<SEC-DOCUMENT>0001144204-15-053466.txt : 20150902
<SEC-HEADER>0001144204-15-053466.hdr.sgml : 20150902
<ACCEPTANCE-DATETIME>20150902170606
ACCESSION NUMBER:		0001144204-15-053466
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		21
CONFORMED PERIOD OF REPORT:	20150828
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Completion of Acquisition or Disposition of Assets
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20150902
DATE AS OF CHANGE:		20150902

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SMARTFINANCIAL INC.
		CENTRAL INDEX KEY:			0001038773
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				621173944
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-30497
		FILM NUMBER:		151090141

	BUSINESS ADDRESS:	
		STREET 1:		5401 KINGSTON PIKE
		STREET 2:		SUITE 600
		CITY:			KNOXVILLE
		STATE:			TN
		ZIP:			37919
		BUSINESS PHONE:		866-290-2554

	MAIL ADDRESS:	
		STREET 1:		5401 KINGSTON PIKE
		STREET 2:		SUITE 600
		CITY:			KNOXVILLE
		STATE:			TN
		ZIP:			37919

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CORNERSTONE BANCSHARES INC
		DATE OF NAME CHANGE:	19980402

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	EAST RIDGE BANCSHARES INC
		DATE OF NAME CHANGE:	19970507
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>v419670_8k.htm
<DESCRIPTION>8-K
<TEXT>
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<P STYLE="margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>SECURITIES AND EXCHANGE
COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>WASHINGTON, DC 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>CURRENT REPORT PURSUANT TO</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>SECTION 13 OR 15(d)
OF THE </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>SECURITIES EXCHANGE ACT OF 1934</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Date of earliest event reported:
August 28, 2015</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>SMARTFINANCIAL, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">(Exact Name of Registrant as Specified in
its Charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; width: 32%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Tennessee</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 34%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;333-203449</B></FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 32%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>62-1173944</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(State or Other Jurisdiction of Incorporation)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Commission File Number)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(IRS Employer Identification No.)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 49%; border-bottom: black 1pt solid; text-align: center">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>5401 Kingston Pike, Suite 600</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Knoxville, Tennessee </B></P></TD>
    <TD STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 49%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>37919</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Address of Principal Executive Offices)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Zip Code)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 60%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 100%; border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>(865) 437-5700</B></FONT></TD></TR>
<TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Registrant&rsquo;s telephone number, including area code<B>)</B></FONT></TD></TR>
<TR>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: black 1pt solid; text-align: center">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Cornerstone Bancshares, Inc.</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>835 Georgia Avenue Chattanooga, Tennessee
        37402</B></P></TD></TR>
<TR>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Former Name or Former Address, if Changed Since Last Report)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (<I>see</I> General Instruction
A.2. below):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&uml;</FONT><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;Written
communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&uml;</FONT><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&uml;</FONT><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">&uml;</FONT><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Introduction </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Effective August 31, 2015 (the &ldquo;<B><I>Effective
Time</I></B>&rdquo;), SmartFinancial, Inc., a Tennessee corporation formerly known as Cornerstone Bancshares, Inc. (the &ldquo;<B><I>Company</I></B>&rdquo;),
completed its previously announced merger (the &ldquo;<B><I>Merger</I></B>&rdquo;) with legacy SmartFinancial, Inc., a Tennessee
corporation (&ldquo;<B><I>Legacy SmartFinancial</I></B>&rdquo;), pursuant to an Agreement and Plan of Merger (the &ldquo;<B><I>Merger
Agreement</I></B>&rdquo;), dated as of December 5, 2014, by and among the Company, Legacy SmartFinancial, SmartBank, and Cornerstone
Community Bank. At the Effective Time, Legacy SmartFinancial merged with and into the Company, with the Company as the surviving
corporation and changing its name from &ldquo;Cornerstone Bancshares, Inc.&rdquo; to &ldquo;SmartFinancial, Inc.&rdquo; and relocating
its corporate headquarters to Knoxville, Tennessee. The Company will also change the trading symbol of its common stock to &ldquo;SMBK&rdquo;
from &ldquo;CSBQ.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 1.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Entry into a Material Definitive Agreement </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><U>Loan Agreement</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On August 28, 2015, the Company entered
into a Loan Agreement (the &ldquo;<B><I>Loan Agreement</I></B>&rdquo;) with CapStar Bank (the &ldquo;<B><I>Lender</I></B>&rdquo;),
<FONT STYLE="background-color: white">providing for a revolving line of credit of up to $8,000,000 (the &ldquo;<B><I>Revolving
Line of Credit</I></B>&rdquo;).&nbsp;The Company may borrow and reborrow under the Revolving Line of Credit<B> </B>until February
28, 2017, after which no advances under the Revolving Line of Credit may be reborrowed.&nbsp;During the first 90 days of the Revolving
Line of Credit or at any time during which the Company&rsquo;s subsidiary banks maintain daily settlement accounts at the Lender,
borrowings accrue interest at the Lender&rsquo;s prime rate, subject to a 3.00% floor. After the first 90 days or if the Company&rsquo;s
subsidiary banks do not maintain daily settlement accounts with the Lender, the borrowings accrue interest at the Lender&rsquo;s
prime rate plus 0.75%, subject to a 3.75% floor. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="background-color: white">Beginning
90 days after the effective date of the Revolving Line of Credit, the Company is required to pay quarterly payments of interest.
In addition, commencing on April 15, 2017, the Company must pay quarterly principal amortization payments of $125,000 for each
fiscal quarter in 2017, $190,000 for each fiscal quarter in 2018 and $210,000 for each fiscal quarter in 2019 and 2020 until and
including the maturity date.&nbsp;The scheduled principal amortization payments are based upon the assumption that the Revolving
Line of Credit is fully drawn, and the required payments will be reduced on a pro-rata basis relative to the amount borrowed if
the Revolving Line of Credit is not fully drawn.&nbsp;The loan will mature on August 28, 2020, at which time all outstanding amounts
under the Loan Agreement will become due and payable. In connection with entering into the Loan Agreement, the Company issued to
the Lender a Line of Credit Note (the &ldquo;<B><I>Line of Credit Note</I></B>&rdquo;), dated as of August 28, 2015.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Loan Agreement contains typical representations,
warranties and covenants for a revolving line of credit, and the Loan Agreement has certain financial covenants and capital ratio
requirements.&nbsp;Pursuant to the Loan Agreement, neither SmartBank nor Cornerstone Community Bank may permit its non-performing
assets to be greater than 3.25% of its total assets. The bank subsidiaries must not permit their Texas ratio (nonperforming assets
divided by the sum of tangible equity plus the allowance for loan and lease losses) to be greater than 35.00%, and they must not
permit their liquidity ratio to be less than 9.00% (or less than 10.00% for two consecutive quarters).&nbsp;In addition, the Company
will not permit its debt service coverage ratio to be less than 1.25:1.00 or its interest coverage ratio to be less than 2:50:1.00.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Loan Agreement has standard and commercially
reasonable events of default, such as non-payment, failure to perform any covenant or agreement, breach of any representation or
warranty, failure to pay other material indebtedness, bankruptcy, insolvency, any ERISA event, any material judgment, any material
adverse effect, any change in control, any failure to be insured by the FDIC or any action by a governmental or regulatory authority,
etc. The Lender has the right to accelerate the indebtedness upon an event of default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="background-color: white">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The obligations
of the Company under the Loan Agreement are secured by a pledge of all of the capital stock of Cornerstone Community Bank pursuant
to a Stock Pledge and Security Agreement, dated as of August 28, 2015, between the Company and the Lender and all of the capital
stock of SmartBank pursuant to a Stock Pledge and Security Agreement, effective as of September 1, 2015, between the Company and
the Lender (collectively, the &ldquo;<B><I>Pledge Agreements</I></B>&rdquo;). In the event of a default by the Company under the
Loan Agreement, the Lender may terminate the commitments made under the Loan Agreement, declare all amounts outstanding to be payable
immediately, and exercise or pursue any other remedy permitted under the Loan Agreement or the Pledge Agreements, or conferred
upon the Lender by operation of law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The descriptions contained herein of the
Loan Agreement, the Line of Credit Note, and the Pledge Agreements are qualified in their entirety by reference to the terms of
such documents, which are attached as Exhibits 2.2, 2.3, 2.4, and 2.5 to this Current Report on Form 8-K and are incorporated herein
by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white"><U>Securities Purchase
Agreement</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">On August 31, 2015,
and in connection with the Merger, the Company entered into an Assignment and Assumption Agreement (the &ldquo;<B><I>Assignment
Agreement</I></B>&rdquo;) with Legacy SmartFinancial, pursuant to which Legacy SmartFinancial assigned to the Company, and the
Company assumed, all of Legacy SmartFinancial&rsquo;s rights, responsibilities, and obligations under that certain Securities Purchase
Agreement (the &ldquo;<B><I>Securities Purchase Agreement</I></B>&rdquo;), dated as of August 4, 2011, by and between The United
States Secretary of the Treasury (&ldquo;<B><I>Treasury</I></B>&rdquo;) and Legacy SmartFinancial. The Securities Purchase Agreement
was entered into by Legacy SmartFinancial in connection with its participation in Treasury&rsquo;s Small Business Lending Fund
Program.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">Under the terms
of the Securities Purchase Agreement, Legacy SmartFinancial sold 12,000 shares of its Senior Non-Cumulative Perpetual Preferred
Stock, Series A (&ldquo;<B><I>Legacy SmartFinancial SBLF Stock</I></B>&rdquo;), to Treasury for a purchase price of $12 million.
Under the terms of the Merger Agreement, and pursuant to the Assignment Agreement, at the Effective Time, each share of Legacy
SmartFinancial SBLF Stock was converted into one share of the Company&rsquo;s Senior Non-Cumulative Perpetual Preferred Stock,
Series B, having a liquidation preference of $1,000 per share (the &ldquo;<B><I>SBLF Stock</I></B>&rdquo;). The SBLF Stock was
issued under the Company&rsquo;s Amended and Restated Charter as described in Item 5.03 below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The SBLF Stock qualifies as Tier 1 capital.
Non-cumulative dividends on the SBLF Stock accrue at an annual rate of between 1% and 5% until the first quarter of 2016, at which
time dividends will accrue at an annual rate of 9%. The variable rate is determined based upon changes in the amount of &ldquo;Qualified
Small Business Lending&rdquo; as compared to a baseline level. At December 31, 2014 and 2013, as a result of Legacy SmartFinancial&rsquo;s
small business lending activity, the dividend rate was 1%. Dividends are payable quarterly in arrears on January 1, April 1, July
1 and October 1 of each year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">The SBLF Stock
is non-voting, except in limited circumstances. In the event that the Company misses five dividend payments, whether or not consecutive,
the holder of the SBLF Stock will have the right, but not the obligation, to appoint a representative as a non-voting observer
on the Company&rsquo;s board of directors. The right of the holder of the SBLF Stock to appoint a non-voting observer will terminate
when full dividends have been timely paid on the SBLF Stock for at least four consecutive dividend periods.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">The SBLF Stock
may be redeemed in whole or in part at any time at the Company&rsquo;s option, at a redemption price of 100% of the liquidation
preference plus any unpaid dividends for the current dividend period to, but excluding, the date of redemption, plus certain additional
fees if the Company has not met certain minimum lending thresholds at the time of redemption, subject to the receipt of applicable
regulatory approvals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The foregoing description of the Assignment
Agreement, the Securities Purchase Agreement, and the SBLF Stock does not purport to be complete and is qualified in its entirety
by reference to the full text of the Assignment Agreement, which includes as an exhibit the Securities Purchase Agreement, the
Amended and Restated Charter, and the form of stock certificate for the SBLF Stock, which are included as Exhibits 10.1, 3.3, and
4.1, respectively, <FONT STYLE="font-family: Times New Roman, Times, Serif">to this Current Report on Form 8-K </FONT>and are incorporated
herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 2.01&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Completion of Acquisition or Disposition of
Assets</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The information set forth in the introductory
paragraph to the Current Report on Form 8-K is hereby incorporated by reference into this Item 2.01.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Pursuant to the Merger Agreement, holders
of Legacy SmartFinancial common stock have the right to receive 1.05 shares of common stock of the Company for each share of Legacy
SmartFinancial common stock held immediately prior to the Effective Time. A holder of Legacy SmartFinancial common stock who would
be entitled to receive a fraction of a share of Company common stock will instead receive the number of shares of Company common
stock issuable to such holder rounded up to the next whole share.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Also at the Effective Time, each option
to purchase shares of Legacy SmartFinancial common stock was converted into an option to purchase Company common stock on the same
terms and conditions as were applicable prior to the Merger, subject to adjustment of the exercise price and the number of shares
of Company common stock issuable upon exercise of such option based on the 1.05 exchange ratio.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">As a result of the Merger, the Company acquired
Legacy SmartFinancial&rsquo;s subsidiary bank, SmartBank. The Company intends to operate Cornerstone Community Bank and SmartBank
separately until the first quarter of 2016, at which time, and subject to regulatory approval, the two banks will be merged, with
SmartBank surviving the merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The foregoing description of the Merger
Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of the Merger Agreement,
which is included as Exhibit 2.1 to this Current Report on Form 8-K and is incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 2.03 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Creation
of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On August 28, 2015, the Company borrowed
$6 million under the Line of Credit Note.&nbsp; The descriptions of the Loan Agreement, the Revolving Line of Credit and the Line
of Credit Note set forth in Item 1.01 are incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Item
3.03 </B></FONT><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif">Material
Modification to Rights of Security Holders</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Under the Loan Agreement, the Company would
be prohibited from paying any dividend with respect to its common stock if an event of default existed or would be caused by such
payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Under the Securities Purchase Agreement,
the Company would be prohibited from paying any cash dividend with respect to its common stock if it had failed to pay required
dividends on the Company&rsquo;s SBLF Stock for any of the most recent three dividend periods or failed to meet the required test
for Tier 1 capital.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The information set forth in Item 5.03 is
hereby incorporated by reference into this Item 3.03.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 5.02 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Departure
of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain
Officers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 27pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 27pt">At the Effective Time of the Merger:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 27pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>William (Billy) Y. Carroll, Jr. (President and Chief Executive Officer of Legacy SmartFinancial and SmartBank) became the President
and Chief Executive Officer of the Company. Mr. Carroll will continue to serve as President and Chief Executive Officer of SmartBank,
and he will serve as a director of each of the Company, SmartBank, and Cornerstone Community Bank. The Company will assume Legacy
SmartFinancial&rsquo;s obligations under Mr. Carroll&rsquo;s employment agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>C. Bryan Johnson (Executive Vice President and Chief Financial Officer of Legacy SmartFinancial and SmartBank) became Executive
Vice President and Chief Financial Officer of the Company. The Company will assume Legacy SmartFinancial&rsquo;s obligations under
Mr. Johnson&rsquo;s employment agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>William (Bill) Y. Carroll, Sr. (Director of Business Development of SmartBank) became the Vice Chairman of the Company&rsquo;s
board of directors and will continue to serve as Director of Business Development for SmartBank. Mr. Carroll will continue to serve
as the chairman of the SmartBank board of directors. The Company will assume Legacy SmartFinancial&rsquo;s obligations under Mr.
