<SEC-DOCUMENT>0001206774-26-000220.txt : 20260415
<SEC-HEADER>0001206774-26-000220.hdr.sgml : 20260415
<ACCEPTANCE-DATETIME>20260415161056
ACCESSION NUMBER:		0001206774-26-000220
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20260415
DATE AS OF CHANGE:		20260415

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
		EIN:				582459561
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B5
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-293279
		FILM NUMBER:		26864263

	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
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B5
<SEQUENCE>1
<FILENAME>sfst4621781-424b5.htm
<DESCRIPTION>PRELIMINARY PROSPECTUS SUPPLEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; color: red"><FONT STYLE="color: Black"><A HREF="#toc">Table of Contents</A></FONT><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; color: red">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; color: red">The information in this preliminary
prospectus supplement relates to an effective registration statement, but is not complete and may be changed. This preliminary prospectus
supplement and the accompanying prospectus are not an offer to sell securities and are not soliciting an offer to buy these securities
in any state or jurisdiction where the offer or sale is not permitted.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white"><B>Filed Pursuant to Rule
424(b)(5)</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white"><B>Registration Statement
Number 333-293279</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; color: red"><B>Subject to Completion dated April
15, 2026</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Preliminary Prospectus Supplement </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>To the Prospectus Dated February 6, 2026</B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white; text-indent: 0.75in"><B>Shares</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white; text-indent: 0.75in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif"><IMG SRC="sfst4621781-424b51x1x1.jpg" ALT="" STYLE="height: 102.75pt; width: 220.5pt"></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>Common Stock</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"></FONT></P>

<!-- Field: Rule-Page --><DIV STYLE="margin: 0pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; text-indent: 0.5in">We are offering &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
of our common stock, par value $0.01 per share, at a public offering price of $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per
share. Our common stock is traded on The Nasdaq Global Market under the symbol &ldquo;SFST.&rdquo; On April 14, 2026, the last reported
sale price of our common stock on The Nasdaq Global Market was $58.85 per share.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white"><B>Investing in our common
stock involves risks. Please carefully read the &ldquo;Risk Factors&rdquo; beginning on page S-9 of this prospectus supplement and appearing
in our Annual Report on Form 10-K for the period ended December 31, 2025 for a discussion of certain factors that you should consider
before making your investment decision.</B></P>

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 0pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 12pt Times New Roman, Times, Serif; width: 90%; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="text-align: center; padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; width: 79%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; text-align: center; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Per&nbsp;Share</B></FONT></TD>
    <TD STYLE="text-align: center; width: 1%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center; width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Total</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public offering price</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Underwriting discount<SUP>(1)</SUP></FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proceeds to us, before expenses</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</FONT></TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in; background-color: white">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 90%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0.25in; text-align: left">(1)</TD><TD STYLE="text-align: left">See &ldquo;Underwriting&rdquo; beginning on page S-16 for
disclosure regarding the underwriting discounts, expenses payable to the underwriters and proceeds to us, before expenses.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">The shares of our common
stock are being offered through the underwriters on a firm commitment basis. We have granted the underwriters the right to purchase up
to &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;additional shares of our common stock at the public offering price, less the underwriting discount. If the underwriters exercise their
option in full, the total underwriting discounts and commissions payable by us will be $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; and the total proceeds to us, before expenses,
will be $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.</P>

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

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

<!-- Field: Page; Sequence: 1; Options: NewSection -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; text-indent: 0.5in"><B>Neither the U.S. Securities
and Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed upon the adequacy
of this prospectus. Any representation to the contrary is a criminal offense in the United States.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white"><B>These securities are
not deposits or other obligations of any of our bank or non-bank subsidiaries and are not insured by the Federal Deposit Insurance Corporation
or any other governmental agency.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">The underwriters expect
to deliver the shares of our common stock in book-entry form only, through the facilities of The Depository Trust Company, against payment
on or about April &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2026, subject to customary closing conditions.</P>

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

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

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

<P STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white"><IMG SRC="sfst4621781-424b51x2x1.jpg" ALT="" STYLE="height: 28pt; width: 186.6pt">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="sfst4621781-424b51x2x2.jpg" ALT=""></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">The date of this prospectus
supplement is April &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2026.</P>

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


<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><B>Southern First Bancshares,
Inc.</B></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt"><IMG SRC="sfst4621781-424b51x3x1.jpg" ALT=""></FONT></P>

<P STYLE="font: 24pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;</FONT></P>


<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 90%; text-align: left"><A STYLE="text-decoration: none; color: black" HREF="#SP_001">About This Prospectus Supplement</A></TD>
    <TD STYLE="width: 10%; text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_001">S-1</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><A STYLE="text-decoration: none; color: black" HREF="#SP_002">Special Note Regarding Forward-Looking Statements</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_002">S-2</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><A STYLE="text-decoration: none; color: black" HREF="#SP_003">Prospectus Supplement Summary</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_003">S-4</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><A STYLE="text-decoration: none; color: black" HREF="#SP_004">The Offering</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_004">S-8</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><A STYLE="text-decoration: none; color: black" HREF="#SP_005">Risk Factors</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_005">S-9</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A STYLE="text-decoration: none; color: black" HREF="#SP_006">Use of Proceeds</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_006">S-13</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A STYLE="text-decoration: none; color: black" HREF="#SP_007">Capitalization</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_007">S-14</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><A STYLE="text-decoration: none; color: black" HREF="#SP_008">Description of Our Capital Stock</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_008">S-15</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A STYLE="text-decoration: none; color: black" HREF="#SP_009">Underwriting</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_009">S-16</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><A STYLE="text-decoration: none; color: black" HREF="#SP_010">Legal Matters</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_010">S-19</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><A STYLE="text-decoration: none; color: black" HREF="#SP_011">Experts</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_011">S-19</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><A STYLE="text-decoration: none; color: black" HREF="#SP_012">Where You Can Find More Information</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_012">S-19</A></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><A STYLE="text-decoration: none; color: black" HREF="#SP_013">Incorporation of Certain Information by Reference</A></TD>
    <TD STYLE="text-align: right"><A STYLE="text-decoration: none; color: black" HREF="#SP_013">S-19</A></TD></TR>
  </TABLE>


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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 1pt; padding-left: 0in">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; padding-top: 0in">Page</TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_001">About this Prospectus</A></TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_001">1</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_002">Incorporation of Certain Information by Reference</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_002">2</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_003">Risk Factors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_003">3</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_004">Special Note Regarding Forward-Looking Statements</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_004">4</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_005">Prospectus Summary</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_005">6</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_006">Southern First Bancshares, Inc.</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_006">8</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_007">Use of Proceeds</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_007">8</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_008">Plan of Distribution</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_008">8</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_009">Description of Debt Securities</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_009">11</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_010">Description of Preferred Stock</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_010">18</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_011">Description of Depositary Shares</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_011">20</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_012">Description of Common Stock</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_012">24</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_013">Description of Purchase Contracts</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_013">25</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_014">Description of Units</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_014">25</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_015">Description of Warrants</A></TD>
    <TD STYLE="padding-left: -0.125in; text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_015">25</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_016">Description of Rights</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_016">27</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_017">Anti-Takeover Effects of Certain Articles of Incorporation Provisions</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_017">28</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_018">Validity of Securities</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_018">29</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_019">Experts</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_019">29</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_020">Where You Can Find More Information</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_020">29</A></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>





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

<!-- Field: Page; Sequence: 4; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->i<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>In making your investment decision, you should
rely only on the information contained or incorporated by reference in this prospectus supplement, the accompanying prospectus and any
free writing prospectus that we have authorized and filed by us with the SEC. We have not, and the underwriters have not, authorized anyone
else to provide you with different or additional information. If anyone provides you with any other information, you should not rely on
it. We are not, and the underwriters have not, making an offer to sell these securities in any jurisdiction where the offer and sale is
not permitted. You should not assume that the information in this prospectus supplement, the accompanying prospectus, any free writing
prospectus or any document incorporated by reference is accurate as of any date other than its respective date. Our business, financial
condition, results of operations and prospects may have changed since those dates.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>This prospectus supplement is not complete without,
and may not be delivered or utilized except in connection with, the accompanying prospectus. This prospectus supplement supersedes the
accompanying prospectus to the extent it contains information that is different from or in addition to the information in that prospectus.
Any information in the accompanying prospectus that is inconsistent with the information in this prospectus supplement is superseded by
the information in this prospectus supplement.</B></P>

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

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

<!-- Field: Page; Sequence: 5; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->ii<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_001"></A>ABOUT THIS PROSPECTUS SUPPLEMENT</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This document consists of two parts. The first
part is this prospectus supplement, which describes the specific terms of this offering, and updates and adds to the information contained
in the accompanying prospectus and the documents incorporated by reference into this prospectus supplement and the accompanying prospectus.
The second part is the accompanying prospectus dated February 6, 2026, which is included as part of our shelf registration statement on
Form S-3 (File No. 333-293279), which provides more general information about us, our common stock, and other securities we may offer
from time to time, some of which may not apply to this offering. You should read this prospectus supplement, the accompanying prospectus
and any free writing prospectus we have authorized and filed with the SEC, together with additional information described below under
the headings &ldquo;Where You Can Find More Information&rdquo; and &ldquo;Incorporation of Certain Information by Reference,&rdquo; before
deciding to invest in our common stock. Generally, when we refer to this &ldquo;prospectus&rdquo; we mean this prospectus supplement together
with the accompanying prospectus. This prospectus supplement supersedes the accompanying prospectus to the extent it contains information
that is different from or in addition to the information in the accompanying prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We are offering to sell, and seeking offers to
buy, shares of our common stock only in jurisdictions where such offers and sales are permitted. The distribution of this prospectus supplement
and the accompanying prospectus and the offering of the common stock in certain jurisdictions may be restricted by law. This prospectus
supplement does not constitute, and may not be used in connection with, an offer to sell, or a solicitation of an offer to buy, any common
stock offered by this prospectus supplement by any person in any jurisdiction in which it is unlawful for such person to make such an
offer or solicitation. No action has been taken in any jurisdiction other than the United States that would permit a public offering of
the common stock or the possession, circulation or distribution of this prospectus supplement or the accompanying prospectus in any such
jurisdiction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Unless otherwise expressly stated or the context
otherwise requires, all information in this prospectus supplement assumes that (i) the underwriters will not exercise their option to
purchase additional shares of our common stock, and (ii) no options, warrants, stock rights or shares of common stock were issued after
March 31, 2026.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This prospectus supplement includes market size,
market share and industry data that we have obtained from internal company surveys, market research, publicly available information and
various industry publications. The third-party sources from which we have obtained information generally state that the information contained
therein has been obtained from sources believed to be reliable, but we cannot assure you that this information is accurate or complete.
We have not independently verified any of the data from third-party sources nor have we verified the underlying economic assumptions relied
upon by those third parties. Similarly, internal company surveys, industry forecasts and market research, which we believe to be reliable
based upon management&rsquo;s knowledge of the industry, have not been verified by any independent sources. Our internal company surveys
are based on data we have collected over the past several years.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In this prospectus supplement, unless
otherwise expressly stated or the context otherwise requires, the terms &ldquo;we,&rdquo; &ldquo;us,&rdquo; the
&ldquo;Company,&rdquo; &ldquo;Southern First,&rdquo; and &ldquo;our&rdquo; refer to Southern First Bancshares, Inc.
and our subsidiaries on a combined basis. References to the &ldquo;Bank&rdquo; refer to Southern First Bank, our banking
subsidiary.</P>

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


<!-- Field: Page; Sequence: 6; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_002"></A>SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Statements included in this prospectus supplement,
the accompanying prospectus, including information incorporated herein by reference, which are not historical in nature are intended to
be, and are hereby identified as, forward-looking statements for purposes of the safe harbor provided by Section 27A of the Securities
Act of 1933 and Section 21E of the Exchange Act. The words &ldquo;may,&rdquo; &ldquo;will,&rdquo; &ldquo;anticipate,&rdquo; &ldquo;should,&rdquo;
&ldquo;would,&rdquo; &ldquo;believe,&rdquo; &ldquo;contemplate,&rdquo; &ldquo;expect,&rdquo; &ldquo;estimate,&rdquo; &ldquo;continue,&rdquo;
&ldquo;could,&rdquo; &ldquo;seek to,&rdquo; &ldquo;strive,&rdquo; &ldquo;focus,&rdquo; &ldquo;predict,&rdquo; &ldquo;project,&rdquo; &ldquo;potential,&rdquo;
&ldquo;assume,&rdquo; and &ldquo;intend,&rdquo; as well as other similar words and expressions of the future, are intended to identify
forward-looking statements. We caution readers that forward-looking statements are estimates reflecting our judgment based on current
information, and are subject to certain risks and uncertainties that could cause actual results to differ materially from anticipated
results. Such risks and uncertainties include, among others, the matters described in the &ldquo;Risk Factors&rdquo; of this prospectus
supplement and the accompanying prospectus and the following:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Restrictions or conditions imposed by our regulators on
our operations; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Increases in competitive pressure in the banking and financial
services industries;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in access to funding or increased regulatory requirements
with regard to funding, which could impair our liquidity; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in deposit flows, which may be negatively affected
by a number of factors, including rates paid by competitors, general interest rate levels, regulatory capital requirements, returns available
to clients on alternative investments and general economic or industry conditions; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in U.S. monetary policy, the level and volatility
of interest rates, the capital markets and other market conditions that may affect, among other things, our liquidity and the value of
our assets and liabilities; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Credit losses as a result of declining real estate values,
increasing interest rates, increasing unemployment, changes in payment behavior or other factors; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Credit losses due to loan concentration;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in the amount of our loan portfolio collateralized
by real estate and weaknesses in the real estate market; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our ability to successfully execute our business strategy;
</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our ability to attract and retain key personnel; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The success and costs of expansion into potential new markets;
</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risks with respect to future mergers or acquisitions, including
our ability to successfully expand and integrate the businesses and operations that we acquire and realize the anticipated benefits of
the mergers or acquisitions; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in the interest rate environment which could reduce
anticipated or actual margins, including due to the Federal Reserve lowering interest rates to stimulate economic growth; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in political, economic, legislative, or regulatory
conditions, including new governmental initiatives affecting the financial services industry and potential disruptions resulting from
U.S. federal government funding lapses, shutdowns, or related fiscal policy uncertainty;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in economic conditions resulting in, among other
things, a deterioration in credit quality; </FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 7; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes occurring in business conditions and inflation;
</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Increased cybersecurity risk, including potential business
disruptions or financial losses; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in technology; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The adequacy of the level of our allowance for credit losses
and the amount of loan loss provisions required in future periods; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Examinations by our regulatory authorities, including the
possibility that the regulatory authorities may, among other things, require us to increase our allowance for credit losses or write-down
assets; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The rate of delinquencies and amounts of loans charged-off;
</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Any increase in FDIC assessments which will increase our
cost of doing business;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The rate of loan growth in recent years and the lack of
seasoning of a portion of our loan portfolio; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our ability to maintain appropriate levels of capital and
to comply with our capital ratio requirements; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adverse changes in asset quality and resulting credit risk-related
losses and expenses; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Changes in accounting standards, rules and interpretations
and the related impact on our financial statements; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risks associated with actual or potential litigation or
investigations by customers, regulatory agencies or others; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adverse effects of failures by our vendors to provide agreed
upon services in the manner and at the cost agreed; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Risks associated with complex and changing regulatory environments,
including, among others, with respect to data privacy, artificial intelligence (&ldquo;AI&rdquo;), information security, climate change
or other environmental, social and governance matters, and labor matters, relating to our operations;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">The potential effects of events beyond our control that
may have a destabilizing effect on financial markets and the economy, such as epidemics and pandemics; war, terrorism, or other geopolitical
conflicts or instability, including the war in Ukraine, conflicts in the Middle East, instability or sanctions affecting Venezuela, and
tensions between China and Taiwan; disruptions in our customers&rsquo; supply chains or transportation networks; essential utility outages;
trade disputes and related tariffs; and disruptions caused by widespread cybersecurity incidents; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other risks and uncertainties detailed in Part I, Item 1A,
&ldquo;Risk Factors&rdquo; of our Annual Reports on Form 10-K and in Part II, Item 1A, &ldquo;Risk Factors&rdquo; of our Quarterly Reports
on Form 10-Q, and in our other reports filed with the SEC.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0">Some of the factors that could cause actual results to differ
from those expressed or implied in forward-looking statements are incorporated by reference under &ldquo;Risk Factors&rdquo; in this
prospectus supplement and the accompanying prospectus and may be described in any prospectus supplement and in the &ldquo;Risk
Factors&rdquo; and other sections of the documents that we incorporate by reference into this prospectus, including our Annual
Reports on Form 10-K and our Quarterly Reports on Form 10-Q and in our other reports filed with the SEC. Should one or more of these
risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual outcomes may vary materially from those
anticipated. All subsequent written and oral forward-looking statements attributable to us or persons acting on our behalf are
expressly qualified in their entirety by reference to these risks and uncertainties. You should not place undue reliance on our
forward-looking statements. Each forward-looking statement speaks only as of the date of the particular statement, and we do not
intend, and assume no obligation, to update the forward-looking statements or to update the reasons why actual results could differ
from those expressed in, or implied or projected by, the forward-looking statements, except as required by law.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<!-- Field: Page; Sequence: 8; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 5.4pt; border: Black 1pt solid; width: 98%">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_003"></A>PROSPECTUS SUPPLEMENT SUMMARY</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><I>This summary highlights selected information
contained or incorporated by reference in this prospectus supplement or the accompanying prospectus and may not contain all the information
that you need to consider in making your investment decision. To understand this offering fully, you should read this prospectus supplement
and the accompanying prospectus carefully. You should carefully read the sections titled &ldquo;Risk Factors&rdquo; in this prospectus
supplement and in the accompanying prospectus and the documents identified in the section &ldquo;Incorporation of Certain Information
by Reference.&rdquo; </I></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><I>S</I>outhern First Bancshares, Inc. is a South
Carolina corporation incorporated in March 1999 and is a bank holding company registered under the Bank Holding Company Act of 1956, as
amended. Our primary business is to serve as the holding company for Southern First Bank, a South Carolina state-chartered bank. The Bank
provides a range of commercial banking services, including accepting demand and savings deposits (which are insured by the FDIC up to
applicable limits) and originating commercial, consumer and mortgage loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Bank operates retail offices in South Carolina,
North Carolina and Georgia. We have eight retail offices located in the Greenville, Columbia and Charleston markets of South Carolina,
three retail offices located in the Raleigh, Greensboro and Charlotte markets of North Carolina, and one retail office located in Atlanta,
Georgia. In addition, in 2023 we opened our Dream Mortgage Center, a loan production office located in Columbia, South Carolina and expect
to open a retail office in Cary, North Carolina in late 2026.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As of December 31, 2025, we had total assets of
$4.40 billion, total loans of $3.85 billion, total deposits of $3.72 billion and total shareholders&rsquo; equity of $368.7 million.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We focus on relationship-based banking, delivering
personalized service to commercial and consumer clients in our local markets. Like most commercial banks, we generate a significant portion
of our revenue from net interest income, which represents the difference between interest earned on interest-earning assets (such as loans
and investment securities) and interest paid on interest-bearing liabilities (such as deposits and borrowings). We also generate revenue
from fees and other charges associated with the products and services we provide to our clients.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our common stock is listed on The Nasdaq Global
Market under the symbol &ldquo;SFST.&rdquo; Our principal executive offices are located at 6 Verdae Boulevard, Greenville, South Carolina
29607, and our telephone number is (864) 679-9000. Our website is <I>www.southernfirst.com</I>. Information contained on, or accessible
through, our website is not part of this prospectus supplement or the accompanying prospectus, and is not incorporated by reference herein
or therein. Additional information about us and our subsidiaries is included in the documents incorporated by reference in this prospectus
supplement and the accompanying prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Preliminary First Quarter 2026 Financial Information (Unaudited)</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our unaudited consolidated financial statements
as of and for the three months ended March 31, 2026 are not yet available. The following preliminary financial information for the quarter
ended March 31, 2026 is based solely on management&rsquo;s estimates derived from internal management reports and currently available
preliminary information and remains subject to the completion of our financial closing procedures and other customary quarter-end review
procedures, including our consideration of subsequent events. These procedures may result in material changes to the preliminary financial
information set forth below. Our independent registered public accounting firm has not audited, reviewed, compiled or performed any procedures
with respect to this preliminary financial information and, accordingly, does not express an opinion or any other form of assurance with
respect thereto. The preliminary financial information set forth below is not a complete presentation of our financial results as of and
for the three months ended March 31, 2026, and the final results as of and for the three months ended March 31, 2026 may differ materially
from the preliminary results set forth below. Accordingly, you should not place undue reliance on this preliminary financial information.
In addition, the estimates set forth below constitute forward-looking statements and are subject to risks and uncertainties. These estimates
should be read together with our Annual Report on Form 10-K and other filings with the SEC, as well as the section captioned &ldquo;Special
Note Regarding Forward-Looking Statements&rdquo; in this prospectus supplement. We undertake no obligation to update or revise this</P>

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

</DIV>

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

<!-- Field: Page; Sequence: 9; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 5.4pt; border: Black 1pt solid; width: 98%">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">preliminary financial information prior to the release of our final
financial results for the quarter ended March 31, 2026, except as required by law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following tables present selected preliminary
financial information for the quarter ended or as of March 31, 2026, as applicable:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Selected Preliminary Operating Metrics</I></B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; width: 45%; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="padding-left: 5.4pt; text-align: center; width: 35%; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Three Months Ended <BR>
March 31, 2026 <BR>
Preliminary<SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="white-space: nowrap; padding-left: 5.4pt; text-align: center; width: 20%; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Three Months Ended<BR>
 December 31, 2025<BR>
 Actual</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net income</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately $9.9 million</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$9.857 million</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest income</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately $30.3 million (including $543 thousand in interest recoveries)</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$28.744 million</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Net interest margin (tax-equivalent)<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 2.88%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.72%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Provision for credit losses</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately $1.3 million (including approximately $150 thousand for<BR>
 unfunded commitments)</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest income</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately $3.5 million</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$3.090 million</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Noninterest expense</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately $20.0 million</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$18.416 million</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return on average assets</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 0.9%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.90%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Return on average equity</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 10.7%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.77%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Efficiency ratio<SUP>(3)</SUP></FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 59.2%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56.93%</FONT></TD></TR>
  </TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD><FONT STYLE="font-size: 10pt">Net interest margin is presented on a tax-equivalent basis. The tax-equivalent adjustment to net interest
income adjusts the yield for assets earning tax-exempt income to a comparable yield on a taxable basis.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD><FONT STYLE="font-size: 10pt">The preliminary financial information set forth in the table above reflects management&rsquo;s current
estimates based solely on information available as of the date hereof and remains subject to completion of financial closing procedures
and other quarter-end review procedures.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(3)</FONT></TD><TD><FONT STYLE="font-size: 10pt">Efficiency ratio is a non-GAAP financial measure. See &ldquo;Non-GAAP Financial Measures&rdquo; and
the reconciliation below.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Selected Preliminary Balance Sheet, Asset Quality and Capital
Metrics</I></B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 45%">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 5.4pt; width: 35%; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>As of March 31, 2026 <BR>
Preliminary<SUP>(4)</SUP></B></FONT></TD>
    <TD STYLE="white-space: nowrap; text-align: center; padding-left: 5.4pt; width: 20%; vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>As of December 31,&nbsp;2025 <BR>
Actual</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total loans (excluding loans held for sale)<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately $3.94 billion</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$3.845 billion</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total deposits</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately $3.87 billion</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$3.717 billion</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Retail deposits<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately $3.37 billion</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$3.164 billion</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Nonperforming assets / total assets</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 0.26%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">0.32%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Annualized net charge-offs / average loans</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 0.01%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&mdash;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible common equity / tangible assets<SUP>(3)</SUP></FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 8.3%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.37%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 leverage ratio</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 9.1%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.93%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common equity Tier 1 capital ratio</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 11.0%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.06%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 risk-based capital ratio</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 11.4%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.44%</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total risk-based capital ratio</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">approximately 12.8%</FONT></TD>
    <TD STYLE="padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.89%</FONT></TD></TR>
  </TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD><FONT STYLE="font-size: 10pt">Total loans exclude loans held for sale.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD><FONT STYLE="font-size: 10pt">Retail deposits are defined as total deposits less wholesale deposits. Wholesale deposits are expected
to consist of brokered deposits totaling approximately $501.7 million as of March 31, 2026 and consisted of</FONT></TD></TR></TABLE>

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

</DIV>

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

<!-- Field: Page; Sequence: 10; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 5.4pt; border: Black 1pt solid; width: 98%">

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"></TD><TD STYLE="text-align: left">brokered deposits totaling $552.9 million as of December 31, 2025; wholesale deposits are expected
                                                                                to decline 9.3% compared to December 31, 2025.</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(3)</FONT></TD><TD><FONT STYLE="font-size: 10pt">Tangible common equity to tangible assets is a non-GAAP financial measure. See &ldquo;Non-GAAP Financial
Measures&rdquo; and the reconciliation below.</FONT></TD></TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-size: 10pt">(4)</FONT></TD><TD><FONT STYLE="font-size: 10pt">The preliminary financial information set forth in the table above reflects management&rsquo;s current
estimates based solely on information available as of the date hereof and remains subject to completion of financial closing procedures
and other quarter-end review procedures.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Compared to the quarter ended December 31, 2025, we expect:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>net interest income and net interest margin to improve in the quarter ended March 31, 2026, reflecting continued balance sheet repricing
and lower funding costs, including an approximate 13 basis point decline in the cost of total deposits from the quarter ended December
31, 2025; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>noninterest expense to increase on a linked-quarter basis, primarily due to seasonal increases in compensation and benefits expense.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For the quarter ended March 31, 2026 or as of March 31, 2026, as applicable,
we also expect:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>net income of approximately $9.9 million, as compared to $5.266 million for the quarter ended March 31, 2025 (approximately +88% year-over-year);</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>continued balance sheet growth, with total loans of approximately $3.94 billion, total deposits of approximately $3.87 billion and
retail deposits of approximately $3.37 billion, representing approximately 10% annualized loan growth, approximately 17% annualized total
deposit growth and approximately 27% annualized retail deposit growth from December 31, 2025;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>continued solid asset quality, including nonperforming assets to total assets of approximately 0.26% and annualized net charge-offs
to average loans of approximately 0.01%; nonperforming asset balances are expected to decline approximately 15% from December 31, 2025;
and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>solid capital levels, with tangible common equity to tangible assets, Tier 1 leverage ratio, common equity Tier 1 capital ratio, Tier
1 risk-based capital ratio and total risk-based capital ratio of approximately 8.3%, 9.1%, 11.0%, 11.4% and 12.8%, respectively.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Non-GAAP Financial Measures</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-indent: 0.5in; margin: 0pt 0">Tangible common equity to tangible assets and efficiency ratio are
non-GAAP financial measures. Tangible common equity to tangible assets is calculated as total common equity less total intangible assets,
divided by total assets less total intangible assets. Efficiency ratio is calculated as total noninterest expense divided by total revenue,
adjusted to exclude net gains on sale of securities. Management believes these non-GAAP financial measures provide investors with useful
supplemental information regarding the Company&rsquo;s capital strength and operating performance. These non-GAAP financial measures should
not be considered in isolation or as substitutes for their most directly comparable GAAP measures. Reconciliations of these non-GAAP financial
measures to the most directly comparable GAAP measures are set forth below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Tangible Common Equity / Tangible Assets</I></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; width: 59%; text-align: left">($000s)</TD>
    <TD STYLE="white-space: nowrap; width: 1%; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="white-space: nowrap; width: 19%; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>As of March 31, 2026<BR> (Preliminary)<SUP>(2)</SUP></B></FONT></TD><TD STYLE="white-space: nowrap; width: 1%; font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 19%; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>As of December 31, 2025 <BR> (Actual)</B></FONT></TD><TD STYLE="white-space: nowrap; width: 1%; font-weight: bold; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Total common equity</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">379,413</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">368,657</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in">Goodwill</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.125in">Other intangibles</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Less: total intangible assets</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Tangible common equity</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">379,413</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">368,657</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Total assets</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,578,402</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">4,403,494</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0.125in">Goodwill</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  </TABLE>


<P STYLE="margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

</DIV>

<P STYLE="margin: 0"><FONT STYLE="font-size: 10pt"></FONT></P>

<!-- Field: Page; Sequence: 11; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 5.4pt; border: Black 1pt solid; width: 98%">

<P STYLE="margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="margin: 0"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; width: 59%; text-align: left">($000s)</TD>
    <TD STYLE="white-space: nowrap; width: 1%; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="white-space: nowrap; width: 19%; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>As
                                            of March 31, 2026<BR> (Preliminary)</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 8pt"><SUP>(2)</SUP></FONT></B></TD><TD STYLE="white-space: nowrap; width: 1%; font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 19%; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>As of December 31, 2025 <BR> (Actual)</B></FONT></TD><TD STYLE="white-space: nowrap; width: 1%; font-weight: bold; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0.125in">Other intangibles</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Less: total intangible assets</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Tangible assets</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,578,402</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">4,403,494</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tangible Common Equity / Tangible Assets<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.29</TD><TD STYLE="text-align: left">%</TD>
    <TD STYLE="text-align: right">8.37</TD><TD STYLE="text-align: left">%</TD></TR>
  </TABLE>


