·erase·...If printing this list, you may need to adjust your page setup in MS Excel. Try usinc landscape orientation, page scalin1, and/or legal sized paper. Submission Procedure

FR Y-6 OMB Number 7100-0297 Approval expires September 30 2018 Page 1 of 2

Board of Governors of the Federal Reserve System

Report at the close of business as of the end of fiscal year

This Report is required by law Section 5(c)(1 )(A) of the Bank Holding Company Act (12 USC sect 1844 (c)(1)(A)) Section 8(a) of the International Banking Act (12 USC sect 3106(a)) Sections 11 (a)(1 ) 25 and 25A of the Federal Reserve Act (12 USC sectsect 248(a)(1) 602 and 611a) Section 211 13(c) of Regulation K (1 2 CFR sect 211 13(c)) and Section 2255(b) of Regulation Y (12 CFR sect 2255(b)) and section 1 O(c)(2)(H) of the Home Owners Loan Act Return to the appropriate Pederal Reserve Bank the original and the number of copies specified

This report form is to be filed by all top-tier bank holding compashynies and top-tier savings and loan holding companies organized under US law and by any foreign banking organization that does not meet the requ irements of and is not treated as a qualifyshying foreign banking organization under Section 211 23 of Regulation K (12 CFR sect 211 23) (See page one of the general instructions for more detail of who must file ) The Federal Reserve may not conduct or sponsor and an organization (or a person) is not required to respond to an information collection unless it displays a currently valid OMB control number

NOTE The Annual Report of Holding Companies must be signed by one director of the top-tier holding company This individual should also be a senior official of the top-tier holding company In the event that the top-tier holding company does not have an individual who is a senior official and is also a director the chairshyman of the board must sign the report

1 Ansel P Clark Name of the Holding Company Director and Official

President amp CEO Director Title of the Holding Company Director and Official

attest that the Annual Report of Holding Companies (including the supporting attachments) for this report date has been preshypared in conformance with the instructions issued by the Federal Reserve System and are true and correct to the best of my knowledge and belief

With respect to information regarding individuals contained in this report the Reporter certifies that it has the authority to provide this information to the Federal Reserve The Reporter also certifies that it has the authority on behalf of each individual to consent or object to public release of information regarding that individual The Federal Reserve may assume in the absence of a request for confidential treatment submitted in accordance with the Boards Rules Regarding Availability of Information 12 CFR Part 261 that the ReP er and individual consent to public release of all details in t r art con er middot individual

Date of Signature

For holding companies fil21 registered with the SEC-Indicate status of Annual Report to Shareholders

D is included with the FR Y-6 report

D w ill be sent under separate cover

gJ is not prepared

For Federal Reserve Bank Use Only

RSSD ID

CI llt-t 9 3lt- ~

Date of Report (top-tier holding companys fiscal year-end)

December 31 2015 Month f Dav I Year

NI p Reporters Legal Entity Identifier (LEI) (20-Character LEI Code)

Reporters Name Street and Mailing Address WBamp T Bankshares Inc Legal Title of Holding Company

501 Tebeau Street I PO Box 1339 (Mailing Address of the Holding Company) Street I PO Box

Waycross -=G--A------- _3_15_0_1____ City State Zip Code

Physical Location (if different from mailing address)

Person to whom questions about this report should be directed Eli D Mullis Ch ief Financial Officer Name Title

229-316-8835 Area Code I Phone Number I Extension

229-316-41 84 Area Code I FAX Number

emulliswbtbanksharescom E-mail Address

Address (URL) for the Holding Companys web page

Does the reporter request confidential treatment for any portion of this submission

D Yes Please identify the report items to which th is request applies

D In accordance with the instructions on pages GEN-2 and 3 a letter justify ing the request is being provided

D The information for which confidential trea tmen t is sought

is being submitted separately labeled Confidential

ig]_ No

Publ ic reporting burden for this information collection is estimated to vary from 13 to 101 hours per response with an average of 525 hours per response including time _to gather and maintain data in the required form and to review Instructions and complete the information collect ion Send comments regarding this burden estimate or any other aspect of this collection of information including suggestions for reducing this burden to Secretary Board of Governors of the Federal Reserve System 20th and C Streets NW Washington DC 20551 and to the Office of Management and Budget Paperwork Reduction Project (7100-0297) Washington DC 20503

