank's contribution, and plan earnings, and is charged with an allocation of administrative expenses.&#160; Allocations are based on participant earnings or account balances, as defined.&#160; The benefit to which a participant is entitled is the benefit that can be provided from the participant's vested account.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Vesting</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Participants are immediately vested in their voluntary contributions plus earnings thereon.&#160; Bank matching contributions and ESOP Source contributions are vested at a rate of 20% per year of service beginning with completion of the second year of service.&#160; A participant becomes fully vested with completion of their sixth year of service.&#160; The non-vested balance is forfeited upon termination of service.&#160; Forfeitures are used to reduce Bank contributions.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Payment of Benefits</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Under the terms of the Plan, participants are entitled to receive the amount credited to their accounts upon normal retirement at the age of 65 or disability retirement.&#160; Participants terminating employment prior to retirement are entitled to receive that portion of their account that is vested.&#160; In the event of death, the participant's account becomes fully vested and is paid to the designated beneficiary.&#160; Distributions under the Plan are payable in a lump sum or through installments.&#160; Payments through installments are only available to Participants with a vested account balance in excess of $5,000 who terminate at normal retirement age or later.&#160; At June 30, 2017 and 2016, Plan assets included no amounts allocated to accounts of terminated or retired participants who have elected to withdraw from the Plan but which had not yet been paid.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Forfeited Accounts</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">At June 30, 2017 and 2016, forfeited non-vested accounts totaled $11,661 and $4,216, respectively.&#160; These accounts will be used to reduce future Bank contributions. The forfeitures totaling $11,661 were used to reduce employer contributions made during the 2018 plan year related to the 2017 employer contributions receivable. Also, in 2017, employer contributions were reduced by $7,497 from forfeited non-vested accounts.</div>
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: 'Times New Roman', serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">&#160;</div>

<br>
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<div id="DSPFPageNumberArea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: right">5</div>

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<div style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 6pt; LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2017 and 2016</div>

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<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 0pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 0pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 0pt"><br style="LINE-HEIGHT: 0pt">
<div style="LINE-HEIGHT: 0pt"><br style="LINE-HEIGHT: 0pt">
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Notes Receivable from Participants</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The Plan Document includes provisions authorizing loans from the Plan to active eligible participants.&#160; Loans are made to any eligible participant demonstrating a qualifying need.&#160; The minimum amount of a loan shall be $1,000.&#160; The maximum amount of a participant's loans is determined by the available loan balance restricted to the lesser of $50,000 or 50% of the participant's vested account balance.&#160; All loans are covered by demand notes and are repayable over a period not to exceed five years.&#160; Loans are repaid through payroll withholdings unless the participant is paying the loan in full.&#160; Interest on the loans is fixed for the term of the loan at a rate one percentage point above the <font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-STYLE: italic">Wall Street Journal's </font>published prime rate of interest on the first day of the month in which the loan was made.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Plan Termination</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Although it has not expressed an intention to do so, the Bank has the right under the Plan to discontinue its contributions at any time and to terminate the Plan, subject to the provisions of ERISA.&#160; In the event of plan termination, participants will become 100% vested in their accounts.</div>

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</div>

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<table id="zdda727cafec1482da6648bb1a95c01c4" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; WIDTH: 57.6pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Note 2:</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">Summary of Significant Accounting Policies</div>
</td>
</tr>
</table>
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<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Basis of Accounting</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The accompanying financial statements are prepared on the accrual basis of accounting.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Use of Estimates</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of net assets and changes in net assets and disclosure of contingent assets and liabilities at the date of the financial statements.&#160; Actual results could differ from those estimates.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Investment Valuation and Income Recognition</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Quoted market prices, if available, are used to value investments.&#160; Common stock is valued at the closing price reported on the active market on which the individual security is traded.&#160; Mutual funds and the money market fund are valued at the net asset value (NAV) of shares held by the plan at year end.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Purchases and sales of securities are recorded on a trade-date basis.&#160; Interest income is recorded on the accrual basis.&#160; Dividends are recorded on the ex-dividend date.&#160; Net appreciation includes the Plan's gains and losses on investments bought and sold as well as held during the year.</div>
</div>

