Document:

EX-4.2

 Exhibit 4.2 

REGISTRATION RIGHTS AGREEMENT 

THIS REGISTRATION RIGHTS AGREEMENT (this “Agreement”) is entered into as of October 29, 2010 by and
between Americus Financial Services, Inc., an Alabama corporation (the “Company”) and Charles Investment Group, LLC, a Delaware limited liability company (the “Investor”). The Investor, together
with any other Persons who shall be valid transferees of Registrable Shares (as hereinafter defined) and execute a counterpart hereto pursuant to the provisions of, and subject to the restrictions and rights set forth in, this Agreement, are
referred to herein collectively as the “Holders” and individually as a “Holder.” 
 WHEREAS, on the date
hereof, the Investor has acquired an aggregate of 7,720,000 shares of common stock, par value $1.00 per share (the “Common Stock”), from the Company pursuant to a Securities Purchase Agreement dated as of May 26, 2010, as
amended (the “Purchase Agreement”); 
 WHEREAS, it is a condition to the obligations of the Investor under the Purchase
Agreement that the Company and the Investor enter into this Agreement in order to provide the Holders with certain rights with respect to the registration of Common Stock acquired by the Investor from the Company, whether pursuant to the Purchase
Agreement or other than pursuant to the Purchase Agreement; and 
 WHEREAS, capitalized terms used in this Agreement shall have the meanings
ascribed to them in Article 2 hereof. 
 NOW, THEREFORE, for and in consideration of the foregoing and of the mutual covenants and
agreements hereinafter set forth, the parties hereto agree as follows: 
  

	1.	REGISTRATION RIGHTS 

  

	 	1.1	Demand Registration Rights 

  

	 	1.1.1.	Request 

 Subject to the terms and conditions hereinafter set forth, after the earlier of
(i) three (3) years after the date of this Agreement or (ii) one hundred eighty (180) days after the effective date of a registration statement for an IPO, Initiating Holders may, at any time and from time to time, request
registration for sale under the Securities Act of all or part of the Registrable Shares then held by them, and upon such request the Company will promptly take the actions specified in Section 1.1.2. 

 

	 	1.1.2.	Demand Procedures 

 Within ten (10) Business Days after receipt by the Company of a
written registration request under Section 1.1.1 (which request shall specify the number of Registrable Shares proposed to be registered and sold and the manner in which such sale is proposed to be effected), the Company shall promptly
give written notice to all other Holders of the proposed 

 
registration, and such other Holders shall have the right to join in the proposed registration and sale, upon written request to the Company (which request shall specify the number of Registrable
Shares proposed to be registered and sold) within ten (10) Business Days after receipt of such notice from the Company. Subject to the provisions of Section 1.1.4, the proposed registration of Registrable Shares by the Holders under
this Section 1.1 may also include securities offered by the Company for its own account and/or other securities of the Company that are held by Other Shareholders, if any. The Company shall thereafter, (i) as soon as practicable,
and in any event within sixty (60) days after the date such request is given by the Initiating Holders under Section 1.1.1, file with the SEC under the Securities Act a registration statement on an appropriate form covering all
Registrable Shares specified in the demand request and all Registrable Shares or other securities of the Company with respect to which the Company has received the written request from the other Holders or Other Shareholders, as the case may be, and
(ii) as soon as practicable after the filing of the registration statement, cause such registration statement to be declared effective by the SEC. At the request of a majority-in-interest of the Initiating Holders, the Company shall cause each
offering pursuant to Section 1.1 to be managed, on a firm commitment basis, by a recognized regional or national underwriter selected by a majority-in-interest of the Initiating Holders and approved by the Company, such approval not to
be unreasonably withheld, and the Company shall enter into an underwriting agreement in customary form and containing customary terms reasonably acceptable to a majority-in-interest of the Initiating Holders with the underwriter or underwriters
selected for such underwriting. All Holders and Other Shareholders intending to participate in such proposed registration must agree to distribute their securities through such underwriting and shall be required to enter into an underwriting
agreement in customary form. Notwithstanding anything in this Section 1.1 to the contrary, if at any time the Company is eligible to use a Form S-3 registration statement (or any successor form) for secondary sales, then, at the request
of a majority-in-interest of the Initiating Holders, the registration statement to be filed by the Company pursuant to this Section 1.1.2 shall be a registration statement on Form S-3 (or any successor form). 

 

	 	1.1.3.	Delay by Company 

 The Company shall not be required to effect, or to take action to
effect, a demand registration under the Securities Act pursuant to Section 1.1 hereof if (i) the Company receives a request for registration under Section 1.1.1 less than thirty (30) days preceding the anticipated
effective date of a proposed underwritten public offering of securities of the Company approved by the Company’s Board of Directors prior to the Company’s receipt of the request and, in such event, the Company shall not be required to
effect, or to take action to effect, any such requested registration until one hundred eighty (180) days after the effective date of the registration statement relating to such proposed underwritten public offering, provided, that the
Company makes commercially reasonable efforts to cause the registration statement relating to such underwritten public offering to be declared effective; (ii) within ninety (90) days prior to any such request for registration, a
registration of securities of the Company has been effected in which the Holders had the right to participate pursuant to this Section 1.1 or Section 1.2 hereof; or (iii) the Board of Directors of the Company reasonably
determines in good faith that effecting such a demand registration at such time would be materially detrimental to the Company (and the chief executive officer of the Company provides a signed certificate to that effect to the Holders) because such
action would (a) materially interfere with a significant acquisition, 

  
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corporate reorganization or other similar transaction involving the Company, (b) require the premature disclosure of material information that the Company has a bona fide business purpose
for preserving as confidential or (c) render the Company unable to comply with requirements under the Securities Act or the Exchange Act; provided, however, that the Company may only delay a demand registration pursuant to clause (iii) of
this Section 1.1.3 for a period not exceeding sixty (60) days after the request of the Initiating Holders is given and may only defer any such filing pursuant to this Section 1.1.3 once per calendar year. The Company
shall promptly notify in writing the Initiating Holders requesting registration of any decision not to effect any such request for registration pursuant to this Section 1.1.3, which notice shall set forth in reasonable detail the reason
for such decision and shall include an undertaking by the Company promptly to notify such Holders as soon as a demand registration may be effected. 
  

	 	1.1.4.	Reduction 

 If a registration initiated by any Initiating Holders pursuant to
Section 1.1.1 is an underwritten registration and the managing underwriters advise the Company and the Holders and any Other Shareholders participating in the registration that in their opinion due to marketing factors the number of
shares of Common Stock requested to be included in such registration exceeds the number which can reasonably be expected to be sold in such offering at a price and on other terms acceptable to the Initiating Holders, then the amount of such shares
that may be included in such registration shall be allocated as follows: (i) first, the Registrable Shares proposed to be sold by the Initiating Holders exercising rights under Section 1.1.1 and any other Holders proposing to sell
Registrable Shares pursuant to such registration in accordance with the terms hereof shall be included in such registration and, if all such Registrable Shares cannot be included in such registration due to marketing factors, the amount of
Registrable Shares to be included in such registration by all such Initiating Holders and any other Holders proposing to sell Registrable Share pursuant to such registration shall be allocated pro rata among such Initiating Holders and other Holders
in proportion to the number of Registrable Shares owned by them, (ii) second, the shares proposed to be sold by the Company shall be included in such registration, and (iii) third, the shares proposed to be sold by Other Shareholders shall
be included in such registration and, if all such shares cannot be included in such registration due to marketing factors, the amount of shares to be included in such registration by all such Other Shareholders shall be allocated amongst such Other
Shareholders in accordance with the terms of such other agreements as may exist between the Company and such Other Shareholders with respect to the registration of their shares of Common Stock, or if no such other agreements shall exist, pro rata
among such Other Shareholders in proportion to the number of shares of Common Stock (calculated on an as-converted to Common Stock basis) owned by them. 
  

	 	1.1.5.	Withdrawal 

 Any Holder participating in any demand registration pursuant to this
Section 1.1 may withdraw such Holder’s Registrable Shares from such registration at any time before a registration statement is declared effective, and the Company may withdraw such registration statement if no Registrable Shares
are then proposed to be included. Upon the request of a majority-in-interest of the Initiating Holders, the Initiating Holders may withdraw their request for registration pursuant to Section 1.1.1. 

