CROSSFIRST BANKSHARES, INC.

2018 OMNIBUS EQUITY INCENTIVE PLAN

DIRECTOR RESTRICTED STOCK AWARD AGREEMENT

Date of Grant: [●]

Number of Restricted Shares Granted: _________

This Restricted Stock Award Agreement (this "Award Agreement"), is entered into on

the Date of Grant above, by and between CrossFirst Bankshares, Inc., a Kansas Corporation (the

"Company") and _____________ (the "Grantee").

RECITALS:

A. Effective October 25, 2018, the Company adopted the CrossFirst Bankshares, Inc.

2018 Omnibus Equity Incentive Plan (the "Plan") pursuant to which the Company may, from

time to time, grant Restricted Stock to eligible Service Providers of the Company and its

Affiliates.

B. The Grantee is a Service Provider of the Company or one of its Affiliates, and the

Company desires to grant to the Grantee shares of Restricted Stock of the Company on the terms

and conditions reflected in this Award Agreement, the Plan and as otherwise established by the

Committee.

AGREEMENT:

In consideration of the mutual covenants contained herein and other good and valuable

consideration, the receipt of which is hereby acknowledged, the parties agree as follows:

Section 1. Incorporation of the Plan.

 All provisions of this Award Agreement and

the rights of the Grantee hereunder are subject in all respects to the provisions of the Plan, the

terms of which are incorporated herein by reference, and the powers of the Committee therein

provided. Capitalized terms used in this Award Agreement but not defined herein have the

meanings set forth in Plan.

Section 2. Grant of Restricted Stock.

 As of the Date of Grant identified above and

subject to Section 21 below, the Company grants to the Grantee, subject to the conditions and

restrictions set forth in this Award Agreement and in the Plan, that number of shares of Restricted

Stock identified above opposite the heading "Number of Restricted Shares Granted" (the

"Restricted Shares").

Section 3. Restrictions on Transfer; Vesting Date

. Subject to any exceptions set

forth in this Award Agreement or in the Plan, the Restricted Shares or the rights relating thereto

may not be sold, transferred, gifted, bequeathed, pledged, assigned, or otherwise alienated or

hypothecated, voluntarily or involuntarily, prior to the vesting date for such Restricted Shares

identified below (the "Vesting Date"). Subject to Section 21 below, on the Vesting Date, such

restriction on transfer shall lapse and the Restricted Shares, if not previously forfeited pursuant to

Section 4 below, will become freely transferable under this Award Agreement and the Plan, subject

only to such further limitations on transfer, if any, as may exist under applicable law or any other

agreement binding upon Grantee. Subject to any exceptions listed in this Award Agreement or in

the Plan, the Restricted Shares shall become vested in accordance with the schedule set forth

below: 

Vest Date Restricted Shares

[●] ___________

Notwithstanding the foregoing, (a) if Grantee's position as a Service Provider with the Company

or any of its Affiliates is terminated by reason of the Grantee's death or Disability (and assuming

Participant continuously served as a Director on the Board through the date of such death or

Disability), the Vesting Date for all of the Restricted Shares automatically will be accelerated to

the date of Grantee's termination as a Service Provider; or (b) if Grantee’s position as a Service

Provider with the Company or any of its Affiliates is terminated prior to vesting due to the natural

termination of the Grantee’s current Board service period prior to vesting in accordance with this

Award Agreement, the unvested Restricted Shares shall instead continue to vest in accordance

with the vesting schedule shown above.

Section 4. Forfeiture Prior to Vesting

. Unless otherwise provided in this Award

Agreement or the Plan, if Grantee's position as a Service Provider with the Company or any of its

Affiliates is terminated by the Company or any such Affiliate for any reason (other than the

Grantee’s death, Disability or natural termination of Board service period), prior to the Vesting

Date for the Restricted Shares, Grantee will thereupon immediately forfeit any and all unvested

Restricted Shares, and the full ownership of such Restricted Shares and rights will revert to the

Company. Upon such forfeiture, Grantee shall have no further rights under this Award Agreement. 

For purposes of this Award Agreement, the transfer of employment between the Company and any

of its Affiliates (or between Affiliates) shall not constitute a termination of the Grantee's position

as a Service Provider. 

Section 5. Dividends and Voting.

 Subject to Section 21 below, Grantee is entitled to

(i) receive all dividends, payable in stock, in cash or in kind, or other distributions, declared on or

with respect to any Restricted Shares as of a record date that occurs on or after the Date of Grant

hereunder and before any transfer or forfeiture of the Restricted Shares by Grantee, provided that

any such dividends paid in cash are to be held in escrow by the Company and, such cash dividends

and distributions are to be subject to the same rights, restrictions on transfer and conditions

regarding vesting and forfeiture as the Restricted Shares with respect to which such dividends or

distributions are paid at the time of payment, and (ii) exercise all voting rights with respect to the

Restricted Shares, if the record date for the exercise of such voting rights occurs on or after the

Date of Grant hereunder and prior to any transfer or forfeiture of such Restricted Shares. In the

event of forfeiture by Grantee of any or all of the Restricted Shares or any of the equity securities

distributed to Grantee with respect thereto, Grantee shall forfeit all cash dividends held in escrow

and relating to the underlying forfeited Restricted Shares and must return to the Company any

distributions previously paid to Grantee with respect to such Restricted Shares. 

Section 6. No Right to Continue as a Service Provider. 

Neither the Plan nor this

Award Agreement confers upon the Grantee any right to be retained in any position as an

Employee, Consultant, or Director of the Company. Further, nothing in the Plan or this Award

Agreement shall be construed to limit the discretion of the Company to terminate the Grantee as a

Service Provider at any time, with or without Cause. 

