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ACCESSION NUMBER:		0001206774-24-000008
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20231228
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240103
DATE AS OF CHANGE:		20240103

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHERN FIRST BANCSHARES INC
		CENTRAL INDEX KEY:			0001090009
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				582459561
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27719
		FILM NUMBER:		24506683

	BUSINESS ADDRESS:	
		STREET 1:		6 VERDAE BOULEVARD
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607
		BUSINESS PHONE:		8646799000

	MAIL ADDRESS:	
		STREET 1:		6 VERDAE BOULEVARD
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GREENVILLE FIRST BANCSHARES INC
		DATE OF NAME CHANGE:	19990707
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<p style="font: 14pt Arial, Helvetica, Sans-Serif; margin-bottom: 0pt; text-align: center"><b>UNITED STATES</b></p>

<p style="font: 14pt Arial, Helvetica, Sans-Serif; margin-bottom: 0pt; text-align: center"><b>SECURITIES AND EXCHANGE COMMISSION</b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center"><b>WASHINGTON, DC 20549</b></p>

<p style="font: 14pt Arial, Helvetica, Sans-Serif; text-align: center"><b>FORM <span id="xdx_90B_edei--DocumentType_c20231228__20231228_zHHIOEdoDiSk"><ix:nonNumeric contextRef="AsOf2023-12-28" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

<p style="font: 12pt Arial, Helvetica, Sans-Serif; text-align: center"><b>CURRENT REPORT PURSUANT<br />
TO SECTION 13 OR 15(D) OF THE<br />
SECURITIES EXCHANGE ACT OF 1934</b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">Date of report (Date of earliest event reported)<span style="text-decoration: underline">&#160;&#160;&#160;&#160;<span id="xdx_90D_edei--DocumentPeriodEndDate_c20231228__20231228_zLoxcMU187oe"><ix:nonNumeric contextRef="AsOf2023-12-28" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">December
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<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center">(Exact name of registrant as specified in its charter)</p>




<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-bottom: 0pt; text-align: center"><b><span style="text-decoration: underline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<span id="xdx_903_edei--EntityIncorporationStateCountryCode_c20231228__20231228_zXONovrFvMwf"><ix:nonNumeric contextRef="AsOf2023-12-28" format="ixt-sec:stateprovnameen" name="dei:EntityIncorporationStateCountryCode">South Carolina</ix:nonNumeric></span>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; text-align: center">(State or other jurisdiction of incorporation)</p>

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    <td style="width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>&#160;</b></span></td>
    <td style="width: 10%"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>&#160;</b></span></td>
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    <td><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><b>&#160;</b></span></td>
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<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-bottom: 0pt; text-align: center"><b><span style="text-decoration: underline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(<span id="xdx_903_edei--CityAreaCode_c20231228__20231228_zDwZptTpjjQk"><ix:nonNumeric contextRef="AsOf2023-12-28" name="dei:CityAreaCode">864</ix:nonNumeric></span>) <span id="xdx_900_edei--LocalPhoneNumber_c20231228__20231228_zkf4Ynemcqb"><ix:nonNumeric contextRef="AsOf2023-12-28" name="dei:LocalPhoneNumber">679-9000</ix:nonNumeric></span>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center">(Registrant's telephone number, including area code)</p>


<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-bottom: 0pt; text-align: center"><b><span style="text-decoration: underline">&#160;&#160;&#160;<span id="xdx_90E_edei--EntityAddressAddressLine1_c20231228__20231228__dei--EntityAddressesAddressTypeAxis__dei--FormerAddressMember_z9dXoMYL79u2"><ix:nonNumeric contextRef="From2023-12-282023-12-28_dei_FormerAddressMember" name="dei:EntityAddressAddressLine1">100 Verdae Boulevard</ix:nonNumeric></span>, <span id="xdx_909_edei--EntityAddressAddressLine2_c20231228__20231228__dei--EntityAddressesAddressTypeAxis__dei--FormerAddressMember_zRjnS7SInDN7"><ix:nonNumeric contextRef="From2023-12-282023-12-28_dei_FormerAddressMember" name="dei:EntityAddressAddressLine2">Suite 100</ix:nonNumeric></span>, <span id="xdx_901_edei--EntityAddressCityOrTown_c20231228__20231228__dei--EntityAddressesAddressTypeAxis__dei--FormerAddressMember_zGSbIfFHnk11"><ix:nonNumeric contextRef="From2023-12-282023-12-28_dei_FormerAddressMember" name="dei:EntityAddressCityOrTown">Greenville</ix:nonNumeric></span>,
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<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: center">(Former name or former address, if changed since last
report)</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):</p>

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    <td>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr>
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    <td>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </td></tr>
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    <td>&#160;</td>
    <td>&#160;</td></tr>
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    <td>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b)) </td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td></tr>
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<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 10pt 0pt">Securities registered pursuant to Section 12(b) of the Act:</p>

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<p style="font: 10pt Arial, Helvetica, Sans-Serif">Indicate by check mark whether the registrant is an emerging growth company
as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934
(&#167;240.12b-2 of this chapter).</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-bottom: 0pt; text-align: right"><span style="font-family: Arial, Helvetica, Sans-Serif">Emerging
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<p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; margin-top: 0pt"><span>If an emerging
growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any
new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </span><span style="font-family: Wingdings">o</span></p>
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<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-right: 0pt; margin-left: 0pt; text-align: justify"><b>ITEM 1.01&#160; Entry into a Material Definitive
Agreement.</b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: justify">On December 28, 2023, Southern First
Bancshares, Inc. (the &#34;Company&#34;) entered into a Loan Agreement (the &#34;Loan Agreement&#34;) with TIB, National Association
(the &#34;Lender&#34;) providing for a revolving multiple advances loan of up to an aggregate principal amount of $15,000,000.&#160;
This Loan Agreement replaces a similar facility held with another institution which matured on December 20, 2023. Borrowings under
the Loan Agreement accrue interest at The Wall Street Journal Prime Rate plus 0.25% per annum.&#160; In connection with entering
into the Loan Agreement, the Company issued to the Lender a Promissory Note dated as of December 28, 2023 (the &#8220;Promissory
Note&#8221;) in the amount of up to $15,000,000.&#160;Maturity of the Promissory Note will be 14 months from the closing date.&#160;
During this time, interest only payments will be due quarterly.&#160;&#160;The Company may at its option prepay the Promissory Note,
in whole or in part, at any time without penalty, plus accrued interest in the amount prepaid to the date of prepayment.</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: justify">The Loan Agreement contains customary representations,
warranties, covenants and events of default, including, without limitation, covenants pertaining to investments and acquisitions and certain
financial and capital ratios.&#160; An event of default will occur under the Loan Agreement if, among other things, the Company fails
to timely comply with its obligations under the Loan Agreement or breaches its representations or covenants under the Loan Agreement (in
each case, subject to applicable cure periods), or either the Company or its wholly-owned banking subsidiary, Southern First Bank (the
&#8220;Bank&#8221;), commences or becomes the subject a bankruptcy or similar proceeding.</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: justify">The obligations of the Company under the Loan Agreement
are secured by a pledge of all of the capital stock of the Bank pursuant to a Pledge Agreement dated as of December 28, 2023 between the
Company and the Lender (the &#34;Pledge Agreement&#34;).&#160; In the event of a default by the Company under the Loan Agreement, the
Lender may terminate the commitments made under the Loan Agreement, declare all amounts outstanding to be payable immediately and exercise
or pursue any other remedy permitted under the Loan Agreement or the Pledge Agreement, or conferred upon Lender by operation of law.</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; text-align: justify">The descriptions contained herein of the Loan Agreement,
the Promissory Note and the Pledge Agreement are qualified in their entirety by reference to the terms of such documents, each of which
is attached hereto as an exhibit and incorporated herein by this reference.</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif"><b>Item 2.03&#160; Creation of a Direct Financial Obligation.</b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt">The relevant disclosure set forth in Item 1.01 above is incorporated herein
by reference in response to this Item 2.03.</p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif"><b>ITEM 9.01.&#160;&#160;&#160;Financial Statements and Exhibits.</b></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="padding-left: 10pt; text-align: left; width: 62pt">(d)&#160;&#160;Exhibits</td>
    <td style="text-align: justify; padding-left: 10pt">The following exhibit index lists the exhibits that are either filed or furnished with the Current Report
    on Form 8-K.</td></tr>
  </table>

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<p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><b>EXHIBIT INDEX</b></p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <tr style="vertical-align: top">
    <td style="width: 62pt"><span style="text-decoration: underline">Exhibit No.</span></td>
    <td style="text-align: justify"><span style="text-decoration: underline">Description</span></td></tr>
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td style="text-align: justify; padding-left: 10pt">&#160;</td></tr>

<tr style="vertical-align: top">
    <td style="padding-bottom: 3pt; padding-left: 10pt"><a href="sfst4282901-ex101.htm" style="-sec-extract: exhibit">10.1</a></td>
    <td style="text-align: justify; padding-left: 10pt; padding-bottom: 3pt"><a href="sfst4282901-ex101.htm" style="-sec-extract: exhibit">Loan Agreement, dated as of December 28, 2023, by and between Southern First Bancshares, Inc. and TIB, National
    Association.</a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 3pt; padding-left: 10pt"><a href="sfst4282901-ex102.htm" style="-sec-extract: exhibit">10.2</a></td>
    <td style="text-align: justify; padding-left: 10pt; padding-bottom: 3pt"><a href="sfst4282901-ex102.htm" style="-sec-extract: exhibit">Promissory Note, dated as of December 28, 2023, by and between Southern First Bancshares, Inc. and TIB, National Association.</a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 3pt; padding-left: 10pt"><a href="sfst4282901-ex103.htm" style="-sec-extract: exhibit">10.3</a></td>
    <td style="text-align: justify; padding-left: 10pt; padding-bottom: 3pt"><a href="sfst4282901-ex103.htm" style="-sec-extract: exhibit">Pledge Agreement, dated as of December 28, 2023, by and between Southern First Bancshares, Inc. and TIB, National Association.</a></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 3pt; padding-left: 10pt">104</td>
    <td style="text-align: justify; padding-left: 10pt; padding-bottom: 3pt">Cover Page Interactive Data File (embedded within the Inline XBRL document).</td></tr>
  </table>

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<p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><b>SIGNATURES</b></p>

<p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>

<table cellspacing="0" cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%">
  <tr style="vertical-align: top">
    <td>&#160;</td>
    <td colspan="2"><b>SOUTHERN FIRST BANCSHARES, INC.</b></td></tr>

<tr style="vertical-align: top">
    <td style="width: 50%">&#160;</td>
    <td style="width: 3%">&#160;</td>
    <td style="width: 47%">&#160;</td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td>&#160;</td>
    <td>&#160;</td>
    <td>&#160;</td></tr>
<tr style="vertical-align: top">
    <td style="padding-bottom: 2pt">&#160;</td>
    <td>By:</td>
    <td style="padding-bottom: 2pt"><span style="text-decoration: underline">/s/ D. Andrew Borrmann</span></td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 2pt">&#160;</td>
    <td colspan="2"><b>Name:</b>&#160;&#160;&#160; D. Andrew Borrmann</td></tr>
  <tr style="vertical-align: top">
    <td style="padding-bottom: 2pt">&#160;</td>
    <td colspan="2"><b>Title:</b> &#160;&#160;&#160;&#160;&#160;Chief Financial Officer</td></tr>
  </table>
<p style="font: 10pt Arial, Helvetica, Sans-Serif">January 3, 2024</p>

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<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>sfst4282901-ex101.htm
<DESCRIPTION>LOAN AGREEMENT
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-style: normal; font-weight: 400; text-transform: none">Exhibit 10.1</FONT></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B><U>LOAN AGREEMENT</U></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">The undersigned, Southern First
Bancshares, Inc., a South Carolina corporation (the &ldquo;<B><U>Borrower</U></B>&rdquo;), with its mailing address located at the address
set forth on the signature pages hereof, has requested that TIB, National Association (the &ldquo;<B><U>Lender</U></B>&rdquo;) extend
a loan (the &ldquo;<B><U>Loan</U></B>&rdquo;) to Borrower to be evidenced by Borrower&rsquo;s promissory note dated of even date herewith,
in the maximum stated principal sum of $15,000,000.00, payable to the order of Lender as therein specified (together with all renewals,
extensions and rearrangements thereof, the &ldquo;<B><U>Note</U></B>&rdquo;). In consideration of Lender making the Loan, and for other
good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Borrower agrees with Lender as follows:</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">1.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Definitions</U>.
Capitalized terms as used in this Loan Agreement (the &ldquo;<B>Agreement&rdquo;</B>) and not otherwise defined herein shall have
the meanings as contained on the attached <B><U>Schedule A</U></B>.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">2.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Repayment
of Loan</U>. Borrower shall repay the Loan, plus accrued interest thereon, as provided in the Note.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">3.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Collateral</U>.
To secure full and complete payment and performance of the Obligations, Borrower shall execute and deliver or cause to be executed and
delivered the documents described below covering the collateral described in this Section (which, together with any other property and
collateral which may now or hereafter secure the Obligations or any part thereof, is sometimes herein called the &ldquo;<B><U>Collateral</U></B>&rdquo;):</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(a)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
shall grant to Lender a first priority security interest in all of the capital common stock of the Bank, now owned or hereafter acquired
by Borrower, and all products and proceeds thereof (the &ldquo;<B><U>Pledged Stock</U></B>&rdquo;), pursuant to the Pledge Agreement.
Lender shall be delivered and retain possession of the original certificate or certificates representing the Pledged Stock, together with
stock powers duly executed in blank by Borrower.</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(b)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
consents to the filing of any Uniform Commercial Code financing statements Lender deems necessary or desirable to evidence and perfect
its liens and security interests in the Collateral.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">4.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 54pt; margin-top: -11pt; margin-right: 0pt">A.&nbsp;&nbsp;&nbsp;<U>Conditions Precedent</U>. The obligation of Lender to make the Loan (or initial advance thereof, if applicable) is subject to the condition
precedent that Lender shall have received all of the following, each dated (unless otherwise indicated) the date hereof, in form and substance
satisfactory to Lender:</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(a)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>Note</U>.
The Note executed by Borrower.</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(b)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>Pledge
Agreement</U>. The Pledge Agreement executed by Borrower and Grantor.</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(c)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>Pledged
Stock</U>. The original certificate(s) representing the Pledged Stock, accompanied by stock powers duly executed in blank by Borrower
and Grantor.</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(d)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>Additional
Information</U>. Such additional documents, instruments, and information as Lender or its legal counsel may reasonably request, including
any information listed in any Schedules attached hereto.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 54pt; margin-top: -11pt; margin-right: 0pt">B.&nbsp;&nbsp;&nbsp;<U>Conditions Precedent to All
Advances</U>. To the extent the Loan includes advances which may be made after the Closing Date, the obligation of the Lender to thereafter
make any advance under the Loan is subject to the following additional conditions precedent:</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(a)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>Advance
Request Form</U>. Lender shall have received an advance request form in a form satisfactory to Lender, dated the date of such requested
advance, executed by an authorized officer of the Borrower;</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(b)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>No
Default</U>. No Event of Default, and no event which with the giving of notice or lapse of time or both would be an Event of Default,
shall have occurred and be continuing, or would result from such advance;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Page 1</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>