  
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	 	1.2.	Piggyback Registration Rights 

  

	 	1.2.1.	Request 

 If at any time or times the Company proposes to file a registration statement
covering any of its securities under the Securities Act (whether to be sold by it or by one or more selling stockholders), other than (i) an offering pursuant to a demand registration under Section 1.1 hereof (in which case the
Holders shall be entitled to receive notice of, and participate in, such registration in accordance with the terms of Section 1.1 hereof) or (ii) an offering registered on Form S-8 or Form S-4, or successor forms relating to
employee stock plans and business combinations, respectively, then the Company shall, at such time, promptly, give written notice of the proposed registration to all Holders specifying in reasonable detail the proposed transaction and number and
type of securities to be covered by the registration statement and, at the written request of any Holder delivered to the Company within ten (10) days after the giving of such notice, but subject to the terms of Section 1.2.2 below,
the Company shall include in such registration and offering, and in any underwriting of such offering, all Registrable Shares as any such Holder shall request the Company to include in such registration and offering. The Company shall have no
obligation to include shares owned by any Holder in a registration statement pursuant to this Section 1.2 unless and until such Holder, if such registration is an underwritten offering, agrees to enter into an underwriting agreement, a
custody agreement and power of attorney and any other customary documents required in an underwritten offering all in customary form and containing customary provisions. 
  

	 	1.2.2.	Reduction 

 If a registration in which any Holder has the right or is otherwise permitted
to participate pursuant to this Section 1.2 is an underwritten registration and the managing underwriters advise the Company in writing that in their opinion due to marketing factors the number of shares of Common Stock requested to be
included in such registration exceeds the number which can reasonably be expected to be sold in such offering, the Company shall include in such registration (i) first, the shares proposed to be sold by the Company, (ii) second, the
Registrable Shares proposed to be sold by the Holders exercising rights under Section 1.2.1 and, if all such Registrable Shares cannot be included in such registration due to marketing factors, the amount of Registrable Shares to be
included in such registration by all such Holders shall be allocated pro rata among such Holders in proportion to the number of Registrable Shares owned by them, and (iii) third, the shares proposed to be sold by any Other Shareholders
proposing to sell shares of Common Stock pursuant to such registration and, if all such shares cannot be included in such registration due to marketing factors, the amount of shares to be included in such registration by all such Other Shareholders
shall be allocated amongst such Other Shareholders in accordance with the terms of such other agreements as may exist between the Company and such Other Shareholders with respect to the registration of their shares of Common Stock, or if no such
other agreements shall exist, pro rata among such Other Shareholders in proportion to the number of shares of Common Stock (calculated on an as-converted to Common Stock basis) owned by them. 

  
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	 	1.4.	Registration Procedures 

 Whenever any Holder has requested that any shares be
registered pursuant to Sections 1.1 or 1.2 hereof, the Company shall, as expeditiously as reasonably possible: 
 (1) prepare
and file with the SEC a registration statement with respect to such Registrable Shares and, unless the registration statement becomes automatically effective upon filing, use commercially reasonable efforts to cause such registration statement to
become effective as soon as reasonably practicable thereafter (provided that before filing a registration statement or prospectus or any amendments or supplements thereto, the Company shall, to the extent practicable, furnish such Holder with copies
of all such documents proposed to be filed); 
 (2) prepare and file with the SEC such amendments and supplements to such registration
statement and prospectus used in connection therewith as may be necessary to keep such registration statement effective for a period of not less than one-hundred eighty (180) days (or, in the case of a registration on Form S-3, for a period of
not less than two (2) years or until such time as there are no Registrable Shares covered by the registration statement, provided that the Company shall only be required to keep such registration statement effective for such extended period of
time to the extent it is eligible to use Form S-3), or until such earlier time as such Holder has completed the distribution described in such registration statement, whichever occurs first; 

(3) furnish to such Holder such number of copies of such registration statement, each amendment and supplement thereto, the prospectus
included in such registration statement (including each preliminary prospectus), and such other documents as such Holder may reasonably request; 

(4) use commercially reasonable efforts to register or qualify such shares under such other securities or blue sky laws of such jurisdictions
as such Holder requests (and to maintain such registrations and qualifications effective for the applicable period of time set forth in Section 1.4(2) hereof), and to do any and all other acts and things which may be necessary or
advisable to enable such Holder to consummate the disposition in such jurisdictions of such shares (provided that the Company will not be required to (i) qualify generally to do business in any jurisdiction where it would not be required but
for this subsection (4), (ii) subject itself to taxation in any such jurisdiction, or (iii) file any general consent to service of process in any such jurisdiction); 

(5) notify such Holder, at any time when a prospectus relating thereto is required to be delivered under the Securities Act within the period
that the Company is required to keep the registration statement effective, of the happening of any event as a result of which the prospectus included in any such registration statement contains an untrue statement of a material fact or omits to
state a material fact necessary to make the statements therein not misleading in light of the circumstances then existing, and the Company shall use commercially reasonable efforts to prepare, file and furnish to such Holder a supplement or
amendment to such prospectus so that, as thereafter delivered to the purchasers of such shares, such prospectus will not contain an untrue statement of a material fact or omit to state a material fact necessary to make the statements therein not
misleading in light of the circumstances then existing; 

  
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 (6) cause all such shares to be listed on the securities exchanges (or quotation systems), if
any, on which similar securities issued by the Company are then listed or quoted (or if not then listed or quoted, on such securities exchanges (or quotation systems) as are requested by a majority-in-interest of the participating Holders); 

(7) provide a transfer agent and registrar and a CUSIP number for all such shares not later than the effective date of such registration
statement; 
 (8) enter into such customary agreements and take all such other customary actions as such Holder reasonably requests (and
subject to its reasonable approval) in order to expedite or facilitate the disposition of such shares; 
 (9) make available for inspection
by such Holder, by any underwriter participating in any distribution pursuant to such registration statement, and by any attorney, accountant or other agent retained by such Holder or by any such underwriter, all financial and other records,
pertinent corporate documents, and properties (other than confidential intellectual property) of the Company; and 
 (10) in connection with
any underwritten offering pursuant to a registration statement filed pursuant to Section 1.1 hereof, enter into an underwriting agreement in customary form and containing reasonable customary provisions, including provisions for
indemnification of underwriters and contribution, if so requested by any underwriter. 
  

	 	1.5.	Holdback Agreements 

 (a) Notwithstanding anything in this Agreement to the
contrary, if, after any registration statement to which the rights hereunder apply becomes effective (and prior to completion of any sales thereunder), the Company’s Board of Directors determines in good faith that the failure of the Company to
(i) suspend sales of stock under the registration statement or (ii) amend or supplement the registration statement would be seriously detrimental to the Company as described in Section 1.1.3 hereof, the Company shall so notify
each Holder participating in such registration and each Holder shall suspend any further sales under such registration statement until the Company advises such Holder that the registration statement has been amended or that conditions no longer
exist which would require such suspension, provided that (x) the Company may impose any such suspension for no more than sixty (60) days (inclusive of any days for which a registration request has been delayed pursuant to
Section 1.1.3 during the past twelve months) and no more than once during any twelve month period and (y) the Company shall use commercially reasonable efforts to amend the registration statement or otherwise take action to permit
sales thereunder as soon as practicable. 
 (b) In the event that the Company effects a registration of any securities under the Securities
Act in an IPO, each Holder agrees not to effect any sale, including any sale pursuant to Rule 144 under the Securities Act, of any Equity Securities (except as part of such offering) during the 180-day period commencing with the effective date
of the registration statement for the IPO, provided that all holders of one percent (1%) or more of the Company’s 

  
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outstanding Equity Securities, and all officers and directors of the Company, to the extent that they hold Equity Securities, enter into similar agreements providing for similar restrictions
on sales; provided, however, that the agreement set forth in this Section 1.5(b) shall terminate and be of no further force or effect with respect to all Holders if any holder of one percent (1%) or more of the Company’s
outstanding Equity Securities, any officer or director of the Company that has executed a similar agreement or any Holder hereunder shall have received a waiver relieving it of its obligations hereunder or under any such similar agreement. The
Company can impose stop-transfer instructions to enforce the provisions of this Section 1.5(b). 
  

	 	1.6.	Registration Expenses 

  

	 	1.6.1.	Holder Expenses 

 If, pursuant to Sections 1.1 or 1.2 hereof,
Registrable Shares are included in a registration statement, then the Holder thereof shall pay all transfer taxes, if any, relating to the sale of its shares, and any underwriting discounts or commissions or the equivalent thereof applicable to the
sale of such Holder’s Registrable Shares (collectively, “Seller Expenses”). If, as a result of the withdrawal of a request for registration by the Initiating Holders pursuant to Section 1.1.5, a registration under
Section 1.1 does not become effective, upon the election of a majority-in-interest of the Initiating Holders, the Initiating Holders shall have the option of reimbursing the Company for any Registration Expenses incurred as a result of
such request pro rata on the basis of the number of their shares so included in the registration request (except for the fees of any counsel for the Holders, which shall be borne only by the persons whom such counsel represented, pro
rata on the basis of the number of their shares so included in the registration request). In the event that a withdrawal by the Initiating Holders is based on material adverse information relating to the Company that is different from the
information known or available to the Initiating Holders at the time of their request for registration under Section 1.1.1, any Registration Expenses relating to such registration shall be borne by the Company. 

