<SEC-DOCUMENT>0001206774-22-001042.txt : 20220408
<SEC-HEADER>0001206774-22-001042.hdr.sgml : 20220408
<ACCEPTANCE-DATETIME>20220408102251
ACCESSION NUMBER:		0001206774-22-001042
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		9
CONFORMED PERIOD OF REPORT:	20220517
FILED AS OF DATE:		20220408
DATE AS OF CHANGE:		20220408

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHERN FIRST BANCSHARES INC
		CENTRAL INDEX KEY:			0001090009
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				582459561
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27719
		FILM NUMBER:		22815795

	BUSINESS ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607
		BUSINESS PHONE:		8646799000

	MAIL ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GREENVILLE FIRST BANCSHARES INC
		DATE OF NAME CHANGE:	19990707
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>sfst4023331-def14a.htm
<DESCRIPTION>DEFINITIVE PROXY STATEMENT
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<DIV><P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>UNITED
STATES</B><BR>
<B>SECURITIES AND EXCHANGE COMMISSION</B><BR>
<B>Washington, D.C. 20549</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>SCHEDULE
14A</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Proxy Statement
Pursuant to Section 14(a) of<BR>
the Securities Exchange Act of 1934</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0.2in; text-indent: 0.9pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Filed
by the Registrant <FONT STYLE="font-family: Wingdings">x</FONT><BR> Filed by a Party other than the Registrant <FONT STYLE="font-family: Wingdings">o</FONT><BR> Check the appropriate box:</FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Preliminary
    Proxy Statement</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Confidential,
    for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</B></FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">x</FONT></td>
    <TD><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Definitive
    Proxy Statement</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT></FONT></td>
    <TD><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Definitive
    Additional Materials</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Soliciting
    Material under  &sect;240.14a-12</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0.2in; margin-bottom: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Southern
First Bancshares, Inc.</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0.2in; margin-top: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">(Name of
Registrant as Specified In Its Charter)</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0.2in; margin-bottom: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"></FONT></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER"><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; width: 35%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0.2in; margin-top: 3pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">(Name of
Person(s) Filing Proxy Statement, if other than the Registrant)</FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Payment
    of Filing Fee (Check the appropriate box):</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="1"><FONT STYLE="font-family: Wingdings">x</FONT></td>
    <TD><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">No
    fee required.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="1"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Fee
    computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="1"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <TD><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Fee
    paid previously with preliminary materials.</FONT></td></tr>
</table>
<BR>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<P STYLE="color: Red; margin-right: 0; margin-left: 0; font-weight: bold; text-align: center; text-indent: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><IMG SRC="sfst4023331-def14ax1x5.jpg" ALT=""></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>SOUTHERN
FIRST BANCSHARES, INC.</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>100
Verdae Boulevard, Suite 100 | Greenville, South Carolina 29607</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Notice
of Annual Meeting of Shareholders To Be Held on May 17, 2022</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Dear Fellow Shareholder:</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We cordially
invite you to attend the 2022 Annual Meeting of Shareholders of Southern First Bancshares, Inc. (the &ldquo;Company&rdquo; or
&ldquo;Southern First&rdquo;), the holding company for Southern First Bank (the &ldquo;Bank&rdquo;). At the meeting, we will report
on our performance in 2021 and answer your questions. We look forward to discussing both our accomplishments and our future plans
with you. We hope that you can attend the meeting and look forward to seeing you there.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">This letter
serves as your official notice that we will hold the meeting on May 17, 2022 at the Bank&rsquo;s principal executive office located
at 100 Verdae Boulevard, Suite 100, Greenville, South Carolina, at 9:30 a.m. Eastern Standard Time, for the following purposes:
&#9;</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">To
                                         elect four directors to serve a three-year term; </FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">To
                                         approve the compensation of our named executive officers as disclosed in the accompanying
                                         proxy statement (this is a non-binding, advisory vote);</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">To
                                         ratify the appointment of Elliott Davis, LLC as our independent registered public accountant
                                         for the year ending December 31, 2022; and</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">To
                                         transact any other business that may properly come before the meeting or any adjournment
                                         of the meeting.</FONT></TD></TR></TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Shareholders
owning our common stock at the close of business on March 18, 2022 are entitled to attend and vote at the Annual Meeting. The
enclosed proxy statement and proxy are first being sent to our shareholders on or about April 8, 2022. A complete list of these
shareholders will be available at our offices prior to the meeting. If your shares are held in &ldquo;street name,&rdquo; you
will need to obtain a proxy form from the institution that holds your shares in order to vote at our annual meeting.</FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: normal 9pt Arial, Helvetica, Sans-Serif">In
making your own decision regarding whether to attend the annual meeting, we advise our shareholders to take into account the current
health environment and the risks to your personal health and the health of others. You have a number of ways to vote (mail-in
proxy, on-line or telephone) in addition to voting by ballot if you are present in person at the meeting, and we encourage you
to use them.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B><I>Important
Notice of Internet Availability</I></B>. This proxy statement and the Annual Report on Form 10-K for the year ended December 31,
2021 are available to the public for viewing on the Internet at <I>http://www.edocumentview.com/sfst</I>. Directions to the annual
meeting can be obtained by contacting Mrs. Ellen Kish at 864.679.9000.</FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Please
use this opportunity to take part in the affairs of your company by voting on the business to come before this meeting. Even if
you plan to attend the meeting, we encourage you to complete and return the enclosed proxy to us as promptly as possible.</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; vertical-align: bottom; text-align: left"><P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Greenville, South Carolina<br>
        April 8, 2022</FONT></P>
        </td>
    <TD STYLE="width: 50%"><P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in; margin-bottom: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">By order of the Board
        of Directors,</FONT></P>
                           <P STYLE="margin: 0; text-indent: 0in"><IMG SRC="sfst4023331-def14ax1x6.jpg" ALT=""></P>

        <P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in; margin-top: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">R. Arthur Seaver, Jr.<br>
        <I>Chief Executive Officer</I></FONT></P>
        </td></tr>
</table>

<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>SOUTHERN
FIRST BANCSHARES, INC.</B><BR>
<B>100 Verdae Boulevard, Suite 100</B><BR>
<B>Greenville, South Carolina 29607</B></FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 50%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; width: 100%; text-indent: 0in; text-align: center; border-top: Black 1px solid; border-bottom: Black 1px solid; padding-top: 10pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Proxy
    Statement for Annual Meeting of<br>
    Shareholders to be Held on May 17, 2022</B></FONT></td>
    </tr>
</table>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our Board
of Directors is soliciting proxies for the 2022 Annual Meeting of Shareholders. This proxy statement contains important information
for you to consider when deciding how to vote on the matters brought before the meeting. <B>We encourage you to read it carefully.</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">In this
proxy statement, &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our,&rdquo; &ldquo;Southern First,&rdquo; or the &ldquo;Company&rdquo;
refer to Southern First Bancshares, Inc., the &ldquo;Bank&rdquo; refers to Southern First Bank, and &ldquo;you&rdquo; and &ldquo;your&rdquo;
refer to each shareholder of Southern First Bancshares, Inc.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>VOTING
INFORMATION</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: left; text-indent: 0in"><FONT STYLE="font: normal 9pt Arial, Helvetica, Sans-Serif"><I>Record
Date; Shares Outstanding</I></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our Board
of Directors set March 18, 2022 as the record date for the meeting. Shareholders owning our common stock at the close of business
on that date are entitled to attend and vote at the meeting, with each share entitled to one vote. There were 7,978,369 shares
of common stock outstanding on the record date.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Shares
Held in Street Name</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Many of
our shareholders hold their shares through a stockbroker, bank or other nominee rather than directly in their own name. If you
hold our shares in a stock brokerage account or by a bank or other nominee, you are considered the <I>beneficial owner</I> of
shares held in street name, and these materials are being forwarded to you by your broker or nominee, which is considered the
<I>shareholder of record</I> with respect to those shares. As the <I>beneficial owner</I>, you have the right to direct your broker
or nominee to vote your shares as you decide and are also invited to attend the annual meeting. However, since you are not the
<I>shareholder of record</I>, you may not vote these shares in person at the meeting unless you obtain a signed proxy from the
<I>shareholder of record</I> giving you the right to vote the shares. Your broker or nominee has enclosed or provided a voting
instruction card for you to use to direct your broker or nominee how to vote these shares.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Quorum
and Adjournment</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">A majority
of the outstanding shares of common stock represented at the meeting will constitute a quorum. If a share is represented for any
purpose at the meeting by the presence of the registered owner or a person holding a valid proxy for the registered owner, it
is deemed to be present for the purposes of establishing a quorum. Therefore, valid proxies which are marked &ldquo;Abstain&rdquo;
or &ldquo;Withhold&rdquo; or as to which no vote is marked, including proxies submitted by brokers who are the record owners of
shares but who lack the power to vote such shares (so-called &ldquo;broker non-votes&rdquo;), will be included in determining the
number of votes present or represented at the meeting. If a quorum is not present or represented at the meeting, the shareholders
entitled to vote, present in person or represented by proxy, have the power to adjourn the meeting from time to time until a quorum
is present or represented. If any such adjournment is for a period of less than 30 days, no notice, other than an announcement
at the meeting, is required to be given of the adjournment. If the adjournment is for 30 days or more, notice of the adjourned
meeting will be given in accordance with our Bylaws. Our directors, officers and employees may solicit proxies for the reconvened
meeting in person or by mail, telephone or other means. At any such reconvened meeting at which a quorum is present or represented,
any business may be transacted that might have been transacted at the meeting as originally noticed. Once a quorum has been established,
it will not be destroyed by the departure of shares prior to the adjournment of the meeting.</FONT></P>

<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2&nbsp;</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Required
Vote</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Provided
a quorum is established at the annual meeting, directors will be elected by a plurality of the votes cast at the meeting. Shareholders
of the Company do not have cumulative voting rights in the election of directors. All other matters to be considered and acted
upon at the meeting, including (i) the proposal to approve, as a non-binding advisory vote, the compensation of our named executive
officers and (ii) the proposal to ratify, as a non-binding advisory vote, the appointment of Elliott Davis, LLC (&ldquo;Elliott
Davis&rdquo;) as our independent registered public accountant for the year ending December 31, 2022, require that the votes cast
in favor of the matter exceed the number of votes cast against or abstain with respect to the matter, provided a quorum has been
established. Broker non-votes and the failure to return a signed proxy will have no effect on the outcome of such matters.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Stockbrokers
are generally permitted by their regulatory authorities to vote shares held by them for their customers on matters considered
by the regulatory authorities to be routine, even if the stockbrokers have not received voting instructions from their customers.
If the regulatory authorities do not consider a matter routine, then a stockbroker is generally prohibited from voting a customer&rsquo;s
shares on the matter unless the customer has given voting instructions on that matter to the stockbroker. We expect that brokers
will be allowed to exercise discretionary authority for beneficial owners who have not provided voting instructions ONLY with
respect to the ratification of our independent registered public accountant &ndash; but not with respect to any of the other proposals
to be voted on at the annual meeting. <B>Because the proposals to elect directors and to approve, as a non-binding advisory vote,
the compensation of our named executive officers are not considered to be routine matters, it is important that you provide instructions
to your bank or broker if your shares are held in street name so that your vote with respect to these matters is counted. Stockbrokers
and banks holding shares for their customers will not have the ability to cast votes with respect to these matters unless they
have received instructions from their customers. Your stockbroker or bank will not vote on these non-routine matters if you do
not give voting instructions with respect to these matters.</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Appointed
Proxies</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">When you
sign the enclosed proxy card, you appoint R. Arthur Seaver, Jr. and Andrew B. Cajka as your representatives at the meeting. Mr.
Seaver and Mr. Cajka will vote your proxy as you have instructed them on the proxy card. If you submit a proxy but do not specify
how you would like it to be voted, Mr. Seaver and Mr. Cajka will vote your proxy &ldquo;FOR&rdquo; the election to the board of
directors of all nominees listed below under &ldquo;Election of Directors,&rdquo; &ldquo;FOR&rdquo; the non-binding advisory resolution
to approve the compensation of our named executive officers as disclosed in this proxy statement, and &ldquo;FOR&rdquo; the ratification
of our independent registered public accountant. In addition, if any other matters come before the meeting, Mr. Seaver and Mr.
Cajka will vote your proxy on such matters in accordance with their judgment.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Revocability
of Proxies and Changes to Your Vote</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If you
are a shareholder of record (i.e., you hold your shares directly instead of through a brokerage account), you may revoke your
proxy and change your vote at any time before the polls close at the meeting. You may do this by signing and delivering another
proxy with a later date or by voting in person at the meeting. If you hold your shares through a brokerage account, you must contact
your brokerage firm to revoke your proxy.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Solicitation
of Proxies</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We are
paying for the costs of preparing and mailing the proxy materials and reimbursing brokers and others for their expenses in forwarding
copies of the proxy materials to our shareholders. Our directors, officers and employees may assist in soliciting proxies but
will not receive additional compensation for doing so.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Availability
of Information</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our 2021
Annual Report to Shareholders on Form 10-K, including financial statements and financial statement schedules, but not the exhibits
to the Form 10-K, and the 2022 Notice of Annual Meeting and Proxy Statement are available on the following website, <I>http://www.edocumentview.com/sfst
</I>or through the U.S. Securities and Exchange Commission&rsquo;s (the &ldquo;SEC&rdquo;) website at <I>www.sec.gov</I>.
This information may be obtained without charge upon written request to Southern First Bancshares, Inc. Please direct your requests
to Southern First Bancshares, Inc., P.O. Box 17465, Greenville, South Carolina 29606, Attention: Corporate Secretary. Copies of
exhibits to the Form 10-K may be requested at the cost of 30 cents per page from the Company.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Householding
of Proxy Materials</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: normal 9pt Arial, Helvetica, Sans-Serif">Only
one copy of our proxy materials is being delivered to two or more shareholders who share an address unless we have received contrary
instructions from one or more of the holders. However, upon request by any shareholder, we will deliver one or more additional
copies of this proxy statement and our 2021 Annual Report on Form 10-K to shareholders at a shared address to which a single copy
of the documents was delivered. Accordingly, shareholders should contact us either by phone at 864.679.9000 or in writing to Southern
First Bancshares, Inc., P.O. Box 17465, Greenville, South Carolina 29606, Attention: Corporate Secretary, if they wish to receive
any additional copies of our proxy materials. Shareholders who share an address and are currently receiving multiple copies of
our proxy materials may contact us at the same phone number or address if they wish to receive a single copy of our proxy materials
in the future. </FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>PROPOSAL
NO. 1:<BR>
ELECTION OF DIRECTORS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our board
of directors is divided into three classes with staggered terms, so that the terms of only approximately one-third of the board
members expire at each annual meeting. Our current directors and their classes are:</FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 35%; border-top: Black 2px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 3%; border-top: Black 2px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 30%; border-top: Black 2px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 3%; border-top: Black 2px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 29%; border-top: Black 2px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Class
    I</B></FONT></td>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Class
    II</B></FONT></td>
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Class
    III</B></FONT></td></tr>
<TR STYLE="vertical-align: top; background-color: Silver">
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Mark
    A. Cothran</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Leighton
    M. Cubbage*</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Andrew
    B. Cajka</FONT></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Rudolph
    G. Johnstone, III, M.D.</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">David
    G. Ellison*</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Anne
    S. Ellefson</FONT></td></tr>
<TR STYLE="vertical-align: top; background-color: Silver">
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">R.
    Arthur Seaver, Jr.</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Terry
    Grayson-Caprio*</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Tecumseh
    Hooper, Jr.</FONT></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Anna
    T. Locke</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">James
    B. Orders, III*</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Ray
    A. Lattimore</FONT></td></tr>
<TR STYLE="vertical-align: top; background-color: Silver">
    <TD STYLE="border-bottom: Black 2px solid; padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 2px solid; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 2px solid; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 2px solid; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 2px solid; padding: 2pt 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">William
    A. Maner, IV</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0.2in; margin-top: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">*Standing for re-election at
this annual meeting.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The current
term of the Class II directors will expire at this annual meeting of shareholders, the term of the Class III directors will expire
at the 2023 annual meeting, and the term of the Class I directors will expire at the 2024 annual meeting. At the Annual Meeting,
shareholders will elect four nominees as Class II directors to serve a three-year term, expiring in 2025. The directors will be
elected by a plurality of the votes cast at the meeting, which means that the four nominees receiving the highest number of votes
will be elected. Shareholders do not have cumulative voting rights with respect to the election of directors.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If you
submit a proxy but do not specify how you would like it to be voted, Mr. Seaver and Mr. Cajka will vote your proxy to elect Mr.
Cubbage, Mr. Ellison, Mr. Orders and Ms. Grayson-Caprio as Class II directors. If any of these nominees are unable or fail to
accept nomination or election (which we do not anticipate), Mr. Seaver and Mr. Cajka will vote instead for a replacement to be
recommended by the board of directors, unless you specifically instruct otherwise in the proxy.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B><I>The
Board of Directors unanimously recommends that you vote &ldquo;FOR&rdquo; the election of Leighton M. Cubbage, David G. Ellison,
James B. Orders, III, and Terry Grayson-Caprio as Class II directors.</I></B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Biographical
Information for Each Nominee for Director</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Set forth
below is certain information about the current nominees, each of whom is also a director of the Bank.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Leighton
M. Cubbage</I>, 69, Class II director, has served as director of the Company since 1999. Mr. Cubbage is the co-founder and chairman
of Allie Capital and Serrus Capital Partners, both private real estate investment companies. Previously, he was the co-founder,
president, and chief operating officer of Corporate Telemanagement Group in Greenville, South Carolina from 1989 until 1995. Since
1995, Mr. Cubbage has been a private investor maintaining investment interests in a weekly newspaper and car dealerships. He is
a 1977 graduate of Clemson University with a bachelor&rsquo;s degree in political science. Mr. Cubbage previously served as chairman
of the Greenville Hospital System board of trustees, was a former member of the Greenville Technical College Foundation Board
and has served on the board of directors of the Greenville Chamber of Commerce, Clemson Spiro College of Entrepreneurship and
Homes of Hope. Mr. Cubbage was chosen by the South Carolina Governor as Chairman of the South Carolina Venture Capital Authority
and was inducted into the Clemson University Spiro Entrepreneurial Institute Hall of Fame in 2011. In 1993 he graduated from the
University of North Carolina at Chapel Hill&rsquo;s Advanced Management Program. Mr. Cubbage&rsquo;s leadership experience, extensive
knowledge of the technology industry and corporate management enhance his ability to contribute to the Company as a director.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>David
G. Ellison</I>, 72, Class II director, has served as director of the Company since 2001. Mr. Ellison is currently a Wealth Management
Advisor with Northwestern Mutual, where he retired as managing director in 2010, after 28 years of service in that role. Mr. Ellison
is a 1972 graduate of Furman University where he received a bachelor&rsquo;s degree and a 1976 graduate of the Clemson-Furman
University Program where he received a masters in business administration. Mr. Ellison is in his seventh term on the board of
trustees of Furman University, where he is also a former board chair. He is a past president of both the Furman Alumni Association
and Furman Paladin Club and has also served on the board of trustees for United Way of Greenville County and as a prior commissioner
of the Greenville Housing Authority. Mr. Ellison has extensive financial experience primarily in the insurance industry and has
corporate governance experience with a number of nonprofit organizations which provide a valuable perspective as a director.<I>
</I></FONT></P>