<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%">&nbsp;</TD><TD STYLE="width: 33%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%">&nbsp;</TD><TD STYLE="text-align: right; width: 33%"></TD></TR></TABLE></DIV>
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<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(c)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>Representations
and Warranties</U>. All of the representations and warranties contained in the Loan Documents shall be true and correct on and as of the
date of such advance with the same force and effect as if such representations and warranties had been made on and as of such date;</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(d)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>No
Material Adverse Change</U>. No material adverse change in the business, condition (financial or otherwise), operations, performance,
properties or prospects of the Borrower or any of its Subsidiaries shall have occurred since the date of the most recent financial statements
of Borrower and Bank delivered to Lender;</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(e)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>Additional
Documentation</U>. Lender shall have received such additional approvals or documents as the Lender or its legal counsel may reasonably
request;</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(f)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Omitted;
and</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(g)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><U>Timeline</U>.
No advances shall be made after any Conversion Date, as defined in the Note,</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif">if applicable.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">5.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Representations and Warranties</U>.&nbsp;To induce
Lender to enter into this Agreement, Borrower represents and warrants to Lender that:</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(a)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
(i) is a corporation duly organized, validly existing, and in good standing under the laws of South Carolina; (ii) has all requisite corporate
power to own assets and carry on its business as now being or as proposed to be conducted; and (iii) is qualified to do business in all
jurisdictions in which the nature of its business makes such qualifications necessary and where failure to so qualify would have a material
adverse effect on its business, financial condition, or operations. The Bank is a state banking association duly organized, validly existing
and in good standing under the applicable laws of the United States and the State of South Carolina.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(b)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">The
execution, delivery and performance by Borrower of this Agreement, the Note and other Loan Documents have been duly authorized by all
necessary action of Borrower and are not in contravention of any law, rule or regulation or of the terms of any agreement or instrument
to which Borrower is a party or by which it may be bound or of Borrower&rsquo;s certificate of formation/articles of incorporation or
bylaws.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(c)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">This
Agreement, the Note and the other Loan Documents, when delivered, shall constitute the legal, valid and binding obligation of Borrower
enforceable against Borrower in accordance with their respective terms, except as limited by bankruptcy, insolvency, or other laws of
general application relating to the enforcement of creditors&rsquo; rights.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(d)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">No
litigation or governmental proceeding is pending, or to the knowledge of Borrower, threatened against or affecting Borrower or Bank, which
may result in any material adverse change in Borrower&rsquo;s or Bank&rsquo;s business, properties or operations.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(e)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Unless
described on <B><U>Schedule B</U></B> attached hereto, (1) Borrower has no Debt except Debt to Lender and (2) none of Borrower&rsquo;s
or Bank&rsquo;s assets are subject to any Lien except Liens to Lender.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(f)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
has the unrestricted right to pledge the Collateral as contemplated by the Loan Documents. There are no existing subscriptions, options,
warrants, calls, or rights (including preemptive rights) to acquire, and no existing Debt, securities or other instruments convertible
into or exchangeable for capital stock of the Bank.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(g)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">No
certificate or statement (including without limitation financial statements) herewith or heretofore delivered by Borrower to Lender in
connection therewith, or in connection with any transaction contemplated hereby, contains any untrue statement of a material fact or fails
to state any material fact necessary to keep the statements contained therein from being misleading and there has been no material adverse
change in Borrower&rsquo;s or Bank&rsquo;s financial condition and operations subsequent to the date of the most recent financial statements
of Borrower and Bank delivered to Lender.</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Page 2</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>

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    <!-- Field: /Page -->

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">6.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Affirmative
Covenants</U>. Borrower covenants and agrees that, as long as the Obligations or any part thereof are outstanding or Lender has any commitment
hereunder, Borrower will observe and perform the following affirmative covenants, unless Lender shall otherwise consent in writing:</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(a)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will furnish to Lender as soon as available, and in any event within one hundred twenty (120) days after the end of each fiscal year of
Borrower, a copy of the annual audit report of Borrower and Bank for such fiscal year containing, on a consolidated and unconsolidated
basis, balance sheets, statements of income, statements of changes in financial position and cash flows as at the end of such fiscal year
and for the 12-month period then ended, in each case setting forth in comparative form the figures for the preceding fiscal year, all
in reasonable detail and audited and certified by independent certified public accountants of recognized standing reasonably acceptable
to Lender, to the effect that such report has been prepared in accordance with GAAP.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(b)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">To
the extent that Lender is unable to readily obtain online, within ten (10) days of Lender&rsquo;s written request, Borrower will deliver
to Lender copies of financial reports of Borrower for such period, prepared in conformity with GAAP, and which fairly and accurately states
Borrower&rsquo;s financial condition at such time (including all assets, liabilities, contingent liabilities, and cash flow); such financial
reports shall include without limitation a copy of Borrower&rsquo;s most recent Federal Reserve Form Y-9SP or Form Y-9LP, Federal Reserve
Form Y-6, as well as any Federal Reserve Form Y-10 if applicable. In addition, to the extent that Lender is unable to readily obtain online,
within ten (10) days of Lender&rsquo;s written request, Borrower will deliver to Lender copies of all Call Reports as filed with the Federal
Financial Institutions Examination Council as well as copies of the Uniform Bank Performance Report for Bank prepared by the Federal Financial
Institutions Examination Council or any successor entity.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(c)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">As
soon as available, and in any event within thirty (30) days after the end of each calendar quarter, Borrower shall furnish to Lender a
Watch List or other report identifying the Classified Assets and Criticized Assets of Bank.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(d)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Upon
Lender&rsquo;s request, but not more frequently than once per calendar quarter, Borrower shall deliver or cause to be delivered to Lender
the directors&rsquo; report from any meetings during the calendar quarter ending prior to such request.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(e)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Promptly,
and in any event, prior to January 31st of each and every year during the term of the Loan (including renewals, modifications, and/or
extensions thereof), Borrower shall and shall cause Bank to deliver to Lender its fiscal budget for the forthcoming year.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(f)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will cause Bank to maintain at all times a liquidity position determined by the ratio of total deposits to total loans which is in accordance
with the guidelines recommended by applicable federal bank regulatory authorities and is deemed satisfactory at each regulatory examination
of Bank.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(g)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will preserve and maintain its present existence and good standing in jurisdictions where Borrower is organized and operates. Borrower
will continue its business or activities as presently conducted by obtaining licenses, permits and bonds where needed. Borrower will obtain
Lender&rsquo;s prior written consent before ceasing business or engaging in any line of business that is materially different from its
present business.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(h)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will promptly inform Lender of any litigation against Borrower or Bank or affecting any of Borrower&rsquo;s or Bank&rsquo;s property,
if such litigation or potential litigation that would reasonably be expected to, in the event of an unfavorable outcome, have a material
adverse effect on Borrower&rsquo;s or Bank&rsquo;s financial condition or that would reasonably be expected to cause an Event of Default.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(i)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will notify Lender within ten (10) days of Borrower&rsquo;s discovery of the occurrence of an Event of Default or event which with the
giving of notice or lapse of time or both would constitute an Event of Default.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(j)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">If,
at any time Lender in its sole but reasonable discretion believes that it is advisable that the loan portfolio of Bank should be
reviewed during any year during the term of the Loan, Borrower will provide or cause to be provided to Lender a third party loan
review of Bank&rsquo;s loan portfolio conducted by an independent third </P>
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  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Page 3</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">party acceptable to Lender, such review to begin within
ninety (90) days after Lender&rsquo;s written request therefor. Borrower shall provide such reviews annually if Bank is the subject
of any regulatory action.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(k)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will promptly furnish to Lender written notice of (i) the issuance of any notice of charges, cease and desist order (temporary or otherwise)
or order to take affirmative action by any governmental or regulatory authority against Borrower or Bank or any director, officer, employee,
agent, or other person participating in the conduct of the affairs of Borrower or Bank, (ii) the service of any notice of intention to
remove from office or notice of intention to suspend from office by any governmental or regulatory authority upon any director or officer
of Borrower or Bank, (iii) the issuance of a notice of termination of the status of Bank as an insured bank under the Federal Deposit
Insurance Corporation Act, as amended, or (iv) the commencement of any action, issuance of any order, or the occurrence of any other event
between any governmental or regulatory authority the result of which would prohibit, limit or otherwise in any manner restrict the payment
of dividends or flow of monies or benefits from Bank; provided however, Borrower shall not be required to furnish written notice of the
foregoing actions if such notification would violate the confidentiality rights associated with such action.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(l)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
shall maintain, and cause Bank to maintain, insurance of the kinds, covering the risks and in the relative proportionate amounts carried
by Bank consistent with past practices, and at Lender&rsquo;s request, deliver to Lender evidence of the maintenance of such insurance.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(m)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will promptly furnish to Lender, at Lender&rsquo;s request and within Lender&rsquo;s sole discretion, such additional financial or other
information concerning the assets, liabilities, operations and transactions of Borrower, and/or Bank as Lender may from time to time request.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">7.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Negative
Covenants</U>. Borrower covenants and agrees that, as long as the Obligations or any part thereof are outstanding or Lender has any commitment
hereunder, Borrower will perform and observe the following negative covenants as noted applicable to this transaction unless Lender shall
otherwise consent in writing:</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(a)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will not permit:</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(1)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">&thorn;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Classified Assets to at any time exceed thirty-five percent (35.00%) of the Tier 1 Capital plus allowance for loan and lease losses of
Bank;</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(2)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">&thorn;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Leverage Ratio to at any time be less than eight percent (8.00%), if elected to be reported in the most recent Call Report filed by Bank;
or Bank&rsquo;s Community Bank Leverage Ratio to at any time be less than nine percent (9.00%), if elected to be reported in the most
recent Call Report filed by Bank; and</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(3)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Common Equity Tier 1 Ratio to at any time be less than_N/A__percent (_N/A_%);</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(4)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Tier 1 Capital Ratio to at any time be less than_N/A__percent (_N/A_%);</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(5)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Total Capital Ratio to at any time be less than_N/A_percent (_N/A_%);</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(6)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">&thorn;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Tier 1 Capital to at any time be less than $300,000,000.00;</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(7)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">&thorn;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Return on Average Assets to be less than one-quarter of one percent (0.25%) at any fiscal quarter end;</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(8)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Its
Debt Service Coverage Ratio to be less than _N/A_ times, measured _N/A_upon receipt of and based upon financial information delivered
in accordance with <U>Section 6</U>;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Page 4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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    <!-- Field: /Page -->


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(9)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;The
ratio of Bank&rsquo;s Total Loans to Total Assets to at any time be greater than <U>_</U>N/A<U>_</U>percent (<U>_</U>N/A<U>_</U>%);</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(10)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;The
ratio of Bank&rsquo;s Total Loans to Total Deposits to at any time be greater than <U>_</U>N/A<U>_</U>percent (<U>_</U>N/A<U>_</U>%)</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(11)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Total Reported Loans for Construction, Land Development, and other Land Loans to exceed_N/A<U>_</U>% of Bank&rsquo;s Total Risk Based
Capital;</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(12)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Total Reported Commercial Real Estate Loans to at any time exceed_N/A<U>_</U>% of Bank&rsquo;s Total Risk Based Capital;</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(13)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
aggregate capital expenditures to exceed $ N/A during any calendar year during the term hereof; and</P>


