0001193125-21-216358 Sample Contracts

EMPLOYMENT AGREEMENT For James W. Swift
Employment Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks • Alabama

This Employment Agreement (the “Agreement”) is made as of this 24th day of March, 2010 (the “Effective Date”), by and between Southern States Bank, an Alabama bank corporation (the “Employer”), and James W. Swift (the “Executive”).

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SOUTHERN STATES BANK CONFIDENTIALITY, NON-COMPETITION AGREEMENT AND NON- SOLICITATION AGREEMENT
Confidentiality, Non-Competition, and Non-Solicitation Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks • Alabama

This Confidentiality, Non-Competition, and Non-Solicitation Agreement (this “Agreement”) is made as 21st day of September, 2016, between Southern States Bank, a bank formed under the laws of the State of Alabama (the “B n “) and Stephen W. Whatley (“Executive”).

LOAN AGREEMENT
Loan Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks • Tennessee

THIS LOAN AGREEMENT (as amended, restated or supplemented or otherwise modified from time to time, hereinafter called the “Agreement”) made and entered into this 20th day of August, 2019 (“Effective Date”) by and between SOUTHERN STATES BANCSHARES, INC., an Alabama corporation, (hereinafter called “Borrower”) and FIRST TENNESSEE BANK NATIONAL ASSOCIATION, a national banking association having its principal office located in Memphis, Tennessee (“Lender”).

SOUTHERN STATES BANCSHARES, INC. REGISTRATION RIGHTS AGREEMENT
Registration Rights Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks • New York

This Registration Rights Agreement (this “Agreement”) is made and entered into as of December 28, 2016, by and among Southern States Bancshares, Inc., an Alabama corporation (the “Company”), and the purchasers signatory hereto (each, a “Registration Rights Purchaser” and collectively, the “Registration Rights Purchasers”).

SOUTHERN STATES BANK AMENDMENT TO EMPLOYMENT AGREEMENT
Employment Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks

This Amendment is hereby made effective on the 13th day of April, 2021, and hereby amends the Employment Agreement (the “Agreement”) entered into by and between Southern States Bank (the “Bank”) and James W. Swift (“Employee”) on the March 24, 2010.

EMPLOYMENT AGREEMENT
Employment Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks

THIS AGREEMENT made and entered into on the 5th day of February, 2007, by and between NAB, LLC, an Alabama Limited Liability Company (the “Bank”), and Mark Chambers (hereinafter “EMPLOYEE”).

SOUTHERN STATES BANK AMENDMENT TO EMPLOYMENT AGREEMENT
Employment Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks

This Amendment is hereby made effective on the 13th day of April, 2021, and hereby amends the Employment Agreement (the “Agreement”) entered into by and between Southern States Bank (the “Bank”) and Mark Chambers (“Employee”) on the February 5th, 2007.

FORM OF STOCK OPTION AGREEMENT Pursuant to Southern States Bancshares, Inc.
Stock Option Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks • Alabama

This Stock Option Agreement is made as of , 20 (the “Effective Date”), by and between Southern States Bancshares, Inc., an Alabama corporation (the “Company”), and (“Grantee”).

SOUTHERN STATES BANK AMENDMENT TO EMPLOYMENT AGREEMENT For STEPHEN W. WHATLEY
Employment Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks

This Amendment to Employment Agreement (“Amendment”) is hereby dated this 21st day of September, 2016 (the “Effective Date”) by and between Southern States Bank, an Alabama banking corporation (the “Employer”), and Stephen W. Whatley (the “Executive”).

AGREEMENT AND PLAN OF MERGER by and between SOUTHERN STATES BANCSHARES, INC. and EAST ALABAMA FINANCIAL GROUP, INC. dated as of May 7, 2019
Merger Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks • Alabama

THIS AGREEMENT AND PLAN OF MERGER is made and entered into as of this the 7th day of May, 2019, by and between SOUTHERN STATES BANCSHARES, INC., an Alabama corporation (“SSB”), and EAST ALABAMA FINANCIAL GROUP, INC., an Alabama corporation (“East Alabama”).

FORM OF RESTRICTED STOCK AWARD AGREEMENT
Restricted Stock Award Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks • Alabama

THIS RESTRICTED STOCK AWARD AGREEMENT (this “Agreement”) is made and entered into as of , 20 , by and between Southern States Bancshares, Inc., an Alabama corporation (the “Company”) and (the “Grantee”).

STOCK PURCHASE AGREEMENT By and Among SOUTHERN STATES BANCSHARES, INC. and THE PURCHASERS IDENTIFIED ON THE SIGNATURE PAGES HERETO Dated as of December 27, 2016
Stock Purchase Agreement • July 15th, 2021 • Southern States Bancshares, Inc. • State commercial banks • New York

This Stock Purchase Agreement (this “Agreement”) is dated as of December 27, 2016, by and among Southern States Bancshares, Inc., a bank holding company organized under the laws of the State of Alabama (the “Company”), and each purchaser identified on the signature pages hereto (each, including its successors and assigns, a “Purchaser” and collectively, the “Purchasers”).

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