 

	 	1.6.2.	Company Expenses 

 Except for Seller Expenses, the Company shall pay all expenses
(“Registration Expenses”) incident to the registration of shares by the Company and any Holders pursuant to Sections 1.1 and 1.2 hereof, and to the Company’s performance of or compliance with this Agreement in
connection therewith, including, without limitation, all registration and filing fees, fees and expenses of compliance with securities or blue sky laws, underwriting discounts (with respect to shares sold for the Company’s account), fees and
expenses, printing expenses, messenger and delivery expenses, and reasonable fees and expenses of counsel for the Company and a single counsel for all Holders selling shares and all independent certified public accountants and other persons retained
by the Company in connection therewith. 
  

	 	1.6.3.	Indemnity and Contribution 

 (a) In the event that any shares owned by a Holder are
proposed to be offered by means of a registration statement pursuant to Section 1.1 or 1.2 hereof, to the extent permitted by law, the Company agrees to indemnify and hold harmless such Holder, any underwriter participating in
such offering, each officer, partner, manager and director of such Holder or 

  
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underwriter, each other Person, if any, who Controls or may Control such Holder or underwriter and each representative of any Holder serving on the Board of Directors of the Company (such Holder
or underwriter, its officers, partners, managers directors and representatives, and such other Persons being hereinafter referred to individually as an “Investor Indemnified Person” and collectively as “Investor Indemnified
Persons”) from and against all demands, claims, actions or causes of action, assessments, losses, damages, liabilities, costs, and expenses, including, without limitation, interest, penalties, and attorneys’ fees and disbursements,
asserted against, resulting to, imposed upon or incurred by such Investor Indemnified Person, directly or indirectly (hereinafter referred to in this Section 1.6.3 in the singular as a “claim” and in the plural as
“claims”), based upon, arising out of or resulting from any breach of a representation or warranty made by the Company in any underwriting agreement or any untrue statement (or alleged untrue statement) of a material fact contained
in a registration statement, prospectus, offering circular or other document to which such registration relates or any omission (or alleged omission) to state therein a material fact necessary to make the statements made therein not misleading in
light of the circumstances in which such statements are made, except insofar as such claim is based upon, arises out of or results from information furnished to the Company in writing by such Investor Indemnified Person specifically for use in the
registration statement, prospectus, offering circular or other document to which such registration relates. 
 (b) Each Holder shall, if
securities held by him, her or it are included among the securities as to which such registration, qualification or compliance is being effected, indemnify the Company, any underwriter participating in such offering, each officer, partner, manager
and director of the Company or such underwriter, and each other Person, if any, who Controls or may Control the Company or such underwriter (the Company or such underwriter, its officers, partners, managers and directors and such other Persons being
hereinafter referred to individually as a “Company Indemnified Person” and collectively as “Company Indemnified Persons”) against all claims, losses, damages and liabilities (or actions in respect thereof) arising
out of or based on any untrue statement (or alleged untrue statement) of a material fact contained in a registration statement, prospectus, offering circular or other document to which such registration relates, or any omission (or alleged omission)
to state therein a material fact necessary to make the statements made therein not misleading in light of the circumstances in which such statements are made, in each case to the extent, but only to the extent, that such untrue statement (or alleged
untrue statement) or omission (or alleged omission) is made in such registration statement, prospectus, offering circular or other document in reliance upon and in conformity with written information furnished to the Company by such Holder
specifically for use therein; provided, however, that the obligations of such Holder hereunder shall be limited to an amount equal to the net proceeds to such Holder of securities sold in such offering as contemplated herein. 

(c) The indemnification provisions set forth herein shall be in addition to any liability that the Company or any Holder may otherwise have to
the Investor Indemnified Persons or the Company Indemnified Persons. The Company Indemnified Persons and the Investor Indemnified Persons are hereinafter referred to as “Indemnified Persons.” Promptly after receiving notice of any
claim in respect of which an Indemnified Person may seek indemnification under this Section 1.6.3, such Indemnified Person shall submit written notice thereof to either the Company or the Holders, as the case may be (sometimes being
hereinafter 

  
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referred to as an “Indemnifying Person”). The failure of the Indemnified Person to so notify the Indemnifying Person of any such claim shall not relieve the Indemnifying Person
from any liability it may have hereunder except to the extent that (a) such liability was caused or increased by such failure, or (b) the ability of the Indemnifying Person to reduce such liability was materially adversely affected by such
failure. In addition, the failure of the Indemnified Person so to notify the Indemnifying Person of any such claim shall not relieve the Indemnifying Person from any liability it may have otherwise than hereunder. The Indemnifying Person shall have
the right to undertake, by counsel or representatives of its own choosing, the defense, compromise or settlement (without admitting liability of the Indemnified Person) of any such claim asserted, such defense, compromise or settlement to be
undertaken at the expense of the Indemnifying Person, and the Indemnified Person shall have the right to engage separate counsel, at its own expense, whom counsel for the Indemnifying Person shall keep informed and consult with in a reasonable
manner; provided, however, that the Indemnified Person shall have the right to retain one separate counsel, with the fees and expenses to be paid by the Indemnifying Person, if representation of such Indemnified Person by the counsel retained by the
Indemnifying Person would be inappropriate due to actual or potential differing interests between such Indemnified Person and any other party represented by such counsel in such proceeding. In the event the Indemnifying Person shall elect not to
undertake such defense by its own representatives, the Indemnifying Person shall give prompt written notice of such election to the Indemnified Person, and the Indemnified Person shall undertake the defense, compromise or settlement (without
admitting liability of the Indemnifying Person) thereof on behalf of and for the account of the Indemnifying Person by counsel or other representatives designated by the Indemnified Person, with the reasonable fees and expenses of such counsel to be
paid by the Indemnifying Person. Notwithstanding the foregoing, no Indemnifying Person shall be obligated hereunder with respect to amounts paid in settlement of any claim if such settlement is effected without the consent of such Indemnifying
Person (such consent not to be unreasonably withheld). 
 (d) If the indemnification provided for in this Section 1.6 is held by
a court of competent jurisdiction to be unavailable to an Indemnified Person, then the Indemnifying Person, in lieu of indemnifying such Indemnified Person hereunder, shall contribute to the amount paid or payable by such Indemnified Person as a
result of any claims in such proportion as is appropriate to reflect the relative fault of the Indemnified Person on the one hand and the Indemnifying Person on the other in connection with the statements or omissions (or alleged statements or
omissions) that resulted in such claims as well as any other relevant equitable considerations. The relative fault of the Indemnified Person and the Indemnifying Person shall be determined by reference to, among other things, whether the untrue or
alleged untrue statement of a material fact or the omission or alleged omission to state a material fact relates to information supplied by the Indemnifying Person or by the Indemnified Person and the parties’ relative intent, knowledge and
access to information and opportunity to correct or prevent such statement or omission (or alleged statement or omission). In no event will the liability of any Holder for contribution exceed the net proceeds received by such Holder in any sale of
securities to which such liability relates. 

  
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	 	1.7.	Grant and Transfer of Registration Rights 

 (a) Except for registration rights granted by
the Company after the date hereof which are expressly subordinate to the rights of the Holders hereunder, the Company shall not grant any registration rights to any other Person without the prior written consent of a majority-in-interest of the
Holders hereunder. 
 (b) Holders shall have the right to transfer or assign the rights contained in this Agreement to any transferee
acquiring the Registrable Shares held by such Holder, provided, that (x) such transfer is permitted by the terms of the Investor’s limited liability company operating agreement then in effect, if applicable, (y) such transfer
is permitted by the terms of any stockholder or other similar agreement then in effect to which such Holder is a party; provided, further, in each case, that (a) the Company is, within a reasonable time after such transfer,
furnished with written notice of the name and address of such transferee or assignee and the shares of Common Stock with respect to which such registration rights are being assigned; and (b) such transferee or assignee agrees in writing to be
bound by and subject to the terms and conditions of this Agreement by executing a counterpart to this Agreement. 
  

	 	1.8.	Information from Holder 

 It shall be a condition precedent to the obligations of the
Company to take any action pursuant to this Section 1 with respect to the Registrable Shares of any selling Holder that such Holder shall furnish to the Company such information regarding itself, the Registrable Shares held by it, and
the intended method of disposition of such securities as shall be reasonably requested by the Company to effect the registration of such Holder’s Registrable Shares. 
  

	 	1.9	Reports Under the Exchange Act 

 With a view to making available to the Holders the
benefits of Rule 144 under the Securities Act and any other rule or regulation of the SEC that may at any time permit a Holder to sell securities of the Company to the public without registration or pursuant to a registration on Form S-3, the
Company shall: 
 (a) make and keep available adequate current public information, as those terms are understood and defined in Rule 144
under the Securities Act, at all times after the effective date of the registration statement filed by the Company for an IPO; 
 (b) use
commercially reasonable efforts to file with the SEC in a timely manner all reports and other documents required of the Company under the Securities Act and the Exchange Act (at any time after the Company has become subject to such reporting
requirements); and 
 (c) furnish to any Holder, so long as the Holder owns any Registrable Shares, forthwith upon request (i) to the
extent accurate, a written statement by the Company that it has complied with the reporting requirements of Rule 144 under the Securities Act (at any time after ninety (90) days after the effective date of the registration statement filed by
the Company for the IPO), the Securities Act, and the Exchange Act (at any time after the Company has become 

  
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subject to such reporting requirements), or that it qualifies as a registrant whose securities may be resold pursuant to Form S-3 (at any time after the Company so qualifies); (ii) a copy of
the most recent annual or quarterly report of the Company and such other reports and documents so filed by the Company; and (iii) such other information as may be reasonably requested in availing any Holder of any rule or regulation of the SEC
that permits the selling of any such securities without registration (at any time after the Company has become subject to the reporting requirements under the Exchange Act) or pursuant to Form S-3 (at any time after the Company so qualifies to use
such form). 
  