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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="white-space: nowrap; width: 59%; text-align: left">($000s)</TD>
    <TD STYLE="white-space: nowrap; width: 1%; font-weight: bold; text-align: center">&nbsp;</TD><TD STYLE="white-space: nowrap; width: 19%; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Three Months Ended<BR> March 31, 2026<BR> (Preliminary)<SUP>(2)</SUP></B></FONT></TD><TD STYLE="white-space: nowrap; width: 1%; font-weight: bold; text-align: center">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 19%; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Three Months Ended<BR> December 31, 2025<BR> (Actual)</B></FONT></TD><TD STYLE="white-space: nowrap; width: 1%; font-weight: bold; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">GAAP-based efficiency ratio</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">59.22</TD><TD STYLE="text-align: left">%</TD>
    <TD STYLE="text-align: right">57.85</TD><TD STYLE="text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Net interest income</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">30,259</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">28,744</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Noninterest income</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,540</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">3,090</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Total revenue</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">33,799</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">31,834</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Less: net gains on sale of securities</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">(515</TD><TD STYLE="text-align: left">)</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Adjusted total revenue</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">33,799</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">32,349</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Total noninterest expense</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,015</TD><TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">18,416</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Efficiency Ratio<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">59.22</TD><TD STYLE="text-align: left">%</TD>
    <TD STYLE="text-align: right">56.93</TD><TD STYLE="text-align: left">%</TD></TR>
  </TABLE>


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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">(1)</TD><TD STYLE="text-align: left">Tangible common equity to tangible assets and efficiency ratio
are non-GAAP financial measures. Tangible common equity to tangible assets is calculated as total common equity less total intangible
assets, divided by total assets less total intangible assets. Efficiency ratio is calculated as total noninterest expense divided by
total revenue, adjusted to exclude net gains on sale of securities.</TD>
</TR></TABLE>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">(2)</TD><TD STYLE="text-align: left">The March 31, 2026 amounts set forth in the tables above are
preliminary and reflect management&rsquo;s current estimates based solely on information available as of the date hereof and remain subject
to completion of financial closing procedures and other quarter-end review procedures.</TD>
</TR></TABLE>

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

</DIV>

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

<!-- Field: Page; Sequence: 12; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

<DIV STYLE="padding: 5.4pt; border: Black 1pt solid; width: 98%">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_004"></A>THE OFFERING</B></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; width: 36%; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Issuer</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; width: 64%; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Southern First Bancshares, Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Shares offered</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
    (or&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares if the underwriters exercise in full their option
    to purchase additional shares).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Offering price</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per share.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Option to purchase additional shares</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We have granted the underwriters an option, exercisable
    not later than 30 days after the date of this prospectus supplement, to purchase up to an additional &#8195;&#8195;&#8195;&#8195;shares
    of our common stock (equal to 15% of the shares offered) on the same terms and conditions set forth above.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Shares outstanding after completion of the offering</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
    (or&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; shares if the underwriters exercise in full their option
    to purchase additional shares).</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Use of proceeds</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
        intend to use the net proceeds of the offering for general corporate purposes, which may include supporting organic growth initiatives,
        providing capital to our bank subsidiary, redeeming or repurchasing outstanding indebtedness, including subordinated debt, and
        for working capital purposes. See &ldquo;Use of Proceeds&rdquo; on page S-13.</FONT></P>

  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Trading market</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our common stock is traded on The Nasdaq Global Market.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Trading symbol</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">SFST</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Dividends and distributions</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We
        have not declared or paid any cash dividends on our common stock since our inception. For the foreseeable future, we do not intend
        to declare cash dividends. We intend to retain earnings to grow our business and strengthen our capital base. For additional
        information, see &ldquo;Risk Factors &mdash; Risks Related to Our Common Stock and this Offering.&rdquo;&nbsp;</FONT></P>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Risk factors</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investing in our common stock involves risks. You should
    carefully consider the information under &ldquo;Risk Factors&rdquo; beginning on page S-9 and the other information included or
    incorporated by reference in this prospectus supplement and the accompanying prospectus before investing in our common stock.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>Lock-up agreements</I></FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">We and each of our executive officers and directors
    have entered into lock-up agreements, which restrict such persons from engaging in certain transactions in our securities during
    the Lock-Up Period (as defined below) without the consent of the underwriters. See &ldquo;Underwriting&mdash;Lock-Up Agreements&rdquo;
    for additional information.</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">Unless otherwise noted, references in this prospectus
supplement to the number of shares of common stock outstanding after this offering are based on 8,247,665 shares of our common stock issued
and outstanding as of March 31, 2026. Unless otherwise noted, the information in this prospectus supplement is based on the following
assumptions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Excludes
an aggregate of 312,532 shares reserved for issuance under our equity compensation plans subject to outstanding awards; and</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assumes
no exercise of the underwriters&rsquo; option to purchase additional shares of our common stock.</FONT></TD>
</TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: -0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

</DIV>

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

<!-- Field: Page; Sequence: 13; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_005"></A>RISK FACTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><I>An investment in our common stock involves significant
risks. You should consider carefully the risk factors described below and the risk factors concerning our business included in our Annual
Report on Form 10-K for the period ended December 31, 2025, together with all of the other information included in or incorporated by
reference into this prospectus supplement and the accompanying prospectus, as the same may be updated from time to time by our future
filings with the SEC under the Exchange Act, before making a decision to invest in our common stock. The risks and uncertainties described
below are not the only ones we face. Additional risks and uncertainties not presently known to us or that we currently deem immaterial
may also have a material adverse effect on our business, financial condition and results of operations. If any of the matters included
in the following information about risk factors were to occur, our business, financial condition, results of operations, cash flows or
prospects could be materially and adversely affected. In such case, you may lose all or a substantial part of your investment. </I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Risks Related to Our Common Stock and this Offering</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Our ability to pay cash dividends is limited, and we may be unable
to pay future dividends even if we desire to do so.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Federal Reserve has issued a policy statement
regarding the payment of dividends by bank holding companies. In general, the Federal Reserve&rsquo;s policies provide that dividends
should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears
consistent with the organization&rsquo;s capital needs, asset quality and overall financial condition. The Federal Reserve&rsquo;s policies
also require that a bank holding company serve as a source of financial strength to its subsidiary banks by standing ready to use available
resources to provide adequate capital funds to those banks during periods of financial stress or adversity and by maintaining the financial
flexibility and capital-raising capacity to obtain additional resources for assisting its subsidiary banks where necessary. Further, under
the prompt corrective action regulations, the ability of a bank holding company to pay dividends may be restricted if a subsidiary bank
becomes undercapitalized. These regulatory policies could affect the ability of the Company to pay dividends or otherwise engage in capital
distributions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Statutory and regulatory limitations apply to the
Bank&rsquo;s payment of dividends to the Company. As a South Carolina chartered bank, the Bank is subject to limitations on the amount
of dividends that it is permitted to pay. Unless otherwise instructed by the S.C. Board, the Bank is generally permitted under South Carolina
state banking regulations to pay cash dividends of up to 100% of net income in any calendar year without obtaining the prior approval
of the S.C. Board. The FDIC also has the authority under federal law to enjoin a bank from engaging in what in its opinion constitutes
an unsafe or unsound practice in conducting its business, including the payment of a dividend under certain circumstances. If the Bank
is not permitted to pay cash dividends to the Company, it is unlikely that we would be able to pay cash dividends on our common stock.
Moreover, holders of our common stock are entitled to receive dividends only when, and if declared by our board of directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>We do not anticipate paying any cash dividends in the foreseeable
future.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have not historically paid cash dividends and
we currently intend to retain our future earnings, if any, for the foreseeable future, to improve our capital structure and fund the development
and growth of our business. We do not intend to pay any dividends to holders of our common stock following the offering. As a result,
capital appreciation in the price of our common stock, if any, will be your only source of gain on an investment in our common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Management and our board of directors have significant discretion
over the investment of the offering proceeds and may not be able to achieve acceptable returns on the proceeds from the offering.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We intend to use the net proceeds of the offering
for general corporate purposes, which may include supporting organic growth initiatives, providing capital to our bank subsidiary, redeeming
or repurchasing outstanding indebtedness, including subordinated debt, and for working capital purposes. We have not, however, identified
specific amounts of proceeds for any of these purposes and we will have significant flexibility in determining the amount of net proceeds
we apply to different uses and the timing of these applications. Our</P>

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

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

<!-- Field: Page; Sequence: 14; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">shareholders may not agree with the manner in which our management
chooses to allocate and invest the net proceeds. Our failure to utilize these funds effectively could reduce our profitability. We have
not established a timetable for the effective deployment of the proceeds on a long-term basis, and we cannot predict how long we will
need to deploy the proceeds effectively. Investing the offering proceeds in securities until we are able to deploy the proceeds will provide
lower margins than we generally earn on loans, potentially adversely affecting stockholder returns, including earnings per share, return
on assets and return on equity.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Our stock price may be volatile, which could result in losses
to our investors and litigation against us.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our stock price has been volatile in the past and
several factors could cause the price to fluctuate substantially in the future. These factors include but are not limited to: actual or
anticipated variations in earnings, changes in analysts&rsquo; recommendations or projections, our announcement of developments related
to our businesses, operations and stock performance of other companies deemed to be peers, new technology used or services offered by
traditional and non-traditional competitors, news reports of trends, irrational exuberance on the part of investors, new federal banking
regulations, and other issues related to the financial services industry. In addition, changes in interest rates or market expectations
regarding interest rates, including changes in the shape of the yield curve, may adversely affect investor sentiment toward financial
institutions generally and our common stock in particular. Our stock price may fluctuate significantly in the future, and these fluctuations
may be unrelated to our performance. General market declines or market volatility in the future, especially in the financial institutions
sector, could adversely affect the price of our common stock, and the current market price may not be indicative of future market prices.
Stock price volatility may make it more difficult for you to resell your common stock when you want and at prices you find attractive.
Moreover, in the past, securities class action lawsuits have been instituted against some companies following periods of volatility in
the market price of its securities. We could in the future be the target of similar litigation. Securities litigation could result in
substantial costs and divert management&rsquo;s attention and resources from our normal business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Future sales of our stock by our shareholders or the perception
that those sales could occur may cause our stock price to decline.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Although our common stock is listed for trading
on The Nasdaq Global Market, the trading volume in our common stock is lower than that of other larger financial services companies. A
public trading market having the desired characteristics of depth, liquidity and orderliness depends on the presence in the marketplace
of willing buyers and sellers of our common stock at any given time. This presence depends on the individual decisions of investors and
general economic and market conditions over which we have no control. Limited trading volume and limited analyst coverage of our common
stock may contribute to price volatility and may make it difficult for investors to buy or sell shares at prices they find attractive.
Given the relatively low trading volume of our common stock, significant sales of our common stock in the public market, or the perception
that those sales may occur, could cause the trading price of our common stock to decline or to be lower than it otherwise might be in
the absence of those sales or perceptions.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Economic and other circumstances may require us to raise capital
at times or in amounts that are unfavorable to us. If we have to issue shares of common stock, they will dilute the percentage ownership
interest of existing shareholders and may dilute the book value per share of our common stock and adversely affect the terms on which
we may obtain additional capital.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may need to incur additional debt or equity
financing in the future to make strategic acquisitions or investments or to strengthen our capital position. Our ability to raise additional
capital, if needed, will depend on, among other things, conditions in the capital markets at that time, which are outside of our control
and our financial performance. We cannot provide assurance that such financing will be available to us on acceptable terms or at all,
or if we do raise additional capital that it will not be dilutive to existing shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If we determine, for any reason, that we need to
raise capital, subject to applicable Nasdaq rules, our board generally has the authority, without action by or vote of the shareholders,
to issue all or part of any authorized but unissued shares of stock for any corporate purpose, including issuance of equity-based incentives
under or outside of our equity compensation plans. Additionally, we are not restricted from issuing additional common stock or preferred
stock, including any securities that are convertible into or exchangeable for, or that represent the right to</P>

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

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

<!-- Field: Page; Sequence: 15; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">receive, common stock or preferred stock or any substantially similar
securities. The market price of our common stock could decline as a result of sales by us of a large number of shares of common stock
or preferred stock or similar securities in the market or from the perception that such sales could occur. If we issue preferred stock
that has a preference over the common stock with respect to the payment of dividends or upon liquidation, dissolution or winding-up, or
if we issue preferred stock with voting rights that dilute the voting power of the common stock, the rights of holders of the common stock
or the market price of our common stock could be adversely affected. Any issuance of additional shares of stock will dilute the percentage
ownership interest of our shareholders and may dilute the book value per share of our common stock. Shares we issue in connection with
any such offering will increase the total number of shares and may dilute the economic and voting ownership interest of our existing shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Provisions of our articles of incorporation and bylaws, South
Carolina law, and state and federal banking regulations, could delay or prevent a takeover by a third party.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our articles of incorporation and bylaws could
delay, defer, or prevent a third party takeover, despite possible benefit to the shareholders, or otherwise adversely affect the price
of our common stock. Our governing documents:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">authorize a class of preferred stock that may be issued in series with terms,
including voting rights, established by the board of directors without shareholder approval;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">authorize 20,000,000 shares of common stock and 10,000,000 shares of preferred
stock that may be issued by the board of directors without shareholder approval;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">require advance notice of proposed nominations for election to the board
of directors and business to be conducted at a shareholder meeting;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">grant the board of directors the discretion, when considering whether a proposed
merger or similar transaction is in the best interests of the Company and our shareholders, to take into account the effect of the transaction
on the employees, clients and suppliers of the Company and upon the communities in which offices of the Company are located, to the extent
permitted by South Carolina law;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">provide that the number of directors shall be fixed from time to time by
resolution adopted by a majority of the directors then in office, but may not consist of fewer than five nor more than 25 members; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">provide that no individual who is or becomes a &quot;business competitor&quot;
or who is or becomes affiliated with, employed by, or a representative of any individual, corporation, or other entity which the board
of directors, after having such matter formally brought to its attention, determines to be in competition with us or any of our subsidiaries
(any such individual, corporation, or other entity being a &quot;business competitor&quot;) shall be eligible to serve as a director if
the board of directors determines that it would not be in our best interests for such individual to serve as a director (any financial
institution having branches or affiliates within Greenville County, South Carolina is presumed to be a business competitor unless the
board of directors determines otherwise). </FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In addition, the South Carolina business combinations
statute provides that a 10% or greater shareholder of a resident domestic corporation cannot engage in a &quot;business combination&quot;
(as defined in the statute) with such corporation for a period of two years following the date on which the 10% shareholder became such,
unless the business combination or the acquisition of shares is approved by a majority of the disinterested members of such corporation's
board of directors before the 10% shareholder's share acquisition date. This statute further provides that at no time (even after the
two-year period subsequent to such share acquisition date) may the 10% shareholder engage in a business combination with the relevant
corporation unless certain approvals of the board of directors or disinterested shareholders are obtained or unless the consideration
given in the combination meets certain minimum standards set forth in the statute. The law is very broad in its scope and is designed
to inhibit unfriendly acquisitions, but it does not apply to corporations whose articles of incorporation contain a provision electing
not to be covered by the law. Our articles of incorporation do not contain such a provision. An amendment of our articles of incorporation
to that effect would, however, permit a business combination with an interested shareholder even though that status was obtained prior
to the amendment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Finally, the Change in Bank Control Act and the
BHCA generally require filings and approvals prior to certain transactions that would result in a party acquiring control of the Company
or the Bank.</P>

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

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

<!-- Field: Page; Sequence: 16; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Our common stock is not an insured deposit and is not guaranteed
by the FDIC. </I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Shares of our common stock are not a bank deposit
and, therefore, losses in value are not insured by the FDIC, any other deposit insurance fund or by any other public or private entity.
Investment in shares of our common stock is inherently risky for the reasons described herein and our shareholders will bear the risk
of loss if the value or market price of our common stock is adversely affected.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-align: left"><B><I>Our common stock is equity and is therefore
subordinate to our existing and future indebtedness and preferred stock.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Shares of common stock are equity interests and
do not constitute indebtedness. As such, shares of common stock will rank junior to all of our indebtedness and to other non-equity claims
against us and our assets available to satisfy claims against us, including in our liquidation. Additionally, holders of our common stock
are subject to the prior dividend and liquidation rights of holders of our outstanding preferred stock. Our board of directors is authorized
to issue classes or series of preferred stock without any action on the part of the holders of our common stock and we are permitted to
incur additional debt. Upon liquidation, lenders and holders of our debt securities and preferred stock would receive distributions of
our available assets prior to holders of our common stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt"><B><I>Resales of shares of our common stock in
the public market following this offering may cause their market price to fall.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We are issuing shares of our common stock in this
offering. This issuance of these new shares of common stock could have the effect of depressing the market price for shares of our common
stock.</P>

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

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

<!-- Field: Page; Sequence: 17; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_006"></A>USE OF PROCEEDS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We estimate that the net proceeds to us from this
offering will be approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;million, or approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;million
if the underwriters exercise in full their option to purchase additional shares, in each case, after deducting underwriting discounts
and commissions and the estimated offering expenses payable by us.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We intend to use the net proceeds of the offering
for general corporate purposes, which may include supporting organic growth initiatives, providing capital to our bank subsidiary, redeeming
or repurchasing outstanding indebtedness, including subordinated debt, and for working capital purposes. We currently expect to redeem
approximately $11.5 million of our outstanding subordinated debt, although the timing and ultimate application of proceeds will remain
subject to management discretion.</P>

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

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

<!-- Field: Page; Sequence: 18; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_007"></A>CAPITALIZATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following table sets forth our capitalization
as of December 31, 2025. Our capitalization is presented:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">on
an actual basis; and</FONT></TD>
</TR></TABLE>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">on an as adjusted basis to reflect the sale of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;shares
of our common stock offered by us at the public offering price of $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per share in this offering,
after deducting the underwriting discounts and our estimated offering expenses and giving effect to the redemption of approximately $11.5
million of subordinated debt, as described under &ldquo;Use of Proceeds&rdquo; (assuming the underwriters&rsquo; option to purchase additional
shares from us is not exercised).</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This table should be read in conjunction with,
and is qualified in its entirety by reference to, the information appearing under &ldquo;Use of Proceeds&rdquo; included elsewhere in
this prospectus supplement, our historical financial statements and related notes incorporated by reference into this prospectus supplement.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1pt; font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; font-weight: bold; text-decoration: none"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="border-bottom: Black 1pt solid; font-weight: bold; text-decoration: none; text-align: center"><FONT STYLE="font-size: 10pt">December
    31, 2025</FONT></TD><TD STYLE="padding-bottom: 1pt; font-weight: bold; text-decoration: none"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; padding-bottom: 1pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><I>(in
    thousands, except share data)</I></FONT></TD><TD STYLE="text-decoration: none; white-space: nowrap; padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-decoration: none; font-weight: bold; text-align: center"><FONT STYLE="font-size: 10pt">Actual</FONT></TD><TD STYLE="text-decoration: none; white-space: nowrap; padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-decoration: none; white-space: nowrap; padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; white-space: nowrap; text-decoration: none; font-weight: bold; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-decoration: none"><B>As
    Adjusted for<BR>
    this Offering<SUP>(1)</SUP></B></FONT></TD><TD STYLE="text-decoration: none; white-space: nowrap; padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 76%; font-weight: bold; text-align: left"><FONT STYLE="font-size: 10pt">Cash and cash equivalents</FONT></TD><TD STYLE="width: 1%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="width: 9%; text-align: right"><FONT STYLE="font-size: 10pt">269,583</FONT></TD><TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="width: 9%; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold"><FONT STYLE="font-size: 10pt">Liabilities:</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 10pt">Deposits</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3,716,803</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Federal Home Loan Bank advances and other borrowings</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">240,000</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Subordinated debentures</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">24,903</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Other liabilities</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">53,131</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-size: 10pt">Shareholders&rsquo; Equity:</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: -0.125in; text-align: left"><FONT STYLE="font-size: 10pt">Preferred stock, par value $0.01 per share, 10,000,000 shares<BR>
 authorized,
    none issued and outstanding</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-indent: -0.125in"><FONT STYLE="font-size: 10pt">Common stock, par value $0.01 per share, 20,000,000 shares<BR>
 authorized, 8,213,328 shares issued
    and outstanding at December 31, 2025</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">82</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Nonvested restricted stock</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(1,338</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">)</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Additional paid-in capital</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">125,924</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Accumulated other comprehensive loss</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">(7,454</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">)</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Retained earnings</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">251,443</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-align: left; padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">Total shareholders&rsquo; equity</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-size: 10pt">368,657</FONT></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 0.125in; text-align: left; padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">Total liabilities and shareholders&rsquo; equity</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-size: 10pt">4,403,494</FONT></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">Book value per common share</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-size: 10pt">44.89</FONT></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: left"><FONT STYLE="font-size: 10pt">Holding Company Capital Ratios:</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Total risk-based capital ratio</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">12.89</FONT></TD><TD STYLE="text-align: left">%</TD><TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: left">%<FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Tier 1 risk-based capital ratio</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">11.44</FONT></TD><TD STYLE="text-align: left">%</TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Leverage ratio</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">8.93</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt"></FONT>%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Common equity tier 1 ratio</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">11.06</FONT></TD><TD STYLE="text-align: left">%</TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">%</TD></TR>
  <TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Common equity</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">8.37</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">%</TD></TR>
  </TABLE>


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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 9.5pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><SUP>(1)</SUP></TD><TD STYLE="text-align: left">As adjusted amounts give effect to the assumed completion of
this offering and the anticipated redemption of approximately $11.5 million of subordinated debt.</TD>
</TR></TABLE>

<P STYLE="text-align: center; font: 9.5pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"></P>

<!-- Field: Page; Sequence: 19; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 9.5pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><B><A NAME="SP_008"></A>DESCRIPTION OF OUR CAPITAL STOCK</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our articles of incorporation authorize the issuance
of capital stock consisting of 20,000,000 shares of common stock, par value $0.01 per share, and 10,000,000 shares of preferred stock,
par value $0.01 per share. See &ldquo;Description of Common Stock&rdquo; and &ldquo;Description of Preferred Stock&rdquo; on page 24 and
18 respectively, of the accompanying prospectus and the information incorporated by reference therein for additional information regarding
our capital stock.</P>

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

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

<!-- Field: Page; Sequence: 20; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_009"></A>UNDERWRITING</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We and Piper Sandler &amp; Co., as representative
for the underwriters named below, have entered into an underwriting agreement with respect to our common stock being offered hereby. Subject
to the terms and conditions contained in the underwriting agreement, we have agreed to sell to the underwriters and each underwriter has
agreed to purchase, at the public offering price less the underwriting discount set forth on the cover page of this prospectus supplement,
the number of shares of our common stock set forth opposite its name in the table below.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5.4pt; border: Black 1pt solid; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Name</B></FONT></TD>
    <TD STYLE="padding-left: 5.4pt; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 50%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Number
    of Shares</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Piper
    Sandler &amp; Co.</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Keefe,
    Bruyette &amp; Woods, Inc.</FONT></TD>
    <TD STYLE="padding-left: 5.4pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The obligations of the underwriters under the underwriting
agreement are several and not joint. The underwriting agreement provides that the underwriters&rsquo; obligation to purchase our common
stock depends on the satisfaction of certain conditions precedent contained in the underwriting agreement, including, among others:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">the representations and warranties made by us are true and
our obligations have been performed;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">there is no material adverse change in the financial markets
or in our business; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">we deliver customary closing documents.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Subject to those conditions, the underwriters have
severally agreed to purchase and pay for all such common stock if any are purchased. However, the underwriters are not obligated to take
or pay for the shares of common stock covered by the underwriters&rsquo; purchase option described below, unless and until such option
is exercised.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The common stock is being offered by the underwriters,
subject to prior sale, when, as and if issued to and accepted by them, subject to approval of certain legal matters by counsel for the
underwriters and other conditions specified in the underwriting agreement. The underwriters reserve the right to withdraw, cancel or modify
this offer and to reject orders in whole or in part. The obligations of the underwriters may also be terminated upon the occurrence of
the events specified in the underwriting agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Purchase Option</I></B>. We have granted
to the underwriters an option, exercisable for up to 30 days after the date of the underwriting agreement, to purchase up to &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;additional
shares of our common stock at the public offering price less the underwriting discount set forth on the cover page of this prospectus
supplement. We will be obligated to sell these shares of our common stock to the underwriters to the extent the purchase option is exercised.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Discounts and Expenses</I></B>. The underwriters
propose to offer shares of our common stock directly to the public at the offering price set forth on the cover page of this prospectus
supplement and to certain securities dealers at the public offering price less a concession not in excess of $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per share. If all of the
shares of our common stock are not sold at the public offering price, the underwriters may change the offering price and other selling
terms.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following table shows the per share and total
underwriting discount that we will pay to the underwriters and the proceeds we will receive before expenses. These amounts are shown assuming
both no exercise and full exercise of the underwriters&rsquo; option to purchase additional shares.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 12pt Times New Roman, Times, Serif">
  <TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD STYLE="background-color: White; text-align: center">&nbsp;</TD><TD STYLE="background-color: White">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="background-color: White; text-align: center">&nbsp;</TD><TD STYLE="background-color: White">&nbsp;</TD><TD STYLE="background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="background-color: White; font-size: 8pt; font-weight: bold; text-align: center">Total Without</TD><TD STYLE="background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD><TD STYLE="background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="background-color: White; font-size: 8pt; font-weight: bold; text-align: center">Total With</TD><TD STYLE="background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 1pt; background-color: White; text-align: center">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; background-color: White; font-size: 8pt; font-weight: bold; text-align: center">Per share</TD><TD STYLE="padding-bottom: 1pt; background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; background-color: White; font-size: 8pt; font-weight: bold; text-align: center">Purchase&nbsp;Option Exercise</TD><TD STYLE="padding-bottom: 1pt; background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; background-color: White; font-size: 8pt; font-weight: bold; text-align: center">Purchase&nbsp;Option Exercise</TD><TD STYLE="padding-bottom: 1pt; background-color: White; font-size: 8pt; font-weight: bold">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 64%; font-size: 10pt">Public offering price</TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 9%; font-size: 10pt; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 9%; font-size: 10pt; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="width: 1%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 1%; font-size: 10pt; text-align: left">$</TD><TD STYLE="width: 9%; font-size: 10pt; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="width: 1%; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left">Underwriting discounts payable by us</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="font-size: 10pt; text-align: left">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-size: 10pt; text-align: left; padding-bottom: 1pt">Proceeds to us (before expenses)</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD><TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: left">$</TD><TD STYLE="font-size: 10pt; text-align: right">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD><TD STYLE="padding-bottom: 1pt; font-size: 10pt; text-align: left">&nbsp;</TD></TR>
</TABLE>

