EFTA Document EFTA01368277

OPERATING AGREEMENT OF SOUTHERN FINANCIAL, LW A U.S. Virgin Islands Limited Liability Company THIS OPERATING AGREEMENT (this "Agreement") is made and entered into as of February 26, 2013, by Southern Trust Company, Inc. (hereinafter referred to as "Sole Member"), with a business address is 6100 Red I look Quarter, B3, St. Thomas, U.S. Virgin Islands 00802, and which hereby Satins Southern Financial, LLC, a U.S. Virgin Islands Limited Liability Company (the "Company', pursuant to the U.S.