<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Terry
Grayson-Caprio, </I>58, Class II director, has served as director of the Company since 2021. In 2020, Ms. Grayson-Caprio retired
from KPMG after 35 years where she was most recently the Managing Partner of the firm&rsquo;s South Carolina practice. As Managing
Partner, she was responsible for the state&rsquo;s business operations including key accounts, business development, talent management,
market development, facilities, and financial management. She currently serves as Director and Board Chair of the Carolina Governor&rsquo;s
School for the Arts and Humanities Foundation, Director of the Greenville County Museum of Art, and Director of the Winthrop University
Foundation. Ms. Grayson-Caprio is a trusted business leader to both domestic and international companies, a persuasive communicator,
and a critical thinker which provide her with a valuable perspective as a director.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>James
B. Orders, III, 69</I>,<I> </I>Class II director, has served as director the Company and chairman of our board of directors since
1999. From 1986 to 2014, Mr. Orders was the president of Park Place Corporation, a private company engaged in the manufacture
and sale of mattresses to the wholesale market. He attended Clemson University from 1970 until 1974. Mr. Orders is a past president
of the International Sleep Products Association, a past president of the Downtown Rotary Club, a past member of the advisory board
of Greenville National Bank and a past member of the advisory board of Carolina First Bank. He is a past board member and board
chairman of Cox Industries, Inc., a private company that specialized in the manufacture and distribution of treated wood products.
Mr. Orders has executive management experience in national sales markets in addition to experience in the South Carolina real
estate market. His leadership abilities and long connection to the local communities we serve enhance his ability to serve on
our board of directors.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Our Other
Directors</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Set forth
below is information about our other directors each of whom is also a director of the Bank.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Andrew
B. Cajka, </I>62<I>, </I>Class III director, has served as a director of the Company since 1999. Mr. Cajka is the founder and
president of Southern Hospitality Group, LLC, a private hotel management and development company in Greenville, South Carolina.
Prior to starting his own business, Mr. Cajka was a managing member of Hyatt Hotels Corporation from 1986 until 1998. He is a
1982 graduate of Bowling Green State University. He serves as an executive board member for the Visit Greenville SC Convention
and Visitors Bureau and as chairman of the Clemson University Research Foundation. He is also an executive member of the One Spartanburg
Chamber Board of Directors and Chairman of the Spartanburg Tourism Council. He is a past chairman of the Greenville County Research
and Technology Development board, past chairman of the Greenville Convention and Visitors Bureau, past chairman of the Greenville
Tech Hospitality Board, and past vice chairman of the board for St. Joseph&rsquo;s High School. Mr. Cajka is a previous member
of the BMW Nationwide Tournament advisory board and has served as a board member of the Urban League, Upstate Red Cross, the Metropolitan
Arts Council and the Thornblade Board of Governors. Additionally, Mr. Cajka previously served on the board of directors for the
Greenville Chamber of Commerce and is past president of the downtown area council, as well as past chairman of Greenville Hospital
Foundation Board and past chairman of the Children&rsquo;s Hospital. Mr. Cajka has substantial development and management experience
in the hospitality industry and is extensively involved in the local community, both of which enhance his ability to serve as
a director.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Mark
A. Cothran, </I>64, Class I director, has served as director of the Company since 1999. Mr. Cothran is the president and owner
of Cothran Properties, LLC, a private real estate development company in Greenville, South Carolina, and he has been with Cothran
Properties, LLC since 1986. Mr. Cothran received his bachelor&rsquo;s degree in finance and banking from the University of South
Carolina in 1980 and is a licensed real estate broker in the State of South Carolina. He currently serves on the Tax and Legislative
Committee and the National Business Park Forum of the National Association of Industrial and Office Properties (NAIOP) for which
he is also the past chairman. He is also the past president of the state chapter of NAIOP. He has served on the board of directors
of the Greenville Chamber of Commerce, the Chamber of Commerce&rsquo;s Economic Development Board, the Advisory Board of Greenville
National Bank, and the board of directors of General Wholesale Distributors, Inc. His extensive experience in real estate and
development activities, along with his long term ties to our local community, provide him with a valuable understanding of the
key markets we serve.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Anne
S. Ellefson</I>, 67, Class III director, has served as a director of the Company since 2001. Mrs. Ellefson is an attorney and
in 2020 retired from her position as Vice President-Deputy General Counsel at Prisma Health, a not-for-profit health organization,
having been with Prisma Health, and its predecessor, Greenville Health System, since 2013. She was formerly a shareholder with
Haynsworth Sinkler Boyd, P.A., where she practiced law from 1979 through 2013. Mrs. Ellefson is a 1976 graduate of the University
of South Carolina where she received a bachelor&rsquo;s degree and a 1979 graduate of the University of South Carolina School
of Law. Mrs. Ellefson previously served on advisory boards at both United Carolina Bank and BB&amp;T Bank. She is a past chairman
of the Greater Greenville Chamber of Commerce and the United Way of Greenville County and formerly served on the Board of Directors
of the South Carolina Chamber of Commerce. She served as a member of the Board of Governors of the South Carolina Bar (where she
recently also served as President), was President of the Board of Directors of the South Carolina Educational Television Endowment,
and served as chair of South Carolina Technology&nbsp;&amp; Aviation Center (SCTAC). She currently serves as chair of the Hollingsworth
Fund and is the past President of the South Carolina Bar Foundation. In addition, she serves on the boards of the Greenville Local
Development Corporation and Verdae Development, Inc. Mrs. Ellefson has extensive legal experience, with a specialization in real
estate, and significant leadership activities in local and state chamber and other development organizations, all of which give
her useful insights and a valuable understanding of the key markets we serve.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">5</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Tecumseh
&ldquo;Tee&rdquo; Hooper, Jr., </I>74<I>,</I> Class III director, has served as a director of the Company since 1999. Mr. Hooper
is a private investor and chairman of the board of FGP International Inc., a private executive search and temporary placement
service company, and he has been with FGP International Inc. since 2003. He was the president of Modern Office Machines/IKON Office
Solutions in Greenville, South Carolina, from 1982 through 2001, chief executive officer of Profit Lab from 2001 through 2006,
chief executive officer of General Wholesale Distributor from 2007 through 2016, and chief executive officer of Sign Crafters,
USA, LLC, from 2016 through 2018. Mr. Hooper graduated from The Citadel in 1969 with a degree in business administration, and
he received a masters in business administration from the University of South Carolina in 1971. Mr. Hooper has served the community
as a board member of the Greenville Chamber of Commerce, Camp Greenville, YMCA Metropolitan, and the United Way, and as past president
of the Greenville Urban League. Mr. Hooper has also served on the board of directors for Leadership Greenville, Leadership South
Carolina, and also served as chairman of the South Carolina Department of Transportation, and of the Patriots Point Development
Authority in Charleston. He is a former member of The Citadel Board of Visitors and serves on the boards of Verdae Development
and Upstate Warrior Solution. Mr. Hooper&rsquo;s deep ties to the Greenville community, varied business career in executive management,
and experience with key government agencies provide him with a valuable perspective as a director.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Rudolph
G. &ldquo;Trip&rdquo; Johnstone, III, M.D.</I>, 61, Class I director, has served as a director of the Company since 1999. Dr.
Johnstone is a physician who has practiced with Allergy Partners of the Upstate since 1992. He graduated from Washington&nbsp;&amp;
Lee University in 1982 with a degree in biology and from the Medical University of South Carolina in 1986. Dr. Johnstone served
on the advisory board to Greenville National Bank from 1995 until 1998. He serves on the board of directors of Allergy Partners,
PA and is a past president of the Southeastern Asthma, Allergy, and Immunology Society. Dr. Johnstone has an extensive knowledge
of and a connection to the medical community, a targeted market for the bank, which enhances his ability to contribute to the
Company as a director.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Ray
A. Lattimore, </I>62, Class III director, has served as director of the Company since 2021. Since 1996, Mr. Lattimore has served
as founder, President, and Chief Executive Officer of Marketplace Professional Staffing, a staffing firm which provides high quality,
value-added recruiting and staffing solutions to leading regional, national, and international companies. He also founded the
Ace Building Maintenance Company which supplies various corporate and industrial accounts with highly dependable janitorial and
maintenance services. Mr. Lattimore currently serves as Chairman of the Phillis Wheatley Community Center Board of Directors,
Vice Chairman of Greenville Technical College Area Commission Board of Directors and is on the Strategic Planning Committee of
the Bon Secours Saint Francis Health System Board. Mr. Lattimore is a respected community leader and a dynamic speaker on entrepreneurship,
minority enterprises, and wealth creation, which enhances his ability to serve as a director.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Anna
T. Locke, </I>45,<I> </I>Class I director, has served as director of the Company since 2018. Ms. Locke is the president and owner
of A.T. Locke, PC, an outsourced accounting management company. Prior to starting her own business in 2004, Ms. Locke was with
Elliott Davis, a regional accounting firm headquartered in Greenville, South Carolina. Ms. Locke is a 1998 magna cum laude graduate
of Clemson University and a certified public accountant. Ms. Locke is a past member of Vistage International and the Accounting
Advisory Committees for both Greenville Technical College and Clemson University and former Treasurer of InnoVision Awards Organization.
Ms. Locke has previously served on the board for the Center for Developmental Services, NEXT School, Certified Development Corporation
of South Carolina, the Greater Greer Chamber of Commerce and Friends of the Guardian ad Litem. Ms. Locke&rsquo;s financial expertise
and experience with various local businesses and non-profit organizations provide her with a valuable perspective as director.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>William
A. Maner, IV, </I>59, Class III director, has served as a director of the Company since 2021. From 2006 to 2018, Mr. Maner served
as a founding partner of Edge Capital, an investment firm based in Atlanta, Georgia, and has served as an Advisory Director for
the firm since 2018. He has also served as an Advisory Director of Lazear Capital Partners, an ESOP M&amp;A firm, based in Columbus,
Ohio since 2020. Mr. Maner previously worked for Arthur Andersen, as a certified public accountant, and for Morgan Stanley as
an investment banker. He was also the Chief Financial Officer for ExGov, an early-stage Internet company. Mr. Maner currently
serves on the Board of Directors of the Atlanta Youth Project. Mr. Maner&rsquo;s ties to the Atlanta community, a key market for
the bank, enhances his ability to serve on our board of directors.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">6</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>R. Arthur
&ldquo;Art&rdquo; Seaver, Jr.</I>, 58, Class I director, has served as our Chief Executive Officer since 1999. He has over 30
years of banking experience. From 1986 until 1992, Mr. Seaver held various positions with The Citizens&nbsp;&amp; Southern National
Bank of South Carolina. From 1992 until February 1999, he was with Greenville National Bank, which was acquired by Regions Bank
in 1998. He was the senior vice president in lending and was also responsible for managing Greenville National Bank&rsquo;s deposit
strategies prior to leaving to form the Bank. Mr. Seaver is a 1986 graduate of Clemson University with a bachelor&rsquo;s degree
in financial management and a 1999 graduate of the BAI Graduate School of Community Bank Management. He currently serves as a
member of the Community Depository Institutions Advisory Council of the Federal Reserve Bank of Richmond and the Phillis Wheatly
Community Center in Greenville, South Carolina. He is a past member of the board of the St. Francis Foundation, past chairman
of the Board for the South Carolina Bankers Association and past chair of the United Way of Greenville County Board of Trustees.
In addition, he has worked with organizations including the United Way of Greenville County, Leadership Greenville, the Greenville
Chamber of Commerce, the South Carolina Network of Business and Education Partnership, Junior League, Junior Achievement, the
Greenville Convention and Visitors Bureau, the United Way, and the First Presbyterian Church in Greenville. Mr. Seaver&rsquo;s
experience in banking and vision for our company give him the leadership and consensus building skills that provide significant
insight and expertise to the board. In addition, his involvement with various local and nonprofit organizations provides him with
a valuable understanding of the communities we serve.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>BOARD
DIVERSITY DISCLOSURE</B></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">In accordance
with The Nasdaq Stock Market (&ldquo;NASDAQ&rdquo;) Listing Rule 2606, each NASDAQ-listed company must disclose annually information
on each director&rsquo;s voluntary self-identified characteristics. The table below includes information on the diversity of the
board of directors based upon such information voluntarily provided by each director.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Board
Diversity Matrix (As of March 15, 2022)</B></FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
    <TD COLSPAN="5" STYLE="border-top: Black 2px solid; vertical-align: bottom; text-indent: 0in; padding-left: 3pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Total
    Number of Directors</B></FONT></td>
    <TD STYLE="vertical-align: top; border-top: Black 2px solid; padding-top: 6pt; padding-bottom: 6pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; border-top: Black 2px solid; padding-top: 6pt; padding-bottom: 6pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; border-top: Black 2px solid; padding-top: 6pt; padding-bottom: 6pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-top: Black 2px solid; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>13</B></FONT></td></tr>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 45%; text-indent: 0in; text-align: center; padding-left: 3pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 1%; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 10%; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 1%; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 10%; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 1%; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 10%; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 1%; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="width: 21%; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0in; text-align: center; padding-left: 3pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Female</B></FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Male</B></FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Non-Binary</B></FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Did
    Not Disclose Gender</B></FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Part I: Gender Identity</B></FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Directors</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">8</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-indent: 0in; text-align: center; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD COLSPAN="2" STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Part II: Demographic
    Background</B></FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">African American or Black</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Alaskan Native or Native American</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Asian</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Hispanic or Latinx</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Native Hawaiian or Pacific Islander</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">White</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">7</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Two or More Races or Ethnicities</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">LGBTQ+</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD COLSPAN="7" STYLE="text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="border-bottom: Black 2px solid; text-indent: 0in; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Did
    Not Disclose Demographic Background</FONT></td>
    <TD STYLE="border-bottom: Black 2px solid; text-indent: 0in; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD COLSPAN="7" STYLE="border-bottom: Black 2px solid; text-align: center; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2</FONT></td></tr>
</table>

<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">7</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0.2in; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Biographical
Information for Our Executive Officers Who are Not Directors</B></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our executive
officers, as such term is defined in Rule 3b-7 of the Securities Exchange Act of 1934 (the &ldquo;Exchange Act), consist of R.
Arthur Seaver, Jr., the chief executive officer of the Company and the Bank, Michael D. Dowling, the chief operating officer and
chief financial officer of the Company and the Bank, Calvin C. Hurst, Chief Banking Officer of the Company and the Bank, William
M. Aiken, III, Chief Risk Officer of the Company and the Bank, and Silvia T. King, Chief Human Resources Officer of the Company
and the Bank. Biographical information for each of our executive officers is provided below (other than Mr. Seaver). Because Mr.
Seaver also serves on our board of directors, we have provided his biographical information above with our other directors.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Michael
D. Dowling,</I> 50, has served as our executive vice president and chief financial officer since 2011 and as our chief operating
officer since July 2019.&nbsp;He has over 25 years of experience in the banking industry.&nbsp;Mr. Dowling was previously employed
with KPMG LLP from 1994 until 2011, including most recently as an Audit Partner (2005-2011) and a member of KPMG&rsquo;s Financial
Services practice. &nbsp;Mr.&nbsp;Dowling has extensive experience working with public companies and financial institutions. He
is a 1993 graduate of Clemson University, with a degree in Accounting and is a certified public accountant in South Carolina and
North Carolina.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Calvin
C. Hurst, </I>40,<I> </I>has served as chief banking officer of our Company and our Bank since March 2019. Mr. Hurst has over
15 years of banking experience. From 2006 to 2019, Mr. Hurst worked for several large financial institutions serving as a commercial
underwriter, commercial relationship manager, and most recently as a regional vice president for TD Bank. Mr. Hurst is a 2005
graduate of Furman University, with a Bachelor&rsquo;s degree in Business Administration and Economics.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>William
M. Aiken, III, </I>48, has served as a senior executive vice president and chief risk officer of our Company and our Bank since
2021 and previously served as an executive credit risk officer since 2020.&nbsp;Mr. Aiken has worked in the banking industry for
over 25 years. Beginning in 1996, he has served in various roles at several financial institutions, including most recently as
chief commercial credit officer at a regional bank. &nbsp;He is a 1996 graduate of Clemson University, with a degree in Financial
Management.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Silvia
T. King, </I>44, has served as chief human resources officer of our Company and our Bank since March 2018. Ms. King has over 18
years of Human Resources leadership experience, serving in various human resource and senior management roles with Monsanto Company
and Select Comfort Corporation. From 2009 to 2016, Ms. King served as senior human resources consultant for FGP International,
a professional staffing firm in Greenville, and from 2016 to 2018 as a human resources instructor with e-Cornell University. Ms.
King holds degrees in Psychology and International Marketing from Clemson University and a Master of Human Resources degree from
the University of South Carolina.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">8</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>PROPOSAL
NO. 2:<BR>
NON-BINDING RESOLUTION TO APPROVE THE COMPENSATION<BR>
OF THE NAMED EXECUTIVE OFFICERS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Pursuant
to rules adopted by the SEC under the Dodd-Frank Act Wall Street Reform and Consumer Protection Act (the &ldquo;Dodd-Frank Act&rdquo;)
and Section 14A of the Exchange Act, we are asking you to approve the compensation of our named executive officers as described
under &ldquo;Compensation of Directors and Executive Officers&rdquo; and the tabular disclosure regarding named executive officer
compensation (together with the accompanying narrative disclosure) elsewhere in this proxy statement.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">As described
below under the heading &ldquo;Compensation Overview,&rdquo; we seek to align the interests of our named executive officers with
the interests of our shareholders. Therefore, our compensation programs are designed to reward our named executive officers for
the achievement of strategic and operational goals and the achievement of increased shareholder value, while at the same time
avoiding the encouragement of unnecessary or excessive risk-taking. We believe that our compensation policies and procedures are
competitive and focused on performance and are strongly aligned with the long-term interest of our shareholders.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The proposal
described below, commonly known as a &ldquo;Say-on-Pay&rdquo; proposal, gives you as a shareholder the opportunity to express
your views regarding the compensation of our named executive officers by voting to approve or not approve such compensation as
described in this proxy statement. This vote is advisory and will not be binding upon us, the board of directors, or our compensation
committee. However, we, the board, and the compensation committee will take into account the outcome of the vote when considering
future executive compensation arrangements. The vote on this resolution is not intended to address any specific element of compensation,
but rather relates to the overall compensation of our named executive officers, as described elsewhere in this proxy statement
in accordance with the compensation disclosure rules of the SEC.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The board
of directors believes our compensation policies and procedures achieve the aforementioned objectives, and therefore recommend
shareholders vote &ldquo;FOR&rdquo; the proposal through the following resolution:</FONT></P>



