0001628280-22-001990 Sample Contracts

REGISTRATION RIGHTS AGREEMENT

Registration Rights Agreement • February 8th, 2022 • Southern States Bancshares, Inc. • State commercial banks • New York

• Contract Type
  Registration Rights Agreement
• Filed
  February 8th, 2022
• Company
  Southern States Bancshares, Inc.
• Industry
  State commercial banks
• Jurisdiction
  New York

This REGISTRATION RIGHTS AGREEMENT (this “Agreement”) is dated as of February 7, 2022 and is made by and among Southern States Bancshares, Inc., an Alabama corporation (the “Company”), and the several purchasers of the Subordinated Notes (as defined below) identified on the signature pages to the Purchase Agreement (as defined below) (collectively, the “Purchasers”).

SOUTHERN STATES BANCSHARES, INC. As Issuer, and UMB BANK, N.A. As Trustee INDENTURE Dated as of February 7, 2022

Indenture • February 8th, 2022 • Southern States Bancshares, Inc. • State commercial banks • New York

• Contract Type
  Indenture
• Filed
  February 8th, 2022
• Company
  Southern States Bancshares, Inc.
• Industry
  State commercial banks
• Jurisdiction
  New York

SUBORDINATED NOTE PURCHASE AGREEMENT

Subordinated Note Purchase Agreement • February 8th, 2022 • Southern States Bancshares, Inc. • State commercial banks • New York

• Contract Type
  Subordinated Note Purchase Agreement
• Filed
  February 8th, 2022
• Company
  Southern States Bancshares, Inc.
• Industry
  State commercial banks
• Jurisdiction
  New York

This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of February 7, 2022, and is made by and among Southern States Bancshares, Inc., an Alabama corporation (the “Company”), and the several purchasers of the Subordinated Notes identified on the signature pages hereto (each a “Purchaser” and collectively, the “Purchasers”).