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</div>
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>

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<div id="DSPFPageNumberArea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: right">6</div>

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<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>

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<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2017 and 2016</div>

<div style="MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 3pt; LINE-HEIGHT: 13.7pt">
<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 0pt">
<div style="LINE-HEIGHT: 0pt"><br style="LINE-HEIGHT: 0pt">
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Notes Receivable from Participants</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest.&#160; Delinquent participant loans are reclassified as distributions based upon the terms of the plan document.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Plan Tax Status</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The Plan operates under a non-standardized adoption agreement in connection with a prototype 401(k) profit-sharing plan and trust sponsored by American Funds Distributors, Inc.&#160; This prototype plan document has been filed with the appropriate agency. The Plan has not obtained or requested a determination letter. However, the Plan Administrator believes that the Plan is currently designed and being operated in compliance with the applicable requirements of the Internal Revenue Code and that the Plan was qualified and the related trust was tax exempt.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Payment of Benefits</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Benefit payments to participants are recorded upon distribution.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Administrative Expenses</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Administrative expenses may be paid by the Bank or the Plan, at the Bank's discretion.</div>

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</div>

<div style="MARGIN-BOTTOM: 12pt; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">
<table id="z46f2ead349a6432fb879b344c0431f25" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; WIDTH: 57.6pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Note 3:</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">Related-Party and Party-in-Interest Transactions</div>
</td>
</tr>
</table>
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Party-in-interest transactions include those with fiduciaries or employees of the Plan, any person who provides services to the Plan, an employer whose employees are covered by the Plan, a person who owns 50 percent or more of such an employer, or relatives of such persons.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The Plan allows participants to invest their account balances in shares of the Company.&#160; The number of shares of common stock held by the Plan at June 30, 2017 and 2016 was 403,123 shares and 407,122 shares, respectively, and the Plan received dividends of $162,205 during the year ended June 30, 2017.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The plan incurs expenses related to general administrative and record keeping. The Company pays certain administrative expenses and accounting and auditing fees relating to the Plan and provides certain administrative services at no cost to the plan.</div>

<br style="LINE-HEIGHT: 0pt">
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: 'Times New Roman', serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">&#160;</div>
</div>
</div>

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<div id="DSPFPageNumberArea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: right">7</div>

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<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2017 and 2016</div>

<div style="MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

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<div style="MARGIN-BOTTOM: 12pt; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">
<table id="zecf1c478fd2f4cc7a3c68ef9d6fbcb6b" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; WIDTH: 57.6pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Note 4:</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">Disclosures About Fair Value of Plan Assets</div>
</td>
</tr>
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</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.&#160; Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs.&#160; There is a hierarchy of three levels of inputs that may be used to measure fair value:</div>

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<td style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 49.7pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Level 1</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">Quoted prices in active markets for identical assets</div>
</td>
</tr>
</table>
</div>

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<table id="za80d1d2d1eed4821a5b3e700f1f299c7" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
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<td style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 49.7pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Level 2</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">Observable inputs other than Level 1 prices, such as quoted prices for similar assets; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets</div>
</td>
</tr>
</table>
</div>

<div style="MARGIN-BOTTOM: 9pt; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
<table id="zd55dce6a8d604714ac0f06bd486ba402" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
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<td style="WIDTH: 43.2pt"></td>
<td style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 49.7pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Level 3</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">Unobservable inputs that are supported by little or no market activity and significant to the fair value of the assets</div>
</td>
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</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Recurring Measurements</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The following tables present the fair value measurements of assets recognized in the accompanying statements of net assets available for benefits measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at June 30, 2017 and 2016:</div>

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</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">June 30, 2017</div>
</td>
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<tr>
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<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="10">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Fair Value Measurements Using</div>
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<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Fair Value</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Quoted Prices in Active Markets for Identical Assets</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">(Level 1)</div>
</td>
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<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Significant Other Observable Inputs</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">(Level 2)</div>
</td>
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<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Significant Unobservable Inputs</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">(Level 3)</div>
</td>
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</tr>

<tr>
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<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<tr>
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<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