<P STYLE="margin-right: 31.5pt; margin-left: 0.8in; text-align: justify; text-indent: -0.9pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&ldquo;Resolved,
that the compensation of the named executive officers named in the Summary Compensation Table of Southern First Bancshares, Inc.&rsquo;s
Proxy Statement for the 2022 Annual Meeting of Shareholders, including the tabular and narrative compensation disclosures, is
hereby approved.&rdquo;</FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If a quorum
is present at the annual meeting, this proposal will be approved if the votes cast in favor of the matter exceed the number of
votes cast against or abstain with respect to the matter. Broker non-votes and the failure to return a signed proxy will have
no effect on the outcome of the vote on this matter.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B><I>The
board of directors unanimously recommends a vote &ldquo;FOR&rdquo; the approval of the compensation of the named executive officers
as disclosed in this proxy statement.</I></B></FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">9</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>PROPOSAL
NO. 3</B><BR>
<B>RATIFICATION OF APPOINTMENT OF</B><BR>
<B>OUR INDEPENDENT REGISTERED PUBLIC ACCOUNTANT</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Although
we are not required to seek shareholder ratification on the selection of our accountants, we believe obtaining shareholder ratification
is desirable. In the event the appointment of Elliott Davis is not ratified by the required vote, the audit committee will re-evaluate
the engagement of our independent auditors. Even if the shareholders do ratify the appointment, our audit committee has the discretion
to appoint a different independent registered public accounting firm at any time during the year if the audit committee believes
that such a change would be in the best interest of us and our shareholders. We expect that a representative from Elliott Davis
will attend the meeting and will be available to respond to appropriate questions from shareholders. The representative will also
have an opportunity to make a statement if he or she desires to do so.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If a quorum
is present at the Annual Meeting, this proposal will be approved if the votes cast in favor of the proposal exceed the votes cast
against or abstain with respect to the proposal. Because this proposal is a &ldquo;routine&rdquo; matter, if you do not submit
voting instructions to your broker, your broker may exercise its discretion to vote your shares on this proposal.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B><I>The
board of directors unanimously recommends that shareholders vote &ldquo;FOR&rdquo; the ratification of the appointment of Elliott
Davis as our independent registered public accounting firm for the year ending December 31, 2022.</I></B></FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">10</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>MEETINGS
AND COMMITTEES OF THE BOARD OF DIRECTORS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Attendance
at Board, Committee and Annual Shareholders&rsquo; Meetings</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">During
2021, our board of directors held 10 meetings and the board of directors of the bank held 10 meetings. All of the directors of
the Company and the Bank attended at least 75% of the aggregate of such board meetings and the meetings of each committee on which
they served.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Although
we do not have a formal policy regarding attendance by members of the board of directors at our annual shareholders&rsquo; meetings,
directors are encouraged to attend our annual shareholders&rsquo; meeting. All of the then-serving directors were present at the
2021 Annual Meeting of Shareholders.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Code of Ethics</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We expect
all of our employees to conduct themselves honestly and ethically, particularly in handling actual and apparent conflicts of interest
and providing full, accurate, and timely disclosure to the public.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We have
adopted a Code of Ethics that is specifically applicable to our senior management and financial officers, including our principal
executive officer, our principal financial officer, and controller. The full text of our Code of Ethics, and any amendments thereto,
are (or will be in the case of any amendments) available on our website, https://www.southernfirst.com/, under the &ldquo;Investors&rdquo;
link at the bottom. We intend to post on our website all disclosures that are required by law or NASDAQ listing standards concerning
any amendments to, or waivers from, the Code of Ethics.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Stock
Ownership Guidelines</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We believe
that it is in our best interest and that of our shareholders to align the personal financial interests of our directors and officers
with those of our shareholders. While the board of directors has not implemented stock ownership guidelines for our directors
and named executive officers, the board periodically analyzes the ownership of such individuals and believes that their personal
financial interests are aligned with those of our shareholders.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Prohibitions
on Hedging and Pledging</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We consider
it improper and inappropriate for our directors, officers and employees to engage in short-term or speculative transactions in
our securities or in other transactions in our securities that may lead to inadvertent violations of the insider trading laws.
Accordingly, under our Insider Trading Policy:</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">we
                                         prohibit the sale of any of our securities &ldquo;short&rdquo;; and</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">we
                                         discourage, and require preclearance of, </FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">hedging
                                         or monetization transactions, such as prepaid variable forwards, equity swaps, collars
                                         and exchange funds, which allow a director, officer or employee to lock in much of the
                                         value of his or her stock holdings, often in exchange for all or part of the potential
                                         for upside appreciation in the stock; or</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">o</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">holding
                                         our securities in a margin account or pledging our securities as collateral for a loan.
                                         </FONT></TD></TR></TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Board Leadership
Structure and Role in Risk Oversight</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We are
focused on our corporate governance practices and value independent board oversight as an essential component of strong corporate
performance to enhance shareholder value. Our commitment to independent oversight is demonstrated by the fact that a majority
of our directors are independent. In addition, all of the members of our board of directors&rsquo; audit, compensation, and nominating
and corporate governance committees are independent.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">11</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our board
of directors believes that it is preferable for one of our independent directors to serve as chairman of the board. The person
our board of directors elected as chairman, James B. Orders, III, has been one of our directors since 1999 and is a long-time
resident of our primary market area. We believe it is our chairman&rsquo;s responsibility to guide the board as it provides leadership
to our executive management, while our chief executive officer&rsquo;s responsibility is to manage the Company. As directors continue
to be faced with more oversight responsibility than ever before, we believe it is beneficial to have separate individuals in the
role of chairman and chief executive officer. Traditionally, we have maintained the separateness of the roles of the chairman
and the chief executive officer. In making this decision to have an independent chairman, our board of directors considered the
time and attention that Mr. Seaver is required to devote to managing our day-to-day operations as the chief executive officer.
By having another director serve as chairman of our board of directors, Mr. Seaver is able to focus his entire energy on running
the Company. This also ensures there is no duplication of effort between the chairman and the chief executive officer. We believe
this board leadership structure is appropriate in maximizing the effectiveness of board oversight and in providing perspective
to our business that is independent from executive management. We recognize that different board leadership structures may be
appropriate for companies in different situations. We will continue to reexamine our corporate governance policies and leadership
structures on an ongoing basis to ensure that they continue to meet our needs.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our audit
committee is primarily responsible for overseeing our risk management processes on behalf of the full board of directors. The
audit committee focuses on financial reporting risk and oversight of the internal audit process. It receives reports from management
at least quarterly regarding our assessment of risks and the adequacy and effectiveness of internal control systems, as well as
reviewing credit and market risk (including liquidity and interest rate risk), and operational risk (including compliance and
legal risk). Strategic and reputation risk are also regularly considered by this committee. The audit committee also receives
reports from management addressing the most serious risks affecting our day-to-day operations. The audit committee reports regularly
to the full board of directors, which also considers our entire risk profile. The full board of directors focuses on certain significant
risks we face and on certain aspects of our general risk management strategy. Management is responsible for the day-to-day risk
management processes. We believe this division of responsibility is the most effective approach for addressing the risks we face
and that our board leadership structure supports this approach.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">With respect
to cybersecurity, on a quarterly basis, our audit committee receive reports on cybersecurity risks and preparedness from management.
While our audit committee, and the board of directors to which it reports, oversees our cybersecurity risk management, our management
and Information Technology department are responsible for the day-to-day cybersecurity risk management processes. Formal security
awareness training is conducted regularly to increase overall employee awareness about cyber threats. Threat from cyber-attacks
is severe, attacks are sophisticated and increasing in volume, and attackers respond rapidly to changes in defensive measures.
Our systems and those of our customers and third-party service providers are under constant threat and it is possible that we
could experience a significant event in the future. While we believe that our cybersecurity programs are appropriate and have
been effective to prevent material incidents thus far, risks and exposures related to cybersecurity attacks are expected to remain
high for the foreseeable future due to the rapidly evolving nature and sophistication of these threats, as well as due to the
expanding use of Internet banking, mobile banking and other technology-based products and services by us and our customers. We
maintain a cyber insurance policy that is designed to reduce the risk of loss resulting from cyber security breaches.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Director
Independence</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Under
the listing standards of NASDAQ, independent directors must constitute a majority of a listed company&rsquo;s board of directors.
A director will only qualify as an &ldquo;independent director&rdquo; if, in the opinion of that company&rsquo;s board of directors,
that person does not have a relationship that would interfere with the director&rsquo;s exercise of independent judgment in carrying
out the responsibilities of a director. Our board of directors has evaluated the independence of each director based on the independence
criteria under NASDAQ rules and has determined that 11 of our 13 directors are independent, specifically, each of Messrs.&nbsp;Cajka,
Cubbage, Ellison, Hooper, Johnstone, Lattimore, Maner and Orders and Mss. Ellefson, Grayson-Caprio and Locke is an independent
director. As part of this evaluation, our board of directors considered the current and prior relationships that each independent
director has with us and all other facts and circumstances our board of directors deemed relevant in determining their independence,
including the beneficial ownership of our shares by each independent director, and the matters discussed under &ldquo;Certain
Relationships and Related Party Transactions.&rdquo;</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our board
of directors determined that the following directors are not independent: Mr. Seaver (our chief executive officer) and Mr. Cothran.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">12</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Committees of the Board of
Directors </B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The following
chart shows the current composition of the committees of our board of directors, the number of meetings held by each committee
during 2021, and which directors are &ldquo;independent&rdquo; based upon the independence criteria set forth in the corporate
governance listing standards of NASDAQ. The audit committee, nominating and corporate governance committee, and compensation committee
are comprised exclusively of independent directors.</FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
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    <FONT STYLE="font-variant: normal">(10 Meetings)</FONT></FONT></td>
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    <FONT STYLE="font-variant: normal">(3 Meetings)</FONT></FONT></td>
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    <FONT STYLE="font-variant: normal">(6 Meetings)</FONT></FONT></td>
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    <br>
    &amp;&nbsp;Corporate <br>
    Governance</B><br>
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    <TD STYLE="border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td>
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<TR>
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    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td>
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<TR STYLE="vertical-align: bottom">
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    A. Maner, IV</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td></tr>
<TR>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">James
    B. Orders, III</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;&nbsp;&nbsp;<B>Chair</B></FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;&nbsp;&nbsp;<B>Chair</B></FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td>
    <TD STYLE="vertical-align: top; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td></tr>
<TR>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; border-left: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">R.
    Arthur Seaver, Jr.</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-right: Black 1px solid; border-bottom: Black 1px solid; padding: 2pt 0.05in; text-indent: 0in; text-align: center; font-weight: bold"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Audit Committee</I></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The audit
committee is comprised of six independent directors, Messrs. Cajka, Cubbage, and Orders and Mss. Ellefson, Grayson-Caprio and
Locke, with Mr. Cajka serving as chair. Our board of directors has also determined that Terry Grayson-Caprio and Anna T. Locke
are &ldquo;Audit Committee financial experts&rdquo; for purposes of the rules and regulations of the SEC adopted pursuant to the
Sarbanes-Oxley Act of 2002. The audit committee, which met six times in 2021, has the responsibility of reviewing our financial
statements, evaluating internal accounting controls, reviewing reports of regulatory authorities and determining that all audits
and examinations required by law are performed. The committee recommends to the board of directors the appointment of the independent
auditors for the next fiscal year, reviews and approves the auditor&rsquo;s audit plans and reviews with the independent auditors
the results of the audit and management&rsquo;s responses. The audit committee is responsible for overseeing the entire audit
function and appraising the effectiveness of internal and external audit efforts. The audit committee operates under a written
charter, which is available on our website, https://www.southernfirst.com/, under
the &ldquo;Investors&rdquo; link at the bottom.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Risk Committee
(replaced the former Finance Committee)</I></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; font-style: italic; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: normal 9pt Arial, Helvetica, Sans-Serif">The
risk committee is comprised of six directors, Messrs. Cajka, Cothran, Ellison, Hooper, Johnstone, and Lattimore, with Mr. Ellison
serving as chair. The risk committee met three times in 2021 and is responsible for overseeing and reviewing our risk functions
consistent with our strategy and risk appetite, monitoring key business and regulatory compliance risks and overseeing policies
and monitoring for capital adequacy, market/earnings risk, credit risk, liquidity risk, compliance/regulatory risk, reputation/strategic
risk and operational risk.</FONT><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"> <FONT STYLE="font-style: normal">The risk
committee operates under a written charter, which is available on our website, https://</FONT></FONT><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-style: normal">www.southernfirst.com/</FONT></FONT><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-style: normal">,
under the &ldquo;Investors&rdquo; link at the bottom.</FONT></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Nominating
and Corporate Governance Committee</I></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our nominating
and corporate governance committee (the &ldquo;nominating committee&rdquo;) is comprised of three independent directors, Messrs.
Cubbage, Ellison and Orders, with Mr. Cubbage serving as chair. The nominating committee recommends nominees for election to our
board of directors at our annual meetings. The board of directors, including a majority of the independent directors, then selects
the nominees for election to the board of directors. The nominating committee also considers whether to recommend to the board
of directors the nomination of persons to serve as directors whose nominations have been recommended by shareholders. Our nominating
committee charter is available on our website, https://www.southernfirst.com/ under
the &ldquo;Investors&rdquo; link at the bottom.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">13</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We are
increasingly focused on key Environmental, Sustainability and Governance (&ldquo;ESG&rdquo;) risks and on providing transparency
around our ESG efforts. Our nominating committee is charged with overseeing our ESG strategies. In March 2022, we issued our second
annual ESG Report. For more information on our focus and enhancement of our ESG efforts, please visit our website, https://www.southernfirst.com/,
under the &ldquo;Investors&rdquo; link at the bottom and then under &ldquo;Corporate Overview&rdquo; and &ldquo;Corporate Sustainability,&rdquo;
which information is not incorporated by reference into this proxy statement.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The nominating
committee met two times in 2021. The committee met to appoint director nominees for the 2021 annual meeting and to approve the
appointment of three new board members.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Any shareholder
may recommend the nomination of any person to serve on the board of directors. Our policy is to require a shareholder to submit
the name of the person to our corporate secretary in writing no later than (i) with respect to an election to be held at an annual
meeting of shareholders, 90 days in advance of such meeting; and (ii) with respect to an election to be held at a special meeting
of shareholders for the election of directors, no more than seven days after notice of the special meeting is given to shareholders.
Each notice must set forth: (i) the name and address of the shareholder who intends to make the nomination and of the person or
persons to be nominated; (ii) a representation that the shareholder is a holder of record of stock of the Company entitled to
vote at such meeting and intends to appear in person or by proxy at the meeting to nominate the person or persons specified in
the notice; (iii) a description of all arrangements or understandings between the shareholder and each nominee and any other person
or persons (naming such person or persons) pursuant to which the nomination or nominations are to be made by the shareholder;
(iv) such other information regarding each nominee proposed by such shareholder as would be required to be included in a proxy
statement filed pursuant to the proxy rules of the SEC, had the nominee been nominated, or intended to be nominated, by the board
of directors; and (v) the consent of each nominee to serve as a director of the Company if so elected. The chairman of the meeting
may refuse to acknowledge the nomination of any person not made in compliance with the foregoing procedure.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The nominating
committee has not adopted a formal policy with regard to the consideration of diversity in identifying director nominees. In determining
whether to recommend a director nominee, the nominating committee members consider and discuss diversity, among other factors,
with a view toward the needs of the board of directors as a whole. The nominating committee members generally conceptualize diversity
expansively to include, without limitation, concepts such as race, gender, national origin, differences of viewpoint, professional
experience, education, skill and other qualities or attributes that contribute to board heterogeneity, when identifying and recommending
director nominees. The nominating committee believes that the inclusion of diversity as one of many factors considered in selecting
director nominees is consistent with the committee&rsquo;s goal of creating a board of directors that best serves the needs of
the Company and the interest of its shareholders.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The nominating
committee has performed a review of the experiences, qualifications, attributes and skills of the board&rsquo;s current membership,
including the director nominees for election to the board of directors and the other members of the board, and believes that the
current members of the board, including the director nominees, as a whole possess a variety of complementary skills and characteristics,
including the following:</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">successful
                                         business or professional experience;</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">various
                                         areas of expertise or experience which are desirable to our current business, such as
                                         financial, general management practices, planning, legal, marketing, technology, banking
                                         and financial services;</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">personal
                                         characteristics such as character, integrity and accountability, as well as sound business
                                         judgment and personal reputation;</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">residence
                                         in the bank&rsquo;s service area;</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">willingness
                                         and ability to commit the necessary time to fully discharge the responsibilities of board
                                         membership to the affairs of the Company;</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">leadership
                                         and consensus building skills; and</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">a
                                         commitment to our success.</FONT></TD></TR></TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We do not pay a third party
to assist in identifying and evaluating director candidates.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">14</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Compensation
Committee</I></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our compensation
committee is comprised of six independent directors, Ms. Ellefson and Messrs. Cubbage, Hooper, Johnstone, Maner, and Orders, with
Ms. Ellefson serving as chair. The committee met three times during 2021.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The compensation
committee may form and delegate authority to subcommittees as it deems appropriate, though it has not formed or delegated authority
to any such subcommittee to date. The compensation committee is responsible for annually reviewing the performance of our named
executive officers and reviews all compensation and awards to our executive and senior officers. In addition, the compensation
committee may engage compensation advisors to assist in determining compensation levels. The compensation committee has the exclusive
authority and responsibility to determine all aspects of executive compensation, and seeks input and recommendations from the
chief executive officer for the executive and senior officers. With respect to equity compensation awards to non-executive officers,
the compensation committee has delegated restricted stock and option granting authority to our chief executive officer. As a part
of its duties, the compensation committee must certify that it has reviewed the named executive officers&rsquo; compensation arrangements
with a view toward ensuring that they do not create incentives to take unnecessary or excessive risks that threaten the value
of the Company.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The compensation
committee operates under a written charter, which is available on our website, https://www.southernfirst.com/,
under the &ldquo;Investors&rdquo; link at the bottom.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>AUDIT COMMITTEE
MATTERS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Report of
the Audit Committee of the Board</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The information
contained in this report shall not be subject to the liabilities of Section 18 of the Exchange Act, and shall not be deemed to
be incorporated by reference in future filings with the SEC except to the extent that we specifically incorporate it by reference
into a document filed under the Securities Act of 1933 (the &ldquo;Securities Act&rdquo;) or the Exchange Act.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The audit
committee has reviewed and discussed with management the audited financial statements. The audit committee has discussed with
the independent auditors the matters required to be discussed by the applicable requirements of the Public Company Accounting
Oversight Board (&ldquo;PCAOB&rdquo;) and the SEC. The audit committee has received from the independent auditors the written
disclosures and the letter required by applicable requirements of the PCAOB and has discussed with them their independence from
the Company and its management. In reliance on the reviews and discussions referred to above, the audit committee recommended
to our board of directors that the audited financial statements be included in our Annual Report and referenced on SEC Form 10-K
for the fiscal year ended December 31, 2021.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The report
of the audit committee is included herein at the direction of its members, Messrs. Cajka, Cubbage and Orders and Mss. Ellefson,
Grayson-Caprio, and Locke.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">15</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Audit and
Related Fees</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Elliott
Davis was our auditor during the year ended December 31, 2021. A representative of Elliott Davis will be present at the annual
meeting and will be available to respond to appropriate questions and will have the opportunity to make a statement if he or she
desires to do so. The following table shows the fees that we paid for services performed by Elliott Davis in fiscal years ended
December 31, 2021 and 2020:</FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="4" STYLE="border-top: Black 2px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></td>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Year
    Ended December 31,</B></FONT></td></tr>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 73%; border-bottom: Black 1px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></td>
    <TD STYLE="width: 13%; border-bottom: Black 1px solid; padding-left: 0.5pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>2021</B></FONT></td>
    <TD STYLE="width: 1%; border-bottom: Black 1px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></td>
    <TD STYLE="width: 13%; border-bottom: Black 1px solid; padding-right: 4.25pt; padding-left: 0.5pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>2020</B></FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Audit
    Fees</FONT></td>
    <TD STYLE="vertical-align: bottom; padding-left: 0.5pt; text-indent: 0.2in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">$&nbsp;&nbsp;204,500</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 4pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;197,250</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Audit-Related
    Fees</FONT></td>
    <TD STYLE="vertical-align: bottom; padding-left: 0.5pt; text-indent: 0.2in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3,000</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt; text-indent: 0in; text-align: left"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 4pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Tax
    Fees</FONT></td>
    <TD STYLE="vertical-align: bottom; padding-left: 0.5pt; text-indent: 0.2in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">34,785</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 4pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">28,700</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Other
    Fees</FONT></td>
    <TD STYLE="vertical-align: bottom; padding-left: 0.5pt; text-indent: 0.2in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">9,750</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 4pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">9,500</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: top; border-top: Black 1px solid; border-bottom: Black 2px solid; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Total</FONT></td>
    <TD STYLE="vertical-align: bottom; border-top: Black 1px solid; border-bottom: Black 2px solid; padding-left: 0.5pt; text-indent: 0.2in; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">$&nbsp;&nbsp;252,035</FONT></td>
    <TD STYLE="vertical-align: bottom; border-top: Black 1px solid; border-bottom: Black 2px solid; padding: 2pt 0.5pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-top: Black 1px solid; border-bottom: Black 2px solid; padding: 2pt 4pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;235,450</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Audit
Fees. </I>This category includes the aggregate fees billed or to be billed for each of the last two fiscal years for professional
services rendered by Elliott Davis for the audit of our annual consolidated financial statements and employee benefit plan and
review of our quarterly reports on Form 10-Q.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Audit-Related
Fees.</I> This category includes the aggregate fees billed for non-audit serves, exclusive of the fees disclosed relating to audit
fees, during the fiscal years ended December 31, 2021 and 2020.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Tax
Fees. </I>This category includes the aggregate fees billed or to be billed for tax services rendered in the preparation of state
and federal tax returns for the Company and the Bank.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Other
Fees. </I>This category includes the aggregate fees billed for non-audit services, exclusive of the fees disclosed relating to
audit fees. During the years ended December 31, 2021 and 2020, these fees include procedures related to audit requirements by
the Department of Housing and Urban Development (&ldquo;HUD&rdquo;) related to the Bank&rsquo;s involvement in the Federal Housing
Administration lending program.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Oversight
of Accountants; Approval of Accounting Fees. </I>Under the provisions of its charter, the audit committee is responsible for the
appointment, compensation, retention and oversight of the work of the independent auditor. All of the accounting services and
fees reflected in the table above were reviewed and approved by the audit committee, and none of the services were performed by
individuals who were not employees of the independent auditor. In addition, the board of directors approves an annual budget for
professional audit fees that includes all fees paid to the independent auditors.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Pre-Approval
Policy. </I>In general, the audit committee is required to pre-approve all audit and non-audit services performed by the independent
auditor to assure that the provision of such services does not impair the auditor&rsquo;s independence. The independent auditors
provide the audit committee with an annual engagement letter outlining the scope of the audit and permissible non-audit services
proposed for the fiscal year, along with a fee proposal. The scope and fee proposal is reviewed with the internal auditor, the
audit committee chair, and, when appropriate, our management for their input (but not their approval). Once approved by the audit
committee, the services outlined in the engagement letter will have specific approval. All other audit and permissible non-audit
services that have not been approved in connection with the independent auditor&rsquo;s engagement letter for the applicable year
must be specifically pre-approved by the audit committee under the same process as noted above, where practicable. The independent
auditors shall not perform any prohibited non-audit services described in Section 10A(g) of the Exchange Act. The audit committee
must specifically pre-approve any proposed services that exceed pre-approved cost levels. All services provided by Elliott Davis,
and all fees related thereto, were approved pursuant to the pre-approval policy.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The audit
committee believes that the independent auditor can provide tax services to us, such as tax compliance, tax planning and tax advice,
without impairing the auditor&rsquo;s independence. The audit committee will not permit the retention of the independent auditor
in connection with a transaction initially recommended by the independent auditor, the purpose of which may be tax avoidance and
the tax treatment of which may not be supported in the Internal Revenue Code and related regulations.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">16</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>COMPENSATION
OF DIRECTORS AND EXECUTIVE OFFICERS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Compensation
Overview</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The following
discussion provides a description of our decision-making process and philosophy for compensating our named executive officers
in 2021. This discussion also describes the material components of our 2021 compensation program. This discussion should be read
together with the compensation tables for our named executive officers located elsewhere in this proxy statement.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our &ldquo;named
executive officers&rdquo; are the individuals who served as our principal executive officer, our principal financial officer,
and our three other most highly compensated executive officers who were serving as executive officers at the end of 2021. Our
named executive officers as of December&nbsp;31, 2021 are noted in the following table, along with their positions:</FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="width: 43%; border-bottom: Black 1px solid; text-indent: 0.2in; text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Name</B></FONT></td>
    <TD STYLE="width: 57%; border-bottom: Black 1px solid; padding-left: 0.1in; text-indent: 0.2in; text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Title</B></FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: top; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">R.
    Arthur Seaver, Jr.</FONT></td>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Chief
    Executive Officer</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Michael
    D. Dowling</FONT></td>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Chief
    Operating Officer/Chief Financial Officer</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: top; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Calvin
    C. Hurst</FONT></td>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Chief
    Banking Officer</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">William
    M. Aiken, III</FONT></td>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Chief
    Risk Officer</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: top; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Silvia
    T. King</FONT></td>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-indent: 0.2in; text-align: justify; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Chief
    Human Resources Officer</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in; margin-bottom: 0"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Key Financial
Highlights:</B></FONT></P>



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<TD STYLE="width: 0.45in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Net
                                         income was $46.7 million for the year ended December 31, 2021, a 154.9% increase from
                                         $18.3 million for the year ended December 31, 2020.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.45in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Total
                                         loans were $2.5 billion at December 31, 2021, a $347.0 million, or 16.2%, increase from
                                         2020.</FONT></TD></TR></TABLE>