Carroll&rsquo;s employment agreement.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>Nathaniel F. Hughes, who served as the Company&rsquo;s President and Chief Executive Officer before the Merger, became the
Executive Vice President, Investment Officer and Institutional Investor Relations of the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>John H. Coxwell, Sr., who served as the Company&rsquo;s Senior Executive Officer before the Merger, became Executive Vice President
and Chief Operating Officer of the Company.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>Gary W. Petty, Jr., who served as the Company&rsquo;s Executive Vice President and Chief Financial Officer and the Executive
Vice President and Chief Operating Officer of Cornerstone Community Bank before the Merger, became the Executive Vice President
and Chief Risk Officer of the Company and Cornerstone Community Bank.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.5in">&bull;</TD><TD>Victor L. Barrett, Bill Carroll, Billy Carroll, Ted C. Miller, David A. Ogle, Keith E. Whaley, and Geoffrey A. Wolpert, each
of whom was a member of the boards of directors of Legacy SmartFinancial and SmartBank immediately prior to the Merger, became
members of the board of directors of the Company and remain as directors of SmartBank. Other than the assumption of Legacy SmartFinancial
stock options and certain employment agreements in connection with the Merger, there are no material plans, contracts or arrangements
to which any of the foregoing are a party or in which any of the foregoing participates that were entered into or materially amended
in connection with their becoming members of the board of directors of the Company, or with the triggering event or any grant or
award to any of the foregoing or modification thereto, under any such plan, contract or arrangement in connection with any such
event.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Departing Directors </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">At the Effective Time, B. Kenneth Driver,
Karl Fillauer, Nathaniel F. Hughes, Billy O. Wiggins, and Marsha Yessick, each of whom was a member of the board of directors of
the Company, resigned as members of the board of the directors of the Company but will continue to serve on the board of directors
of Cornerstone Community Bank. The resignations of Messrs. Driver, Fillauer, Hughes, Wiggins and Ms. Yessick were not the result,
in whole or in part, of any disagreement with the Company or its management. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Biographies of New Directors </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Victor L. Barrett</I></B> (62) served
as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007.
Mr. Barrett graduated from the University of Texas at El Paso in 1974 with a bachelor&rsquo;s degree in accounting, and became
a licensed Certified Public Accountant in 1976. Mr. Barrett was a co-founder of a family entertainment center facility in Pigeon
Forge, Tennessee, which has expanded into Florida and Alabama, a position he has held since 1984. Mr. Barrett serves on the board
of directors of the Gatlinburg Airport Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Ted C. Miller </I></B>(71) served
as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007.
Mr. Miller is the president and a partner of Dolly Parton Productions and has over 51 years&rsquo; experience in tourism, recreation,
development and marketing of themed attractions. Mr. Miller is director and secretary at World Choice Investments. Additionally,
he serves as vice-chair of The Dollywood Foundation and The Imagination Library. He has previously served as co-chair of an executive
committee overseeing the Tennessee State Tourism Department for Governor Bill Haslam.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Keith E. Whaley</I></B> (44) served
as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007.
Dr. Whaley is the founder of the Whaley Family Eyecare in Pigeon Forge, Tennessee. He earned his undergraduate degree and his Doctor
of Optometry from the Southern College of Optometry. Dr. Whaley served as Mayor of the City of Pigeon Forge from 2007 until 2011,
and currently serves on the Board of Commissioners of the Sevier County Utility District.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Bill Carroll </I></B>(75) served as
chairman of the board of Legacy SmartFinancial starting in 2010 and as chairman and Director of Business Development of SmartBank
since its inception in 2007. Mr. Carroll began his banking career in 1963 at Hamilton National Bank in Knoxville where he was an
Assistant Vice-President and Loan Officer. He joined Citizens National Bank when it opened in 1973, serving originally as its Vice
President. He was promoted to President and CEO in 1982 and elected chairman of the board in 1995. As CEO, Mr. Carroll led Citizens
National Bank&rsquo;s senior management team in all major decision making and led Citizens National Bank through a period of growth
from three to 16 offices and more than a half billion dollars in assets when he retired in 2005. Mr. Carroll is a past president
and board member of the Tennessee Bankers Association, the past president of Bank Administration Institute (Smoky Mountain Chapter),
and past president of Ridgeway Life Insurance Company. Mr. Carroll is also a former member of the University of Tennessee Board
of Trustees.<B><I> </I></B>Mr. Carroll is the father of Billy Carroll.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Billy Carroll</I></B> (47) served
as President and Chief Executive Officer of Legacy SmartFinancial starting in 2010 and has served as President and Chief Executive
Officer of SmartBank since its inception in 2007. Mr. Carroll served as a director of Legacy SmartFinancial starting in 2010 and
has served as a director of SmartBank since its inception in 2007. A graduate of the University of Tennessee, he earned his bachelor&rsquo;s
degree in business administration. Following graduation, Mr. Carroll worked for KraftCPAs and earned his Certified Public Accountant
certification. He joined Citizens National Bank in 1992 where he held various management positions, including Executive Vice President
and Chief Financial Officer. He also served on the bank&rsquo;s board of directors. Mr. Carroll is active in the community and
served as past president of the Sevier County High School Foundation, and as a member of the Sevierville Planning Commission, and
numerous other local organizations. Mr. Carroll currently serves on the board of the Federal Reserve Bank, Nashville branch. Mr.
Carroll is the son of Bill Carroll.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>David A. Ogle</I></B> (58) served
as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007.
Mr. Ogle received his undergraduate degree from East Tennessee State University and his master&rsquo;s degree from Clemson University.
Mr. Ogle is a partner and co-founder of Five Oaks Development Group, which develops commercial real estate and tourism assets in
East Tennessee, and he is the founder of Five Oaks/Ogle, Inc., a commercial general contractor and real estate broker, which has
completed over $100 million in commercial construction since 1990. Additionally, Mr. Ogle is the co-founder and president of Oaktenn,
Inc., which owns and operates five hotels in East Tennessee; and Mr. Ogle is the co-founder and officer in Five Oaks Outlet Centers,
Inc., which owns commercial property primarily in East Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Geoffrey A. Wolpert</I></B> (59)&#9;served
as a director of Legacy SmartFinancial starting in 2010 and has served as a director of SmartBank since its inception in 2007.
Mr. Wolpert graduated from the University of South Carolina with a degree in business management. Mr. Wolpert owns two restaurants
in the Sevier County, Tennessee area: The Peddler Steakhouse and The Park Grill. Mr. Wolpert is a former board member of The First
National Bank of Gatlinburg, and he was the founding president of the Gatlinburg Gateway Foundation. He currently serves on the
executive committee of the Board of Governors of the Arrowmont School of Arts &amp; Crafts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Biographies of New Officers </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>Billy Carroll</I></B> will serve as
President and Chief Executive Officer of the Company. Information regarding Mr. Carroll and his relevant employment history is
set forth above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B><I>C. Bryan Johnson</I></B> (46) will
serve as the Company&rsquo;s Executive Vice President and Chief Financial Officer. Mr. Johnson has served as Executive Vice President
and Chief Financial Officer of SmartBank and SmartFinancial since 2010 and previously served as its Vice President and Controller.
Mr. Johnson is a 1991 graduate of the United States Military Academy at West Point with a bachelor of science in economics. After
college, he attended Officer Basic Training and Airborne School before serving as an Artillery Officer with the First Armored Division
in Europe. Following a deployment to Bosnia as the Battalion Intelligence officer, Mr. Johnson left the Army as a Captain. In 2000,
Mr. Johnson received his J.D. and MBA in Finance from the University of Tennessee. Mr. Johnson holds the Chartered Financial Analyst
Designation. Following graduate school, he joined Moon Capital Management, a registered investment advisor. He is a member of the
CFA Society of East Tennessee and a member of the West Point Society of East Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Employment Agreements</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In connection with the Merger, the Company
has assumed the employment agreements of Messrs. Billy Carroll, Bill Carroll, and Johnson. As previously disclosed, the base salaries
payable under these employment agreements are as follows: Mr. Billy Carroll will receive an initial base salary of $300,000, Mr.
Bill Carroll will receive an initial base salary of $225,000, and Mr. Johnson will receive an initial base salary of $175,000.
Additionally, each of the executive&rsquo;s employment agreements provide that, in the event that the executive terminates his
employment agreement for cause or in the event the agreement is terminated by the Company without cause, then the executive will
be entitled to a payment equal to the executive&rsquo;s annual base salary. Within 12 months following a change of control of the
Company, if the executive&rsquo;s employment is terminated without cause by the Company or with cause by the executive, then the
executive is entitled to a severance payment equal to two times the executive&rsquo;s annual base salary. Each of the employment
agreements provides that the Merger will not constitute a change of control for purposes of such agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The foregoing descriptions of the respective
employment agreements with Messrs. Billy Carroll, Bill Carroll, and Johnson does not purport to be complete and is qualified in
its entirety by reference to the full text of such agreements, which are attached respectively as Exhibits 10.2, 10.3, and 10.4
<FONT STYLE="font-family: Times New Roman, Times, Serif">to this Current Report on Form 8-K </FONT>and are incorporated herein
by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">At the Effective Time of the Merger, Miller
Welborn, the Chairman of the boards of directors of the Company and Cornerstone Community Bank, will receive an annual salary of
$200,000 and be entitled to participate in other customary benefits available to all employees of the Company and its subsidiaries.
