Control No. K115500 STATE OF GEORGIA Secretary of State Corporations Division
315 West Tower
#2 Martin Luther King, Jr. Dr.
Atlanta, Georgia 30334-1530 Certified Copy I, Karen C Handel, Secretary of the State of Georgia, do hereby certify under the seal of my office
that the attached documents are true and correct copies of documents filed under the name of SOUTHEASTERN BANK FINANCIAL CORPORATION Domestic Profit Corporation Said entity was formed in the jurisdiction set forth above and has filed in the Office of Secretary
of State on the 4th day of September, 1991 its certificate of limited partnership, articles of
incorporation, articles of association, articles of organization or application for certificate of
authority to transact business in Georgia. This Certificate is issued pursuant to Title 14 of the
Official Code of Georgia Annotated and is prima-facie evidence of the existence or nonexistence of
the facts stated herein. WITNESS my hand and official seal of the City of Atlanta and the State of Georgia on 10th day of March, 2009 Karen C Handel
Secretary of State Certification Number: 3701816-1 Reference: 139428.00000
Verify this certificate online at http://corp.sos.state.ga.us/corp/soskb/verify.asp




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K115500
 STATE OF GEORGIA
 Secretary of State
 Corporations Division
315 West Tower
#2 Martin Luther King, Jr. Dr.
Atlanta, Georgia 30334-1530
 CERTIFICATE
OF
AMENDMENT
 Karen C Handel
 SOUTHEASTERN BANK FINANCIAL
CORPORATION
a Domestic Profit Corporation
 12/19/2008
 (GRAPHIC)
    WITNESS my hand and official
seal in the City of Atlanta
and the State of Georgia on December 19, 2008-s- Karen C HandelKaren C HandelSecretary of State




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Control No: K115500
Date Filed: 12/19/2008 04:11 PM
Karen C Handel
Secretary of State
 ARTICLES OF AMENDMENT
TO THE
ARTICLES OF INCORPORATION
OF
SOUTHEASTERN BANK FINANCIAL CORPORATION
 I.
  II.
  ARTICLE TWO
    (i)
    
    The number of shares constituting that series and the distinctive
designation of that series;(ii)
    
    The dividend rate on the shares of that series, whether dividends shall be
cumulative, and, if so, from which date or dates, and the relative rights of
priority, if any, of payments of dividends on shares of that series;(iii)
    
    Whether that series shall have voting rights, in addition to the voting
rights provided by law, and, if so, the terms of such voting rights;




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(iv)
    
    Whether that series shall have conversion privileges, and, if so, the terms and
conditions of such conversion, including provisions for adjustment of the conversion
rate in such events as the Board of Directors shall determine;(v)
    
    Whether or not the shares of that series shall be redeemable, and, if so,
the terms and conditions of such redemption, including the date or dates upon or
after which they shall be redeemable, and the amount per share payable in case of
redemption, which amount may vary under different conditions and at different
redemption rates;(vi)
    
    Whether that series shall have a sinking fund for the redemption or
purchase of shares of that series, and, if so, the terms and amount of such sinking
fund; and(vii)
    
    Any other relative rights, preferences and limitations of that series.
  III.
   2




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IN WITNESS WHEREOF, th
 SOUTHEASTERN BANK FINANCIAL CORPORATIONBy:
    /s/ Ronald L. ThigpenRonald L. ThigpenExecutive Vice President and Chief Operating Officer 3




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Secretary of State
Corporations Division 
315 West Tower
#2 Martin Luther King, Jr. Dr. 
Atlanta, Georgia 30334-1530
    
    DOCKET NUMBER
CONTROL NUMBER
EFFECTIVE DATE
REFERENCE
PRINT DATE
FORM NUMBER
    
    :    061161140
:    K115500
:    04/26/2006
:    0044
:    04/26/2006
:    111
 
 CERTIFICATE OF AMENDMENT
  SOUTHEASTERN BANK FINANCIAL CORPORATION
A DOMESTIC PROFIT CORPORATION
   
 (SEAL)
    -s- Cathy CoxCathy CoxSecretary of State




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ARTICLES OF AMENDMENT
TO THE
ARTICLES OF INCORPORATION
OF
SOUTHEASTERN BANK FINANCIAL CORPORATION
 I.
  II.
  ARTICLE EIGHT
  III.