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<TD STYLE="width: 0.45in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Total
                                         deposits were $2.6 billion at December 31, 2021, a $421.1 million, or 19.7%, increase
                                         from 2020.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.45in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Net
                                         charge-offs to average total loans were 0.06% for the year ended December 31, 2021 as
                                         compared to 0.10% for the year ended December 31, 2020.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.45in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Book
                                         value increased 19.4% to $35.07 per share at December 31, 2021 from $29.37 per share
                                         at December 31, 2020.</FONT></TD></TR></TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>General
Philosophy.</B> We compensate our executive and senior officers through a mix of base salary, bonuses and equity compensation
designed to recruit, reward, and retain until retirement our talented management team. In addition, we seek to align management&rsquo;s
incentives with the long-term interests of our shareholders. Our compensation setting process consists of establishing targeted
overall compensation for executive officers consisting of cash compensation, equity compensation, and retirement benefits. For
each officer, the anticipated cash compensation is allocated among base salary and incentive compensation. We design the incentive
compensation to reward corporate performance based on the achievement of overall corporate financial and strategic goals.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Role of
the Compensation Committee. </B>Our compensation committee, is responsible for annually reviewing the performance of our named
executive officers and reviews all compensation and awards to executive and senior officers. In addition, the compensation committee
may engage compensation advisors to assist it in determining compensation levels. The compensation committee has the exclusive
authority and responsibility to determine all aspects of executive compensation, and seeks input and recommendations from the
Chief Executive Officer for the other named executive officers. The committee operates under a written charter that establishes
its responsibilities and reviews the charter annually to ensure that the scope of the charter is consistent with the committee&rsquo;s
role.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Role of
the Named Executive Officers.</B> Our named executive officers and the compensation committee work together to establish, review
and evaluate performance goals for our incentive compensation plans. While these executives provide input into our corporate strategic
goals for future performance periods, the committee carefully reviews these recommended goals before giving its final approval,
and evaluates and determines whether such goals have been achieved. We believe this process ensures that performance goals will
be appropriately balanced between short- and long-term incentives and will be motivating and challenging as well as attainable.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Role of
the Compensation Consultant</B>. Every two to three years, we engage a consultant firm to assist with trends and benchmarks related
to executive compensation. In 2021, the Company engaged McLagan, an Aon Company, to provide limited independent consulting services
related to our executive compensation. In considering the retention of McLagan, the Company assessed McLagan&rsquo;s independence
in light of SEC rules and NASDAQ listing standards and determined that McLagan was independent and their work did not create any
conflicts of interest.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">17</FONT></P>
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<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">McLagan
provided the following services to us in 2021:</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; width: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Recommended a compensation peer group of publicly-traded financial institutions;</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; width: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Reviewed the competitiveness of our compensation programs for our named executive
officers, including base salary, annual incentives, long-term incentives, employment contracts and retirement benefits; and</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify; width: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Commented on the design of our incentive programs relative to the practices
of our peers and alignment with our culture and business strategy.</FONT></TD></TR>
</TABLE>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Benchmarking.
</B>The compensation committee did not use the compensation peer group provided by McLagan in 2021 to perform compensation benchmarking
but rather utilized broader-based compensation third-party industry surveys to obtain an additional understanding of what is current
market practice among US-based community banks. The compensation committee, however, did rely on the input of McLagan on how the
design of our incentive programs aligns with our culture and business strategy.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Risk Considerations.
</B>The compensation committee reviews the risks and rewards associated with the Company&rsquo;s compensation programs from time
to time. This review assesses the material elements of executive and non-executive employee compensation and has concluded that
our policies and practices do not create risk that is reasonably likely to have a material adverse effect on the Company. We believe
that our compensation programs encourage and reward prudent business judgment and appropriate risk taking over the short-term
and long-term.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Stock
Ownership Guidelines. </B>We believe that it is in our best interest and that of our shareholders to align the personal financial
interests of our directors and officers with those of our shareholders. While the board of directors has not implemented stock
ownership guidelines for our directors and named executive officers, the board periodically analyzes the ownership of such individuals
and believes that their personal financial interests are aligned with those of our shareholders.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Tax and
Accounting Considerations. </B>In consultation with our advisors, we evaluate the tax and accounting treatment of each of our
compensation programs at the time of adoption and on an annual basis to ensure an understanding of the financial impact of the
program. To preserve maximum flexibility in the design and implementation of our compensation program, we have not adopted a formal
policy that requires all compensation to be tax deductible. However, to the greatest extent possible, it is our intent to structure
our compensation programs in a tax efficient manner.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Stock
Compensation Grant and Award Practices; Timing Issues. </B>As a general matter, the compensation committee&rsquo;s process is
independent of any consideration of the timing of the release of material non-public information, including with respect to the
determination of grant dates or stock option exercise prices. Similarly, we have never timed the release of material non-public
information to affect the value of executive compensation. In general, the release of such information reflects long-established
timetables for the disclosure of material non-public information such as earnings reports or, with respect to other events reportable
under federal securities laws, the applicable requirements of such laws with respect to timing of disclosure. The compensation
committee&rsquo;s decisions are reviewed by the full board of directors.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Targeted
Overall Compensation.</B> We establish targeted overall compensation for our named executive officers by first understanding the
market value for these individuals in our regions. We seek to provide our executives with the incentive to earn above market compensation
by accomplishing significant goals related to their respective role within the Company.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Under
our compensation structure, the mix of base salary, bonus and equity compensation generally varies depending upon level. For our
named executive officers, we generally seek the mix to include a base salary of 50-60%, a bonus of 15-25%, and equity compensation
of 15-25% of total compensation.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">In allocating
compensation among these elements, we believe that the compensation of our senior-most levels of management &ndash; the levels
of management having the greatest ability to influence our performance &ndash; should be significantly weighted on performance.
Therefore, we typically offer our executives a slightly lower base salary (approximately 90% of what we believe to be average
market base salary) with the potential to earn a higher than market bonus and a higher than market overall compensation. We select
allocations that we believe are consistent with our overall compensation philosophy as described above.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">18</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The amount
of equity awarded has been based primarily on the executive officer&rsquo;s areas of responsibility. The objective of the awards
is to align management with the same interest as shareholders. From time to time additional equity awards may be granted to officers
based on performance, assumption of additional responsibilities and duties and other factors.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Base Salaries.
</B>We aim to provide our named executive officers with a base salary that is commensurate with similar financial institutions
in our market area and appropriate for the overall responsibility of the individual based on experience, performance and any other
unique factors or qualifications such as the difficulty of replacing the officer with someone of comparable experience and skill.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Bonuses/Incentive
Plan.</B> We have established a short-term incentive plan in order to reward our named executive officers for annual achievement
based on our overall strategic plan which includes company-wide performance measures such as the following:</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Net
                                         income;</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Earnings
                                         per share;</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Loan
                                         and deposit growth;</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Net
                                         interest margin; and</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.25pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Credit
                                         losses.</FONT></TD></TR></TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The incentive
plan for our named executive officers is based on the compensation committee&rsquo;s review of all key financial measures and
performance related to our strategic plan as a whole. The evaluation of these various incentive components is more subjective
in nature than objective without specific financial targets and objectives. The committee also considers whether or not the anticipated
incentive pay is within the percentage of total compensation that they have chosen to use as a guide for the allocation of total
compensation. In contrast, detailed incentive plans are developed annually for other senior officers based on the key financial
measures included in our overall strategic plan.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We do
not believe that an &ldquo;all or nothing&rdquo; approach is appropriate for incentive compensation. Rather, the evaluation of
the Company&rsquo;s performance is such that the recipient can receive part of an award in the event that acceptable, but not
the desired, results are achieved. Awards are made at various levels depending on objective quantifiable measures of accomplishments.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Equity
Compensation.</B> At various times, we issue additional compensation to our named executive officers and senior officers in the
form of equity compensation in order to further align management and shareholder interests and to reward management for increases
in shareholder value. The awards may be issued in the form of incentive stock option grants, nonstatutory stock option grants
and restricted stock awards and are determined based on our performance related to our overall strategic goals.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">With the
exception of significant promotions and new hires, we generally make these awards at the first meeting of the compensation committee
each year following the availability of the financial results for the prior year. As with the cash bonuses, the evaluation of
these financial results and corresponding determination of equity awards for our named executive officers is more subjective in
nature than objective without specific financial targets and objectives. Option exercise prices are established at market value
on the grant date and vesting provisions for granted stock options and restricted stock are at the discretion of the compensation
committee and executive management. Upon termination, unexercised options are forfeited and made available for future grants.
We fund the option shares and restricted stock from authorized but unissued shares.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Severance
Benefits.</B> We believe we should provide reasonable severance benefits to our named executive officers. These severance benefits
should reflect the fact that it may be difficult to find comparable employment within a short period of time.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">For additional
information regarding severance benefits, see &ldquo;Potential Payments Upon Termination or Change in Control&rdquo; below and
information about the employment agreements with the named executive officers that follows the Grants of Plan Based Awards table.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">19</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Retirement
Plans.</B> We have a 401(k) plan pursuant to which we match 100% of the first 2% of the employee&rsquo;s salary, and 50% of the
next 4% of the employee&rsquo;s salary. In addition, we supplemented the retirement planning by adopting a salary continuation
plan for certain management at the level of senior vice president or above, including a majority of our named executive officers.
This plan was designed to enhance our ability to retain executives over the long-term and to provide a partial offset to shortfalls
in the percentage of income provided for retirement by our 401(k). Pursuant to this plan, we accrue retirement benefits at the
levels necessary so that the net present value of the anticipated cost of the salary continuation plan is accrued at the time
the officer reaches the age of 65. When we calculate targeted overall compensation for our senior management, we factor in the
benefits expense related to both the 401(k) and the accrued individual cost of the salary continuation plan. Additional details
regarding the supplemental retirement plan are provided below following the Pension Benefits Table.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Change
in Control.</B> Our named executive officers and other employees have built Southern First into the Company that it is today,
and we believe that it is important to protect them in the event of a change in control. Further, it is our belief that the interests
of shareholders will be best served if the interests of our named executive officers are aligned with them, and providing change
in control benefits should eliminate, or at least reduce, the potential reluctance of our named executive officers to pursue potential
change in control transactions that may be in the best interests of shareholders. As such, our chief executive officer, Mr. Seaver,
has a renewable employment agreement with us for a term of three years and our chief operating officer/chief financial officer,
Mr. Dowling, chief banking officer, Mr. Hurst, and Chief Risk Officer, Mr. Aiken, have renewable employment agreements with us
for a term of two years.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Under the
terms of the employment agreements, if Messrs. Seaver, Dowling, Hurst and Aiken are terminated without &ldquo;cause&rdquo; or
terminate employment for &ldquo;good reason&rdquo; following a change in control, the executive is entitled to receive severance
compensation and any bonus accrued or unpaid through the date of termination. Mr. Seaver&rsquo;s agreement entitles him to receive
severance compensation equal to three years of base salary, while Mr. Dowling&rsquo;s, Mr. Hurst&rsquo;s, and Mr. Aiken&rsquo;s
agreements provide for severance compensation equal to two years of base salary. We believe that these levels are comparable to
our competition.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">In addition,
under the terms of the employment agreements, in the event of a change in control, we will also continue to partially fund health
insurance benefits for the legally required COBRA period or until the employee obtains comparable benefits pursuant to a subsequent
employer&rsquo;s benefit plans. Further, all restrictions on any outstanding incentive awards granted to the employee and incentive
plans become 100% vested, and all stock options and stock appreciation rights granted to the employee will also become immediately
exercisable. See &ldquo;Compensation Arrangements &ndash; <I>Employment Agreements</I>&rdquo; for additional information regarding
the employment agreements</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We have
also entered into salary continuation agreements with our named executive officers which provide, among other things, that upon
a change in control the Bank will pay to the executive a change in control benefit equal to his accrual balance at his normal
retirement age, without additional discount for the time value of money in one lump-sum payment within three days after the change
in control. If a change in control occurs at any time during the salary continuation benefit payment period and if when the change
in control occurs the executive is receiving the normal retirement benefit, the early termination benefit, or the disability benefit,
the Bank will pay the present value, calculated at the discount rate or rates established by the plan administrator, of the remaining
salary continuation benefits to the executive in a single lump-sum payment within three days after the change in control. See
&ldquo;Compensation Arrangements &ndash; <I>Salary Continuation Agreements</I>&rdquo; and &ldquo;Pension Benefits&rdquo; for additional
information regarding the salary continuation agreements.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Perquisites
and Other Benefits.</B> We annually review the perquisites that our named executive officers and other senior officers receive.
The primary perquisites for these individuals are additional levels of life insurance, the payment of the monthly dues for one
golf or social club, and an automobile or an automobile allowance. We encourage our named executive officers and other senior
officers to belong to a golf or social club so that they have an appropriate entertainment forum for clients and appropriate interaction
with their communities.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Our named
executive officers also participate in our other benefit plans on the same terms as other employees. These plans include medical
insurance, life insurance and a medical reimbursement plan.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">20</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0;  text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Role
of Shareholder Say on Pay Vote.</B> <FONT STYLE="font-weight: normal">As required by the Dodd-Frank Act, we held an advisory vote
on the compensation of our executive officers (&ldquo;say on pay&rdquo;) at our 2021 Annual Meeting of Shareholders. At the 2021
Annual Meeting of Shareholders, 84.7% of the votes cast on the say on pay proposal were cast in support of the compensation of
our named executive officers. A majority of the votes cast by our shareholders at our 2019 Annual Meeting of Shareholders were
in favor of holding this vote on an annual basis. Based on the results of this advisory vote, our board of directors elected a
frequency of every year to conduct an advisory vote on compensation of our named executive officers.</FONT></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: normal 9pt Arial, Helvetica, Sans-Serif">While
the 2021 shareholder vote reflected strong support for our executive compensation programs, the compensation committee, board
of directors and management have continued to refine compensation programs in an effort to further align interest of the executives
with those of our shareholders and to strengthen the linkage of pay for performance.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Clawback
Policy. </B>The compensation committee is committed to adopting a formal clawback provision for adjustment or recovery of incentive
awards or payments in the event the performance<B> </B>measures upon which they are based are restated or otherwise adjusted in
a manner that would reduce the size of an award or payment. The compensation committee intends to fully comply<B> </B>with the
Dodd-Frank Act regarding this issue once rulemaking has been completed with respect to these provisions.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Until
formal guidance is available, the compensation committee will seek to address any situation that may arise and determine the proper
and appropriate course of action in fairness to shareholders and named executive officer award recipients.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Regulatory
Considerations. </B>As a publicly-traded financial institution, we must contend with several often overlapping layers of regulations
when considering and implementing compensation-related decisions. These regulations do not set specific parameters within which
compensation decisions must be made, but do require the compensation committee to be mindful of the risks that often go hand-in-hand
with compensation programs designed to incentivize the achievement of better than average performance. While the regulatory focus
on risk assessment has been heightened over the last several years, the incorporation of general concepts of risk assessment into
compensation decisions is not a recent development.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The compensation
committee continues to believe in and practice a sensible approach to balancing risk-taking and rewarding reasonable, but not
necessarily easily attainable, goals and this has always been a component of its overall assessment of the compensation plans,
programs and arrangements it has put in place for our named executive officers. The compensation committee believes we have adequate
policies and procedures in place to balance and control any risk-taking that may be incentivized by the employee compensation
plans. The compensation committee further believes that such policies and procedures will work to limit the risk that any employee
would manipulate reporting earnings in an effort to enhance his or her compensation.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">In making
decisions about executive compensation, in addition to the above, we also consider the impact of other regulatory provisions,
including: the provisions of the Internal Revenue Code of 1986, as amended (the &ldquo;Code&rdquo;), such as Code Section 162(m)
that may limit the tax deductibility of certain compensation; Code Section 409A regarding nonqualified deferred compensation;
and Code Section 280G regarding excise taxes and deduction limitations on golden parachute payments made in connection with a
change in control. In making decisions about executive compensation, we also consider how various elements of compensation will
impact our financial results. For example, we consider the impact of FASB ASC Topic 718, which requires us to recognize the compensation
cost of grants of equity awards based upon the grant date fair value of those awards.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Code Section
162(m) generally prohibits a federal income tax deduction to public companies for compensation over $1,000,000 paid to a &ldquo;covered
employee.&rdquo; A &ldquo;covered employee&rdquo; includes (a) the chief executive officer, (b) the chief financial officer, (c)
the three other most highly compensated executive officers, and (d) any individual who was a covered employee for any taxable
year beginning after December 31, 2016. Before 2018, we were permitted to receive a federal income tax deduction for qualifying
&ldquo;performance-based&rdquo; compensation as defined under Code Section 162(m) without regard to this $1,000,000 limitation.
However, recent U.S. tax legislation eliminated the performance-based exception. These new rules became effective starting in
2018 for us. Accordingly, commencing with our fiscal year ending December 31, 2018, compensation to our named executive officers
in excess of $1,000,000 will not be deductible unless it is paid pursuant to a written binding contract that was in effect on
November 2, 2017, and not modified in any material respect on or after such date. Performance-based compensation awarded to our
named executive officers for periods prior to November 2, 2017 are expected to continue to qualify for the performance-based compensation
exemption under Section 162(m). The United States Treasury has not yet issued any guidance on any limitations on the continued
deductibility of these awards. Accordingly, the future deductibility of these grandfathered awards is uncertain and cannot be
guaranteed.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">21</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The compensation
committee has not adopted a formal policy regarding tax deductibility of compensation paid to our executive officers, and may
determine it is appropriate to provide compensation that may exceed deductibility limits in order to recognize performance, meet
market demands, retain key executives, and take into account other appropriate considerations.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Compensation
Committee Review</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The compensation
committee consisting of Ms. Ellefson and Messrs. Cubbage, Hooper, Johnstone, Maner and Orders has reviewed and discussed the Compensation
of Directors and Executive Officers contained in this Proxy Statement with management. Based upon such review, the related discussions
and such other matters deemed relevant and appropriate to the Compensation Committee, the Compensation Committee has recommended
to our board of directors that the Compensation of Directors and Executive officers be included in this Proxy Statement and incorporated
by reference into our 2021 Form 10-K.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The information
contained in this review shall not be subject to the liabilities of Section 18 of the Exchange Act, and shall not be deemed to
be incorporated by reference in future filings with the SEC except to the extent that we specifically incorporate it by reference
into a document filed under the Securities Act or the Exchange Act.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Summary
of Cash and Certain Other Compensation</B></FONT></P>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The following
table shows the compensation we paid to our named executive officers for the years ended December 31, 2021, 2020 and 2019.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Summary Compensation Table</B></FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: left; padding-top: 10pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Name
    and Principal Position <BR>
    as of December 31, 2021</B></FONT></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; padding-top: 10pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; padding-top: 10pt; vertical-align: bottom"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Year</B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; padding-top: 10pt; vertical-align: bottom"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Salary</B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; vertical-align: bottom"><P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in; margin-bottom: 0"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Bonus<BR>
                                                                                                                                   <SUP>(1)</SUP></B></FONT></P>

</TD><TD STYLE="border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; padding-top: 10pt; vertical-align: bottom"><P STYLE="margin-right: 0; margin-left: 0; text-align: right; text-indent: 0in"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Stock<br>
                                                                                                                                                      Awards<BR>
                                                                                                                                                      <SUP>(2)(3)</SUP></B></FONT></P>

</TD><TD STYLE="border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; padding-top: 10pt; vertical-align: bottom"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Option<br>
    Awards <br> <SUP>(2)(4)</SUP></B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; padding-top: 10pt; vertical-align: bottom"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Non-Equity
    <BR> Incentive Plan <BR> Compensation</B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; padding-top: 10pt; vertical-align: bottom"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Change
    in<BR> Pension<BR> Value and<BR> Nonqualified<BR> Deferred<BR> Compensation<BR> Earnings</B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; padding-top: 10pt; vertical-align: bottom"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>All
    Other <br> Compensation<br> <SUP>(5)</SUP></B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; padding-top: 10pt; vertical-align: bottom; text-align: right"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; padding-top: 10pt; vertical-align: bottom"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Total</B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 10pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="width: 28%; font-weight: bold; text-align: left; text-indent: 0in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">R.
    Arthur Seaver, Jr.</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 4%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">2021</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 4%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">495,000</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 4%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">170,000</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 4%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">78,900</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 4%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">239,335</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 4%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 4%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">240,559</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 4%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">55,685</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 4%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,279,479</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-style: italic; text-align: left; text-indent: 9.1pt; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">Chief
    Executive Officer</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2020</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">495,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">155,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">106,800</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">105,224</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">341,801</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">49,107</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,252,932</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; padding-left: 9.1pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">2019</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">485,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">160,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">64,640</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">94,080</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">98,264</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">46,564</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">948,548</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: 0.1pt; padding-left: 0.1pt; padding-top: 2pt; padding-bottom: 2pt">Michael
    D. Dowling</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2021</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">340,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">155,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">59,175</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">159,557</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">91,748</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">48,353</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">853,833</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-style: italic; text-align: left; text-indent: 0.1pt; padding-left: 9.1pt; padding-top: 2pt; padding-bottom: 2pt">Chief
    Operating Officer</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2020</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">340,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">145,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">85,440</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">148,440</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">115,585</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">45,152</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">879,617</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-style: italic; text-align: left; border-bottom: Black 1px solid; text-indent: 0.1pt; padding-left: 9.1pt; padding-top: 2pt; padding-bottom: 2pt">and
    Chief Financial Officer</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">2019</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">287,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">135,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">64,640</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">94,080</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">35,537</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">46,348</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">662,605</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-top: 2pt; padding-bottom: 2pt"><B><I>Calvin C. Hurst<SUP>(6)</SUP></I></B></TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2021</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">223,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">140,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">39,450</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">127,645</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">20,809</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">42,822</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">594,226</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-style: italic; text-align: left; border-bottom: Black 1px solid; text-indent: 0.1pt; padding-left: 9.1pt; padding-top: 2pt; padding-bottom: 2pt">Chief
    Banking Officer</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">2020</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">223,500</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">110,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">108,230</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">18,037</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">42,965</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">502,732</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt"><B>William M. Aiken,
    III<SUP>(7)</SUP></B></TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2021</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">220,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">85,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">39,889</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">17,650</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">362,539</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-style: italic; text-align: left; border-bottom: Black 1px solid; text-indent: 0.1pt; padding-left: 9.1pt; padding-top: 2pt; padding-bottom: 2pt">Chief
    Risk Officer</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt"><B>Silvia T. King<SUP>(8)</SUP></B></TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2021</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">175,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">52,250</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">31,911</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">18,139</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">25,860</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">303,160</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-style: italic; text-align: left; text-indent: 0.1pt; padding-left: 9.1pt; padding-top: 2pt; padding-bottom: 2pt">Chief
    Human Resource</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2020</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">175,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">50,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">19,730</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">17,825</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">33,881</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">296,436</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-style: italic; border-bottom: Black 2px solid; text-indent: 0.1pt; padding-left: 9.1pt; padding-top: 2pt; padding-bottom: 2pt">Officer</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; text-indent: 0in; padding: 10pt 8pt 4pt 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(1)</FONT></td>
    <TD STYLE="width: 99%; text-indent: 0in; text-align: justify; padding-top: 10pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">These
    amounts reflect an annual discretionary bonus award determined by the compensation committee and paid in the subsequent fiscal
    year.&nbsp;&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; padding-left: 3pt; padding-right: 8pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2)</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
    value for each of these awards is its grant date fair value calculated by multiplying the number of shares subject to the
    award by the market price per share on the date such award was granted, computed in accordance with Financial Accounting Standards
    Board Accounting Standards Codification Topic 718 and is the closing price as reported on NASDAQ as of each valuation date.
    See the discussion of assumptions used in the valuation of stock and option awards in Note 21, &ldquo;Stock-Based Compensation&rdquo;
    in the Company&rsquo;s Annual Report on Form 10-K for the year ended December 31, 2021. </FONT></td></tr>
</table>