<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 36pt; margin-right: 0pt; margin-left: 108pt">(14)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 144pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">&thorn;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;Bank&rsquo;s
Texas Ratio to at any time be greater than twenty-five percent (25.00%).</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(b)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will not permit any Person to acquire Control of Borrower (for purposes hereof, &ldquo;Control&rdquo; shall mean as set forth in 12 CFR
&sect;303.81(c), as further interpreted by the Federal Reserve under the Change in Bank Control Act, but shall provide prompt notice to
Lender of any change in Control resulting in any new Person controlling more than ten percent (10%) of any voting stock of Borrower..</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(c)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will not and will not permit Bank to sell, lease, or otherwise dispose of any of its assets used or useful in its business, except in
the regular course of business for reasonably equivalent cash consideration.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(d)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will not incur, create, assume, or permit to exist any Lien upon any of its property, assets or revenues, whether now owned or hereafter
acquired, except Liens in favor of Lender (provided, however, that the foregoing shall not apply to Liens for taxes which are not delinquent
or which are being contested in good faith [with bond or other security reasonably acceptable to Lender if Lender so requires], mechanic&rsquo;s
and materialmen&rsquo;s Liens with respect to obligations which are not overdue or which are being contested in good faith, and Liens
resulting from deposits to secure the payments of workers&rsquo; compensation or other social security or to secure the performance of
bids or contracts in the ordinary course of business).</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(e)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">During
the existence of an Event of Default, or if doing so would cause an Event of Default (or an event which, with the giving of notice, or
passage of time, or both, would be an Event of Default), Borrower will not declare or pay any dividends or make any other payment or distribution
(in cash, property, or obligations) on account of its capital stock, or redeem, purchase, retire or otherwise acquire any of its capital
stock, or set apart any money for a sinking or other analogous fund for any dividend or other distribution on its capital stock or for
any redemption, purchase, retirement, or other acquisition of any of its capital stock, or grant or issue any capital stock or any warrant,
right or option pertaining to its capital stock, or issue any security convertible into capital stock, or permit any of its Subsidiaries
to grant or issue any capital stock or any warrant, right or operation pertaining to its capital stock or purchase any capital stock of
Borrower or another Subsidiary.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(f)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
will not permit the incurrence, creation, assumption, or existence of Debt of Borrower aggregating over $500,000.00 outstanding at any
time, except Debt to Lender or Debt subordinate to Debt to Lender and as may be shown on <U>Schedule B</U>.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">8.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Event
of Default</U>. Without in any way impairing the demand nature of the Note, each of the following shall be deemed an &ldquo;Event of Default&rdquo;:</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(a)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
shall fail to pay when due any monetary Obligations.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(b)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">A
cease and desist order shall be issued or shall be drafted or recommended against the Bank by any regulatory authority.</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Page 5</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>

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    <!-- Field: /Page -->

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(c)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower,
Bank, or any Obligated Party shall commence a voluntary proceeding seeking liquidation, reorganization, or other relief with respect to
itself or its debts under any bankruptcy, insolvency, receivership, conservatorship, or other similar law now or hereafter in effect or
seeking the appointment of a trustee, receiver, liquidator, custodian, conservator, or other similar official of it or a substantial part
of its property or shall consent to any such relief or to the appointment of or taking possession by any such official in such a proceeding
commenced against it or shall make a general assignment for the benefit of creditors or shall generally fail to pay its debts as they
become due or shall take any corporate action to authorize any of the foregoing or shall be subject to any proceeding to accomplish a
comparable arrangement.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(d)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">An
involuntary proceeding shall be commenced against the Borrower, Bank, or any Obligated Party seeking liquidation, reorganization, or other
relief with respect to it or its debts under any bankruptcy, insolvency, receivership, conservatorship, or other similar law now or hereafter
in effect or seeking the appointment of a trustee, receiver, liquidator, custodian, conservator, or other similar official for it or a
substantial part of its property, and such involuntary proceeding shall remain undismissed and unstayed for a period of thirty (30) days.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(e)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower,
Bank or any Obligated Party shall fail to pay when due any principal or interest on any Debt (other than the Obligations), or the maturity
of any such Debt shall have been accelerated, or any such Debt shall have been required to be prepaid prior to the stated maturity thereof,
or any event shall have occurred and be continuing that, with the giving of notice or lapse of time or both, would permit any holder or
holders of such Debt or any Person acting on behalf of such holder or holders to accelerate the maturity thereof or require any such prepayment.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(f)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">This
Agreement or any other Loan Document shall cease to be in full force and effect or shall be declared null and void or the validity or
enforceability thereof shall be contested or challenged by Borrower or any of Borrower&rsquo;s shareholders, or Borrower shall deny that
it has any further liability or obligation under any of the Loan Documents.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(g)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower
shall fail, at any time, to own and have pledged to Lender at least % of the issued and outstanding shares of capital stock of Bank, or
such security interest in favor of Lender shall at any time fail to be a first priority perfected lien and security interest.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(h)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Any
representation or warranty made or deemed made by the Borrower, Bank or any Obligated Party in any Loan Document or in any certificate,
report, notice or financial statement furnished at any time in connection with this Agreement shall be false, misleading, or erroneous
in any material respect when made or deemed to have been made.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(i)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt">Borrower,
Bank or any Obligated Party shall fail to perform, observe, or comply with any other covenant, agreement or term contained in this Agreement
or any other Loan Document and such failure continues for fifteen (15) days after written notice of such failure to Borrower.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">9.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Rights
of Lender</U>. Upon the occurrence of an Event of Default, Lender may without notice terminate its commitment to lend hereunder and declare
the Obligations or any part thereof to be immediately due and payable, and the same shall thereupon become immediately due and payable,
without demand, presentment, notice of dishonor, notice of acceleration, notice of intent to accelerate, notice of intent to demand, or
protest, all of which are hereby expressly waived; provided, however, that upon the occurrence of an Event of Default under <U>Section
8(c)</U> or <U>Section 8(d)</U>, the commitment of Lender to lend hereunder shall automatically terminate, and the Obligations shall become
immediately due and payable without notice, demand, presentment, notice of dishonor, notice of acceleration, notice of intent to accelerate,
notice of intent to demand, or protest, all of which are hereby expressly waived. Upon the occurrence of any Event of Default, Lender
may exercise all rights and remedies available to it in law, or in equity, under the Loan Documents, or otherwise.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">10.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Applicable
Law</U>. This Agreement and all other documents and instruments executed pursuant hereto or in connection herewith and the transactions
contemplated hereby are made and performable in Dallas County, Texas and shall be governed by and construed in accordance with the laws
of the State of Texas and the applicable laws of the United States of America.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Page 6</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">11.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Severability</U>.
The unenforceability of any provision of this Agreement shall not affect the enforceability or validity of any other provision hereof.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">12.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Counterparts</U>.
This Agreement may be executed in any number of counterparts and by different parties hereto on separate counterparts, each of which when
so executed shall be deemed to be an original and all of which when taken together shall constitute but one and the same instrument. Delivery
of an executed counterpart by fax or pdf shall be effective as delivery of an original signature.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">13.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Miscellaneous</U>.
No modification, consent, amendment or waiver of any provision of this Agreement, nor consent to any departure by Borrower therefrom,
shall be effective unless the same shall be in writing and signed by an officer of Lender, and then shall be effective only in the specific
instance and for the purpose for which given. No notice to or demand on Borrower in any case shall entitle Borrower to any other or further
notice or demand in similar or other circumstances. No delay or omission by Lender in exercising any power or right hereunder shall impair
any such right or power or be construed as a waiver thereof or any acquiescence therein, nor shall any single or partial exercise of any
such power preclude other or further exercise thereof, or the exercise of any other right or power hereunder. All rights and remedies
of Lender hereunder are cumulative of each other and of every other right or remedy which Lender may otherwise have at law or in equity
or under any other contract or document, and the exercise of one or more rights or remedies shall not prejudice or impair the concurrent
or subsequent exercise or other rights or remedies. All accounting terms not specifically defined herein shall be construed in accordance
with GAAP on the basis used by Borrower in prior years. This Agreement is binding upon Borrower, its successors and assigns, and inures
to the benefit of Lender, its successors and assigns; provided, however, that Borrower may not assign its rights or obligations hereunder
without Lender&rsquo;s prior written consent.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">14.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Expenses
of Lender</U>. Borrower agrees to pay, on demand, all reasonable costs and expenses incurred by Lender in connection with the preparation,
negotiation, execution and administration of this Agreement and the other Loan Documents and the transactions contemplated hereby, including
reasonable costs and expenses incurred by Lender in connection with any and all amendments, modifications, supplements to, and ongoing
administration of this Agreement and the other Loan Documents, including without limitation the reasonable costs and fees of Lender&rsquo;s
legal counsel, and all costs and expenses incurred by Lender in connection with the enforcement or preservation of any rights under this
Agreement or any other Loan Document.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">15.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Fees</U>.
Borrower agrees to pay to Lender a <B>Non-Usage Fee (herein so called) on the Maturity Date (as defined in the Note), which Non-usage
Fee will be $37,500.00 less the interest accrued under the Note on or prior to the Maturity Date</B></P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">16.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>INDEMNIFICATION</U>.
EXCEPT FOR LENDER&rsquo;S GROSS NEGLIGENCE OR WILFUL MISCONDUCT, BORROWER HEREBY INDEMNIFIES LENDER AND EACH AFFILIATE THEREOF AND THEIR
RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, ATTORNEYS, AND AGENTS FROM, AND HOLDS EACH OF THEM HARMLESS AGAINST, ANY AND ALL LOSSES, LIABILITIES,
CLAIMS, DAMAGES, PENALTIES, JUDGMENTS, COSTS, AND EXPENSES (INCLUDING ATTORNEYS&rsquo; FEES) TO WHICH ANY OF THEM MAY BECOME SUBJECT WHICH
DIRECTLY OR INDIRECTLY ARISE FROM OR RELATE TO (i) THE NEGOTIATION, EXECUTION, DELIVERY, PERFORMANCE, ADMINISTRATION, OR ENFORCEMENT OF
ANY OF THE LOAN DOCUMENTS, (ii) ANY OF THE TRANSACTIONS CONTEMPLATED BY THE LOAN DOCUMENTS, (iii) ANY BREACH BY BORROWER OF ANY REPRESENTATION,
WARRANTY, COVENANT, OR OTHER AGREEMENT CONTAINED IN ANY OF THE LOAN DOCUMENTS, OR (iv) ANY INVESTIGATION, LITIGATION, OR OTHER PROCEEDING,
INCLUDING, WITHOUT LIMITATION, ANY THREATENED INVESTIGATION, LITIGATION, OR OTHER</P>

<P STYLE="margin-top: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">PROCEEDING RELATING TO ANY OF THE FOREGOING. Without
limiting any provision of this Agreement or of any other Loan Document, it is the express intention of the parties hereto that each person
to be indemnified under this Section shall be indemnified from and held harmless against any and all losses, liabilities, claims, damages,
penalties, judgments, costs, and expenses (including attorneys&rsquo; fees) arising out of or resulting from the sole or contributory
negligence of the person to be indemnified.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">17.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Limitation
of Liability</U>. Neither Lender nor any affiliate, officer, director, employee, attorney, or agent of Lender shall have any liability
with respect to, and Borrower hereby waives, releases, and agrees not to sue</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Page 7</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">any of them upon, any claim for any special, indirect,
incidental, or consequential damages suffered or incurred by Borrower in connection with, arising out of, or in any way related to, this
Agreement or any of the other Loan Documents, or any of the transactions contemplated by this Agreement or any of the other Loan Documents.
Borrower hereby waives, releases, and agrees not to sue Lender or any of Lender&rsquo;s affiliates, officers, directors, employees, attorneys,
or agents for punitive damages in respect of any claim in connection with, arising out of, or in any way related to, this Agreement or
any of the other Loan Documents, or any of the transactions contemplated by this Agreement or any of the other Loan Documents.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">18.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Participations</U>.
Lender shall have the right at any time and from time to time to grant participations in the Note and any other Loan Documents. Each participant
shall be entitled to receive all information received by Lender regarding the creditworthiness of Borrower, including without limitation,
information required to be disclosed to a participant to Banking Circular 181 (Rev. August 2, 1984), issued by the Comptroller of the
Currency (whether the participant is subject to the circular or not).</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">19.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Notices</U>.
All notices and other communications provided for in this Agreement and the other Loan Documents to which Borrower is a party shall be
given or made in writing and mailed by certified mail return receipt requested, or delivered by hand or nationally recognized overnight
delivery service to the intended recipient at the &ldquo;Address for Notices&rdquo; specified below its name on the signature pages hereof;
or, as to any party at such other address as shall be designated by such party in a notice to the other party given in accordance with
this Section. Except as otherwise provided in this Agreement, all such communications shall be deemed to have been duly given when personally
delivered or, in the case of a notice transmitted by mail or overnight delivery service, when duly deposited in the mails or the day following
delivery to such service, in each case given or addressed as aforesaid.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">20.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Entire
Agreement</U>. THIS AGREEMENT, THE NOTE, AND THE OTHER LOAN DOCUMENTS REFERRED TO HEREIN EMBODY THE FINAL, ENTIRE AGREEMENT AMONG THE
PARTIES HERETO AND SUPERSEDE ANY AND ALL PRIOR COMMITMENTS, AGREEMENTS, REPRESENTATIONS, AND UNDERSTANDINGS, WHETHER WRITTEN OR ORAL,
RELATING TO THE SUBJECT MATTER HEREOF AND MAY NOT BE CONTRADICTED OR VARIED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL
AGREEMENTS OR DISCUSSIONS OF THE PARTIES HERETO. THERE ARE NO ORAL AGREEMENTS AMONG THE PARTIES HERETO. The provisions of this</P>