<P STYLE="margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<!-- Field: Page; Sequence: 21; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We estimate that the total expenses of the offering,
excluding the underwriting discount, will be approximately $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; and are payable by us. We have agreed to pay certain expenses of the offering
and, in the circumstances and to the extent set forth in the underwriting agreement, to reimburse the underwriters for certain reasonable
out&#45;of&#45;pocket expenses incurred in connection with the offering, subject to the limitations contained in the underwriting agreement.
In accordance with Financial Industry Regulatory Authority, Inc. Rule 5110, these reimbursed expenses are deemed underwriting compensation
for this offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Lock-up Agreements</I></B>. We, and each
of our executive officers and directors, have agreed, subject to certain exceptions, for a period beginning on the date of the underwriting
agreement and continuing through the date that is 90 days after the date of the underwriting agreement (the &ldquo;Lock-Up Period&rdquo;),
not to, without the prior written consent of Piper Sandler &amp; Co., as representative of the underwriters, directly or indirectly (i)
offer, pledge, sell, contract to sell or otherwise transfer or dispose of any shares of our common stock or any securities convertible
into or exercisable or exchangeable for our common stock, (ii) file any registration statement with respect to any of the foregoing, or
(iii) enter into any swap or other transaction that transfers, in whole or in part, directly or indirectly, the economic consequences
of ownership of our common stock, whether any such transaction is to be settled by delivery of our common stock or other securities, in
cash or otherwise. The lock-up agreements contain customary exceptions, including transfers as bona fide gifts, transfers for estate planning
purposes, transfers by operation of law, certain pledges existing as of the date of the lock-up agreement, exercises or vesting of equity
awards and transfers to satisfy tax withholding obligations, in each case subject to the conditions set forth in the lock-up agreements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Indemnification and Contribution</I></B>.
We have agreed to indemnify the underwriters, and persons who control the underwriters, and the underwriters&rsquo; respective partners,
directors, officers, employees and agents, against certain liabilities, including liabilities under the Securities Act, and to contribute
to payments that the underwriters may be required to make in respect of these liabilities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Stabilization</I></B>. In connection with
this offering, the underwriters may engage in stabilizing transactions, over-allotment transactions, syndicate covering transactions and
penalty bids.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Stabilizing transactions permit bids to purchase common
stock so long as the stabilizing bids do not exceed a specified maximum and are engaged in for the purpose of preventing or retarding
a decline in the market price of our common stock while the offering is in progress.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Over-allotment transactions involve sales by the underwriters
of common stock in excess of the number of shares the underwriters are obligated to purchase. This creates a syndicate short position
that may be either a covered short position or a naked short position. In a covered short position, the number of shares of our common
stock over-allotted by the underwriters are not greater than the number of shares that they may purchase in the over-allotment option.
In a naked short position, the number of shares involved is greater than the number of shares in the over-allotment option. The underwriters
may close out any short position by exercising their over-allotment option and/or purchasing shares in the open market.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Syndicate covering transactions involve purchases of our
common stock in the open market after the distribution has been completed in order to cover syndicate short positions. In determining
the source of shares to close out the short position, the underwriters will consider, among other things, the price of shares available
for purchase in the open market as compared with the price at which they may purchase shares through exercise of the over-allotment option.
If the underwriters sell more shares than could be covered by exercise of the over-allotment option and, therefore, have a naked short
position, the position can be closed out only by buying shares in the open market. A naked short position is more likely to be created
if the underwriters are concerned that after pricing there could be downward pressure on the price of the shares in the open market that
could adversely affect investors who purchase in the offering.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Penalty bids permit the representative to reclaim a selling
concession from a syndicate member when our shares of common stock originally sold by that syndicate member is purchased in stabilizing
or syndicate covering transactions to cover syndicate short positions.</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 22; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">These stabilizing transactions, over-allotment
transactions, syndicate covering transactions and penalty bids may have the effect of raising or maintaining the market price of our common
stock or preventing or retarding a decline in the market price of our common stock. As a result, the price of our common stock in the
open market may be higher than it would otherwise be in the absence of these transactions. Neither we nor the underwriters make any representation
or prediction as to the effect that the transactions described above may have on the price of our common stock. These transactions may
be effected on The Nasdaq Global Market, in the&nbsp;over-the-counter&nbsp;market or otherwise and, if commenced, may be discontinued
at any time.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Nasdaq Global Market Listing</I></B>. Our
common stock is listed on The Nasdaq Global Market under the symbol &ldquo;SFST.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Other Activities and Relationships</I></B>.
The underwriters and their respective affiliates have engaged in, and may in the future engage in, investment banking and other commercial
dealings in the ordinary course of business with us or our affiliates and have received, or may in the future receive, customary fees
and commissions for these transactions. The underwriters and their respective affiliates are full service financial institutions engaged
in various activities, which may include securities trading, commercial and investment banking, financial advisory, investment management,
investment research, principal investment, hedging, financing and brokerage activities. Certain of the underwriters and their respective
affiliates have, from time to time, performed, and may in the future perform, various commercial and investment banking and financial
advisory services for us and our affiliates, for which they received or will receive customary fees and expenses.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In addition, in the ordinary course of their business
activities, the underwriters and their respective affiliates may make or hold a broad array of investments and actively trade debt and
equity securities (or related derivative securities) and financial instruments (including bank loans) for their own account and for the
accounts of their customers. Such investments and securities activities may involve securities and/or instruments of ours or our affiliates.
The underwriters and their respective affiliates may make investment recommendations and/or publish or express independent research views
in respect of such securities or financial instruments and may hold, or recommend to clients that they acquire, long and/or short positions
in such securities and instruments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Electronic Distribution</I></B>. A prospectus
supplement in electronic format may be made available by e-mail or on the websites or through online services maintained by one or more
of the underwriters or their affiliates. In those cases, prospective investors may view offering terms online and may be allowed to place
orders online. The underwriters may agree with us to allocate a specific number of our common stock for sale to online brokerage account
holders. Any such allocation for online distributions will be made by the underwriters on the same basis as other allocations. Other than
this prospectus supplement in electronic format, the information on the underwriters&rsquo; websites and any information contained on
any other website maintained by the underwriters is not part of this prospectus supplement, has not been approved and/or endorsed by the
underwriters or us and should not be relied upon by investors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Selling Restrictions</I></B>. Other than
in the United States, no action has been taken by us or the underwriters that would permit a public offering of the securities offered
by this prospectus supplement in any jurisdiction where action for that purpose is required. The securities offered by this prospectus
supplement may not be offered or sold, directly or indirectly, nor may this prospectus supplement or any other offering material or advertisements
in connection with the offer and sale of any such securities be distributed or published in any jurisdiction, except under circumstances
that will result in compliance with the applicable rules and regulations of that jurisdiction. Persons into whose possession this prospectus
supplement comes are advised to inform themselves about and to observe any restrictions relating to the offering and the distribution
of this prospectus supplement. This prospectus supplement does not constitute an offer to sell or a solicitation of an offer to buy any
securities offered by this prospectus supplement in any jurisdiction in which such an offer or a solicitation is unlawful.</P>

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

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

<!-- Field: Page; Sequence: 23; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_010"></A>LEGAL MATTERS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The validity of the common stock will be passed
upon for us by Nelson Mullins Riley&nbsp;&amp; Scarborough,&nbsp;LLP, Greenville, South Carolina. Alston&nbsp;&amp; Bird&nbsp;LLP will
pass upon certain legal matters for the underwriters.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_011"></A>EXPERTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The financial statements of the Company incorporated
in this prospectus by reference to our Annual Report on Form 10-K for the year ended December 31, 2025, and the effectiveness of our internal
control over financial reporting have been audited by Elliott Davis, LLC, an independent registered public accounting firm, as stated
in their report. Such report is incorporated herein by reference in reliance upon such report given on the authority of such firm as experts
in accounting and auditing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_012"></A>WHERE YOU CAN FIND MORE INFORMATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We are subject to the informational requirements
of the Exchange Act, and file with the SEC proxy statements, Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports
on Form 8-K. Our SEC filings are available to the public from the SEC&rsquo;s web site at www.sec.gov or on our website at www.southernfirst.com
under the &ldquo;Investor Relations&rdquo; tab. Information on, or that can be accessible through, our website does not constitute a part
of, and is not incorporated by reference in, this prospectus. You may also obtain free copies of the documents we have filed with the
SEC (other than exhibits to such documents unless we specifically incorporate by reference an exhibit in this prospectus) by contacting
Julie Fairchild, Chief Accounting Officer, Southern First Bancshares, Inc., 6 Verdae Boulevard, Greenville, South Carolina 29607, telephone
(864) 679-9000 or from our Internet website at www.southernfirst.com under the &ldquo;Investor Relations&rdquo; tab.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We have filed with the SEC a registration statement
on Form S-3 relating to the securities covered by this prospectus supplement. This prospectus supplement is a part of the registration
statement and does not contain all the information in the registration statement. Whenever a reference is made in this prospectus supplement
to a contract or other document, the reference is only a summary and you should refer to the exhibits that are a part of the registration
statement for a copy of the contract or other document. You may review a copy of the registration statement at the SEC&rsquo;s Public
Reference Room in Washington, DC, as well as through the SEC&rsquo;s internet website.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="SP_013"></A>INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The SEC allows us to &ldquo;incorporate by reference&rdquo;
information into this prospectus supplement from the documents listed below that we have previously filed with the SEC (file no. 000-27719).
This means that we can disclose important information to you by referring you to another document without restating that information in
this prospectus supplement. Any information incorporated by reference into this prospectus supplement is considered to be part of this
prospectus supplement as of the date of the document in which such information is filed. Any reports filed by us with the SEC after the
date of this prospectus supplement will automatically update and, where applicable, supersede, any information contained in this prospectus
supplement or incorporated by reference in this prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We incorporate by reference into this prospectus
supplement the following documents or information filed with the SEC (other than, in each case, documents or information deemed to have
been furnished and not filed in accordance with SEC rules):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">our
</FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677426000084/sfst4554191-10k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif">Annual Report on Form 10-K</FONT></A> <FONT STYLE="font-family: Times New Roman, Times, Serif">for the year ended&nbsp;December 31, 2025&nbsp;filed
with the SEC on February 24, 2026;</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">our
Current Report on Form 8-K filed with the SEC on </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677426000131/sfst4606951-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif">March 10, 2026</FONT></A><FONT STYLE="font-family: Times New Roman, Times, Serif">; and</FONT></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; width: 100%"><TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">the
description of our common stock set forth in&nbsp;</FONT><A HREF="http://www.sec.gov/Archives/edgar/data/1090009/000120677420000670/sfb35772717-ex42.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-family: Times New Roman, Times, Serif">Exhibit 4.2</FONT></A><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;of our Annual Report on Form 10-K for the year ended December
31, 2025 filed with the SEC on February 24, 2026, and any amendment or report filed with the SEC for the purposes of updating such description.</FONT></TD>
</TR></TABLE>

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

<!-- Field: Page; Sequence: 24; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">All documents that we file with the SEC under Sections
13(a), 13(c), 14 or 15(d) of the Exchange Act after the date of this prospectus supplement and before the termination of the offering
will also be deemed to be incorporated by reference into this prospectus supplement. These additional documents will be deemed to be incorporated
by reference, and to be a part of, this prospectus supplement from the date of their filing. Any statement contained in a document incorporated
or deemed to be incorporated by reference herein shall be deemed to be modified or superseded to the extent that a statement contained
in this prospectus supplement, the accompanying prospectus or any subsequently filed document that is incorporated or deemed to be incorporated
by reference herein modifies or supersedes such statement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">You should rely only on the information contained
or incorporated by reference in this prospectus supplement and the accompanying prospectus. We have not authorized anyone to provide you
with information that is different from what is contained in this prospectus supplement or the accompanying prospectus. This prospectus
supplement is dated April &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2026. You should not assume that the information contained in this prospectus supplement is accurate as of
any date other than that date.</P>

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

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

<!-- Field: Page; Sequence: 25; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">S-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#toc">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0"><B>PROSPECTUS</B></P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><IMG SRC="sfst4621781-424b51x1x1.jpg" ALT="" STYLE="height: 115px; width: 285px"></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>$125,000,000</B></P>

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

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

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

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

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

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

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

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

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 0pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Southern First Bancshares, Inc. (&ldquo;we,&rdquo;
&ldquo;us,&rdquo; &ldquo;our&rdquo; or the &ldquo;Company&rdquo;) may offer and sell, from time to time, in one or more offerings, any
combination of debt and equity securities that we describe in this prospectus. The aggregate amount of the securities offered by us under
this prospectus will not exceed $125,000,000. We will provide the specific terms of these securities in supplements to this prospectus.
You should read this prospectus and the applicable prospectus supplement carefully before you invest in the securities described in the
applicable prospectus supplement. This prospectus may not be used to offer or sell securities unless accompanied by a prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Shares of our common stock are traded on The NASDAQ
Global Market under the symbol &ldquo;SFST&rdquo;. The closing sale price of our common stock as reported on The NASDAQ Global Market
on February 4, 2026 was $58.24 per share.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may sell the securities to underwriters or dealers,
through agents, or directly to investors, or a combination of these methods. We will set forth the names of any underwriters or agents,
any applicable commissions, discounts or other compensation thereof, in the applicable prospectus supplement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>These securities are not deposits or other obligations
of any of our bank subsidiaries and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>Investing in our securities involves risks.
You should refer to the section entitled &ldquo;<I>Risk Factors</I>&rdquo; beginning on page 3 of this prospectus, as well as any risk
factors included in the applicable prospectus supplement and the risk factors contained in certain of our periodic reports and other information
that we file with the Securities and Exchange Commission, which are incorporated by reference herein, and carefully consider that information
before buying our securities.</B></P>

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 0pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">This prospectus is dated February 6, 2026.</P>

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

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

<!-- Field: Page; Sequence: 26 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_001">About this Prospectus</A></TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_001">1</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_002">Incorporation of Certain Information by Reference</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_002">2</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_003">Risk Factors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_003">3</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_004">Special Note Regarding Forward-Looking Statements</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_004">4</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_005">Prospectus Summary</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_005">6</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_006">Southern First Bancshares, Inc.</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_006">8</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_007">Use of Proceeds</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_007">8</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_008">Plan of Distribution</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_008">8</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_009">Description of Debt Securities</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_009">11</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_010">Description of Preferred Stock</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_010">18</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_011">Description of Depositary Shares</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_011">20</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_012">Description of Common Stock</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_012">24</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_013">Description of Purchase Contracts</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_013">25</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_014">Description of Units</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_014">25</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_015">Description of Warrants</A></TD>
    <TD STYLE="padding-left: -0.125in; text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_015">25</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_016">Description of Rights</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_016">27</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_017">Anti-Takeover Effects of Certain Articles of Incorporation Provisions</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_017">28</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_018">Validity of Securities</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_018">29</A></TD></TR>
  <TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_019">Experts</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_019">29</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0in; padding-left: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_020">Where You Can Find More Information</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0in"><A STYLE="text-decoration: none; color: black" HREF="#P_020">29</A></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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

<!-- Field: Page; Sequence: 27; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->i<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_001"></A>ABOUT THIS PROSPECTUS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This prospectus is a part of a registration statement
that we filed with the U.S. Securities and Exchange Commission (&ldquo;SEC&rdquo;) using a &ldquo;shelf&rdquo; registration process. Under
this shelf registration statement, we may issue and sell to the public, either separately or together, any part or all of the securities
described herein, at any time and from time to time, in one or more public offerings, up to an aggregate amount of $125,000,000 of our
debt securities, preferred stock, depositary shares, common stock, purchase contracts, units (which may consist of two or more securities),
warrants, or rights. We may also issue common stock or preferred stock upon conversion, exchange or exercise of any of the securities
mentioned above. This prospectus provides you with a general description of the securities we may offer. Each time we sell securities,
we will provide a supplement to this prospectus that contains specific information about the terms of the securities and the offering.
A prospectus supplement may include a discussion of any risk factors or other special considerations applicable to those securities or
to us. The supplement also may add, update or change information contained in this prospectus. If there is any inconsistency between the
information in this prospectus and the applicable prospectus supplement, you should rely on the information in the prospectus supplement.
You should carefully read both this prospectus and any prospectus supplement, any documents that we incorporate by reference in this prospectus
and/or in any prospectus supplement, together with the additional information described under the heading &ldquo;Where You Can Find More
Information&rdquo; before making an investment decision.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The registration statement containing this prospectus,
including exhibits to the registration statement, provides additional information about us and the securities offered under this prospectus.
That registration statement can be read at the SEC website mentioned under the heading &ldquo;Where You Can Find More Information&rdquo;
below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may sell the securities (a) through agents;
(b) through underwriters or dealers; (c) directly to one or more purchasers; or (d) through a combination of any of these methods of sale.
We and our agents reserve the sole right to accept and to reject in whole or in part any proposed purchase of securities. See &ldquo;Plan
of Distribution&rdquo; below. A prospectus supplement (or pricing supplement) will provide the names of any underwriters, dealers, or
agents involved in the sale of the securities, and any applicable fee, commission, or discount arrangements with them.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>You should rely only on the information contained
in this prospectus, any prospectus supplement (or pricing supplement) and the documents we have incorporated by reference. We will disclose
any material changes in our affairs in an amendment to this prospectus, a prospectus supplement (or pricing supplement) or a future filing
with the SEC incorporated by reference in this prospectus. No person has been authorized to give any information or to make any representations
other than those contained or incorporated in this prospectus and, if given or made, such information or representations must not be relied
upon as having been authorized. We take no responsibility for, and provide no assurance as to the reliability of, any other information
that others may give you. This prospectus does not constitute an offer to sell or a solicitation of an offer to buy any securities other
than those to which it relates, or an offer or solicitation with respect to those securities to which it relates to any person in any
jurisdiction where such offer or solicitation would be unlawful. The delivery of this prospectus at any time does not imply that the information
contained or incorporated herein is correct as of any time subsequent to its date.</B></P>

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


<!-- Field: Page; Sequence: 28; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_002"></A>INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The SEC allows us to &ldquo;incorporate by reference&rdquo;
into this prospectus the information we file with it, which means that we can disclose important information to you by referring you to
those documents. Information incorporated by reference is considered to be part of this prospectus, except for any information that is
superseded by information included directly in this prospectus. Any statement contained in this prospectus or a document incorporated
by reference in this prospectus will be deemed to be modified or superseded for purposes of this prospectus to the extent that a statement
contained in this prospectus or in any other subsequently filed document that is incorporated by reference in this prospectus modifies
or supersedes the statement. Any statement so modified or superseded will not be deemed, except as so modified or superseded, to constitute
a part of this prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We incorporate by reference into this prospectus
the documents listed below and any future filings we will make with the SEC under Sections 13(a), 13(c), 14 or 15(d) of the Securities
Exchange Act of 1934 (the &ldquo;Exchange Act&rdquo;) after the date of the initial filing of the registration statement on Form S-3,
of which this prospectus is a part, and prior to the effectiveness of the registration statement, and any such filings that we make after
the date of this prospectus but before the termination of the offering of the securities covered by this prospectus, except to the extent
that any information contained in such filings is deemed &ldquo;furnished&rdquo; in accordance with SEC rules (unless otherwise indicated
therein):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">our Annual Report on Form 10-K for the year ended </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000099/sfst4401651-10k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">December 31, 2024</FONT></A> <FONT STYLE="font-size: 10pt">filed with the SEC on March 3, 2025 (including the portions of our definitive proxy
statement on </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000204/sfst4401641-def14a.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">Schedule 14A</FONT></A><FONT STYLE="font-size: 10pt">, filed with the SEC on April 7, 2025, incorporated by reference therein); </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">our Quarterly Reports on Form 10-Q for the quarter ended </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000343/sfst4475771-10q.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">March 31, 2025</FONT></A> <FONT STYLE="font-size: 10pt">filed with the SEC on May 5, 2025; for the quarter ended </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000538/sfst4514911-10q.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">June 30, 2025</FONT></A> <FONT STYLE="font-size: 10pt">filed with the SEC on August 1, 2025; and for the quarter ended </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000738/sfst4552801-10q.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">September 30, 2025</FONT></A> <FONT STYLE="font-size: 10pt">filed with the SEC on October 31, 2025;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">our Current Reports on Form 8-K filed on </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000023/sfst4432101-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">January 24, 2025</FONT></A><FONT STYLE="font-size: 10pt">; </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000031/sfst4432111-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">January 28, 2025</FONT></A><FONT STYLE="font-size: 10pt">; </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000126/sfst4454491-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">March 13, 2025</FONT></A><FONT STYLE="font-size: 10pt">; </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000242/sfst4472061-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">April 22, 2025</FONT></A><FONT STYLE="font-size: 10pt">; </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000374/sfst4489311-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">May 21, 2025</FONT></A><FONT STYLE="font-size: 10pt">; </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000386/sfst4493361-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">June 2, 2025</FONT></A><FONT STYLE="font-size: 10pt">; </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000420/sfst4500601-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">June 18, 2025</FONT></A><FONT STYLE="font-size: 10pt">; </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000458/sfst4512731-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">July 22, 2025</FONT></A><FONT STYLE="font-size: 10pt">; </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677425000731/sfst4551931-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">October 28, 2025</FONT></A><FONT STYLE="font-size: 10pt">; and </FONT><A HREF="https://www.sec.gov/ix?doc=/Archives/edgar/data/0001090009/000120677426000043/sfst4585581-8k.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">January 22, 2026</FONT></A><FONT STYLE="font-size: 10pt">;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the description of our common stock set forth in </FONT><A HREF="https://www.sec.gov/Archives/edgar/data/1090009/000120677420000670/sfb35772717-ex42.htm" STYLE="-sec-extract: exhibit"><FONT STYLE="font-size: 10pt">Exhibit 4.2</FONT></A> <FONT STYLE="font-size: 10pt">of our Annual Report on Form 10-K for the year ended December 31, 2024 filed with the SEC
on March 3, 2025, and any amendment or report filed with the SEC for the purposes of updating such description.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We will provide a copy of any and all of the information
that is incorporated by reference in this prospectus to any person, including a beneficial owner, to whom a prospectus is delivered, without
charge, upon written or oral request. Written requests for copies should be directed to Attn: R. Arthur Seaver, Jr., Southern First Bancshares,
Inc., 6 Verdae Boulevard, Greenville, South Carolina 29607. Telephone requests for copies should be directed to Mr. Seaver at (864) 679-9000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We maintain an Internet website at <FONT STYLE="color: Black"><U>www.southernfirst.com</U></FONT>
where the incorporated reports listed above can be accessed. Neither this website nor the information on this website is included or
incorporated in, or is a part of, this prospectus.</P>

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


<!-- Field: Page; Sequence: 29; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_003"></A>RISK FACTORS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Investing in our securities involves risks. Please
see the &ldquo;Risk Factors&rdquo; section in our most recent Annual Report on Form 10-K and any updates to those risk factors in our
subsequent Quarterly Reports on Form 10-Q, each of which is incorporated by reference in this prospectus, together with any other filings
we make with the SEC that are incorporated by reference in this prospectus and any applicable prospectus supplement. Before making an
investment decision, you should carefully consider these risks as well as other information contained or incorporated by reference in
this prospectus and any prospectus supplement. The risks and uncertainties not presently known to us or that we currently deem immaterial
may also impair our business operations, our financial results and the value of the securities. The prospectus supplement applicable to
each type or series of securities we offer may contain a discussion of additional risks applicable to an investment in us and the particular
type of securities we are offering under that prospectus supplement.</P>

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


<!-- Field: Page; Sequence: 30; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_004"></A>SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Statements included in this prospectus, including information incorporated
herein by reference, which are not historical in nature, are intended to be, and are hereby identified as, forward-looking statements
for purposes of the safe harbor provided by the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of
1933 and Section 21E of the Exchange Act. The words &ldquo;may,&rdquo; &ldquo;will,&rdquo; &ldquo;anticipate,&rdquo; &ldquo;should,&rdquo;
&ldquo;would,&rdquo; &ldquo;believe,&rdquo; &ldquo;contemplate,&rdquo; &ldquo;expect,&rdquo; &ldquo;estimate,&rdquo; &ldquo;continue,&rdquo;
&ldquo;could,&rdquo; &ldquo;seek to,&rdquo; &ldquo;strive,&rdquo; &ldquo;focus,&rdquo; &ldquo;predict,&rdquo; &ldquo;project,&rdquo; &ldquo;potential,&rdquo;
&ldquo;assume,&rdquo; and &ldquo;intend,&rdquo; as well as other similar words and expressions of the future, are intended to identify
forward-looking statements. We caution readers that forward-looking statements are estimates reflecting our judgment based on current
information and are subject to certain risks and uncertainties that could cause actual results to differ materially from anticipated results.
New risks and uncertainties may emerge from time to time, and we cannot predict all such risks or the extent to which any factor, or combination
of factors, may cause actual results to differ materially from those expressed in our forward-looking statements. Such risks and uncertainties
include, among others, the matters described in the &ldquo;Risk Factors&rdquo; of this prospectus and the following:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Restrictions or conditions imposed by our regulators on our operations; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Increases in competitive pressure in the banking and financial services industries, including competition
from regional and national banks, credit unions, online-only institutions, and non-bank financial technology firms offering alternative
deposit, lending, and payments solutions;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Changes in access to funding or increased regulatory requirements with regard to funding, which could
impair our liquidity; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Changes in deposit flows, which may be negatively affected by a number of factors, including rates paid
by competitors, general interest rate levels, regulatory capital requirements, returns available to clients on alternative investments
and general economic or industry conditions; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Changes in U.S. monetary policy, the level and volatility of interest rates, the capital markets and
other market conditions that may affect, among other things, our liquidity and the value of our assets and liabilities; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Credit losses as a result of declining real estate values, increasing interest rates, increasing unemployment,
changes in payment behavior or other factors; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Credit losses due to loan concentration;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Changes in the amount of our loan portfolio collateralized by real estate and weaknesses in the real
estate market; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Our ability to successfully execute our business strategy; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Our ability to attract and retain key personnel; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The success and costs of our expansion into the Charlotte, North Carolina, Greensboro, North Carolina
and Atlanta, Georgia markets and into potential new markets; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Risks with respect to future mergers or acquisitions, including our ability to successfully expand and
integrate the businesses and operations that we acquire and realize the anticipated benefits of such mergers or acquisitions or due to
a protracted period of elevated interest rates that increases funding costs and pressures borrower performance; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Continued changes in the interest rate environment which could reduce anticipated or actual margins,
including due to the Federal Reserve lowering interest rates to stimulate economic growth; </FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 31; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Changes in political conditions or the legislative or regulatory environment, including new governmental
initiatives affecting the financial services industry; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Changes in economic conditions resulting in, among other things, a deterioration in credit quality;
</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Changes occurring in business conditions and inflation, including the impact of persistent inflation
on our operating costs, borrower operating expenses and repayment ability; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Increased cybersecurity risk, including potential business disruptions or financial losses, including
potential business disruptions or financial losses arising from sophisticated cyber-attacks, ransomware, fraud (including fraud facilitated
by advances in artificial intelligence (&ldquo;AI&rdquo;)), system failures, or breaches involving third-party vendors or service providers;
</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Changes in technology, including the need to invest in new digital platforms, such as AI; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The adequacy of the level of our allowance for credit losses and the amount of loan loss provisions
required in future periods; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Examinations by our regulatory authorities, including the possibility that the regulatory authorities
may, among other things, require us to increase our allowance for credit losses or write-down assets; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The rate of delinquencies and amounts of loans charged-off; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Any increase in FDIC assessments which will increase our cost of doing business;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The rate of loan growth in recent years and the lack of seasoning of a portion of our loan portfolio;
</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Our ability to maintain appropriate levels of capital and to comply with our capital ratio requirements;
</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Adverse changes in asset quality and resulting credit risk-related losses and expenses; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Changes in accounting standards, rules and interpretations and the related impact on our financial statements;
</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Risks associated with actual or potential litigation or investigations by customers, regulatory agencies
or others; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Adverse effects of failures by our vendors to provide agreed upon services in the manner and at the
agreed cost; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Risks associated with complex and changing regulatory environments, including, among others, with respect
to data privacy, AI, information security, climate change or other environmental, social and governance matters, and labor matters, relating
to our operations;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">The potential effects of events beyond our control that may have a destabilizing effect on financial
markets and the economy, such as trade disputes and tariffs, epidemics and pandemics, war or terrorist activities, such as the war in
Ukraine, the Middle East conflict, and the conflict between China and Taiwan, disruptions in our customers&rsquo; supply chains, disruptions
in transportation, essential utility outages, government shutdowns, and disruptions caused from widespread cybersecurity incidents; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Other risks and uncertainties detailed in Part I, Item 1A, &ldquo;Risk Factors&rdquo; of our Annual
Reports on Form 10-K and in Part II, Item 1A, &ldquo;Risk Factors&rdquo; of our Quarterly Reports on Form 10-Q, and in our other reports
filed with the SEC.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Some of the factors that could cause actual results to differ from
those expressed or implied in forward-looking statements are incorporated by reference under &ldquo;Risk Factors&rdquo; in this prospectus
and may be described in any prospectus supplement and in the &ldquo;Risk Factors&rdquo; and other sections of the documents that we incorporate
by reference into this prospectus, including our Annual Reports on Form 10-K and our Quarterly Reports on Form 10-Q and in our other reports
filed with the SEC. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect,
actual outcomes may vary materially from those anticipated. All subsequent written and oral forward-looking statements attributable to
us or persons acting on our behalf are expressly qualified in their entirety by reference to these risks and uncertainties. You should
not place undue reliance on our forward-looking statements. Each forward-looking statement speaks only as of the date of the particular
statement, and we do not intend, and assume no obligation, to update the forward-looking statements or to update the reasons why actual
results could differ from those expressed in, or implied or projected by, the forward-looking statements, except as required by law.</P>

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




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

<!-- Field: Page; Sequence: 32; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_005"></A>PROSPECTUS SUMMARY</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Under the shelf registration statement of which
this prospectus is a part, we may offer and sell from time to time, in one or more offerings, up to an aggregate of $125,000,000 of securities
described in this prospectus, consisting of any combination of the following:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">debt securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">preferred stock;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">depositary shares;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">common stock;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">purchase contracts;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">units;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">warrants; and </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">rights.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This prospectus provides a general description
of the securities we may offer. The following summary describes the general terms that may apply to these securities. The specific terms
of any securities we offer will be described in a prospectus supplement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may offer several different types of debt securities.
For any particular debt securities that we offer, the applicable prospectus supplement will describe the terms of the debt securities,
and will include for each series of debt securities, the offering price, designation, priority, aggregate principal amount (including
whether determined by reference to an index), currency, denomination, premium, maturity, interest rate (including whether fixed, floating
or otherwise), time of payment of any interest, any terms for mandatory or optional redemption and other terms. We will issue senior and
subordinated debt under separate indentures to be entered into by and between us and a bank or trust company, or other qualified trustee,
that we select to act as trustee. Debt securities may be convertible into shares of our common stock or preferred stock, as described
in a prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Preferred Stock and Depositary Shares</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may offer preferred stock in one or more series.
The applicable prospectus supplement will describe for each series of preferred stock offered, the specific designation of the series
offered; the aggregate number of shares offered; the rate and periods, or manner of calculating the rate and periods, for dividends, if
any; the stated value and liquidation preference amount, if any; the redemption, liquidation and voting rights, if any; and any other
specific terms. We may also offer depositary shares, each of which would represent an interest in a fractional share of preferred stock.
We will issue the depositary shares under one or more deposit agreements to be entered into between us and one or more depositaries.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may offer shares of our common stock, and the
applicable prospectus supplement will describe the terms of any such offer.</P>

