Common use of Review Board Proceedings Clause in Contracts

Review Board Proceedings. The arbitration of a dispute shall be conducted by a review board (a “Review Board”) which shall consist of either one (1) or three (3) members (each, a “Member”) with such expertise as the Claimant Party and Respondent Party agree is relevant. The Claimant Party shall specify, in its Notice of Dispute, the number of Members which it proposes for the Review Board. Module 1 – Whole Bank w/ Optional Shared Loss Agreements First Georgia Banking Company Version 3.1.1 – SINGLE FAMILY SHARED-LOSS AGREEMENT Franklin, Georgia April 27, 2011

Review Board Proceedings. The arbitration of a dispute shall be conducted by a review board (a “Review Board”) which shall consist of either one (1) or three (3) members Module 1 – Whole Bank w/ Optional Shared Loss Agreements SF-20 High Trust Bank Version 3.1.1 – SINGLE FAMILY SHARED-LOSS AGREEMENT Stockbridge, Georgia April 27, 2011 Table of Contents (each, a “Member”) with such expertise as the Claimant Party and Respondent Party agree is relevant. The Claimant Party shall specify, in its Notice of Dispute, the number of Members which it proposes for the Review Board. Module 1 – Whole Bank w/ Optional Shared Loss Agreements First Georgia Banking Company Version 3.1.1 – SINGLE FAMILY SHARED-LOSS AGREEMENT Franklin, Georgia April 27, 2011.

Review Board Proceedings. The arbitration of a dispute shall be conducted by a review board (a “Review Board”) which shall consist of either one (1) or three (3) members (each, a “Member”) with such expertise as the Claimant Party and Respondent Party agree is relevant. The Claimant Party shall specify, in its Notice of Dispute, the number of Members which it proposes for the Review Board. Module 1 – Fixed Price Whole Bank w/ Optional Shared Loss Agreements First Georgia Banking Company Southern National Bank Version 3.1.1 3.2 – SINGLE FAMILY SHARED-LOSS PURCHASE AND ASSUMPTION AGREEMENT FranklinStatesboro, Georgia April 27July 15, 2011

Review Board Proceedings. The arbitration of a dispute shall be conducted by a review board (a “Review Board”) which shall consist of either one (1) or three (3) members (each, a “Member”) with such expertise as the Claimant Party and Respondent Party agree is relevant. The Claimant Party shall specify, in its Notice of Dispute, the number of Members which it proposes for the Review Board. . Module 1 – Whole Bank w/ Optional Shared Loss Agreements First Georgia Banking Company Citizens Bank of Effingham Version 3.1.1 3.0 – SINGLE FAMILY SHAREDCommercial Shared-LOSS AGREEMENT FranklinLoss Agreement Springfield, Georgia April 27December 8, 20112010

Review Board Proceedings. The arbitration of a dispute shall be conducted by a review board (a “Review Board”) which shall consist of either one (1) or three (3) members (each, a “Member”) with such expertise as the Claimant Party and Respondent Party agree is relevant. The Claimant Party shall specify, in its Notice of Dispute, the number of Members which it proposes for the Review Board. . Module 1 – Whole Bank w/ Optional Shared Loss Agreements First Georgia Banking Company Citizens Bank of Effingham Version 3.1.1 – SINGLE FAMILY SHARED3.0 –Single family Shared-LOSS AGREEMENT FranklinLoss Agreement Springfield, Georgia April 27December 8, 20112010