Mr. Welborn will not enter into an employment agreement with the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Board Committees </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Effective on consummation of the Merger,
the committees of the board of directors of the Company will be reconstituted as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 23%; border-bottom: black 1pt solid">Audit Committee</TD>
    <TD STYLE="width: 1%; padding-bottom: 0.75pt">&nbsp;</TD>
    <TD STYLE="width: 24%; border-bottom: black 1pt solid">Compensation Committee</TD>
    <TD STYLE="width: 1%; padding-bottom: 0.75pt">&nbsp;</TD>
    <TD STYLE="width: 21%; border-bottom: black 1pt solid">Nominations<BR>
Committee</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 29%; border-bottom: black 1pt solid">Governance Committee</TD></TR>
<TR>
    <TD>Victor L. Barrett, Chair</TD>
    <TD>&nbsp;</TD>
    <TD>David A. Ogle, Chair</TD>
    <TD>&nbsp;</TD>
    <TD>David A. Ogle, Chair</TD>
    <TD>&nbsp;</TD>
    <TD>Monique P. Berke, Chair</TD></TR>
<TR>
    <TD>Monique P. Berke</TD>
    <TD>&nbsp;</TD>
    <TD>Victor L. Barrett</TD>
    <TD>&nbsp;</TD>
    <TD>Victor L. Barrett</TD>
    <TD>&nbsp;</TD>
    <TD>Ted C. Miller </TD></TR>
<TR>
    <TD>Ted C. Miller </TD>
    <TD>&nbsp;</TD>
    <TD>Frank S. McDonald</TD>
    <TD>&nbsp;</TD>
    <TD>Frank S. McDonald</TD>
    <TD>&nbsp;</TD>
    <TD>Frank S. McDonald</TD></TR>
<TR>
    <TD>Geoffrey A. Wolpert </TD>
    <TD>&nbsp;</TD>
    <TD>Doyce Payne</TD>
    <TD>&nbsp;</TD>
    <TD>Doyce Payne</TD>
    <TD>&nbsp;</TD>
    <TD>Keith E. Whaley </TD></TR>
<TR>
    <TD>Keith E. Whaley </TD>
    <TD>&nbsp;</TD>
    <TD>Geoffrey A. Wolpert </TD>
    <TD>&nbsp;</TD>
    <TD>Geoffrey A. Wolpert </TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Director Compensation</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Effective on consummation of the Merger,
the non-employee members of the board of directors of the Company will be entitled to $1,250 per meeting attended and $250 per
committee meeting attended. Members of the SmartBank board of directors and the Cornerstone Community Bank board of directors,
including employee-directors, will receive $1,250 per meeting attended and $250 per committee meeting attended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Assumption of Legacy SmartFinancial Stock Option Awards
and Plans</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">At the Effective Time, the Company assumed
the Legacy SmartFinancial equity incentive plans, including the SmartBank Stock Option Plan and the SmartFinancial, Inc. 2010 Incentive
Plan. A copy of the plans and forms of option award agreements are attached as Exhibits 10.5, 10.6, 10.7, and 10.8 <FONT STYLE="font-family: Times New Roman, Times, Serif">to
this Current Report on Form 8-K</FONT> and are incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 5.03 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendments
to Articles of Incorporation or Bylaws; Change in Fiscal Year </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">At the annual meeting of shareholders on
June 17, 2015, holders of Company common stock approved three amendments to the Company&rsquo;s charter, which have been filed
in connection with the Merger:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Authorized Stock Amendment</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On August 31, 2015, the Company filed an
amendment to its charter which increased the number of authorized shares of Company common stock from 20,000,000 shares to 40,000,000&nbsp;shares,
which was a condition to closing the Merger. This charter amendment is<FONT STYLE="font-family: Times New Roman, Times, Serif">
filed as Exhibit 3.1 to this Current Report on Form 8-K and is incorporated herein by reference.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Reverse Stock Split Amendment</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On August 31, 2015, prior to the Merger,
the Company filed an amendment to its charter which effectuated a four-to-one reverse split of its common stock. <FONT STYLE="font-family: Times New Roman, Times, Serif">As
a result, every four outstanding shares of the Company&rsquo;s common stock combined automatically into one share of common stock.
Each shareholder&rsquo;s percentage ownership in the Company and proportional voting power was unchanged by the reverse stock split,
except for minor changes and adjustments resulting from the treatment of fractional shares. </FONT>This charter amendment is<FONT STYLE="font-family: Times New Roman, Times, Serif">
filed as Exhibit 3.2 to this Current Report on Form 8-K and is incorporated herein by reference.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Company effectuated the reverse stock
split in order to bring the Company&rsquo;s common stock price in line with the listing requirements of the Nasdaq Capital Market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>Amendment and Restatement of the Company&rsquo;s Charter
</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in">Effective August 31, 2015 and in connection
with the consummation of the Merger, the Company amended and restated its charter (the &ldquo;<B><I>Amended and Restated Charter</I></B>&rdquo;).
A copy of the Amended and Restated Charter is included as Exhibit&nbsp;3.3 <FONT STYLE="font-family: Times New Roman, Times, Serif">to
this Current Report on Form 8-K </FONT>and is incorporated herein by reference. The Amended and Restated Charter was a condition
to closing the Merger, and among things, the amendments to the charter: (1) consolidated the foregoing amendments into a single
instrument, as appropriate; (2) changed the name of the Company to &ldquo;SmartFinancial, Inc.&rdquo;; (3) changed the principal
office of the Company to Knoxville, Tennessee; and (4) set forth the preferences, limitations and relative rights of the Company&rsquo;s
preferred stock issued in exchange for the Legacy SmartFinancial preferred stock in connection with the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 8.01 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
Events</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0.5in">On August 31, 2015
and in connection with the Merger, the Company redeemed all of the issued and outstanding shares of the Company&rsquo;s Series
A Convertible Preferred Stock (&ldquo;<B><I>Series A Preferred Stock</I></B>&rdquo;). On July 31, 2015, the Company distributed
the notice of redemption to holders of record of Series A Preferred Stock announcing the redemption of all 600,000 outstanding
shares of Series A Preferred Stock at a redemption price of $26.042 per share. &nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On September&nbsp;2, 2015, the Company issued
a press release announcing the consummation of the merger of the Company and Legacy SmartFinancial. A copy of the press release
is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On September 2, 2015, the Company filed
an application to list its common stock for trading on the Nasdaq Capital Market under the symbol &ldquo;SMBK&rdquo;. Such listing
is subject to review by Nasdaq and dependent on the Company meeting all of the necessary listing requirements of the Nasdaq Capital
Market. Accordingly, there can be no guarantee that the Company&rsquo;s application for listing on the Nasdaq Capital Market will
be successful. The Company has applied to list on Nasdaq to enhance trading liquidity and market visibility. The Company intends
to complete this process as soon as possible.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 9.01 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>(a) Financial Statements of Businesses Acquired</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Financial statements of the business acquired
will be filed by amendment to this Report no later than 71 days following the date that this Report is required to be filed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>(b) Pro Forma Financial Information</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Pro forma financial information will be
filed by amendment to this Report no later than 71 days following the date that this Report is required to be filed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>(c) Shell Company Transactions</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Not applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>(d) Exhibits</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="width: 12%; border-bottom: Black 1pt solid"><B>Exhibit No.</B></TD>
    <TD NOWRAP STYLE="width: 2%">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 86%; border-bottom: Black 1pt solid"><B>Description</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.1</TD>
    <TD>&nbsp;</TD>
    <TD>Agreement and Plan of Merger, dated as of December 5, 2014, by and among SmartFinancial, Inc., SmartBank, Cornerstone Bancshares, Inc. and Cornerstone Community Bank<SUP>(1)</SUP>+</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.2</TD>
    <TD>&nbsp;</TD>
    <TD>Loan Agreement, dated as of August 28, 2015, by and between Cornerstone Bancshares, Inc. (to be renamed SmartFinancial, Inc.) and CapStar Bank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.3</TD>
    <TD>&nbsp;</TD>
    <TD>Line of Credit Note, dated as of August 28, 2015*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.4</TD>
    <TD>&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Stock Pledge and Security Agreement, dated August 28,
2015, by and between Cornerstone Bancshares, Inc. (to be renamed SmartFinancial, Inc.) and CapStar Bank*</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.5</TD>
    <TD>&nbsp;</TD>
    <TD>Stock Pledge and Security Agreement, effective as of September 1, 2015, by and between SmartFinancial, Inc. and CapStar Bank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.1</TD>
    <TD>&nbsp;</TD>
    <TD>Articles of Amendment to the Amended and Restated Charter of Cornerstone Bancshares, Inc. increasing the number of authorized shares*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.2</TD>
    <TD>&nbsp;</TD>
    <TD>Articles of Amendment to the Amended and Restated Charter of Cornerstone Bancshares, Inc. effectuating a four-to-one reverse stock split*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.3</TD>
    <TD>&nbsp;</TD>
    <TD>Second Amended and Restated Charter of SmartFinancial, Inc.*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>4.1</TD>
    <TD>&nbsp;</TD>
    <TD>Form of Stock Certificate of SmartFinancial, Inc.&rsquo;s Senior Non-Cumulative Perpetual Preferred Stock, Series B*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.1</TD>
    <TD>&nbsp;</TD>
    <TD>Assignment and Assumption Agreement by and between Cornerstone Bancshares, Inc. and SmartFinancial, Inc., dated August 31, 2015, with respect to that certain Securities Purchase Agreement, dated as of August 4, 2011, by and between The United States Secretary of the Treasury and SmartFinancial, Inc.*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.2</TD>
    <TD>&nbsp;</TD>
    <TD>Employment Agreement, dated as of February 1, 2015, by and among William Y. Carroll, Jr., SmartFinancial, Inc. and SmartBank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.3</TD>
    <TD>&nbsp;</TD>
    <TD>Employment Agreement, dated as of February 1, 2015, by and among William Y. Carroll, Sr., SmartFinancial, Inc. and SmartBank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.4</TD>
    <TD>&nbsp;</TD>
    <TD>Employment Agreement, dated as of February 1, 2015, by and among C. Bryan Johnson, SmartFinancial, Inc. and SmartBank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.5</TD>
    <TD>&nbsp;</TD>
    <TD>SmartBank Stock Option Plan*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.6</TD>
    <TD>&nbsp;</TD>
    <TD>SmartFinancial, Inc. 2010 Incentive Plan*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.7</TD>
    <TD>&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Form of SmartFinancial Management Incentive Stock Option
Agreement*</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.8</TD>
    <TD>&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Form of SmartBank Management Incentive Stock Option
Agreement*</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>99.1</TD>
    <TD>&nbsp;</TD>
    <TD>Press release dated September 2, 2015 by SmartFinancial, Inc.*</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">* Filed herewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">+ The Schedules have been omitted pursuant to Item 601(b)(2)
of Regulation S-K</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><SUP>(1)</SUP></TD><TD STYLE="text-align: justify">Incorporated by reference to the registrant&rsquo;s Appendix
A to Form S-4 filed with the Securities and Exchange Commission on April 16, 2015</TD>
</TR></TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SIGNATURES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 50%"><B>SMARTFINANCIAL, INC.</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Date: September 2, 2015</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ William Y. Carroll Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>William Y. Carroll, Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><I>President &amp; Chief Executive Officer</I></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>EXHIBIT INDEX</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.2pt; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 12%; border-bottom: Black 1pt solid"><B>Exhibit No.</B></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 86%; border-bottom: Black 1pt solid"><B>Description</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.1</TD>
    <TD>&nbsp;</TD>
    <TD>Agreement and Plan of Merger, dated as of December 5, 2014, by and among SmartFinancial, Inc., SmartBank, Cornerstone Bancshares, Inc. and Cornerstone Community Bank<SUP>(1)</SUP>+</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.2</TD>
    <TD>&nbsp;</TD>
    <TD>Loan Agreement, dated as of August 28, 2015, by and between Cornerstone Bancshares, Inc. (to be renamed SmartFinancial, Inc.) and CapStar Bank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.3</TD>
    <TD>&nbsp;</TD>
    <TD>Line of Credit Note, dated as of August 28, 2015*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.4</TD>
    <TD>&nbsp;</TD>
    <TD>Stock Pledge and Security Agreement, dated August 28, 2015, by and between Cornerstone Bancshares, Inc. (to be renamed SmartFinancial, Inc.) and CapStar Bank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.5</TD>
    <TD>&nbsp;</TD>
    <TD>Stock Pledge and Security Agreement, effective as of September 1, 2015, by and between SmartFinancial, Inc. and CapStar Bank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.1</TD>
    <TD>&nbsp;</TD>
    <TD>Articles of Amendment to the Amended and Restated Charter of Cornerstone Bancshares, Inc. increasing the number of authorized shares*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.2</TD>
    <TD>&nbsp;</TD>
    <TD>Articles of Amendment to the Amended and Restated Charter of Cornerstone Bancshares, Inc. effectuating a four-to-one reverse stock split*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>3.3</TD>
    <TD>&nbsp;</TD>
    <TD>Second Amended and Restated Charter of SmartFinancial, Inc.*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>4.1</TD>
    <TD>&nbsp;</TD>
    <TD>Form of Stock Certificate of SmartFinancial, Inc.&rsquo;s Senior Non-Cumulative Perpetual Preferred Stock, Series B*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.1</TD>
    <TD>&nbsp;</TD>
    <TD>Assignment and Assumption Agreement by and between Cornerstone Bancshares, Inc. and SmartFinancial, Inc., dated August 31, 2015, with respect to that certain Securities Purchase Agreement, dated as of August 4, 2011, by and between The United States Secretary of the Treasury and SmartFinancial, Inc.*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.2</TD>
    <TD>&nbsp;</TD>
    <TD>Employment Agreement, dated as of February 1, 2015, by and among William Y. Carroll, Jr., SmartFinancial, Inc. and SmartBank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.3</TD>
    <TD>&nbsp;</TD>
    <TD>Employment Agreement, dated as of February 1, 2015, by and among William Y. Carroll, Sr., SmartFinancial, Inc. and SmartBank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.4</TD>
    <TD>&nbsp;</TD>
    <TD>Employment Agreement, dated as of February 1, 2015, by and among C. Bryan Johnson, SmartFinancial, Inc. and SmartBank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.5</TD>
    <TD>&nbsp;</TD>
    <TD>SmartBank Stock Option Plan*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.6</TD>
    <TD>&nbsp;</TD>
    <TD>SmartFinancial, Inc. 2010 Incentive Plan*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.7</TD>
    <TD>&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Form of SmartFinancial Management Incentive Stock Option
Agreement*</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>10.8</TD>
    <TD>&nbsp;</TD>
    <TD>Form of SmartBank Management Incentive Stock Option Agreement*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>99.1</TD>
    <TD>&nbsp;</TD>
    <TD>Press release dated September 2, 2015 by SmartFinancial, Inc.*</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">* Filed herewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">+ The Schedules have been omitted pursuant to Item 601(b)(2)
of Regulation S-K.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><SUP>(1)</SUP></TD><TD STYLE="text-align: justify">Incorporated by reference to the registrant&rsquo;s Appendix
A to Form S-4 filed with the Securities and Exchange Commission on April 16, 2015.</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 17.1pt; text-align: justify; text-indent: -17.1pt">&nbsp;</P>


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<TYPE>EX-2.2
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<FILENAME>v419670_ex2-2.htm
<DESCRIPTION>EXHIBIT 2.2
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 2.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">LOAN AGREEMENT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">dated as of August 28, 2015</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">among</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CORNERSTONE BANCSHARES, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">as Borrower</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CAPSTAR BANK</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">as Lender</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 15%">ARTICLE I.</TD>
    <TD STYLE="width: 75%; padding-left: 0in">DEFINITIONS; CONSTRUCTION</TD>
    <TD STYLE="width: 10%; text-align: right; vertical-align: bottom">1</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 1.1.</TD>
    <TD STYLE="padding-left: 0.125in">Definitions</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">1</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 1.2.</TD>
    <TD STYLE="padding-left: 0.125in">Accounting Terms and Determination</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">14</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 1.3.</TD>
    <TD STYLE="padding-left: 0.125in">Terms Generally</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">15</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0.125in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>ARTICLE II.</TD>
    <TD STYLE="padding-left: 0in">AMOUNT AND TERMS OF THE LOANS</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">15</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 2.1.</TD>
    <TD STYLE="padding-left: 0.125in">Commitment</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">15</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 2.2.</TD>
    <TD STYLE="padding-left: 0.125in">Procedure for Borrowings</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">15</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 2.3.</TD>
    <TD STYLE="padding-left: 0.125in">Funding of Borrowings</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">15</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 2.4.</TD>
    <TD STYLE="padding-left: 0.125in">Reserved.</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">15</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 2.5.</TD>