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<td style="WIDTH: 48%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt">Company security</div>
</td>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">$</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">13,004,743</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">$</div>
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<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">13,004,743</div>
</td>
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<tr>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt">Mutual funds</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">8,453,513</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">8,453,513</div>
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<tr>
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<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">280,183</div>
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<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">280,183</div>
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<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">21,738,439</div>
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<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">21,738,439</div>
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</tr>
</table>

<div style="MARGIN-BOTTOM: 9pt; LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
</div>

<br style="LINE-HEIGHT: 13.7pt">
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<div style="MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">&#160;</div>

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<div id="DSPFPageNumberArea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: right">8</div>

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<div style="MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">&#160;</div>

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<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2017 and 2016</div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 3pt; LINE-HEIGHT: 13.7pt">
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<tr>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">June 30, 2016</div>
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</tr>

<tr>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Fair Value Measurements Using</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Fair Value</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Quoted Prices in Active Markets for Identical Assets</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">(Level 1)</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Significant Other Observable Inputs</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">(Level 2)</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">Significant Unobservable Inputs</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">(Level 3)</div>
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</tr>

<tr>
<td style="WIDTH: 48%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt">Company security</div>
</td>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">$</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">9,579,574</div>
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</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">9,579,574</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 48%; VERTICAL-ALIGN: top" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 36pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt">Mutual funds</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">6,549,368</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">6,549,368</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 48%; VERTICAL-ALIGN: top; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Money market fund</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">455,450</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">455,450</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 48%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">16,584,392</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">16,584,392</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">-</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 48%; VERTICAL-ALIGN: top" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying statements of net assets available for benefits, as well as the general classification of such assets pursuant to the valuation hierarchy.&#160; There have been no significant changes in the valuation techniques during the year ended June 30, 2017.&#160; In addition, the Plan had no assets measured at fair value on a nonrecurring basis.</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 12pt; FONT-FAMILY: Arial, sans-serif; MARGIN-TOP: 6pt; FONT-WEIGHT: bold; FONT-STYLE: italic; TEXT-ALIGN: left; MARGIN-LEFT: 14.4pt; LINE-HEIGHT: 12.55pt">Investments</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy.</div>

<div style="MARGIN-BOTTOM: 9pt; LINE-HEIGHT: 12.55pt"><br style="LINE-HEIGHT: 12.55pt">
</div>

<div style="MARGIN-BOTTOM: 12pt; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">
<table id="z6bc3df41c4ca4103ac9c00ccb5483dc6" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; WIDTH: 57.6pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Note 5:</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">Reconciliation of Financial Statements to Form 5500</div>
</td>
</tr>
</table>
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The following is a reconciliation of net assets available for benefits per the financial statements at June 30, 2017 and 2016, to Form 5500:</div>

<table id="zbb37b000b3f64b29a2d33e6f27f6422d" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 11.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">2017</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">2016</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Net assets available for benefits per the financial statements</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">22,676,278</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">17,514,076</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Less: employer's contributions receivable</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">501,790</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">458,193</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 74%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 82.8pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Net assets available for benefits per Form 5500</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">22,174,488</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">17,055,883</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>
</div>
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: right">9</div>

<div id="DSPFPageBreak" style="FONT-FAMILY: 'Times New Roman', serif; PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 0px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #ffffff; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #ffffff" noshade="noshade">
</div>
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">
<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">
<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">&#160;</div>

<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<font style="FONT-FAMILY: 'Times New Roman', serif">Notes to Financial Statements (continued)</font></div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2017 and 2016</div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">
<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">The following is a reconciliation of contributions per the financial statements for the year ended June 30, 2017, to Form 5500:</div>

<table id="z6526fd353f4c4f4a9959796948fbeebb" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%; LINE-HEIGHT: 11.4pt" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">2017</div>
</td>
<td style="VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Contributions per the financial statements</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">1,740,236</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Add: Employer's contributions receivable at June 30, 2016</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 12.55pt">458,193</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 54pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Less: Employer's contributions receivable at June 30, 2017</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">(501,790</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom">&#160;</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 87%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px" valign="bottom">
<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 82.8pt; LINE-HEIGHT: 12.55pt; MARGIN-RIGHT: 14.4pt; TEXT-INDENT: -10.8pt">Contributions per Form 5500</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: right" valign="bottom">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: left" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">$</div>
</td>
<td style="WIDTH: 10%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 4px double; TEXT-ALIGN: right" valign="bottom">
<div style="line-height: 12.55pt; font-size: 11pt; font-family: 'Times New Roman', serif;">1,696,639</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 4px; TEXT-ALIGN: left" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div>&#160;</div>