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

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

<!-- Field: Page; Sequence: 33; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may issue purchase contracts, including contracts
obligating holders to purchase from us, and obligating us to sell to holders, a fixed or varying number of shares of common stock, preferred
stock, depositary shares or debt securities at one or more future dates. The purchase price for the common stock, preferred stock, depositary
shares or debt securities may be fixed at the time the purchase contracts are issued or may be determined by reference to a specific formula
set forth in the purchase contracts. Any purchase contract may include anti-dilution provisions to adjust the number of shares or amount
of securities issuable pursuant to such purchase contract upon the occurrence of certain events.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The purchase contracts may be issued separately
or as part of units with one or more other securities. These contracts, and the holders&rsquo; obligations to purchase securities under
the purchase contracts, may be secured by cash, certificates of deposit, U.S. government securities that will mature prior to or simultaneously
with the maturity of the purchase contract, standby letters of credit from an FDIC-insured bank or other collateral. The purchase contracts
may require us to make periodic payments to holders (or vice versa), and such payments may be unsecured or prefunded and may be paid on
a current or on a deferred basis.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any one or more of the foregoing securities, the
purchase contracts and any related collateral may be pledged as security for the holders&rsquo; obligations to purchase or sell, as the
case may be, the common stock, preferred stock, depositary shares or debt securities under the purchase contracts.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We also may offer two or more of the securities
described in this prospectus in the form of a &ldquo;unit,&rdquo; including pursuant to a unit agreement. The units may be transferable
only as a whole, or the securities comprising a unit may, as described in the prospectus supplement, be separated and transferred by the
holder separately. There may or may not be an active market for units or the underlying securities, and not all the securities comprising
a unit may be listed or traded on a securities exchange or market.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may offer warrants to purchase our senior debt
securities, subordinated debt securities, preferred stock, depositary shares, common stock or any combination of these securities, either
independently or together with any other securities. For any particular warrants we offer, the applicable prospectus supplement will describe:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the underlying securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the expiration date;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the exercise price or the manner of determining the exercise price;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the amount and kind, or the manner of determining the amount and kind, of securities to be delivered
upon exercise;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the date after which the warrants are separately transferable;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any provisions for adjustments in the exercise price or the number of securities issuable upon exercise
of the warrants; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any other specific terms.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may issue the warrants under one or more warrant
agreements between us and one or more warrant agents. The warrant agents will act solely as our agents in connection with the warrants
and will not assume any obligation or relationship of agency for or on behalf of holders or beneficial owners of warrants.</P>

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

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

<!-- Field: Page; Sequence: 34; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may offer rights to our existing shareholders
to purchase additional shares of our common stock or any series of our preferred stock. For any particular rights offering, the applicable
prospectus supplement will describe the terms of such rights, including the period during which the rights may be exercised, the manner
of exercising the rights, the transferability of the rights, the number of shares of common stock or preferred stock that may be purchased
in connection with each right and the subscription price for the purchase of such common stock or preferred stock. In connection with
a rights offering, we may enter into a separate agreement with one or more underwriters or standby purchasers to purchase any shares of
our common stock or preferred stock not subscribed for in the rights offering by existing shareholders, which will be described in the
applicable prospectus supplement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If any securities are to be listed or quoted on
a securities exchange or quotation system, the applicable prospectus supplement will so indicate. Our common stock is listed on The NASDAQ
Global Market and trades under the symbol &ldquo;SFST&rdquo;.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_006"></A>SOUTHERN FIRST BANCSHARES, INC.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We are a bank holding company incorporated in March
1999 under the laws of South Carolina and headquartered in Greenville, South Carolina. We serve as the bank holding company for Southern
First Bank (the &ldquo;Bank&rdquo;), a South Carolina state bank. Through the Bank, we offer a wide range of traditional banking products
and services to individuals and small to mid-size businesses throughout our primary market areas of Greenville, Columbia and Charleston,
South Carolina; Raleigh, Greensboro and Charlotte, North Carolina; and Atlanta, Georgia, including commercial, consumer and mortgage lending,
as well as deposit and other banking services. The Bank is a commercial bank with eight retail offices located in the Greenville, Columbia
and Charleston markets of South Carolina, three retail offices located in the Raleigh, Greensboro and Charlotte markets of North Carolina,
and one retail office in Atlanta, Georgia. In addition, we opened our Dream Mortgage Center, a loan production office, located in Columbia,
South Carolina during 2023.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We serve these markets through a client-focused
structure called &ldquo;ClientFIRST,&rdquo; which is structured to deliver superior client service via relationship teams that provide
each client with a specific banker contact and a consistent support team responsible for all of the client&rsquo;s banking needs. We believe
this model provides us with a distinct competitive advantage by enabling us to build and maintain long-term relationships with desirable
clients.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our principal executive offices are located at
6 Verdae Boulevard, Greenville, South Carolina 29607. Our telephone number is (864) 679-9000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Additional information about us is included in
our filings with the SEC, which are incorporated by reference into this prospectus. See &ldquo;Where You Can Find More Information&rdquo;
and &ldquo;Incorporation of Certain Information by Reference&rdquo; in this prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_007"></A>USE OF PROCEEDS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Unless otherwise specified in a prospectus supplement
accompanying this prospectus, we currently intend to use the net proceeds from the sale of the securities offered under this prospectus
for general corporate purposes. General corporate purposes may include repayment of debt and related interest, working capital, capital
expenditures, possible acquisitions, investments, and any other purposes that we may specify in any prospectus supplement. We may invest
the net proceeds temporarily until we use them for their stated purpose, and we may not achieve a favorable return on such investments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_008"></A>PLAN OF DISTRIBUTION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may sell securities offered under this prospectus:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">through underwriters or dealers;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">through agents; </FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 35; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">directly to one or more purchasers; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">through a combination of any of these methods of sale.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Underwriters, dealers or agents may distribute
the securities by any method permitted by law, including through electronic or online systems.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The distribution of the securities may be effected
from time to time in one or more transactions at a fixed price or prices, which may be changed from time to time, or at negotiated prices.
For each type and series of securities offered, the applicable prospectus supplement will set forth the terms of the offering, including,
without limitation:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the public offering price;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the names of any underwriters, dealers or agents;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the purchase price of the securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the use of proceeds to us from the sale of the securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any underwriting discounts, agency fees, or other compensation payable to underwriters or agents;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any discounts or concessions allowed or re-allowed or repaid to dealers; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the securities exchanges on which the securities will be listed, if any.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If underwriters are used in an offering, we will
execute an underwriting agreement with such underwriters and will specify the name of each underwriter and the terms of the transaction
(including any underwriting discounts and other terms constituting compensation of the underwriters and any dealers) in a prospectus supplement.
If we use underwriters in any sale of securities offered under this prospectus, the underwriters will buy the securities for their own
account. The underwriters may then resell the securities in one or more transactions at a fixed public offering price or at varying prices
determined at the time of sale or thereafter. The underwriters may sell the securities directly or through underwriting syndicates managed
by managing underwriters. The obligations of the underwriters to purchase the securities will be subject to certain conditions. The underwriters
will be obligated to purchase all the securities offered if they purchase any securities. The offering price and any discounts or concessions
allowed or re-allowed or paid to dealers may be changed from time to time. Any such underwriter will be identified and any such compensation
received from us will be described in the applicable prospectus supplement. We may also reimburse the underwriter or agent for certain
fees and legal expenses incurred by it as described in the applicable prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In connection with any offering of the securities,
underwriters, dealers or agents may engage in transactions with, or perform services for, us in the ordinary course of business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Underwriters or agents may make sales in privately
negotiated transactions and/or any other method permitted by law, including sales deemed to be an &ldquo;at-the-market&rdquo; offering
as defined in Rule 415 promulgated under the Securities Act of 1933 (the &ldquo;Securities Act&rdquo;), with respect to our common stock,
which includes sales made directly on The NASDAQ Global Market, the existing trading market for our common stock, or sales made to or
through a market maker other than on an exchange. Any at-the-market offering will be effected pursuant to a sales agreement between us
and one or more sales agents, as described in the applicable prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If we use dealers in any sale of securities offered
under this prospectus, the securities will be sold to such dealers as principals. The dealers may then resell the securities to the public
at varying prices to be determined by such dealers at the time of resale. If agents are used in any sale of securities offered under this
prospectus, they will generally use their reasonable best efforts to solicit purchases for the period of their appointment. If securities</P>

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

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

<!-- Field: Page; Sequence: 36; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">offered under this prospectus are sold directly, no underwriters, dealers or agents would be involved. We are not making an offer of securities
in any state that does not permit such an offer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Underwriters, dealers and agents that participate
in any distribution of securities may be deemed to be underwriters as defined in the Securities Act. Any discounts, commissions or profit
they receive when they resell the securities may be treated as underwriting discounts and commissions under the Securities Act. We expect
that any agreements we may enter into with underwriters, dealers and agents will include provisions indemnifying them against certain
civil liabilities, including certain liabilities under the Securities Act, or providing for contributions with respect to payments that
they may be required to make.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may authorize underwriters, dealers or agents
to solicit offers from certain institutions whereby the institution contractually agrees to purchase the securities offered under this
prospectus from us on a future date at a specific price. This type of contract may be made only with institutions that we specifically
approve. Such institutions could include banks, insurance companies, pension funds, investment companies and educational and charitable
institutions. The underwriters, dealers or agents will not be responsible for the validity or performance of these contracts.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Sales of securities offered under this prospectus
also may be effected by us from time to time in one or more types of transactions (which may, without limitation, include block transactions,
special offerings, exchange distributions, secondary distributions, purchases by a broker or dealer, or other direct sales by us to one
or more purchasers) on The NASDAQ Global Market or any other national securities exchange or automated trading and quotation system on
which our common stock or other securities are listed, in the over-the-counter market, in transactions otherwise than on such exchanges
and systems or the over-the-counter market, including negotiated transactions, through options transactions relating to the shares, or
a combination of such methods of sale, at market prices prevailing at the time of sale, at negotiated prices or at fixed prices. Such
transactions may or may not involve brokers or dealers.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Each issue of a new series of debt securities,
preferred stock, depositary shares, purchase contracts, units, warrants and rights will be a new issue of securities with no established
trading market, except as indicated in the applicable prospectus supplement. It has not been established whether the underwriters, if
any, of the securities offered under this prospectus will make a market in these securities. If a market in any series of debt securities,
preferred stock, depositary shares, purchase contracts, units, warrants and rights is made by any such underwriters, such market-making
may be discontinued at any time without notice. We can give no assurance as to the liquidity of the trading market of these securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In order to facilitate the offering of any of the
securities offered under this prospectus, the underwriters with respect to any such offering may, as described in the prospectus supplement,
engage in transactions that stabilize, maintain or otherwise affect the price of the securities or any other securities the prices of
which may be used to determine payments on these securities. Specifically, the underwriters may over-allot in connection with the offering,
creating a short position in these securities for their own accounts. In addition, to cover over-allotments or to stabilize the price
of these securities or of any other securities, the underwriters may bid for, and purchase, these securities or any other securities in
the open market. Finally, in any offering of the securities offered under this prospectus through a syndicate of underwriters, the underwriting
syndicate may reclaim selling concessions allowed to an underwriter or a dealer for distributing these securities in the offering, if
the syndicate repurchases previously distributed securities in transactions to cover syndicate short positions, in stabilization transactions
or otherwise. Any of these activities may stabilize or maintain the market price of these securities above independent market levels.
The underwriters are not required to engage in these activities and may end any of these activities at any time, all as described in the
applicable prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If so indicated in the applicable prospectus supplement,
one or more firms, which we refer to as &ldquo;remarketing firms,&rdquo; acting as principals for their own accounts or as agents for
us, may offer and sell the securities offered under this prospectus as part of a remarketing upon their purchase, in accordance with their
terms. We will identify any remarketing firm, the terms of its agreement, if any, with us and its compensation in the applicable prospectus
supplement.</P>

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

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

<!-- Field: Page; Sequence: 37; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Remarketing firms, agents, underwriters and dealers
may be entitled under agreements with us to indemnification by or contribution from us against some civil liabilities, including liabilities
under the Securities Act, and may be customers of, engage in transactions with or perform services for us in the ordinary course of business.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any person participating in the distribution of
securities will be subject to applicable provisions of the Exchange Act and the rules and regulations under the Exchange Act, including,
without limitation, Regulation M, which may limit the timing of transactions involving the securities offered under this prospectus. Furthermore,
Regulation M may restrict the ability of any person engaged in the distribution of such securities to engage in market-making activities
with respect to the particular securities being distributed. All of the above may affect the marketability of the securities offered under
this prospectus and the ability of any person or entity to engage in market-making activities with respect to such securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Under the securities law of various states, the
securities offered under this prospectus may be sold in those states only through registered or licensed brokers or dealers. In addition,
in various states the securities offered under this prospectus may not be offered and sold unless such state securities have been registered
or qualified for sale in the state or an exemption from such registration or qualification is available and is complied with.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This prospectus contains summary descriptions of
the debt securities, preferred stock, depositary shares, common stock, purchase contracts, units, warrants, and rights that we may offer
from time to time. These summary descriptions are not meant to be complete descriptions of each security. The particular terms of any
security will be described in an accompanying prospectus supplement (and, if applicable, a pricing supplement). The prospectus supplement
may add, update or change the terms and conditions of the securities described in this prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_009"></A>DESCRIPTION OF DEBT SECURITIES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may issue senior debt securities or subordinated
debt securities. The senior debt securities and the subordinated debt securities will be issued under separate indentures to be entered
into between us and a bank or trust company, or other trustee that is qualified to act under the Trust Indenture Act of 1939, which we
select to act as trustee. A copy of the form of each indenture has been filed as an exhibit to the registration statement of which this
prospectus forms a part. We use the term &ldquo;indentures&rdquo; to refer to both the senior indenture and the subordinated indenture.
The indentures may be modified by one or more supplemental indentures, which we will file with the SEC and incorporate by reference as
an exhibit to the registration statement of which this prospectus is a part.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following description, and any description
in a prospectus supplement, is a summary only and is subject to, and qualified in its entirety by, reference to the terms and provisions
of the indentures and any supplemental indentures that we file with the SEC in connection with an issuance of any series of debt securities.
You should read all of the provisions of the indentures, including the definitions of certain terms, as well as any supplemental indentures
that we file with the SEC in connection with the issuance of any series of debt securities. These summaries set forth certain general
terms and provisions of the securities to which any prospectus supplement may relate. The specific terms and provisions of a series of
debt securities and the extent to which the general terms and provisions may also apply to a particular series of debt securities will
be described in the applicable prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Since we are a holding company, our right, and
accordingly, the right of our creditors and shareholders, including the holders of the securities offered by this prospectus and any prospectus
supplement, to participate in any distribution of assets of any of our subsidiaries upon its liquidation, reorganization or similar proceeding
is subject to the prior claims of creditors of that subsidiary, except to the extent that our claims as a creditor of the subsidiary may
be recognized.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Terms of the Securities</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Unless otherwise described in a prospectus supplement,
the following general terms and provisions will apply to the debt securities. The securities will not be secured by any of our assets.
Neither the indentures nor the</P>

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

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

<!-- Field: Page; Sequence: 38; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">securities will limit or otherwise restrict the amounts of other indebtedness which we may incur, or the
amount of other securities that we may issue. Although the total amount of debt securities we may offer under this prospectus will be
limited to $125,000,000 in aggregate principal amount, the indentures do not limit the principal amount of any particular series of securities.
All of the securities issued under each of the indentures will rank equally and ratably with any additional securities issued under the
same indenture. The subordinated debt securities will be subordinated as described below under &ldquo;Subordination.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Each prospectus supplement will specify the particular
terms of the securities offered. These terms may include:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the title of the securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any limit on the aggregate principal amount of the securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the priority of payments on the securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the issue price or prices (which may be expressed as a percentage of the aggregate principal amount)
of the securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the date or dates, or the method of determining the dates, on which the securities will mature;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the interest rate or rates of the securities, or the method of determining those rates;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the interest payment dates, the dates on which payment of any interest will begin and the regular record
dates;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">whether the securities will be issuable in temporary or permanent global form and, if so, the identity
of the depositary for such global security, or the manner in which any interest payable on a temporary or permanent global security will
be paid;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any terms relating to the conversion of the securities into our common stock or preferred stock or other
securities offered hereby, including, without limitation, the time and place at which such securities may be converted, the conversion
price and any adjustments to the conversion price and any other provisions that may be applicable;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any covenants that may restrict our ability to create, assume or guarantee indebtedness for borrowed
money that is secured by a pledge, lien or other encumbrance, that condition or restrict our ability to merge or consolidate with any
other person or to sell, lease or convey all or substantially all of our assets to any other person or that otherwise impose restrictions
or requirements on us;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any sinking fund or similar provisions applicable to the securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any mandatory or optional redemption provisions applicable to the securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the denomination or denominations in which securities are authorized to be issued;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">whether any of the securities will be issued in bearer form and, if so, any limitations on issuance
of such bearer securities (including exchanges for registered securities of the same series);</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">information with respect to book-entry procedures;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">whether any of the securities will be issued as original issue discount securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">each office or agency where securities may be presented for registration of transfer, exchange or conversion;</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 39; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the method of determining the amount of any payments on the securities which are linked to an index;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">if other than U.S. dollars, the currency or currencies in which payments on the securities will be payable,
and whether the holder may elect payment to be made in a different currency;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">if other than the trustee, the identity of the registrar and/or paying agent;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any defeasance of certain obligations by us pertaining to the series of securities; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any other specific terms of the securities, which terms may modify or delete any provision of the applicable
indenture insofar as it applies to the securities offered; provided, that no terms of the indentures may be modified or deleted if they
are required under the Trust Indenture Act of 1939 and that any modification or deletion of the rights, duties or immunities of an indenture
trustee shall have been consented to in writing by the trustee.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Some of our debt securities may be issued as original
issue discount securities. Original issue discount securities bear no interest or bear interest at below-market rates and will be sold
at a discount below their stated principal amount. The prospectus supplement will also contain any special tax, accounting or other information
relating to original issue discount securities or relating to certain other kinds of securities that may be offered, including securities
linked to an index.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If an event of default in connection with any outstanding
series of securities occurs and is continuing, the trustee or the holders of at least 25% in principal amount of the outstanding securities
of that series may declare the principal amount due and payable immediately. If the securities of that series are original issue discount
securities, the holders of at least 25% in principal amount of those securities may declare the portion of the principal amount specified
in the terms of that series of securities to be due and payable immediately. In either case, a written notice may be given to us, and
to the trustee, if notice is given by the holders instead of the trustee. Subject to certain conditions, the declaration of acceleration
may be revoked, and past defaults (except uncured payment defaults and certain other specified defaults) may be waived, by the holders
of not less than a majority of the principal amount of securities of that series.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">You should refer to the prospectus supplement relating
to each series of securities for the particular provisions relating to acceleration of the maturity upon the occurrence and continuation
of an event of default.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Unless otherwise indicated in the applicable prospectus
supplement, each series of the offered securities will be issued in registered form only, without coupons. The indentures will also allow
us to issue the securities in bearer form only, or in both registered and bearer form. Any securities issued in bearer form will have
interest coupons attached, unless they are issued as zero-coupon securities. Securities in bearer form will not be offered, sold, resold
or delivered in connection with their original issuance in the United States or to any United States person other than to offices of certain
United States financial institutions located outside the United States. Unless otherwise indicated in the applicable prospectus supplement,
the senior debt securities and subordinated debt securities we are offering will be issued in denominations of $1,000 or an integral multiple
of $1,000. No service charge will be made for any transfer or exchange of the securities, but we may require payment of an amount sufficient
to cover any tax or other governmental charge payable in connection with a transfer or exchange.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Payment and Paying Agent</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We will pay principal, interest and any premium
on fully registered securities in the designated currency or currency unit at the office of a designated paying agent. At our option,
payment of interest on fully registered securities may also be made by check mailed to the persons in whose names the securities are registered
on the days specified in the indentures or any prospectus supplement.</P>

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

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

<!-- Field: Page; Sequence: 40; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We will pay principal, interest and any premium
on bearer securities in the designated currency or currency unit at the office of a designated paying agent or agents outside of the United
States. Payments will be made at the offices of the paying agent in the United States only if the designated currency is U.S. dollars
and payment outside of the United States is illegal or effectively precluded. If any amount payable on a security or coupon remains unclaimed
at the end of two years after such amount became due and payable, the paying agent will release any unclaimed amounts, and the holder
of the security or coupon will look only to us for payment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The designated paying agent in the United States
for the securities we are offering will be set forth in the applicable indenture and/or the applicable prospectus supplement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The securities of a series may be issued in whole
or in part in the form of one or more global certificates (&ldquo;Global Securities&rdquo;) that will be deposited with a depositary that
we will identify in a prospectus supplement. Global Securities may be issued in either registered or bearer form and in either temporary
or permanent form. All Global Securities in bearer form will be deposited with a depositary outside the United States. Unless and until
it is exchanged in whole or in part for individual certificates evidencing securities in definitive form represented thereby, a Global
Security may not be transferred except as a whole by the depositary to a nominee of that depositary or by a nominee of that depositary
to a depositary or another nominee of that depositary.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The specific terms of the depositary arrangements
for each series of securities will be described in the applicable prospectus supplement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Each indenture provides that modifications and
amendments may be made by us and the trustee with the consent of the holders of a majority in principal amount of the outstanding securities
of each series affected by the amendment or modification. However, no modification or amendment may, without the consent of each holder
affected:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">change the stated maturity date of the security;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">reduce the principal amount, any rate of interest, or any additional amounts in respect of any security,
or reduce the amount of any premium payable upon the redemption of any security;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">change the time or place of payment, currency or currencies in which any security or any premium or
interest thereon is payable;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">impair the holders&rsquo; rights to institute suit for the enforcement of any payment on or after the
stated maturity date of any security, or in the case of redemption, on or after the redemption date;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">reduce the percentage in principal amount of securities required to consent to any modification, amendment
or waiver under the indenture;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">modify, except under limited circumstances, any provision of the applicable indenture relating to modification
and amendment of the indenture, waiver of compliance with conditions and defaults thereunder or the right of a majority of holders to
take action under the applicable indenture;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">adversely affect any rights of conversion;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">in the case of the subordinated indenture, alter the provisions regarding subordination of the subordinated
debt securities in any way that would be adverse to the holders of those securities;</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 41; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">reduce the principal amount of original issue discount securities which could be declared due and payable
upon an acceleration of their maturity; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">change our obligation to pay any additional amounts.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The holders of a majority in principal amount of
the outstanding securities of any series may waive compliance by us and the trustee with certain provisions of the applicable indenture.
The holders of a majority in principal amount of the outstanding securities of any series may waive any past default under the applicable
indenture with respect to that series, except a default in the payment of the principal, or any premium, interest, or additional amounts
payable on a security of that series or in respect of a covenant or provision which under the terms of the applicable indenture cannot
be modified or amended, without the consent of each affected holder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">With the trustee, we may modify and amend any indenture
without the consent of any holder for any of the following purposes:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to name a successor entity to us;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to add to our covenants for the benefit of the holders of all or any series of securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to add to the events of default;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to add to, delete from or revise the conditions, limitations and restrictions on the authorized amount,
terms or purposes of issue, authentication and delivery of securities, as set forth in the applicable indenture;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to establish the form or terms of securities of any series and any related coupons;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to provide for the acceptance of appointment by a successor trustee;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to make provision for the conversion rights of the holders of the securities in certain events;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to cure any ambiguity, defect or inconsistency in the applicable indenture, provided that such action
is not inconsistent with the provisions of that indenture and does not adversely affect the interests of the applicable holders; </FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to modify, eliminate or add to the provisions of any indenture to conform to our, or the trustee&rsquo;s,
obligations under the applicable indenture to the Trust Indenture Act; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">to make any other changes that apply only to debt securities to be issued thereafter.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Calculation of Outstanding Debt Securities</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">To calculate whether the holders of a sufficient
principal amount of the outstanding securities have given any request, demand, authorization, direction, notice, consent or waiver under
any indenture:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">In the case of original issue discount securities, the principal amount that may be included in the
calculation is the amount of principal that would be declared to be due and payable upon a declaration of acceleration according to the
terms of that original issue discount security as of the date of the calculation.</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Any securities owned by us, or owned by any other obligor of the securities or any affiliate of ours
or any other obligor, should be disregarded and deemed not to be outstanding for purposes of the calculation.</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 42; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

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



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Other than the duty to act with the required standard
of care during an event of default, the trustee is not obligated to exercise any of its rights or powers under the applicable indenture
at the request or direction of any of the holders of the securities, unless the holders have offered the trustee reasonable indemnification.
Each indenture provides that the holders of a majority in principal amount of outstanding securities of any series may, in certain circumstances,
direct the time, method and place of conducting any proceeding for any remedy available to the trustee, or exercising any trust or other
power conferred on the trustee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">No holder of a security of any series will have
the right to institute any proceeding for any remedy under the applicable indenture, unless:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the holder has provided the trustee with written notice of a continuing event of default regarding the
holder&rsquo;s series of securities;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the holders of at least 25% in principal amount of the outstanding securities of a series have made
a written request, and offered indemnity satisfactory to the trustee, to the trustee to institute a proceeding for remedy;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the trustee has failed to institute the proceeding within 60 days after its receipt of such notice,
request and offer of indemnity; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the trustee has not received directions during such 60-day period inconsistent with such request from
the holders of a majority in principal amount of the outstanding securities of that series.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">However, the holder of any security will have an
absolute and unconditional right to receive payment of the principal, any premium, any interest or any additional amounts in respect of
such security on or after the date expressed in such security and to institute suit for the enforcement of any such payment. We are required
to file annually with the trustee a certificate of no default or specifying any default that exists.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Transactions with the Trustee</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We and our subsidiaries may maintain deposit accounts
and conduct various banking and other transactions with an indenture trustee. The trustee and its subsidiaries may maintain deposit accounts
and conduct various banking transactions with us and our subsidiaries.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The applicable prospectus supplement relating to
any convertible debt securities will describe the terms on which those securities are convertible.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following will be events of default under the
senior indenture with respect to the senior debt securities of a series:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">failure to pay any interest or any additional amounts on any senior debt security of that series when
due, and continuance of such default for 30 days;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">failure to pay principal of, or any premium on, any senior debt security of that series when due;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">failure to deposit any sinking fund payment for a senior debt security of that series when due;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">failure to perform any of our other covenants or warranties in the senior indenture or senior debt securities
(other than a covenant or warranty included in that indenture solely for the benefit of a</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 43; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in">&nbsp;</TD><TD><FONT STYLE="font-size: 10pt"> different series of senior debt securities),
which has continued for 90 days after written notice as provided in the senior indenture;</FONT></TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">acceleration of indebtedness in a principal amount specified in a supplemental indenture for money borrowed
by us under the senior indenture, and the acceleration is not annulled, or the indebtedness is not discharged, within a specified period
after written notice is given according to the senior indenture;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">certain events in bankruptcy, insolvency or reorganization of us or Southern First Bank; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any other event of default regarding that series of senior debt securities.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Unless otherwise described in the prospectus supplement
applicable to a particular series of subordinated debt securities, events of default under the subordinated indenture are limited to certain
events of bankruptcy, insolvency or reorganization of us or Southern First Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">There is no right of acceleration of the payment
of principal of a series of subordinated debt securities upon a default in the payment of principal or interest, nor upon a default in
the performance of any covenant or agreement in the subordinated debt securities of a particular series or in the applicable indenture.
In the event of a default in the payment of interest or principal, the holders of senior debt will be entitled to be paid in full before
any payment can be made to holders of subordinated debt securities. However, a holder of a subordinated debt security (or the trustee
under the applicable indenture on behalf of all of the holders of the affected series) may, subject to certain limitations and conditions,
seek to enforce overdue payments of interest or principal on the subordinated debt securities.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The senior debt securities will be unsecured and
will rank equally among themselves and with all of our other unsecured and non-subordinated debt, if any.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The subordinated debt securities will be unsecured
and will be subordinate and junior in right of payment, to the extent and in the manner set forth below, to the prior payment in full
of all of the Company&rsquo;s senior debt, as more fully described in the applicable prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If any of the following circumstances have occurred,
payment in full of all principal, premium, if any, and interest must be made or provided for with respect to all outstanding senior debt
before we can make any payment or distribution of principal, premium, if any, any additional amounts or interest on the subordinated debt
securities:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any insolvency, bankruptcy, receivership, liquidation, reorganization or other similar proceeding relating
to us or to our property has been commenced;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any voluntary or involuntary liquidation, dissolution or other winding up relating to us has been commenced,
whether or not such event involves our insolvency or bankruptcy;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any of our subordinated debt security of any series is declared or otherwise becomes due and payable
before its maturity date because of any event of default under the subordinated indenture, provided that such declaration has not been
rescinded or annulled as provided in the subordinated indenture; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any default with respect to senior debt which permits its holders to accelerate the maturity of the
senior debt has occurred and is continuing, and either (a) notice of such default has been given to us and to the trustee and judicial
proceedings are commenced in respect of such default within 180 days after notice in the case of a default in the payment of principal
or interest, or within 90 days after notice in the case of any other default, or (b) any judicial proceeding is pending with respect to
any such default.</FONT></TD></TR></TABLE>