    <TD STYLE="padding-left: 0.125in">Repayment and Prepayments of Borrowings</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">15</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 2.6.</TD>
    <TD STYLE="padding-left: 0.125in">Interest on Borrowings</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">17</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 2.8.</TD>
    <TD STYLE="padding-left: 0.125in">Computation of Interest and Fees</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">17</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 2.9.</TD>
    <TD STYLE="padding-left: 0.125in">Closing Fee.&nbsp;&nbsp;On the Effective Date, the Borrower shall pay to Lender a fully earned and non-refundable closing fee of $2,500 in immediately available funds.</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">17</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 2.10.</TD>
    <TD STYLE="padding-left: 0.125in">Evidence of Indebtedness</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">18</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 2.11.</TD>
    <TD STYLE="padding-left: 0.125in">Reserved.</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">18</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 2.12.</TD>
    <TD STYLE="padding-left: 0.125in">Reserved.</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">18</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 2.13.</TD>
    <TD STYLE="padding-left: 0.125in">Reserved.</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">18</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 2.14.</TD>
    <TD STYLE="padding-left: 0.125in">Taxes</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">18</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 2.15.</TD>
    <TD STYLE="padding-left: 0.125in">Payments Generally</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">19</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 2.16.</TD>
    <TD STYLE="padding-left: 0.125in">Mitigation of Obligations</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">19</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0.125in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>ARTICLE III.</TD>
    <TD STYLE="padding-left: 0in">CONDITIONS PRECEDENT TO EFFECTIVENESS</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">19</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 3.1.</TD>
    <TD STYLE="padding-left: 0.125in">Conditions To Effectiveness</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">19</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 3.2.</TD>
    <TD STYLE="padding-left: 0.125in">Line of Credit Borrowing</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">21</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 3.3.</TD>
    <TD STYLE="padding-left: 0.125in">Reserved</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">22</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0.125in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>ARTICLE IV.</TD>
    <TD STYLE="padding-left: 0in">REPRESENTATIONS AND WARRANTIES</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">22</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 4.1.</TD>
    <TD STYLE="padding-left: 0.125in">Existence; Power</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">22</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 4.2.</TD>
    <TD STYLE="padding-left: 0.125in">Organizational Power; Authorization</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">22</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 4.3.</TD>
    <TD STYLE="padding-left: 0.125in">Governmental Approvals; No Conflicts</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">22</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 4.4.</TD>
    <TD STYLE="padding-left: 0.125in">Financial Statements</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">23</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 4.5.</TD>
    <TD STYLE="padding-left: 0.125in">Litigation Matters and Enforcement Actions</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">23</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 4.6.</TD>
    <TD STYLE="padding-left: 0.125in">Compliance with Laws and Agreements</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">23</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 4.7.</TD>
    <TD STYLE="padding-left: 0.125in">Investment Company Act</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">24</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 4.8.</TD>
    <TD STYLE="padding-left: 0.125in">Taxes</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">24</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 4.9.</TD>
    <TD STYLE="padding-left: 0.125in">Margin Regulations</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">24</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 4.10.</TD>
    <TD STYLE="padding-left: 0.125in">ERISA</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">24</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 4.11.</TD>
    <TD STYLE="padding-left: 0.125in">Disclosure</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">25</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 4.12.</TD>
    <TD STYLE="padding-left: 0.125in">Subsidiaries</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">25</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 4.13.</TD>
    <TD STYLE="padding-left: 0.125in">Dividend Restrictions; Other Restrictions</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">25</TD></TR>
</TABLE>

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    <TD STYLE="padding-left: 9pt; width: 15%">Section 4.14.</TD>
    <TD STYLE="padding-left: 0.125in; width: 75%">Capital Measures</TD>
    <TD STYLE="text-align: right; vertical-align: bottom; width: 10%">26</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 4.15.</TD>
    <TD STYLE="padding-left: 0.125in">FDIC Insurance</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">26</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 4.16.</TD>
    <TD STYLE="padding-left: 0.125in">Ownership of Property</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">26</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 4.17.</TD>
    <TD STYLE="padding-left: 0.125in">OFAC</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">26</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 4.18.</TD>
    <TD STYLE="padding-left: 0.125in">Patriot Act</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">27</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 4.19.</TD>
    <TD STYLE="padding-left: 0.125in">Solvency</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">27</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0.125in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>ARTICLE V.</TD>
    <TD STYLE="padding-left: 0in">AFFIRMATIVE COVENANTS</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">27</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 5.1.</TD>
    <TD STYLE="padding-left: 0.125in">Financial Statements and Other Information</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">27</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 5.2.</TD>
    <TD STYLE="padding-left: 0.125in">Notices of Material Events</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">28</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 5.3.</TD>
    <TD STYLE="padding-left: 0.125in">Existence; Conduct of Business</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">29</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 5.4.</TD>
    <TD STYLE="padding-left: 0.125in">Compliance with Laws, Etc</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">29</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 5.5.</TD>
    <TD STYLE="padding-left: 0.125in">Payment of Obligations</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">30</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 5.6.</TD>
    <TD STYLE="padding-left: 0.125in">Books and Records</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">30</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 5.7.</TD>
    <TD STYLE="padding-left: 0.125in">Visitation, Inspection, Etc</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">30</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 5.8.</TD>
    <TD STYLE="padding-left: 0.125in">Maintenance of Properties; Insurance</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">30</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 5.9.</TD>
    <TD STYLE="padding-left: 0.125in">Use of Proceeds</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">30</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 5.11.</TD>
    <TD STYLE="padding-left: 0.125in">SmartFinancial Acquisition.&nbsp;&nbsp;On or before the date which is 15 days after the Line of Credit Closing Date, the Borrower shall have delivered to Lender</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">31</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 5.12.</TD>
    <TD STYLE="padding-left: 0.125in">Further Assurances</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">31</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0.125in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>ARTICLE VI.</TD>
    <TD STYLE="padding-left: 0in">FINANCIAL COVENANTS</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">31</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 6.1.</TD>
    <TD STYLE="padding-left: 0.125in">Ratio of Nonperforming Assets to Total Assets</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">31</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 6.2.</TD>
    <TD STYLE="padding-left: 0.125in">Texas Ratio</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">31</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 6.3.</TD>
    <TD STYLE="padding-left: 0.125in">Liquidity Ratio</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">31</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 6.4.</TD>
    <TD STYLE="padding-left: 0.125in">Return on Average Assets</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">31</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 6.5.</TD>
    <TD STYLE="padding-left: 0.125in">Debt Service Coverage Ratio</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">32</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 6.6.</TD>
    <TD STYLE="padding-left: 0.125in">Regulatory Capital</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">32</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 6.7.</TD>
    <TD STYLE="padding-left: 0.125in">Interest Coverage Ratio</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">33</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0.125in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>ARTICLE VII.</TD>
    <TD STYLE="padding-left: 0in">NEGATIVE COVENANTS</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">33</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 7.1.</TD>
    <TD STYLE="padding-left: 0.125in">Indebtedness</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">33</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 7.2.</TD>
    <TD STYLE="padding-left: 0.125in">Negative Pledge</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">33</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 7.3.</TD>
    <TD STYLE="padding-left: 0.125in">Fundamental Changes</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">34</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 7.4.</TD>
    <TD STYLE="padding-left: 0.125in">Restricted Payments</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">35</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 7.5.</TD>
    <TD STYLE="padding-left: 0.125in">Restrictive Agreements</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">35</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 7.6.</TD>
    <TD STYLE="padding-left: 0.125in">Investments, Etc</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">35</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 7.7.</TD>
    <TD STYLE="padding-left: 0.125in">Transactions with Affiliates</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">36</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 7.8.</TD>
    <TD STYLE="padding-left: 0.125in">Hedging Transactions</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">37</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 7.9.</TD>
    <TD STYLE="padding-left: 0.125in">Unsafe and Unsound Practices</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">37</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 7.10.</TD>
    <TD STYLE="padding-left: 0.125in">Most Favored Lender Status</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">37</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0.125in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>ARTICLE VIII.</TD>
    <TD STYLE="padding-left: 0in">EVENTS OF DEFAULT</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">37</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 8.1.</TD>
    <TD STYLE="padding-left: 0.125in">Events of Default</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">37</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 0.125in">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>ARTICLE IX.</TD>
    <TD STYLE="padding-left: 0in">RESERVED</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">40</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt; width: 15%">&nbsp;</TD>
    <TD STYLE="padding-left: 0.125in; width: 75%">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom; width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>ARTICLE X.</TD>
    <TD STYLE="padding-left: 0in">MISCELLANEOUS</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">40</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 10.1.</TD>
    <TD STYLE="padding-left: 0.125in">Notices</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">40</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 10.2.</TD>
    <TD STYLE="padding-left: 0.125in">Waiver; Amendments</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">42</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 10.3.</TD>
    <TD STYLE="padding-left: 0.125in">Expenses; Indemnification</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">43</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 10.4.</TD>
    <TD STYLE="padding-left: 0.125in">Successors and Assigns</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">44</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 10.5.</TD>
    <TD STYLE="padding-left: 0.125in">Governing Law; Jurisdiction; Consent to Service of Process</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">44</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 10.6.</TD>
    <TD STYLE="padding-left: 0.125in">WAIVER OF JURY TRIAL</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">45</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 10.7.</TD>
    <TD STYLE="padding-left: 0.125in">Right of Setoff</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">45</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 10.8.</TD>
    <TD STYLE="padding-left: 0.125in">Counterparts; Integration</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">45</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 10.9.</TD>
    <TD STYLE="padding-left: 0.125in">Survival</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">45</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 10.10.</TD>
    <TD STYLE="padding-left: 0.125in">Severability</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">46</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 10.11.</TD>
    <TD STYLE="padding-left: 0.125in">Confidentiality</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">46</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt">Section 10.12.</TD>
    <TD STYLE="padding-left: 0.125in">Waiver of Effect of Corporate Seal</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">46</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-left: 9pt">Section 10.13.</TD>
    <TD STYLE="padding-left: 0.125in">Patriot Act</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">47</TD></TR>
</TABLE>


<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Schedules</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -1.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 22%; text-align: justify; text-indent: 0in; padding-left: 0.375in">Schedule 4.12</TD>
    <TD STYLE="width: 5%; text-align: center">-</TD>
    <TD STYLE="width: 73%; text-align: justify; text-indent: 0in">Subsidiaries</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in; padding-left: 0.375in">Schedule 7.1</TD>
    <TD STYLE="text-align: center">-</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">Outstanding Indebtedness</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in; padding-left: 0.375in">Schedule 7.7</TD>
    <TD STYLE="text-align: center">-</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">Transactions with Affiliates</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Exhibits</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: justify; text-indent: -1.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in; padding-left: 0.375in; width: 22%">Exhibit A</TD>
    <TD STYLE="width: 5%; text-align: center">-</TD>
    <TD STYLE="width: 73%; text-align: justify; text-indent: 0in">Form of Line of Credit Note</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in; padding-left: 0.375in">Exhibit 2.2</TD>
    <TD STYLE="text-align: center">-</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">Form of Notice of Borrowing</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in; padding-left: 0.375in">Exhibit 3.1(b)(viii)</TD>
    <TD STYLE="text-align: center">-</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">Form of Officer&rsquo;s Certificate (Effective Date)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in; padding-left: 0.375in">Exhibit 3.2(b)</TD>
    <TD STYLE="text-align: center">-</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">Form of Officer&rsquo;s Certificate (Closing Date)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in; padding-left: 0.375in">Exhibit 5.1(d)</TD>
    <TD STYLE="text-align: center">-</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">Form of Compliance Certificate</TD></TR>
</TABLE>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>LOAN AGREEMENT</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>THIS LOAN AGREEMENT</B>
(this &ldquo;<U>Agreement</U>&rdquo;) is made and entered into as of August 28, 2015, by and among CORNERSTONE BANCSHARES, INC.,
a Tennessee corporation to be re-named &ldquo;SmartFinancial, Inc.&rdquo; pursuant to the SmartFinancial Merger (as defined herein),
(along with its successors and assigns, the &ldquo;<U>Borrower</U>&rdquo;), and CAPSTAR BANK, a Tennessee banking corporation,
and <FONT STYLE="font-size: 10pt">along with its successors and assigns, </FONT>the &ldquo;<U>Lender</U>&rdquo;).</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>WITNESSETH:</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS, </B>promptly
following the Effective Date, the SmartFinancial Merger (as defined herein) shall occur whereby SmartFinancial (as defined herein)
shall merge with and into the Borrower pursuant to that certain Agreement and Plan of Merger by and among SmartFinancial, SmartBank
(as defined herein), the Borrower and CCB (as defined herein) dated as of December 5, 2014 (the &ldquo;<U>Merger Agreement</U>&rdquo;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, in
connection with the SmartFinancial Merger and pursuant to the Merger Agreement, the Borrower shall change its name to &ldquo;SmartFinancial,
Inc.&rdquo;;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>WHEREAS</B>, the
Borrower has requested that the Lender, and the Lender has agreed subject to the terms and conditions of this Agreement, to provide
a line of credit facility in an original principal amount of up to Eight Million Dollars and 00/100 ($8,000,000); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>NOW, THEREFORE</B>,
in consideration of the premises and the mutual covenants herein contained, the Borrower and the Lender agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
I.&nbsp;&nbsp;&nbsp;<U>DEFINITIONS; CONSTRUCTION</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 1.1.&nbsp;&nbsp;&nbsp;&nbsp;Definitions</B>.