	 	1.10	Changes in Common Stock 

 If, and as often as, there is any change in the Common Stock by
way of a stock split, stock dividend, combination or reclassification, or through a merger, consolidation, reorganization or recapitalization, or by any other means, appropriate adjustment shall be made in the provisions hereof so that the rights
and privileges granted hereby shall continue with respect to the Common Stock as so changed. 
  

	2.	DEFINITIONS 

 The capitalized terms contained in this Agreement shall have the following
meanings unless otherwise specifically defined: 
 “Business Day” means Monday through Friday and shall exclude any federal
or bank holidays observed in New York City. 
 “Common Stock” means the common stock of the Company, $1.00 par value per
share. 
 “Control” means possession, directly or indirectly, of power to direct or cause the direction of management or
policies (whether through ownership of voting securities, by agreement or otherwise). 
 “Equity Securities” means the
Common Stock and any warrants or other rights to subscribe for or to purchase, or any options for the purchase of, Common Stock, any stock or security convertible into or exchangeable for Common Stock or any other stock, security or interest in the
Company whether or not convertible into or exchangeable for Common Stock. 
 “Exchange Act” means the Securities Exchange
Act of 1934, as amended. 
 “Initiating Holders” means a Holder or Holders who in the aggregate own at least fifty percent
(50%) of the Registrable Shares. 
 “IPO” means the first public offering of the Company’s Common Stock
registered under the Securities Act. 

  
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 “Majority-in-Interest” with respect to any group of Persons described herein
means the holders of a majority of the Registrable Shares held by such group of Persons. 
 “Other Shareholders” means
persons other than Holders who, by virtue of agreements with the Company, are entitled to include their securities in a registration effected pursuant to this Agreement. 

“Person” means any individual, partnership, joint venture, corporation, trust, unincorporated organization, government or
department or agency of a government. 
 “Registrable Shares” means (i) shares of Common Stock purchased by the
Investor pursuant to the Purchase Agreement, (ii) at the Investor’s election, in its sole discretion, any shares of Common Stock issued, or issuable upon conversion of any other Equity Securities, by the Company to the Investor other than
pursuant to the Purchase Agreement and (iii) any equity securities issued with respect to or in exchange for or in replacement for any of the shares referred to in clauses (i) or (ii); provided, however, that Registrable Shares shall not
include any securities that have been previously sold pursuant to a registration statement filed under the Securities Act or under Rule 144 promulgated under the Securities Act, or which have otherwise been transferred in a transaction in which the
transferor’s rights under this Agreement are not assigned. 
 “SEC” means the United States Securities and Exchange
Commission. 
 “Securities Act” means the Securities Act of 1933, as amended. 

 

	3.	MISCELLANEOUS 

  

	 	3.1.	Entire Agreement; Amendment 

 This Agreement constitutes the entire agreement
among the parties hereto with respect to the matters provided for herein, and it supersedes all prior oral or written agreements, commitments or understandings with respect to the matters provided for herein between or among such parties. Subject to
the provisions of Section 1.7 hereof, this Agreement may be amended or modified in any respect, or any term hereof waived, with the written consent of a majority-in-interest of the Holders and the Company. 

 

	 	3.2.	Waiver 

 No delay or failure on the part of any party hereto in exercising any right,
power or privilege under this Agreement or under any other instruments given in connection with or pursuant to this Agreement shall impair any such right, power or privilege or be construed as a waiver of any such right, power or privilege. No
single or partial exercise of any such right, power or privilege shall preclude the further exercise of such right, power or privilege, or the exercise of any other right, power or privilege. 

  
 12 

	 	3.3.	Termination 

 This Agreement shall forthwith become wholly void and of no effect as to
any Holder (including any assignee of Holder), at such time as such person no longer owns any securities constituting Registrable Shares. 
  

	 	3.4.	Binding Effect 

 This Agreement shall be binding upon and shall inure to the benefit
of the parties hereto and their respective successors, heirs, executors, administrators, legal representatives and permitted assigns, including any successor corporation upon a reincorporation of the Company into another jurisdiction. 

 

	 	3.5.	Governing Law 

 This Agreement, the rights and obligations of the parties hereto,
and any claims or disputes relating thereto, shall be governed by and construed in accordance with the laws of the State of Alabama (excluding the choice of law rules thereof). 

 

	 	3.6.	Notices 

 All notices, demands, requests, or other communications which may be or are
required to be given, served, or sent by any party to any other party pursuant to this Agreement shall be in writing and shall be hand-delivered, sent by overnight courier service, faxed or mailed by first-class, registered or certified mail,
postage prepaid, return receipt requested, addressed as follows: 
  

	 	(i)	If to the Company: 

 Americus Financial Services, Inc. 

5 Inverness Center Parkway 

Birmingham, Alabama 35242 
  

	 	(ii)	If to the Investor: 

 Charles Investment Group, LLC 

56 Country Club Boulevard 

Birmingham, Alabama 35213 
  

	 	(iii)	If to any Holder, such Holder’s address as appearing on Exhibit A hereto. 

 Each party may
designate by notice in writing (given in accordance with the terms hereof) a new address to which any notice, demand, request or communication may thereafter be so given, served or sent. Each notice, demand, request, or communication which shall be
hand-delivered, sent by facsimile or mailed in the manner described above, shall be deemed sufficiently given, served, sent, received or delivered for all purposes at such time as it is delivered to the addressee (with the return receipt, the
delivery receipt or a facsimile confirmation being deemed conclusive, but not exclusive, evidence of such delivery) or at such time as delivery is refused by the addressee upon presentation. 

  
 13 

	 	3.7.	Execution in Counterparts 

 To facilitate execution, this Agreement may be
executed in as many counterparts as may be required; and it shall not be necessary that the signatures of, or on behalf of, each party, or that the signatures of all persons required to bind any party, appear on each counterpart; but it shall be
sufficient that the signature of, or on behalf of, each party, or that the signatures of the persons required to bind any party, appear on one or more of the counterparts. All counterparts shall collectively constitute a single agreement. It shall
not be necessary in making proof of this Agreement to produce or account for more than one of the counterparts of this Agreement containing the respective signatures of, or on behalf of, all of the parties hereto. 

[Signatures appear on following page] 

  
 14 

 IN WITNESS WHEREOF, the undersigned have duly executed this Registration Rights Agreement, or
have caused this Registration Rights Agreement to be duly executed on their behalf, as of the day and year first hereinabove set forth. 
  

			
	AMERICUS FINANCIAL SERVICES, INC.
		
	By:	 	 /s/ Paul Z. Rogers

			
	Name:	 	Paul Z. Rogers

 
			
	Title:	 	President

  

			
	CHARLES INVESTMENT GROUP, LLC
		
	By:	 	 /s/ John H. Holcomb, III

			
	Name:	 	John H. Holcomb, III

 
			
	Title:	 	Manager

  
 15EX-4.3

 Exhibit 4.3 

REGISTRATION RIGHTS AGREEMENT 

THIS REGISTRATION RIGHTS AGREEMENT (this “Agreement”) is entered into as of August 15, 2008 by and between
AMERICUS FINANCIAL SERVICES, INC., an Alabama corporation (the “Company”) and RMB HOLDINGS, LLC, an Alabama limited liability company (the
“Investor”). The Investor, together with any other Persons who shall be valid transferees of Registrable Securities (as hereinafter defined) and execute a counterpart hereto pursuant to the provisions of, and subject to the
restrictions and rights set forth in, this Agreement, are referred to herein collectively as the “Holders” and individually as a “Holder.” 

