OTHER INFORMATION
−Removed: During the three months ended September 30, 2025, none of our directors or officers (as defined in Rule 16a-1(f) of the Securities Exchange Act of 1934, as amended) adopted , modified or terminated a Rule 10b5-1 trading arrangement or non-Rule 10b5-1 trading arrangement (as such terms are defined in Item 408 of Regulation S-K of the Securities Act of 1933).
+Added: During the three months ended March 31, 2026, none of our directors or officers (as defined in Rule 16a-1(f) of the Securities Exchange Act of 1934, as amended) adopted , modified or terminated a Rule 10b5-1 trading arrangement or non-Rule 10b5-1 trading arrangement (as such terms are defined in Item 408 of Regulation S-K of the Securities Act of 1933).
+Added: CARTER BANKSHARES, INC.
+Added: AND SUBSIDIARIES
Articles of Incorporation of Carter Bankshares, Inc., effective October 7, 2020 (incorporated by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed with the SEC on November 23, 2020)
Bylaws of Carter Bankshares, Inc., as adopted October 28, 2020 (incorporated by reference to Exhibit 3.2 to the Company’s Current Report on Form 8-K filed with the SEC on November 23, 2020)
+Added: Form of Time-Based Restricted Stock Agreement (for non-employee director) for use on or after January 2, 2026 under the Carter Bankshares, Inc.
+Added: Amended and Restated 2018 Omnibus Equity Incentive Plan (incorporated by reference to Exhibit 10.7.2 to the Company’s Annual Report on Form 10-K filed with the SEC on March 5, 2026)
+Added: Form of Time-Based Restricted Stock Agreement (for employee:
+Added: AIP) for use on or after February 25, 2026 under the Carter Bankshares, Inc.
+Added: Amended and Restated 2018 Omnibus Equity Incentive Plan (incorporated by reference to Exhibit 10.7.11 to the Company’s Annual Report on Form 10-K filed with the SEC on March 5, 2026)
+Added: Form of Time-Based Restricted Stock Agreement (for employee:
+Added: LTIP) for use on and after February 25, 2026 under the Carter Bankshares, Inc.
+Added: Amended and Restated 2018 Omnibus Equity Incentive Plan (incorporated by reference to Exhibit 10.7.12 to the Company’s Annual Report on Form 10-K filed with the SEC on March 5, 2026)
+Added: Form of Performance Unit Agreement (for employee:
+Added: LTIP) for use on and after February 25, 2026 under the Carter Bankshares, Inc.
+Added: Amended and Restated 2018 Omnibus Equity Incentive Plan (incorporated by reference to Exhibit 10.7.13 to the Company’s Annual Report on Form 10-K filed with the SEC on March 5, 2026)
Certification by principal executive officer pursuant to Rule 13a-14(a) (filed herewith)
14 unchanged sentences
Chief Executive Officer (Principal Executive Officer)
−Removed: November 3, 2025
Chief Financial Officer (Principal Financial and Accounting Officer)
−Removed: November 3, 2025
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.