In addition to the other terms defined herein, the following terms used herein shall have the meanings herein specified (to be
equally applicable to both the singular and plural forms of the terms defined):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Accounting
Firm</I></B>&rdquo; shall mean Mauldin &amp; Jenkins, LLC, or other independent public accountants of regionally recognized standing
or otherwise with the prior written consent of the Lender, not to be unreasonably withheld, conditioned or delayed, and engaged
by the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Acquisition</I></B>&rdquo;
shall mean, other than the SmartFinancial Merger, any transaction or a series of related transactions for the purpose of, or resulting,
directly or indirectly, in (a) the acquisition of all or substantially all of the assets of a Person, or of any business or division
of any Person, (b) the acquisition of greater than 50% of the capital stock, partnership interest, membership interest or other
equity interests of any Person, or otherwise causing a Person to become a Subsidiary, or (c) a merger or consolidation of, or any
other combination with, another Person (other than a Person that is a Subsidiary), provided that the Borrower or any Subsidiary
is the surviving entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Additional
Covenant</I></B>&rdquo; shall mean any affirmative or negative covenant or similar restriction applicable to the Borrower or any
of its Subsidiaries (regardless of whether such provision is labeled or otherwise characterized as a covenant) the subject matter
of which either (i) is similar to that of any covenant in <U>Articles V</U>, <U>VI</U> or <U>VII</U> of this Agreement, or related
definitions in <U>Section 1.1</U> of this Agreement, but contains one or more percentages, amounts or formulas that is more restrictive
than those set forth herein or more beneficial to the holder or holders of the Indebtedness of the Borrower or its Subsidiaries
created or evidenced by the document in which such covenant or similar restriction is contained (and such covenant or similar restriction
shall be deemed an Additional Covenant only to the extent that it is more restrictive or more beneficial) or (ii) is different
from the subject matter of any covenant in <U>Articles V</U>, <U>VI</U> or <U>VII</U> of this Agreement, or related definitions
in <U>Section 1.1</U> of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Additional
Default</I></B>&rdquo; shall mean any provision contained in any document or instrument creating or evidencing Indebtedness of
the Borrower or any of its Subsidiaries which permits the holder or holders of such Indebtedness to accelerate (with the passage
of time or giving of notice or both) the maturity thereof or otherwise requires the Borrower or any of its Subsidiaries to purchase
such Indebtedness prior to the stated maturity thereof and which either (i) is similar to any Default or Event of Default contained
in <U>Article VIII</U> of this Agreement, or related definitions in <U>Section 1.1</U> of this Agreement, but contains one or more
percentages, amounts or formulas that is more restrictive or has a shorter grace period than those set forth herein or is more
beneficial to the holder or holders of such other Indebtedness (and such provision shall be deemed an Additional Default only to
the extent that it is more restrictive or more beneficial) or (ii) is different from the subject matter of any Default or Event
of Default contained in <U>Article VIII</U> of this Agreement, or related definitions in <U>Section 1.1</U> of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Affiliate</I></B>&rdquo;
shall mean, as to any Person, any other Person that directly, or indirectly through one or more intermediaries, Controls, is Controlled
by, or is under common Control with, such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Allowance
for Loan and Lease Losses</B>&rdquo;</I> shall mean the total amount of the Financial Institution Subsidiary&rsquo;s allowance
for loan and lease losses as reported in Schedule RC of the Call Report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Amortization
Payment</I></B>&rdquo; shall have the meaning given to it in <U>Section 2.5(a)(ii).</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Bank</B>&rdquo;<B>
</B></I>shall mean CCB and, after giving effect to the SmartFinancial Merger, SmartBank, collectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Borrowing</B>&rdquo;</I>
shall mean a Line of Credit Borrowing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Business
Day</I></B>&rdquo; shall mean (i) any day other than a Saturday, Sunday or other day on which commercial banks in Nashville, Tennessee
or New York, New York are authorized or required by law to close.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Call Report</I></B>&rdquo;
shall mean, with respect to each Financial Institution Subsidiary, the &ldquo;Consolidated Reports of Condition and Income&rdquo;
(FFIEC Form 031 or 041 or any successor form of the Federal Financial Institutions Examination Council).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>CCB</I></B>&rdquo;
shall mean Cornerstone Community Bank, a Tennessee chartered commercial bank and wholly-owned subsidiary of the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Change
in Control</I></B>&rdquo; shall mean (a) with respect to the Borrower, the occurrence of one or more of the following events: (i)
any sale, lease, exchange or other transfer (in a single transaction or a series of related transactions) of all or a material
portion of the assets of the Borrower to any Person or &ldquo;group&rdquo; (within the meaning of the Securities Exchange Act of
1934 and the rules of the Securities and Exchange Commission thereunder in effect on the date hereof), (ii) other than in connection
with the SmartFinancial Merger, the acquisition of ownership, directly or indirectly, beneficially or of record, by any Person
or &ldquo;group&rdquo; (within the meaning of the Securities Exchange Act of 1934 and the rules of the Securities and Exchange
Commission thereunder as in effect on the date hereof) of 25% or more of the outstanding shares of the voting stock of the Borrower
or (iii) (A) before the SmartFinancial Merger, occupation of a majority of the seats (other than vacant seats) on the board of
directors of the Borrower by Persons who were neither (1) nominated by the Borrower&rsquo;s board of directors as constituted as
of the Effective Date or (2) appointed by directors so nominated, or (B) after the SmartFinancial Merger, a change in any twelve
(12) month period of a majority of the seats (other than vacant seats) on the board of directors of the Borrower by Persons who
were neither (1) nominated pursuant to the Merger Agreement or (2) appointed by directors so nominated; or (b) the Borrower shall
own, directly or indirectly, less than 100% of the voting stock of any Financial Institution Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Change
in Law</I></B>&rdquo; shall mean (i) the adoption of any applicable law, rule or regulation after the date of this Agreement, (ii)
any change in any applicable law, rule or regulation, or any change in the interpretation or application thereof, by any Governmental
Authority after the date of this Agreement, or (iii) compliance by Lender with any request, guideline or directive (whether or
not having the force of law) of any Governmental Authority made or issued after the date of this Agreement; <U>provided</U>, <U>however</U>,
that notwithstanding anything herein to the contrary, (x) the Dodd-Frank Wall Street Reform and Consumer Protection Act and all
requests, rules, guidelines or directives thereunder or issued in connection therewith and (y) all requests, rules, guidelines
or directives promulgated by the Bank for International Settlements, the Basel Committee on Banking Supervision (or any successor
or similar authority) or the United States regulatory authorities, in each case pursuant to Basel III, shall in each case be deemed
to be a &ldquo;Change in Law,&rdquo; regardless of the date enacted, adopted or issued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Closing
Date Stock Pledge and Security Agreement</I></B>&rdquo; means that certain Stock Pledge and Security Agreement dated the date hereof,
by the Borrower as pledgor in favor of the Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Code</I></B>&rdquo;
shall mean the Internal Revenue Code of 1986, as amended and in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&ldquo;<I>Compliance
Certificate</I></B>&rdquo; shall mean a certificate from the Chief Financial Officer or the President of the Borrower in the form
of, and containing the certifications set forth in, the certificate attached hereto as <U>Exhibit 5.1(d)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Contractual
Obligation</I></B>&rdquo; of any Person shall mean any provision of any security issued by such Person or of any agreement, instrument
or undertaking under which such Person is obligated or by which it or any of the property in which it has an interest is bound.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Control</I></B>&rdquo;
shall mean the power, directly or indirectly, to direct or cause the direction of the management and policies of a Person, whether
through the ability to exercise voting power, by contract or otherwise. The terms &ldquo;<B><I>Controlling</I></B>&rdquo;, &ldquo;<B><I>Controlled
by</I></B>&rdquo;, and &ldquo;<B><I>under common Control with</I></B>&rdquo; have meanings correlative thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Debt Service
Coverage Ratio</B>&rdquo;</I> shall mean for each Semiannual Period, commencing on December 31, 2015 the net income of the Borrower,
plus the interest expenses incurred by the Borrower; divided by the Amortization Payments and all cash interest payments made by
the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Default</I></B>&rdquo;
shall mean any condition or event that, with the giving of notice or the lapse of time or both, would constitute an Event of Default.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Default
Interest</I></B>&rdquo; shall have the meaning set forth in <U>Section 2.6(d)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Dollar(s)</I></B>&rdquo;
and the sign &ldquo;<B><I>$</I></B>&rdquo; shall mean lawful money of the United States of America.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Effective
Date</I></B>&rdquo; shall mean the date on which the conditions precedent set forth in <U>Section 3.1</U> have been satisfied or
waived in accordance with the terms of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Employee
Benefit Plan</I></B>&rdquo; shall have that meaning as defined in Section 3(3) of ERISA and for which the Borrower or an ERISA
Affiliate maintains, contributes to or has an obligation to contribute to on behalf of participants who are or were employed by
the Borrower or its ERISA Affiliates or on behalf of beneficiaries of such participants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Environmental
Laws</I></B>&rdquo; shall mean all laws, rules, regulations, codes, ordinances, orders, decrees, judgments, injunctions, notices
or binding agreements issued, promulgated or entered into by or with any Governmental Authority, relating in any way to the environment,
preservation or reclamation of natural resources, the management, Release or threatened Release of any Hazardous Material or to
health and safety matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Environmental
Liability</I></B>&rdquo; shall mean any liability, contingent or otherwise (including any liability for damages, costs of environmental
investigation and remediation, costs of administrative oversight, fines, natural resource damages, penalties or indemnities), of
the Borrower or any Subsidiary directly or indirectly resulting from or based upon (a) any actual or alleged violation of any Environmental
Law, (b) the generation, use, handling, transportation, storage, treatment or disposal of any Hazardous Materials, (c) any actual
or alleged exposure to any Hazardous Materials, (d) the Release or threatened Release of any Hazardous Materials or (e) any contract,
agreement or other consensual arrangement pursuant to which liability is assumed or imposed with respect to any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&ldquo;<B><I>Equity Interests</I></B>&rdquo;
means shares of capital stock, partnership interests, membership interests in a limited liability company, beneficial interests
in a trust or other equity ownership interests in a Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>ERISA</I></B>&rdquo;
shall mean the Employee Retirement Income Security Act of 1974, as amended from time to time, and any successor statute including
any regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>ERISA
Affiliate</I></B>&rdquo; shall mean any trade or business (whether or not incorporated), which, together with the Borrower, is
treated as a single employer under Section 414(b) or (c) of the Code or, solely for the purposes of Section 303 of ERISA and Section
430 of the Code, is treated as a single employer under Section 414 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>ERISA
Event</I></B>&rdquo; shall mean with respect to the Borrower or any ERISA Affiliate, (i) any &ldquo;reportable event&rdquo;, as
defined in Section 4043 of ERISA with respect to a Plan (other than an event for which the 30-day notice period is waived); (ii)
the failure to make required contributions when due to a Multiemployer Plan or Plan or the imposition of a Lien in favor of a Plan
under Section 430(k) of the Code or Section 303(k) of ERISA; (iii) the filing pursuant to Section 412(c) of the Code or Section
302(c) of ERISA of an application for a waiver of the minimum funding standard with respect to any Plan; (iv) the imposition of
any liability under Title IV of ERISA, other than for PBGC premiums due but not delinquent under Section 4007 of ERISA, or the
imposition of an Lien in favor of the PBGC under Title IV of ERISA; (v) the receipt from the PBGC or a plan administrator appointed
by the PBGC of any notice relating to an intention to terminate any Plan or Plans or to appoint a trustee to administer any Plan;
(vi) any other event or condition that might reasonably be expected to constitute grounds under Section 4042 of ERISA for the termination
of, or the appointment of a trustee to administer, any Plan or Multiemployer Plan or for the imposition of liability under Section
4069 or 4212(c) of ERISA; (vii) the incurrence of any liability with respect to the withdrawal or partial withdrawal from any Plan
including the withdrawal from a Plan subject to Section 4063 of ERISA during a plan year in which it was a substantial employer,
as defined in Section 4001(a)(2) of ERISA, or a cessation of operations that is treated as such a withdrawal under Section 4062(e)
of ERISA; (viii) or the incurrence of any Withdrawal Liability with respect to any Multiemployer Plan; (ix) the receipt of any
notice, concerning the imposition of Withdrawal Liability or a determination that a Multiemployer Plan is, or is expected to be,
insolvent (within the meaning of Section 4245 of ERISA) or in reorganization (within the meaning of Section 4241 of ERISA), or
in &ldquo;critical&rdquo; status (within the meaning of Section 432 of the Code or Section 305 of ERISA); or (x) a determination
that a Plan is, or is reasonably expected to be, in &ldquo;at risk&rdquo; status (within the meaning of Section 430 of the Code
or Section 303 of ERISA).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Event
of Default</I></B>&rdquo; shall have the meaning provided in <U>Article VIII</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Excluded
Taxes</I></B>&rdquo; shall mean with respect to the Lender or any other recipient of any payment to be made by or on account of