<div>&#160;</div>

<div style="MARGIN-BOTTOM: 12pt; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">
<table id="z242b7e9edec04d29b0448c39f207fdaa" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; WIDTH: 57.6pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Note 6:</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">Acquisition of Capaha Bank</div>
</td>
</tr>
</table>
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 28.8pt; LINE-HEIGHT: 12.55pt">On June 16, 2017, the Company acquired Capaha Bank and approved an amendment to terminate the Capaha Bank 401(k) Retirement &amp; Savings Plan effective June 19, 2017.&#160; All participants in the Capaha Bank 401(k) Retirement &amp; Savings Plan became 100% vested in that plan upon termination and were provided the option to have their account balance rolled into any qualified plan (including the Plan) or IRA, receive a lump-sum distribution or be paid through an annuity contract.&#160; As of June 30, 2017, no rollover requests into the Plan have been requested.</div>

<div style="MARGIN-BOTTOM: 12pt; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">
<table id="zd73b7a6887974c8a97c0d2905045d844" class="DSPFListTable" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; WIDTH: 57.6pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Note 7:</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top; TEXT-ALIGN: left">
<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold">Risks and Uncertainties</div>
</td>
</tr>
</table>
</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">The Plan invests in various investment securities.&#160; Investment securities are exposed to various risks such as interest rate, market and credit risks.&#160; Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect the participants' account balances and the amounts reported in the statements of net assets available for benefits.</div>
</div>
</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>

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<div id="DSPFPageNumberArea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: right">10</div>

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<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 0px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #ffffff; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #ffffff" noshade="noshade">
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<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 11pt; MARGIN-BOTTOM: 9pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">&#160;</div>

<div id="DSPFPageHeader">
<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

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<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
<font style="FONT-FAMILY: 'Times New Roman', serif">&#160;</font></div>
</div>

<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Supplemental Schedule</div>

<div id="DSPFPageFooter">
<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

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<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

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<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
<font style="FONT-FAMILY: 'Times New Roman', serif">&#160;</font></div>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 12pt; MARGIN-TOP: 12pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: right">11</div>

<div id="DSPFPageBreak" style="FONT-FAMILY: 'Times New Roman', serif; PAGE-BREAK-AFTER: always">
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<div id="DSPFPageHeader">
<div style="FONT-FAMILY: 'Times New Roman', serif; LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-SIZE: 16pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 18.25pt">Southern Bank 401(k) Retirement Plan</div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">EIN 43-0462350&#160; &#160;&#160; PN001</div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">Schedule H, Line 4i &#8211; Schedule of Assets (held at end of year)</div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">June 30, 2017</div>

<div style="FONT-SIZE: 12pt; MARGIN-BOTTOM: 3pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">&#160;</div>
</div>

