The First Bancshares Investor Presentation — December 2017

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December 6, 2017 Acquisition of Sunshine Financial, Inc.

The First Bancshares, Inc.

ABOUT THE FIRST BANCSHARES, INC.:

The First Bancshares, Inc. (“FBMS” or the “Company”), headquartered in Hattiesburg,

Mississippi, is the parent company of The First, A National Banking Association. Founded in

1996, The First has operations in Mississippi, Louisiana, Alabama and Florida. The Company’s

stock is traded on NASDAQ Global Market under the symbol FBMS. Contact: Chandra Kidd,

Corporate Secretary.

NON -GAAP FINANCIAL MEASURES

FBMS reports its results in accordance with United States generally accepted accounting

principles (“GAAP”). However, management believes that certain non -GAAP performance

measures used in managing the business may provide meaningful information about

underlying trends in its business. Non -GAAP financial measures should be viewed in addition

to, and not as an alternative for, FBMS’ reported results prepared in accordance with GAAP.

ADDITIONAL INFORMATION ABOUT THE MERGER AND WHERE TO FIND IT

In connection with the proposed merger of FBMS and Sunshine Financial, Inc. (“SSNF”), FBMS

will file with the Securities and Exchange Commission (the “SEC”) a registration statement on

Form S -4 that will include a proxy statement of SSNF and a prospectus of FBMS, as well as

other relevant documents concerning the proposed transaction. This communication does

not constitute an offer to sell or the solicitation of an offer to buy any securities or a

solicitation of any vote or approval. WE URGE INVESTORS AND SECURITY HOLDERS TO READ

THE REGISTRATION STATEMENT ON FORM S -4, THE PROXY STATEMENT/PROSPECTUS

INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S -4 AND ANY OTHER RELEVANT

DOCUMENTS WHEN FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED MERGER

BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT FBMS, SSNF AND THE

PROPOSED MERGER. The proxy statement/prospectus will be sent to the shareholders of

SSNF seeking the required shareholder approvals. Investors and security holders will be able

to obtain free copies of the registration statement on Form S -4 and the related proxy

statement/prospectus, when filed, as well as other documents filed with the SEC by FBMS

through the web site maintained by the SEC at www.sec.gov. Documents filed with the SEC by

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