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Investor Presentaiton

Summary of Our Due Diligence Experienced in successfully executing and integrating M&A transactions ■ FBMS management has successfully executed multiple M&A transactions in their recent history SGB and FBMS use the same core software platform Jack Henry Silverlake Increases the probability of a smooth integration process for employees and customers Extensive credit review ☐ Reviewed loans in all product lines, with particular focus on commercial real estate Analyzed 100% of classified loans and 100% of loans with balances over $1.0 million In total, approximately 50% of loans by book balance of Southwest Georgia Bank were reviewed Comprehensive operational due diligence performed Detailed review of business plans, budgets, credit processes, among other aspects of the businesses In depth evaluation of personnel at both companies to build the most efficient team for the combined company ST TheFirst BANCSHARES, INC.
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