Southern Missouri Bancorp, Inc. Common Stock

Southern Missouri Bancorp, Inc. is as a holding company, which engages in the provision of financial services. The company is headquartered in Poplar Bluff, Missouri and currently employs 696 full-time employees. The Bank is primarily engaged in providing a full range of banking and financial services to individuals and corporate customers in its market areas. The principal business of the Bank consists of attracting retail deposits from the general public and using such deposits along with wholesale funding from the Federal Home Loan Bank of Des Moines, (FHLB), and brokered deposits, to invest in one- to four-family residential mortgage loans, mortgage loans secured by commercial real estate, commercial non-mortgage business loans, construction loans, and consumer loans. These funds are also used to purchase mortgage-backed and related securities (MBS), municipal bonds, and other permissible investments. The Bank provides its customers with a full array of community banking services. The company operates over 62 full-service branch offices and three limited-service branch offices.