1212015

FORM FR Y-6

WBampT BANKSHARES INC

Waycross Georgia

December 31 2015

Report Item 1 Annual Report

WBamp T Bankshares is not registered with the SEC

Report Item 2a Organizational Chart 1

I Waycross Bank amp Trust

Waycross Georgia

(Incorporated in GA)

WBampT Bankshares Inc

Waycross Georgia

Guardian Bank

Valdosta Georgia

I I South Coast

Bank amp Trust WBampT Property

Services LLCBrunswick GA

Valdosta Georgia(Incorporated in GA)

(Incorporated in GA)100 100

This is an OREO

management

subsidiary

1 No companies under WBamp T Bankshares Inc have LEI to report

Report Item 2b Domestic Branch Listing

The branch information downloaded from the Federa l Reserve has been verified and

e-mailed to the appropriate contact at the Atlanta Federal Reserve

Resu lts A list of branches for vour depository Institution SOUTH COAST BANK amp TRUST lD_RSS O 706030)

This depository institution is held bv WBamp T BANKS HARES INC (1493636) of WAYCROSS GA

The data are as of U312015 Data renects information that was received and processed throuah 01072016

Reconclliat lon and Verificat ion St ees

1 In the Dilt a Action column of each branch row enter one or more of the actions specified below 2 If required enter the date In the Effective Dat e column

OK If the branch information is correct enter OK in the Data Action column

Cha nae If the branch Information is Incorrect or incomplete revise the data enter Change in the Data Action column and the date when this information first became valid in the Effective Ote column Close If a branch listed wu sold or closed entet middoterasemiddot in the Data Action column and the sale or closure date in the Effective Dat e column

Delet e If a branch listed was never owned by this depository institution enter Delete in the Dltlta Action column

Add If a reportable branch is missina insert a row add the branch data and enter Add in the Oltlta Action column and the openinc or uquisition date in the Effective Ote column

If printing this list you may need to adjust your page setup in MS Excel Try usinc landscape orientation page scalin1 andor legal sized paper

Submission Procedure

When you are finished send a saved copy to your FRB contact See the detailed Instructions on this site for more information

If you are e-mailing this to your FRB contact put your institution name city and state in the subject line of the e-mail

To satisfy the FR Y-10 report ing requirements you must also submit FR V-10 Domestic Branch Schedules for each branch with a Data Action of Change Close Delete or Add

The FR Ymiddot lO report may be submitted in a hardcopy format or via the FR Y-10 Online application middot httpsylOonlinefederalreservegov

bull FDIC UNINUM Office Number and ID_RSSD columns are for reference only Verification of these values is not required

Data Act ion Effectiw Ote Branch Service Ty Branch ID Rssobull PopY lar Name St reet Addreu State Zip COde COu COu ntry FDIC UNI NUMbull Offk e Number Head Offke Head Off1e e ID_RSS Dbull COmments

OK 12312015 Full Service (Head Office) 706030 SOUTH COAST BANK amp TRUST 1500 NEWCASTLE STREET BRUNSWICK GA 31520 GLYNN UNITEDSTATES 10471 0 SOUTH COAST BANK amp TRUST 706030

OK 12312015 Full Service 4392534 MIDWAY SQUARE BRAN CH 60 MIDWAY SQUARE SAI NT SIMONS ISLANO GA 31522 GLYNN UNITED STATES Not Required Nol R uired SOUTH COAST BANK amp TRUST 706030

Results A list of branches for your depository institut ion GUARDIAN BANK (ID_RSSD 29890061

This depository Institution is held by WBampT BANKSHARES INC (1493636) of WAYCROSS GA

The data are u of 1231 2015 Data reflects information that was received and processed through 01 072016

Reconciliation and Verification Stees

1 In the Data Action column of each branch row enter one or more of the actions specified below 2 If required enter the date in the Effective Date column

Chan1e If the branch Information is Incorrect or incomplete revise the data enter Change in the Data Action column and the date when this information fint became valid in the Effective Date column

Close If a branch listed wa s sold or closed enter Close In the Data Action column and the sale or closure date in the Effective Date column

Delete If a branch listed was never owned by this depository institution enter Delete in the Data Action column

Add 1f a reportable branch is missing insert a row add the branch data and enter Add in the Data Action column and the opening or acquisition date in the Effective Date column