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IN WITNESS WHEREOF,
 SOUTHEASTERN BANK FINANCIAL CORPORATIONBy:
    /s/ Ronald L. ThigpenRonald L. ThigpenExecutive Vice President and Chief Operating Officer 2




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Secretary of State
Business Services and Regulation 
Suite 315, West Tower
2 Martin Luther King Jr. Dr. 
Atlanta, Georgia 30334-1530
    
    DOCKET NUMBER
CONTROL NUMBER
EFFECTIVE DATE
REFERENCE
PRINT DATE
FORM NUMBER
    
    :    920580017
:    8611107
:    01/23/1992
:    0045
:    02/28/1992
:    614
 
 CERTIFICATE OF RESTATED ARTICLES WITH NAME CHANGE
  MICAH JANUS, PH.D., P.A.
  JANUS & ASSOCIATES, INC.
  WITNESS
 -s- Max ClelandMAX CLELANDSECRETARY OF STATE(SEAL)
    
    -s- Verley J. SpiveyVERLEY J. SPIVEYDEPUTY SECRETARY OF STATE
 SECURITIES
    
    CEMETERIES
    
    CORPORATIONS
    
    CORPORATIONS HOT-LINE656-2894
    
    656-3079
    
    656-2817
    
    404-656-2222Outside Metro-Atlanta




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(i)
    
    For any appropriation, in violation of his duties, of any business opportunity of the
Corporation;(ii)
    
    For acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law;(iii)
    
    For the types of liability set forth in Code Section 14-2-832 of the Official Code of Georgia; or(iv)
    
    For any transaction from which the director derived an improper personal benefit.




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ATTEST:
    
    
    
    MICAH L. JANUS, PH.D., P.A.,/s/ Ann Janus
    
    
    
    /s/ Micah Janus, Ph.DANN JANUS, Secretary
    
    
    
    MICAH JANUS, President
  3




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CERTIFICATE
    /s/ Micah L. Janus, Ph.DMicah L. Janus, President




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Secretary of State
Corporations Division 
315 West Tower
#2 Martin Luther King, Jr. Dr. 
Atlanta, Georgia 30334-1530
    
    DOCKET NUMBER
CONTROL NUMBER
EFFECTIVE DATE
REFERENCE
PRINT DATE
FORM NUMBER
    
    :    051950311
:    K115500
:    07/12/2005
:    0045
:    04/21/2005
:    611
 
 CERTIFICATE OF NAME CHANGE AMENDMENT
  GEORGIA BANK FINANCIAL CORPORATION
A DOMESTIC PROFIT CORPORATION
  SOUTHEASTERN BANK FINANCIAL CORPORATION
  WITNESS
 
 (SEAL)
    -s- Cathy CoxCathy CoxSecretary of State




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ARTICLES OF AMENDMENT
 to the
 ARTICLES OF INCORPORATION
 of
 GEORGIA BANK FINANCIAL CORPORATION
(To Be Known as Southeastern Bank Financial Corporation)
 1.
  2.
 Article One Article One
 ARTICLE ONE
 Southeastern Bank Financial Corporation.
 3.
  4.




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IN WITNESS WHEREOF,
 GEORGIA BANK FINANCIAL CORPORATIONBy:
    /s/ Ronald L. ThigpenRonald L. ThigpenExecutive Vice President and Chief Operating Officer ATTEST:By:
    /s/ Susie W. MivilleName:
    Susie W. MivilleTitle:
    Controller  -2-




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Secretary of State
Corporations Division 
Suite 315, West Tower
2 Martin Luther King Jr. Dr. 
Atlanta, Georgia 30334-1530
    
    DOCKET NUMBER
CONTROL NUMBER
EFFECTIVE DATE
REFERENCE
PRINT DATE
FORM NUMBER
    
    :    951210532
:    9115500
:    04/21/1995
:    0045
:    05/01/1995
:    111
 
 CERTIFICATE OF AMENDMENT
 MAX CLELAND,
 GEORGIA BANK FINANCIAL CORPORATION
A DOMESTIC PROFIT CORPORATION
  WITNESS
 (SEAL)
    -s- Max ClelandMAX CLELANDSECRETARY OF STATE CORPORATIONS
    