Section 7.

Compliance with Law.

 The issuance and transfer of Shares shall be subject

to compliance by the Company and the Grantee with all applicable requirements of federal and

state securities laws and with all applicable requirements of any stock exchange on which the

Company's Shares may be listed. The Grantee understands that the Company is under no obligation

to register the Shares with the Securities and Exchange Commission, any state securities

commission, or any stock exchange to effect such compliance.

Section 9. Notices.

 Any notice required to be delivered to the Company under this

Award Agreement shall be in writing and addressed to the General Counsel and Corporate

Secretary of the Company at the Company's principal corporate office. Any notice required to be

delivered to the Grantee under this Award Agreement shall be in writing and addressed to the

Grantee at the Grantee's address as shown in the records of the Company. Either party may

designate another address in writing (or such other method approved by the Company) from time

to time.

Section 10. Governing Law. 

This Award Agreement will be construed and interpreted

in accordance with the laws of the State of Kansas without regard to conflict of law principles.

Section 11. Adjustments. 

If any change is made to the outstanding Stock or capital

structure of the Company, if required, the Restricted Shares shall be adjusted or terminated in any

manner as contemplated by the Plan.

Section 12. Amendment.

 This Award Agreement may be amended in a manner that is

materially adverse to the Grantee only by a writing executed by the parties hereto which

specifically states that it is amending this Award Agreement.

Section 13. Interpretation. 

Any dispute regarding the interpretation of this Award

Agreement shall be submitted by the Grantee or the Company to the Committee for review. The

resolution of such dispute by the Committee shall be final and binding on the Grantee and the

Company.

Section 14. Titles. 

Titles are provided herein for convenience only and are not to serve

as a basis for interpretation or construction of this Award Agreement.

Section 15. Successors and Assigns. 

The Company may assign any of its rights under

this Award Agreement. This Award Agreement will be binding upon and inure to the benefit of

the successors and assigns of the Company. Subject to the restrictions on transfer set forth herein,

this Award Agreement will be binding upon the Grantee and the Grantee's beneficiaries, executors,

administrators and the person(s) to whom the Restricted Shares may be transferred by will or the

laws of descent or distribution.

Section 16. Severability. 

The invalidity or unenforceability of any provision of the

Plan or this Award Agreement shall not affect the validity or enforceability of any other provision

of the Plan or this Award Agreement, and each provision of the Plan and this Award Agreement

shall be severable and enforceable to the extent permitted by law.

Section 17.

Counterparts.

 This Award Agreement may be executed in counterparts,

each of which shall be deemed an original but all of which together will constitute one and the

same instrument. Counterpart signature pages to this Award Agreement transmitted by facsimile

transmission, by electronic mail in portable document format (.pdf), or by any other electronic

means intended to preserve the original graphic and pictorial appearance of a document, will have

the same effect as physical delivery of the paper document bearing an original signature.

Section 18. Acceptance.

 The Grantee hereby acknowledges receipt of a copy of the

Plan and this Agreement. The Grantee has read and understands the terms and provisions thereof,

and accepts the subject to all of the terms and conditions of the Plan and this Award Agreement. 

Section 19. Entire Agreement and Binding Effect. 

This Award Agreement and the

Plan constitute the entire contract between the parties hereto with regard to the subject matter

hereof. They supersede any other agreements, representations or understandings (whether oral or

written and whether express or implied) that relate to the subject matter hereof. Except as

expressly stated herein to the contrary, this Award Agreement will be binding upon and inure to

the benefit of the respective heirs, legal representatives, successors and assigns of the parties

hereto.

Section 20. 409A Compliance

. Notwithstanding any provision of the Plan or this

Award Agreement to the contrary, (i) this Award Agreement shall not be amended in any manner

that would cause any amounts payable hereunder that are not subject to Code Section 409A

("Section 409A") to become subject thereto (unless they also are in compliance therewith), and the

provisions of any purported amendment that may reasonably be expected to result in such non-

compliance shall be of no force or effect with respect to this Award Agreement and (ii) the

Company, to the extent it deems necessary or advisable in its sole discretion, reserves the right,

but shall not be required, to unilaterally amend or modify this Award Agreement to reflect the

intention that the Plan qualifies for exemption from or complies with Section 409A in a manner

that as closely as practicable achieves the original intent of this Award Agreement and with the

least reduction, if any, in overall benefit to the Grantee to comply with Section 409A on a timely

basis, which may be made on a retroactive basis, in accordance with regulations and other guidance

issued under Section 409A. Neither the Company nor the Committee makes any representation

that this Award Agreement shall be exempt from or comply with Section 409A and makes no

undertaking to preclude Section 409A from applying to this Award Agreement.

Section 21. Applicability of Directors' Deferred Fee Plan. 

In the event that the

Grantee has made an election under the Company's 2018 Directors' Deferred Fee Plan (the

"Deferred Fee Plan") to defer the receipt of any of the Restricted Shares, no shares of Stock shall

be issued to the Grantee and the Grantee shall only have a right to receive the shares of Stock

subject to this Award Agreement (i) if the Restricted Shares would have become vested on the

Vesting Date if no election to defer the receipt of the Restricted Shares had been made, and (ii)

following and in accordance with the issuance date provisions specified under the Deferred Fee

Plan. Any of the Restricted Shares deferred under the Deferred Fee Plan shall be treated as

Deferred Shares under such plan and under the Omnibus Plan. 

[Signature Page Follows]

The parties to this Award Agreement have executed this Award Agreement as of the date

provided in the preamble to this agreement.

CROSSFIRST BANKSHARES, INC.

By: 

Name: 

Title: 

GRANTEE

[●]