any obligation of the Borrower hereunder, (a) income or franchise taxes imposed on (or measured by) its net income by the United
States of America, or by the jurisdiction under the laws of which such recipient is organized or in which its principal office
is located or its applicable lending office is located and (b) any branch profits taxes imposed by the United States of America
or any similar tax imposed by any other jurisdiction in which Lender is located.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>FDIC</I></B>&rdquo;
shall mean the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Financial
Institution Subsidiary</I></B>&rdquo; shall mean each of (a) those Financial Institution Subsidiaries set forth on <U>Schedule
4.12</U> and designated as a &ldquo;Financial Institution Subsidiary&rdquo; and (b) each other Subsidiary hereafter formed or acquired
that is a regulated financial institution, including but not limited to SmartBank following the Subsequent CCB Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Fiscal
Quarter</I></B>&rdquo; shall mean each fiscal quarter (including the fiscal quarter at the fiscal year-end) of the Borrower and
its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Fiscal
Year</I></B>&rdquo; shall mean each fiscal year of the Borrower and its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>FRB</I></B>&rdquo;
shall mean the Board of Governors of the Federal Reserve System.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>FR Y-9
Report</I></B>&rdquo; shall mean the &ldquo;Parent Company Only Financial Statements for Bank Holding Companies-FR Y-9&rdquo; submitted
by the Borrower as required by Section 5(c) of the Bank Holding Company Act (12 U.S.C. 1844) and Section 225.5(b) of Regulation
Y (12 CFR 225.5(b)), or any successor or similar replacement report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>GAAP</I></B>&rdquo;
shall mean generally accepted accounting principles in the United States applied on a consistent basis and subject to the terms
of <U>Section 1.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Governmental
Authority</I></B>&rdquo; shall mean the government of the United States of America, any other nation or any political subdivision
thereof, whether state or local, and any agency, authority, instrumentality, regulatory body, court, central bank or other entity
exercising executive, legislative, judicial, taxing, regulatory or administrative powers or functions of or pertaining to government,
including without limitation, the FRB, the FDIC and any other federal or state agency charged with the supervision or regulation
of depositary institutions or holding companies of depositary institutions (as used herein, including any trust company subsidiaries
whether or not they take deposits), or engaged in the insurance of depositary institution deposits, or any court, administrative
agency or commission or other governmental agency, authority or instrumentality having supervisory or regulatory authority with
respect to the Borrower and/or any of its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Hazardous
Materials</I></B>&rdquo; means all explosive or radioactive substances or wastes and all hazardous or toxic substances, wastes
or other pollutants, including petroleum or petroleum distillates, asbestos or asbestos containing materials, polychlorinated biphenyls,
radon gas, infectious or medical wastes and all other substances or wastes of any nature regulated pursuant to any Environmental
Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Hedging
Obligations</I></B>&rdquo; of any Person shall mean any and all obligations of such Person, whether absolute or contingent and
howsoever and whensoever created, arising, evidenced or acquired under (i) any and all Hedging Transactions, (ii) any and all cancellations,
buy backs, reversals, terminations or assignments of any Hedging Transactions and (iii) any and all renewals, extensions and modifications
of any Hedging Transactions and any and all substitutions for any Hedging Transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Hedging
Transaction</I></B>&rdquo; of any Person shall mean (a) any transaction (including an agreement with respect to any such transaction)
now existing or hereafter entered into by such Person that is a rate swap transaction, swap option, basis swap, forward rate transaction,
commodity swap, commodity option, equity or equity index swap or option, bond option, interest rate option, foreign exchange transaction,
cap transaction, floor transaction, collar transaction, currency swap transaction, cross-currency rate swap transaction, currency
option, spot transaction, credit protection transaction, credit swap, credit default swap, credit default option, total return
swap, credit spread transaction, repurchase transaction, reverse repurchase transaction, buy/sell-back transaction, securities
lending transaction, or any other similar transaction (including any option with respect to any of these transactions) or any combination
thereof, whether or not any such transaction is governed by or subject to any master agreement and (b) any and all transactions
of any kind, and the related confirmations, which are subject to the terms and conditions of, or governed by, any form of master
agreement published by the International Swaps and Derivatives Association, Inc., any International Foreign Exchange Master Agreement,
or any other master agreement (any such master agreement, together with any related schedules, a &ldquo;Master Agreement&rdquo;),
including any such obligations or liabilities under any Master Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Indebtedness</I></B>&rdquo;
of any Person shall mean, without duplication (i) all obligations of such Person for borrowed money, (ii) all obligations of such
Person evidenced by bonds, debentures, notes or other similar instruments, (iii) all obligations of such Person in respect of the
deferred purchase price of property or services (other than trade payables incurred in the ordinary course of business; provided,
that for purposes of <U>Section 8.1(f)</U>, trade payables overdue by more than 90 days shall be included in this definition except
to the extent that any of such trade payables are being disputed in good faith and by appropriate measures), (iv) all obligations
of such Person under any conditional sale or other title retention agreement(s) relating to property acquired by such Person, (v)
all obligations of such Person under capital leases and all monetary obligations of such Person under Synthetic Leases, (vi) all
obligations, contingent or otherwise, of such Person in respect of letters of credit, acceptances or similar extensions of credit,
(vii) all guarantees by such Person of Indebtedness of others, (viii) all Indebtedness of a third party secured by any Lien on
property owned by such Person, whether or not such Indebtedness has been assumed by such Person, (ix) all obligations of such Person,
contingent or otherwise, to purchase, redeem, retire or otherwise acquire for value any capital stock of such Person, (x) all Hedging
Obligations of such Person; and (xi) all obligations of such Person in respect of any trust preferred securities, preferred equity
or other types of hybrid capital securities issued by such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Indemnified
Taxes</I></B>&rdquo; shall mean Taxes other than Excluded Taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>&ldquo;Interest
Coverage Ratio&rdquo;</I></B> shall mean for each Semiannual Period, commencing on December 31, 2015, the net income of the Borrower,
plus the interest expenses incurred by the Borrower; divided by all cash interest payments made by the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Interest
Period</I></B>&rdquo; shall mean a period of one Fiscal Quarter, <U>provided</U> that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
initial Interest Period for the Loans shall commence on the Effective Date and terminate on September 30, 2015. Each Interest Period
occurring thereafter shall commence on the day on which the next preceding Interest Period expires;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if
any Interest Period would otherwise end on a day other than a Business Day, such Interest Period shall be extended to the next
succeeding Business Day, unless such Business Day falls in another calendar month, in which case such Interest Period would end
on the next preceding Business Day;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
Interest Period which begins on the last Business Day of a calendar month or on a day for which there is no numerically corresponding
day in the calendar month at the end of such Interest Period shall end on the last Business Day of such calendar month; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no
Interest Period may extend beyond the Maturity Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Investments</I></B>&rdquo;
shall have the meaning set forth in <U>Section 7.6</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Lender</I></B>&rdquo;
shall have the meaning assigned to such term in the opening paragraph of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Lien</I></B>&rdquo;
shall mean any mortgage, pledge, security interest, lien (statutory or otherwise), charge, encumbrance, hypothecation, assignment,
deposit arrangement, or other arrangement having the practical effect of the foregoing or any preference, priority or other security
agreement or preferential arrangement of any kind or nature whatsoever (including any conditional sale or other title retention
agreement and any capital lease having the same economic effect as any of the foregoing).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Line of
Credit Borrowing</B>&rdquo;</I> shall mean any borrowing of the Line of Credit Facility.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Line of
Credit Closing Date</B></I>&rdquo; shall mean the date on which the conditions precedent set forth in <U>Section&nbsp;3.2</U> have
been satisfied or waived in accordance with the terms of this Agreement, provided that no Line of Credit Closing Date shall occur
after the Line of Credit Termination Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Line of
Credit Commitment</B>&rdquo;</I> shall mean the Lender&rsquo;s the obligation to make Loans constituting Line of Credit Borrowings
of up to Maximum Line of Credit Amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Line of
Credit Facility</I></B>&rdquo; shall have the meaning set forth in <U>Section 2.1(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Line of
Credit Note</I></B>&rdquo; shall mean a promissory note of the Borrower in substantially the form of <U>Exhibit A</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Line of
Credit Termination Date</I></B>&rdquo; means February 28, 2017.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Liquidity
Ratio</B>&rdquo;</I> shall mean the Financial Institution Subsidiary&rsquo;s cash and balances due from depository institutions
as reported on Schedule RC of the Call Report, plus securities as reported on Schedule RC of the Call Report, plus federal funds
sold and securities purchased under agreements to resell as reported on Schedule RC of the Call Report, plus trading assets as
reported on Schedule RC of the Call Report, less pledged securities as reported on Schedule RC-B of the Call Report; divided by
the total liabilities as reported on Schedule RC of the Call Report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Loan Closing
Statement</B>&rdquo;</I> shall mean that certain Loan Closing Statement dated the date hereof, between the Borrower and the Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Loan Documents</I></B>&rdquo;
shall mean, collectively, this Agreement, the Line of Credit Note, the Stock Pledge and Security Agreement and any and all other
instruments, agreements, documents and writings executed in connection with any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Loan</B>&rdquo;</I>
shall mean any extension of credit by the Lender to the Borrower under Article II in the form of a Line of Credit Borrowing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Material
Adverse Effect</I></B>&rdquo; shall mean, with respect to any event, act, condition or occurrence of whatever nature (including
any adverse determination in any litigation, arbitration, or governmental investigation or proceeding), whether singly or in conjunction
with any other event or events, act or acts, condition or conditions, occurrence or occurrences whether or not related, a material
adverse change in, or a material adverse effect on, (i) the business, results of operations, financial condition, assets, liabilities
or prospects of the Borrower and of the Borrower and its Subsidiaries taken as a whole, (ii) the ability of the Borrower to perform
any of its material obligations under the Loan Documents, (iii) the rights and remedies of Lender under any of the Loan Documents
or (iv) the legality, validity or enforceability of any of the Loan Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Maturity
Date</I></B>&rdquo; shall mean August 28, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Maximum
Line of Credit Amount</B>&rdquo;</I> means Eight Million US Dollars ($8,000,000).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Merger
Date Stock Pledge and Security Agreement</I></B>&rdquo; means that certain Stock Pledge and Security Agreement dated as of the
date of the SmartFinancial Merger, by the Borrower as pledgor in favor of the Lender, in substance and form acceptable to Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Multiemployer
Plan</I></B>&rdquo; shall have the meaning set forth in Section 4001(a)(3) of ERISA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Net Mark-to-Market
Exposure</I></B>&rdquo; of any Person shall mean, as of any date of determination with respect to any Hedging Obligation, the excess
(if any) of all unrealized losses over all unrealized profits of such Person arising from such Hedging Obligation. &ldquo;Unrealized
losses&rdquo; shall mean the fair market value of the cost to such Person of replacing the Hedging Transaction giving rise to such
Hedging Obligation as of the date of determination (assuming the Hedging Transaction were to be terminated as of that date), and
&ldquo;unrealized profits&rdquo; means the fair market value of the gain to such Person of replacing such Hedging Transaction as
of the date of determination (assuming such Hedging Transaction were to be terminated as of that date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Nonperforming
Assets</I></B>&rdquo; shall mean the sum of (a) Nonperforming Loans, and (b) Other Real Estate Owned.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Nonperforming
Loans</I></B>&rdquo; shall mean the sum of (a) nonaccrual loans and lease financing receivables (as determined by reference to
Schedule RC-N of the Financial Institution Subsidiary&rsquo;s Call Report) and (b) loans and lease financing receivables that are
contractually past due 90 days or more as to interest or principal and are still accruing interest (as determined by reference
to Schedule RC-N of the Financial Institution Subsidiary&rsquo;s Call Report).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Notice
of Borrowing</B>&rdquo;</I> shall have the meaning set forth in <U>Section 2.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Obligations</I></B>&rdquo;
shall mean all indebtedness, obligations, liabilities and other amounts owing by the Borrower to the Lender and, only with respect
to Hedging Transactions, any Affiliate of the Lender, pursuant to or in connection with (a) this Agreement or any other Loan Document,
including without limitation, all principal, interest (including any interest accruing after the filing of any petition in bankruptcy
or the commencement of any insolvency, reorganization or like proceeding relating to the Borrower, whether or not a claim for post-filing