<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">22</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding-right: 8pt; padding-left: 3pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(3)</FONT></td>
    <TD STYLE="width: 99%; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">On
    January 19, 2021, Mr. Seaver received an award of 2,000 shares of restricted stock, Mr. Dowling received an award of 1,500
    shares of restricted stock and Mr. Hurst received an award of 1,000 shares of restricted stock under the Company&rsquo;s 2016
    Equity Incentive Plan. On January 21, 2020, Mr. Seaver received an award of 2,500 shares of restricted stock and Mr. Dowling
    received an award of 2,000 shares of restricted stock under the Company&rsquo;s 2016 Equity Incentive Plan. On January 15,
    2019, Messrs. Seaver and Dowling each received an award of 2,000 shares of restricted stock under the Company&rsquo;s 2016
    Equity Incentive Plan. The restricted stock vests ratably over four years.&nbsp;&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 3pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(4)</FONT></td>
    <TD STYLE="text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">On
    January 19, 2021, Mr. Seaver received a grant of stock options to purchase 15,000 shares of the Company&rsquo;s common stock,
    Mr. Dowling received a grant of stock options to purchase 10,000 shares, Mr. Hurst received a grant of stock options to purchase
    8,000 shares, Mr. Aiken received a grant of stock options to purchase 2,500 shares, and Ms. King received a grant of stock
    options to purchase 2,000 shares, which each had a per share fair value of $15.96. On January 21, 2020, Mr. Seaver received
    a grant of stock options to purchase 8,000 shares of the Company&rsquo;s common stock, Mr. Dowling received a grant of stock
    options to purchase 6,000 shares, Mr. Hurst received a grant of stock options to purchase 4,000 shares, and Ms. King received
    a grant of stock options to purchase 1,500 shares, which each had a per share fair value of $13.15. On May 19, 2020, Mr. Dowling
    received a grant of stock options to purchase 10,000 shares of the Company&rsquo;s common stock and Mr. Hurst received a grant
    of stock options to purchase 8,000 shares, which each had a per share fair value of $6.95. &nbsp;On January 15, 2019, Messrs.
    Seaver, Dowling and Strickland each received a grant of stock options to purchase 8,000 shares of the Company&rsquo;s common
    stock which had a per share fair value of $11.76. The stock options vest ratably over four years.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 3pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(5)</FONT></td>
    <TD STYLE="text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">All
    other compensation includes the following items: (a) Company contributions under the 401(k) Plan, (b) car allowance or value
    attributable to personal use of Company provided automobiles, (c) club dues, (d) premiums for the portion of the death benefits
    shared by the Company with the named executive officers pursuant to bank owned life insurance and (e) premiums for life, accident
    and long-term disability insurance policies. The amount attributable to each such perquisite or benefit for each named executive
    officer does not exceed the greater of $25,000 or ten percent of the total amount of perquisites received by such named executive
    officer.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 3pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(6)</FONT></td>
    <TD STYLE="text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mr.
    Hurst joined the Company in 2019 but was not a named executive officer prior to 2020.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 3pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(7)</FONT></td>
    <TD STYLE="text-align: justify; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Mr.
    Aiken joined the Company in 2020 but was not a named executive officer prior to 2021.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(8)</FONT></td>
    <TD STYLE="text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Ms.
    King joined the Company in 2018 but was not a named executive officer prior to 2020.</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Grants
of Plan-Based Awards</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The following
table provides a summary regarding plan-based equity and non-equity incentive awards granted to the named executive officers in
2021. Discretionary cash bonus awards made in January 2022 for the year ended December 31, 2021, as shown in the Summary Compensation
Table, are as follows: R. Arthur Seaver, Jr. - $170,000, Michael D. Dowling - $155,000, Calvin C. Hurst - $140,000, William M.
Aiken - $85,000 and Silvia T. King - $52,250.</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: right; padding-left: 3pt; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: Black 1px solid; padding-left: 3pt"><B>Name</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;</B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right; vertical-align: bottom"><B>Grant <BR>
    Date</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right; vertical-align: bottom"><B>Estimated <BR>
    Future Payouts <BR>
    Under Non-<BR>
    Equity Incentive <BR>
    Plan Awards($)</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right; vertical-align: bottom"><B>Estimated <BR>
    Future Payouts <BR>
    Under Equity <BR>
    Incentive Plan <BR>
    Awards($)</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right; vertical-align: bottom"><B>All Other Stock <BR>
    Awards: <BR>
    Number of <BR>
    Shares of Stock <BR>
    or Units</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right; vertical-align: bottom"><B>All Other Option <BR>
    Awards: Number of <BR>
    Securities <BR>
    Underlying <BR>
    Options<SUP>(1)</SUP></B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right; vertical-align: bottom"><P STYLE="margin: 0; text-align: right; text-indent: 2.5pt"><B>Exercise
                                         or <BR>
                                         Base Price of <BR>
                                         Option<BR>
 Awards<BR>
                                         ($/Sh)<SUP>(2)</SUP></B></P>

</TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; vertical-align: bottom; text-align: right"><B>&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right; vertical-align: bottom"><B>Grant Date <BR>
    Fair Value of <BR>
    Stock and <BR>
    Option <BR>
    Awards ($)<SUP>(3)</SUP></B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0.2in; padding-left: 2pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="width: 11%; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">R.&nbsp;Arthur&nbsp;Seaver,&nbsp;Jr.</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right; text-indent: 0in; padding-left: 2pt; padding-top: 2pt; padding-bottom: 2pt">1/19/2021</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 9%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 9%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 9%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 9%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">15,000</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</TD><TD STYLE="width: 8%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</TD><TD STYLE="width: 8%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">318,235</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Michael D. Dowling</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; padding-left: 2pt; padding-top: 2pt; padding-bottom: 2pt">1/19/2021</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">218,732</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Calvin C. Hurst</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; padding-left: 2pt; padding-top: 2pt; padding-bottom: 2pt">1/19/2021</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">8,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">167,095</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">William&nbsp;M.&nbsp;Aiken,&nbsp;III</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0in; padding-left: 2pt; padding-top: 2pt; padding-bottom: 2pt">1/19/2021</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">39,889</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; border-bottom: Black 2px solid; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Silvia T. King</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 2px solid; text-indent: 0in; padding-left: 2pt; padding-top: 2pt; padding-bottom: 2pt">1/19/2021</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">31,911</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; text-indent: 0in; padding: 10pt 8pt 4pt 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(1)</FONT></td>
    <TD STYLE="width: 99%; text-indent: 0in; text-align: justify; padding-top: 10pt; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The
    criteria used to determine all stock option awards is subjective rather than objective in nature. The options vest ratably
    over four years. </FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; padding-bottom: 4pt; padding-right: 8pt; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(2)</FONT></td>
    <TD STYLE="text-indent: 0in; padding-bottom: 4pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">The exercise or base price of option
    awards is established as the closing market price of our Common Stock on the grant date.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; padding-right: 8pt; padding-left: 3pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">(3)</FONT></td>
    <TD STYLE="text-indent: 0in; text-align: justify"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">This amount represents
    the fair market value of all restricted stock and option awards made during the fiscal year 2021. The fair market value for
    stock awards is based on the closing market price of the stock on the date of grant which was $39.45 per share. The fair value
    of options is estimated at the date of grant using the Black-Scholes option pricing model. The fair value for the options
    issued on January&nbsp;19, 2021 was $15.96 per share. The following assumptions were used in valuing options issued:</FONT></td></tr>
</table>

<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">23</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; width: 84%; border-top: Black 2px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; width: 1%; border-top: Black 2px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; width: 15%; border-top: Black 2px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Assumptions</B></FONT></td></tr>
<TR>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; border-bottom: Black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>January&nbsp;19,&nbsp;2021</B></FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding: 2pt 5.4pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Dividend
    yield</FONT></td>
    <TD STYLE="padding: 2pt 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">-</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 2pt 5.4pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Expected
    life</FONT></td>
    <TD STYLE="padding: 2pt 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">7
    years</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding: 2pt 5.4pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Expected
    volatility</FONT></td>
    <TD STYLE="padding: 2pt 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="padding: 2pt 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">38.48%</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 2px solid; padding: 2pt 5.4pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Risk-free
    interest rate</FONT></td>
    <TD STYLE="border-bottom: Black 2px solid; padding: 2pt 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="border-bottom: Black 2px solid; padding: 2pt 5.4pt; text-indent: 0in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">0.71%</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Outstanding Equity Awards at
Fiscal Year End</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The following
table shows the number of shares covered by both exercisable and non-exercisable options and stock awards owned by our named executive
officers as of December 31, 2021, as well as the related exercise prices and expiration dates for the option awards. Option awards
have been granted pursuant to the 2010 Stock Incentive Plan, the 2016 Equity Incentive Plan and the 2020 Equity Incentive Plan.
All stock option information has been adjusted to reflect all prior stock splits and dividends.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-weight: bold; text-align: center; border-top: Black 2px solid; padding-left: 3pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="10" NOWRAP STYLE="font-weight: bold; text-align: right; border-top: Black 2px solid; border-bottom: Black 1px solid">Option Awards</TD><TD NOWRAP STYLE="border-top: Black 2px solid; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="8" NOWRAP STYLE="font-weight: bold; text-align: right; border-top: Black 2px solid; border-bottom: Black 1px solid">Stock Awards</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-weight: bold; text-align: left; padding-left: 3pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Number of Securities<BR>
Underlying Unexercised<BR>
Options(#)</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right">Option<BR>
Exercise</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD>
    <TD NOWRAP STYLE="font-weight: bold; text-align: right">Option<BR>
Expiration</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right">Number of<BR>
Shares or<BR>
Units of<BR>
Stock that<BR>
Have Not</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right">Market<BR>
Value of<BR>
Shares or<BR>
Units of<BR>
Stock that<BR>
Have Not</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-weight: bold; text-align: left; border-bottom: Black 1px solid; padding-left: 3pt">Name</TD><TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Exercisable</TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Unexercisable<SUP>(1)</SUP></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Price($)</TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Date</TD><TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Vested(#)</TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Vested(#)</TD><TD NOWRAP STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="width: 40%; font-weight: bold; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">R. Arthur Seaver, Jr.</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,000</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">13.43</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/21/2024</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">5,500</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">343,695</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">16.78</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/20/2025</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">23.00</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/19/2026</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">35.65</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/17/2027</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">6,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">42.80</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/16/2028</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">4,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">4,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">32.32</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/15/2029</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">6,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">42.72</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/21/2030</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">15,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">01/19/2031</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-bottom: 2pt; text-align: left; padding-top: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Michael D. Dowling</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">16.78</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/20/2025</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">4,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">281,205</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">23.00</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/19/2026</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">35.65</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/17/2027</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">6,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">42.80</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/16/2028</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">4,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">4,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">32.32</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/15/2029</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">4,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">42.72</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/21/2030</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">7,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">25.10</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">05/19/2030</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">01/19/2031</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-bottom: 2pt; text-align: left; padding-top: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Calvin C. Hurst</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">35.35</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">04/16/2029</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">124,980</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">3,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">42.72</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/21/2030</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">6,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">25.10</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">05/19/2030</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">8,000</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">01/19/2031</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-bottom: 2pt; text-align: left; padding-top: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">William M. Aiken, III</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">750</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,250</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">25.49</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">08/18/2030</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">750</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">46,868</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 1px solid; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,500</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">01/19/2031</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-bottom: 2pt; text-align: left; padding-top: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Silvia T. King</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">45.50</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">03/20/2028</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,250</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,250</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">32.32</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/15/2029</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">375</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,125</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">42.72</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">01/21/2030</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="border-bottom: Black 2px solid; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">2,000</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">39.45</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">01/19/2031</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-bottom: 2pt; text-align: left; padding-top: 2pt">&nbsp;</TD></TR>
</TABLE>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; padding-right: 0.5pt; padding-left: 0.5pt; font: 8pt Arial, Helvetica, Sans-Serif; text-indent: 0in; padding-top: 6pt">(1)</TD>
    <TD STYLE="width: 96%; padding-right: 0.5pt; padding-left: 0.5pt; font: 8pt Arial, Helvetica, Sans-Serif; text-indent: 0in; text-align: justify; padding-top: 6pt">All
    of the unvested options have an expiration date of ten years following the date of grant and vest in four equal increments
    on the first four anniversaries of the applicable date of grant.</TD></TR>
</TABLE>

<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">24</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Option Exercises
and Stock Vested</B></FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-left: 3pt; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="font-weight: bold; border-top: Black 2px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: right; padding-bottom: 1px; padding-left: 3pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Option Awards</TD><TD STYLE="padding-bottom: 1px; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Stock Awards</TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-bottom: Black 1px solid; padding-left: 3pt"><B>Name</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right"><B>Number of <BR> Shares <BR> Acquired on <BR> Exercise
    (#)</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right"><B>Value Realized <BR> on Exercise ($)<SUP>(1)</SUP></B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right"><B>Number of <BR> Shares <BR> Acquired on <BR> Vesting
    (#)</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;</B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1px solid; text-align: right"><B>Value Realized <BR> on Vesting <BR>
    ($)<SUP>(2)</SUP></B></TD><TD NOWRAP STYLE="border-bottom: Black 1px solid"><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="width: 40%; font-weight: normal; font-style: normal; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">R. Arthur Seaver, Jr.</TD><TD STYLE="width: 3%; font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 10%; font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">23,100</TD><TD STYLE="width: 1%; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 3%; font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 10%; font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,055,053</TD><TD STYLE="width: 1%; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 3%; font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 10%; font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,750</TD><TD STYLE="width: 1%; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 3%; font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 10%; font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">68,258</TD><TD STYLE="width: 1%; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Michael D. Dowling</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,500</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">58,485</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Calvin C. Hurst</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">500</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">25,030</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">William M. Aiken, III</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">250</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">12,320</TD><TD STYLE="font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: normal; font-style: normal; text-align: left; border-bottom: Black 2px solid; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Silvia T. King</TD><TD STYLE="font-weight: normal; font-style: normal; border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="font-weight: normal; font-style: normal; border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; font-weight: normal; font-style: normal; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 1%; text-indent: 0in; font-weight: bold; vertical-align: top; text-align: left; padding-top: 10pt; padding-right: 8pt"><FONT STYLE="font: normal 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></td>
    <TD STYLE="width: 99%; text-indent: 0in; font-weight: bold; text-align: justify; padding-top: 10pt"><FONT STYLE="font: normal 8pt Arial, Helvetica, Sans-Serif">Value
    realized is based on the difference between our common stock closing price on the date of exercise and the option exercise
    price.</FONT></td></tr>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: 0in; font-weight: bold; vertical-align: top; text-align: left; padding-right: 8pt"><FONT STYLE="font: normal 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></td>
    <TD STYLE="text-indent: 0in; font-weight: bold; text-align: justify"><FONT STYLE="font: normal 8pt Arial, Helvetica, Sans-Serif">Value
    realized is based on the market value of the underlying shares on the vesting date.</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Equity Compensation
Plan Information</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The following
table contains certain information as of December 31, 2021, relating to securities authorized for issuance under our equity compensation
plans. All stock option information has been adjusted to reflect prior stock splits and dividends.</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-weight: bold; text-align: left; border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">Plan Category</TD><TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">Number of <BR>
securities<BR> to be issued upon <BR>
exercise <BR> of outstanding <BR>
options,<BR> warrants and <BR>
rights(a)</TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; font-weight: bold; border-top: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">Weighted-<BR>
average <BR> exercise price of <BR> outstanding<BR>
options,<BR> warrants and <BR>
rights (b)</TD><TD NOWRAP STYLE="border-bottom: Black 1px solid; font-weight: bold; border-top: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid; border-top: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">Number of securities<BR> remaining available for<BR> future issuance under<BR> equity compensation<BR>
 plans (c) <BR> (excluding securities<BR> reflected in column(a))</TD><TD NOWRAP STYLE="padding-bottom: 2pt; font-weight: bold; border-top: Black 2px solid; padding-top: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="width: 59%; text-align: left; text-indent: 0in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">Equity compensation plans approved by security holders</TD><TD STYLE="width: 1%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 10%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">464,724</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 1%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$</TD><TD STYLE="width: 5%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">33.97</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 1%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 13%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">422,550</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; border-bottom: Black 1px solid; text-indent: 0in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">Equity compensation plans not approved by security holders</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">None</FONT></TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">n/a</FONT></TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">n/a</FONT></TD><TD STYLE="padding-bottom: 2pt; text-align: left; padding-top: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="border-bottom: Black 1px solid; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Total</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">464,724</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">33.97</TD><TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 1px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">422,550</TD><TD STYLE="padding-bottom: 2pt; text-align: left; padding-top: 2pt">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Compensation
Arrangements</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Employment
Agreements</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The Company
and the Bank are parties to an amended and restated employment agreement with R. Arthur Seaver, Jr., pursuant to which he serves
as the Chief Executive Officer of both our Company and the Bank.&nbsp;The agreement renews annually on January 31<SUP>st</SUP>
for an additional year, so that the then-remaining term of the agreement is three years.&nbsp;As of March 15, 2022, Mr. Seaver
receives a minimum annual salary of $510,000, which may be increased annually by the board of directors. He is also eligible to
participate in any of our pension, profit sharing, bonus, life insurance, hospitalization, major medical, and other employee benefit
plans and programs and receives an automobile owned by the bank.</FONT></P>