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

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

<!-- Field: Page; Sequence: 44; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_010"></A>DESCRIPTION OF PREFERRED STOCK</B></P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of this section, the terms &ldquo;we,&rdquo;
&ldquo;our&rdquo; and &ldquo;us&rdquo; refer only to Southern First Bancshares, Inc. and not to its subsidiaries.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following summarizes the general provisions
of the shares of preferred stock, par value $0.01 per share, which we may offer from time to time. The specific terms of a series of preferred
stock will be described in the applicable prospectus supplement relating to that series of preferred stock. The following description
of the preferred stock and any description of preferred stock in a prospectus supplement is only a summary and is subject to and qualified
in its entirety by reference to the articles of amendment to our amended and restated articles of incorporation relating to the particular
series of preferred stock, a copy of which we will file with the SEC in connection with the sale of any series of preferred stock (or
incorporate by reference into the registration statement of which this prospectus forms a part).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Under our amended and restated articles of incorporation,
our board of directors is authorized, without shareholder approval, to adopt resolutions providing for the issuance of up to 10,000,000
shares of preferred stock, par value $0.01 per share, in one or more series. As of the date of this prospectus, no shares of our preferred
stock are issued and outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our board of directors may fix the voting powers,
designations, preferences, rights, qualifications, limitations and restrictions of each series of preferred stock that we may offer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In addition, as described under &ldquo;Description
of Depositary Shares,&rdquo; we may, instead of offering full shares of any series of preferred stock, offer depositary shares evidenced
by depositary receipts, each representing a fraction of a share of the particular series of preferred stock issued and deposited with
a depositary. The fraction of a share of preferred stock which each depositary share represents will be set forth in the prospectus supplement
relating to such depositary shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The prospectus supplement relating to a particular
series of preferred stock will contain a description of the specific terms of that series, including, as applicable:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the title, designation, number of shares and stated or liquidation value of the preferred stock;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the dividend amount or rate or method of calculation, the payment dates for dividends and the place
or places where the dividends will be paid, whether dividends will be cumulative or noncumulative, and, if cumulative, the dates from
which dividends will begin to accrue;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any conversion or exchange rights;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">whether the preferred stock will be subject to redemption and the redemption price and other terms and
conditions relative to the redemption rights;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any liquidation rights;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any sinking fund provisions;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any voting rights;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the exchange or market, if any, where the preferred stock will be listed or traded; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any other rights, preferences, privileges, limitations and restrictions that are not inconsistent with
the terms of our amended and restated articles of incorporation.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Upon the issuance and payment for shares of preferred
stock, the shares will be fully paid and nonassessable. Except as may otherwise be specified in the prospectus supplement relating to
a particular series of</P>

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

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

<!-- Field: Page; Sequence: 45; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">preferred stock, holders of preferred stock will not have any preemptive or subscription rights to acquire any
class or series of our capital stock and the relative ranking of any series of preferred stock (including with respect to dividends and
distributions upon liquidation) will be as set forth in the applicable prospectus supplement and the applicable articles of amendment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The authorization of the preferred stock could
have the effect of making it more difficult or time-consuming for a third party to acquire a majority of our outstanding voting stock
or otherwise effect a change of control. Shares of the preferred stock may also be sold to third parties that indicate that they would
support the board of directors in opposing a hostile takeover bid. The availability of the preferred stock could have the effect of delaying
a change of control and of increasing the consideration ultimately paid to our shareholders. The board of directors may authorize the
issuance of preferred stock for capital-raising activities, acquisitions, joint ventures or other corporate purposes that have the effect
of making an acquisition of the Company more difficult or costly, as could also be the case if the board of directors were to issue additional
common stock for such purposes. See &ldquo;Anti-Takeover Effects of Certain Articles of Incorporation Provisions.&rdquo;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If so specified in the applicable prospectus supplement,
a series of preferred stock may be redeemable at any time, in whole or in part, at our option, and may be mandatorily redeemable or convertible.
Restrictions, if any, on the repurchase or redemption by us of any series of our preferred stock will be described in the applicable prospectus
supplement relating to that series. Generally, any redemption of our preferred stock will be subject to applicable regulatory requirements,
which may include prior notice to, or approval from, the Federal Reserve or other regulators. Any partial redemption of a series of preferred
stock would be made in the manner described in the applicable prospectus supplement relating to that series.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Upon the redemption date of shares of preferred
stock called for redemption or upon our earlier call and deposit of the redemption price, all rights of holders of the preferred stock
called for redemption will terminate, except for the right to receive the redemption price.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Holders of each series of preferred stock will
be entitled to receive cash dividends only when, as and if declared by our board of directors, out of funds legally available for dividends.
The rates or amounts and dates of payment of dividends will be described in the applicable prospectus supplement relating to each series
of preferred stock. Dividends will be payable to holders of record of preferred stock on the record dates fixed by our board of directors.
Dividends on any series of preferred stock may be cumulative or noncumulative, as described in the applicable prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our board of directors may not declare, pay or
set apart funds for payment of dividends on a particular series of preferred stock unless full dividends on any other series of preferred
stock that ranks equally with or senior to such series of preferred stock with respect to the payments of dividends have been paid or
sufficient funds have been set apart for payment for either of the following:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">all prior dividend periods of each such series of preferred stock that pay dividends on a cumulative
basis; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the immediately preceding dividend period of each such series of preferred stock that pays dividends
on a noncumulative basis.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Partial dividends declared on shares of any series
of preferred stock and other series of preferred stock ranking on an equal basis as to dividends will be declared pro rata. A pro rata
declaration means that the ratio of dividends declared per share to accrued dividends per share will be the same for all series of preferred
stock of equal priority.</P>

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

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

<!-- Field: Page; Sequence: 46; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

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



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In the event of the liquidation, dissolution or
winding-up of us, holders of each series of preferred stock will have the right to receive distributions upon liquidation in the amount
described in the applicable prospectus supplement relating to each series of preferred stock, plus an amount equal to any accrued but
unpaid dividends. These distributions will be made before any distribution is made on our common stock or on any securities ranking junior
to such preferred stock upon liquidation, dissolution or winding-up.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">However, holders of the shares of preferred stock
will not be entitled to receive the liquidation price of their shares until we have paid or set aside an amount sufficient to pay in full
the liquidation preference of any class or series of our capital stock ranking senior as to rights upon liquidation, dissolution or winding
up. Unless otherwise provided in the applicable prospectus supplement, neither a consolidation or merger of the Company&nbsp;with or into
another corporation nor a merger of another corporation with or into the Company nor a sale or transfer of all or part of the Company&rsquo;s
assets for cash or securities will be considered a liquidation, dissolution or winding up of the Company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If the liquidation amounts payable to holders of
preferred stock of all series ranking on a parity regarding liquidation are not paid in full, the holders of the preferred stock of these
series will have the right to a ratable portion of our available assets up to the full liquidation preference. Holders of these series
of preferred stock or such other securities will not be entitled to any other amounts from us after they have received their full liquidation
preference.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The prospectus supplement will indicate whether
and on what terms the shares of any future series of preferred stock will be convertible into or exchangeable for shares of any other
class, series or security of&nbsp;the Company or any other corporation or any other property (including whether the conversion or exchange
is mandatory, at the option of the holder or our option, the period during which conversion or exchange may occur, the initial conversion
or exchange price or rate and the circumstances or manner in which the amount of common or preferred stock or other securities issuable
upon conversion or exchange may be adjusted). It will also indicate for preferred stock convertible into common stock, the number of shares
of common stock to be reserved in connection with, and issued upon conversion of, the preferred stock (including whether the conversion
or exchange is mandatory, the initial conversion or exchange price or rate and the circumstances or manner in which the amount of common
stock issuable upon conversion or exchange may be adjusted) at the option of the holder or our option and the period during which conversion
or exchange may occur.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The holders of shares of preferred stock will have
no voting rights, except:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">as otherwise stated in the applicable prospectus supplement;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">as otherwise stated in the articles of amendment to our amended and restated articles of incorporation
establishing the series of such preferred stock; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">as otherwise required by applicable law.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Transfer Agent and Registrar</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The transfer agent, registrar, dividend paying
agent and depositary, if any, for any preferred stock offering will be stated in the applicable prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_011"></A>DESCRIPTION OF DEPOSITARY SHARES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following briefly summarizes the general provisions
of the depositary shares representing a fraction of a share of preferred stock of a specific series, or &ldquo;depositary shares,&rdquo;
and depositary receipts (as defined below) that we may issue from time to time. The specific terms of any depositary shares or depositary
receipts, including pricing and related terms, will be disclosed in the applicable prospectus supplement. The prospectus supplement will
also</P>

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

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

<!-- Field: Page; Sequence: 47; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">state whether any of the general provisions summarized below apply or not to the depositary shares or depositary receipts being offered.
The following description and any description in a prospectus supplement is a summary only and is subject to, and qualified in its entirety
by reference to the terms and provisions of the deposit agreement(s), which we will file with the SEC in connection with an issuance of
depositary shares (or incorporate by reference into the registration statement of which this prospectus forms a part).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Description of Depositary Shares</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may offer depositary shares evidenced by receipts
for such depositary shares, which we sometimes refer to as &ldquo;depositary receipts.&rdquo; Each depositary receipt represents a fraction
of a share of the particular series of preferred stock issued and deposited with a depositary. The fraction of a share of preferred stock
which each depositary share represents will be set forth in the applicable prospectus supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We will deposit the shares of any series of preferred
stock represented by depositary shares according to the provisions of a deposit agreement to be entered into between us and a bank or
trust company, which we will select as our preferred stock depositary, and which may be the same institution that serves as an indenture
trustee. The depositary must have its principal office in the United States and have combined capital and surplus of at least $50,000,000.
We will name the depositary in the applicable prospectus supplement. Each owner of a depositary share will be entitled to all the rights
and preferences of the underlying preferred stock in proportion to the applicable fraction of a share of preferred stock represented by
the depositary share. These rights include dividend, voting, redemption, conversion and liquidation rights. The depositary will send the
holders of depositary shares all reports and communications that we deliver to the depositary and which we are required to furnish to
the holders of depositary shares. We may issue depositary receipts in temporary, definitive or book-entry form.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Withdrawal of Preferred Stock</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">A holder of depositary shares may receive the number
of whole shares of the series of preferred stock and any money or other property represented by the holder&rsquo;s depositary receipts
after surrendering the depositary receipts at the corporate trust office of the depositary. Partial shares of preferred stock will not
be issued. If the surrendered depositary shares exceed the number of depositary shares that represent the number of whole shares of preferred
stock the holder wishes to withdraw, then the depositary will deliver to the holder at the same time a new depositary receipt evidencing
the excess number of depositary shares. Once the holder has withdrawn the preferred stock, the holder will not be entitled to re-deposit
such preferred stock under the deposit agreement or to receive depositary shares in exchange for such preferred stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Dividends and Other Distributions</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Holders of depositary shares of any series will
receive their pro rata share of cash dividends or other cash distributions received by the depositary on the preferred stock of that series
held by it. Each holder will receive these distributions in proportion to the number of depositary shares owned by the holder. The depositary
will distribute only whole United States dollars and cents. The depositary will add any fractional cents not distributed to the next sum
received for distribution to record holders of depositary shares. In the event of a non-cash distribution, the depositary will distribute
property to the record holders of depositary shares, unless the depositary determines that it is not feasible to make such a distribution.
If this occurs, the depositary, with our approval, may sell the property and distribute the net proceeds from the sale to the holders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Redemption of Depositary Shares</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">If a series of preferred stock represented by depositary
shares is subject to redemption, then we will give the required funds to the depositary. The depositary will then redeem the depositary
shares using the funds it received from us for the preferred stock. The depositary will notify the record holders of the depositary shares
to be redeemed not less than 30 days nor more than 60 days before the date fixed for redemption at the holders&rsquo; addresses appearing
in the depositary&rsquo;s books. The redemption price per depositary share will be equal to the redemption price payable per share for
the applicable series of the preferred stock and any other amounts per share payable with respect to that series of preferred stock multiplied
by the fraction of a share of preferred stock represented by one depositary share. Whenever we redeem shares of a series of preferred
stock held by the depositary, the depositary</P>

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

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

<!-- Field: Page; Sequence: 48; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->21<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">will redeem the depositary shares representing the shares of preferred stock on the same
day. If fewer than all the depositary shares of a series are to be redeemed, the depositary shares will be selected by lot, ratably or
by such other equitable method as we and the depositary may determine.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Upon and after the redemption of shares of the
underlying series of preferred stock, the depositary shares called for redemption will no longer be considered outstanding. Therefore,
all rights of holders of the depositary shares will then cease, except that the holders will still be entitled to receive any cash payable
upon the redemption and any money or other property to which the holder was entitled at the time of redemption.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Upon receipt of notice of any meeting at which
the holders of preferred stock of the related series are entitled to vote, the depositary will notify holders of depositary shares of
the upcoming vote and arrange to deliver our voting materials to the holders. The record date for determining holders of depositary shares
that are entitled to vote will be the same as the record date for the related series of preferred stock. The materials the holders will
receive will (1) describe the matters to be voted on and (2) explain how the holders, on a certain date, may instruct the depositary to
vote the shares of preferred stock underlying the depositary shares. For instructions to be valid, the depositary must receive them on
or before the date specified. The depositary will attempt, as far as practical, to vote the shares as instructed by the holder. We will
cooperate with the depositary to enable it to vote as instructed by holders of depositary shares. If any holder does not instruct the
depositary how to vote the holder&rsquo;s shares, the depositary will abstain from voting those shares.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The depositary will convert or exchange all depositary
shares on the same day that the preferred stock underlying the depositary shares is converted or exchanged. In order for the depositary
to do so, we will deposit with the depositary any other preferred stock, common stock or other securities into which the preferred stock
is to be converted or for which it will be exchanged.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The exchange or conversion rate per depositary
share will be equal to the exchange or conversion rate per share of preferred stock, multiplied by the fraction of a share of preferred
stock represented by one depositary share. All amounts per depositary share payable by us for dividends that have accrued on the preferred
stock to the exchange or conversion date that have not yet been paid shall be paid in appropriate amounts on the depositary shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The depositary shares, as such, cannot be converted
or exchanged into other preferred stock, common stock, securities of another issuer or any other of our securities or property. Nevertheless,
if so specified in the applicable prospectus supplement, a holder of depositary shares may be able to surrender the depositary receipts
to the depositary with written instructions asking the depositary to instruct us to convert or exchange the preferred stock represented
by the depositary shares into other shares of preferred stock or common stock or to exchange the preferred stock for securities of another
issuer. If the depositary shares carry this right, we would agree that, upon the payment of applicable fees and taxes, if any, we will
cause the conversion or exchange of the preferred stock using the same procedures as we use for the delivery of preferred stock. If a
holder is only converting part of the depositary shares represented by a depositary receipt, new depositary receipts will be issued for
any depositary shares that are not converted or exchanged.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Amendment and Termination of the Deposit Agreement</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may agree with the depositary to amend the deposit
agreement and the form of depositary receipt without consent of the holder at any time. However, if the amendment adds or increases fees
or charges payable by holders of the depositary shares or prejudices an important right of holders, it will only become effective with
the approval of holders of at least a majority of the affected depositary shares then outstanding. If an amendment becomes effective,
holders are deemed to agree to the amendment and to be bound by the amended deposit agreement if they continue to hold their depositary
receipts.</P>

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

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

<!-- Field: Page; Sequence: 49; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->22<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The deposit agreement will automatically terminate
if:</P>



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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">all outstanding depositary shares have been redeemed and all amounts payable upon redemption have been
paid;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">each share of preferred stock held by the depositary has been converted into or exchanged for common
stock, other preferred stock or other securities; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">a final distribution in respect of the preferred stock held by the depositary has been made to the holders
of depositary receipts in connection with our liquidation, dissolution or winding-up.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may also terminate the deposit agreement at
any time. Upon such event, the depositary will give notice of termination to the holders not less than 30 days before the termination
date. Once depositary receipts are surrendered to the depositary, it will send to each holder the number of whole and fractional shares
of the series of preferred stock underlying that holder&rsquo;s depositary receipts, provided that, at our election we may pay cash in
lieu of fractional shares of preferred stock that may be issuable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Charges of Depositary and Expenses</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We will pay all transfer and other taxes and governmental
charges in connection with the establishment of the depositary arrangements. We will pay all charges and fees of the depositary for the
initial deposit of the preferred stock, the depositary&rsquo;s services and redemption of the preferred stock. Holders of depositary shares
will pay transfer and other taxes and governmental charges and the charges that are provided in the deposit agreement to be for the holder&rsquo;s
account.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Limitations on Our Obligations and Liability to Holders of Depositary
Receipts</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The deposit agreement will limit our obligations
and the obligations of the depositary. It will also limit our liability and the liability of the depositary as follows:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">We and the depositary will only be obligated to take the actions specifically set forth in the deposit
agreement in good faith;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">We and the depositary will not be liable if either is prevented or delayed by law or circumstances beyond
our or its control from performing our or its obligations under the deposit agreement;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">We and the depositary will not be liable if either exercises discretion permitted under the deposit
agreement;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">We and the depositary will have no obligation to become involved in any legal or other proceeding related
to the depositary receipts or the deposit agreement on behalf of the holders of depositary receipts or any other party, unless we and
the depositary are provided with satisfactory indemnity; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">We and the depositary will be permitted to rely upon any written advice of counsel or accountants and
on any documents we believe in good faith to be genuine and to have been signed or presented by the proper party.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In the deposit agreement, we will agree to indemnify
the depositary under certain circumstances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Resignation and Removal of Depositary</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The depositary may resign at any time by notifying
us of its election to do so. In addition, we may remove the depositary at any time. Such resignation or removal will take effect when
we appoint a successor depositary, and it accepts the appointment. We must appoint the successor depositary within 60 days after delivery
of the notice of resignation or removal, and the new depositary must be a bank or trust company having its principal office in the United
States and having a combined capital and surplus of at least $50,000,000.</P>

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

<!-- Field: Page; Sequence: 50; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->23<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_012"></A>DESCRIPTION OF COMMON STOCK</B></P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of this section, the terms &ldquo;we,&rdquo;
&ldquo;our&rdquo; and &ldquo;us&rdquo; refer only to Southern First Bancshares, Inc. and not to its subsidiaries.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following description of shares of our common
stock, par value $0.01 per share, is a summary only and is subject to, and qualified by reference to, applicable provisions of the South
Carolina Business Corporation Act, our amended and restated articles of incorporation, as amended, and our amended and restated bylaws,
which are incorporated by reference into this prospectus. You should refer to, and read this summary together with, our amended and restated
articles of incorporation, as amended, and amended and restated bylaws to review all of the terms of our common stock.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As of the date of this prospectus, our amended
and restated articles of incorporation, as amended, provide that we may issue up to 20,000,000 shares of common stock, par value of $0.01
per share. As of January 31, 2026, 8,216,328 shares of our common stock were issued and outstanding. All outstanding shares of our common
stock are fully paid and nonassessable. Our common stock is listed on The NASDAQ Global Market under the symbol &ldquo;SFST&rdquo;.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Each outstanding share of our common stock entitles
the holder to one vote on all matters submitted to a vote of common shareholders, including the election of directors. The holders of
our common stock possess exclusive voting power, except as otherwise provided by law or by articles of amendment establishing any series
of our preferred stock.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">There is no cumulative voting in the election of
directors. The holders of a majority of the votes cast by our common shareholders can elect all of the directors then standing for election
by the common shareholders. When a quorum is present at any meeting, questions brought before the meeting will be decided by the vote
of the holders of a majority of the shares present and voting on such matter, whether in person or by proxy, except when the meeting concerns
matters requiring the vote of a greater number of affirmative votes under applicable South Carolina law or our amended and restated articles
of incorporation. Our amended and restated articles of incorporation provide certain provisions that may limit shareholders&rsquo; ability
to effect a change in control as described under the section below entitled &ldquo;Anti-Takeover Effects of Certain Articles of Incorporation
Provisions.&rdquo; In addition, our bylaws provide that special meetings of shareholders generally may be called by specified officers
or a majority of the board, and (if and to the extent required by applicable law) upon the written demand of holders of at least 10% of
the votes entitled to be cast on the matter(s) to be considered at the meeting.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Dividends, Liquidation and Other Rights</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Holders of shares of common stock are entitled
to receive dividends only when, as and if approved by our board of directors, from funds legally available for the payment of dividends.
Our shareholders are entitled to share ratably in our assets legally available for distribution to our shareholders in the event of our
liquidation, dissolution or winding up, voluntarily or involuntarily, after payment of, or adequate provision for, all of our known debts
and liabilities. These rights are subject to the preferential rights of any series of our preferred stock that may then be outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Holders of shares of our common stock have no preference,
conversion, exchange, sinking fund or redemption rights and have no preemptive rights to subscribe for any of our securities. Our board
of directors may issue additional shares of our common stock or rights to purchase shares of our common stock without the approval of
our shareholders.</P>

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

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

<!-- Field: Page; Sequence: 51; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->24<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Transfer Agent and Registrar</B></P>



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Subject to compliance with applicable federal and
state securities laws, our common stock may be transferred without any restrictions or limitations. Our bylaws permit the board of directors
(and, in certain cases, shareholders) to impose restrictions on the transfer of shares to the maximum extent permitted by law. The transfer
agent and registrar for shares of our common stock is Computershare.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_013"></A>DESCRIPTION OF PURCHASE CONTRACTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We also may issue purchase contracts, including
contracts obligating holders to purchase from us, and obligating us to sell to holders, a fixed or varying number of shares of common
stock, preferred stock, depositary shares or debt securities at a future date or dates. The consideration per share of common stock, preferred
stock, depositary shares or debt securities may be fixed at the time that the purchase contracts are issued or may be determined by reference
to a specific formula set forth in the purchase contracts. Any purchase contract may include anti-dilution provisions to adjust the number
of shares issuable pursuant to such purchase contract upon the occurrence of certain events.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The purchase contracts may be issued separately
or as a part of units consisting of a purchase contract, debt securities and preferred stock or depositary shares. These contracts, and
the holders&rsquo; obligations to purchase shares of our common stock, preferred stock, depositary shares or debt securities under the
purchase contracts may be secured by cash, certificates of deposit, U.S. government securities that will mature prior to or simultaneously
with, the maturity of the purchase contract, standby letters of credit from an affiliated U.S. bank that is FDIC-insured or other collateral
as may be specified in the applicable purchase contract or unit agreement. The purchase contracts may require us to make periodic payments
to holders of the purchase units, or vice versa, and such payments may be unsecured or prefunded and may be paid on a current or on a
deferred basis.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Any one or more of the above securities, common
stock or the purchase contracts or other collateral may be pledged as security for the holders&rsquo; obligations to purchase or sell,
as the case may be, the common stock or preferred stock under the purchase contracts, in each case as described in the applicable prospectus
supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_014"></A>DESCRIPTION OF UNITS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We also may offer two or more of the securities
described in this prospectus in the form of a &ldquo;unit&rdquo;, including pursuant to a unit agreement. The units may be transferable
only as a whole, or the securities comprising a unit may, as described in the prospectus supplement, be separated and transferred by the
holder separately. There may or may not be an active market for units or the underlying securities, and not all the securities comprising
a unit may be listed or traded on a securities exchange or market. The applicable prospectus supplement will describe the terms of any
units and any applicable unit agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_015"></A>DESCRIPTION OF WARRANTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of this section, the terms &ldquo;we,&rdquo;
&ldquo;our&rdquo; and &ldquo;us&rdquo; refer only to Southern First Bancshares, Inc. and not to its subsidiaries.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may issue warrants in one or more series to
purchase senior debt securities, subordinated debt securities, preferred stock, depositary shares, common stock or any combination of
these securities. Warrants may be issued independently or together with other securities and may be attached to or separate from the other
securities. We will issue each series of warrants under a separate warrant agreement to be entered into between us and a warrant agent.
The warrant agent will act solely as our agent in connection with the warrants of such series and will not assume any obligation or relationship
of agency for or on behalf of holders or beneficial owners of warrants. The following summarizes some of the general terms and provisions
of the warrants. Further terms of the warrants and the applicable warrant agreement will be stated in the applicable prospectus supplement.
The following description and any description of the warrants in a prospectus supplement are not complete and are subject to and qualified
in their entirety by reference to the terms and provisions of the warrant agreement, which we will file with the SEC in connection with
the issuance of any warrants (or incorporate by reference into the registration statement of which this prospectus forms a part).</P>

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

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

<!-- Field: Page; Sequence: 52; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->25<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The applicable prospectus supplement will describe
the terms of any warrants, including the following, as may be applicable:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the title of the warrants;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the total number of warrants to be issued;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the consideration for which we will issue the warrants, including the applicable currency or currencies;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">anti-dilution provisions to adjust the number of shares of our common stock or other securities to be
delivered upon exercise of the warrants;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the designation and terms of the underlying securities purchasable upon exercise of the warrants;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the price at which and the currency or currencies in which investors may purchase the underlying securities
purchasable upon exercise of the warrants;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the dates on which the right to exercise the warrants will commence and expire;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the procedures and conditions relating to the exercise of the warrants;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">whether the warrants will be in registered or bearer form;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">information with respect to book-entry registration and transfer procedures, if any;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the minimum or maximum amount of warrants which may be exercised at any one time;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the designation and terms of the underlying securities with which the warrants are issued and the number
of warrants issued with each underlying security;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the date on and after which the warrants and securities issued with the warrants will be separately
transferable;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">a discussion of material United States federal income tax considerations;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">the identity of the warrant agent; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; font-size: 10pt">&#183;</FONT></TD><TD><FONT STYLE="font-size: 10pt">any other terms of the warrants, including terms, procedures and limitations relating to the exchange,
transfer and exercise of the warrants.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Warrant certificates may be exchanged for new warrant
certificates of different denominations, and warrants may be exercised at the warrant agent&rsquo;s corporate trust office or any other
office indicated in the applicable prospectus supplement. Prior to the exercise of their warrants, holders of warrants exercisable for
debt securities will not have any of the rights of holders of the debt securities purchasable upon such exercise and will not be entitled
to payments of principal (or premium, if any) or interest, if any, on the debt securities purchasable upon such exercise. Prior to the
exercise of their warrants, holders of warrants exercisable for shares of common stock, preferred stock or depositary shares will not
have any rights of holders of the common stock, preferred stock or depositary shares purchasable upon such exercise, including any rights
to vote such shares or to receive any distributions or dividends thereon.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">A warrant will entitle the holder to purchase for
cash an amount of securities at an exercise price that will be stated in, or that will be determinable as described in, the applicable
prospectus supplement. Warrants may be</P>

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

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

<!-- Field: Page; Sequence: 53; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->26<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">exercised at any time prior to the close of business on the expiration date and in accordance with
the procedures set forth in the applicable prospectus supplement. Upon and after the close of business on the expiration date, unexercised
warrants will be void and have no further force, effect or value.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The holders of warrants, without the consent of
the warrant agent, may, on their own behalf and for their own benefit, enforce, and may institute and maintain any suit, action or proceeding
against us to enforce their rights to exercise and receive the securities purchasable upon exercise of their warrants.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_016"></A>DESCRIPTION OF RIGHTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">For purposes of this section, the terms &ldquo;we&rdquo;,
&ldquo;our&rdquo;, and &ldquo;us&rdquo; refer only to Southern First Bancshares, Inc. and not to its subsidiaries.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The following briefly summarizes the general provisions
of rights that we may offer to purchase additional shares of our common stock or any series of preferred stock, which we may issue. The
following description and any description in a prospectus supplement is a summary only and is subject to, and qualified in its entirety
by reference to the terms and provisions of the rights, which we will file with the SEC in connection with an issuance of rights to holders
of our common stock or any series of our preferred stock (or incorporate by reference into the registration statement of which this prospectus
forms a part). The specific terms of any rights, including the period during which the rights may be exercised, the manner of exercising
such rights, and the transferability of rights, will be disclosed in the applicable prospectus supplement. Although we may issue rights,
in our sole discretion, we have no obligation to do so.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may distribute rights, which may or may not
be transferable, to the holders of our common stock or any series of our preferred stock as of a record date set by our board of directors,
at no cost to such holders. Each holder will be given the right to purchase a specified number of whole shares of our common stock or
preferred stock for every share of our common stock or a series of preferred stock that the holder owned on such record date, as set forth
in the applicable prospectus supplement. Unless otherwise provided in an applicable prospectus supplement, no fractional rights or rights
to purchase fractional shares will be distributed in any rights offering. The rights will be evidenced by rights certificates, which may
be in definitive or book-entry form. Each right will entitle the holder to purchase shares of our common stock or a series of preferred
stock at a rate and price per share to be established by our board of directors, as set forth in the applicable prospectus supplement.
If holders of rights wish to exercise their rights, they must do so before the expiration date of the rights offering, as set forth in
the applicable prospectus supplement. Upon the expiration date, the rights will expire and will no longer be exercisable, unless, in our
sole discretion prior to the expiration date, we extend the rights offering.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our board of directors will determine the exercise
price or prices for the rights based upon a number of factors, including, without limitation, our business prospects; our capital requirements;
the price or prices at which an underwriter or standby purchasers may be willing to purchase shares that remain unsold in the rights offering;
and general conditions in the securities markets, especially for securities of financial institutions. The exercise price may or may not
reflect the actual or long-term fair value of the common stock or preferred stock offered in the rights offering. We provide no assurances
as to the market values or liquidity of any rights issued, or as to whether or not the market prices of the common stock or preferred
stock subject to the rights will be more or less than the rights&rsquo; exercise price during the term of the rights or after the rights
expire.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Exercising Rights; Fees and Expenses</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The manner of exercising rights will be set forth
in the applicable prospectus supplement. Any subscription agent or escrow agent will be set forth in the applicable prospectus supplement.
We will pay all fees charged by any subscription agent and escrow agent in connection with the distribution and exercise of rights. Rights
holders will be</P>