<div style="LINE-HEIGHT: 13.7pt">
<table id="zaed11fecac8e4f189bf32f05557ea44f" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">Investment Type and Issuer</div>
</td>
<td style="WIDTH: 28.76%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">Description of Investment</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;Current Value</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">American Funds Money Market Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;280,183</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 280,183</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; FONT-WEIGHT: bold; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Mutual Funds</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds Bond Fund of America</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,993</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;284,145</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds Intermediate Bond Fund of America</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,071</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;94,827</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds Income Fund of America</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,832</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;153,577</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;Franklin Income Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;36,765</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;84,558</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds American Balanced Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,371</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;530,254</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;Invesco Van Kampen Comstock Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,065</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;220,098</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;Templeton Growth Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,849</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;125,202</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds Fundamental Investors</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,157</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;420,538</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds Investment Company of America</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,662</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;878,593</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds Growth Fund of America</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;18,035</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;835,764</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds New Perspective Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,383</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;500,023</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds New World Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,923</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;411,175</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;Putnam Growth Opportunities</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,094</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;84,305</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;Victory Established Value Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;22,603</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;848,284</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;Franklin Small Cap Growth Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,530</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;467,045</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2010 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,232</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;55,514</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2015 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,271</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;48,011</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2020 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;35,332</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;426,461</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2025 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,989</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;280,136</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2030 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;30,728</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;414,822</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2035 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;42,517</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;583,338</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2040 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21,852</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;306,147</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2045 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;16,595</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;234,826</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2050 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,941</div>
</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;96,199</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2055 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,028</div>
</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;69,406</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;American Funds 2060 Target Date Fund</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23</div>
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<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;265</div>
</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Southern Missouri Bancorp, Inc. Common Stock (SMBC)</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;403,123</div>
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<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">shares</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,004,743</div>
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</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">*</div>
</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Notes Receivable from Participants</div>
</td>
<td style="WIDTH: 28.76%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">&#160;Various maturity dates through 2022; interest rates up to 5.00%</div>
</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;436,049</div>
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<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 22,174,488</div>
</td>
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<tr>
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<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">&#160;</td>
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<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri, sans-serif; COLOR: #000000; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">* Party-in-interest</div>
</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 3.36%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 49.68%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 20.74%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 8.02%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 18.19%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr>
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<br style="LINE-HEIGHT: 13.7pt">
</div>

<div style="MARGIN-BOTTOM: 6pt; CLEAR: both; LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>

<div>
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<div id="DSPFPageNumberArea" style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; COLOR: #000000; TEXT-ALIGN: right">12</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">SIGNATURES</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; DISPLAY: block; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 0pt">&#160;</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"><font style="FONT-SIZE: 12pt; FONT-STYLE: italic; DISPLAY: inline">The Plan. </font>Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.</div>

<div style="FONT-FAMILY: 'Times New Roman', serif; DISPLAY: block; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 0pt"><br>
</div>

<div>
<table id="c1bd78aab0e14f799f5baf1e80f95430" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; WIDTH: 100%" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 35%" valign="top">&#160;<font style="FONT-SIZE: 12pt">&#160;</font></td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold" valign="top" colspan="2">SOUTHERN BANK 401(k) RETIREMENT PLAN</td>
</tr>

<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 35%" valign="top">&#160; </td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 5%" valign="top">&#160; </td>
<td style="FONT-FAMILY: 'Times New Roman', serif; WIDTH: 42%" valign="top" align="left">
<div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">&#160;</div>
</td>
</tr>

<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 35%" valign="top">&#160; </td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 5%" valign="top">By:&#160; </td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 42%" valign="top">Southern Bank, as Plan Administrator&#160; </td>
</tr>

<tr>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 35%" valign="top">&#160; </td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 5%" valign="top">&#160; </td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 42%" valign="top">&#160; </td>
</tr>

<tr>
<td style="FONT-FAMILY: 'Times New Roman', serif; WIDTH: 35%; PADDING-BOTTOM: 2px" valign="top" align="left">
<div style="FONT-SIZE: 12pt; TEXT-ALIGN: left; MARGIN-LEFT: 0pt; DISPLAY: block; LINE-HEIGHT: 13.7pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt">Date&#160;&#160;December 20, 2017</div>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold; TEXT-ALIGN: right">EXHIBIT 23</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: Arial, sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt">Consent of Independent Registered Public Accounting Firm</div>

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<div style="font-family: 'Times Roman', serif; font-size: 11pt; margin-bottom: 10pt; text-align: left; line-height: 14.4pt;">We consent to the incorporation by reference in the Registration Statement on Form S-8 (File No. 333-170651) pertaining to Southern Bank 401(k) Retirement Plan of our report dated December 20, 2017, on our audit of the statements of net assets available for benefits of Southern Bank 401(k) Retirement Plan as of June 30, 2017 and 2016, and the related statement of changes in net assets available for benefits for the year ended June 30, 2017, which report appears in the June 30, 2017, annual report on Form 11-K of Southern Bank 401(k) Retirement Plan.</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">St. Louis, Missouri</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">December 20, 2017</div>
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