If printing this list you may need to adjust your page setup in MS Excel Try using landscape orientation page scaling andor legal sized paper

When you are finished send a saved copy to your FRB contact See the detailed instructions on this site for more information

To satisfy the FR Y-10 reportinc requirements you must also submit FR Y-10 Domestic Branch Schedules for each branch with a Data Action of Chan ge Close Delete or Add

The FR Y-10 report may be submined in a hardcopy format or via the FR Y-10 Online application - httpsylOonlinefederalreservegov

bullFDIC UNINUM Office Number and ID_RSSD columns are for reference only Verification of these values is not required

Data Action EffKtlve Date Branch Service Type Branch ID RSSDbull Popular Name Street Address Citv OK 12312015 Futt Service (Heild Office) 2989006 GUARDIAN BANK 701 WILDWOOD PLANTATION DRIVE VALDOSTA OK 121312015 Full Service 3992003 CITIZENS EXCHANGE BANK BRANCH 82 RAILROAD AVE EAST PEARSON OK 12 31 2015 Full Service 3443420 NORMAN DRIVE BRANCH 246 NORMAN DRIVE VALDOSTA OK 12312015 Full Service 3021686 NORTH ASHLEY BRANCH OFFICE 1906 NORTH ASHLEY STREET VALDOSTA

ZiP Code Countv

31602 LOWNDES

31642 ATKINSON

31601 LOWNDES

31602 LOWNDES

Countrv FDICUNINUMbull Office Number Head Office Head Office ID RSsDbull Comments

UNITED STATES 358181 0 GUARDIAN BANK 2989006

UNITED STATES Not Reau ired Not Reauired GUARDIAN BANK 2989006

UN1TEDSTATES 453550 3 GUARDIAN BANK 2989006

UN1TEDSTATES 261476 l GUARDIAN BANK 2989006

middot

Results A list of branches for your depository institution W AYCROSS BANK amp TRUST (IO_RSSO 1191352)

The data are as of 123120 15 Data reflects information the1t was received and processed through 01 07201 6

Reconciliation and Verification Steps

1 In the Data Action column of each branch row enter one or more of the actions specified below

2 If required enter the date in the Effective Date column

~ 01lt If the branch information is correct enter OK In the Data Action column

Change If the branch Inform ation is incorrect or incomplete revise the date enter Change in the Data Action column and the date when this Information first became valid in the Effective Date column

Close If a branch listed was sold or closed enter Close in the Data Action column and the sale or closure date In the Effective Date column

Delet e If a branch listed was never owned by this depository institution enter Delete in the Data Action column

Add If a reportable branch is missing insert a row add the branch data and enter Add in the Data Action column and the opening or acquisition date in the Effective Date column

If printing this list you may need to adjust your page setup in MS Excel Try using landsC3pe orientation page scaling andor legal sized paper

Su bmission Procedure

If you are e-mailing this to your FRB contact put your institution name ci ty and state in the subject l ine of the e-mail

To satisfy the FR Y-10 reporting requirements you must also submit FR Y-10 Domestic Branch Schedules for each branch with a Data Action of Change Close Delete or Add

The FR Y-10 report may be submitted in a hardcopy format or via the FR Y-10 Online application - httpslylOonlinefederalreservegov

bull FDIC UNINUM Office Number and ID_RSSO columns are for reference only Verification of these values is not required

Data ActJon Effective Date Branch Service T e Branch ID RSSDbull Po ular Name Street Address Count FDIC UNINUMbull Office Numberbull Head Office Head Office ID RSSDbull Comments

UNITED STATES 39342 0 WAYCROSS BANK amp TRUST 1191352OK 12312015 Full Service Head Office 1191352 WAYCROSS BANK amp TRUST SOI TEBEAU STREET

FORM FR Y-6

Waycross Georgia

December 31 2015

Re12ort Item 3 Securities holders

l)(a) (l)(b) l)(c)

Name Country of Citizenship Number and Percentage of Each Class

City State Country or Incorporation of Voting Securities

Norman Gibson

Waycross GA

USA 284748 697 Common Stock

Larry Dean

Lake Park GA

Ashley Paulk

Hahira GA

James E Stewart Jr

Waycross GA

Moi M Monroe Ill

Waycross GA

Terry L Crosby amp Geneva Crosby

Waycross GA

William P Langdale Ill

Valdosta GA

FORM FR Y-6

Waycross Georgia

1213115

Report Item 4 Insiders

(1) (2) (3)(a) (3)(b) (3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

voting securities are

Title amp Position Percentage of held (List names of 1

Principal Title amp Position with Other Percentage of voting shares in companies and