WHEREAS, concurrently with the execution of this Agreement, the Company and the Investor are entering into that certain Stock Purchase
Agreement (the “Purchase Agreement”) providing for the purchase and sale of shares of the Company’s common stock to the Investor (the “Stock Purchase”); and 

WHEREAS, in connection with the Purchase Agreement, on even date herewith the Company has issued the Investor and ATB Management, LLC warrants
(the “Warrants”) to purchase shares of the Company’s common stock pursuant to the Purchase Agreement; and 
 WHEREAS,
as a material condition to the execution and delivery of the Purchase Agreement, the parties have agreed to enter into this Agreement in order to provide the Investor with certain rights with respect to the registration of the resale of the common
stock acquired in the Stock Purchase and the common stock underlying the Warrants; and 
 WHEREAS, capitalized terms used in this Agreement
shall have the meanings ascribed to them in Article 2 hereof. 
 NOW, THEREFORE, for and in consideration of the foregoing and of the
mutual covenants and agreements hereinafter set forth, the parties hereto agree as follows: 
  

	1.	REGISTRATION RIGHTS 

  

	 	1.1	Demand Registration Rights 

  

	 	1.1.1	Request 

 Subject to the terms and conditions hereinafter set forth, at any time
beginning on the 180th day following an IPO and ending on the fifth anniversary of the closing of such IPO (the “Demand Period”), Initiating Holders may request registration for sale
under the Act of all or part of the Registrable Securities then held by them, and upon such request the Company will promptly take the actions specified in Section 1.1.2. The Company shall not be obligated to effect more than two
(2) registrations in total requested by the Initiating Holders under Section 1.1.1 or more than one (1) registration under Section 1.1.1 or Section 1.3 in any consecutive six-month period; provided,
however, that, subject to Section 1.1.5, no registration shall be deemed satisfied until a registration statement covering all of the Registrable Securities specified in notices received as aforesaid has become and remained effective for
a period of ninety (90) days. 
  

	 	1.1.2.	Demand Procedures 

 Within ten (10) Business Days after receipt by the Company of a
written registration request under Section 1.1.1 (which request shall specify the number of Registrable Securities proposed to be registered and sold and the manner in which such sale is proposed to be effected), the Company shall

 
promptly give written notice to all other Holders of the proposed registration, and such other Holders shall have the right to join in the proposed registration and sale, upon written request to
the Company (which request shall specify the number of Registrable Securities proposed to be registered and sold) within ten (10) Business Days after receipt of such notice from the Company. Subject to the provisions of
Section 1.1.4, the proposed registration and sale may include securities offered by the Company for its own account and/or other securities of the Company that are held by Other Shareholders, if any. The Company shall thereafter, as
expeditiously as practicable, (i) file with the SEC under the Act a registration statement on an appropriate form concerning all Registrable Securities specified in the demand request and all Registrable Securities or other securities of the
Company with respect to which the Company has received the written request from the other Holders or Other Shareholders, as the case may be, and (ii) use its commercially reasonable efforts to cause the registration statement to be declared
effective. At the request of a majority-in-interest of the Initiating Holders, the Company shall cause each offering pursuant to Section 1.1.1 to be managed, on a firm commitment basis, by a recognized regional or national underwriter
selected by a majority-in-interest of the Initiating Holders and approved by the Company, such approval not to be unreasonably withheld, and the Company shall enter into an underwriting agreement in customary form and containing customary terms
reasonably acceptable to a majority-in-interest of the Initiating Holders with the underwriter or underwriters selected for such underwriting. All Holders and Other Shareholders intending to participate in such proposed registration must agree to
distribute their securities through such underwriting and shall be required to enter into an underwriting agreement in customary form. 
  

	 	1.1.3.	Delay by Company 

 The Company shall not be required to effect a demand registration
under the Act pursuant to Section 1.1.1 or Section 1.3 hereof if (i) the Company receives a request for registration under Section 1.1.1 or Section 1.3 less than ninety (90) days preceding
the anticipated effective date of a proposed underwritten public offering of securities of the Company approved by the Company’s Board of Directors prior to the Company’s receipt of the request and, in such event, the Company shall not be
required to effect any such requested registration until one hundred twenty (120) days after the effective date of the registration statement relating to such proposed underwritten public offering, provided that the Company makes commercially
reasonable efforts to cause the registration statement relating to such underwritten public offering to be declared effective; (ii) within ninety (90) days prior to any such request for registration, a registration of securities of the
Company has been effected in which the Holders had the right to participate pursuant to this Section 1.1 or Section 1.2 hereof; or (iii) the Board of Directors of the Company reasonably determines in good faith that
effecting such a demand registration at such time would be seriously detrimental to the Company (and the Chief Executive Officer of the Company provides a signed certificate to that effect to the Holders) because it would (a) necessitate the
untimely disclosure of a proposed business combination or other currently proposed transaction or (b) require premature disclosure of material information that the Company has a bona fide business purpose for preserving as confidential;
provided, however, that the Company may only delay a demand registration pursuant to clause (iii) of this Section 1.1.3 for a period not exceeding ninety (90) days (or until such earlier time as such transaction is consummated
or no longer proposed) and may only defer any such filing pursuant to this Section 1.1.3 once per calendar year. The Company shall promptly notify in writing the Holders requesting registration of any decision not to effect any such
request for registration pursuant to this Section 1.1.3, which notice shall set forth in reasonable detail the reason for such decision and shall include an undertaking by the Company promptly to notify such Holders as soon as a demand
registration may be effected. 

  
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	 	1.1.4.	Reduction 

 If a registration initiated by any Initiating Holders pursuant to Section 1.1.1
or Section 1.3 is an underwritten registration and the managing underwriters advise the Company and the Holders and any Other Shareholders participating in the registration that in their opinion due to marketing factors the number of
shares of Common Stock requested to be included in such registration exceeds the number which can reasonably be expected to be sold in such offering at a price and on other terms acceptable to the Initiating Holders, then the amount of such shares
that may be included in such registration shall be allocated as follows: (i) first, the shares proposed to be sold by Other Shareholders with Existing Rights shall be included in such registration in accordance with the terms of such other
agreements as exist between the Company and such Other Shareholders as of the date hereof with respect to the registration of their shares of Common Stock, (ii) second, the Registrable Securities proposed to be sold by the Initiating Holders
exercising rights under Section 1.1.1 and any other Holders proposing to sell Registrable Securities pursuant to such registration in accordance with the terms hereof shall be included in such registration and, if all such Registrable
Securities cannot be included in such registration due to marketing factors, the amount of Registrable Securities to be included in such registration by all such Initiating Holders and any other Holders proposing to sell Registrable Securities
pursuant to such registration shall be allocated pro rata among such Initiating Holders and other Holders in proportion to the number of Registrable Securities owned by them, (iii) third, the shares proposed to be sold by the Company shall be
included in such registration, and (iv) fourth, the shares proposed to be sold by Other Shareholders without Existing Rights shall be included in such registration and, if all such shares cannot be included in such registration due to marketing
factors, the amount of shares to be included in such registration by all such Other Shareholders shall be allocated amongst such Other Shareholders in accordance with the terms of such other agreements as may exist between the Company and such Other
Shareholders with respect to the registration of their shares of Common Stock, or if no such other agreements shall exist, pro rata among such Other Shareholders in proportion to the number of shares of Common Stock (calculated on an as-converted to
Common Stock basis) owned by them. 
  

	 	1.1.5.	Withdrawal 

 Any Holder participating in any demand registration pursuant to this
Section 1.1 may withdraw such Holder’s shares from such registration at any time before a registration statement is declared effective, and the Company may withdraw such registration statement if no Registrable Securities are then
proposed to be included. Upon the request of a majority-in-interest of the Initiating Holders, the Initiating Holders may withdraw their request for registration pursuant to Section 1.1.1. In the event the Company is not obligated to
effect any requested registration under Section 1.1.1 by virtue of this Section 1.1.5, such request, to the extent the Company has filed a registration statement with the SEC, shall be deemed to be a registration for purposes
of Section 1.1.1. 
  

	 	1.2.	Piggyback Registration Rights 

  

	 	1.2.1.	Request 

 If at any time or times the Company proposes to file a registration statement
covering any of its securities under the Act (whether to be sold by it or by one or more selling stockholders), other than (i) an offering pursuant to a demand registration under Section 1.1.1 hereof (in which case the Holders shall
be entitled to receive notice of, and participate in, such registration in accordance with the terms of Section 1.1 hereof) or (ii) an offering registered on Form S-8 or Form S-4, or successor forms relating to employee stock plans
and business combinations, respectively, then the Company shall, not less than ten (10) days prior to the proposed filing date of the registration statement, give written notice of the 

  
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proposed registration to all Holders specifying in reasonable detail the proposed transaction and number of securities to be covered by the registration statement and, at the written request of
any Holder delivered to the Company within ten (10) days after the giving of such notice, but subject to the terms of Section 1.2.2 below, the Company shall include in such registration and offering, and in any underwriting of such
offering, all Registrable Securities as any such Holder shall request the Company to include in such registration and offering. The Company shall have no obligation to include shares owned by any Holder in a registration statement pursuant to this
Section 1.2 unless and until such Holder, if such registration is an underwritten offering, agrees to enter into an underwriting agreement, a custody agreement and power of attorney and any other customary documents required in an
underwritten offering, all in customary form and containing customary provisions. 
  