<P STYLE="margin-top: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Agreement and the other Loan Documents to which Borrower
is a party may be amended or waived only by an instrument in writing signed by the parties hereto. The terms of this Agreement shall control
to the extent of any direct conflict with the terms of the other Loan Documents; however, the parties acknowledge and agree that the other
Loan Documents contain terms supplemental to the terms of this Agreement.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">21.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>WAIVER
OF JURY TRIAL</U>. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BORROWER HEREBY IRREVOCABLY AND EXPRESSLY WAIVES ALL RIGHT TO A
TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM (WHETHER BASED UPON CONTRACT, TORT, OR OTHERWISE) ARISING OUT OF OR RELATING
TO ANY OF THE LOAN DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED THEREBY OR THE ACTIONS OF LENDER IN THE NEGOTIATION, ADMINISTRATION, OR
ENFORCEMENT THEREOF.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">22.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>USA
Patriot Act Notice</U>. Lender hereby notifies Borrower that pursuant to the requirements of the USA Patriot Act (Title III of Pub.L.
107-56 (signed into law October 26, 2001)) (the &ldquo;<B><U>Act</U></B>&rdquo;), it is required to obtain, verify and record information
that identifies Borrower, which information includes the name and address of Borrower and other information that will allow such Lender
to identify Borrower in accordance with the Act.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 36pt">23.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt; margin-top: -11pt; margin-right: 0pt"><U>Special
Provisions</U>. The following schedules, if checked and attached hereto, are hereby incorporated herein for all purposes:</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(a)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<U>Schedule
1</U>: Key Man Life Insurance;</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(b)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<U>Schedule
2</U>: Guarantor(s);</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(c)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">&thorn;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<U>Schedule
3</U>: Hybrid Liquidity Ratio;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Page 8</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>

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<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 72pt">(d)</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 108pt; margin-top: -11pt; margin-right: 0pt"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;<U>Schedule
4</U>: Other: _____________________________.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt">Executed to be effective as of December 28, 2023.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">[Balance of Page Intentionally Left Blank]</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Page 9</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Very truly yours,</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Southern First Bancshares, Inc.,<BR> a South Carolina corporation</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 23%">/s/ D. Andrew Borrmann</TD>
    <TD STYLE="padding-bottom: 1pt; width: 22%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">D. Andrew Borrmann, Chief Financial</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Officer</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><U>Address for Notices</U>:</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><U>Southern First Bank 6<BR> Verdae Boulevard</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><U>Greenville, South Carolina 29607</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Telephone:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>864-679-9000</U></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Attention: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <U>D. Andrew Borrmann, CFO</U></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif">Accepted and Agreed to:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif">TIB, NATIONAL ASSOCIATION</P>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 40%"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/ B. Windol Cook</FONT></TD>
    <TD STYLE="width: 55%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">B. Windol Cook, Senior Vice President Address </FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif">for Notices:</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">11701 Luna Road</P>

<P STYLE="margin-top: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; margin-bottom: 0pt">Farmers Branch, TX 75234</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 72pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Telephone:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">972-444-3653</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Attention:</FONT></TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">Katie Lawton</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  </TABLE>

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  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Signature Page</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 10</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center; text-indent: 0.1pt"><U>SCHEDULE A</U></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center; text-indent: 0.1pt">DEFINITIONS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">The terms defined herein shall have the following meanings
for the purpose of this Agreement, and the singular shall include the plural, and vice versa, unless otherwise specifically required by
the context:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Average Assets</U></B>&rdquo; means a
year-to-date average of the average assets reported in the Report of Condition Schedule RC-</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">K. Thus for the &filig;rst quarter of the year the
average assets from Call Schedule RC-K quarter will appear, while at the end- of-year, assets for all four quarters would be averaged.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Bank</U></B>&rdquo; means Southern First
Bank a South Carolina state bank.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Book Value</U></B>&rdquo; means, at any
time for any share of common stock of Bank, Bank&rsquo;s Equity Capital divided by the total number of shares of common stock of Bank
outstanding at such time.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Business Day</U></B>&rdquo; means any
day on which commercial banks are not authorized or required to close in Farmers Branch, Dallas County, Texas.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Call Report</U></B>&rdquo; means Reports
of Condition and Reports of Income of Bank as filed with the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Cash Flow</U></B>&rdquo; means, the summation
of all net income after taxes, defined as the consolidated net income of the bank holding company and all of its subsidiaries, plus interest
expense of only the holding company, less Preferred Stock Dividends, less 35% tax distribution on all Sub-S banks or income tax benefit
on all C-Corp banks on an annualized basis.</P>

<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 2.5pt">&ldquo;<B><U>Classified Assets</U></B>&rdquo; means,
at any particular time, all assets of Bank classified as &ldquo;Loss,&rdquo; &ldquo;Doubtful,&rdquo; or &ldquo;Substandard&rdquo; or in
any equivalent category by Bank or any governmental or regulatory authority.</P>

<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">&ldquo;<B><U>Closing Date</U></B>&rdquo; means December, 28, 2023.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif">&ldquo;<B><U>Collateral</U></B>&rdquo; has the meaning specified in <U>Section
3</U>.</P>

<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">&ldquo;<B><U>Common Equity Tier 1 Capital Ratio</U></B>&rdquo; means, at
any particular time, the ratio of Common Equity Tier 1 Capital to Risk-Weighted Assets of the Bank determined in accordance with the Call
Report Instructions.</P>

<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">&ldquo;<B><U>Community Bank Leverage Ratio</U></B>&rdquo; has the meaning
given by the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit
Insurance Corporation.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Criticized Assets</U></B>&rdquo; means,
at any particular time, all assets of the Bank classified as &ldquo;Loss,&rdquo; &ldquo;Doubtful,&rdquo; &ldquo;Substandard,&rdquo; or
&ldquo;other Assets Especially Mentioned,&rdquo; or in any equivalent category by the Bank or any governmental or regulatory authority.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Current Maturities of Long-Term Debt</U></B>&rdquo;
means interest expense and principal payments (if applicable) on Borrower&rsquo;s debt with Lender, plus any principal and interest payments
on Guarantor&rsquo;s personal financial statement and/or credit bureau report (or the long-term debt of any entities for which Guarantor
is advancing such payments), with respect to the indicated time period.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Debt</U></B>&rdquo; means as to any Person at
any time (without duplication): ( i ) all obligations of such Person for borrowed money, (ii) all obligations of such Person
evidenced by bonds, notes, debentures, or other similar instruments, (iii) all obligations of such Person to pay the deferred
purchase price of property or services, except trade accounts payable of such Person arising in the ordinary course of business
which are not past due by more than ninety (90) days unless such trade accounts payable are being contested in good faith by
appropriate proceedings, (iv) all obligations of such Person under any lease</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Schedule A</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 11</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">which, in conformity with GAAP, is required to be capitalized
for balance sheet purposes, (v) all obligations of such Person under guaranties, endorsements (other than for collection or deposit in
the ordinary course of business), assumptions or other contingent obligations, in respect of, or to purchase or otherwise acquire, any
obligation or indebtedness of any other Person, or any other obligation, contingent or otherwise, of such Person directly or indirectly
protecting the holder of any obligation or indebtedness of any other Person against loss (whether by partnership arrangements, agreements
to keep well, to purchase assets, goods, securities, or services, to take or pay or otherwise), (vi) all obligations secured by a Lien
existing on property owned by such Person, whether or not the obligations secured thereby have been assumed by such Person or are non-recourse
to the credit of such Person, (vii) reimbursement obligations of such Person (whether contingent or otherwise) in respect of letters of
credit, bankers&rsquo; acceptances, surety or other bonds and similar instruments, (viii) all liabilities of such Person in respect of
unfunded vested benefits under any employee benefit plan of Borrower or any Subsidiary and (ix) all obligations under interest rate swap
and similar hedging agreements.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Debt Service Coverage Ratio</U></B>&rdquo;
means, the Net Income of Bank less Borrower&rsquo;s expenses and dividends, plus Borrower&rsquo;s interest expense divided by annual debt
service on the Note and any other Debt payments during such time period including, without limitation, any payments on the debt listed
on <U>Schedule B</U> attached hereto.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Equity Capital</U></B>&rdquo; means, at
any particular time, the total equity capital of the Bank determined in accordance with the Instructions (the &ldquo;Call Report Instructions&rdquo;)
to the Call Reports as most recently promulgated by the Federal Financial Institutions Examination Council.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Event of Default</U></B>&rdquo; has the
meaning specified in <U>Section 8</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>GAAP</U></B>&rdquo; means generally accepted
accounting principles, applied on a consistent basis, as set forth in Opinions of the Accounting Principles Board of the American Institute
of Certified Public Accountants and/or in statements of the Financial Accounting Standards Board and/or their respective successors and
which are applicable in the circumstances as of the date in question. Accounting principles are applied on a &ldquo;consistent basis&rdquo;
when the accounting principles observed in a current period are comparable in all material respects to those accounting principles applied
in a preceding period.</P>

<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">&ldquo;<B><U>Grantor</U></B>&rdquo; means ____________________(if not completed, Grantor
shall mean Borrower).</P>

<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">&ldquo;<B><U>Guarantors</U></B>&rdquo; means the Persons identified on <U>Schedule
2</U> as guarantying the Loan, if any.</P>

<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif">&ldquo;<B><U>Key Man Policy</U></B>&rdquo; means the key man life insurance
policy(ies) described on <U>Schedule 1</U>, if applicable.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Leverage Ratio</U></B>&rdquo; means, at
any particular time, the ratio of Tier 1 Capital to Average Assets of the Bank determined in accordance with the Call Report Instructions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Lien</U></B>&rdquo; means any lien, mortgage,
security interest, tax lien, financing statement, pledge, charge, hypothecation, assignment, preference, priority, or other encumbrance
of any kind or nature whatsoever (including, without limitation, any conditional sale or title retention agreement), whether arising by
contract, operation of law, or otherwise.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Loan Documents</U></B>&rdquo; means this
Agreement and all promissory notes, security agreements, pledge agreements, guaranties, and other instruments, documents, and agreements
now or hereafter executed and delivered pursuant to or in connection with this Agreement and any future renewals, extensions, and amendments
hereto or thereto.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Maximum Rate</U></B>&rdquo; means the
maximum rate of nonusurious interest permitted from day to day by applicable law, including as to Chapter 303, Texas Finance Code, as
amended from time to time (and as the same may be incorporated by reference in other Texas statutes), but otherwise without limitation,
that rate based upon the &ldquo;weekly rate ceiling&rdquo; and calculated after taking into account any and all relevant fees, payments,
and other charges in respect of the Loan Documents which are deemed to be interest under applicable law.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><B>&ldquo;<U>Net Income</U>&rdquo; </B>means net income
(loss) attributable to Bank, in accordance with the Call Report Instructions.</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Schedule A</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 12</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Non-Performing Assets</U></B>&rdquo; means
loans on nonaccrual, loans on which the interest rate has been reduced as troubled debt restructurings, loans which have been past due
for ninety (90) days or more, and other real estate and other assets which are owned due to foreclosure or as a result of the exercise
of legal remedies where such real estate or other assets were mortgaged or taken as security for loans.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Obligated Party</U></B>&rdquo; means Grantor,
any Guarantor or other Person who is or becomes party to any agreement that guarantees or secures payment and performance of the Obligations
or any part thereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Obligations</U></B>&rdquo; means all obligations,
indebtedness, and liabilities of Borrower to Lender, now existing or hereafter arising, whether direct, indirect, related, unrelated,
fixed, contingent, liquidated, unliquidated, including, without limitation, the obligations, indebtedness, and liabilities of Borrower
under this Agreement, the Note, and the other Loan Documents, and all interest accruing thereon and all attorneys&rsquo; fees and other
expenses incurred in the enforcement or collection thereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Person</U></B>&rdquo; means any individual,
corporation, business trust, association, company, partnership, joint venture, or other entity.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Pledge Agreement</U></B>&rdquo; means
the Pledge Agreement(s) of Borrower and/or Grantor in favor of Lender of even date herewith, as the same may be amended, supplemented,
or modified.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Pledged Stock</U></B>&rdquo; has the meaning
specified in <U>Section 3(a)</U>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Return on Average Assets</U></B>"
means, for the applicable reporting period, the ratio, expressed as a percentage, of Bank&rsquo;s Net Income year-to-date annualized to
Bank&rsquo;s Average Assets determined at the end of the applicable period being analyzed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 2.5pt">&ldquo;<B><U>Subsidiary</U></B>&rdquo;
means any corporation or bank of which more than fifty percent (50%) of the issued and outstanding securities having ordinary voting power
for the election of a majority of directors is owned or controlled, directly or indirectly, by Borrower, by Borrower and one or more other
Subsidiaries, or by one or more other Subsidiaries.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><B>&ldquo;<U>Tangible Equity Capital</U></B>&rdquo;
means Equity Capital less Goodwill and Other Intangible Assets of the Bank determined in accordance with the Call Report Instructions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Texas Ratio</U></B>&rdquo; means, at any
particular time, the ratio of Bank&rsquo;s Non-Performing Assets to Tangible Equity Capital (plus loan loss reserve if not included therein).</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Tier 1 Capital</U></B>&rdquo; means, at
any particular time, the Tier 1 Capital of the Bank determined in accordance with the Call Report Instructions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 2.5pt">&ldquo;<B><U>Tier 1 Capital Ratio</U></B>&rdquo;
means, at any particular time, the ratio of Tier 1 Capital to Risk-Weighted Assets of the Bank determined in accordance with the Call
Report Instructions</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Total Assets</U></B>&rdquo; means, at
any particular time, all amounts which, in conformity with GAAP, would be included as assets on a balance sheet of Bank determined in
accordance with the Call Report Instructions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Total Capital Ratio</U></B>&rdquo; means,
at any particular time, the ratio of combined Tier 1 Capital and Tier 2 Capital to Risk-Weighted Assets of the Bank determined in accordance
with the Call Report Instructions.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">&ldquo;<B><U>Total Debt Service</U></B>&rdquo; means,
at any particular time, the summation of the contractually obligated amounts due based on the outstanding balance plus any requested advances
on revolving lines of credit, advancing lines of credit and term notes at TIB plus other annual debt service from Trust Preferred subordinated
debt, subordinated debts and all other miscellaneous debt service (to include all lines of credit and term debt with other financial institutions)
on an annualized basis.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Schedule A</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 13</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">Defined terms <I>(i.e., </I>terms delineated with capital
letters) not otherwise defined herein shall be given the meanings commonly ascribed to them by the FFIEC, FDIC, state banking authorities
or other authority, as reasonably determined by Lender.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Schedule A</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 14</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center"><U>SCHEDULE B</U></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center">EXISTING DEBT and LIENS</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">On September 30, 2019, the Company entered into Subordinated
Note Purchase Agreements (collectively, the &ldquo;Purchase Agreement&rdquo;) with certain qualified institutional buyers and accredited
investors (the &ldquo;Purchasers&rdquo;) pursuant to which the Company sold and issued $23.0 million in aggregate principal amount of
its 4.75% Fixed-to-Floating Rate Subordinated Notes due 2029 (the &ldquo;Notes&rdquo;). The Notes were offered and sold by the Company
to eligible purchasers in a private offering in reliance on the exemption from the registration requirements of Section 4(a)(2) of the
Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;) and the provisions of Regulation D promulgated thereunder (the &ldquo;Private
Placement&rdquo;). The Notes have a ten- year term and, from and including the date of issuance to but excluding September 30, 2024, will
bear interest at a fixed annual rate of 4.75%, payable semi-annually in arrears, for the first five years of the term. From and including
September 30, 2024 to but excluding the maturity date or early redemption date, the interest rate shall reset quarterly to an interest
rate per annum equal to a benchmark rate (which is expected to be Three- Month Term SOFR) plus 340.8 basis points, payable quarterly in
arrears.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Schedule B</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 15</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B><U>SCHEDULE 1</U></B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center">KEY MAN LIFE INSURANCE</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Borrower
shall assign or cause to be assigned to Lender as security for the Obligations a Key Man Policy on the life of _______________________________&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
issued by an insurance company acceptable to Lender in the minimum amount of $_____________________, which shall be assigned to Lender
as security for the Obligations and maintained in good standing, by punctual payment of the premiums due thereon. In the event of the
death of the insured, Borrower will give prompt notice thereof to Lender and Lender will have the right, but not the obligation, to collect
and apply all or a portion of the proceeds of the Key Man Policy to the prepayment of the Obligations, together with accrued interest
thereon.</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Schedule 1</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 16</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%">&nbsp;</TD><TD STYLE="text-align: right; width: 33%"></TD></TR></TABLE></DIV>
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<P STYLE="margin-bottom: 0pt; font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center"><U>SCHEDULE 2</U></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center; margin-top: 0pt"> GUARANTOR(S)</P>