    CORPORATIONS HOT LINE656-2817
    
    404-656-2222Outside Metro-Atlanta




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ARTICLES OF AMENDMENT
TO THE
ARTICLES OF INCORPORATION
OF
GEORGIA BANK FINANCIAL CORPORATION
     ARTICLE TWO




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IN WITNESS WHEREOF,
 Georgia Bank Financial CorporationBy:
    /s/ Patrick G. BlanchardPatrick G. BlanchardPresident and Chief Executive Officer Attest:By:
    /s/ Travers W. PaineTravers W. Paine IIICorporate Secretary

[Corporate Seal] 2




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Secretary of State
Business Services and Regulation 
Suite 315, West Tower
2 Martin Luther King Jr. Dr. 
Atlanta, Georgia 30334-1530
    
    DOCKET NUMBER
CONTROL NUMBER
EFFECTIVE DATE
REFERENCE
PRINT DATE
FORM NUMBER
    
    :    923660357
:    9115500
:    12/31/1992
:    0091
:    12/31/1992
:    411
 
 CERTIFICATE OF MERGER
  
 
 -s- Max ClelandMAX CLELANDSECRETARY OF STATE(SEAL)
    
    -s- Verley J. SpiveyVERLEY J. SPIVEYDEPUTY SECRETARY OF STATE
 SECURITIES
    
    CEMETERIES
    
    CORPORATIONS
    
    CORPORATIONS HOT-LINE656-2894
    
    656-3079
    
    656-2817
    
    404-656-2222Outside Metro-Atlanta




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ARTICLES OF MERGER
OF
FCS FINANCIAL CORPORATION
WITH AND INTO
GEORGIA BANK FINANCIAL CORPORATION
          GEORGIA BANK FINANCIAL CORPORATIONBy:
    /s/ Patrick G. BlanchardPatrick G. BlanchardPresident and CEO[CORPORATE SEAL]
    Attest:
    /s/ Travers W. PaineTravers W. Paine, IIISecretary




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FCS FINANCIAL CORPORATIONBy:
    /s/ Ronald ThigpenRonald ThigpenPresident and CEO[CORPORATE SEAL]
    Attest:
    /s/ Carl R. ThompsonCarl R. ThompsonSecretary




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AGREEMENT AND PLAN OF MERGER
 GEORGIA BANK FINANCIAL CORPORATION FCS FINANCIAL CORPORATION
 WITNESSETH
    Definitions




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Merger
 Effective Date
 Effect of Merger
 Stock Options
 Conversion of Shares




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Exchange of Shares and Converting Options




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Holders of Dissenting Shares
 No Rights as Shareholders




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Conditions
 Termination
 Amendments provided however
 Counterparts
 Governing Law




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GEORGIA BANK FINANCIAL CORPORATIONBy:
    /s/ Patrick G. BlanchardPatrick G. BlanchardPresident and CEO ATTEST:By:
    /s/ Travers W. PaineTravers W. Paine, IIISecretary
(CORPORATE SEAL) FCS FINANCIAL CORPORATIONBy:
    /s/ Ronald ThigpenRonald ThigpenPresident and CEO ATTEST:By:
    /s/ Carl R. ThompsonSecretary(CORPORATE SEAL)




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Secretary of State 
Business Services and Regulation
    
    CHARTER  NUMBER
    
    
    
    : 9115500 DPSuite 315, West Tower
    
    DATE INCORPORATED
    
    
    
    : SEPTEMBER 04, 19912 Martin Luther King Jr. Dr.
    
    COUNTY
    
    
    
    : RICHMONDAtlanta, Georgia 30334-1530
    
    EXAMINER
    
    
    
    : SANDRA JEAN SNOWTELEPHONE
    
    
    
    : 404-656-2811
  
 CERTIFICATE OF INCORPORATION
  GEORGIA BANK FINANCIAL CORPORATION
    -s- Max ClelandMAX CLELANDSECRETARY OF STATE(SEAL)
    
    -s- Verley J. SpiveyVERLEY J. SPIVEYDEPUTY SECRETARY OF STATE
 SECURITIES
    
    CEMETERIES
    
    CORPORATIONS
    
    CORPORATIONS HOT-LINE656-2894
    
    656-3079
    
    656-2817
    
    404-656-2222Outside Metro-Atlanta




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ARTICLES OF INCORPORATION
OF
GEORGIA BANK FINANCIAL CORPORATION
 ARTICLE ONE
  ARTICLE TWO
  ARTICLE THREE
  ARTICLE FOUR
  
