Attached files

file filename
EX-31.2 - EXHIBIT 31.2 - FOUR OAKS FINCORP INCfofn12312015ex312.htm
EX-32.1 - EXHIBIT 32.1 - FOUR OAKS FINCORP INCfofn12312015ex321.htm
EX-32.2 - EXHIBIT 32.2 - FOUR OAKS FINCORP INCfofn12302015ex322.htm
EX-31.1 - EXHIBIT 31.1 - FOUR OAKS FINCORP INCfofn12312015ex311.htm
EX-23 - EXHIBIT 23 - FOUR OAKS FINCORP INCex23auditorconsent.htm
EX-10.8 - EXHIBIT 10.8 - FOUR OAKS FINCORP INCex108espbpamendmentno3.htm
EX-10.20 - EXHIBIT 10.20 - FOUR OAKS FINCORP INCex1020jeffpopearemployment.htm
EX-10.23 - EXHIBIT 10.23 - FOUR OAKS FINCORP INCex1023warrenherringaremplo.htm
EX-10.22 - EXHIBIT 10.22 - FOUR OAKS FINCORP INCex1022deannahartemployment.htm
EX-10.12 - EXHIBIT 10.12 - FOUR OAKS FINCORP INCex1012summaryofnon-employe.htm
EX-10.21 - EXHIBIT 10.21 - FOUR OAKS FINCORP INCex1021lisaherringaremploym.htm
EX-10.19 - EXHIBIT 10.19 - FOUR OAKS FINCORP INCex1019davidrupparemploymen.htm
10-K - 10-K - FOUR OAKS FINCORP INCfofn1231201510k.htm
Exhibit 4.3

[Four Oaks Fincorp, Inc. Letterhead]

March 25, 2016

Securities and Exchange Commission
100 F Street, NE
Washington, D.C. 20549

Re: Four Oaks Fincorp, Inc. - Form 10-K for the year ended December 31, 2015

Ladies and Gentlemen:

Today, Four Oaks Fincorp, Inc., a North Carolina corporation (the “Company”), is filing its Annual Report on Form 10-K for the year ended December 31, 2015 (the “Form 10-K”) with the Securities and Exchange Commission (the “SEC”).

Pursuant to Item 601(b)(4)(iii)(A) of Regulation S-K, the Company hereby agrees to furnish the SEC, upon request, copies of instruments and agreements defining the rights of holders of its long-term debt, which are not being filed as exhibits to the Form 10-K. The total amount of securities issued under any instrument of such long-term debt does not exceed 10% of the total assets of the Company and its subsidiaries on a consolidated basis.


Very truly yours,

FOUR OAKS FINCORP, INC.

/s/ David H. Rupp

David H. Rupp
President and Chief Executive Officer