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

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

<!-- Field: Page; Sequence: 54; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->27<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">responsible for paying all other commissions, fees, taxes or other expenses incurred in connection with their transfer
of rights that are transferable. Neither we nor the subscription agent will pay such expenses.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The applicable prospectus supplement will set forth
the expiration date and time (&ldquo;Expiration Date&rdquo;) for exercising rights. If holders of rights do not exercise their rights
prior to such time, their rights will expire and will no longer be exercisable and will have no value.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We will extend the Expiration Date as required
by applicable law and may, in our sole discretion, extend the Expiration Date. If we elect to extend the Expiration Date, we will issue
a press release announcing such extension prior to the scheduled Expiration Date.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may withdraw the rights offering at any time
prior to the Expiration Date for any reason. We may terminate the rights offering, in whole or in part, at any time before completion
of the rights offering if there is any judgment, order, decree, injunction, statute, law or regulation entered, enacted, amended or held
to be applicable to the rights offering that in the sole judgment of our board of directors would or might make the rights offering or
its completion, whether in whole or in part, illegal or otherwise restrict or prohibit completion of the rights offering. We may waive
any of these conditions and choose to proceed with the rights offering even if one or more of these events occur. If we terminate the
rights offering, in whole or in part, all affected rights will expire without value, and all subscription payments received by the subscription
agent will be returned promptly without interest.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Holders of rights will have no rights as shareholders
with respect to the shares of common stock or preferred stock for which the rights may be exercised until they have exercised their rights
by payment in full of the exercise price and in the manner provided in the prospectus supplement, and such shares of common stock or preferred
stock, as applicable, have been issued to such persons. Holders of rights will have no right to revoke their subscriptions or receive
their monies back after they have completed and delivered the materials required to exercise their rights and have paid the exercise price
to the subscription agent. All exercises of rights are final and cannot be revoked by the holder of rights.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We will not be required to issue any person or
group of persons shares of our common stock or preferred stock pursuant to the rights offering if, in our sole opinion, such person would
be required to give prior notice to or obtain prior approval from, any state or federal governmental authority to own or control such
shares if, at the time the rights offering is scheduled to expire, such person has not obtained such clearance or approval in form and
substance reasonably satisfactory to us.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We may enter into one or more separate agreements
with one or more standby underwriters or other persons to purchase, for their own account or on our behalf, any shares of our common stock
or preferred stock not subscribed for in the rights offering. The terms of any such agreements will be described in the applicable prospectus
supplement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_017"></A>ANTI-TAKEOVER EFFECTS OF CERTAIN ARTICLES OF
INCORPORATION PROVISIONS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Our amended and restated articles of incorporation,
as amended, which we refer to herein as our articles, contain certain provisions that make it more difficult to acquire control of us
by means of a tender offer, open market purchase, a proxy fight or otherwise. These provisions are designed to encourage persons seeking
to acquire control of us to negotiate with our directors. We believe that, as a general rule, the interests of our shareholders would
be best served if any change in control results from negotiations with our directors.</P>

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

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

<!-- Field: Page; Sequence: 55; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->28<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In addition, our bylaws provide that special meetings
of shareholders generally may be called only by our chief executive officer, president, chairman of the board, or a majority of our board
of directors. The bylaws also provide that, to the extent required by applicable law, we must hold a special meeting if holders of at
least ten percent of all votes entitled to be cast on an issue proposed to be considered at such meeting deliver a proper written demand
to our secretary. These provisions may make it more difficult for shareholders (or a potential acquiror) to convene a special meeting
to consider actions related to a change in control.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The authorization of the preferred stock could
have the effect of making it more difficult or time-consuming for a third party to acquire a majority of our outstanding voting stock
or otherwise effect a change of control. Shares of the preferred stock may also be sold to third parties that indicate that they would
support the board of directors in opposing a hostile takeover bid. The availability of the preferred stock could have the effect of delaying
a change of control and of increasing the consideration ultimately paid to our shareholders. The board of directors may authorize the
issuance of preferred stock for capital-raising activities, acquisitions, joint ventures or other corporate purposes that have the effect
of making an acquisition of us more difficult or costly, as could also be the case if the board of directors were to issue additional
common stock for such purposes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The South Carolina business combinations statute
provides that a 10% or greater shareholder of a resident domestic corporation generally may not engage in a &ldquo;business combination&rdquo;
(as defined in the statute) with such corporation for a period of two years following the date on which the shareholder became a 10% shareholder,
unless the business combination or the acquisition of shares is approved by a majority of the disinterested members of the corporation&rsquo;s
board of directors before the shareholder became a 10% shareholder. The statute further restricts business combinations after the two-year
period unless certain approvals are obtained or certain statutory price and procedural conditions are satisfied. We have not elected to
opt out of the application of this statute, and accordingly it applies to us.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">South Carolina law also contains &ldquo;control
share acquisition&rdquo; provisions that, subject to certain exceptions, can restrict voting rights for shares acquired above specified
ownership thresholds unless voting rights are approved by the corporation&rsquo;s shareholders. Our articles include a provision electing
not to be governed by the South Carolina control share acquisition statute, and accordingly those provisions do not apply to us.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">None of our shares, whether common or preferred,
have any preemptive rights, redemption privileges, sinking fund privileges or conversion rights.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_018"></A>VALIDITY OF SECURITIES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Unless otherwise indicated in the applicable prospectus
supplement, certain legal matters with respect to the securities will be passed upon for us by our counsel, Nelson Mullins Riley &amp;
Scarborough, LLP. Any underwriters will be represented by their own legal counsel.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_019"></A>EXPERTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The consolidated financial statements incorporated
in this prospectus by reference from our Annual Report on Form 10-K for the year ended December 31, 2024, and the effectiveness of our
internal control over financial reporting have been audited by Elliott Davis, LLC, an independent registered public accounting firm, as
stated in their report. Such report is incorporated herein by reference in reliance upon such report given on the authority of such firm
as experts in accounting and auditing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><A NAME="P_020"></A>WHERE YOU CAN FIND MORE INFORMATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">We are subject to the informational requirements
of the Exchange Act, and file with the SEC proxy statements, Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current
Reports on Form 8-K. Our SEC filings are available to the public from the SEC&rsquo;s web site at <I>www.sec.gov</I> or on our website
at <I>www.southernfirst.com</I> under the &ldquo;Investor Relations&rdquo; tab. Information contained on, or accessible through, our
website is not part of this prospectus and is not incorporated by reference herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This prospectus is part of a registration statement
on Form S-3 that we filed with the SEC under the Securities Act. The registration statement contains additional information about us and
the securities offered hereby. For further information, you should refer to the registration statement and its exhibits filed with the
SEC. Statements in this prospectus about the contents of any contract, agreement or other document referred to herein are not necessarily
complete. In each case, we refer you to the copy of the applicable document filed as an exhibit to the registration statement or incorporated
by reference in this prospectus.</P>

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




<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in"></P>

<!-- Field: Page; Sequence: 56; Value: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->29<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt"><A HREF="#TableOfContents">Table of Contents</A></P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in">Shares</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">Common Stock</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif"><IMG SRC="sfst4621781-424b51x1x1.jpg" ALT="" STYLE="height: 102.75pt; width: 220.5pt"></FONT></P>

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

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 0pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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








<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Prospectus
Supplement</B></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(To the Prospectus dated February 6, 2026)</B></P>



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

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

<!-- Field: Rule-Page --><DIV STYLE="margin: 0pt auto; width: 25%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="sfst4621781-424b51x2x1.jpg" ALT=""></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><IMG SRC="sfst4621781-424b51x2x2.jpg" ALT="">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">April &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2026</P>

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

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

<!-- Field: Page; Sequence: 57; Options: Last -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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