<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">25</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Mr. Seaver&rsquo;s
employment agreement also provides that during the term of employment and for a period of 12 months following termination, Mr.
Seaver may not (a) compete with us by, directly or indirectly, forming, serving as an organizer, director or officer of, employee
or agent, or consultant to, or acquiring or maintaining more than a 1% passive investment in, a depository financial institution
or holding company thereof if such depository institution or holding company has one or more offices or branches within 30 miles
of our main office or any other offices, (b) solicit our clients with which he had contact in connection with products and services
provided by us for the purpose of providing financial services, or (c) solicit our employees. If Mr. Seaver is terminated without
cause, as defined in the employment agreement, he will be entitled to severance compensation equal to his then current monthly
salary for a period of 12 months, plus accrued bonus. If, following a change in control of our Company, Mr. Seaver is terminated
without cause, or if he terminates his employment for good reason, as defined in the employment agreement, he will be entitled
to severance compensation of three times his then current monthly salary paid in equal monthly installments over a period of 12
months, plus accrued bonus and all outstanding options and incentives will vest immediately. If, following a change in control
of our Company, he is terminated without cause or he terminates his employment for good reason, he would receive continuation
of health insurance for an 18-month period during which he would be required to pay the portion of the full COBRA cost of the
coverage equal to an active employee&rsquo;s share of premiums for coverage for the respective plan year.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">As of December
31, 2021, the Company and the Bank were parties to (i) an amended and restated employment agreement with Michael D. Dowling to
serve as executive vice president and Chief Operating Officer/Chief Financial Officer of the Company and the Bank (ii) an employment
agreement with Calvin C. Hurst to serve as Chief Banking Officer of the Company and the Bank, and (iv) an employment agreement
with William M. Aiken, III to serve as Chief Risk Officer of the Company and the Bank. Each agreement renews annually on January
31<SUP>st</SUP> for an additional year, so that the then-remaining term of the agreement is two years. As of March 15, 2022, Messrs.
Dowling, Hurst, and Aiken are paid a salary of $354,000, $300,000, and $250,000, respectively, which may be increased annually
by the board of directors. They are also eligible to participate in any of our pension, profit sharing, bonus, life insurance,
hospitalization, major medical, and other employee benefit plans and programs. In addition, Mr. Dowling has received an automobile
owned by the bank and Mr. Hurst and Mr. Aiken receive a monthly automobile allowance.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If Mr.
Dowling, Mr. Hurst, or Mr. Aiken, as applicable, is terminated without cause, as defined in the employment agreement, he will
be entitled to severance compensation equal to his then current monthly salary for a period of 12 months, plus accrued bonus.
If, following a change in control of our Company, Mr. Dowling, Mr. Hurst, or Mr. Aiken is terminated without cause, or if he terminates
his employment for good reason, as defined in the employment agreement, he will be entitled to severance compensation of two times
his then current monthly salary paid in equal monthly installments over a period of 12 months, plus accrued bonus and all outstanding
options and incentives will vest immediately. If, following a change in control of our Company, either officer is terminated without
cause or he terminate his employment for good reason, he would receive continuation of health insurance for an 18-month period
during which he would be required to pay the portion of the full COBRA cost of the coverage equal to an active employee&rsquo;s
share of premiums for coverage for the respective plan year<B>. </B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Each employment
agreement provides that during the term of employment and for a period of 12 months following termination, Messrs. Dowling, Hurst,
and Aiken may not (a) compete with us by, directly or indirectly, forming, serving as an organizer, director or officer of, employee
or agent, or consultant to, or acquiring or maintaining more than a 1% passive investment in, a depository financial institution
or holding company thereof if such depository institution or holding company has one or more offices or branches within 30 miles
of our main office or any other offices, (b) solicit our clients with which they had contact in connection with products and services
provided by us for the purpose of providing financial services, or (c) solicit our employees.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Salary
Continuation Agreements</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The Bank
is a party to salary continuation agreements with Messrs. Seaver, Dowling, and Hurst and Ms. King as of December 31, 2021. Unless
a separation from service or a change in control (as defined in the salary continuation agreements) occurs before the retirement
age set forth in each agreement, the salary continuation agreements provide for an annual supplemental retirement benefit to be
paid to each of the executives in 12 equal monthly installments payable on the first day of each month, beginning with the month
immediately after the month in which the executive attains the normal retirement age and for the executive&rsquo;s lifetime with
a 15-year term certain period. Under the terms of the agreements, Mr. Seaver will receive an annual supplemental retirement benefit
of $250,000, Mr. Dowling will receive $150,000, Mr. Hurst will receive $75,000 and Ms. King will receive $50,000. Mr. Aiken does
not have a salary continuation agreement with the Company as of December 31, 2021.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">26</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Pension
Benefits</B></FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-left: 3pt; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD STYLE="text-align: left; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; border-bottom: Black 1px solid; padding-left: 3pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Name<SUP>(1)</SUP></B></FONT></TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Plan Name</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Number<BR>
Of Years<BR>
Credited<BR>
Service</TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Present<BR>
    Value of<BR>
    Accumulated<BR>
    Benefit<SUP>(2)</SUP></B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid">Payments<BR>
During<BR>
Last Fiscal<BR>
Year</TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="width: 28%; text-align: justify; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">R. Arthur Seaver, Jr.</TD><TD STYLE="width: 1%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 38%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">Southern First Bank, Salary Continuation Agreement</TD><TD STYLE="width: 1%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 8%; text-align: center; padding-top: 2pt; padding-bottom: 2pt">15</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 1%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 8%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,797,628</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 1%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">$</TD><TD STYLE="width: 8%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&mdash;</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Michael D. Dowling</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">Southern First Bank, Salary Continuation Agreement</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: center; padding-top: 2pt; padding-bottom: 2pt">8</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">443,926</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&mdash;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: justify; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Calvin C. Hurst</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">Southern First Bank, Salary Continuation Agreement</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: center; padding-top: 2pt; padding-bottom: 2pt">2</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">46,661</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&mdash;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; border-bottom: Black 2px solid; padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt">Silvia T. King</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">Southern First Bank, Salary Continuation Agreement</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: center; padding-top: 2pt; padding-bottom: 2pt">3</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">51,767</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&mdash;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; text-indent: 0in; font-weight: bold; padding-top: 10pt; padding-right: 8pt"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">(1)</FONT></td>
    <TD STYLE="width: 99%; text-indent: 0in; font-weight: bold; text-align: justify; padding-top: 10pt"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">William
    M. Aiken, III does not have a Salary Continuation Agreement with the Company as of December 31, 2021.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in; font-weight: bold; padding-right: 8pt"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">(2)</FONT></td>
    <TD STYLE="text-indent: 0in; font-weight: bold; text-align: justify"><FONT STYLE="font-weight: normal; font-style: normal; font-variant: normal">SERP
    amounts represent the aggregate liability carried on the Company&rsquo;s books for each of the identified named executive
    officers as of December 31, 2021.</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Provided
such executive has been continuously employed by the Bank for five consecutive years from the effective date of the salary continuation
agreement, if an early termination occurs (defined as separation from service before normal retirement age for reasons other than
death, disability, termination for cause, or after a change in control), each of Messrs. Seaver and, Dowling early termination
benefit is calculated by taking the accrual balance (as defined in the salary continuation agreement) existing at the end of the
month immediately before the month in which separation from service occurs, compounding this accrual balance forward to the executive&rsquo;s
normal retirement age taking into account interest at the discount rate or rates established by the plan administrator, and amortizing
this resulting amount for the executive&rsquo;s lifetime with a 15-year term certain period, beginning with the executive&rsquo;s
normal retirement age. The early termination benefit for Mr. Hurst and Ms. King is calculated by taking the accrual balance (as
defined in the salary continuation agreement) existing at the end of the month immediately before the month in which separation
from service occurs. We will pay this annual early termination benefit as calculated to the executive in 12 equal monthly installments
payable on the first day of each month, beginning with the later of (x) the seventh month after the executive&rsquo;s separation
from service, or (y) the month immediately after the month in which the executive attains the normal retirement age and for the
executive&rsquo;s lifetime with a 15-year term certain period. However, all of the executive&rsquo;s early termination benefits
will be forfeited if at any time from the date of the executive&rsquo;s early termination and for a period of one year thereafter,
the executive (without the prior written consent of the Bank) competes with the Bank, the Company, or any of its subsidiaries,
directly or indirectly, by engaging in forming, by serving as an organizer, director, officer of, employee or agent, or consultant
to, or by acquiring or maintaining more than a one percent passive investment in, a depository financial institution or holding
company thereof if such depository financial institution or holding company has or establishes one or more offices or branches
which are located within 30 miles of any office or branch of the Bank in existence at the date of the executive&rsquo;s early
termination. Although Mr. Strickland is no longer employed by us, he is still bound by these restrictive covenants from his salary
continuation agreement.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Upon Messrs.
Seaver and Dowling&rsquo;s separation from service because of disability (as defined in the salary continuation agreement) before
normal retirement age, the executive&rsquo;s disability benefit is calculated by taking the accrual balance existing at the end
of the month immediately before the month in which separation from service occurs, compounding this accrual balance forward to
the executive&rsquo;s normal retirement age taking into account interest at the discount rate or rates established by the plan
administrator, and amortizing this resulting amount over the executive&rsquo;s lifetime with a 15-year term certain period, beginning
with the executive&rsquo;s normal retirement age. The early termination benefit for Mr. Hurst and Ms. King is calculated by taking
the accrual balance (as defined in the salary continuation agreement) existing at the end of the month immediately before the
month in which separation from service occurs. Beginning with the later of (x) the seventh month after the executive&rsquo;s separation
from service, or (y) the month immediately after the month in which the executive attains the normal retirement age, the Bank
will pay the disability benefit to the executive in 12 equal monthly installments on the first day of each month and for the executive&rsquo;s
lifetime with a 15-year term certain period.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If Messrs.
Seaver, Dowling or Hurst or Ms. King die in active service to the Company before normal retirement age, the executive&rsquo;s
beneficiary will be entitled to an amount equal to the executive&rsquo;s accrual balance at the time of the executive&rsquo;s
death, payable within 60 days of the executive&rsquo;s death.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">27</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If Messrs.
Seaver, Dowling or Hurst or Ms. King die before any separation from service and the executive is receiving the executive&rsquo;s
normal retirement benefit, but the executive has not received the executive&rsquo;s normal retirement benefit for the full 15-year
term certain period, the executive&rsquo;s beneficiary will be entitled to, at the Company&rsquo;s sole discretion upon the executive&rsquo;s
death, either: (i) the present value, calculated at the discount rate or rates established by the plan administrator, at the executive&rsquo;s
death of the executive&rsquo;s remaining salary continuation benefits, paid to the executive&rsquo;s beneficiary in a lump-sum
within 60 days of the executive&rsquo;s death; or (ii) the executive&rsquo;s remaining salary continuation benefits, paid to the
executive&rsquo;s beneficiary in 12 equal monthly installments payable on the first day of each month for the 15-year term certain
period.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If Messrs.
Seaver, Dowling or Hurst or Ms. King die after separation from service and the executive is entitled to the early termination
benefit or the disability benefit, but has not started receiving such benefits because the executive has not reached the normal
retirement age, the executive&rsquo;s beneficiary will be entitled to a lump-sum benefit equaling the present value, calculated
at the discount rate or rates established by the plan administrator, at the executive&rsquo;s death of the accrual balance which
existed at the end of the month immediately before the month in which separation from service occurred, after compounding this
accrual balance forward to the executive&rsquo;s normal retirement age taking into account interest at the discount rate or rates
established by the plan administrator. Assuming the two discount rates referred to in the previous sentence are the same, the
resulting lump-sum benefit would be the executive&rsquo;s accrual balance which existed at the end of the month immediately before
the month in which separation from service occurred. We will pay this lump-sum benefit to the executive&rsquo;s beneficiary within
60 days of the executive&rsquo;s death.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If the
executive dies after separation from service and the executive is receiving the normal retirement benefit, the early termination
benefit, or the disability benefit, the executive&rsquo;s beneficiary will be entitled to, at the Bank&rsquo;s sole discretion
upon the executive&rsquo;s death, either: (i) the present value, calculated at the discount rate or rates established by the plan
administrator, at the executive&rsquo;s death of the executive&rsquo;s remaining salary continuation benefits as determined under
the applicable section of the salary continuation agreement, paid to the executive&rsquo;s beneficiary in a lump-sum within 60
days of the executive&rsquo;s death; or (ii) the executive&rsquo;s remaining salary continuation benefits as determined under
the applicable section of the salary continuation agreement, in the amounts specified in the applicable section, paid to the executive&rsquo;s
beneficiary at the times specified in the applicable section.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We will
not pay any benefits under the salary continuation agreements and the agreements will terminate if separation from service is
the result of termination for cause (as defined in the executive&rsquo;s employment agreement or if the executive is not a party
to an employment agreement containing a definition of termination for cause, as defined in the salary continuation agreement).</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">To offset
the annual expense accruals for the benefits payable to the executives under the salary continuation agreements, we acquired bank-owned
life insurance (&ldquo;BOLI&rdquo;). It is anticipated that the BOLI will provide full cost recovery of the benefits paid to the
executives under the salary continuation agreements upon their deaths.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Potential Payments Upon Termination
or Change in Control</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The table
below reflects the amount of compensation payable to each of Messrs. Seaver, Dowling and Hurst in the event of termination of
such executive&rsquo;s employment by the Company in the case of termination without cause and, in the case of good reason termination
following a change in control, by such named executive officer. The amounts shown assume that the termination occurred on December&nbsp;31,
2021, which was the last trading day of the calendar year ended December 31, 2021, and at a price per share of the Company&rsquo;s
common stock equal to the closing market price as of that date. These amounts are estimates of the amounts which would have been
paid out to the executive officer upon termination as of that date under the specified circumstances. The actual amounts to be
paid out can only be determined at the time of such executive officer&rsquo;s separation from the Company. Ms. King does not have
an employment agreement with the Company and as such is not entitled to compensation payable in the event of a change in control.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">28</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right; border-top: Black 2px solid; padding-left: 10pt; text-indent: -10pt">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right; border-top: Black 2px solid">&nbsp;</TD><TD STYLE="border-top: Black 2px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Name
    and Principal Position<SUP>(1)</SUP></B></FONT></TD><TD STYLE="font-weight: bold; border-bottom: Black 1px solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Salary<SUP>(2)</SUP></B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-weight: bold; border-bottom: Black 1px solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Bonus<SUP>(3)</SUP></B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-weight: bold; border-bottom: Black 1px solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Salary
    Continuation Plan<SUP>(4)</SUP></B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-weight: bold; border-bottom: Black 1px solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif"><B>Continuation
    of Medical Benefits<SUP>(5)</SUP></B></FONT></TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-weight: bold; border-bottom: Black 1px solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid"><FONT STYLE="font-size: 8pt">Acceleration
    and Continuation of Equity Awards</FONT></TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="font-weight: bold; border-bottom: Black 1px solid"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: right; border-bottom: Black 1px solid"><FONT STYLE="font-size: 8pt">Total
    Termination Benefits</FONT></TD><TD STYLE="border-bottom: Black 1px solid; font-weight: bold"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10pt; text-indent: -10pt; padding-top: 2pt; padding-bottom: 2pt">R. Arthur Seaver, Jr.</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-style: italic; text-align: left; padding-left: 10pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">CEO and Director of the Company and the Bank</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="width: 40%; text-align: left; padding-left: 20pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Termination without cause</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">$&nbsp;&nbsp;&nbsp;495,000</FONT></TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">170,000</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,797,628</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&ndash;</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">967,975</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 2%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="width: 6%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">3,430,603</TD><TD STYLE="width: 1%; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 20pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Good reason termination or termination without cause, each after change in control</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,485,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">170,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">3,069,430</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">7,400</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">967,975</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">5,699,805</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 10pt; text-indent: -10pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10pt; text-indent: -10pt; padding-top: 2pt; padding-bottom: 2pt">Michael D. Dowling</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-style: italic; text-align: left; padding-left: 10pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">COO/CFO and Executive Vice President of the Company and the Bank</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 20pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Termination without cause</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">340,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">155,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">443,926</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&ndash;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,041,018</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,979,944</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; padding-left: 20pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Good reason termination or termination without cause, each after change in control</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">680,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">155,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,824,856</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,900</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,041,018</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">3,711,774</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10pt; text-indent: -10pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10pt; text-indent: -10pt; padding-top: 2pt; padding-bottom: 2pt">Calvin C. Hurst</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-style: italic; text-align: left; padding-left: 10pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Chief Banking Officer of the Company and the Bank</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; padding-left: 20pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Termination without cause</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">223,500</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">140,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">46,661</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&ndash;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">647,230</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,057,391</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 20pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Good reason termination or termination without cause, each after change in control</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">447,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">140,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">75,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">10,900</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">647,230</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">1,320,130</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="padding-left: 10pt; text-indent: -10pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10pt; text-indent: -10pt; padding-top: 2pt; padding-bottom: 2pt">William M. Aiken, III</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-style: italic; text-align: left; padding-left: 10pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Chief Risk Officer of the Company and the Bank</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 20pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Termination without cause</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">220,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">85,000</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&ndash;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">&ndash;</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">187,718</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">492,718</TD><TD STYLE="text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; border-bottom: Black 2px solid; padding-left: 20pt; text-indent: 0; padding-top: 2pt; padding-bottom: 2pt">Good reason termination or termination without cause, each after change in control</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">440,000</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">85,000</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&ndash;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">&ndash;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">187,718</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">712,718</TD><TD STYLE="border-bottom: Black 2px solid; text-align: left; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding-top: 10pt; padding-right: 8pt; padding-bottom: 4pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></td>
    <TD STYLE="width: 99%; padding-right: 4.5pt; text-align: justify; padding-top: 10pt; padding-bottom: 4pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Silvia
    T. King does not have an employment agreement with the Company as of December 31, 2021.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-bottom: 4pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></td>
    <TD STYLE="padding-right: 4.5pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In
    the event of a termination without cause before a change in control, salary is paid in equal monthly installments for a period
    of 12 months following termination. In the event of termination without cause after a change in control or good reason termination
    after a change in control, salary is paid in equal monthly installments for a period of 12 months following termination as
    follows: Mr. Seaver will be paid a salary equal to three times his current salary and Messrs. Dowling, Hurst, and Aiken will
    be paid a salary equal to two times their respective current salary.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-bottom: 4pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></td>
    <TD STYLE="text-align: justify; padding-bottom: 4pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Includes
    all bonus amounts earned or accrued through the date of termination. </FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-bottom: 4pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(4)</FONT></td>
    <TD STYLE="padding-right: 4.5pt; text-align: justify; padding-bottom: 4pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">In
    the event of a termination without cause before a change in control, the amount represents the aggregate liability carried
    on the Company&rsquo;s books for Messrs. Seaver, Dowling and Hurst as of December 31, 2021. In the event of termination without
    cause after a change in control or a good reason termination after a change in control, for Messrs. Seaver and Dowling, the
    amount reflects the present value of the SERP amount as of their normal retirement age and for Mr. Hurst, the amount reflects
    the greater of $75,000 or aggregate liability at the time of the change in control.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(5)</FONT></td>
    <TD STYLE="padding-right: 4.5pt; text-align: justify"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">Reflects
    the estimate of all future premiums which will be paid for medical benefits using the premium rates in effect at December&nbsp;31,
    2021. Continuation of benefits is for an 18-month period during which the named executive officer would be required to pay
    the portion of the full COBRA cost of the coverage equal to an active employee&rsquo;s share of premiums for coverage for
    the respective plan year.</FONT></td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The following discussion relates
to certain named executive officers&rsquo; respective employment agreements. Ms. King does not have an employment agreement with
the Company.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&ldquo;Cause&rdquo;
generally will be deemed to exist where the named executive officer has been convicted of a crime involving moral turpitude, has
stolen from us, has violated his non-competition or confidentiality obligations, or, following a cure period, has been grossly
negligent in fulfillment of his responsibilities. &ldquo;Good reason&rdquo; generally will exist where an employee&rsquo;s position
or compensation has been decreased (other than as part of a company-wide compensation reduction) or where the employee has been
required to relocate. A more detailed description of &ldquo;cause,&rdquo; good reason&rdquo; and &ldquo;change in control&rdquo;
is set forth below.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">29</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If the
named executive officer&rsquo;s employment is terminated for cause or upon voluntary termination, the named executive officer
shall receive only any sums due as base salary and/or reimbursement of expenses through the date of such termination.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If the
named executive officer&rsquo;s employment is terminated upon the death of the named executive officer, the named executive officer&rsquo;s
estate shall receive any sums due as base salary and/or reimbursement of expenses through the end of the month during which death
occurred and any bonus earned or accrued through the date of death. Regardless of death, all prior calendar year earned bonuses
must be paid within two months after the end of the calendar year in which they arise.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If the
named executive officer becomes incapacitated and later terminated as a result of disability, the Company shall continue to pay
the executive his full base salary at the rate then in effect and all perquisites and other benefits (other than any bonus) until
the executive becomes eligible for benefits under any long-term disability plan or insurance program maintained by the Company,
provided that the amount of any such payments to the executive shall be reduced by the sum of the amounts, if any, payable to
the executive for the same period under any disability benefit or pension plan of the Company or any of its subsidiaries. Furthermore,
the executive shall receive any bonus earned or accrued under the Bonus Plan through the date of incapacity (including any amounts
awarded for previous years but which were not yet vested) and a pro rata share of any bonus with respect to the current fiscal
year which had been earned as of the date of the executive&rsquo;s incapacity.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Additional
payments that may be made to named executive officers under certain circumstances under their respective salary continuation agreement
are described in the narrative that follows the Pension Benefits table above.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">For purposes
of this discussion, the terms cause, good reason, and change in control, as defined in the named executive officers&rsquo; employment
agreements, are defined as follows:</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&ldquo;Change
in control&rdquo; generally means the occurrence of any of the following events, unless the event is a result of a non-control
acquisition:</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The
                                         members of our board of directors as of the date of the employment agreement, who are
                                         referred to as incumbent directors, together with additional directors whose election
                                         or nomination was approved by a majority of the incumbent directors and who did not assume
                                         office as a result of an actual or threatened solicitation of proxies or consents by
                                         a person other than the board of directors, which additional directors are also referred
                                         to as incumbent directors, cease for any reason to constitute at least fifty percent
                                         of the board of directors. </FONT></TD></TR>                                                                                     <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">A
                                         person, group or entity other than the Company, acquires our common stock, and immediately
                                         after which such person, group or entity has beneficial ownership of 20% or more of the
                                         combined voting power of our common stock. </FONT></TD></TR>                                                                                                     <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Approval
                                         by our shareholders of: (i)&nbsp;a merger, consolidation, or reorganization; (ii)&nbsp;a
                                         complete liquidation or dissolution; or (iii)&nbsp;an agreement for the sale or other
                                         disposition of all or substantially all of our assets. </FONT></TD></TR>                                                                                                                 <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Regulatory
                                         approval (or notice <I>of</I> no disapproval) is granted by the Federal Reserve, the
                                         OCC, the FDIC, or any other regulatory authority for permission to acquire control of
                                         the Company or any of our banking subsidiaries, provided that if the applicable transaction
                                         that has been approved by our board of directors then the change in control will not
                                         be deemed to occur until the closing of the transaction.</FONT></TD></TR></TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">A &ldquo;non-control acquisition&rdquo;
generally means a merger, consolidation or reorganization in which:</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">our
                                         shareholders immediately before the merger, consolidation or reorganization own, immediately
                                         after such transaction, at least 50% of the combined voting power of the voting securities
                                         of the surviving corporation resulting from such merger, consolidation or reorganization
                                         in substantially the same proportion as their ownership of our voting securities immediately
                                         before such merger, consolidation or reorganization; and </FONT></TD></TR>                                                                                                                   <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">immediately
                                         following the merger, consolidation or reorganization, the number of directors on the
                                         board of directors of the surviving corporation who were incumbent directors at least
                                         equal the number of directors who were affiliated with or appointed by the other party
                                         to the merger, consolidation or reorganization. </FONT></TD></TR></TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&ldquo;Good
reason&rdquo; generally means the occurrence after a change in control of any of the events or conditions described below:</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">an
                                         adverse change in an employee&rsquo;s status, title, position or responsibilities at
                                         any time within 90 days preceding the date of a change in control or at any time thereafter;</FONT></TD></TR></TABLE>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">30</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">a
                                         reduction to the employee&rsquo;s base salary or any failure to pay the employee any
                                         compensation or benefits to which the employee is entitled within five days of the due
                                         date; </FONT></TD></TR>                                                                <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">a
                                         relocation of an employee at any place outside a 30 mile radius from the employee&rsquo;s
                                         current work location immediately prior to the change in control except for reasonably
                                         required travel that is not greater than the travel requirements before the change in
                                         control; </FONT></TD></TR>                                                                   <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">the
                                         failure by us to (A)&nbsp;continue any material compensation or employee benefit plan
                                         in which the employee was participating at any time within 90 days preceding the date
                                         of a change in control or at any time thereafter, unless replaced with a plan providing
                                         substantially equivalent compensation or benefits, or (B)&nbsp;provide the employee with
                                         compensation and benefits, in the aggregate, at least equal to those provided for under
                                         each other employee benefit plan, program and practice in which the employee was participating
                                         at any time within 90 days preceding the date of a change in control or at any time thereafter;
                                         </FONT></TD></TR>                                                          <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">the
                                         insolvency or the filing of a petition for bankruptcy of the Company which petition is
                                         not dismissed within sixty days; </FONT></TD></TR>                                                                                           <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">any
                                         material breach by the Company of any material provision of the employment agreement;
                                         </FONT></TD></TR>                                                          <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">any
                                         purported termination of the employee&rsquo;s employment for cause by us which does not
                                         comply with the terms of the employment agreement; or </FONT></TD></TR>                                                                                                                <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">our
                                         failure to obtain an agreement, satisfactory to the employee, from any successor or assign
                                         to assume and agree to perform the employment agreement. </FONT></TD></TR>
</TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Any event
or condition described above which occurs prior to a change in control but which the employee reasonably demonstrates (A)&nbsp;was
at the request of a third party, or (B)&nbsp;otherwise arose in connection with a change in control which actually occurs, shall
constitute good reason for purposes of the employment agreement, notwithstanding that it occurred prior to the change in control.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&ldquo;Cause&rdquo;
generally means any of the following:</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">a
                                         willful act (including, without limitation, a dishonest or fraudulent act) or a grossly
                                         negligent act, or the willful or grossly negligent omission to act by the executive,
                                         which is intended to cause, causes or is reasonably likely to cause material harm to
                                         the Company (including harm to its business reputation); </FONT></TD></TR>                                                                                                                   <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">an
                                         indictment for the commission or perpetration by the executive of any felony or any crime
                                         involving dishonesty, moral turpitude or fraud; </FONT></TD></TR>                                                                                                          <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">a
                                         material breach by the executive of the employment agreement that remains uncured ten
                                         days following written notice; </FONT></TD></TR>                                                                                         <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">notice
                                         from a regulatory agency with jurisdiction over the Company of its intention to institute
                                         certain formal or informal regulatory action against the executive or the Company, provided
                                         that, if the applicable matters relating to the executive&rsquo;s performance are susceptible
                                         of cure, such matters remain uncured to the satisfaction of the regulatory agency 30
                                         days after receipt of the notice from the regulatory agency;</FONT></TD></TR>                                                                                                                      <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">disorderly
                                         conduct by the executive that materially disrupts the Company&rsquo;s business operations
                                         to a level which is materially detrimental to the Company&rsquo;s best interest, that,
                                         if susceptible of cure remains uncured ten days following written notice to the executive;
                                         or </FONT></TD></TR>                                                             <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 17.95pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&#9679;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">the
                                         failure of the executive to devote his full business time and attention to his employment
                                         as provided under the employment agreement that, if susceptible of cure, remains uncured
                                         30 days following written notice to the executive of such failure. </FONT></TD></TR></TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><I>Endorsement
Split Dollar Agreements</I></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We consider
adequate life insurance coverage for executives to be an essential element of the compensation necessary to retain, attract and
reward excellent service. We entered into endorsement split dollar insurance agreements effective January 1, 2009, with Mr. Seaver,
and on November 1, 2012 with Mr. Dowling, entitling each executive to designate the beneficiary of a specified portion of the
death benefits payable under bank-owned policies on the executive&rsquo;s life. The executive&rsquo;s right to designate a beneficiary
of the life insurance death benefit expires when the executive&rsquo;s employment terminates or when the executive attains age
65, whichever occurs first. The death benefit payable to the executive&rsquo;s beneficiary is the lesser of (x) 100% of the policy&rsquo;s
net death proceeds, meaning <I>the</I> total death benefit minus the policy&rsquo;s cash surrender value, or (y) three times the
executives salary. The bank is entitled to all insurance policy death proceeds remaining after payment of the death benefit to
the executive&rsquo;s beneficiary<B>. </B></FONT></P>