<P STYLE="text-align: justify; font: 10pt Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Guarantor shall execute and deliver to Lender a Guaranty
Agreement (collectively, the &ldquo;<B><U>Guaranty Agreements</U></B>&rdquo;) guaranteeing to Lender payment of the Obligations in form
and substance satisfactory to Lender and limited to the respective principal amount set forth below plus all accrued interest, attorney
fees and costs of collection.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 72pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
each individual Person, as soon as available, and in any event within forty-five (45) days after the anniversary date of the previous
financial statement of such Guarantor delivered to Lender, Borrower will cause to be provided to Lender a copy of (i) an unaudited financial
report of each of the Guarantors for the previous twelve (12) months, such report to include such Guarantor&rsquo;s actual cash flow statement
for such year, certified by the appropriate Guarantor, prepared in conformity with sound accounting principles consistently applied, and
which fairly and accurately states each such Guarantor&rsquo;s financial condition (including all assets, liabilities equity, and contingent
liabilities), and (ii) a projected cash flow statement for such Guarantor for the forthcoming year. For each non-individual Person, as
soon as available, and in any event within forty-five (45) days after the fiscal year end of such Guarantor delivered to Lender, Borrower
will cause to be provided to Lender a copy of (iii) an unaudited financial report of each of the Guarantors for the previous twelve (12)
months, such report to include such Guarantor&rsquo;s actual financial information for such year, certified by the appropriate Guarantor,
prepared in conformity with sound accounting principles consistently applied, and which fairly and accurately states each such Guarantor&rsquo;s
financial condition (including all assets, liabilities, equity, and income), and (iv) a projected cash flow statement for such Guarantor
for the forthcoming year.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; padding-top: 3pt; border-top: black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 50%; text-align: center; padding-bottom: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Guarantor</U></FONT></TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 3pt; border-top: black 1pt solid; border-bottom: Black 1pt solid; width: 50%; text-align: center; padding-bottom: 10pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><U>Principal Amount</U></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; padding-top: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 3pt; border-bottom: Black 1pt solid; padding-bottom: 10pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; padding-top: 3pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 10pt">&nbsp;</TD>
    <TD STYLE="border-right: Black 1pt solid; padding-top: 3pt; border-bottom: Black 1pt solid; padding-bottom: 10pt">&nbsp;</TD></TR>
  </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Schedule 4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 17</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>


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<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center"><U>SCHEDULE 3</U></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center">HYBRID LIQUIDITY RATIO</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"><FONT STYLE="font-family: Wingdings">&thorn;</FONT></TD><TD STYLE="text-align: justify">Bank shall be required to maintain a hybrid Primary plus Secondary Liquidity Ratio of 25.00% or greater,
to be measured quarterly, commencing December 31, 2023. The formulaic composition of this ratio is displayed below. Borrower shall require
each Bank to provide to Lender its liquidity report on a calendar quarter basis within thirty (30) days of each calendar quarter end.</TD></TR><TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD STYLE="text-align: justify">&nbsp;</TD></TR>
                                                                                                                                               </TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 92%; border-collapse: collapse; margin-left: 36pt">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 3pt"><B><U>Primary Liquidity</U></B></TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap">Insert Date_______________</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 3pt">Cash</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 3pt; width: 85%">Due from Banks</TD>
    <TD STYLE="border-bottom: Black 1pt solid; width: 13%">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt; width: 2%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt">Total Cash and Due from Banks</TD>
    <TD COLSPAN="2">$0</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 3pt">Fed Funds Sold</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>Securities Available as Collateral @FMV</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="color: red">Less Utilized Collateralizing Securities (Pledged)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 40pt">Short-Term Cash Equivalents</TD>
    <TD COLSPAN="2">$0</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: black">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="color: white"><B>Total Primary Liquidity</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="color: white"><B>$0</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 3pt"><B><U>Secondary Liquidity</U></B></TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 3pt">Net Loan Balances AFS and Pledged at FRB &amp; FHLB*</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 20pt"><FONT STYLE="color: red">Less-Utilized Collateralizing Loans/Letters of Credit (Used)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 40pt">Net Secondary</TD>
    <TD COLSPAN="2">$0</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top; background-color: black">
    <TD STYLE="padding-left: 3pt; padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="color: white"><B>Total Secondary Liquidity (FRB &amp; FHLB)</B></FONT></TD>
    <TD COLSPAN="2" STYLE="padding-top: 2pt; padding-bottom: 2pt"><FONT STYLE="color: white"><B>$0</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: Black 1pt solid; padding-left: 3pt; padding-top: 2pt; border-left: Black 1pt solid; padding-bottom: 2pt">Total Primary and Secondary Liquidity</TD>
    <TD COLSPAN="2" STYLE="padding-top: 2pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-bottom: 2pt">$0</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-bottom: black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 2pt; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-bottom: 2pt; padding-left: 3pt">Total Assets<BR>
    Primary and Secondary Liquidity Ratio</TD>
    <TD COLSPAN="2" STYLE="padding-top: 2pt; text-align: left; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: bottom; padding-bottom: 2pt; padding-left: 3pt">#DIV/0!</TD></TR>
</TABLE>


<P STYLE="margin-left: 36pt; font: 10pt Arial, Helvetica, Sans-Serif"><I>*FRB Primary Credit; FHLB Blanket</I> &nbsp;</P>

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  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Schedule 4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 18</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>



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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B><U>SCHEDULE 4</U></B></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: center">OTHER SPECIAL PROVISIONS</P>


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  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 1pt solid; width: 64%">LOAN AGREEMENT (Loan No. 40568)</TD>
    <TD STYLE="border-top: Black 1pt solid; width: 40%; text-align: right">Schedule 4</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">Page 19</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
  </TABLE>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>sfst4282901-ex102.htm
<DESCRIPTION>PROMISSORY NOTE
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-style: normal; font-weight: 400; text-transform: none">Exhibit 10.2</FONT></P>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><B>IT IS EXPRESSLY UNDERSTOOD AND
AGREED THAT THIS NOTE MAY REQUIRE A &ldquo;BALLOON&rdquo; PAYMENT OF ALL UNPAID PRINCIPAL AND ACCRUED BUT UNPAID INTEREST ON THE MATURITY
DATE. THE UNPAID PRINCIPAL INDEBTEDNESS EVIDENCED BY THIS NOTE IS PAYABLE IN FULL AT MATURITY. MAKER MUST REPAY THE ENTIRE UNPAID PRINCIPAL
BALANCE OF THIS NOTE AND ACCRUED BUT UNPAID INTEREST THEN DUE. PAYEE IS UNDER NO OBLIGATION TO REFINANCE THIS NOTE AT THAT TIME.</B></P>

<P STYLE="font: bold 20pt Arial, Helvetica, Sans-Serif; text-align: center">TIB, NATIONAL ASSOCIATION</P>

<P STYLE="margin-bottom: 0pt; font: bold 16pt Arial, Helvetica, Sans-Serif; text-align: center">PROMISSORY NOTE</P>

<P STYLE="margin-top: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: center">(Loan No. 40568)</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 46%; text-align: left">$15,000,000.00</TD>
    <TD STYLE="width: 54%; text-align: right">December 28, 2023</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">FOR VALUE
RECEIVED, the undersigned, <B>SOUTHERN FIRST BANCSHARES, INC., a South Carolina corporation </B>(&ldquo;<B>Maker</B>&rdquo;), promises to
pay to the order of <B>TIB, NATIONAL ASSOCIATION </B>(&ldquo;<B>Payee</B>&rdquo;) the maximum principal sum of Fifteen Million and No/100
Dollars ($15,000,000.00), or so much thereof as shall be advanced hereunder, on demand, or if not sooner demanded, then at or before the
maturity of this Note, with interest on the unpaid balance outstanding from time to time at the rate or rates specified below, both principal
and interest payable as provided below in lawful money of the United States of America at the address of Payee set forth below or at such
other place as from time to time may be designated by the holder of this Note.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B><I>I. <U>Interest Rates and Payments</U></I></B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">Prior to
default or maturity, the unpaid principal of this Note from time to time outstanding shall bear interest at the rate (<B>&ldquo;Rate&rdquo;</B>)
of interest per annum equal to the rate reported in the Credit Markets section (or similar section) of <U>The Wall Street Journal</U>
as the U.S. <B>&ldquo;Prime Rate,&rdquo; </B>as announced from time to time (floating daily), automatically fluctuating upward and downward
with each announcement without notice to Maker or any other person (the <B>&ldquo;Index&rdquo;</B>) <B><U>plus</U></B> one-quarter of one
percent (0.25%), provided, however, that in no event shall the Rate exceed the maximum interest rate permitted under applicable law (<B>&ldquo;Maximum
Rate&rdquo;</B>). If applicable law provides for a ceiling, that ceiling shall be the indicated rate ceiling. All interest accruing under
this Note shall be calculated on the basis of a 360-day year applied to the actual number of days elapsed.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">Quarterly payments
of interest on the unpaid principal balance of this Note shall be due and payable on March 28, 2024, and on the same date of each June,
September, and December thereafter through and including February 28, 2025 (<B>&ldquo;Maturity Date&rdquo;</B>), on which date all unpaid
principal of and accrued interest on this Note shall be due and payable, which may be a balloon payment. Any payment received later than
ten (10) days from the due date thereof must be accompanied by a late fee payment in the amount of five percent (5%) of the amount of
such payment. All principal and interest which is matured or otherwise past due under this Note shall bear interest at the Maximum Rate,
or, if no such rate is designated under applicable law, at the rate of eighteen percent (18%) per annum.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">Advances hereunder
shall be in accordance with the Loan Agreement (herein so called) of even date herewith between Maker and Payee. Maker shall have the
right to prepay, without penalty, at any time and from time to time prior to maturity, all or any part of the unpaid principal balance
of this Note and all or any part of the unpaid interest accrued to the date of such prepayment, provided that any such principal thus
paid is accompanied by accrued interest on such principal. <B>Maker may borrow, repay, and reborrow up to the principal face amount of
this Note; provided, however, that (1) such borrowings or reborrowings be in accordance with the requirements in the Loan Agreement between
Maker and Payee of even date herewith, and (2) at no time shall the total outstanding principal amount hereunder exceed the face value
of this Note. It is contemplated that by reason of prepayments hereon there may be times when no indebtedness is owing hereunder; but,</B></P>