 ARTICLE FIVE
  
 1




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ARTICLE SIX
  
 
 
 
 
 
 
 
 2




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ARTICLE SEVEN
  (i)
    
    any appropriation, in violation of the directors duties, of any business opportunity of
the corporation;(ii)
    
    acts or omissions which involve intentional misconduct or a knowing violation of law;(iii)
    
    the types of liability set forth in Section 14-2-832 (or any successor or redesignation
thereof) of the Georgia Business Corporation Code; and(iv)
    
    any transaction from which the director received an improper personal benefit.
   3




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ARTICLE EIGHT
         4




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5




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ARTICLE NINE
   6




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7




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8




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9




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10




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11




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12




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13




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14




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15




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ARTICLE TEN
  IN WITNESS WHEREOF
 /s/ Travers W. Paine IIITravers W. Paine IIIIncorporator 
 16




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Secretary of State 
Business Services and Regulation
    
    FORM NUMBER
    
    
    
    : NRSuite 315, West Tower
    
    CERTIFICATE DATE
    
    
    
    : 06/07/912 Martin Luther King Jr. Dr.
    
    DOCKET NUMBER
    
    
    
    : 91156035Atlanta, Georgia 30334-1530
    
    EXAMINER
    
    
    
    : STACY GILLETTELEPHONE
    
    
    
    : 404-656-3173
  
      -s- Max ClelandMAX CLELANDSECRETARY OF STATE(SEAL)
    
    -s- Verley J. SpiveyVERLEY J. SPIVEYDEPUTY SECRETARY OF STATE
 SECURITIES
    
    CEMETERIES
    
    CORPORATIONS
    
    CORPORATIONS HOT-LINE656-2894
    
    656-3079
    
    656-2817
    
    404-656-2222Outside Metro-Atlanta




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MAX CLELAND
Secretary of State
State of Georgia BUSINESS SERVICES AND REGULATION
Suite 315, West Tower
2 Martin Luther King Jr., Drive
Atlanta, Georgia 30334
(404) 656-2817 A100 Eff. 7/1/89
J. F. GULLION
Director ARTICLES OF INCORPORATION DATA ENTRY FORM
FOR GEORGIA CORPORATIONS I. Filing Date: 9/4/9 Code: Docket Number 91248384 Assigned Exam: 72 Amount: $60.00 By: 72
Charter Number: 9115500 Completed: 9/4/9 DO NOT WRITE ABOVE THIS LINE  SOS USE ONLY
NOTICE TO APPLICANT: PRINT PLAINLY OR TYPE THE REMAINDER OF THIS FORM. II. Corporate Name: GEORGIA BANK FINANCIAL CORPORATION
Mailing Address: 3530 Wheeler Road
City: Augusta County: Richmond State: GA Zip Code: 30909
III. Fees Submitted By: Paine, McElreath & Rhodes, P.C.
Amount Enclosed: $60.00 Check Number:
IV. Incorporator: Travers W. Paine III
Address: 301 Wheeler Executive Center
City: Augusta State: GA Zip Code: 30909
Incorporator:
Address:
City: State: Zip Code:
V. Registered Agent/Office: Travers W. Paine III
Address: 301 Wheeler Executive Center
City: Augusta County: Richmond State: Georgia Zip Code: 30909 VI. ARTICLES OF INCORPORATION FILING CHECK-OFF LIST Applicant Examiner
1. Original and one conformed copy of Articles of Incorporation XX 2. Corporate name verification number 91156035 3. Authorized shares stated XX
4. Incorporators signature XX
5. Post effective date, if applicable n/a
6. Number of pages attached: 52 VII. Applicant/Attorney: Telephone:
Travers W. Paine III 404/738-9710
Address: 301 Wheeler Executive Center
City: Augusta State: Georgia Zip Code: 30909 NOTICE: Attach original and one copy of the Articles of Incorporation and the Secretary of
State filing fee ($60.00). Mail or deliver to the above address. This form does not replace the
Articles of Incorporation. I undersigned that the information on this form will be used in the Secretary of State
Corporate database. I certify that a notice of intent to Incorporate and a publishing fee of
$40.00 has been mailed or delivered to an authorized newspaper, as required by law. Signed: Travers W. Paine, III Date: 9-3-91