</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>sfst4621781-424b51x1x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfst4621781-424b51x1x1.jpg
M_]C_X  02D9)1@ ! @$!+ $L  #_X0]J17AI9@  34T *@    @ " $2  ,
M   !  $   $:  4    !    ;@$;  4    !    =@$H  ,    !  (   $Q
M  (    <    ?@$R  (    4    F@$[  (    &    KH=I  0    !
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M$1$,# P,# P1# P,# P,# P,# P,# P,# P,# P,# P,# P,#/_  !$( $L
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M[/ZKZ'V+Z(WSZ_JS^G_Y5^V_X#]WT/T/]-_/10VOJ]8S_P ;FT[A^CQ\T/\
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MQ\7[L?WG_]G_[13N4&AO=&]S:&]P(#,N,  X0DE-! 0      !$< @   @
M' )0  5(14%,2P X0DE-!"4      !#QX^A4YMA^9+/#FU[[>:,X.$))30/M
M       0 2P    !  (!+     $  CA"24T$)@      #@             _
M@   .$))300-       $    >#A"24T$&0      !    !XX0DE- _,
M  D           $ .$))32<0       *  $          CA"24T#]0
M2  O9F8  0!L9F8 !@       0 O9F8  0"AF9H !@       0 R     0!:
M    !@       0 U     0 M    !@       3A"24T#^       <   ____
M_________________________P/H     /__________________________
M__\#Z     #_____________________________ ^@     ____________
M_________________P/H   X0DE-! @      !     !   "0    D
M.$))300>       $     #A"24T$&@     $+P    8              (\
M  $R    ?0!0 '( ;P!J &4 8P!T "  4 !! $P 00!$ $D 3@ @ "T ( !0
M '( 90!L &D ;0!I &X 80!R 'D ( !0 '( ;P!S '  90!C '0 =0!S "
M4P!U '  < !L &4 ;0!E &X =  @ &8 ;P!R "  4P!H &4 ; !F "  5 !A
M &L 90!D &\ =P!N "  ;P!F "  0P!O &T ;0!O &X ( !3 '0 ;P!C &L
M( !! '  <@!I &P (  R #  ,@ V "  +0 @ #0 .0 Q #< +0 X #8 ,  Y
M "T -@ U #( -0 @ #$ ,P @ "@ ,  P #( *0 M #$    !
M              $              3(   "/                      $
M                        $     $       !N=6QL     @    9B;W5N
M9'-/8FIC     0       %)C=#$    $     %1O<"!L;VYG          !,
M969T;&]N9P          0G1O;6QO;F<   "/     %)G:'1L;VYG   !,@
M  9S;&EC97-6;$QS     4]B:F,    !       %<VQI8V4    2    !W-L
M:6-E241L;VYG          =G<F]U<$E$;&]N9P         &;W)I9VEN96YU
M;0    Q%4VQI8V5/<FEG:6X    -875T;T=E;F5R871E9     !4>7!E96YU
M;0    I%4VQI8V54>7!E     $EM9R     &8F]U;F1S3V)J8P    $
M  !28W0Q    !     !4;W @;&]N9P          3&5F=&QO;F<
M $)T;VUL;VYG    CP    !29VAT;&]N9P   3(    #=7)L5$585     $
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M0DE-!!0       0    ".$))300,      Y      0   *    !+   !X
MC*    XD !@  ?_8_^  $$I&248  0(  $@ 2   _^T #$%D;V)E7T--  '_
M[@ .061O8F4 9(     !_]L A  ," @("0@,"0D,$0L*"Q$5#PP,#Q48$Q,5
M$Q,8$0P,# P,#!$,# P,# P,# P,# P,# P,# P,# P,# P,# P, 0T+"PT.
M#1 .#A 4#@X.%!0.#@X.%!$,# P,#!$1# P,# P,$0P,# P,# P,# P,# P,
M# P,# P,# P,# P,# S_P  1" !+ * # 2(  A$! Q$!_]T !  *_\0!/P
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MC[+'%]E!]*QQ[N:![OZON^G_ (3Z:7P_)$RD. "9WF/WQ\^+U?N_U/0KF8D
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MZZM?XQ?0_:./O^T;O;_.^M]FCW?T+T?T?VS_ $__ %I+JKHV_P#&3_2^A?\
MAAW_ %>,N@^LG\S1_7/_ %)7&?6[[-ZW2)^W_P S5'VWU]T>W^9V_P#>K_W,
M_P )ZGV9=)D^E]BPX^UQZ3(^W>IOC;_AMWN^V?Z?<JGQ&_NLZZU9_=]6[/RO
M\]%VST^O[?5F,(K]-I::VM #I!&XN_M*DS_Q1V?U/^^5JYT[;Z;]OK_2_P"U
M.[=Q^9ZGYBR*?3_:8C[1R.=_K?F_SO\ P7[W_!*OEE$^T81 /WB)R1O_ "W#
M\G^%#_ 9( ^OB-_JCPFOT+W;=?\ XI+?ZG_?:T?JU.%=Z-%UAJM>Z*"&DZF&
MN:Z!MV^YJS/T?[1?_2/[._U_S>?^#_\ 1:N]>V3C[ML[CMC?ZG+/YKT_;_VY
M_A/330?Z/S)E&->[.1$SZ?G]>/T_IQ_0_KI(_68:)O@B!P_-\OIE_=6P[<_#
MZ@S!R'^M78"6$ZD0'.#@3[_S/H/4NB_TWJ'_ !G_ '^Y#P=G[5_.W[#_ $K=
MZT1_@O\  [?^FJQ]/]J7SZD;C/V7?,[O\)'N_P",V?X5-Q\8^[R E*\F3VL6
M0R]P8I8]N.<?T/G3+A/N#0>F/'./R\?%^[']Y__9.$))300A      !5
M 0$    / $$ 9 !O &( 90 @ %  : !O '0 ;P!S &@ ;P!P    $P!! &0
M;P!B &4 ( !0 &@ ;P!T &\ <P!H &\ <  @ $, 4P T     0 X0DE-! 8
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M4D="               !  #VU@ !     -,M2% @(
M                                            $6-P<G0   %0
M,V1E<V,   &$    ;'=T<'0   'P    %&)K<'0   ($    %')865H   (8
M    %&=865H   (L    %&)865H   )     %&1M;F0   )4    <&1M9&0
M  +$    B'9U960   -,    AG9I97<   /4    )&QU;6D   /X    %&UE
M87,   0,    )'1E8V@   0P    #')44D,   0\   (#&=44D,   0\   (
M#&)44D,   0\   (#'1E>'0     0V]P>7)I9VAT("AC*2 Q.3DX($AE=VQE
M='0M4&%C:V%R9"!#;VUP86YY  !D97-C         !)S4D="($E%0S8Q.38V
M+3(N,0              $G-21T(@245#-C$Y-C8M,BXQ
M                                                  !865H@
M    \U$  0    $6S%A96B                      6%E:(        &^B
M   X]0   Y!865H@        8ID  +>%   8VEA96B         DH   #X0
M +;/9&5S8P         6245#(&AT=' Z+R]W=W<N:65C+F-H
M   6245#(&AT=' Z+R]W=W<N:65C+F-H
M                                 &1E<V,         +DE%0R V,3DV
M-BTR+C$@1&5F875L="!21T(@8V]L;W5R('-P86-E("T@<U)'0@
M    +DE%0R V,3DV-BTR+C$@1&5F875L="!21T(@8V]L;W5R('-P86-E("T@
M<U)'0@                            !D97-C         "Q2969E<F5N
M8V4@5FEE=VEN9R!#;VYD:71I;VX@:6X@245#-C$Y-C8M,BXQ
M   L4F5F97)E;F-E(%9I97=I;F<@0V]N9&ET:6]N(&EN($E%0S8Q.38V+3(N
M,0                                  =FEE=P      $Z3^ !1?+@ 0
MSQ0  ^W,  03"P #7)X    !6%E:(       3 E6 %    !7'^=M96%S
M      $                        "CP    )S:6<@     $-25"!C=7)V
M        !      %  H #P 4 !D '@ C "@ +0 R #< .P!  $4 2@!/ %0
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MBO@9^*CY./G'^E?ZY_MW_ ?\F/TI_;K^2_[<_VW____N  Y!9&]B90!D0
M  '_VP"$  $! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$" @(" @(" @(" @,# P,# P,# P,! 0$! 0$! 0$! 0(" 0(" P,#
M P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M __  !$( (\!,@,!$0 "$0$#$0'_W0 $ "?_Q &B    !@(# 0
M   '" 8%! D#"@(!  L!   & P$! 0            8%! ,' @@!"0 *"Q
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MV[_8\J;#OG,]_($L]OM9;B1CP BB8D>O?54  .<]+=NV^3=MPVW:8LR7-PB
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MO;_9[GA4VF^VRXVK?VPNBXD(E:A[4:52@.*T-*\ :](:M^2VU>^^O,YUCO\
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M;F?]T[G?6VU;C;RR"2/:FN;?PDA!55\.SD;2+1B@ E"0DZJ$Q%S#MR[1[?\
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M3 ;3J2+1L%^[KP(>0C@@CD+9K7D+8Q[H\U;2D^ZK-);;18:/%>2[0ZFOIH6
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MTW_U5[CT??8]CF(5;O<BWH+85_ZO="[_ %@/<A>YH+"G_/2/\W77^ST]'_\
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M?<&S,E5H ]2U/3UU TFN35 I"!$]N0:KD=*([@$4;'5Q2_'_ /EZ_-57[_\
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MN#_WX>\O;%T:W,W^FZ51?V:?9UF_G&_]NS/EU_XCW&?^]QM/WJV_W)BZ]/\
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M_P"<;_V[,^77_B/<9_O.^-J>ZV[*+B,UP.O3_P!DWV=:[O\ PFB_[*][Z_\
M%;G_ /?G[)]F&X$:(%\QQZ2V7PGJV'_A1W_V0!MO_P 62ZQ_]YOL/VFL2%N4
M)X=*9O[-OLZ G_A-U15&2^(ORAQM+XQ49'NNJH(6E)6)9:OJG;%/$TC*&98Q
M*XU$ FWT!]VOR!-%\C_AZ3VN8I0.)KUK5?!^FQ.TOG[\:,3OVDH9L5@ODWL_
M;&ZJ#*T25>/DDBWD=MU=)7T%? 5EI6R+A'2:,!1RZBQ ,9W5[670:]O^;IM
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MU-N;-]BT.RMOX_![OH8J")J@52Z)05GD,B,$\(@5PRFN<#I]PQCTD_GU4_\
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MJ+&A9[U%14\L=3E01[Q'^\/SG[O\M,FU^VGM[#N_+UU9S"]GD9@(-2LK&NL
M!4[LT \\=3![;;/R3NCM<\U<P26-U%<QF)(UU-(0P(!XG)H,"OIT2WJ6/?\
MM3?NW,[L/$X7<>Z,<]6<3AX\[M[,/7F;'55-4*,?B\^M=4>.DE=_VR"NG5]
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,G]E_#\/#_AGQ=?_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>sfst4621781-424b51x2x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfst4621781-424b51x2x1.jpg
M_]C_X  02D9)1@ ! @$!+ $L  #_X0JL17AI9@  34T *@    @ " $2  ,
M   !  $   $:  4    !    ;@$;  4    !    =@$H  ,    !  (   $Q
M  (    <    ?@$R  (    4    F@$[  (    &    KH=I  0    !
MM    .  +<;    G$  MQL   "<0061O8F4@4&AO=&]S:&]P($-3-"!7:6YD
M;W=S #(P,C8Z,#0Z,34@,#,Z,SDZ,S< 2$5!3$L   .@ 0 #     0 !  "@
M @ $     0   0.@ P $     0   "<         !@$#  ,    !  8   $:
M  4    !   !+@$;  4    !   !-@$H  ,    !  (   (!  0    !   !
M/@("  0    !   )9@        !(     0   $@    !_]C_X  02D9)1@ !
M @  2 !(  #_[0 ,061O8F5?0TT  ?_N  Y!9&]B90!D@     '_VP"$  P(
M" @)" P)"0P1"PH+$14/# P/%1@3$Q43$Q@1# P,# P,$0P,# P,# P,# P,
M# P,# P,# P,# P,# P,# P!#0L+#0X-$ X.$!0.#@X4% X.#@X4$0P,# P,
M$1$,# P,# P1# P,# P,# P,# P,# P,# P,# P,# P,# P,#/_  !$( !@
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M>OF=))3_ /_9_^T0,%!H;W1O<VAO<" S+C  .$))300$       1' (   (
M !P"4  %2$5!3$L .$))300E       0\>/H5.;8?F2SPYM>^WFC.#A"24T#
M[0      $ $L     0 " 2P    !  (X0DE-!"8       X
M/X   #A"24T$#0      !    '@X0DE-!!D       0    >.$))30/S
M   )           ! #A"24TG$       "@ !          (X0DE- _4
M $@ +V9F  $ ;&9F  8       $ +V9F  $ H9F:  8       $ ,@    $
M6@    8       $ -0    $ +0    8       $X0DE- _@      '   /__
M__________________________\#Z     #_________________________
M____ ^@     _____________________________P/H     /__________
M__________________\#Z   .$))300(       0     0   D    )
M #A"24T$'@      !      X0DE-!!H     !"\    &               G
M   ! P   'T 4 !R &\ :@!E &, =  @ %  00!, $$ 1 !) $X (  M "
M4 !R &4 ; !I &T :0!N &$ <@!Y "  4 !R &\ <P!P &4 8P!T '4 <P @
M %, =0!P '  ; !E &T 90!N '0 ( !F &\ <@ @ %, : !E &P 9@ @ %0
M80!K &4 9 !O '< ;@ @ &\ 9@ @ $, ;P!M &T ;P!N "  4P!T &\ 8P!K
M "  00!P '( :0!L "  ,@ P #( -@ @ "T (  T #D ,0 W "T .  V #
M.0 M #8 -0 R #4 (  Q #, (  H #  ,  R "D +0 R     0
M               !              $#    )P                     !
M                         !     !        ;G5L;     (    &8F]U
M;F1S3V)J8P    $       !28W0Q    !     !4;W @;&]N9P
M3&5F=&QO;F<          $)T;VUL;VYG    )P    !29VAT;&]N9P   0,
M   &<VQI8V5S5FQ,<P    %/8FIC     0      !7-L:6-E    $@    =S
M;&EC94E$;&]N9P         '9W)O=7!)1&QO;F<         !F]R:6=I;F5N
M=6T    ,15-L:6-E3W)I9VEN    #6%U=&]'96YE<F%T960     5'EP965N
M=6T    *15-L:6-E5'EP90    !);6<@    !F)O=6YD<T]B:F,    !
M    4F-T,0    0     5&]P(&QO;F<          $QE9G1L;VYG
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M;&5F=$]U='-E=&QO;F<         #&)O='1O;4]U='-E=&QO;F<
M"W)I9VAT3W5T<V5T;&]N9P      .$))300H       ,     C_P
M.$))3004       $     CA"24T$#      )@@    $   "@    &    >
M "T    )9@ 8  '_V/_@ !!*1DE&  $"  !( $@  /_M  Q!9&]B95]#30 !
M_^X #D%D;V)E &2      ?_; (0 # @(" D(# D)#!$+"@L1%0\,# \5&!,3
M%1,3&!$,# P,# P1# P,# P,# P,# P,# P,# P,# P,# P,# P,# $-"PL-
M#@T0#@X0% X.#A04#@X.#A01# P,# P1$0P,# P,#!$,# P,# P,# P,# P,
M# P,# P,# P,# P,# P,_\  $0@ & "@ P$B  (1 0,1 ?_=  0 "O_$ 3\
M  $% 0$! 0$!          ,  0($!08'" D*"P$  04! 0$! 0$
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MCL?*P+FY&+D5QN:X>U]9W?2INK]EU?YZ^9TDE/\ _]DX0DE-!"$      %4
M   ! 0    \ 00!D &\ 8@!E "  4 !H &\ = !O ', : !O '     3 $$
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M<U)'0@               0  ]M8  0    #3+4A0("
M                                             !%C<')T   !4
M #-D97-C   !A    &QW='!T   !\    !1B:W!T   "!    !1R6%E:   "
M&    !1G6%E:   "+    !1B6%E:   "0    !1D;6YD   "5    '!D;61D
M   "Q    (AV=65D   #3    (9V:65W   #U    "1L=6UI   #^    !1M
M96%S   $#    "1T96-H   $,     QR5%)#   $/   " QG5%)#   $/
M" QB5%)#   $/   " QT97AT     $-O<'ER:6=H=" H8RD@,3DY."!(97=L
M971T+5!A8VMA<F0@0V]M<&%N>0  9&5S8P         2<U)'0B!)14,V,3DV
M-BTR+C$              !)S4D="($E%0S8Q.38V+3(N,0
M                                                    6%E:(
M     /-1  $    !%LQ865H@                     %A96B        !O
MH@  ./4   .06%E:(        &*9  "WA0  &-I865H@        )*    ^$
M  "VSV1E<V,         %DE%0R!H='1P.B\O=W=W+FEE8RYC:
M    %DE%0R!H='1P.B\O=W=W+FEE8RYC:
M                                  !D97-C         "Y)14,@-C$Y
M-C8M,BXQ($1E9F%U;'0@4D="(&-O;&]U<B!S<&%C92 M('-21T(
M     "Y)14,@-C$Y-C8M,BXQ($1E9F%U;'0@4D="(&-O;&]U<B!S<&%C92 M
M('-21T(                             9&5S8P         L4F5F97)E
M;F-E(%9I97=I;F<@0V]N9&ET:6]N(&EN($E%0S8Q.38V+3(N,0
M    +%)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)14,V,3DV-BTR
M+C$                                  '9I97<      !.D_@ 47RX
M$,\4  /MS  $$PL  UR>     5A96B       $P)5@!0    5Q_G;65A<P
M       !                         H\    "<VEG(     !#4E0@8W5R
M=@        0     !0 *  \ %  9 !X (P H "T ,@ W #L 0 !% $H 3P!4
M %D 7@!C &@ ;0!R '< ? "! (8 BP"0 )4 F@"? *0 J0"N +( MP"\ ,$
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M])5?E<F6-):?EPJ7=9?@F$R8N)DDF9"9_)IHFM6;0INOG!R<B9SWG62=TIY
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M]XKX&?BH^3CYQ_I7^N?[=_P'_)C]*?VZ_DO^W/]M____[@ .061O8F4 9$
M   !_]L A  ! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! @(" @(" @(" @(# P,# P,# P,# 0$! 0$! 0$! 0$" @$" @,#
M P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#
M P/_P  1"  G 0,# 1$  A$! Q$!_]T !  A_\0!H@    8" P$
M    !P@&!00) PH" 0 + 0  !@,! 0$            &!00#!P(( 0D "@L0
M  (! P0! P," P,# @8)=0$" P01!1(&(0<3(@ (,11!,B,5"5%"%F$D,Q=2
M<8$88I$E0Z&Q\"8T<@H9P=$U)^%3-H+QDJ)$5'-%1C='8RA55E<:LL+2XO)D
M@W23A&6CL\/3XRDX9O-U*CDZ2$E*6%E:9VAI:G9W>'EZA8:'B(F*E)66EYB9
MFJ2EIJ>HJ:JTM;:WN+FZQ,7&Q\C)RM35UM?8V=KDY>;GZ.GJ]/7V]_CY^A$
M @$# @0$ P4$! 0&!@5M 0(#$00A$@4Q!@ B$T%1!S)A%'$(0H$CD152H6(6
M,PFQ),'10W+P%^&"-"624QAC1/&BLB8U&50V160G"G.#DT9TPM+B\E5E=58W
MA(6CL\/3X_,I&I2DM,34Y/25I;7%U>7U*$=79CAVAI:FML;6YO9G=X>7I[?'
MU^?W2%AH>(B8J+C(V.CX.4E9:7F)F:FYR=GI^2HZ2EIJ>HJ:JKK*VNKZ_]H
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M X_.[8;-UDC-/D,QB8*B6CDJ9#Y)XH8F<L^IV]U[HP/\X+_LBG<__A^]<_\
MO11>Y,]I/^5SM?\ FA-_QP]07]XO_IV5]_SUVW_5P=&6^#'_ &1_\=/_ !%>
MV/\ W$]ASG?_ )6[F'_GJ?\ P]#;VL_Z=UR;_P \$7^#JHC^<]N??_<7R/\
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MMQX??VX:['3U>PL/6[F:AR$.1JIZRC>OBQQCBK*2>">EE*R#4 R-[KW56_\
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M^Q,)73TZ9^NVWL+;LD57E=S9&"E6VBEU5#11B6:.)01[KW5L7\]#J_;72?\
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MO^K@Z,M\&/\ LC_XZ?\ B*]L?^XGL.<[_P#*W<P_\]3_ .'H;>UG_3NN3?\
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MVZ,%C#31FNGR..;'4^8H(T)8U- 8T4M-;W[KW1/O^'HN\O[G?WF_T,;L^_\
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';W[KW7__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>sfst4621781-424b51x2x2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfst4621781-424b51x2x2.jpg
M_]C_X  02D9)1@ ! @$!+ $L  #_X0N<17AI9@  34T *@    @ " $2  ,
M   !  $   $:  4    !    ;@$;  4    !    =@$H  ,    !  (   $Q
M  (    <    ?@$R  (    4    F@$[  (    &    KH=I  0    !
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M$1$,# P,# P1# P,# P,# P,# P,# P,# P,# P,# P,# P,#/_  !$( !\
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M?F2SPYM>^WFC.#A"24T#[0      $ $L     0 " 2P    !  (X0DE-!"8
M      X             /X   #A"24T$#0      !    '@X0DE-!!D
M  0    >.$))30/S       )           ! #A"24TG$       "@ !
M      (X0DE- _4      $@ +V9F  $ ;&9F  8       $ +V9F  $ H9F:
M  8       $ ,@    $ 6@    8       $ -0    $ +0    8       $X
M0DE- _@      '   /____________________________\#Z     #_____
M________________________ ^@     ____________________________
M_P/H     /____________________________\#Z   .$))300(       0
M     0   D    )      #A"24T$'@      !      X0DE-!!H      T$
M   &               P    ]0    8 :0!M &$ 9P!E #(    !
M                  $              /4    P
M  $                         $     $       !N=6QL     @    9B
M;W5N9'-/8FIC     0       %)C=#$    $     %1O<"!L;VYG
M  !,969T;&]N9P          0G1O;6QO;F<    P     %)G:'1L;VYG
M]0    9S;&EC97-6;$QS     4]B:F,    !       %<VQI8V4    2
M!W-L:6-E241L;VYG          =G<F]U<$E$;&]N9P         &;W)I9VEN
M96YU;0    Q%4VQI8V5/<FEG:6X    -875T;T=E;F5R871E9     !4>7!E
M96YU;0    I%4VQI8V54>7!E     $EM9R     &8F]U;F1S3V)J8P    $
M      !28W0Q    !     !4;W @;&]N9P          3&5F=&QO;F<
M     $)T;VUL;VYG    ,     !29VAT;&]N9P   /4    #=7)L5$585
M  $       !N=6QL5$585     $       !-<V=E5$585     $       9A
M;'1486=415A4     0      #F-E;&Q497AT27-(5$U,8F]O; $    (8V5L
M;%1E>'1415A4     0      "6AO<GI!;&EG;F5N=6T    /15-L:6-E2&]R
M>D%L:6=N    !V1E9F%U;'0    )=F5R=$%L:6=N96YU;0    ]%4VQI8V56
M97)T06QI9VX    '9&5F875L=     MB9T-O;&]R5'EP965N=6T    115-L
M:6-E0D=#;VQO<E1Y<&4     3F]N90    ET;W!/=71S971L;VYG
M  IL969T3W5T<V5T;&]N9P         ,8F]T=&]M3W5T<V5T;&]N9P
M   +<FEG:'1/=71S971L;VYG       X0DE-!"@       P    "/_
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M/P   04! 0$! 0$          P ! @0%!@<("0H+ 0 !!0$! 0$! 0
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M &\ <P!H &\ <    !, 00!D &\ 8@!E "  4 !H &\ = !O ', : !O '
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M0B!865H@!\X  @ )  8 ,0  86-S<$U31E0     245#('-21T(
M      $  /;6  $     TRU(4" @
M                               18W!R=    5     S9&5S8P   80
M  !L=W1P=    ?     48FMP=    @0    4<EA96@   A@    49UA96@
M BP    48EA96@   D     49&UN9    E0   !P9&UD9    L0   "(=G5E
M9    TP   "&=FEE=P   ]0    D;'5M:0   _@    4;65A<P  ! P    D
M=&5C:   !#     ,<E120P  !#P   @,9U120P  !#P   @,8E120P  !#P
M  @,=&5X=     !#;W!Y<FEG:'0@*&,I(#$Y.3@@2&5W;&5T="U086-K87)D
M($-O;7!A;GD  &1E<V,         $G-21T(@245#-C$Y-C8M,BXQ
M       2<U)'0B!)14,V,3DV-BTR+C$
M                                     %A96B        #S40 !
M 1;,6%E:(                     !865H@        ;Z(  #CU   #D%A9
M6B        !BF0  MX4  !C:6%E:(        "2@   /A   ML]D97-C
M     !9)14,@:'1T<#HO+W=W=RYI96,N8V@              !9)14,@:'1T
M<#HO+W=W=RYI96,N8V@
M                    9&5S8P         N245#(#8Q.38V+3(N,2!$969A
M=6QT(%)'0B!C;VQO=7(@<W!A8V4@+2!S4D="               N245#(#8Q
M.38V+3(N,2!$969A=6QT(%)'0B!C;VQO=7(@<W!A8V4@+2!S4D="
M                     &1E<V,         +%)E9F5R96YC92!6:65W:6YG
M($-O;F1I=&EO;B!I;B!)14,V,3DV-BTR+C$              "Q2969E<F5N
M8V4@5FEE=VEN9R!#;VYD:71I;VX@:6X@245#-C$Y-C8M,BXQ
M                      !V:65W       3I/X %%\N !#/%  #[<P !!,+
M  -<G@    %865H@      !,"58 4    %<?YVUE87,          0
M                  */     G-I9R      0U)4(&-U<G8        $
M  4 "@ / !0 &0 > ", *  M #( -P [ $  10!* $\ 5 !9 %X 8P!H &T
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MR-CH^#E)66EYB9FIN<G9Z?DJ.DI::GJ*FJJZRMKJ^O_:  P# 0 "$0,1 #\
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MX/J6HW:/2O'H YEB>"4@"1?#.+LJ%;B-N 1<7]GI=9E=_P!5X?!DS(@"GM_
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M<.'07YKLKJ)VBO=FCLYH;SPV*_$["E=1H*@ U^T]?0)^!G_,LMI_^*\?%/\
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MS_H/_O-_HNZ/_P!*/^F'^[IRO^D3-?Z"!T5_%/OE[_\ [V?:?QS^!GK^]?\
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MC4/42QTL=X*&BAN#4Y')53)3TT0]4U1*B#EA[]U[H#?C7WMN_M[J3<^]M\[
MBV=OC9V\^Q-H;BZ_P>2DSM11Y#9E;,U'C(:R>&G-1F*W%R4_E0 1K4RLJ$H
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>WA'\-_NK_"OX-_"-'ZO!_#_1>^J_JOJY]^Z]U__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>5
<FILENAME>sfst4621781-424b51x3x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfst4621781-424b51x3x1.jpg
M_]C_X  02D9)1@ ! @$!+ $L  #_X12Z17AI9@  34T *@    @ " $2  ,
M   !  $   $:  4    !    ;@$;  4    !    =@$H  ,    !  (   $Q
M  (    <    ?@$R  (    4    F@$[  (    &    KH=I  0    !
MM    .  +<;    G$  MQL   "<0061O8F4@4&AO=&]S:&]P($-3-"!7:6YD
M;W=S #(P,C8Z,#0Z,34@,#,Z-# Z,3$ 2$5!3$L   .@ 0 #     0 !  "@
M @ $     0   GV@ P $     0   B<         !@$#  ,    !  8   $:
M  4    !   !+@$;  4    !   !-@$H  ,    !  (   (!  0    !   !
M/@("  0    !   3=         !(     0   $@    !_]C_X  02D9)1@ !
M @  2 !(  #_[0 ,061O8F5?0TT  ?_N  Y!9&]B90!D@     '_VP"$  P(
M" @)" P)"0P1"PH+$14/# P/%1@3$Q43$Q@1# P,# P,$0P,# P,# P,# P,
M# P,# P,# P,# P,# P,# P!#0L+#0X-$ X.$!0.#@X4% X.#@X4$0P,# P,
M$1$,# P,# P1# P,# P,# P,# P,# P,# P,# P,# P,# P,#/_  !$( (H
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MO.E?XT\#.SZ,._!MQOM-C*:[0]MC0^QPKK]3^;<UF]WTO>H\L#M&/I'5DPY
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MB']9+,._KV9=TYI.):\/K<&N#72UOJVU[QN]&RX6>FJ_[8ZML+!FW!CN6AY
M[?FM]OYJ<]9ZN3)S;B>_N\$VCQ<7A2[B'#P^-M);?2NAX^;T'J74['7BS"_F
M_3K+J]!ZC_4='N]GT]G\S_.6^C_.K$X&BZWI'4,OI_2LOHF'?@97VUSVX]QO
MV/:;V?9[3Z.UV_<VO]'O>STOI_I/YM*9-:=U8P"3>U/))(E]+:+75-L9<UD
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M7NWJE9]>/JK68/4&._XMK[/_ #TQZXS_ !AX'V7ZPC*:(9GTM>3XV5?H+?\
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M;JF!?@90)IR&[71H0?I,L8?])6\-LK_EJTDDI\/S<2W!S,C"N(=;BV.J>X"
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M222E))))*4DDDDI22222G__9_^T:/E!H;W1O<VAO<" S+C  .$))300$
M   1' (   (  !P"4  %2$5!3$L .$))300E       0\>/H5.;8?F2SPYM>
M^WFC.#A"24T#[0      $ $L     0 " 2P    !  (X0DE-!"8       X
M            /X   #A"24T$#0      !    '@X0DE-!!D       0    >
M.$))30/S       )           ! #A"24TG$       "@ !          (X
M0DE- _4      $@ +V9F  $ ;&9F  8       $ +V9F  $ H9F:  8
M  $ ,@    $ 6@    8       $ -0    $ +0    8       $X0DE- _@
M     '   /____________________________\#Z     #_____________
M________________ ^@     _____________________________P/H
M /____________________________\#Z   .$))300(       0     0
M D    )      #A"24T$'@      !      X0DE-!!H     !"\    &
M          (G   "?0   'T 4 !R &\ :@!E &, =  @ %  00!, $$ 1 !)
M $X (  M "  4 !R &4 ; !I &T :0!N &$ <@!Y "  4 !R &\ <P!P &4
M8P!T '4 <P @ %, =0!P '  ; !E &T 90!N '0 ( !F &\ <@ @ %, : !E
M &P 9@ @ %0 80!K &4 9 !O '< ;@ @ &\ 9@ @ $, ;P!M &T ;P!N "
M4P!T &\ 8P!K "  00!P '( :0!L "  ,@ P #( -@ @ "T (  T #D ,0 W
M "T .  V #  .0 M #8 -0 R #4 (  Q #, (  H #  ,  R "D +0 S
M 0                         !              )]   ")P
M           !                         !     !        ;G5L;
M  (    &8F]U;F1S3V)J8P    $       !28W0Q    !     !4;W @;&]N
M9P          3&5F=&QO;F<          $)T;VUL;VYG   ")P    !29VAT
M;&]N9P   GT    &<VQI8V5S5FQ,<P    %/8FIC     0      !7-L:6-E
M    $@    =S;&EC94E$;&]N9P         '9W)O=7!)1&QO;F<
M!F]R:6=I;F5N=6T    ,15-L:6-E3W)I9VEN    #6%U=&]'96YE<F%T960
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M;F<         "W)I9VAT3W5T<V5T;&]N9P      .$))300H       ,
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MK;F^TO\ W6^K16S^VO/3;4.7M'S"]SS/Z+;_ #?T#_/?S?'^%_X/]]<YA?\
MM"^E_@/]?I(A!?+O7I_TC?O"<6U'AX/P*]HH_P#0/_K:T&_1''RX10^$@SP"
M>^@)_@ILKML8Y]==EC&:.>QCG-!.ON>QKFM7NBR/JK_R)3_0_IV_\G?T?^=L
M_F_Y?^G_ .&]1)3X\'M<=C'-+R0T-)[D[1N_.7I%?^++HXJ:+<O*?;'O>UU;
M03WV5^D_8W^T]:77OZ7B_P#)7\]5_P H?SOTV_T7_NQ_W'_X78MY#5.CB?5W
MZJX?U?LR7XM]UPRA6'"[8=OI^I&TU5U?2]9;:22"5))))*4DDDDI22222E))
M))*?_]DX0DE-!"$      %4    ! 0    \ 00!D &\ 8@!E "  4 !H &\
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M0U]04D]&24Q%  $!   ,2$QI;F\"$   ;6YT<E)'0B!865H@!\X  @ )  8
M,0  86-S<$U31E0     245#('-21T(               $  /;6  $
MTRU(4" @
M           18W!R=    5     S9&5S8P   80   !L=W1P=    ?     4
M8FMP=    @0    4<EA96@   A@    49UA96@   BP    48EA96@   D