Name Occupation if other Title amp Position with Subsidiaries Businesses voting shares in Subsidiaries percentage of

City State than with Bank with Bank Holding (include names of (include names of Bank Holding (include names of voting securities

Country Holding Company Company subsidiaries) other businesses) Company subsidiaries) held)

James E Stewart Jr Wholesale Candy Director and Director Chairman 525 NA Waycross GA Distributor Chairman Guardian Bank Stewart Candy Co USA

President Buck Island Co Inc

Buck Island Land 100

Co Inc

D Lewayne Dalton Accounting Director and Director I Chairman Dalton amp Bennett CP1 161 NA NA

Waycross GA Vice-Chairman Waycross BampT Partner USA

Dr SW Clark Ill Physician Director Director SWilliam Clark MD 228 NA Hilltop FLP -- 99

Waycross GA 1 Waycross BampT USA Owner Clark Eye Clinic -- 100

Clark Eye Clinic PC Evaloria Partners LLC - 90

Mai M Monroe Ill Banking Director and Director and NIA 525 NA NA

Waycross GA Secretary Employee USA Waycross BampT

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

Principal Title amp Position Name Occupation if other Title amp Position with Subsidiaries City State than with Bank with Bank Holding (include names of Country Holding Company Company subsidiaries)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Title amp Position Percentage of held (List names of

with Other Percentage of voting shares in companies and

Businesses voting shares in Subsidiaries percentage of

(include names of Bank Holding (include names of voting securities

other businesses) Company subsidiaries) held)

J Conway Gillis President Director Director President 236 NA Gillis Brothers Inc

Waycross GA Gillis Brothers Inc Waycross Bamp T Gillis Brothers Inc 92

President Dounoco Land Co Inc

Dounoco Land Co Inc 246

Gillis Investments Gi llis Investments

L PGeneral Partner 50

David W Littlefield Jr President Director Director President 344 NA Littlefield Construction

Waycross GA Littlefi eld Construction Waycross Bamp T Littlefield Construction Company

USA Company Company 50

Vice President

Littlefield Concrete Co

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

Principal Title amp Position

Name Occupation if other Title amp Position with Subsidiaries

City State than with Bank with Bank Holding (include names of Country Holding Company Company subsidiaries)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

A Harris Hines Jr Retired Director Director NA 118

Waycross GA Waycross Bamp T USA

William J Monroe Jr Retired Director Director NIA 434

Savannah GA Waycross Bamp T USA

Ashley Paulk Owner Director Director I Chairman President 629

Hahira GA Ashley Paulk Inc Guardian Bank Valdosta Electric USA

President

Valdosta Technical Systems

NA Ashley Paulk Inc

Valdosta Technical

Systems

Northwind Office Complex

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Larry Dean President Director Director President 643 NA Standard Contractors Inc

Lake Park GA Standard Contractors Inc Guardian Bank Standard Contractors Inc 100

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

William P Langdale Ill Attorney

Valdosta

Director Director

Guardian Bank

Partner

Langdale amp Vallotton LLP

Co-Manager

Honor Ridge Properties LLC

507 NA Valdosta Flying Service

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

Marpo Investments LLC

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

WL Vehicle Rentals LLC

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Banking Director Director

South Coast Bamp T Director

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Ansel P Clark Banking President amp CEO Valdosta GA

Steve Wood Banking Executive Vice Valdosta GA President USA

Eli D Mull is Banking Chief Financial Valdosta GA Officer USA

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

Report Item 2a Organizational Chart

Report Item 2b Domestic Branch Listing - SouthCoast BT

Report Item 2b Domestic Branch Listing - Guardian Bk

Report Item 2b Domestic Branch Listing - Waycross BT

Report Item 3 Securities Holders

Report Item 4 Insiders (contd)

FORM FR Y-6

Waycross Georgia

December 31 2015

Report Item 1 Annual Report

WBamp T Bankshares is not registered with the SEC

Report Item 2a Organizational Chart 1

I Waycross Bank amp Trust

Waycross Georgia

WBampT Bankshares Inc

Waycross Georgia

Guardian Bank

Valdosta Georgia

I I South Coast

Bank amp Trust WBampT Property

Services LLCBrunswick GA

Valdosta Georgia(Incorporated in GA)