or post-petition interest is allowed in such proceeding), all reimbursement obligations under letters of credit, all Hedging Obligations
of the Borrower, fees, expenses, indemnification and reimbursement payments, costs and expenses (including all fees and expenses
of counsel to Lender incurred pursuant to this Agreement or any other Loan Document), whether direct or indirect, absolute or contingent,
liquidated or unliquidated, now existing or hereafter arising hereunder or thereunder, together with all renewals, extensions,
modifications or refinancings thereof and (b) any agreement governing the provision to the Borrower or any Subsidiary of treasury
or cash management services.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Other
Real Estate Owned</I></B>&rdquo; shall mean the sum of real estate acquired in satisfaction of debts through foreclosure as reported
on Schedule RC-M of the Call Report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Other
Taxes</I></B>&rdquo; shall mean any and all present and future stamp, court, intangible, recording, filing or documentary taxes
or any other property taxes, charges or similar levies arising from any payment made by, or on behalf of, the Borrower hereunder
or from the execution, delivery or enforcement of, or otherwise with respect to, this Agreement or any other Loan Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Participant</I></B>&rdquo;
shall have the meaning set forth in <U>Section 10.4(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Payment
Office</I></B>&rdquo; shall mean the office of the Lender located at 201 4<SUP>th</SUP> Avenue North, Suite 950, Nashville, Tennessee
37219, or such other location as to which the Lender shall have given written notice to the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>PBGC</I></B>&rdquo;
shall mean the Pension Benefit Guaranty Corporation referred to and defined in ERISA, and any successor entity performing similar
functions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Permitted
Encumbrances</I></B>&rdquo; shall mean</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liens
imposed by law for taxes not yet due or which are being contested in good faith by appropriate proceedings and with respect to
which adequate reserves are being maintained in accordance with GAAP;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;statutory
Liens of landlords and Liens of carriers, warehousemen, mechanics, materialmen and other Liens imposed by law created in the ordinary
course of business for amounts not yet due or which are being contested in good faith by appropriate proceedings and with respect
to which adequate reserves are being maintained in accordance with GAAP;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;pledges
and deposits made in the ordinary course of business in compliance with workers&rsquo; compensation, unemployment insurance and
other social security laws or regulations and Liens arising by statute in connection with worker&rsquo;s compensation, unemployment
insurance, old age benefits, social security obligations, taxes, assessments, statutory obligations or other similar charges, good
faith cash deposits in connection with tenders, contracts or leases to which the Borrower or any of its Subsidiaries is a party
or other cash deposits in any such foregoing case that is required to be made in the ordinary course of business, provided in each
case that the obligation is not for borrowed money and that the obligation secured is not overdue or, if overdue, is being contested
in good faith by appropriate proceedings which prevent enforcement of the matter under contest and adequate reserves have been
established therefor;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;deposits
to secure the performance of bids, trade contracts, leases, statutory obligations, surety and appeal bonds, performance bonds and
other obligations of a like nature, in each case in the ordinary course of business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;judgment
and attachment Liens not giving rise to an Event of Default or Liens created by or existing from any litigation or legal proceeding
that are currently being contested in good faith by appropriate proceedings and with respect to which adequate reserves are being
maintained in accordance with GAAP;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;easements,
zoning restrictions, rights-of-way and similar encumbrances on real property imposed by law or arising in the ordinary course of
business that do not secure any monetary obligations and do not materially detract from the value of the affected property or materially
interfere with the ordinary conduct of business of the Borrower and its Subsidiaries taken as a whole;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(vii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liens,
charges and encumbrances incidental to the conduct of the business of the Financial Institution Subsidiaries incurred in the ordinary
course of business and consistent with past practices;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(viii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liens
to secure public funds or other pledges of funds required by law to secure deposits; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(ix)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;repurchase
agreements, reverse repurchase agreements and other similar transactions entered into by any Financial Institution Subsidiary in
the ordinary course of its banking, deposit or trust business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><U>provided</U>, that
the term &ldquo;Permitted Encumbrances&rdquo; shall not include any Lien securing Indebtedness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Permitted
Financial Institution Subsidiary Indebtedness</I></B>&rdquo; means obligations incurred by any Financial Institution Subsidiary
in the ordinary course of business in such circumstances as may be incidental or usual in carrying on the banking or trust or mortgage
business of a bank, thrift, trust company, or mortgage company incurred in accordance with applicable laws and regulations and
safe and sound practices, including obligations incurred in connection with: (a) any deposits with or funds collected by such Subsidiary;
(b) the endorsement of instruments for deposit or collection in the ordinary course of business, (c) any bankers acceptance credit
of such Subsidiary; (d) any check, note, certificate of deposit, money order, traveler&rsquo;s check, draft or bill of exchange
issued, accepted or endorsed by such Subsidiary or letter of credit issued by such Subsidiary; (e) any discount with, borrowing
from, or other obligation to, any Federal Reserve Bank or any Federal Home Loan Bank; (f) any agreement made by such Subsidiary
to purchase or repurchase securities, loans or Federal funds or any interest or participation in any thereof; (g) any guarantee,
indemnity or similar obligation incurred by such Subsidiary in the ordinary course of its banking or trust business and consistent
with past practices; (h) any transaction in the nature of an extension of credit, whether in the form of a commitment or otherwise,
undertaken by such Subsidiary for the account of a third party with the application of the same banking considerations and legal
lending limits that would be applicable if the transaction were a loan to such party; (i) any transaction in which such Subsidiary
acts solely in the fiduciary or agency capacity; (j) other short-term liabilities similar to those enumerated in clauses (a) and
(f) above, including United States Treasury tax and loan borrowings, (k) any Hedging Obligations or other obligations or liabilities
relating to Hedging Transactions entered into by such Subsidiary in connection with facilitating the hedging risk of a customer
of such Subsidiary or another Financial Institution Subsidiary, but excluding any Hedging Obligations or other obligations or liabilities
relating to Hedging Transactions entered into for speculative purposes or that are speculative in nature, (l) any Indebtedness
of one Financial Institution Subsidiary to another Financial Institution Subsidiary and (m) any Indebtedness of such Subsidiary
relating to letters of credit issued or confirmed by a third party financial institution for the account of such Subsidiary for
the ultimate account of such Subsidiary&rsquo;s customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Person</I></B>&rdquo;
shall mean any individual, partnership, firm, corporation, association, joint venture, limited liability company, trust or other
entity, or any Governmental Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Plan</I></B>&rdquo;
shall mean any Employee Benefit Plan (other than a Multiemployer Plan) subject to the provisions of Title IV of ERISA or Section
412 of the Code or Section 302 of ERISA, and in respect of which the Borrower or any ERISA Affiliate either (i) maintains, contributes
to or has an obligation to contribute to on behalf of participants who are or were employed by any of them (or on behalf of beneficiaries
of such participants) or (ii) is (or, if such plan were terminated, would under Section 4069 of ERISA be deemed to be) an &ldquo;employer&rdquo;
as defined in Section 3 (5) of ERISA or a &ldquo;contributing sponsor&rdquo; (as defined in ERISA Section 4001(a)(13)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Pledged
Stock</B>&rdquo;</I> shall mean all of the Equity Interests of each Bank registered on the stock transfer records of such Bank
in the name of the Borrower (including, for the avoidance of doubt, all of the Equity Interests of SmartBank following the SmartFinancial
Merger).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Prime
Rate</B>&rdquo;</I> shall mean the rate of interest per annum publicly announced from time to time by Lender as its base rate in
effect for dollars at its principal office in Nashville, Tennessee; each change in the Prime Rate shall be effective from and including
the date such change is publicly announced as being effective.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Qualified
Plan</I></B>&rdquo; shall mean an Employee Benefit Plan that is intended to be tax-qualified under Section 401(a) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Release</I></B>&rdquo;
means any release, spill, emission, leaking, dumping, injection, pouring, deposit, disposal, discharge, dispersal, leaching or
migration into the environment (including ambient air, surface water, groundwater, land surface or subsurface strata) or within
any building, structure, facility or fixture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Responsible
Officer</I></B>&rdquo; shall mean any of the president, the chief executive officer, the chief operating officer, the chief financial
officer, the treasurer of the Borrower or such other representative of the Borrower as may be designated in writing by any one
of the foregoing with the consent of the Lender; and, with respect to the financial covenants only, the chief financial officer,
controller or the treasurer of the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Restricted
Payment</B>&rdquo;</I> shall have the meaning set forth in <U>Section 7.4</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Return
on Average Assets</B>&rdquo;</I> shall mean net income as reported on Schedule RI of the Call Report; divided by average total
assets for the period as reported on Schedule RC-K of the Call Report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>RICO Related
Law</I></B>&rdquo; shall mean the Racketeer Influenced and Corrupt Organizations Act of 1970 or any other federal, state or local
law for which forfeiture of assets is a potential penalty.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Semiannual
Period</B>&rdquo;</I> shall mean the six month period ending on June 30 or the twelve month period ending on December 31, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Senior
Management</B>&rdquo;</I> shall mean the Chief Executive Officer, the Chief Financial Officer, Chief Credit Officer or Chief Loan
Officer of the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>SmartBank</I></B>&rdquo;
shall mean SmartBank, a Tennessee chartered commercial bank and wholly-owned subsidiary of SmartFinancial.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>SmartFinancial</I></B>&rdquo;
means SmartFinancial, Inc. a Tennessee corporation, as it exists prior to the SmartFinancial Merger, and whose separate corporate
existence shall cease upon its merger with and into the Borrower in connection with the SmartFinancial Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>SmartFinancial
Merger</B>&rdquo; </I>means the merger of SmartFinancial with and into the Borrower, as more particularly described in <U>Section
5.10</U> herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Stock
Pledge and Security Agreement&rdquo;</B></I><B> </B>shall mean collectively, (i) the Closing Date Stock Pledge and Security Agreement,
and (ii) after the SmartFinancial Merger, the Merger Date Stock Pledge and Security Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B><I>&ldquo;Subsequent
CCB Merger&rdquo;</I></B> shall mean the merger of CCB with and into SmartBank within twelve (12) months following the closing
of the SmartFinancial Merger on terms and conditions reasonably acceptable to Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Subsidiary</I></B>&rdquo;
shall mean, with respect to any Person (the &ldquo;<B><I>parent</I></B>&rdquo;), any corporation, partnership, joint venture, limited
liability company, association or other entity the accounts of which would be consolidated with those of the parent in the parent&rsquo;s
consolidated financial statements if such financial statements were prepared in accordance with GAAP as of such date, as well as
any other corporation, partnership, joint venture, limited liability company, association or other entity (i) of which securities
or other ownership interests representing more than 50% of the equity or more than 50% of the ordinary voting power, or in the
case of a partnership, more than 50% of the general partnership interests are, as of such date, owned, Controlled or held, or (ii)
that is, as of such date, otherwise Controlled, by the parent or one or more subsidiaries of the parent or by the parent and one
or more subsidiaries of the parent. Unless otherwise indicated, all references to &ldquo;Subsidiary&rdquo; under this Agreement
shall mean a Subsidiary of the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Synthetic
Lease</I></B>&rdquo; of any Person shall mean (a) a lease designed to have the characteristics of a loan for federal income tax
purposes while obtaining operating lease treatment for financial accounting purposes, or (b) an agreement for the use or possession
of property creating obligations that are not required to appear on the balance sheet of such Person but which, upon the insolvency
or bankruptcy of such Person would be characterized by a court of competent jurisdiction as indebtedness of such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Tangible
Equity</B>&rdquo;</I> shall mean the total equity capital as reported on Schedule RC of the Call Report, less any intangible assets
as reported on Schedule RC of the Call Report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Taxes</I></B>&rdquo;
means all present or future taxes, levies, imposts, duties, deductions, withholdings, assessments, fees or other charges imposed
by any Governmental Authority, including any interest, additions to tax or penalties applicable thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Texas
Ratio</B>&rdquo;</I> shall mean (i) Nonperforming Assets divided by (ii) the sum of Tangible Equity plus the Allowance for Loan
and Lease Losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>&ldquo;<B>Total
Assets</B>&rdquo;</I> shall mean the total amount of the Financial Institution Subsidiary&rsquo;s assets as reported on Schedule