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SOUTHERN FIRST BANCSHARES, INC. (Loan No 40568)</TD><TD STYLE="padding-bottom: 10pt; width: 10%">&nbsp;</TD><TD STYLE="padding-bottom: 10pt; text-align: right; width: 35%">Page<!-- Field: Sequence; Type: Arabic; Name: PageNo -->&nbsp;1<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
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    <!-- Field: /Page -->

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: left">notwithstanding
such occurrences, this Note shall remain valid and shall be in full force and effect subsequent to each such occurrence until the Maturity
Date.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B><I>II. <U>Security</U></I></B></p>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">This Note
is secured by, <I>Inter alia</I>, a Pledge Agreement (the &ldquo;<B>Pledge Agreement</B>&rdquo;) of even date herewith from Maker to Payee,
to which Pledge Agreement reference is made for a description of the property covered thereby and the nature and extent of the rights
and powers of the holder of this Note in respect of such property.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B><I>III. <U>Right to Accelerate Upon Default</U></I></B></p>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">In addition
to the demand feature hereof, the holder of this Note shall have the option of declaring the principal balance hereof and the interest
accrued hereon to be immediately due and payable upon the occurrence of an Event of Default under the Loan Agreement (this Note, the Pledge
Agreement, the Loan Agreement, and any such other documents are called the &ldquo;<B>Loan Documents</B>&rdquo; below), and the continuance
of such default for a relevant grace or notice period provided therein, if any.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B><I>IV. <U>Waiver of Conditions and Defenses to Liability</U></I></B></p>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">Maker and any
other party who is or becomes liable to pay all or any part of this Note, or who grants any lien or security interest to secure all or
any part of this Note (each called an &ldquo;<B>other liable party</B>&rdquo; below), including but not limited to any drawer, acceptor,
endorser, guarantor, surety or accommodation party, severally waive presentment for payment, demand, notice of demand and of dishonor
and nonpayment of this Note, notice of intention to accelerate the maturity of this Note, protest and notice of protest, diligence in
collecting, and the bringing of suit against any other party.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">Further,
Maker and any other liable party severally waive any notice of or defense based upon any agreement or consent of the holder of this Note
made or given from time to time, before or after maturity, to any of the following: the acceleration, renewal or extension of this Note;
a change in the time or manner of payments required by this Note; a change in the rates of interest specified in this Note; acceptance
or surrender of security; a substitution of security or subordination, amendment or release of security; an addition or release of any
other liable party; changes of any sort whatever in the terms of payment of this Note or in the manner of doing business with Maker; and
any settlement or compromise with Maker or any other liable party on such terms as the holder of this Note may deem appropriate in its
sole and absolute discretion.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">The holder
of this Note may apply all moneys received from Maker or others, or from any security (whether held under a security instrument or not),
in such manner upon the indebtedness evidenced or secured by any Loan Documents (whether then due or not) as such holder may determine
to be in its best interest, without in any way being required to marshal assets or to apply all or any part of such moneys upon any particular
part of such indebtedness. The holder of this Note is not required to retain, hold, protect, exercise due care with respect to, perfect
security interests in or otherwise assure or safeguard any security for this Note, and no failure by the holder of this Note to do any
of the foregoing and no exercise or failure to exercise by such holder of any other right or remedy shall in any way affect any of Maker&rsquo;s
or any other liable party&rsquo;s obligations hereunder or under other Loan Documents or affect any security or give Maker or any other liable
party any recourse against the holder of this Note.</P>


<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B><I>V. <U>Usury Savings Provision</U></I></B></p>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">It is the
intent of Maker and Payee in the execution of this Note and all other Loan Documents to contract in strict compliance with applicable
usury law. In furtherance thereof, Maker and Payee stipulate and agree that none of the terms and provisions contained in this Note, or
in any other instrument executed in connection herewith, shall ever be construed to create a contract to pay for the use, forbearance
or detention of money, interest at a rate in excess of the Maximum Rate. Neither Maker nor any guarantors, endorsers or other parties
now or hereafter becoming liable for payment of this Note shall ever be obligated or required to pay interest on this Note at a rate in
excess of the Maximum Rate, and the provisions of this paragraph shall control over all other provisions of this Note and any other Loan
Documents now or hereafter executed which may be in apparent conflict herewith. Payee expressly disavows any intention to charge or collect
excessive unearned interest or finance charges in the event the maturity of this Note is accelerated. If the maturity of this Note shall
be</P>


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SOUTHERN FIRST BANCSHARES, INC. (Loan No 40568)</TD><TD STYLE="padding-bottom: 10pt; width: 10%">&nbsp;</TD><TD STYLE="padding-bottom: 10pt; text-align: right; width: 35%">Page<!-- Field: Sequence; Type: Arabic; Name: PageNo -->&nbsp;2<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">accelerated for any reason or
if the principal of this Note is paid prior to the end of the term of this Note, and as a result thereof the interest received for the
actual period of existence of the loan evidenced by this Note exceeds the applicable maximum lawful rate, the holder of this Note shall
credit the amount of such excess against the principal balance of this Note then outstanding and thereby shall render inapplicable any
and all penalties of any kind provided by applicable law as a result of such excess interest; provided, however, that if the principal
hereof has been paid in full, such excess shall be refunded to Maker. If the holder of this Note shall receive money (or anything else)
which is determined to constitute interest and which would increase the effective interest rate on this Note or the other indebtedness
secured by the Loan Documents to a rate in excess of that permitted by applicable law, the amount determined to constitute interest in
excess of the lawful rate shall be credited against the principal balance of this Note then outstanding or, if the principal balance has
been paid in full, refunded to Maker, in which event any and all penalties of any kind under applicable law as a result of such excess
interest shall be inapplicable. If the holder of this Note shall not actually receive, but shall contract for, request or demand, a payment
of money (or anything else) which is determined to constitute interest and which would increase the effective interest rate contracted
for or charged on this Note or the other indebtedness evidenced or secured by the Loan Documents to a rate in excess of that permitted
by applicable law, the holder of this Note shall be entitled, following such determination, to waive or rescind the contractual claim,
request or demand for the amount determined to constitute interest in excess of the lawful rate, in which event any and all penalties
of any kind under applicable law as a result of such excess interest shall be inapplicable. By execution of this Note Maker acknowledges
that Maker believes the loan evidenced by this Note to be non-usurious and agrees that if, at any time, Maker should have reason to believe
that such loan is in fact usurious, Maker will give the holder of this Note notice of such condition and Maker agrees that the holder
shall have sixty (60) days in which to make appropriate refund or other adjustment in order to correct such condition if in fact such
exists. Additionally, if, from any circumstance whatsoever, fulfillment of any provision hereof or any other Loan Documents shall, at
the time fulfillment of such provision be due, involve transcending the Maximum Rate then, <I>ipso facto</I>, the obligation to be fulfilled
shall be reduced to the Maximum Rate. The term &ldquo;<B>applicable law</B>&rdquo; as used in this Note shall mean the laws of the State
of Texas or the laws of the United States, whichever laws allow the greater rate of interest, as such laws now exist or may be changed
or amended or come into effect in the future.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center"><B><I>VI. <U>Miscellaneous</U></I></B></p>
<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">Should
the indebtedness represented by this Note or any part thereof be collected at law or in equity or through any bankruptcy, receivership,
probate or other court proceedings or if this Note is placed in the hands of attorneys for collection after default, Maker and all endorsers,
guarantors and sureties of this Note jointly and severally agree to pay to the holder of this Note in addition to the principal and interest
due and payable hereon all the costs and expenses of the holder in enforcing this Note including, without limitation, reasonable attorneys&rsquo;
fees and legal expenses.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">This Note
and the rights, duties and liabilities of the parties hereunder or arising from or relating in any way to the indebtedness evidenced by
this Note or the transaction of which such indebtedness is a part shall be governed by and construed in accordance with the law of the
State of Texas and the law of the United States applicable to transactions within such State.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify">No amendment
of this Note shall be binding unless expressed in a writing executed by Maker and the holder of this Note.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify"><B>Maker
certifies, represents, and warrants to Payee that the proceeds hereof are to be used for a commercial purpose and not for personal, family,
household, or agricultural purposes.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify"><B>THE
PARTIES HERETO VOLUNTARILY AND KNOWINGLY WAIVE ANY AND ALL RIGHTS TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM BROUGHT
BY EITHER PARTY ON ANY MATTER WHATSOEVER ARISING OUT OF, IN CONNECTION WITH, OR RELATED TO ANY OF THE LOAN DOCUMENTS.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-indent: 36pt; text-align: justify"><B>THIS NOTE
AND ALL OTHER DOCUMENTS AND INSTRUMENTS EXECUTED PURSUANT HERETO OR IN CONNECTION HEREWITH AND THE TRANSACTIONS CONTEMPLATED HEREBY ARE
MADE AND PERFORMABLE IN DALLAS COUNTY, TEXAS AND SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TEXAS
AND THE APPLICABLE LAWS OF THE UNITED STATES OF AMERICA. MAKER IRREVOCABLY SUBMITS TO THE NON-EXCLUSIVE JURISDICTION OF ANY TEXAS OR FEDERAL
COURT SITTING IN DALLAS</B></P>


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SOUTHERN FIRST BANCSHARES, INC. (Loan No 40568)</TD><TD STYLE="padding-bottom: 10pt; width: 10%">&nbsp;</TD><TD STYLE="padding-bottom: 10pt; text-align: right; width: 35%">Page<!-- Field: Sequence; Type: Arabic; Name: PageNo -->&nbsp;3<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify"><B>COUNTY, TEXAS OVER ANY SUIT,
ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO ANY OF THE LOAN DOCUMENTS, AND MAKER HEREBY AGREES AND CONSENTS THAT, IN ADDITION TO
ANY METHODS OF SERVICE OF PROCESS PROVIDED FOR UNDER APPLICABLE LAW, ALL SERVICE OF PROCESS IN ANY SUCH SUIT, ACTION OR PROCEEDING IN
ANY TEXAS OR FEDERAL COURT SITTING IN DALLAS COUNTY, TEXAS (OR SUCH OTHER COUNTY IN TEXAS) MAY BE MADE BY CERTIFIED OR REGISTERED MAIL,
RETURN RECEIPT REQUESTED, DIRECTED TO MAKER AT THE ADDRESS INDICATED BELOW, AND SERVICE SO MADE SHALL BE COMPLETE FIVE DAYS AFTER THE
SAME SHALL HAVE BEEN SO MAILED.</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt"><B><U>Maker&rsquo;s Address</U></B>:</TD>
    <TD COLSPAN="3"><B><U>MAKER:</U></B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 2.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 2pt; padding-left: 2.5pt">6 Verdae Boulevard</TD>
    <TD COLSPAN="3">SOUTHERN FIRST BANCSHARES, INC.,</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 2pt; padding-left: 2.5pt">Greenville, South Carolina 29607</TD>
    <TD COLSPAN="3">a South Carolina corporation</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%">By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; width: 30%">/s/ D. Andrew Borrmann</TD>
    <TD STYLE="text-align: left; width: 15%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">D. Andrew Borrmann, Chief Financial Officer</TD></TR>
  </TABLE>
<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif"><B><U>Payee&rsquo;s Address</U></B>:</P>

<P STYLE="margin-top: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; margin-bottom: 0pt">TIB, NATIONAL ASSOCIATION</P>

<P STYLE="margin-top: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; margin-bottom: 0pt">11701 Luna Road</P>

<P STYLE="margin-top: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">Farmers Branch, Texas 75234</P>

