| (i)   | The      compensation committee of AB&T Financial Corporation has discussed,      reviewed, and evaluated with senior risk officers at least every six      months during the period beginning on September 14, 2009, and ending on      December 31, 2009 (the “Applicable Period”), the senior executive officer      (“SEO”) compensation plans and employee compensation plans and the risks      these plans pose to AB&T Financial  Corporation; |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (ii)   | The      compensation committee of AB&T Financial Corporation has identified      and limited during the Applicable Period any features of the SEO      compensation plans that could lead SEOs to take unnecessary and excessive      risks that could threaten the value of AB&T Financial Corporation, and      during that same Applicable Period has identified any features of the      employee compensation plans that pose risks to AB&T Financial      Corporation and has limited those features to ensure that AB&T      Financial Corporation is not unnecessarily exposed to    risks; |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (iii)   | The      compensation committee has reviewed, at least every six months during the      Applicable Period, the terms of each employee compensation plan and      identified any features of the plan that could encourage the manipulation      of reported earnings of AB&T Financial Corporation to enhance the      compensation of an employee and has limited any such    features; |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (iv)   | The      compensation committee of AB&T Financial Corporation will certify to      the reviews of the SEO compensation plans and employee compensation plans      required under (i) and (iii) above; |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (v)   | The      compensation committee of AB&T Financial Corporation will provide a      narrative description of how it limited during any part of the most      recently completed fiscal year that included a TARP period the features      in |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | SEO      compensation plans that could lead SEOs to take unnecessary and excessive      risks that could threaten the value of AB&T Financial      Corporation; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | Employee      compensation plans that unnecessarily expose AB&T Financial      Corporation to risks; and |
|--------|-----|--------------------------------------------------------------------------------------------------------------|

|   | (C) | Employee      compensation plans that could encourage the manipulation of reported      earnings of AB&T Financial Corporation to enhance the compensation of      an employee; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (vi)   | AB&T      Financial Corporation has required that bonus payments, as defined in the      regulations and guidance established under section 111 of EESA (“bonus      payments”), of the SEOs and twenty next most highly compensated employees      be subject to a recovery or ‘‘clawback’’ provision during any part of the      most recently completed fiscal year that was a TARP period if the bonus      payments were based on materially inaccurate financial statements or any      other materially inaccurate performance metric  criteria; |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (vii)   | AB&T      Financial Corporation has prohibited any golden parachute payment, as      defined in the regulations and guidance established under section 111 of      EESA, to an SEO or any of the next five most highly compensated employees      during the period beginning on June 15, 2009 and ending on December 31,      2009; |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (viii)   | AB&T      Financial Corporation has limited bonus payments to its applicable      employees in accordance with section 111 of EESA and the regulations and      guidance established thereunder during the period beginning on June 15,      2009 and ending on December 31,2009. |
|--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (ix)   | The      board of directors of AB&T Financial Corporation has established an      excessive or luxury expenditures policy, as defined in the regulations and      guidance established under section 111 of EESA, by September 14, 2009;      this policy has been provided to Treasury and its primary regulatory      agency; AB&T Financial Corporation and its employees have complied      with this policy during the applicable period; and any expenses that,      pursuant to this policy, required approval of the board of directors, a      committee of the board of directors, an SEO, or an executive officer with      a similar level of responsibility were properly  approved; |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (x)   | AB&T      Financial Corporation will permit a non-binding shareholder resolution in      compliance with any applicable Federal securities rules and regulations on      the disclosures provided under the Federal securities laws related to SEO      compensation paid or accrued during the period beginning June 15, 2009 and      ending on December 31, 2009; |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (xi)   | AB&T      Financial Corporation will disclose the amount, nature, and justification      for the offering during the period beginning June 15, 2009 and ending with      December 31, 2009 of any perquisites, as defined in the regulations and      guidance established under section 111 of EESA, whose total value exceeds      $25,000 for any employee who is subject to the bonus payment limitations      identified in paragraph (viii); |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (xii)   | AB&T      Financial Corporation will disclose whether AB&T Financial      Corporation, the board of directors of AB&T Financial Corporation, or      the compensation committee of AB&T Financial Corporation has engaged      during the period beginning June 15, 2009 and ending December 31, 2009, a      compensation consultant; and the services the compensation consultant or      any affiliate of the compensation consultant provided during this      period; |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (xiii)   | AB&T      Financial Corporation has prohibited the payment of any gross-ups, as      defined in the regulations and guidance established under section 111 of      EESA, to the SEOs and the next twenty most highly compensated employees      during the period beginning June 15, 2009 and ending December 31,      2009; |
|--------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (xiv)   | AB&T      Financial Corporation has substantially complied with all other      requirements related to employee compensation that are provided in the      agreement between AB&T Financial Corporation and Treasury, including      any amendments; |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (xv)   | AB&T      Financial Corporation has submitted to Treasury a complete and accurate      list of the SEOs and the twenty next most highly compensated employees for      the current fiscal year and the most recently completed fiscal year, with      the non-SEOs ranked in descending order of level of annual compensation,      and with the name, title, and employer of each SEO and most highly      compensated employee identified;and |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (xvi)   | I      understand that a knowing and willful false or fraudulent statement made      in connection with this certification may be punished by fine,      imprisonment, or both. |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|