FBC Jacksonville Employee Handbook (1)

1 While Flowers' subsidiaries operate as separate and distinct legal entities, for legal compliance purposes all entities must be covered by this Insider Trading Policy

(l) firm evidence of a significant increase or decrease in near-term earnings prospects;

(m)

an important change in capital investment plans or corporate objectives;

(n)

a significant change in management;

(o)

significant litigation or governmental investigations;

(p) a major labor dispute or a dispute with a major contractor or supplier or loss the gain or loss of a substantial customer;

(q)

an event of default under a financing or other agreement;

(r)

a declaration of or a failure to declare dividends;

(s)

a call of securities for redemption;

(t) any acquisition or disposition of property (any asset) which has not been negotiated at arm's length; and any other development relating to the business and affairs of Flowers that would reasonably be expected to significantly affect the market price or value of any of Flowers' securities or that would reasonably be expected to have a significant influence on a reasonable investor's investment decisions. Twenty-Twenty Hindsight . Remember, if your securities transactions become the subject of scrutiny, they will be viewed after-the-fact with the benefit of hindsight. As a result, before engaging in any transaction you should carefully consider how regulators and others might view your transaction in hindsight. Transactions by Family Members . The very same restrictions apply to your family members and others living in your household. You are expected to be responsible for the compliance of your immediate family and personal household. Tipping Information to Others . Whether the information is proprietary information about Flowers or information that could have an impact on Flowers stock price, you must not pass the info1mation on to others or recommend the purchase or sale of securities about which you have material inside inf01mation. Policy Applies to all Employees . Remember, insider trading restrictions aren't limited to directors and officers; they apply to anyone who comes into possession of material inside information about Flowers, our subsidiaries, or other companies, such as our customer, suppliers, potential business partners and prospective acquisition candidates. As we pursue new business opportunities through acquisitions and divestitures, joint ventures, internal restructuring and new contracts, the people involved in the planning process must be aware of their obligations under the federal securities laws, (u)

Employee Handbook 2024

FBC Jacksonville