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SOUTHERN FIRST BANCSHARES, INC. (Loan No 40568)</TD><TD STYLE="padding-bottom: 10pt; width: 10%">&nbsp;</TD><TD STYLE="padding-bottom: 10pt; text-align: right; width: 35%">Page<!-- Field: Sequence; Type: Arabic; Name: PageNo -->&nbsp;4<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
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<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>sfst4282901-ex103.htm
<DESCRIPTION>PLEDGE AGREEMENT
<TEXT>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-style: normal; font-weight: 400; text-transform: none">Exhibit 10.3</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-top: Black 3pt solid; font: 11pt Times New Roman, Times, Serif; padding-left: 36pt; text-indent: -36pt">&nbsp;</TD>
    <TD STYLE="border-top: Black 3pt solid; font: 11pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="border-top: Black 3pt solid; font: 11pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-left: 36pt; font: 11pt Times New Roman, Times, Serif; text-indent: -36pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Loan No. 40568</FONT></TD>
    <TD STYLE="width: 34%; font: 11pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>Pledge Agreement</B></FONT></TD>
    <TD STYLE="width: 33%; font: 11pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Date: As of December 28, 2023</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; padding-left: 36pt; text-indent: -36pt">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 11pt Times New Roman, Times, Serif; text-align: right">&nbsp;</TD></TR>
  </TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="border-right: Black 1pt solid; border-left: Black 3pt double; padding: 10pt 5pt; border-top: Black 4.5pt double; border-bottom: Black 4.5pt double; width: 50%"><P STYLE="margin-top: 0pt"><B>SECURED PARTY:</B></P>
    <P><FONT STYLE="font-size: 12pt">TIB, NATIONAL ASSOCIATION</FONT><BR>
    11701 Luna Road<BR>
    Farmers Branch, Texas 75234</P></TD>
    <TD STYLE="border-right: Black 3pt double; border-bottom: Black 4.5pt double; padding: 10pt 5pt; border-top: Black 4.5pt double; width: 50%"><P STYLE="margin-top: 0pt"><B>BORROWER:</B></P>
    <P><FONT STYLE="font-size: 12pt">SOUTHERN FIRST BANCSHARES, INC.</FONT><BR>
    6 Verdae Boulevard<BR>
    Greenville, South Carolina 29607</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: Black 3pt double; padding: 10pt 5pt; border-bottom: Black 4.5pt double; border-left: Black 3pt double"><P STYLE="margin-top: 0pt">Borrower is: &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">o</FONT>
                                                                                                                                                Individual&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <FONT STYLE="font-family: Wingdings">x</FONT>
                                                                                                                                                Corporation&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">o</FONT> Partnership
                                                                                                                                                &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">o</FONT> Other ____________________</P>
    <P STYLE="margin-bottom: 0pt">Address is Borrower&rsquo;s:&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">o</FONT> Residence &nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">x</FONT>
    Place of Business&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Wingdings">o</FONT> Chief Executive Office</P>
    <P STYLE="margin-top: 0pt; margin-left: 280pt; margin-bottom: 0pt">if more than one place of business</P></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-right: Black 3pt double; border-bottom: Black 4.5pt double; border-left: Black 3pt double; padding: 0pt 5pt">&nbsp;</TD></TR>
  </TABLE>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 0pt"><B>A.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt; margin-top: -11pt; margin-right: 0pt"><B>Security Interest</B>. For good and valuable
consideration, the receipt and adequacy of which are hereby acknowledged, Borrower (hereinafter referred to as &ldquo;<B>Borrower,</B>&rdquo;
whether one or more) pledges, assigns and grants to Secured Party a security interest and lien in the Collateral (hereinafter defined)
to secure the payment and the performance of the Obligations (hereinafter defined).</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 0pt"><B>B.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt; margin-top: -11pt; margin-right: 0pt"><B>Collateral</B>. The security interest is granted in the
following collateral (the &ldquo;<B>Collateral</B>&rdquo;):</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 35.95pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100%
(<I>i.e. </I>currently 850,000 shares, evidenced by stock certificate No. 001) of the outstanding Common Stock of Southern First Bank,
Greenville, South Carolina.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">2.<B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reserved.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
additions, substitutes and replacements for and proceeds of the above Collateral (including all income and benefits resulting from any
of the above, such as dividends payable or distributable in cash (but only with respect to dividends payable after an Event of Default),
property or stock; interest, premium and principal payments; redemption proceeds and subscription rights; and shares or other proceeds
of conversions or splits of any securities in the Collateral). Any investment property and/or securities received by Borrower, which shall
comprise such additions, substitutes and replacements for, or proceeds of, the Collateral, shall be held in trust for Secured Party and
shall be delivered immediately to Secured Party. Any cash proceeds shall be held in trust for Secured Party and upon demand shall be delivered
immediately to Secured Party.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
balance of every deposit account of Borrower maintained with Secured Party and any other claim of Borrower against Secured Party, now
or hereafter existing, liquidated or unliquidated, and all money, instruments, investment property, securities, documents, chattel paper,
credits, claims, demands, income, and any other property, rights and interests of Borrower which at any time shall come into the possession
or custody or under the control of Secured Party or any of its agents or affiliates, for any purpose, and the proceeds of any thereof.
Secured Party shall be deemed to have possession of any of the Collateral in transit to or set apart for it or any of its agents or affiliates.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 0pt"><B>C.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt; margin-top: -11pt; margin-right: 0pt"><B>Obligations</B>.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Description
of Obligations</B>. The following obligations (&ldquo;<B>Obligations</B>&rdquo;) are secured by this Agreement: (a) All debts, obligations,
liabilities and agreements of <B>Borrower </B>to Secured Party, now or hereafter existing, arising directly or indirectly between Borrower
and Secured Party whether absolute or contingent, joint or several, secured or unsecured, due or not due, contractual or tortious, liquidated
or unliquidated, arising by</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="padding-bottom: 10pt; width: 60%">PLEDGE AGREEMENT <BR> SOUTHERN FIRST BANCSHARES, INC. (Loan No. 40568)</TD><TD STYLE="padding-bottom: 10pt; width: 10%">&nbsp;</TD><TD STYLE="padding-bottom: 10pt; text-align: right; width: 30%">Page&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">operation of law or otherwise, and all renewals, extensions
or rearrangement of any of the above; (b) All costs incurred by Secured Party to obtain, preserve, perfect and enforce this Agreement
and maintain, preserve, collect and enforce the Collateral; (c) All debts, obligations, liabilities and agreements of Borrower to Secured
Party under this Agreement; (d) Interest on the above amounts determined in accordance with applicable agreements between Secured Party
and Borrower; (e) All indebtedness, liabilities and obligations of Borrower to Secured Party under the Loan Agreement dated even date
herewith (the &ldquo;<B>Loan Agreement</B>&rdquo;) between Borrower and Secured Party and all renewals, extensions and modifications thereof;
(f) all indebtedness, liabilities and obligations of Borrower to Secured Party under that certain Promissory Note dated of even date herewith
in the maximum stated principal amount of <B>$15,000,000.00 </B>(the <B>&ldquo;Note&rdquo;</B>) payable by Borrower to the order of Secured
Party and all renewals, extensions and modifications thereof; (g) all reasonable expenses of Secured Party, including reasonable fees
and expenses of Secured Party&rsquo;s counsel, incident to the enforcement of payment of all obligations of the Borrower by any action
or participation in, or in connection with a case or proceeding under the Bankruptcy Code, or any successor statute thereto..</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">In the event any amount paid to Secured Party on any
of the Obligations is subsequently recovered from Secured Party in or as a result of any bankruptcy, insolvency or fraudulent conveyance
proceeding involving an obligor of the Obligations other than Borrower, Borrower shall be liable to Secured Party for the amounts so recovered
up to the fair market value of the Collateral whether or not the Collateral has been released or the security interest terminated. In
the event the Collateral has been released or the security interest terminated, the fair market value of the Collateral shall be determined,
at Secured Party&rsquo;s option, as of the date the Collateral was released, the security interest terminated, or said amounts were recovered.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Use
of Proceeds</B>. The proceeds of any indebtedness or obligation secured by the Collateral will not be used directly or indirectly to purchase
or carry any &ldquo;margin stock&rdquo; as that term is defined in Regulation U of the Board of Governors of the Federal Reserve System,
or extend credit to or invest in other parties for the purpose of purchasing or carrying any such &ldquo;margin stock,&rdquo; or to reduce
or retire any indebtedness incurred for such purpose or otherwise in a manner which would violate Regulations T or U.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 0pt"><B>D.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt; margin-top: -11pt; margin-right: 0pt"><B>Borrower&rsquo;s Warranties</B>. Borrower
hereby represents and warrants to Secured Party as follows:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Financing
Statements</B>. Except as may be noted by schedule attached hereto and incorporated herein by reference, no financing statement covering
the Collateral is or will be on file in any public office, except the financing statements relating to this security interest or previously
granted to Secured Party, and no security interest, other than the one herein created or previously granted to Secured Party, has attached
or been perfected in the Collateral or any part thereof and is now in force or effect.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Ownership</B>.
Borrower owns the Collateral free from any setoff, claim, restriction, lien, security interest or encumbrance except liens for taxes not
yet due and payable and the security interest hereunder or previously granted to Secured Party.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Power
and Authority</B>. Borrower has full power and authority to make this Agreement, and all necessary consents and approvals of any persons,
entities, governmental or regulatory authorities and securities exchanges have been obtained to effectuate the validity of this Agreement.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 0pt"><B>E.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt; margin-top: -11pt; margin-right: 0pt"><B>Borrower&rsquo;s Covenants</B>. Until full
payment and performance of all of the Obligations and termination or expiration of any obligation or commitment of Secured Party to make
advances or loans to Borrower, unless Secured Party otherwise consents in writing:</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Obligations
and This Agreement</B>. Borrower shall perform all of its agreements herein and in any other agreements between it and Secured Party.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Ownership
of Collateral</B>. Borrower shall defend the Collateral against all claims and demands of all persons at any time claiming any interest
therein adverse to Secured Party. Borrower shall keep the Collateral free from all liens and security interests except those for taxes
not yet due and payable and the security interest hereby created.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Secured
Party&rsquo;s Costs</B>. Borrower shall pay all costs necessary to obtain, preserve, perfect, defend and enforce the security interest
created by this Agreement, collect the Obligations, and preserve, defend, enforce</P>


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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">and collect the Collateral, including but not limited
to taxes, assessments, reasonable attorney&rsquo;s fees, legal expenses and expenses of sales. Whether the Collateral is or is not in
Secured Party&rsquo;s possession, and without any obligation to do so and without waiving Borrower&rsquo;s default for failure to make
any such payment, Secured Party at its option may pay any such costs and expenses and discharge encumbrances on the Collateral, and such
payments shall be a part of the Obligations and bear interest at the rate set out in the Obligations. Borrower agrees to reimburse Secured
Party on demand for any costs so incurred.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Information
and Inspection</B>. Borrower shall (i) promptly furnish, as permitted by law, Secured Party any information with respect to the Collateral
reasonably requested by Secured Party; (ii) allow Secured Party or its representatives to inspect and copy, or furnish Secured Party or
its representatives with copies of, all records relating to the Collateral and the Obligations; and (iii) promptly furnish Secured Party
or its representatives with any other information Secured Party may reasonably request.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Additional
Documents</B>. Borrower shall sign and deliver any papers furnished by Secured Party which are necessary or desirable in the judgment
of Secured Party to obtain, maintain and perfect the security interest hereunder and to enable Secured Party to comply with any federal
or state law in order to obtain or perfect Secured Party&rsquo;s interest in the Collateral or to obtain proceeds of the Collateral.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Notice
of Changes</B>. Borrower shall notify Secured Party immediately of (i) any material change in the Collateral, (ii) a change in Borrower&rsquo;s
residence or location, (iii) a change in any matter warranted or represented by Borrower in this Agreement, or in any of the loan documents
relating to the Obligations or furnished to Secured Party pursuant to this Agreement, and (iv) the occurrence of an Event of Default as
defined herein.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Possession
of Collateral</B>. Borrower shall deliver a copy of this Agreement (or other notice acceptable to Secured Party) to any Broker, financial
intermediary, or any other person in possession of any of the Collateral or on whose books the interest of Borrower in the Collateral
appears, and such delivery shall constitute notice to such person of Secured Party&rsquo;s security interest in the Collateral and shall
constitute Borrower&rsquo;s instruction to such person to note Secured Party&rsquo;s security interest on their books and records, or
deliver to Secured Party certificates or other evidence of the Collateral promptly upon Secured Party&rsquo;s request. Borrower shall
deliver all investment securities and other instruments and documents which are a part of the Collateral and in Borrower&rsquo;s possession
to Secured Party immediately, or if hereafter acquired, immediately following acquisition, in a form suitable for transfer by delivery
or accompanied by duly executed instruments of transfer or assignment in blank with signatures appropriately guaranteed in form and substance
suitable to Secured Party.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36.05pt">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Change
of Name/Status</B>. Without the consent of Secured Party (not to be unreasonably withheld), Borrower shall not change its name, change
its corporate structure or status, use any trade name or engage in any business not reasonably related to its business as presently conducted;
provided, however, that Borrower may restructure as an S-corporation or such other structure so long as the value of the Collateral is
not negatively impacted nor is the prospect for satisfaction of the Obligations impaired.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36.05pt">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Power
of Attorney</B>. Borrower appoints Secured Party and any officer thereof as Borrower&rsquo;s attorney-in-fact with full power in Borrower&rsquo;s
name and on Borrower&rsquo;s behalf to do every act which Borrower is obligated to do or may be required to do hereunder; however, nothing
in this paragraph shall be construed to obligate Secured Party to take any action hereunder nor shall Secured Party be liable to Borrower
for failure to take any action hereunder. This appointment shall be deemed a power coupled with an interest and shall not be terminable
as long as the Obligations are outstanding and shall not terminate on the disability or incompetence of Borrower. Without limiting the
generality of the foregoing, if an Event of Default has occurred and is continuing, Secured Party shall have the right and power to receive,
indorse and collect all checks and other orders for the payment of money made payable to Borrower representing any dividend, interest
payment or other distribution payable in respect of the Collateral or any part thereof.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 35.95pt">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Other
Parties and Other Collateral</B>. No renewal or extensions of or any other indulgence with respect to the Obligations or any part thereof,
no modification of the document(s) evidencing the Obligations, no release of any security, no release of any person (including any maker,
indorser, guarantor or surety) liable on the Obligations, no delay in enforcement of payment, and no delay or omission or lack of diligence
or care in exercising</P>


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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; width: 100%"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="padding-bottom: 10pt; width: 60%">PLEDGE AGREEMENT <BR> SOUTHERN FIRST BANCSHARES, INC. (Loan No. 40568)</TD><TD STYLE="padding-bottom: 10pt; width: 10%">&nbsp;</TD><TD STYLE="padding-bottom: 10pt; text-align: right; width: 30%">Page&nbsp;<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></TD></TR></TABLE></DIV>
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    <!-- Field: /Page -->