	 	1.2.2.	Reduction 

 If a registration in which any Holder has the right or is otherwise permitted
to participate pursuant to this Section 1.2 is an underwritten registration and the managing underwriters advise the Company in writing that in their opinion due to marketing factors the number of shares of Common Stock requested to be
included in such registration exceeds the number which can reasonably be expected to be sold in such offering, the Company shall include in such registration (i) first, the shares proposed to be sold by the Company, (ii) second, the shares
proposed to be sold by Other Shareholders with Existing Rights in accordance with the terms of agreements between the Company and such Other Shareholders as of the date hereof, (iii) third, the Registrable Securities proposed to be sold by the
Holders exercising rights under Section 1.2.1 and, if all such Registrable Securities cannot be included in such registration due to marketing factors, the amount of Registrable Securities to be included in such registration by all such
Holders shall be allocated pro rata among such Holders in proportion to the number of Registrable Securities owned by them, and (iv) fourth, the shares proposed to be sold by any Other Shareholders without Existing Rights proposing to sell
shares of Common Stock pursuant to such registration and, if all such shares cannot be included in such registration due to marketing factors, the amount of shares to be included in such registration by all such Other Shareholders shall be allocated
amongst such Other Shareholders in accordance with the terms of such other agreements as may exist between the Company and such Other Shareholders with respect to the registration of their shares of Common Stock, or if no such other agreements shall
exist, pro rata among such Other Shareholders in proportion to the number of shares of Common Stock (calculated on an as-converted to Common Stock basis) owned by them. 
  

	 	1.3.	Registration on Form S-3 

 Subject to the limitations set forth in
Section 1.1.3 and the other terms and conditions hereinafter set forth, if at any time the Company is eligible to use Form S-3 (or any successor form) for secondary sales, any Holder may request, in accordance with the procedures
specified in Section 1.1, (by written notice to the Company stating the number of Registrable Securities proposed to be sold and the intended method of disposition) that the Company file a registration statement on Form S-3 (or any successor
form) for a public sale of all or any portion of the Registrable Securities beneficially owned by it, provided that the reasonably anticipated aggregate price to the public of such Registrable Securities shall be at least $1,000,000. At the written
request of the Holder requesting such registration, such registration shall be for a delayed or continuous offering under Rule 415 under the Act. Upon receiving such request, the Company shall use its commercially reasonable efforts to promptly file
a registration statement on Form S-3 (or any successor form) to register under the Act for public sale in accordance with the method of disposition specified in such request, the number of shares of Registrable Securities specified in such request
and shall otherwise carry out the actions specified in Section 1.1.2 and 1.4. There shall be no limitation on the total number of registrations on Form S-3 which may be requested and obtained under this Section 1.3;
provided, however, that the Company shall not be required to file more than two (2) registrations pursuant to this Section 1.3 with respect to any single Holder. 

  
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	 	1.4.	Registration Procedures 

 Whenever any Holder has requested that any shares be
registered pursuant to Sections 1.1, 1.2 or 1.3 hereof, the Company shall, as expeditiously as reasonably possible: 
 (1)
prepare and file with the SEC a registration statement with respect to such Registrable Securities and, unless the registration becomes automatically effective upon filing, use commercially reasonable efforts to cause such registration statement to
become effective as soon as reasonably practicable thereafter (provided that before filing a registration statement or prospectus or any amendments or supplements thereto, the Company shall, to the extent practicable, furnish such Holder with copies
of all such documents proposed to be filed); 
 (2) prepare and file with the SEC such amendments and supplements to such registration
statement and prospectus used in connection therewith as may be necessary to keep such registration statement effective for a period of not less than one-hundred eighty (180) days (or, in the case of a registration pursuant to
Section 1.3 hereof, for a period of not less than two (2) years or until such time as there are no Registrable Securities covered by the registration statement, provided that the Company shall only be required to keep such
registration statement effective for such extended period of time to the extent it is eligible to use Form S-3), or until such earlier time as such Holder has completed the distribution described in such registration statement, whichever occurs
first; 
 (3) furnish to such Holder such number of copies of such registration statement, each amendment and supplement thereto, the
prospectus included in such registration statement (including each preliminary prospectus), and such other documents as such Holder may reasonably request; 

(4) use commercially reasonable efforts to register or qualify such shares under such other securities or blue sky laws of such jurisdictions
as such Holder requests (and to maintain such registrations and qualifications effective for the applicable period of time set forth in Section 1.4(2) hereof), and to do any and all other acts and things which may be necessary or
advisable to enable such Holder to consummate the disposition in such jurisdictions of such shares (provided that the Company will not be required to (i) qualify generally to do business in any jurisdiction where it would not be required but
for this subsection (4), (ii) subject itself to taxation in any such jurisdiction, or (iii) file any general consent to service of process in any such jurisdiction); 

(5) notify such Holder, at any time when a prospectus relating thereto is required to be delivered under the Act within the period that the
Company is required to keep the registration statement effective, of the happening of any event as a result of which the prospectus included in any such registration statement contains an untrue statement of a material fact or omits to state a
material fact necessary to make the statements therein not misleading in light of the circumstances then existing, and the Company shall use commercially reasonable efforts to prepare, file and furnish to such Holder a supplement or amendment to
such prospectus so that, as thereafter delivered to the purchasers of such shares, such prospectus will not contain an untrue statement of a material fact or omit to state a material fact necessary to make the statements therein not misleading in
light of the circumstances then existing; 
 (6) cause all such shares to be listed on national securities exchanges (or national quotation
systems), if any, on which similar securities issued by the Company are then listed or quoted (or if not then listed or quoted, on such exchanges (or quotation systems) as are requested by a majority-in-interest of the participating Holders); 

 

  
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 (7) provide a transfer agent and registrar and a CUSIP number for all such shares not later than
the effective date of such registration statement; 
 (8) enter into such customary agreements and take all such other customary actions as
such Holder reasonably requests (and subject to its reasonable approval) in order to expedite or facilitate the disposition of such shares; 

(9) make available for inspection by such Holder, by any underwriter participating in any distribution pursuant to such registration
statement, and by any attorney, accountant or other agent retained by such Holder or by any such underwriter, all financial and other records, pertinent corporate documents, and properties (other than confidential intellectual property) of the
Company; and 
 (10) in connection with any underwritten offering pursuant to a registration statement filed pursuant to Sections 1.1 or
1.3 hereof, enter into an underwriting agreement in customary form and containing reasonable customary provisions, including provisions for indemnification of underwriters and contribution, if so requested by any underwriter. 

 

	 	1.5.	Holdback Agreements 

 (a) Notwithstanding anything in this Agreement to the
contrary, if, after any registration statement to which the rights hereunder apply becomes effective (and prior to completion of any sales thereunder), the Company’s Board of Directors determines in good faith that the failure of the Company to
(i) suspend sales of stock under the registration statement or (ii) amend or supplement the registration statement would be seriously detrimental to the Company as described in Section 1.1.3 hereof, the Company shall so notify
each Holder participating in such registration and each Holder shall suspend any further sales under such registration statement until the Company advises such Holder that the registration statement has been amended or that conditions no longer
exist which would require such suspension, provided that (x) the Company may impose any such suspension for no more than ninety (90) days (inclusive of any days for which a registration request has been delayed pursuant to
Section 1.1.3 during the past twelve months) and no more than once during any twelve month period and (y) the Company shall use commercially reasonable efforts to amend the registration statement or otherwise take action to permit
sales thereunder as soon as practicable. 
 (b) In the event that the Company effects a registration of any securities under the Act in an
underwritten public offering, each Holder agrees not to effect any sale, including any sale pursuant to Rule 144 under the Act, of any Equity Securities (except as part of such offering) during the 180-day period commencing with the effective
date of the registration statement for the IPO and the 90-day period commencing with the effective date of the registration statement for any subsequent public offering, provided that all holders of one percent (1%) or more of the
Company’s outstanding Equity Securities, and all officers and directors of the Company, to the extent that they hold Equity Securities, enter into similar agreements providing for similar restrictions on sales; provided further, however, that
the agreement set forth in this Section 1.5(b) shall terminate and be of no further force or effect with respect to all Holders if any holder of one percent (1%) or more of the Company’s outstanding Equity Securities, any
officer or director of the Company that has executed a similar agreement or any Holder hereunder shall have received a waiver relieving it of its obligations hereunder or under any such similar agreement. The Company can impose stop-transfer
instructions to enforce the provisions of this Section 1.5(b). 