<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">31</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">This bank-owned
life insurance financing method is not expected to result in any material cost to the bank, but it is expected to increase the
bank&rsquo;s non-interest income in future operating periods. Because the bank intends to hold the bank-owned life insurance until
the death of the insureds, the increase of cash surrender value should be tax-free income under current federal income tax law.
The collection of death benefits on the life insurance policies, which is likewise tax free under current federal and state income
taxation, is expected to enhance our return as well. The combination of tax-preferred income generated by the increasing cash
value of the insurance policy, the tax-free insurance death benefit, and fully tax-deductible benefit payments to participants
enables a bank to provide this significant benefit to executives through attractive cost-recovery financing.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Employee
Compensation as compared to the Compensation of our Chief Executive Officer</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">As of
December 31, 2021, the pay ratio for total compensation of our Chief Executive Officer to the median of the annual total compensation
of all employees was 15 to 1. For the period ending December 31, 2021, the median of the annual total compensation of all our
employees, with the exception of R. Arthur Seaver, Jr., our Chief Executive Officer, was $83,638, and the annual total compensation
of Mr. Seaver was $1,279,479.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 13.5pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We completed
the following steps to identify the median of the annual total compensation of all our employees and to determine the annual total
compensation of our median employee and CEO.</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">1.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">As
                                         of December 31, 2021, our employee population consisted of approximately 280 individuals,
                                         including any full-time, part-time, temporary, or seasonal employees employed on that
                                         date. This date was selected because it aligned with a payroll cycle and allowed us to
                                         identify employees in a reasonably efficient manner.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">2.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">To
                                         find the median of the annual total compensation of all our employees (other than our
                                         chief executive officer), we used wages from our payroll records as reported to the Internal
                                         Revenue Service on Form W-2 for fiscal year 2021. In making this determination, we annualized
                                         the compensation of full-time and part-time permanent employees who were employed on
                                         December 31, 2021, but did not work for us for the entire year. No full-time equivalent
                                         adjustments were made for part-time employees.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">3.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We
                                         identified our median employee using this compensation measure and methodology, which
                                         was consistently applied to all our employees included in the calculation.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 13.5pt"></TD><TD STYLE="width: 18pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">4.</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">After
                                         identifying the median employee, we added together all of the elements of such employee&rsquo;s
                                         compensation for 2021 in accordance with the requirements of Item 402(c)(2)(x) of Regulation
                                         S-K, resulting in annual total compensation of $83,638.</FONT></TD></TR></TABLE>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Total compensation
for Mr. Seaver represents the amount reported in the &ldquo;Total&rdquo; column of our 2021 Summary Compensation Table and includes
salary, bonus, stock awards, option awards, nonqualified deferred compensation and other compensation.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">32</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Director Compensation </B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The following
table shows the compensation paid to each of our non-employee directors for board and committee meeting attendance in 2021. None
of our non-employee directors received any other compensation for the year ended December 31, 2021.</FONT></P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 84%; border-top: Black 2px solid; border-bottom: Black 1px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: left; padding-top: 10pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Name
    <SUP>(1)</SUP></B></FONT></td>
    <TD STYLE="width: 1%; border-top: Black 2px solid; border-bottom: Black 1px solid; padding-right: 0.5pt; padding-left: 0.5pt; text-indent: 0in; text-align: left; padding-top: 10pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>&nbsp;</B></FONT></td>
    <TD STYLE="width: 15%; border-top: Black 2px solid; border-bottom: Black 1px solid; padding-right: 2.25pt; padding-left: 0.5pt; text-indent: 0in; text-align: right; padding-top: 10pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Fees
    Earned or <br>
    Paid in Cash</B></FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Andrew
    B. Cajka, Jr.</FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">$&nbsp;&nbsp;&nbsp;47,900</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Mark
    A. Cothran</FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">38,400</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Leighton
    M. Cubbage</FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">43,650</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Anne
    S. Ellefson</FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">45,700</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">David
    G. Ellison </FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">43,300</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Terry
    Grayson-Caprio</FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">25,500</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Tecumseh
    Hooper. Jr. </FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">45,850</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Rudolph
    G. Johnstone, III </FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">41,400</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Ray
    A. Lattimore</FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">23,500</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Anna
    T. Locke</FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">42,700</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">William
    A. Maner, IV</FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">24,500</FONT></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">James
    B. Orders, III</FONT></td>
    <TD STYLE="vertical-align: top; padding: 2pt 0.5pt; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">51,100</FONT></td></tr>
<TR STYLE="background-color: Silver">
    <TD STYLE="vertical-align: top; border-top: Black 1px solid; border-bottom: Black 2px solid; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: top; border-top: Black 1px solid; border-bottom: Black 2px solid; padding: 2pt 0.5pt 2pt 0.2in; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">&nbsp;</FONT></td>
    <TD STYLE="vertical-align: bottom; border-top: Black 1px solid; border-bottom: Black 2px solid; padding: 2pt 2.25pt 2pt 0.5pt; text-indent: 0.2in; text-align: right"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">$
    473,500</FONT></td></tr>
</table>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; text-indent: 0in; text-align: justify; padding-top: 10pt; padding-right: 8pt; padding-left: 3pt">(1)</td>
    <TD STYLE="width: 99%; text-indent: 0in; text-align: justify; padding-top: 10pt">There were no outstanding stock options held
    by non-employee directors at December 31, 2021. Stock options held at December 31, 2021 by Mr. Seaver are included in the
    table for the named executive officers under the heading entitled &ldquo;Outstanding Equity Awards at Fiscal Year End.&rdquo;</td></tr>
</table>
<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">From January
through March 2021, we paid each of our non-employee directors $1,150 for each board and committee meeting they attended, while
the chairs of the board and committees were paid an additional $100 for each meeting they attended. Beginning in April 2021, we
paid each of our non-employee directors a monthly retainer of $2,500 and an additional $1,000 for each board and committee meeting
they attended. Also beginning in April 2021, the chairs of the board and committees were paid an additional $500 for each meeting
they attended.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>BENEFICIAL
OWNERSHIP OF CERTAIN PARTIES</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: normal 9pt Arial, Helvetica, Sans-Serif">The
following table sets forth the number and percentage of outstanding shares that exceed 5% beneficial ownership (determined in
accordance with Rule 13d-3 under the Exchange Act) by any single person or group, as known by the Company: </FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: Black 2px solid; text-align: left; border-bottom: Black 1px solid"><B>Name of Beneficial Owner</B></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid"><B>&nbsp;</B></TD>
    <TD STYLE="border-top: Black 2px solid; text-align: right; border-bottom: Black 1px solid"><B>Number of<BR> Shares of<BR>
    Common&nbsp;Stock <BR> Owned</B></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid"><B>&nbsp;</B></TD>
    <TD STYLE="border-top: Black 2px solid; text-align: right; border-bottom: Black 1px solid"><B>Right to <BR> Acquire</B></TD><TD STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid"><B>&nbsp;</B></TD>
    <TD STYLE="border-top: Black 2px solid; text-align: right; border-bottom: Black 1px solid; padding-right: 3pt"><B>Percentage<BR>

    of&nbsp;Beneficial<BR> &nbsp;Ownership</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="width: 61%; text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">T. Rowe Price Associates, Inc. <SUP>(1)</SUP></FONT></TD><TD STYLE="width: 3%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">653,401</TD><TD STYLE="width: 3%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="width: 3%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; padding-right: 3pt; padding-top: 2pt; padding-bottom: 2pt">8.24%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">FJ Capital Management LLC <SUP>(2)</SUP></FONT></TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">600,284</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-right: 3pt; padding-top: 2pt; padding-bottom: 2pt">7.57%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">BlackRock, Inc. <SUP>(3)</SUP></FONT></TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">516,946</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-right: 3pt; padding-top: 2pt; padding-bottom: 2pt">6.52%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; border-bottom: Black 2px solid; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Manulife Financial Corporation <SUP>(4)</SUP></FONT></TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">405,237</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="border-bottom: Black 2px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2px solid; text-align: right; padding-right: 3pt; padding-top: 2pt; padding-bottom: 2pt">5.11%</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding-top: 10pt; padding-right: 8pt; padding-left: 3pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(1)</FONT></td>
    <TD STYLE="width: 99%; padding-top: 10pt; padding-bottom: 4pt; text-align: justify"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The
    mailing address for T. Rowe Price Associates, Inc. is 100 E. Pratt Street, Baltimore, MD 21202.&nbsp;&nbsp;The T. Rowe Price
    Associates, Inc. information set forth in this proxy statement is based on information set forth in a Schedule 13G, as amended,
    filed by T. Rowe Price Associates, Inc. with the SEC on February 14, 2022, reporting that T. Rowe Price Associates, Inc. has
    sole voting power over 270,433 shares and sole dispositive power over 653,401 shares.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 3pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(2)</FONT></td>
    <TD STYLE="padding-bottom: 4pt; text-align: justify"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The mailing address
    for FJ Capital Management LLC is 7901 Jones Branch Drive, Suite 210, McLean, VA 22102. FJ Capital Management LLC information
    set forth in this proxy statement is based on information set forth in a Schedule 13G filed by FJ Capital Management LLC with
    the SEC on February 11, 2022, reporting that FJ Capital Management and Martin Friedman have shared voting and dispositive
    power over 600,284 shares of our common stock, Financial Opportunity Fund LLC has shared voting and dispositive power over
    534,412 shares of our common stock, and Financial Opportunity Long/Short Fund LLC has shared voting and dispositive power
    over 17,400 shares of our common stock.</FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 3pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(3)</FONT></td>
    <TD STYLE="padding-bottom: 4pt; text-align: justify"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The mailing address
    for BlackRock, Inc. is 55 East 52<SUP>nd</SUP> Street, New York, NY 10055.&nbsp;&nbsp;The BlackRock, Inc. information set
    forth in this proxy statement is based on information set forth in a Schedule 13G, filed by BlackRock, Inc. with the SEC on
    February 3, 2022, reporting that BlackRock, Inc. has sole voting power over 508,163 shares and sole dispositive power over
    516,946 shares.&nbsp;&nbsp;According to this Schedule 13G, the following subsidiaries of BlackRock, Inc. hold shares of our
    common stock, none of which beneficially owns 5% or greater of our outstanding shares:&nbsp;&nbsp;Aerio Group, LLC, BlackRock
    Advisors, LLC, BlackRock Asset Management Canada Limited, BlackRock Fund Advisors, BlackRock Institutional Trust Company,
    National Association, BlackRock Financial Management, Inc., and BlackRock Investment Management, LLC. </FONT></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-left: 3pt"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">(4)</FONT></td>
    <TD STYLE="padding-bottom: 4pt; text-align: justify"><FONT STYLE="font: 8pt Arial, Helvetica, Sans-Serif">The Manulife Financial
    Corporation (&ldquo;MFC&rdquo;) set forth in this proxy statement is based on information set forth in a Schedule 13G, as
    amended, filed by MFC and MFC&rsquo;s indirect, wholly-owned subsidiaries, Manulife Investment Management (US) LLC (&ldquo;MIM
    (US)&rdquo;) and Manulife Investment Management Limited (&ldquo;MIML&rdquo;) with the SEC on February 16, 2022, reporting
    that MFC has sole voting and dispositive power over no shares of our common stock, MIM (US) has sole voting and dispositive
    power over 400,386 shares, and MIML has sole voting and dispositive power over 4,851 shares. Through its parent-subsidiary
    relationship to MIM (US) and MIML, MFC may be deemed to have beneficial ownership of these same shares. The mailing address
    for MIM (US) is 197 Clarendon Street, Boston, MA 02116.&nbsp;&nbsp;The mailing address of MFC and MIML is 200 Bloor Street
    East, Toronto, Ontario, Canada, M4W 1E5.</FONT></td></tr>
</table>

<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">33</FONT></P>
<HR noshade align="center" width="100%" size=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV>

<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>BENEFICIAL
OWNERSHIP OF DIRECTORS AND EXECUTIVE OFFICERS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The following
table sets forth, as of March 15, 2022, the number and percentage of outstanding shares of our common stock beneficially owned
by (i) each director and nominee for director of the Company, (ii) each named executive officer, and (iii) all executive officers
and directors as a group. Unless otherwise indicated, the mailing address for each beneficial owner is care of Southern First
Bancshares, Inc., 100 Verdae Boulevard, Suite 100, Greenville, South Carolina 29607.</FONT></P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 9pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: left"><B>Name and Address</B></TD><TD NOWRAP STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid"><B>&nbsp;</B></TD>
    <TD NOWRAP STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right"><B>Number of<br> Shares <br> Owned<SUP>(1)</SUP></B></TD><TD NOWRAP STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
    <TD NOWRAP STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right"><B>Right to <br> Acquire<SUP>(2)</SUP></B></TD><TD NOWRAP STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
    <TD NOWRAP STYLE="border-top: Black 2px solid; border-bottom: Black 1px solid; text-align: right; padding-right: 3pt"><B>Percentage
    <br> of Beneficial<br> &nbsp;Ownership<SUP>(3)</SUP></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="font-weight: bold; font-style: italic; text-indent: 0in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">Directors</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 61%; text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Andrew B. Cajka, Jr.</TD><TD STYLE="width: 3%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">11,901</TD><TD STYLE="width: 3%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="width: 3%; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.15%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Mark A. Cothran<SUP>(4)</SUP></FONT></TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">99,191</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">1.24%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Leighton M. Cubbage</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">66,932</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.84%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Anne S. Ellefson</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">6,562</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.08%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">David G. Ellison</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">40,418</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.51%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Terry Grayson-Caprio</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">240</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.00%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Tecumseh Hooper, Jr.</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">41,297</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.52%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Rudolph G. Johnstone, III</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">29,881</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.37%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Ray A. Lattimore</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">155</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.00%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Anna T. Locke</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">42</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.00%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">William A, Maner, IV</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">425</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.01%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">James B. Orders, III</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">48,962</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">-</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.61%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; font-style: italic; text-align: left; text-indent: 0in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">Named Executive Officers</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">R. Arthur Seaver, Jr.</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">71,891</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">61,750</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">1.66%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Michael D. Dowling</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">39,530</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">52,001</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">1.14%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">Calvin C. Hurst</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">4,500</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">8,000</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.16%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt; padding-bottom: 2pt">William M. Aiken, IIII</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">3,800</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt; padding-bottom: 2pt">1,375</TD><TD STYLE="padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0.2in; padding: 2pt 3pt 2pt 0.5pt">0.06%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="text-align: left; padding-bottom: 2pt; text-indent: 0in; padding-left: 0.2in; padding-top: 2pt">Silvia T. King</TD><TD STYLE="padding-bottom: 2pt; padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-bottom: 2pt; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt">600</TD><TD STYLE="padding-bottom: 2pt; padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-bottom: 2pt; text-indent: 0.2in; padding-left: 0.5pt; padding-top: 2pt">5,125</TD><TD STYLE="padding-bottom: 2pt; padding-top: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding: 2pt 3pt 2pt 0.5pt; text-indent: 0.2in">0.07%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 2pt; text-indent: 0in; padding-left: 0.2in; border-top: Black 1px solid; border-bottom: Black 2px solid; padding-top: 2pt">Executive officers and directors as a group (14 persons)</TD><TD STYLE="border-bottom: Black 2px solid; border-top: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-bottom: 2pt; text-indent: 0.2in; padding-left: 0.5pt; border-top: Black 1px solid; border-bottom: Black 2px solid; padding-top: 2pt">466,327</TD><TD STYLE="border-bottom: Black 2px solid; border-top: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding-bottom: 2pt; text-indent: 0.2in; padding-left: 0.5pt; border-top: Black 1px solid; border-bottom: Black 2px solid; padding-top: 2pt">128,251</TD><TD STYLE="border-bottom: Black 2px solid; border-top: Black 1px solid; padding-top: 2pt; padding-bottom: 2pt">&nbsp;</TD>
    <TD STYLE="text-align: right; padding: 2pt 3pt 2pt 0.5pt; text-indent: 0.2in; border-top: Black 1px solid; border-bottom: Black 2px solid">7.34%</TD></TR>
</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 8pt Arial, Helvetica, Sans-Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1%; padding: 10pt 8pt 4pt 0.05in; text-indent: 0in">(1)</td>
    <TD STYLE="width: 99%; padding: 10pt 0.05in 4pt; text-indent: 0in; text-align: justify">As
    reported to the Company by the directors, nominees and executive officers.</td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-bottom: 4pt; padding-left: 0.05in; text-indent: 0in">(2)</td>
    <TD STYLE="padding-right: 0.05in; padding-bottom: 4pt; padding-left: 0.05in; text-indent: 0in; text-align: justify">Includes
    shares that may be acquired within 60 days of the date of this prospectus by exercising vested stock options (or stock options
    that will vest within 60 days of the date of this proxy statement), but does not include any unvested stock options.</td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-bottom: 4pt; padding-left: 0.05in; text-indent: 0in">(3)</td>
    <TD STYLE="padding-right: 0.05in; padding-bottom: 4pt; padding-left: 0.05in; text-indent: 0in; text-align: justify">For each
    individual, this percentage is determined by assuming the named person exercises all options which he or she has the right
    to acquire within 60 days, but that no other persons exercise any options.&nbsp;&nbsp;For the directors and executive officers
    as a group, this percentage is determined by assuming that each director and executive officer exercises all options which
    he or she has the right to acquire within 60 days, but that no other persons exercise any options.&nbsp;&nbsp;The calculations
    are based on 7,978,369 shares of common stock outstanding on March 15, 2022.</td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 8pt; padding-bottom: 4pt; padding-left: 0.05in; text-indent: 0in">(4)</td>
    <TD STYLE="padding-right: 0.05in; padding-bottom: 4pt; padding-left: 0.05in; text-indent: 0in; text-align: justify">Includes
    47,000 shares pledged as collateral to secure personal indebtedness over which Mr. Cothran retains voting rights.</td></tr>
</table>