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: -0.05pt">any right or power with respect
to the Obligations or any security therefor or guaranty thereof or under this Agreement shall in any manner impair or affect the rights
of Secured Party under any law, hereunder, or under any other agreement pertaining to the Collateral. Secured Party need not file suit
or assert a claim for personal judgment against any person for any part of the Obligations or seek to realize upon any other security
for the Obligations, before foreclosing or otherwise realizing upon the Collateral. Borrower waives any right that can be waived to the
benefit of or to require or control application of any other security or proceeds thereof, and agrees that Secured Party shall have no
duty or obligation to Borrower to apply to the Obligations any such other security or proceeds thereof</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 35.95pt">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Waivers
by Borrower</B>. Borrower waives notice of the creation, advance, increase, existence, extension or renewal of, and of any indulgence
with respect to, the Obligations; waives presentment, demand, notice of dishonor, and protest; waives notice of the amount of the Obligations
outstanding at any time, notice of any change in financial condition of any person liable for the Obligations or any part thereof, notice
of any Event of Default, and all other notices respecting the Obligations; and agrees that maturity of the Obligations and any part thereof
may be accelerated, extended or renewed one or more times by Secured Party in its discretion, without notice to Borrower. Borrower waives
any right to require that any action be brought against any other person or to require that resort be had to any other security or to
any balance of any deposit account. Borrower further waives any right of subrogation or to enforce any right of action against any other
Borrower until the Obligations are paid in full.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 0pt"><B>F.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt; margin-top: -11pt; margin-right: 0pt"><B>Rights
and Powers of Secured Party.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36.05pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>General</B>.
If an Event of Default has occurred and is continuing, Secured Party, without liability to Borrower, may: take control of proceeds, including
stock received as dividends or by reason of stock splits; release the Collateral in its possession to any Borrower, temporarily or otherwise;
reject as unsatisfactory any property hereafter offered by Borrower as Collateral; take control of funds generated by the Collateral,
such as cash dividends, interest and proceeds, and use same to reduce any part of the Obligations and exercise all other rights which
an owner of such Collateral may exercise, except the right to vote or dispose of the Collateral before an Event of Default; and at any
time after an Event of Default transfer any of the Collateral or evidence thereof into its own name or that of its nominee. Secured Party
shall not be liable for failure to collect any account or instruments, or for any act or omission on the part of Secured Party, its officers,
agents or employees, except for its or their own willful misconduct or gross negligence. The foregoing rights and powers of Secured Party
will be in addition to, and not a limitation upon, any rights and powers of Secured Party given by law, elsewhere in this Agreement, or
otherwise.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Convertible
Collateral</B>. Secured Party may present for conversion any Collateral which is convertible into any other instrument or investment security
or a combination thereof with cash, but Secured Party shall not have any duty to present for conversion any Collateral unless it shall
have received from Borrower detailed written instructions to that effect at a time reasonably far in advance of the final conversion date
to make such conversion possible.</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 0pt"><B>G.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt; margin-top: -11pt; margin-right: 0pt"><B>Default.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Event
of Default</B>. For purposes of this Agreement, the term &ldquo;Event of Default&rdquo; shall have the same meaning given that term in
the Loan Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Rights
and Remedies</B>. If an Event of Default has occurred and is continuing, then, in each and every such case, Secured Party may, without
(a) presentment, demand, or protest, (b) notice of default, dishonor, demand, non-payment, or protest, (c) notice of intent to accelerate
all or any part of the Obligations, (d) notice of acceleration of all or any part of the Obligations, or (e) notice of any other kind,
all of which Borrower hereby expressly waives (except for any notice required under this Agreement, any other loan document or which may
not be waived under applicable law), at any time thereafter exercise and/or enforce any of the following rights and remedies, at Secured
Party&rsquo;s option:</P>

<P STYLE="margin-left: 36pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Acceleration</B>.
The Obligations shall, at Secured Party&rsquo;s option, become immediately due and payable, and the obligation, if any, of Secured Party
to permit further borrowings under the Obligations shall at Secured Party&rsquo;s option immediately cease and terminate.</P>


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<P STYLE="margin-left: 36pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Liquidation
of Collateral</B>. Sell, or instruct any Agent or Broker to sell, all or any part of the Collateral in a public or private sale, direct
any Agent or Broker to liquidate all or any part of any Account and deliver all proceeds thereof to Secured Party, and apply all proceeds
to the payment of any or all of the Obligations in such order and manner as Secured Party shall, in its discretion, choose, or exercise
any remedy provided for in Section F or G hereof, in the Loan Agreement or in the Note.</P>

<P STYLE="margin-left: 36pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Uniform
Commercial Code</B>. All of the rights, powers and remedies of a secured creditor under the Uniform Commercial Code (&ldquo;UCC&rsquo;)
as adopted in the jurisdiction to which Secured Party is subject under this Agreement.</P>

<P STYLE="margin-left: 36pt; font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Right
of Set Off</B>. Without notice or demand to Borrower, set off and apply against any and all of the Obligations any and all deposits (general
or special, time or demand, provisional or final) and any other indebtedness, at any time held or owing by Secured Party or by any of
Secured Party&rsquo;s affiliates or correspondents to or for the credit of the account of Borrower or any guarantor or indorser of Borrower&rsquo;s
Obligations.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 0.05pt">Borrower specifically understands
and agrees that any sale by Secured Party of all or part of the Collateral pursuant to the terms of this Agreement may be effected by
Secured Party at times and in manners which could result in the proceeds of such sale as being significantly and materially less than
might have been received if such sale had occurred at different times or in different manners, and Borrower hereby releases Secured Party
and its officers and representatives from and against any and all obligations and liabilities arising out of or related to the timing
or manner of any such sale.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">If, in the opinion of Secured Party, there is any question
that a public sale or distribution of any Collateral will violate any state or federal securities law, Secured Party may offer and sell
such Collateral in a transaction exempt from registration under federal securities law, and any such sale made in good faith by Secured
Party shall be deemed &lsquo;&lsquo;commercially reasonable.&rsquo;&rsquo;</P>

<P STYLE="margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif; width: 18pt; margin-right: 0pt; margin-left: 0pt"><B>H.</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt; margin-top: -11pt; margin-right: 0pt"><B>General</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Parties
Bound</B>. Secured Party&rsquo;s rights hereunder shall inure to the benefit of its successors and assigns, and in the event of any assignment
or transfer of any of the Obligations or the Collateral, Secured Party thereafter shall be fully discharged from any responsibility with
respect to the Collateral so assigned or transferred, but Secured Party shall retain all rights and powers hereby given with respect to
any of the Obligations or the Collateral not so assigned or transferred. All representations, warranties and agreements of Borrower, if
more than one, are joint and several and all shall be binding upon the personal representatives, heirs, successors and assigns of Borrower.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Waiver</B>.
No delay of Secured Party in exercising any power or right shall operate as a waiver thereof; nor shall any single or partial exercise
of any power or right preclude other or further exercise thereof or the exercise of any other power or right. No waiver by Secured Party
of any right hereunder or of any default by Borrower shall be binding upon Secured Party unless in writing, and no failure by Secured
Party to exercise any power or right hereunder or waiver of any default by Borrower shall operate as a waiver of any other or further
exercise of such right or power or of any further default. Each right, power and remedy of Secured Party as provided for herein or in
any of the loan documents related to the Obligations, or which shall now or hereafter exist at law or in equity or by statute or otherwise,
shall be cumulative and concurrent and shall be in addition to every other such right, power or remedy. The exercise or beginning of the
exercise by Secured Party of any one or more of such rights, powers or remedies shall not preclude the simultaneous or later exercise
by Secured Party of any or all other such rights, powers or remedies.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 35.95pt">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Agreement
Continuing</B>. This Agreement shall constitute a continuing agreement. This Agreement shall apply to all future as well as existing transactions,
whether or not of the character contemplated at the date of this Agreement, and if all transactions between Secured Party and Borrower
shall be closed at any time, shall be equally applicable to any new transactions thereafter. Provisions of this Agreement, unless by their
terms exclusive, shall be in addition to other agreements between the parties. Time is of the essence of this Agreement. Notwithstanding
the foregoing, in the event that all Obligations are fully and finally paid and all</P>


<!-- Field: Page; Sequence: 5 -->
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify">commitments of the Secured Party to extend credit to
Borrower have been terminated, then this Agreement shall be terminated, and all Collateral shall, at the request of the Borrower be released.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 35.95pt">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Definitions</B>.
Unless the context indicates otherwise, definitions in the UCC apply to words and phrases in this Agreement; if UCC definitions conflict,
Article 8 and/or 9 definitions apply.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Notice</B>.
Notice shall be deemed reasonable if mailed postage prepaid at least five (5) days before the related action (or if the UCC elsewhere
specifies a longer period, such longer period) to the address of Borrower given above. Each notice, request and demand shall be deemed
given or made, if sent by mail, upon the earlier of the date of receipt or five (5) days after deposit in the U.S. Mail, first class postage
prepaid, or if sent by any other means, upon delivery.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Modifications</B>.
No provision hereof shall be modified or limited except by a written agreement expressly referring hereto and to the provisions so modified
or limited and signed by Borrower and Secured Party. The provisions of this Agreement shall not be modified or limited by course of conduct
or usage of trade.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Partial
Invalidity</B>. The unenforceability or invalidity of any provision of this Agreement shall not affect the enforceability or validity
of any other provision herein, and the invalidity or unenforceability of any provision of any loan document related to the Obligations
to any person or circumstance shall not affect the enforceability or validity of such provision as it may apply to other persons or circumstances.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt"><FONT STYLE="font-weight: normal">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Applicable
Law and Venue<FONT STYLE="font-weight: normal">. </FONT>This Agreement has been delivered in the State of Texas and shall, except for
perfection and enforcement matters that may be required by applicable law to be governed by the laws of another state, be construed in
accordance with the laws of that State. It is performable by Borrower in the county or city of Secured Party&rsquo;s address set out above
and Borrower expressly waives any objection as to venue in any such location. Wherever possible each provision of this Agreement shall
be interpreted in such manner as to be effective and valid under applicable law, but if any provision of this Agreement shall be prohibited
by or invalid under applicable law, such provision shall be ineffective to the extent of such prohibition or invalidity, without invalidating
the remainder of such provisions or the remaining provisions of this Agreement.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Financing
Statement</B>. To the extent permitted by applicable law, a carbon, photographic or other reproduction of this Agreement or any financing
statement covering the Collateral shall be sufficient as a financing statement, and Secured Party is authorized to file this Agreement
or any other financing statements it determines to be necessary or prudent.</P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">THIS WRITTEN AGREEMENT AND
ANY OTHER DOCUMENTS EXECUTED IN CONNECTION HEREWITH REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE
OF PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES.</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; text-indent: 36pt">IN WITNESS WHEREOF, the parties
hereto have caused this Agreement to be duly executed by their duly authorized representatives as of the date first above written.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>SECURED PARTY</U>:</B></FONT></TD>
    <TD STYLE="font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 11pt"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt"><B><U>BORROWER</U></B>:</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 40%">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
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    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">SOUTHERN FIRST BANCSHARES, INC.,</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">a South Carolina corporation</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/B. Windol Cook</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">/s/D. Andrew Borrmann</FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">B. Windol Cook, Senior Vice President</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif">D. Andrew Borrmann, Chief Financial Officer</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>7
<FILENAME>sfst-20231228_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.21a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US">Entity Emerging Growth Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityExTransitionPeriod" xlink:to="dei_EntityExTransitionPeriod_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityExTransitionPeriod_lbl" xml:lang="en-US">Elected Not To Use the Extended Transition Period</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentAccountingStandard" xlink:label="dei_DocumentAccountingStandard" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentAccountingStandard" xlink:to="dei_DocumentAccountingStandard_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentAccountingStandard_lbl" xml:lang="en-US">Document Accounting Standard</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_OtherReportingStandardItemNumber" xlink:label="dei_OtherReportingStandardItemNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_OtherReportingStandardItemNumber" xlink:to="dei_OtherReportingStandardItemNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_OtherReportingStandardItemNumber_lbl" xml:lang="en-US">Other Reporting Standard Item Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityShellCompany_lbl" xml:lang="en-US">Entity Shell Company</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityPublicFloat" xlink:label="dei_EntityPublicFloat" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPublicFloat" xlink:to="dei_EntityPublicFloat_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPublicFloat_lbl" xml:lang="en-US">Entity Public Float</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityBankruptcyProceedingsReportingCurrent" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityBankruptcyProceedingsReportingCurrent" xlink:to="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityBankruptcyProceedingsReportingCurrent_lbl" xml:lang="en-US">Entity Bankruptcy Proceedings, Reporting Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCommonStockSharesOutstanding_lbl" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentsIncorporatedByReferenceTextBlock" xlink:label="dei_DocumentsIncorporatedByReferenceTextBlock" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentsIncorporatedByReferenceTextBlock" xlink:to="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentsIncorporatedByReferenceTextBlock_lbl" xml:lang="en-US">Documents Incorporated by Reference [Text Block]</link:label>
    </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>8
<FILENAME>sfst-20231228_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 5.21a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
    <link:roleRef roleURI="http://southernfirst.com/role/Cover" xlink:href="sfst-20231228.xsd#Cover" xlink:type="simple" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#notAll" arcroleURI="http://xbrl.org/int/dim/arcrole/notAll" />
    <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
    <link:definitionLink xlink:type="extended" xlink:role="http://southernfirst.com/role/Cover" xlink:title="00000001 - Document - Cover">
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.23.4</span><table class="report" border="0" cellspacing="2" id="idm140518734241328">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Dec. 28, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressesLineItems', window );"><strong>Entity Addresses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 28,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-27719<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Southern First Bancshares, Inc.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001090009<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">58-2459561<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">SC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">6 Verdae Boulevard<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Greenville<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">SC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">29607<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">864<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">679-9000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">SFST<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressesAddressTypeAxis=dei_FormerAddressMember', window );">Former Address [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressesLineItems', window );"><strong>Entity Addresses [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">100 Verdae Boulevard<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 100<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Greenville<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">SC<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