  
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	 	1.6.	Registration Expenses 

  

	 	1.6.1.	Holder Expenses 

 If, pursuant to Sections 1.1, 1.2 or 1.3 hereof,
Registrable Securities are included in a registration statement, then the Holder thereof shall pay all transfer taxes, if any, relating to the sale of its shares, and any underwriting discounts or commissions or the equivalent thereof applicable to
the sale of its shares (collectively, “Seller Expenses”). If, as a result of the withdrawal of a request for registration by the Initiating Holders pursuant to Section 1.1.5, a registration under
Section 1.1.1 does not become effective, upon the election of a majority-in-interest of the Initiating Holders, the Initiating Holders shall have the option of reimbursing the Company for any Registration Expenses incurred as a result of
such request pro rata on the basis of the number of their shares so included in the registration request (except for the fees of any counsel for the Holders, which shall be borne only by the persons whom such counsel represented, pro
rata on the basis of the number of their shares so included in the registration request), in which case such registration shall not be counted as a registration pursuant to Section 1.1.1 (notwithstanding Section 1.1.5).
In the event that a withdrawal by the Initiating Holders is based on material adverse information relating to the Company that is different from the information known or available to the Initiating Holders at the time of their request for
registration under Section 1.1.1, any Registration Expenses relating to such registration shall be borne by the Company and such registration shall not be counted as a registration pursuant to Section 1.1.1. 

 

	 	1.6.2.	Company Expenses 

 Except for Seller Expenses, the Company shall pay all expenses
(“Registration Expenses”) incident to the registration of shares by the Company and any Holders pursuant to Sections 1.1, 1.2 and 1.3, and to the Company’s performance of or compliance with this Agreement in
connection therewith, including, without limitation, all registration and filing fees, fees and expenses of compliance with securities or blue sky laws, underwriting discounts (with respect to shares sold for the Company’s account), fees and
expenses, printing expenses, messenger and delivery expenses, and reasonable fees and expenses of counsel for the Company and a single counsel for all Holders selling shares and all independent certified public accountants and other persons retained
by the Company in connection therewith. 
  

	 	1.6.3.	Indemnity and Contribution 

 (a) In the event that any shares owned by a Holder are
proposed to be offered by means of a registration statement pursuant to Section 1.1, 1.2 or 1.3 hereof, to the extent permitted by law, the Company agrees to indemnify and hold harmless such Holder, any underwriter participating
in such offering, each officer, partner, manager and director of such Holder or underwriter, each other Person, if any, who Controls or may Control such Holder or underwriter and each representative of any Holder serving on the Board of Directors of
the Company (such Holder or underwriter, its officers, partners, managers directors and representatives, and such other Persons being hereinafter referred to individually as an “Investor Indemnified Person” and collectively as
“Investor Indemnified Persons”) from and against all demands, claims, actions or causes of action, assessments, losses, damages, liabilities, costs, and expenses, including, without limitation, interest, penalties, and
attorneys’ fees and disbursements, asserted against, resulting to, imposed upon or incurred by such Investor Indemnified Person, directly or indirectly (hereinafter referred to in this Section 1.6.3 in the singular as a
“claim” and in the plural as “claims”), based upon, arising out of or resulting from any breach of a representation or warranty made by the Company in any underwriting agreement or any untrue statement (or alleged
untrue statement) of a material fact contained in a registration statement, prospectus, offering circular or other 

  
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document to which such registration relates or any omission (or alleged omission) to state therein a material fact necessary to make the statements made therein not misleading in light of the
circumstances in which such statements are made, except insofar as such claim is based upon, arises out of or results from information furnished to the Company in writing by such Investor Indemnified Person specifically for use in the registration
statement, prospectus, offering circular or other document to which such registration relates. 
 (b) Each Holder shall, if securities held
by him, her or it are included among the securities as to which such registration, qualification or compliance is being effected, indemnify the Company, any underwriter participating in such offering, each officer, partner, manager and director of
the Company or such underwriter, and each other Person, if any, who Controls or may Control the Company or such underwriter (the Company or such underwriter, its officers, partners, managers and directors and such other Persons being hereinafter
referred to individually as a “Company Indemnified Person” and collectively as “Company Indemnified Persons”) against all claims, losses, damages and liabilities (or actions in respect thereof) arising out of or
based on any untrue statement (or alleged untrue statement) of a material fact contained in a registration statement, prospectus, offering circular or other document to which such registration relates, or any omission (or alleged omission) to state
therein a material fact necessary to make the statements made therein not misleading in light of the circumstances in which such statements are made, in each case to the extent, but only to the extent that such untrue statement (or alleged untrue
statement) or omission (or alleged omission) is made in such registration statement, prospectus, offering circular or other document in reliance upon and in conformity with written information furnished to the Company by such Holder specifically for
use therein; provided, however, that the obligations of such Holder hereunder shall be limited to an amount equal to the net proceeds to such Holder of securities sold in such offering as contemplated herein. 

(c) The indemnification provisions set forth herein shall be in addition to any liability that the Company or any Holder may otherwise have to
the Investor Indemnified Persons or the Company Indemnified Persons. The Company Indemnified Persons and the Investor Indemnified Persons are hereinafter referred to as “Indemnified Persons.” Promptly after receiving notice of any
claim in respect of which an Indemnified Person may seek indemnification under this Section 1.6.3, such Indemnified Person shall submit written notice thereof to either the Company or the Holders, as the case may be (sometimes being
hereinafter referred to as an “Indemnifying Person”). The failure of the Indemnified Person to so notify the Indemnifying Person of any such claim shall not relieve the Indemnifying Person from any liability it may have hereunder
except to the extent that (a) such liability was caused or increased by such failure, or (b) the ability of the Indemnifying Person to reduce such liability was materially adversely affected by such failure. In addition, the failure of the
Indemnified Person so to notify the Indemnifying Person of any such claim shall not relieve the Indemnifying Person from any liability it may have otherwise than hereunder. The Indemnifying Person shall have the right to undertake, by counsel or
representatives of its own choosing, the defense, compromise or settlement (without admitting liability of the Indemnified Person) of any such claim asserted, such defense, compromise or settlement to be undertaken at the expense of the Indemnifying
Person, and the Indemnified Person shall have the right to engage separate counsel, at its own expense, whom counsel for the Indemnifying Person shall keep informed and consult with in a reasonable manner; provided, however, that the Indemnified
Person shall have the right to retain one separate counsel, with the fees and expenses to be paid by the Indemnifying Person, if representation of such Indemnified Person by the counsel retained by the Indemnifying Person would be inappropriate due
to actual or potential differing interests between such Indemnified Person and any other party represented by such counsel in such proceeding. In the event the Indemnifying Person shall elect not to undertake such defense by its own representatives,
the Indemnifying Person shall give prompt written notice of such election to the Indemnified Person, and the Indemnified Person shall undertake the defense, compromise or settlement (without admitting liability of the Indemnifying Person) thereof on
behalf of and for the account of the 

  
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Indemnifying Person by counsel or other representatives designated by the Indemnified Person, with the reasonable fees and expenses of such counsel to be paid by the Indemnifying Person.
Notwithstanding the foregoing, no Indemnifying Person shall be obligated hereunder with respect to amounts paid in settlement of any claim if such settlement is effected without the consent of such Indemnifying Person (such consent not to be
unreasonably withheld). 
 (d) If the indemnification provided for in this Section 1.6 is held by a court of competent
jurisdiction to be unavailable to an Indemnified Person, then the Indemnifying Person, in lieu of indemnifying such Indemnified Person hereunder, shall contribute to the amount paid or payable by such Indemnified Person as a result of any claims in
such proportion as is appropriate to reflect the relative fault of the Indemnified Person on the one hand and the Indemnifying Person on the other in connection with the statements or omissions (or alleged statements or omissions) that resulted in
such claims as well as any other relevant equitable considerations. The relative fault of the Indemnified Person and the Indemnifying Person shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a
material fact or the omission or alleged omission to state a material fact relates to information supplied by the Indemnifying Person or by the Indemnified Person and the parties’ relative intent, knowledge and access to information and
opportunity to correct or prevent such statement or omission (or alleged statement or omission). In no event will the liability of any Holder for contribution exceed the net proceeds received by such Holder in any sale of securities to which such
liability relates. 
  

	 	1.7.	Grant and Transfer of Registration Rights 

 (a) Except for (i) registration rights
granted by the Company after the date hereof which are subordinate to the rights of the Holders hereunder and (ii) Existing Rights, the Company shall not grant any registration rights to any other Person without the prior written consent of a
majority-in-interest of the Holders hereunder. 
 (b) Holders shall have the right to transfer or assign the rights contained in this
Agreement; provided, however, that after giving effect to such transfer, such transferee shall own at least five percent (5%) of the Registrable Securities then outstanding; provided further, in each case, that (a) the Company is, within a
reasonable time after such transfer, furnished with written notice of the name and address of such transferee or assignee and the securities with respect to which such registration rights are being assigned; (b) such transferee or assignee
agrees in writing to be bound by and subject to the terms and conditions of this Agreement by executing a counterpart to this Agreement; and (c) such assignment shall be effective only if immediately following such transfer the further
disposition of such securities by the transferee or assignee is restricted under the Act. 
  

	 	1.8.	Information from Holder 

 It shall be a condition precedent to the obligations of the
Company to take any action pursuant to Sections 1, 2 or 3 with respect to the Registrable Securities of any selling Holder that such Holder shall furnish to the Company such information regarding itself, the Registrable Securities held
by it, and the intended method of disposition of such securities as shall be reasonably requested by the Company to effect the registration of such Holder’s Registrable Securities. 