<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">34</FONT></P>
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<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>CERTAIN
RELATIONSHIPS AND RELATED PARTY TRANSACTIONS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We enter
into banking and other transactions in the ordinary course of business with our directors and officers of the Company and the
bank and their affiliates. Our policies and procedures related to these transactions are not in writing, but are reflected by
our course of conduct. These transactions, which would be reviewed and approved in advance by our audit committee, are made on
substantially the same terms (including price, interest rates, repayment terms, and collateral) as those prevailing at the time
for comparable transactions with unrelated parties. Loans do not involve more than the normal risks of repayment nor present other
unfavorable features. Loans to individual directors and officers must also comply with our bank&rsquo;s lending policies and statutory
lending limits, and directors with a personal interest in any loan application are excluded from the consideration of the loan
application.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The aggregate
dollar amount of loans outstanding to persons affiliated with the bank was approximately $8.8 million at December 31, 2021 and
$5.8 million at December 31, 2020.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Compensation
Committee Interlocks and Insider Participation.</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The members
of the compensation during fiscal year 2021 were Messrs. Cubbage, Hooper, Johnstone, Maner and Orders and Ms. Ellefson. No member
of this committee was at any time during 2021 or at any other time an officer or employee of the Company or any of its subsidiaries,
and no member of this committee had any relationship with the Company requiring disclosure under Item 404 of Regulation S-K. No
executive officer of the Company has served on the board of directors or compensation committee of any other entity that has or
has had one or more executive officers who served as a member of the compensation committee during 2021.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>Interests
of Management and Others in Certain Transactions</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The Bank
has a land lease with a company owned by our director, Mr. Cothran, on the property for one of our branch offices, with monthly
payments of $9,311. In addition, the bank periodically enters into various consulting agreements with Mr. Cothran for development,
administration and advisory services related to the purchase of property and construction of current and future branch office
sites. Payments totaling $300,000 and $600,000 were made to Mr. Cothran for these services during the years ended December 31,
2021 and 2020, respectively, per the Development Services Agreement dated April 9, 2019, as amended from time to time.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">The Bank
is of the opinion that the lease payments and development, administration and advisory payments represent market costs that could
have been obtained in similar &ldquo;arm&rsquo;s length&rdquo; transactions.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>DELINQUENT
SECTION 16(A) REPORTS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">Section
16(a) of the Exchange Act requires our officers and directors and persons who own more than 10% of our common stock to file reports
of ownership and changes in ownership with the SEC. Based solely on our review of these forms and written representations from
the officers and directors, we believe that all Section 16(a) filing requirements were met during fiscal 2021, except that (i)
Mr. Cubbage, a director, inadvertently neglected to timely report sales of 28 shares of our common stock made on October 29, 2021,
which error has since been corrected in filing a late Form 4 on November 8, 2021, (ii) Mr. Ellison, a director, inadvertently
neglected to timely report a gift of 2,585 shares of our common stock made on February 17, 2021, which error has since been corrected
in filing a late Form 4 on March 23, 2021, (iii) Mr. Seaver, a director and executive officer, inadvertently neglected to timely
report an exercise of stock options and subsequent sale of 11,000 shares made on May 3, 2021, which error has since been corrected
in filing a late Form 4 on May 7, 2021, and (iv) Mr. Dowling, an executive officer, neglected to timely report sales of 3,000
shares of our common stock made on February 26, 2021, which error has since been corrected in filing a late Form 4 on March 3,
2021.</FONT></P>




<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">35</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>SHAREHOLDER
PROPOSALS FOR THE 2022 ANNUAL MEETING OF SHAREHOLDERS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">If shareholders
wish a proposal to be included in our proxy statement and form of proxy relating to the 2023 Annual Meeting of Shareholders, they
must deliver a written copy of their proposal to our principal executive offices no later than December 9, 2022. To ensure prompt
receipt by the Company, the proposal should be sent certified mail, return receipt requested. Proposals must comply with our bylaws
relating to shareholder proposals in order to be included in our proxy materials.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">It is our
policy that any shareholder proposal to be made at an annual meeting, but which is not requested to be included in our proxy materials,
must be delivered to our corporate secretary between 30 and 60 days prior to the annual meeting; provided, however, that if less
than 31 days&rsquo; notice of the meeting is given to shareholders, the notice must be delivered within 10 days following the
day on which notice of the meeting was mailed to shareholders. To be timely for the 2023 annual meeting, a shareholder proposal
must be delivered to Southern First Bancshares, Inc., P.O. Box 17465, Greenville, South Carolina 29606, Attention: Corporate Secretary,
no earlier than March 18, 2023 and no later than April 17, 2023.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>SHAREHOLDER
COMMUNICATIONS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We do not
have a formal process by which shareholders may communicate with our board of directors. Historically, however, the chairman of
the board or the nominating committee has undertaken responsibility for responding to questions and concerns expressed by shareholders.
In the view of our board of directors, this approach has been sufficient to ensure that questions and concerns raised by shareholders
are adequately addressed. Any shareholder desiring to communicate with the Board may do so by writing to Southern First Bancshares,
Inc., P.O. Box 17465, Greenville, South Carolina 29606, Attention: Corporate Secretary.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: center; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif"><B>OTHER
BUSINESS</B></FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-align: justify; text-indent: 0.2in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">We do not
know of any other business to be presented at the 2022 Annual Meeting of Shareholders. If any other matters are properly brought
before the 2022 Annual Meeting of Shareholders, however, it is the intention of the persons named in the accompanying proxy to
vote such proxy in accordance with their best judgment.</FONT></P>



<P STYLE="margin-right: 0; margin-left: 0; text-indent: 0in"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">April 8, 2022</FONT></P>


<P STYLE="text-align: center"><FONT STYLE="font: 9pt Arial, Helvetica, Sans-Serif">36</FONT></P>
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<DIV>
<BR>

<DIV style="WIDTH: 40%; FLOAT: left">

<DIV style="PADDING-LEFT: 30pt">
<IMG border=0 src="sfst4023331-def14ax1x1.jpg">

<P style="TEXT-ALIGN: left; MARGIN-TOP:0PT"><B><I><FONT size=1 face=Arial>SOUTHERN FIRST BANCSHARES, INC. <BR>P.O. BOX 17465 <BR>GREENVILLE S.C. 29606</FONT></I></B></P></DIV></DIV>

<DIV style="WIDTH: 58%; FLOAT: right">

<TABLE style="LINE-HEIGHT: normal" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

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   <IMG border=0 src="sfst4023331-def14ax1x2.jpg"></TD>

   <TD STYLE="vertical-align: middle; width: 1%; white-space: nowrap; text-align: left; padding-right: 15pt; padding-left: 15pt">



   <P style="TEXT-ALIGN: center"><B><FONT size=4 face=Arial>SCAN TO<BR></FONT></B><B><FONT size=1 face=Arial>VIEW MATERIALS &amp;VOTE</FONT></B></P></TD>

   <TD vAlign=middle width="98%" noWrap align=left>
   <IMG border=0 src="sfst4023331-def14ax1x3.jpg"></TD></TR></TABLE>

<DIV style="TEXT-ALIGN: justify"><B><FONT size=1 face=Arial>VOTE BY INTERNET - www.proxyvote.com or scan the QR Barcode above<BR></FONT></B><FONT size=1 face=Arial>Use the Internet to transmit your voting instructions and for electronic delivery of information. Vote by 11:59 P.M. ET on 05/16/2022. Have your proxy card in hand when you access the web site and follow the instructions to obtain your records and to create an electronic voting instruction form.</FONT></DIV>

<DIV STYLE="text-align: justify"><B><FONT size=1 face=Arial>ELECTRONIC DELIVERY OF FUTURE PROXY MATERIALS<BR></FONT></B><FONT size=1 face=Arial>If you would like to reduce the costs incurred by our company in mailing proxy materials, you can consent to receiving all future proxy statements, proxy cards and annual reports electronically via e-mail or the Internet. To sign up for electronic delivery, please follow the instructions above to vote using the Internet and, when prompted, indicate that you agree to receive or access proxy materials electronically in future years.</FONT></DIV>

<P STYLE="text-align: justify; MARGIN-BOTTOM:0PT"><B><FONT size=1 face=Arial>VOTE BY PHONE - 1-800-690-6903<BR></FONT></B><FONT size=1 face=Arial>Use any touch-tone telephone to transmit your voting instructions. Vote by 11:59 P.M. ET on 05/16/2022. Have your proxy card in hand when you call and then follow the instructions.</FONT></P>

<DIV STYLE="text-align: justify"><B><FONT size=1 face=Arial>VOTE BY MAIL<BR></FONT></B><FONT size=1 face=Arial>Mark, sign and date your proxy card and return it in the postage-paid envelope we have provided or return it to Vote Processing, c/o Broadridge, 51 Mercedes Way, Edgewood, NY 11717.</FONT></DIV></DIV><BR clear=all>
<BR>
<BR>
<BR>
<BR>
<BR>
<BR>
<BR>
<BR>

<TABLE style="LINE-HEIGHT: NORMAL; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="95%" noWrap align=left><FONT size=1 face=Arial>TO VOTE, MARK BLOCKS BELOW IN BLUE OR BLACK INK AS FOLLOWS:</FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 95%; white-space: nowrap; text-align: right; border-bottom: Black 1pt dashed"><FONT size=1 face=Arial>KEEP THIS PORTION FOR YOUR RECORDS</FONT></TD></TR>

<TR>

   <TD align=right><FONT size=1 face=Arial>DETACH AND RETURN THIS PORTION ONLY</FONT></TD></TR>

<TR>

   <TD style="text-align: center"><FONT size=1 face=Arial><STRONG>THIS PROXY CARD IS VALID ONLY WHEN SIGNED AND DATED.</STRONG></FONT></TD></TR></TABLE>
<DIV STYLE="FLOAT:LEFT; WIDTH:2%">
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>
<IMG BORDER="0" SRC="sfst4023331-def14ax1x4.jpg">
</DIV>
<DIV STYLE="FLOAT:RIGHT; WIDTH:97%">

<DIV style="BORDER-TOP: #c0c0c0 2pt solid; BORDER-RIGHT: #c0c0c0 2pt solid; BORDER-BOTTOM: #c0c0c0 2pt solid; PADDING-BOTTOM: 4pt; PADDING-TOP: 4pt; PADDING-LEFT: 4pt; BORDER-LEFT: #c0c0c0 2pt solid; PADDING-RIGHT: 4pt">

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<TR vAlign=bottom>

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   <TD vAlign=top width="30%" align=left></TD>

   <TD vAlign=top width="1%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD vAlign=top width="1%" align=left>



   <P style="TEXT-ALIGN: center"><B><FONT size=1 face=Arial>For <BR>All</FONT></B></P></TD>

   <TD vAlign=top width="1%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD vAlign=top width="1%" align=left>



   <P style="TEXT-ALIGN: center"><B><FONT size=1 face=Arial>Withhold <BR>All</FONT></B></P></TD>

   <TD vAlign=top width="1%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD vAlign=top width="1%" align=left>



   <P style="TEXT-ALIGN: center"><B><FONT size=1 face=Arial>For All <BR>Except</FONT></B></P></TD>

   <TD vAlign=top width="1%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="vertical-align: top; width: 30%; text-align: left; white-space: nowrap">



   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>To withhold authority to vote for any <BR>
individual nominee(s), mark &#8220;For All <BR>
Except&#8221; and write the number(s) of the <BR>
nominee(s) on the line below.</FONT></P></TD>

   <TD vAlign=top width="30%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=top width="1%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD vAlign=top width="1%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" align=left></TD>

   <TD STYLE="vertical-align: top; width: 30%; text-align: left; white-space: nowrap">



   <P style="TEXT-ALIGN: left"><B><FONT size=1 face=Arial>The Board of Directors recommends you vote FOR <BR>
the following:</FONT></B></P></TD>

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   <TD vAlign=top width="1%" align=left></TD>

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   <TD style="BORDER-RIGHT: #000000 1.5pt solid" vAlign=top width="1%" align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=top width="30%" align=left></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD vAlign=middle width="1%" align=center><FONT style="FONT-SIZE: 10pt">&#9744;</FONT></TD>

   <TD vAlign=middle width="1%" align=center></TD>

   <TD vAlign=middle width="1%" align=center><FONT style="FONT-SIZE: 10pt">&#9744;</FONT></TD>

   <TD vAlign=middle width="1%" align=center></TD>

   <TD vAlign=middle width="1%" align=center><FONT style="FONT-SIZE: 10pt">&#9744;</FONT></TD>

   <TD vAlign=top width="1%" align=left></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top width="30%" align=left>&nbsp;</TD>

   <TD vAlign=top width="30%" align=left></TD>

   <TD style="BORDER-RIGHT: #000000 1.5pt solid" vAlign=top width="1%" align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" align=left></TD></TR></TABLE>

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<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: right">&nbsp;</TD>
   <TD STYLE="vertical-align: top; white-space: nowrap; text-align: left; padding-right: 8pt">&nbsp;</TD>
   <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><B><FONT size=1 face=Arial>1.</FONT></B></TD>

   <TD vAlign=top width="98%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>To elect directors (01), (02), (03) and (04) <BR>
for a 3-year term.</FONT></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=right>&nbsp;</TD>

   <TD vAlign=top width="1%" noWrap align=right></TD>

   <TD vAlign=top width="98%" align=left></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=right></TD>

   <TD vAlign=top width="1%" noWrap align=right></TD>

   <TD vAlign=top width="98%" align=left>



   <P style="TEXT-ALIGN: left"><B><FONT size=1 face=Arial>Nominees</FONT></B></P></TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=right>&nbsp;</TD>

   <TD vAlign=top width="1%" noWrap align=right></TD>

   <TD vAlign=top width="98%" align=left></TD></TR></TABLE>


<TABLE style="LINE-HEIGHT: normal" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt">



   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>01</FONT></P></TD>

   <TD vAlign=top width="1%" noWrap align=left>



   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>Leighton M. Cubbage</FONT></P></TD>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt">





   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>02</FONT></P></TD>

   <TD vAlign=top width="1%" noWrap align=left>





   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>David G. Ellison</FONT></P></TD>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt">
   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>03</FONT></P></TD>

   <TD vAlign=top width="1%" noWrap align=left>
   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>James B. Orders, III</FONT></P></TD>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt">
   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>04</FONT></P></TD>

   <TD vAlign=top width="1%" noWrap align=left>
   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>Terry Grayson&#8211;Caprio</FONT></P></TD>

   <TD vAlign=top width="88%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD vAlign=top width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="88%" noWrap align=left></TD></TR></TABLE>

<TABLE style="LINE-HEIGHT: NORMAL; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>



<TR vAlign=bottom>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="93%" colSpan=2 noWrap align=left><B><FONT size=1 face=Arial>The Board of Directors recommends you vote FOR proposals 2 and 3.</FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>For</FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>Against</FONT></B></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

   <TD width="1%" noWrap align=center><B><FONT size=1 face=Arial>Abstain</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" noWrap align=left>&nbsp;</TD>

   <TD width="93%" colSpan=2 noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=center></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" noWrap align=left></TD>

   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><B><FONT size=1 face=Arial>2.</FONT></B></TD>

   <TD vAlign=top width="92%" align=left>



   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>To conduct an advisory vote on the compensation of our named executive officers as disclosed in this proxy statement (this is a non-binding, advisory vote).</FONT></P></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=center><FONT style="FONT-SIZE: 10pt">&#9744;</FONT></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=center><FONT style="FONT-SIZE: 10pt">&#9744;</FONT></TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="1%" noWrap align=center><FONT style="FONT-SIZE: 10pt">&#9744;</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" noWrap align=left>&nbsp;</TD>

   <TD vAlign=top width="1%" noWrap align=left></TD>

   <TD vAlign=top width="92%" align=left></TD>

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   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left; padding-right: 8pt"><B><FONT size=1 face=Arial>3.</FONT></B></TD>

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   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>To ratify the appointment of Elliott Davis, LLC as our independent registered public accounting firm for the fiscal year ending December 31, 2022.</FONT></P></TD>

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   <TD vAlign=top width="1%" noWrap align=center><FONT style="FONT-SIZE: 10pt">&#9744;</FONT></TD>

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   <TD vAlign=top width="1%" noWrap align=center><FONT style="FONT-SIZE: 10pt">&#9744;</FONT></TD>

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   <P style="TEXT-ALIGN: left"><B><FONT size=1 face=Arial>NOTE: </FONT></B><FONT size=1 face=Arial>Such other business as may properly come before the meeting or any adjournment thereof.</FONT></P></TD></TR></TABLE>

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   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>Please sign exactly as your name(s) appear(s) hereon. When signing as attorney, executor, administrator, or other fiduciary, please give full title as such. Joint owners should each sign personally. All holders must sign. If a corporation or partnership, please sign in full corporate or partnership name, by authorized officer.</FONT></P></TD></TR></TABLE>

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   <TD STYLE="vertical-align: top; width: 1%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

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   <TD STYLE="vertical-align: top; width: 5%; white-space: nowrap; text-align: left; border: Black 1pt solid">&nbsp;</TD>

   <TD STYLE="vertical-align: top; width: 20%; white-space: nowrap; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>

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   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>Signature [PLEASE SIGN WITHIN BOX]</FONT></P></TD>

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   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>Date</FONT></P></TD>

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   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>Signature (Joint Owners)</FONT></P></TD>

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   <P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>Date</FONT></P></TD>

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   <TD STYLE="width: 100%; text-align: left; border-bottom: Black 1pt dashed"><B><FONT size=2 face=Arial>Important Notice Regarding the Availability of Proxy Materials for the Annual Meeting: </FONT></B><FONT size=2 face=Arial>The Notice &amp; Proxy Statement, Form 10-K is/are available at www.proxyvote.com</FONT></TD></TR></TABLE><BR>
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<DIV style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>Annual Meeting of Shareholders - May 17, 2022</FONT></B></DIV>

<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>This Proxy is Solicited by the Board of Directors</FONT></B></P>

<P style="TEXT-ALIGN: left"><FONT size=1 face=Arial>The undersigned hereby constitutes and appoints R. Arthur Seaver, Jr. and Andrew B. Cajka, each of them as his or her true and lawful agents and proxies with full power of substitution in each, to represent and vote, as indicated below, all of the shares of common stock of Southern First Bancshares, Inc. that the undersigned would be entitled to vote at the Annual Meeting of Shareholders of Southern First Bancshares, Inc. to be held on May 17, 2022, at Southern First Bank at 100 Verdae Boulevard, Suite 100, Greenville, South Carolina, at 9:30 a.m., Eastern Standard time, and at any postponement or adjournment thereof.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=1 face=Arial>This proxy, when properly executed, will be voted in the manner directed herein by the undersigned shareholder. If no direction is made, this proxy will be voted FOR the election of the four identified directors to serve on the board of directors, FOR Proposal No. 2, FOR Proposal No. 3, and in the discretion of the persons appointed herein upon such other matters as may properly come before the meeting or any adjournments or postponements thereof.</FONT></B></P>

<P style="TEXT-ALIGN: left"><B><FONT size=1 face=Arial>PLEASE MARK, SIGN, DATE, AND RETURN THIS PROXY PROMPTLY IN THE ENCLOSED ENVELOPE.</FONT></B></P><BR><BR><BR><BR><BR><BR><BR>

<DIV style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>(Items to be voted appear on reverse side.)</FONT></B></DIV></DIV></DIV><BR CLEAR=ALL>
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