M   49&UN9    E0   !P9&UD9    L0   "(=G5E9    TP   "&=FEE=P
M ]0    D;'5M:0   _@    4;65A<P  ! P    D=&5C:   !#     ,<E12
M0P  !#P   @,9U120P  !#P   @,8E120P  !#P   @,=&5X=     !#;W!Y
M<FEG:'0@*&,I(#$Y.3@@2&5W;&5T="U086-K87)D($-O;7!A;GD  &1E<V,
M        $G-21T(@245#-C$Y-C8M,BXQ               2<U)'0B!)14,V
M,3DV-BTR+C$
M                 %A96B        #S40 !     1;,6%E:(
M          !865H@        ;Z(  #CU   #D%A96B        !BF0  MX4
M !C:6%E:(        "2@   /A   ML]D97-C         !9)14,@:'1T<#HO
M+W=W=RYI96,N8V@              !9)14,@:'1T<#HO+W=W=RYI96,N8V@
M
M9&5S8P         N245#(#8Q.38V+3(N,2!$969A=6QT(%)'0B!C;VQO=7(@
M<W!A8V4@+2!S4D="               N245#(#8Q.38V+3(N,2!$969A=6QT
M(%)'0B!C;VQO=7(@<W!A8V4@+2!S4D="
M &1E<V,         +%)E9F5R96YC92!6:65W:6YG($-O;F1I=&EO;B!I;B!)
M14,V,3DV-BTR+C$              "Q2969E<F5N8V4@5FEE=VEN9R!#;VYD
M:71I;VX@:6X@245#-C$Y-C8M,BXQ
M  !V:65W       3I/X %%\N !#/%  #[<P !!,+  -<G@    %865H@
M  !,"58 4    %<?YVUE87,          0                        */
M     G-I9R      0U)4(&-U<G8        $      4 "@ / !0 &0 > ",
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M P,# P,# P,# P,# P,# P,# P,#_\  $0@")P)] P$1  (1 0,1 ?_=  0
M4/_$ :(    & @,!              <(!@4$"0,* @$ "P$   8# 0$!
M        !@4$ P<"" $)  H+$  " 0,$ 0,# @,# P(&"74! @,$$042!B$'
M$R( "#$403(C%0E10A9A)#,74G&!&&*1)4.AL? F-'(*&<'1-2?A4S:"\9*B
M1%1S148W1V,H5597&K+"TN+R9(-TDX1EH[/#T^,I.&;S=2HY.DA)2EA96F=H
M:6IV=WAY>H6&AXB)BI25EI>8F9JDI::GJ*FJM+6VM[BYNL3%QL?(R<K4U=;7
MV-G:Y.7FY^CIZO3U]O?X^?H1  (! P($! ,%! 0$!@8%;0$" Q$$(1(%,08
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M7O?NO=>]^Z]7KWOW7NO>]5'KU[KWO?7NO>_=>ZZO]??C6AQUZH]>F3-;BP&
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MIML?+_=&/QTC$04V9ZTQV3K(HR;JDE9#N&FBD('Y\"7]F*^Z=R?[1:'Y&O\
MS\.B[_6G2M!II]G_ $+TL^O?^$FO1N*R,4W9OR=[,W;C0%,F/VEMS"[1J7D1
MP[,N0JY=PPHK*+!3"#SP?;4WNMN"*?IU-3\S_D;I79^T]IXA-R5TT\O]E.K^
M_AK_ "X?B9\$<"<7\?NKZ+#9BOIOM\[OS.,<[OS/@G4QRFXZY351PO(-1@IQ
M%!?Z(/8#WGF?=M[+-/(U#Y9I_A/4@[/RIM6SJ/!101YX_P W1X0DOJ-^"R<Z
M3HX5XC'X_P!6G2;W]A,6]UJ9]1UZ@?/Y_P"?H5>);:0N-%*>77__TM_CW[KW
M7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
MZ]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]UZX'NI95XFG7NL;2QH5#.JEOT@D"]OZ>]
MJ0X8J:@<>FWFBC9$>0!FX ^?4>:1-2D,I 63R#5>Z!?TZ;_VG %[>]J-?PYZ
M=8%5+L"$'GUJ7?\ "E3^9+AMA]5)\&.KL^).Q>QUH<EV[5X6I73MG9$,HJ(]
MLU,L#DQUVYID"RJUF2!"?S[DKV^V2:ZO6OI;9C!&10TQ4_YAU#'NAS+#;6]O
M86ETIE<,6 /"G '[>M%9T56 5]2Z5TD6!*VX+@<+*3^H?CWD-< :(UCS3K'.
M#]1V:8T)]?7KHF_MV732/21\/3?AK&SA2"I/77MKK?7O?NO=>]^Z]U[W[KW7
MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7?U]ZJ,]-
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MY]&YYCJ@)/ET$NX/G1\>.RI.S.MLQNOM[K+:.5Q7QUQVW>[MOXG[_?\ N0=
M8:HQE;!N*AH:J#*4T>_9*I:@RB3]B:%0U_:N'E^8.#K&CNKCU^'R\L](9N8E
M(^+_ %>?3QN#^:=L:KWMLC?.'P.\:#&XWYD[G[QW?L&"84U!FMAU^TMJ;6PS
M5KI,,?E]PJ,//5RHZZ1.ZDW//M%!RS(%8/365I6GGG/V=:LN8Q$&(?%3BO16
M?DU\A.F\W\?J/HCJ[L#LSN*IRG?>;[WR^]^SL3)A:K:WW^(K\13[/PD575Y"
M:L-=356O(3JRQ2RP1E5-_8B@V?P]("\*5_U?X.B7=]W%TU6;MH?/SZK9]B#H
M-]>][Z]U[W[KW7O?AQ'7AQ'73_H)L387L&T$_3^W8Z?]?\>Z7K%;>0CTZM"
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M_(;4HGQTZT@IIZB0L8V&D@W#G]5KN2[AE,!6/6:Y&!D5X_GT(5YQM/HIXGD
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MM3:V(WQL+.UFXES^V\Y ]3CZQ*+;M=6QR2P1E5/CF13I)N?8(YJO;BTL+B6
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M),_C@8 6OY5Z%G+O)>][U,D]O;(8C_$VGK=3^$W_  G,^%OQII<%N/M_"O\
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MO?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW71^GOQ .#PZ\<=8I) @N6"C@7)
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M.IJ<A ]JF2&>K*7!MP&Y]D<GN7M-05EQ3R!_S]'4?M=NM*%&K7_5Y="Q2_\
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MLN3Z?WCV,L9W)6[2EAG2*K6JEACDC2J#)#-$''NTO+T 9E6,4H!^0Z:7>V!
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MR2TR31@$%G9K@7]C[E3;KW:-LCM-P93. !534?X!T >:=SL=WW&:YL@PA))
M8<#^T_X>B$_[[_>?8@0:2]>!Z#<AULI' =>][ZUUR17=@L;:&/T)MIX%R&)X
M",."?P#[V%9B%0@-^SK:R)$?$D!TCTX]7.?R7?Y966_F%?(E:G=&/J*7X^=/
M9&AS?9N5CU1C/5L;&:BV%!7$,"^5GB!D5>12AFXNMX]YQYL@VF":V;4UT00
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M?4,^0J9-/]/2JI>W^O[#5U]^'?8J^'R9&3_S1E_ZW="6'[N6T-QW8@_)T_Z
MZ:(OGYOR.9R=F[7>G+L5B#UR2 '^LBSVOQ_3V7+]^GF,M0\DQ?\ .&7_ *W=
M&"?=LV0QEFW9M7^F3_K7T_4_\PC.QZ?NNM\5/SZA!EYX"5_VEI89^?\ 8>SV
MT^^YO$U/%Y/0#Y0R?];NB/<?N[6,2,;/<U,E,:F6GYT3H5-H_/;K_*!8MU;<
MRVU99'8"2G_W*T2*"+.]3$L#W/Y CX_Q]R#L'WPN3;U8QONS2P;N6(($2A0O
MX3WS:N'^QT";WV&YIA@9[26)X0#70S$8]*1TKT:S8W<'7/8=.T^T]ST&3900
M]+K,%8I!LUZ.H$520#^0MC^/>1_*7N?R[S:B-9;A H(K0NH/[-1ZBJ_Y3WC9
MF<W5G/&0:5964?M*CH1XY/)JTJ41K!75%)N.>5NZGG^H%O<ALUO,H>&=&D/F
M"#T3,\B,4E0DCSITP;AV=MW>6'K]O;MP6&W'@,C!+2U^"SF-HLKBZVGE!21*
MBEJX)$?R*QN"#:_NME<[C:S:EE(H<$$])+G;]NOUT7$"LIXU _R]4H?*?_A/
M5_+T^2*5N0V]L.K^/V\)VEG3/=03P8/'O6.MDDR&V)X:C!5D1=07'A1FN>03
M?V.-O]P]RL*6LLGB*M.)(_F#T!=T]L-JO9I)[<! PP !3_!_GZU]_D'_ ,)6
MOE)LO[W(_'_N'8'<% GEG7#[DIZO8FYGB2_BIJ=U&3Q-7.5L"7EA0G^@]R3M
M'NG8%4%XA1Z9Q4?MU=1SN_M/>"0FV;6H./\ BM/5.O:_\I;^8STQ--'O/XF=
MJ/2P&2^0VGATWKCPD=_WFJ-J3958HV'-W"_7V+(>;MFO-,R7,=6\JK7]E>@9
M=<@[C;:U>%M:FAP?^@>B3;BZJ[2VA45%+NKK7?>WJFEE:&HAS.T\UCVAE3]2
M/]U1QA6'^/LWBYBVX@4E3]H_S]!V?ES=("=$3_L/^;I*#$9D@'^"YGG_ *M5
M<W^\K 5/^P]W/,&VU/ZR_M'^?IM=@W9@#X;?L;_-TK]L]4=I[TK8<;M#K7?V
MY\A4@&GH\%M#/9.>;5^G0M)02CU7_)'NO]8=L_WZO[1_GZM_5[=O]]-^P_YN
MCT=1?RA/YD7=L]+'M#XH]DXZCG9$DRV]Z&#8U!2HUB)IFW-48ZHDBTF^J*-[
MCZ>R:[Y[V:V\0&1.TGT\O]MT<67M_O5WH;PF[A7@?/\ VO5J?7__  E@^;6Y
M**"JWYVGTML62:EAE%%'5[CW-5T<DD:NU/4)34=%2F6G8Z6*2,MQP2/86NO=
M#;D;]-217^'_ *&'0TLO:K<9%U2"A'J?^A>E3N/_ (2F?+G&4:3[3[_Z9W#D
M=1$T5;1;IP$6CZ>B40Y7U6^O ]I(O=*U9J,A ^S_ *&Z>G]J-P52R&I^1_Z%
MZ(%W/_PG]_F==0_Q"LI^DJ3M/#4 >23,=8;CQN;\R!B!X,/D'Q>?GD(YLE*W
M)]B*V]RMI>B,X#T\Z#_">@Y/[9;TE76-]-?G_P! ]5+=B]4=G]09N;;7:G7^
M[>NL_!+X)<3O+!U^WZL3W($87(PP(S,1P0;'V+H+JSN KI<J:@'B///03EVN
MZMF*O;,*&GPGRQZ=(&WX/U+:!H99 TG^H!C+@M[-(X-8[)\?;T7O,T+%6@_:
M/^*ZZ]L<.F^O>_=;Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW
M7NO>_=>Z][]U[KL6_)"_7DWM>W XORQX'^/OW6NG/"8?*;AS.(V]A**;)9W<
M&0H\/B,13HTM7D<ED:A*2CQ\2)>TU7/*J+S<7O[0;E>"PL;B[)H$'^$@=*K2
MS:]NX+114LP'7U3?Y57PMP7P8^'G674E+CZ6+>F5Q=-O3M3+1Q"*HS&_=P4L
M51DS.^D/+'B85BHH UM,, X!)]XQ<U;JV[;A/<%JH#0?9C/YFO67W)FS?NO9
M((V6C$</]0ZLB3BW^-_]XM[#,:D+GH5Q_ 3\^LONW5^O>_=>Z][]U[KWOW7N
MO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO_UM_CW[KW7O?NO=>]^Z]U[W[K
MW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW71-@2?Q[\!4TZV!4@=8R4D4A@
M2IM<'C\C^A][*TZ\RZ>/5#'_  H[W3EMN_RM^U:*@IYJB/=>]]@;:R9CN!38
MJKS$F0>2=1Z7A67'1@W/ZB/8JY)'_(JV;YR'_CC= /W$N%')V^+0AC&O\G7K
MYM'IU$!B)6U>H@ZJC60TKR7],; H +7X'O)O2X. >L.G;6IJ#Y?RZQ$$'G@<
MW)(_X@GVI$@TT*'5]G2D3HL105\NO77_ %:_[<_\4]UU?T3TWXR_PGKUU_U2
M_P"W/_%/=E.HTH>O>,O\)Z[X_P!4#_K!C_O0^GMS0?4=>$RGR/71X4M=!_@T
MB(3_ *P9@3[LD6MM)D5?M-!TZFJ3X5-.NM2C3<CU$ '^R";V!?\ 3<V_K[LT
M"K_HZ?MZN8WH2%K3K,(B59R=*IR[,KJ@7_5:RN@_7\&_ML+%4@W""GJ>J4D(
MJL3,?0<>E5LO8&^>R,Q1X#K[9VY][Y?(2B&BH=J8+)YZHJ)F8*L:IC::H*,S
MD#U6Y/LJOMVL+ 5EN%/V$?Y^C"SVN_O2HBM7%?4'_9ZNV^)'_">/^8#\C*JD
MR>^-JTGQPV5,@EES/9KRQ;BGA\T2/'0[/H6DR9G,4AD3[H0PL%(U:K#V"-W]
MPMIMX_\ %Y'\0'Y?Y#_AZ'NQ>W.\W\TBR:$CT5SJ'_/O6S1\2O\ A-3\(.BG
MQ^=[D;._)+>=+HDFDW8RXG9:5*NDA,6U*!G2JC!!4K4S2H5/Z0?<7;G[A[E>
M.R6TI0'YG_/_ )^I8V3VWV^PTF\C5R/0"G\UZOIZZZEZTZ=PE-M;JWK_ &9U
M]MVE0QTV&V=MW'8&BC50 H\6/@A75QR2#?V#KO<-RNV#7]]J'X=3'_+C]G4C
M6>T;79#_ !2U6,GY ?S Z$.-4CN631J_"BP/-S=5N"23]?;!@UBK/7I<=,0H
MBX^77O/#'J/K7@$G@7!^GUM_O/ME7MX&;Q*1@\"U #3T^SIB2623'A/CT'2$
MW=VQUYL6CFK-S[KQ./$"EWIC6P2UQ"D A*.)WGD8$C@*?8*YF]S>3>4D+[OO
MMJA'EXB _L9AT;V'+N[[GH^EL9F5N!TDC^0/15MX?/+JR@22GVECLSNJL1R@
M=J<XJA#!=08U%3:H* ?73&?>/?._WP.2]B%K'L*M?.X;48O#D"4I2NF44K4T
M]:'J6N7/8?F?>;47S7%M"M1VR%PX_+PR.BJ;M^<G:&>,XVW2XK:T$P'C,<?\
M0K(XSJ749JE#"6:WYC/O'+F7[X_-&X:UV2W\('^,.O\ QV;J2]L]AK&#2-TN
MRQQ7PV!_95.B[;B[D[5W0)!FM^[EJH9C^Y21Y6LHJ5@?J!3T<T-.H_P"6]P=
MO?O7[D\R3)+N.\LBH"%$<DHP37-7/\NI8L/;3D2&%4EVK5(M,Z(\X\^WCT'<
MLS3R&2HFEJ"UKK,L<I)_):659)7/^-Q[ M]OF\;H2;[=;AB?Z9/^'H1VO+G+
MVWT%C9!%]-*C_ .N)E)&D<*!95 TJ!_2RLOU]DX:>$%8F$JGB9:L1\A\NC04
MC&F*) OV=8Q8?T_Y!##_ *&=O>BJR?VUG ?]KU[QKL?!H'[>O:N?S[T$:,:;
M69X(_-8SI!/J0//Y])IK87CB2[=M8%!IX4_/KNX_Q][\.0_'?W)_V_5DV^R6
MGZDO[1UU<?@GWOP1_P IUQ_O76WL[<GMEETT]1UWJ']3_L?>M,X^#<+D?[?J
MIVZQ;XI)?VCKBQ'X56)^NK6/]L5< ?[;VH%S.EOX82.2XJ3XD@+/]FKT'EZ=
M7B\>U_Q>U(^CX]U=53QX8IU)HZZMQU3%6XZKJL?64[I)3U-+4SPU,#H0;P3P
M21/&"?J&U@_T]F>S<T<U[1*'M]YFA4?[ZD=?\HZ+=UY>V3>HO#W"R5Z\:JI'
M\P>CN=2_-O>6U5I\5V!"^Z\2K)$,DCB+-P1:OU,414K%A4VN;-8?4^\J?;#[
MTQY96RVGF9=RN_#8UD'>2&-0-3RBM/LZ@/FSV0BN[N[NMBN(H@U"J.: 8SVJ
MG#TZL?Z[[YZS[-IC)M?<=--4H%$M!5L*&MB<\%##4LC2,#_J;W]Y[<H>\W)_
M.T,9VRX:"5UX3%%()]0KMUCAS!R9O>Q2SBYV^31&3W*K:3]A('0LPU:2C4!'
M];$LMGO^+W_J/I_4>Y2M;:.:VBF9TD9@3K7*G/$'SZ!ZS7Q(TV[+%Y5!KUF=
M_23Q:3@$#@+:QYLRDW]ZEA\($K)I ]33I8K]OZK*#U'1(E14M$P4$6*H 5-[
M@@!@3_MO?HFO BLE&7R(KTS+;V\S$BU+ ^= 0?L/3)4;4VQ72O)6X# 5NMBQ
M:KQ.-G8$V_,E&S,?\2Q]J1?;BF!XE/EJ_P _21MEV^0G78BI]47_ #=8/[@[
M#_YXW:9_Q_N]A_\ ZD]NKN-\?^)##[6;_/TV=EVU<?N]3_M%_P W4VFVKM:@
M8/0[=P5$ZBRO28G'TSJ/P$>"!&4>_&\NVXW-?M9NJ':=N'_+./Y(O^;IZ6RK
MH50H"E02?Q]%'UO8#^A'LL-U<-(X,$I%3D#!^8^72Z.*!%55BH *4IG[.LVM
M BW:S*H74%U<V^H%RUO;ZJTE=2..E 9@*",_LZX+,C JP=0."S@QZOQ>W'!]
MMQ-K=E%M*I!XD=;61F-/":OV==1Q>-5(8O9F8$&Q(8\ A BD*/I<'V_++X(_
MLG;[!U8K&*EDST!G;OQPZ-^0VW*O:O=W4VQ.R<%4H\<E'NO;F.RLJ.;A:BDJ
M9H!/15(!_P Y$RN+<'W?;.8-WM9.R_$:5X:B/LQ7HCGV38]T1T?;Z/G)50*_
ML/6N'\P_^$M_Q_[(DS.[/B=V#ENCMQU:RU$.Q]PK+N78%36CU1I'5@#<>)B8
M\7,M6J_A;>Y*V_W+O;!56[CDE7U2I/["U.HXWOVLCN26M&C''!^?V+UJD?+?
M^57\X/A;/55/<7369GV=#,\=/V)LS_?U;-JHU9@LLN0Q@FEQ;.JW$=6D,EOQ
M[E>PYTV?<0O@E]1 XT'\JUZAJ_Y)WJPUF6,$ ^6H_P"3JN] KEAY(DTCZNX7
MU_\ '.0'F&0?T?3[%4$L5PNJ.0<.@I/#/;LBR0.*M3AP^9^770&ID12I>0DH
M PTE!_;,E_&J\?DW]V[L:HV'VCK=Q&+<FLJM3T/7B+?D>W0@(KXBC\^DJ2>)
M\*-^SKC?W2G3^@]>O[]U[01GKOW[JO7O?NO=>]^Z]U[W[KW7O?NO=<E&HA>!
M?\GZ>WK>%KB:.!6 9C2IX=4=PBER,#KB1P;-IL#ZN"%M]&Y-K#V@EN5BO#9%
M&,@-*CA^WI4+=OIENM:A#Y>?5VW\@7XHU/R6_F(=99.OPPR.P.C(G[9WG),O
MEHER6,BFCVK253LKC[JISLE/40Q_I>.%^;J1[!7N#ND%IL5]9LQ$\@4+2G'4
M#]O =#CVZV6;=.8-OG6GT\;%FK7@%.!BG'KZ9"0,D@8%0H O;@L; 7L  + 6
M_P!;WC<Y+ BO67$>F.!8@,CK.JD6^G%_]Y]Z&%IU1!I72>/7/W[K?7O?NO=>
M]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7__7W^/?NO=>]^Z]
MU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO==$7!'^'O8P1UL8
M(/6/1=67Z<$"_P#4@V_VQ][)ZVQKT1C^8O\ #4_/'XG=A?&K^^$6Q*C>4N"J
MJ#=<N..53$5N%RD%<L[4 D@:H\D*/& '6Q>_LTV3<QM&Z6>XL"1$Q-!]A'R]
M>@[O^S?OK:KW;:T$J@?L(/S].M:K'_\ "2&B*I_%OF77ZA^O[#K.F93Q^//N
M",_7^ON2C[J1^4#5_+_H+J+1[0I_OQ?Y_P#0'2A;_A))LLA+?,C<RD?J(ZOQ
MA)X-[?[^?VU_KJ'/^+?S'^?KW^L_'_OU?Y_] ==?] D6R_\ O,K='_HK\5_]
MD_OW^NHW_*-_/_9Z]_K/Q?[^7^?_ $!U[_H$BV7_ -YE[I_]%?BO_LG]^/NJ
M_P"&WS]O^SU[_6?B_P!^K_/_ * Z\?\ A)'LRS:?F7N?45(&KJW%$ G\\;H!
M!]U_UUI_.$4_U?TNM?ZS\?\ OU?Y_P#0'2LQ/_"3'IV"*F&:^6O9-?+$?WA1
M;-PU%#(#]0BR9>HT'^AYM[3W'N=>7 ,<4('H:FO\CT_'[21Q_P#$C]E?^@>A
MOVA_PE6^#&'?S[O[3[ZW4Y.IXJ3<> V_!(UQPRPX"NF$9YNHD%[_ %]ETO/V
M[/31@_:?\_1E:^U-H*^++^P?YUZ/+U3_ "#OY7?5DE!44_QVQ^]LKCG6>'*]
M@9W-;FFEF0BSU5!)64^(J5)^H:G(/LKO.<=[N$T"ZTFOD6K_ (>A!8>W&S6,
MAEDB#U%,@?X"O5G76?Q_Z3Z:HACNINI.NNN:(V$D&SMGX+;RR@6.J0XV@@>1
MB0#RQY_/L/7&Y[G=G]>Z9OM)_P _0FM]AVBTIX-G&*?T5_S="Q*#'I8(6YTV
MC 4<WY:W-O9/<7%Q:A',#SZFH0HU4\ZYX#RZ,=$48_1B4'[/+\NN)E6%=;%4
M0K=@2!H/Y9F.FWN\[V:V^NY<0 CB2%(Z4QH[TJM.@JWOW9UGU] TVYMU8^DF
MN0M!%.E9D92JZB(J*F:2=B1_A[C7>_<'D7DPM<[US7 Z2DJJ-,I((R:!B #3
MTZ/[+E;>MXT+9V$KKQJBFGIF@X=$XWY\^L+ 7INO]KR94Z749#..^.B0D#1)
M_#TU54RD_A_&+?0^\;^??O=[)M*3IRT1/(/ARK?\=D'4L\O>R.\7LD)O'"P'
MX@-0:E/*J'->/1/][?*#N3>_EAJ-T2X:@>ZC&8!101Z6X*Q.GDJK #_5-_L/
M>)/-GWE/<'W'FMX8MS_=4-H6((:2'Q==!2J2-JTTKFE*]37L?LKL6PNCWT0E
M67'> U*?Z9.@JQNUMW[WILED\5%79^:@0U&1B;(?>9N.!'_<F$4Q>LF4\GTJ
M+ <_CW&(7F/G#=HH]XWV>ZB+#5IE=B03Q[B<=#S=K'DOE6PB"PQ12L#I[5 J
M/*H  /H.AWW!T?68_H'9^^8\=-+F<AN&H5Q#$[ULM!E)DIJ6.6,7E>1I8M(%
MAIOS[R!Y@]D++;^7-CO]FM)O%E5O%U@&O#332H^?'J(]E]RX9-\W+;Q(!;*J
ME<XJ"0?.GF.B_P"YMI9W9\])1[@HX\?734B3+0B:.6K@I]3"(UD498TSL">&
ML?>-V^<OW&T7+131D-7S'^QU,VR[I:[M$9(9 R@\1P_;FO28-C8CD'Z$?0_Z
MWLIQ1:='D@0$:*==>_=4Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[
MKWOW7NN>JZZ2JDB^B0'1)$3R=#"^JY_K[5:H1;+11XX)SY\?V])19L]RUPS?
MI$#'V=9J6HJJ&5:NDK*BGK8W5XJF)VBE1EMI;R1E#J!']/;^W<T<V;3+KVR^
ME0#AI9Q_@8=:W"UY<N(O#O[.*1?,,J'_  @]&-V3\KNX=F"GIWSPW+C8-(%#
MN"'[IPB\Z8JV,Q3H;_0MKL/<Y<H_>1]P>7X;6UOM\1K>/\+O*7&:T-9*?9U$
M','M-RSOEQ+>V$1A5N"QZ544%."IT;3:'S^P%5&*??&T,EBY> *O"5,62IPO
MY:5*@TTJ?ZP4^\HN6?OG\J+;Q0[_ &DDLGF4\/\ Y^DZAS=/N_[_ #RL+253
M#FGQUI]H3H<L+\R/C_E$BC&YJC'2:1K7)8FLIXXVN;@SF$PL+_D$CW,&W?>2
M]I=SM8+P\SI;-**^$\T:M'_1*AB ?.E>@'=^U_/&UR26<>S7$BQF@8(Y#?,&
M@Z$2#Y"=+5$,<T79&ST250ZB;)P12 '\/&Q#*W'T(O[$,'OW[2N/^5VM?SN$
M_P _1/+R)S^.&P7 ^V-^NY_D#TQ31>>;LG:!0"Y\.5@D-O\ !$+-[6R>^OM@
MB>(G,MJZ4J")4-?GQZO%R)S\P6O+]P3\HGZ0.7^8W06)?Q/NN>KE-Q&*#%UU
M0D_]&BF6'PLC?@ZK'V%=Q^\?[:0G]/>821Z21_\ 071O:^V_/$[JC<OW*@^9
MC8#_  = CNSY_;6H?+!M#:N4S<^MEADR4\6/I=-[*6,/FF4'_%;^XCWC[\'*
MELUU8;5R9O#3Q.R"9DA,,FDTUH1-4HW$&@QY=#;;_8[F*X,3SF--0!(HP(/I
M\)ST7K,_.3MVNF9\71;<PD9=F$<5++5O&I-PAEE=?*4'&JPU?6P]PKOGWO\
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M\W7<;6?4H%PK6)]+ _[2X]2DV_'LPOK?8MS6UDW)9HDMB6'A,(RU:"C8[N&
M>'5)#>3#3,X:GPTKCHWOQOQ6TJO<N%W!MG=\F"WKB75Z[;>X134]%N*@=M&1
MIH*]&9[^,<:Q;FYX]Y.^QNT<I;M+%-8EX-S1U"07#*TDWG^F ,C'F1QZQ_\
M=2YW6-)+6[LV>Q931Q4Z#Y$UX5KBF<=6&C=V#DBHMJTOV$^3QN4R=9'AV6G_
M ,G6&&>;'>6Q\5/3TM?4([3'T:8R/K[SMO-XV>YV.#:;W;ECW6 $>!I19$^;
MCTT]W'AGK'N;;KRUF-ZLM()%&ILY!XT/[/SZJQ[FQFT,3F\LL^\,CO;?]=52
MU.=RU!' -OXZID8R/B8*LL#71TS2,H*"R6M^??.?WN_=-INLC6][')"QJ)%I
MHJ?P5H#JJ:?;UE-[6S[C>6>A;!HK.-0%+5U.*#N &*?SZ+^>#8<"PL/][_VY
M]P#"93&K31-'(>*MQ7Y'_#U+=M.TK3*T3*5-,^?V==>W>E?7O?NO=>]^Z]U[
MW[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]UR! ]V4H*$@UZ8D6=B0D@"?GUWJ]
M^:67_0M(Z;2R@;_<@%OL_P!GKK5_A_OO]O[8?;=FN4$UV+DWY^(JX"?*BD5
MI3\^GA#%%VP"B#@#UX,?H"4 O<QG2[7_ -4WN]I'#8L3!"K"OXP&/6]=VO\
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M$_(?,]1Q/:7<$O@R6S#(%?(5-*GIH"W )(7_ 'FX/T*:;ZU/Y/%OS[W;EK@
M^&5^WI/<Q?3EAK#4]/\ 9ZZ(M^0?=Y-,9 +C5TF1S("PC.D==>TLMQX1H8FZ
M4Q0^**JXZ[ O?VJB7Q5U# ^?2:5_"?002?EUU[\PTDCCT_$GB<6"_;UZQ/ (
M4V)#$!@"!>Y!^MO?EA\<>&V ?7IV@MZ3"52R^0X]7;?R,?Y=M;\YOEEB<WN[
M%2R]$](5>+WAV//*C+C]P9-6>?!;2\JJRO49.JC666(_2F1M5M0]@+W!YHAL
M-M?;;9&\8X!J*</EGJ0/;SE27==SAW&=E\%6K0@DT_F*]?2ZQ^-CQR4U-2K%
M!1TL$=/!30C1'%%31+3TR(BJ$"+3HJV  &D>\;%9RKF0@L3QZRMT+&D<<2T0
M"G3Q[UU[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z__]'?TUFWZ3?_  L0/^0OI[]U[KQD _!_P-Q9O]8W]^Z]UT)5
M;](+#^JV8#_7(/OW7NO/(B?6]OZ\6_VY(]UT#KU1Z]=M(BKK8V4_0V)_Z%!]
M^$8)QUHL *UZXB6X!TGU?@<V']3]+#VX5IU3Q!TUY?<6#P$*U.;R^+Q$#&RS
M9/(46.B8_P"$E;/3H?\ 8'W[2>O>(/7H/LKW[T=@P3F>XNKL80"62MW[M:%U
M ^MT;*ZA;_6][",W 'KQD4<6'0.;K^??PPV3QN3Y*=343<^F'=5%D&-OZ#'-
M57/O?A/_  GK7BI_$.@#W=_.-_ET;0@663Y([5W#(7*&DVG2Y3.5<;#\2Q14
MD03_ &_OWA/_  ]>\5/XAT7_ #?_  H(_EV8M'%!NCLO<%2CE!!B^N,II-K^
MKSU-1#$%/]>?>_!?TZ]XJ?Q= =N/_A23\2L=#))M[JKN+<=F9(B]-A\('8&P
M+?>U,C(I_P!8^]^"W7O%3UZ ?<W_  IEV5' W]R_C'NNIJ^=,NX]X8V&E(+"
MVK^'Q/,O']![LL!)IU1I@%-"*] -N;_A3%W15T]13[5^-?7&+DD %/79?=>X
M,A+3$.K%C214L=/.64$6) %[_CV\+9?-CTP;AO0=%SW#_P *(OGMDI'. HNF
M]M0-^F+^Y,N9>,7^BRU>2@N;?DK[V+=!U[ZAN@=SW\]+^8UGEF7_ $K[?PAF
M5@&V_LK$T!AO]#"935E"/]C[]].E>O?4/T!F8_FN_P PW.0O3U?RE[&IXIM8
MG&.GQ5"'63]2J(<8"G^N&N/=O!7K7CMT7W/?+GY0[D,QS'R%[FK?N-7G_P",
MB;FH_+KY>Z4%?3Q"Y/T"V]^\%>O>.W01Y;L+?N8B?^,;YWIF38W_ (MNC.9%
MYF)N%=JFO8L2_//O8C523U5I684/7T/OY36PZ/8'\O[XST-(%$N>V!2;QRD@
MUZY\INB63)U;RM(7D=Q)):Y/M)-ECTJAPH^WJQ*KOIC(-B)D/Y_ -_I_A[17
M 7P)96X1J7_WD5ZK<ZS].$X^*O5+'RL[KSN\=[9C9E!75-#M3;==5XYZ"DJ'
M2'*5M/(T,\^0*6\J@@A4^ECS[Y6?>%]\]ZY[WB\Y&V.X:W$#%*J2*T-#\# _
MMZS6]K/;3;KC8H=UO4#W<BAOL'D "#0_,=%!) C2-=2K'PL=]:(.>$9O6H_V
MGZ>\0A:[GM]U-8[G<-),!JJ2QX_Z8D]3C9V<5C$+>(44=</:CI7U[W[KW7O?
MNO==JI<E+@#278_0V0CZ-]%^OY]V:QAOK2]26320HIFF:])Y;P6<ULS+52QK
M^SHS/QTZBI.Q<S7Y;.SU*X[;PB;&T2:H'W!E"X-/215$9622GCD0>9$-V#"_
M%_>2WW8>2MSO+I]RW21DYAAD!M(\CQ!0U[:D-BG$CJ*/>#FS;[>TMH8K9&D<
MT8D"BBGV<3Y=6+5NQL-D,2^.&"IY-X54$N/W!C4+!H,8(HC/$E=J29Z2*G(\
M$M[R,3_:O[SNON1[S>K2YW3Q=/.XI]1&*BB'M7L&!^G0UU'UZQBM>8M<KI=*
MOT844P*5_GQKP^757O>G65#UGO"#'X2KEK-LY>ECJL14RH6--,=9K,;43W):
MHHWTAE:S+J%_K[YL^^_)-SL.]B&69FY<6C(Y)S)@A=1X]^*4ZRF]HN:[6YLV
MC> +( 13'Y$?(^70)$@V(_U(/^]_\4]Q&U[];!;/,@7< OZHX4:N,#AVTZE=
MYXIY)'B4 5SUU[;ZUU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?
MNO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7,7-N5"VXD+6
MC:WZD5@#JD3\J!?W[8%N-]N+ZWC@)\%RO#T/17O5=J%O*TM/%SQ/GUS6-N6?
M3'&+MY9"R(8[>AU\BHS%W](6U[^[W=AN:7ILXX#QI2G^STLC2V%DM\TXR*^?
M7I$DC0,\,RAF103&P0,]KZI&"HH4GGGVDN8=J@Y?%Y+9W7BVUS(S4D &H8)
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M>N@IJVIBJV22.!*"FE:H?4IND9'U(/OW7NM9K<7_  IE[%FGE_NG\9-FPT)
M--'N3=67J:A#_61\<(8S?_ >U7TK?QCI+]4O\!Z+YNS_ (49_-+,S3G:NS.H
M-D02$F*.'"UVXFCN+#4V6G >WOWTI_C'7OJA_!T!&>_GP_S'LY91V=L[#QJ+
M!<'UU@<>UO\ %@9;G_'V[].G3/U#] IN/^;E_,/W-,9JKY,;VQMU*K%@EQ^+
MC2X-BJQ4IMI)X]V$*CAU[QW-:] /NOYR?,7?4HFW;\ENWLK(JF,-_>VOI/0P
MLUUH7I5U$?GW?0OITUJ/0)9?M;M/<$IDSO9F_P#,DDG5E-X;BKFY^OHJLE-
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MUL/4TIUW[;ZOU[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]UT;V.EF1_[#*>
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MO>P*D#KQ- 3UDAFD@EBGB*B6&6.2,OH*:T=675Y 8[$C\\>_.-'6D.KJ_/\
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MS2C&U\2,]!DXBRB.>EJB!'H('J5CJ4^^2?/?MAS?[>[[+'N5O))M4S$AV![
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M,5622?1XHHP1?D_0^W'VC=X5U> _[&_S=4\7;/\ ?J_M'2EV[M#+[FB,F.-
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M#;9/O\26J*+%74)2E2H/'&*_9U+W*@W2?ELVN\!?'56R 0?,@=V<#&<]6^8
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M3HJ_&5U)EMS92KIZK&9.>*IKL=4125!6HHJF>%&>-]2,R@D$@'W[JGBG^/\
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M[N .- M<R$4^$&H^WJH?=&;K]X[HR^:G:6HES>0EJ8WN&D\6GPTU#&@ 9Q!
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M% S_ .'IAF%>WH>^HN[<CL!9<#D8ILQM&MJDR55C('2.IHLA3GT3TODL4CE
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MO]KYIYXM_&M)ECGBC:B^&C=Z(-#*QT@@585]>L:_<SW<GL$O=IY?O2C@LKD
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M#8H3=;AN DCI7N8'_-U8+\<OB)4YXXW>W9]/)28A9%J,3MF5"M3D&0ZXZG)
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M!(_K:P_VYX]ZZWUU<7M<7O;_ &/^O]/?NO=>)"D@D74V(N+@_P"P]^Z]UW^
M?P1<?XCWL*3P'6B0.)ZZN/>]#>G7M2^O78(_K[HR/7X3U976GQ=6??R=NG<'
MW7_,#Z-V_N>AILE@-LU6<["J:*J19(*BLV=B9\EC(YH6!6HII:]45U((Y'ME
MZJK>O3J]Q%.OHA4R:(56]Q<V] 2RW]*!!PHC6R@?T'M"W'I9$**:C->I'NO3
ME!Z=>]^Z]0>G7O?NO4'IU[W[KU!Z=>]^Z]0>G7O?NM]>]^Z]U[W[KW7O?NO=
M>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
MKW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>
M]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[K
MW7O?NO=>]^Z]U__2W^/?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^
MZ]U[W[KW7%]6EM'ZK<?[X^_=>ZHR_G9_R^=R_+[IC;_9/5N(_B7<G3#9"IQ^
M#@'FJ-T[.R3B3-8.E5;/59""2):JF0G_ #BD#V["=,J'Y]-3"L3CY=:+.<P6
M6VME\CM[<F)K=O9O&5D]%DL+E:>:AR-#7P.8Y(ZFFJECF@Y4V# 7_'LT\4^H
MZ*_"'ITV%".6!46OJ?T*1_4,UE/^P/OWBGUZ]X0].NK#CE>1<'4MK?U)O8>_
M>*?7KWA#TZ\0!^1_K@@C_;BX]^\4^O7O"'IUPUQW(UI<6OZUL+_2YO87]^\4
M^O7O#'IUW=;D7O;ZD<CGZ<CCGW[Q3ZCKWA#TZYA&;]*2-]?TH[?3Z_13[]XI
M]1U[PAZ=3(<7DJA0]/C<C.I8*##0U4MV/T T1,3>WOWBGUZ]X0].GF'9&\Z@
MHM/L_=<YD_S?@V[F90__  4QT3 ^_>*?7KWA#TZ?:/J'MFO+C']5]E5YC%W%
M%L/=565 M=B(,4YTB_U^GMN24Z?SZ=BB!8T].E'2_'7Y 5B+)3=&]NRH[!58
M==;L4%C]!Z\4IO[8\0_/I_P3ZCI^A^)OR?J"JP_'SN!B_P"C5L'<,>J_]/)0
MKS[]XOV]>\'YCI787X(_,S<-8N/P_P 9NWZRL9/(L']T:VF)3_5!ZS[>,_[>
M_OWB_;U[P?F.EM3?RS_GY.?V_BAVX!<J3+A((A<'D FLO<>]^)]O7O!^8Z?8
M_P"5;_,&J@AC^*W:!+'@2T=#"%_ /[M;SS[UX@Z]X)]>E?@_Y/'\QK.S_;1_
M&C=&/4QLRSYVNPN.HXV_L!G>L9G)/X -K>W(YU4FK4^WIN2 D"@K]G0?=Y_R
MR/FY\=MIU6^.S>CMP8S:6*I34YG<.'>DSV(QR(5#25K8V66>DC!<>IDTG_8>
MW1<!OA8=,F K\2D=$+4'QLQTD&1;E[/3T\H74D\JJ=)"J>.0+GW266NFO3D,
M-=75KGQ1_DV_,OY:;-Q'9NW,#MW877^<*28C<G8&4GQ];E*1RX.5Q^W%C\]5
MCI=%XV&FXL1<$'VP90*5Z>\ ^HZ.=N;_ (3:?+?%4,=1MSM[IC=E<\9,N.*[
MCP4:/P-#35T$E.6(/!7@>]>.OSZWX!]1T57?'\C'^8SL=)IH^J,)O""G0E7V
M3O+#9BKJ1>_^3TACIYE)']ER&][\93P/7O (].B)]C?#GY4=35%3!V%\?^U=
MMO2J9*J6HV?EJR") 2/)+5XV&NI0O'UU#CV_%+@T/3$L5"*YZ+C/35%+*T%5
M35--.A*O!4P303(X)!22*5$='!'T(!]N^*?7IGPQZ=8K<D ,2/J K&W^O8<>
M_&6H(KGKPCR#Y=7L_P#">K8V=W#\\#NS'TW^X38G6>ZZS/UC(Y4'-1)A<=2"
M2VB.1I:II+$@L$_P]HIGJ#GI;#&:@GAUO61,&4D'4=5F/-KZ5/%_Q8CVCJ#D
M<.EE*8ZR>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>
M_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[
MKWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_
M=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[KWOW7NO>_=>Z][]U[K
MWOW7NO>_=>Z__]/?X]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[K
MW7O?NO=>]^Z]UBF77$ZZM-Q8->UC<6L?P;_0_P!?>QQZT>!ZKH^3&R_Y9.Z\
MK4T_ROK_ (E4>X(CXIY.S-^=;[.W)YG4@/DZC*9W"U\]6GU1I+L![<!?'&G3
M?;\NJ\:SX9?\)]ZNI:J/<_Q7IS/-Y1!1?+OKFGHXCJU".GIUWR8DCXMI'X][
M+25P#3[#U[M\Z=+[;GQQ_P"$_P#MV)H(=\?!S-EIC+YL[\D>L,I.K:;>,R2;
M^2QYO:Q]^K(?(]:[?ET)5!U+_(IIE7^&Y7^7\Y%M+?Z:^K*D6_/I&^6+&WT]
M^)?Y_LZW1?E_+H6]J[+_ )05"A3:E9\%WC#*6_A^_>I,E<\<>1MRU;6]^J_H
M:]:[?E3H6:'%?RXH01BY/AVR\6\&;ZDF'X_)KY%^GOP,GG7]G6SH^72UQ47P
M?B93A_\ 953)H(444_4T[Z.->GQ2%K6^I'OQU_TOY]>Q\OY=+.F_V5JR?8?[
M+]^"OVO^C<#_ %E\0/O7=GC_ #Z]V_+^72IICTKJC_APZHOQH%)_="]O]H:+
M\?ZWO7=YUI^?7NWY?RZ76'_NUK/\"_@(?QDR?P?^&E_'=;AC1VM'>WU_-O>F
MK\Z=66E?+I1?TM]/Z"W^^X]TZOUT0WX-C_K?\5N/]X]^Z]UA8O\ 1E_! 96'
MD(_.@"UC8\^_=>Q^?7,"4'@J0.!<L25_J>0-7OW7NO6:_/'^N>/]A?5S[]U[
MKG:WY)_US[V.JMY=(_?E-MFKVEN&FWE-A8-JU.$RE-N&;<,U%!A(L144<D57
M+E)LA)'104408,\DA"H!>X]V6OEQZICY=:<'3O\ + ^$.V_D)@=^=N?S)_A!
MO+JO';MJMQ5?66 [FZVH\UDTCKI)\3MBLK:S?;43XQW<)4Z8M1B# <VM:0DT
MP>K+3/#K<KV>,"NW,,-JIAH]LC%8], F FHZC#KB$IE7'C&38YFH)<<*0)X'
MB)1X[$<$>VL^?5^E-[]U[K!*"6])6Y2S:R0NF][W4@@_X^_=>ZA5ZT0IISD&
MIC1>(_=+D# :/QCZ^<U),00C_5<6]W6OSZHU*^71&>Z\!_+8SU#+3=\S_#Z&
MD^Y/G;>NY.K-MM]U_:^XJJG+XF<U%_K=]7N]7\M5.J]ORZJN[2^"O\A?L66L
MJL9\D/CCUIDYY6=9-C_+/JZCHX&))TPXBKWE/2J%)'!_''NP>0#"U_(]5*QD
M@DBOVCHXO\K;XJ_#3XQU'=,7Q5^2VR/D97;RJ]K56Y9MM]A]>[[R6T*+&+D8
M\50UIV1E\DU!25TM4[:IPAE,?%]/M+,7/$8Z?32.'#JX& 6C X-BUR#<$DW:
MQN>-1X]UCKISQKU9J5QPZR^W.J]>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO
M=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W
M[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=
M>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[KW7O?NO=>]^Z]U[W[
5KW7O?NO=>]^Z]U[W[KW7O?NO=?_9

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