 

	 	1.9	Rule 144 Requirements 

 Immediately after the date on which the first registration
statement filed by the Company under the Act becomes effective, the Company shall use commercially reasonable efforts to make publicly available, and available to the Holders, such information as is necessary to enable the Holders to make

  
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sales of Registrable Securities pursuant to Rule 144 under the Act. The Company shall furnish to any Holder, upon request, a written statement executed by the Company as to the steps it has taken
to comply with the current public information requirements of Rule 144. 
  

	 	1.10	Changes in Common Stock 

 If, and as often as, there is any change in the Common Stock by
way of a stock split, stock dividend, combination or reclassification, or through a merger, consolidation, reorganization or recapitalization, or by any other means, appropriate adjustment shall be made in the provisions hereof so that the rights
and privileges granted hereby shall continue with respect to the Common Stock as so changed. 
  

	2.	DEFINITIONS 

 The capitalized terms contained in this Agreement shall have the following
meanings unless otherwise specifically defined: 
 “Act” means the Securities Act of 1933, as amended. 

“Affiliate” means: (a) with respect to a natural person, any member of such person’s family; (b) with respect
to an entity, any officer or director of such entity or of any Affiliate of such entity; and (c) with respect to a natural person or entity, any person or entity which directly or indirectly, through one or more intermediaries, Controls, is
Controlled by, or is under common Control with such person or entity, including, without limitation, a private equity capital fund now or hereafter existing which Controls, is Controlled by or under common Control with one or more general partners
or shares the same management company. 
 “Business Day” means Monday through Friday and shall exclude any federal or bank
holidays observed in New York City. 
 “Common Stock” means the common stock of the Company, $1.00 par value per share.

 “Control” means possession, directly or indirectly, of power to direct or cause the direction of management or policies
(whether through ownership of voting securities, by agreement or otherwise). 
 “Equity Securities” means the Common Stock,
and any warrants or other rights to subscribe for or to purchase, or any options for the purchase of, Common Stock, any stock or security convertible into or exchangeable for Common Stock or any other stock, security or interest in the Company
whether or not convertible into or exchangeable for Common Stock. 
 “Existing Rights” means any piggy-back registration
rights of Other Shareholders as of the date of this Agreement. 
 “Initiating Holders” means a Holder or Holders who in the
aggregate own at least twenty-five percent (25%) of the Registrable Securities. 
 “IPO” means the first underwritten
public offering of the Company’s Common Stock registered under the Act. 
 “Majority-in-Interest” with respect to any
group of Persons described herein means the holders of a majority of the Registrable Securities held by such group of Persons. 
  

  
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 “Other Shareholders” means persons other than Holders who, by virtue of
agreements with the Company, are entitled to include their securities in a registration effected pursuant to this Agreement. 

“Person” means any individual, partnership, joint venture, corporation, trust, unincorporated organization, government or
department or agency of a government. 
 “Purchase Agreement” means that certain Stock Purchase Agreement between the
Company and the Investor dated as of the date hereof. 
 “Registrable Securities” means (i) shares of Common Stock,
(ii) the shares of Common Stock to be issued upon exercise of the Warrants, and (iii) any Equity Securities issued as a distribution with respect to or in exchange for or in replacement for any of the shares referred to in clause
(i) or (ii); provided, however, that Registrable Securities shall not include any securities that have been previously sold pursuant to a registration statement filed under the Act or under Rule 144 promulgated under the Act, or which have
otherwise been transferred in a transaction in which the transferor’s rights under this Agreement are not assigned, or, as to any Holder, all of such Holder’s shares if all of such shares are then eligible for sale in a single three-month
period under Rule 144, promulgated under the Act. 
 “SEC” means the United States Securities and Exchange Commission. 

“Warrants” means the warrants to purchase Common Stock issued to the Investor and ATB Management, LLC pursuant to the
Purchase Agreement. 
  

	3.	MISCELLANEOUS 

  

	 	3.1.	Entire Agreement; Amendment 

 This Agreement constitutes the entire agreement
among the parties hereto with respect to the matters provided for herein, and it supersedes all prior oral or written agreements, commitments or understandings with respect to the matters provided for herein between or among such parties. This
Agreement may be amended or modified in any respect, or any term hereof waived, with the written consent of a majority-in-interest of the Holders and the Company. 
  

	 	3.2.	Waiver 

 No delay or failure on the part of any party hereto in exercising any right,
power or privilege under this Agreement or under any other instruments given in connection with or pursuant to this Agreement shall impair any such right, power or privilege or be construed as a waiver of any such right, power or privilege. No
single or partial exercise of any such right, power or privilege shall preclude the further exercise of such right, power or privilege, or the exercise of any other right, power or privilege. 

 

	 	3.3.	Termination 

 This Agreement shall forthwith become wholly void and of no effect as to
any Holder (including any assignee of Holder), at such time as such person no longer owns any securities constituting Registrable Securities. 

  
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	 	3.4.	Binding Effect 

 This Agreement shall be binding upon and shall inure to the benefit
of the parties hereto and their respective successors, heirs, executors, administrators, legal representatives and permitted assigns, including any successor corporation upon a reincorporation of the Company into another jurisdiction. 

 

	 	3.5.	Governing Law 

 This Agreement, the rights and obligations of the parties hereto,
and any claims or disputes relating thereto, shall be governed by and construed in accordance with the laws of the State of Alabama (excluding the choice of law rules thereof). 

 

	 	3.6.	Notices 

 All notices, demands, requests, or other communications which may be or are
required to be given, served, or sent by any party to any other party pursuant to this Agreement shall be in writing and shall be hand-delivered, sent by overnight courier service, faxed or mailed by first-class, registered or certified mail,
postage prepaid, return receipt requested, addressed as follows: 
  

	 	(i)	If to the Company: 

 Americus Financial Services, Inc. 

5 Inverness Center Parkway 

Birmingham, Alabama 35242 

Attention: Chief Executive Officer 

with a copy (which shall not constitute notice) to: 

Balch & Bingham, LLP 

1901 Sixth Avenue North, Suite 1500 

Birmingham, Alabama 35203 

Attention: Mike Waters 
  

	 	(ii)	If to the Investor: 

 RMB Holdings, LLC 

2000 Morris Avenue, Suite 1200 

Birmingham, Alabama 35203 

Attention: Manager 
 with a copy
(which shall not constitute notice) to: 
 Maynard, Cooper & Gale, P.C. 

1901 Sixth Avenue North 
 2400
Regions/Harbert Plaza 
 Birmingham, Alabama 35203 

Attention: John Dulin 
 Each
party may designate by notice in writing (given in accordance with the terms hereof) a new address to which any notice, demand, request or communication may thereafter be so given, served or sent. Each notice, demand, request, or communication which
shall be hand-delivered, sent by facsimile or 

  
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mailed in the manner described above, shall be deemed sufficiently given, served, sent, received or delivered for all purposes at such time as it is delivered to the addressee (with the return
receipt, the delivery receipt or a facsimile confirmation being deemed conclusive, but not exclusive, evidence of such delivery) or at such time as delivery is refused by the addressee upon presentation. 

 

	 	3.7.	Execution in Counterparts 

 To facilitate execution, this Agreement may be executed in as
many counterparts as may be required; and it shall not be necessary that the signatures of, or on behalf of, each party, or that the signatures of all persons required to bind any party, appear on each counterpart; but it shall be sufficient that
the signature of, or on behalf of, each party, or that the signatures of the persons required to bind any party, appear on one or more of the counterparts. All counterparts shall collectively constitute a single agreement. It shall not be necessary
in making proof of this Agreement to produce or account for more than one of the counterparts of this Agreement containing the respective signatures of, or on behalf of, all of the parties hereto. 

 

	 	3.8.	Condition Precedent 

 The respective rights and obligations of the parties under this
Agreement are subject to, and contingent upon, the consummation of the Stock Purchase provided for in the Purchase Agreement. If the Purchase Agreement is terminated prior to the Closing Date (as defined in the Purchase Agreement), then this
Agreement shall simultaneously terminate without any further action on the part of the parties hereto. 
 [Signatures Appear on Following
Page] 

  
 - 13 - 

 IN WITNESS WHEREOF, the undersigned have duly executed this Registration Rights Agreement, or
have caused this Registration Rights Agreement to be duly executed on their behalf, as of the day and year first hereinabove set forth. 
  

			
	AMERICUS FINANCIAL SERVICES, INC.
		
	By:	 	 /s/ Michael R. Washburn

	Name:	 	Michael R. Washburn
	Title:	 	President/CEO

  

					
	RMB HOLDINGS, LLC	 	
	
	By: ATB Management, LLC
	Its: Manager	 	

  

					
		 	 By:
	 	 /s/ William K. Nicrosi, II

					
		 	 Name:
	 	 William K. Nicrosi, II

 
					
		 	 Its:
	 	 Authorized Person

  
 - 14 -

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