(Incorporated in GA)100 100

This is an OREO

management

subsidiary

1 No companies under WBamp T Bankshares Inc have LEI to report

Report Item 2b Domestic Branch Listing

The branch information downloaded from the Federa l Reserve has been verified and

e-mailed to the appropriate contact at the Atlanta Federal Reserve

ZiP Code Countv

31602 LOWNDES

31642 ATKINSON

31601 LOWNDES

31602 LOWNDES

middot

FORM FR Y-6

Waycross Georgia

December 31 2015

l)(a) (l)(b) l)(c)

Norman Gibson

Waycross GA

Larry Dean

Lake Park GA

Ashley Paulk

Hahira GA

James E Stewart Jr

Waycross GA

Moi M Monroe Ill

Waycross GA

Valdosta GA

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b) (3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Co Inc

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Vice President

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

President

NA Ashley Paulk Inc

Valdosta Technical

Systems

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

ZiP Code Countv

31602 LOWNDES

31642 ATKINSON

31601 LOWNDES

31602 LOWNDES

middot

FORM FR Y-6

Waycross Georgia

December 31 2015

l)(a) (l)(b) l)(c)

Norman Gibson

Waycross GA

Larry Dean

Lake Park GA

Ashley Paulk

Hahira GA

James E Stewart Jr

Waycross GA

Moi M Monroe Ill

Waycross GA

Valdosta GA

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b) (3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Co Inc

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Vice President

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

President

NA Ashley Paulk Inc

Valdosta Technical

Systems

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

ZiP Code Countv

31602 LOWNDES

31642 ATKINSON

31601 LOWNDES

31602 LOWNDES

middot

FORM FR Y-6

Waycross Georgia

December 31 2015

l)(a) (l)(b) l)(c)

Norman Gibson

Waycross GA

Larry Dean

Lake Park GA

Ashley Paulk

Hahira GA

James E Stewart Jr

Waycross GA

Moi M Monroe Ill

Waycross GA

Valdosta GA

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b) (3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Co Inc

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Vice President

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

President

NA Ashley Paulk Inc

Valdosta Technical

Systems

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

middot

FORM FR Y-6

Waycross Georgia

December 31 2015

l)(a) (l)(b) l)(c)

Norman Gibson

Waycross GA

Larry Dean

Lake Park GA

Ashley Paulk

Hahira GA

James E Stewart Jr

Waycross GA

Moi M Monroe Ill

Waycross GA

Valdosta GA

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b) (3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Co Inc

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Vice President

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

President

NA Ashley Paulk Inc

Valdosta Technical

Systems

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

FORM FR Y-6

Waycross Georgia

December 31 2015

l)(a) (l)(b) l)(c)

Norman Gibson

Waycross GA

Larry Dean

Lake Park GA

Ashley Paulk

Hahira GA

James E Stewart Jr

Waycross GA

Moi M Monroe Ill

Waycross GA

Valdosta GA

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b) (3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Co Inc

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Vice President

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

President

NA Ashley Paulk Inc

Valdosta Technical

Systems

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b) (3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Co Inc

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Vice President

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

President

NA Ashley Paulk Inc

Valdosta Technical

Systems

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Vice President

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

President

NA Ashley Paulk Inc

Valdosta Technical

Systems

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

President

NA Ashley Paulk Inc

Valdosta Technical

Systems

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

FORM FR Y-6

Waycross Georgia

1213115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Valdosta

Director Director

Guardian Bank

Partner

Co-Manager

Vice President

PB Automotive Inc

MPM Properties LLP

Grove Pointe LLC

Snow Girls LLC

Enterprise Business

Partners

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

aba Avis Valdosta

Jack C Kilgore

St Simons Island

Primo Water Inc

134 NA NA

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

FORM FR Y-6

Waycross Georgia

123115

(1) (2) (3)(a) (3)(b)

(3)(c) (4)(a) (4)(b) (4)(c)

List names of other

companies (includes

partnerships) if

25 or more of

Director

Waycross Bamp T

Director

Guardian Bank

CEO amp Director

South Coast Bamp T

NA 201 NA NA

NA NA 049 NA NA

NA NA 015 NA NA

FR Y-6 Cover Page

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