RC of the Call Report.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&ldquo;<B><I>Withdrawal
Liability</I></B>&rdquo; shall mean liability to a Multiemployer Plan as a result of a complete or partial withdrawal from such
Multiemployer Plan, as such terms are defined in Part I of Subtitle E of Title IV of ERISA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 1.2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Accounting
Terms and Determination</U></B>. Unless otherwise defined or specified herein, all accounting terms used herein shall be interpreted,
all accounting determinations hereunder shall be made, and all financial statements required to be delivered hereunder shall be
prepared, in accordance with GAAP as in effect from time to time, applied on a basis consistent (except for such changes approved
by the Borrower&rsquo;s independent public accountants) with the most recent audited consolidated financial statement of the Borrower
delivered pursuant to <U>Section 5.1(a)</U>; <U>provided</U>, that if the Borrower notifies the Lender that the Borrower wishes
to amend any covenant in <U>Article VI</U> to eliminate the effect of any change in GAAP on the operation of such covenant (or
if the Lender notifies the Borrower that the Lenders wishes to amend <U>Article VI</U> for such purpose), then the Borrower&rsquo;s
compliance with such covenant shall be determined on the basis of GAAP in effect immediately before the relevant change in GAAP
became effective, until either such notice is withdrawn or such covenant is amended in a manner satisfactory to the Borrower and
the Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 1.3.&nbsp;&nbsp;&nbsp;&nbsp;<U>Terms
Generally</U></B>. The definitions of terms herein shall apply equally to the singular and plural forms of the terms defined. The
words &ldquo;include&rdquo;, &ldquo;includes&rdquo; and &ldquo;including&rdquo; shall be deemed to be followed by the phrase &ldquo;without
limitation.&rdquo; In the computation of periods of time from a specified date to a later specified date, the word &ldquo;from&rdquo;
means &ldquo;from and including&rdquo; and the word &ldquo;to&rdquo; means &ldquo;to but excluding.&rdquo; Unless the context requires
otherwise (i) any definition of or reference to any agreement, instrument or other document herein shall be construed as referring
to such agreement, instrument or other document as it was originally executed or as it may from time to time be amended, supplemented
or otherwise modified (subject to any restrictions on such amendments, supplements or modifications set forth herein), (ii) any
reference herein to any Person shall be construed to include such Person&rsquo;s successors and permitted assigns, (iii) the words
&ldquo;hereof,&rdquo; &ldquo;herein&rdquo; and &ldquo;hereunder&rdquo; and words of similar import shall be construed to refer
to this Agreement as a whole and not to any particular provision hereof, (iv) all references to Articles, Sections, Exhibits and
Schedules shall be construed to refer to Articles, Sections, Exhibits and Schedules to this Agreement and (v) all references to
a specific time shall be construed to refer to Nashville, Tennessee time, unless otherwise indicated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
II.&nbsp;&nbsp;&nbsp;<U>AMOUNT AND TERMS OF THE LOANS</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Commitment</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the terms and conditions set forth herein, including, without limitation, satisfaction of the conditions set forth in <U>Section
3.1</U> and <U>Section 3.2</U>, the Lender agrees that it will fund a line of credit facility (the &ldquo;<U>Line of Credit Facility</U>&rdquo;)
to the Borrower in an aggregate maximum principal amount of up to the Line of Credit Commitment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reserved</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-right: 0; margin-bottom: 0pt; text-indent: 0.5in; text-align: justify"><B>Section 2.2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedure
for Borrowings</U></B>. From the Effective Date through and including the Line of Credit Termination Date, the Borrower may borrow
any Borrowing on any Business Day, provided that the Borrower shall give the Lender irrevocable telephonic notice confirmed promptly
in writing in the form of <U>Exhibit 2.2</U> attached hereto (the &ldquo;<U>Notice of Borrowing</U>&rdquo;), which telephonic notice
must be received by the Lender prior to 11:00 a.m., Nashville, Tennessee time, on the date of the Borrowing, specifying (i) the
type of Borrowing (e.g., Line of Credit Borrowing), (ii) the amount of the Borrowing, (iii) the requested Line of Credit Closing
Date (which shall be a Business Day), and (iv)&nbsp;the account of the Borrower to which the proceeds of the Borrowing should be
credited.</P>



<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Funding
of Borrowings</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the terms and conditions herein, the Lender will make available the Borrowing to the Borrower on each Line of Credit Closing
Date promptly crediting the proceeds of the Borrowing by the close of business on such date, to an account maintained by the Borrower
with the Lender as set forth in the Notice of Borrowing.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Section 2.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reserved.<FONT STYLE="font-weight: normal">
</FONT></U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Repayment
and Prepayments of Borrowings</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Line
of Credit Facility</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest
on the Line of Credit shall be due quarterly fifteen (15) calendar days after the end of each Fiscal Quarter of Borrower, beginning
October 15, 2015, as more particularly set forth in <U>Section 2.6(e</U>) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition to the interest payments due and payable under <U>Section 2.5(a)(i)</U> above, commencing on April 15, 2017, the Borrower
shall, subject to adjustment for the actual amount of Line of Credit Borrowings outstanding as of the Line of Credit Termination
Date as set forth in the following paragraph, make quarterly principal amortization payments of principal on the following dates
and in the following amounts (such payments, the &ldquo;<U>Amortization Payments</U>&rdquo;):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="margin-left: 0.5in; border-collapse: collapse; width: 92%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center; text-indent: 0in">Amortization Payment Date</TD><TD NOWRAP STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center">Amortization Payment</TD><TD NOWRAP STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: center; text-indent: 0in; width: 80%">April 15, July 15, and October 15, 2017</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 1%">$</TD><TD STYLE="text-align: right; width: 17%">125,000 each</TD><TD STYLE="text-align: left; width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: center; text-indent: 0in">January 15, April 15, July 15 and October 15, 2018</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">190,000 each</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: center; text-indent: 0in">January 15, April 15, July 15 and October 15, 2019 and January 15, April 15 and July 15, 2020</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">210,000 each</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">The Amortization
Payments set forth above are based on the assumption that the Line of Credit Borrowings equal the Maximum Line of Credit Amount
as of the day immediately following the Line of Credit Termination Date. If the Line of Credit Borrowings as of the day immediately
following the Line of Credit Termination Date are less than the Maximum Line of Credit Amount, the Amortization Payments shall
be reduced by Lender on a pro-rata basis relative to the Maximum Line of Credit Amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">Any remaining
outstanding principal amount of the Line of Credit Loans shall be due and payable (together with accrued and unpaid interest thereon)
on the Maturity Date. All payments in respect of a Line of Credit Loan shall be applied first to accrued interest and the balance,
if any, to principal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provided
no Default or Event of Default is in existence hereunder, and subject to the satisfaction of the conditions in <U>Section 3.2</U>,
Borrower may obtain a Line of Credit Borrowing, repay without penalty or premium and reborrow under the Line of Credit Facility,
from the date of this Agreement through the Line of Credit Termination Date. After the Line of Credit Termination Date, no advances
of the Line of Credit Facility may be reborrowed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower shall have the right at any time and from time to time to prepay the Loan, in whole or in part, without premium or penalty,
and solely with respect to prepayments in excess of $150,000, by giving irrevocable written notice to the Lender no later than
three (3) Business Days prior to any such prepayment. Each such notice shall be irrevocable and shall specify the proposed date
of such prepayment and the principal amount of the Loan to be prepaid. If such notice is given, the aggregate amount specified
in such notice shall be due and payable on the date designated in such notice, together with accrued interest to such date on the
amount so prepaid in accordance with <U>Section&nbsp;2.15(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reserved</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interest
on Borrowings</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower shall pay interest on the Line of Credit Borrowings for the applicable Interest Period then in effect as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From
the Effective Date through September 30, 2015, and at any time the Bank&rsquo;s daily settlement account is maintained at Lender,
the Prime Rate, subject to a floor of 3.00%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
any time after September 30, 2015 and during which the Bank&rsquo;s daily settlement account is not maintained at Lender, Prime
Rate plus 0.75%, subject to a floor of 3.75%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reserved</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reserved</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Following
the occurrence of an Event of Default, and in any event after acceleration, the Borrower shall pay interest (&ldquo;<B><I><U>Default
Interest</U></I></B>&rdquo;) at the rate otherwise applicable for the then-current Interest Period plus an additional 2% per annum
until the last day of such Interest Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest
on the Line of Credit Borrowings shall accrue from and include its respective Line of Credit Closing Date but exclude the date
of any repayment thereof (or portion thereof). Prior to the Line of Credit Termination Date, interest shall be payable in arrears
on the date which is the fifteenth calendar (15<SUP>th</SUP>) day following the end of each Interest Period applicable thereto,
and in any case on the Maturity Date. All Default Interest shall be payable on demand.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Late
Payment Fee</U></B>. If a payment of principal or interest with respect to a Line of Credit Borrowing or an Amortization Payment
is ten (10) or more days late, then the Borrower shall pay the greater of (i) 5% of the unpaid portion of such regularly scheduled
payment or (ii) $15.00.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Computation
of Interest and Fees</U></B>. All computations of interest and fees hereunder shall be made on the basis of a year of 360 days
for the actual number of days (including the first day but excluding the last day) occurring in the period for which such interest
or fees are payable (to the extent computed on the basis of days elapsed). Each determination by the Lender of an interest amount
or fee hereunder shall be made in good faith and, except for manifest error, shall be final, conclusive and binding for all purposes.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.9.&nbsp;&nbsp;&nbsp;&nbsp;<U>Closing
Fee</U><FONT STYLE="font-weight: normal">. On the Effective Date, the Borrower shall pay to Lender a fully earned and non-refundable
closing fee of $2,500 in immediately available funds. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.10.&nbsp;&nbsp;&nbsp;<U>Evidence
of Indebtedness</U></B>. Lender shall maintain in accordance with its usual practice appropriate records evidencing the Indebtedness
of the Borrower to Lender resulting from the Loans made or held by Lender from time to time, including the amounts of principal
and interest payable thereon and paid to Lender from time to time under this Agreement. The entries made in such records shall
be prima facie evidence (absent manifest error) of the existence and amounts of the obligations of the Borrower therein recorded;
<U>provided</U>, that the failure or delay of Lender in maintaining or making entries into any such record or any error therein
shall not in any manner affect the obligation of the Borrower to repay the Loans (both principal and unpaid accrued interest) in
accordance with the terms of this Agreement. On the Effective Date, the Borrower will execute and deliver a Line of Credit Note
to the Lender.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Section 2.11.&nbsp;&nbsp;&nbsp;<U>Reserved</U>.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Section 2.12.&nbsp;&nbsp;&nbsp;<U>Reserved</U>.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Section 2.13.&nbsp;&nbsp;&nbsp;<U>Reserved</U>.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.14.&nbsp;&nbsp;&nbsp;<U>Taxes</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
and all payments by or on account of any Obligation of the Borrower under this Agreement shall be made free and clear of and without
deduction for any Indemnified Taxes or Other Taxes; <U>provided</U>, that if the Borrower shall be required to deduct any Indemnified
Taxes or Other Taxes from such payments, then (i) the sum payable shall be increased as necessary so that after making all required
deductions (including deductions applicable to additional sums payable under this Section) the Lender shall receive an amount equal
to the sum it would have received had no such deductions been made, (ii) the Borrower shall make such deductions and (iii) the
Borrower shall pay the full amount deducted to the relevant Governmental Authority in accordance with applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, the Borrower shall pay any Other Taxes to the relevant Governmental Authority in accordance with applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower shall indemnify the Lender, within thirty (30) Business Days after written demand therefor, for the full amount of any
Indemnified Taxes or Other Taxes paid by the Lender on or with respect to any payment by or on account of any obligation of the
Borrower hereunder (including Indemnified Taxes or Other Taxes imposed or asserted on or attributable to amounts payable under
this Section) and any penalties, interest and reasonable expenses arising therefrom or with respect thereto, whether or not such
Indemnified Taxes or Other Taxes were correctly or legally imposed or asserted by the relevant Governmental Authority. A certificate
as to the amount of such payment or liability, together with reasonable evidence of such payment, as applicable, delivered to the
Borrower by Lender shall be conclusive absent manifest error.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
soon as practicable after any payment of Indemnified Taxes or Other Taxes by the Borrower to a Governmental Authority, the Borrower
shall deliver to the Lender the original or a certified copy of a receipt issued by such Governmental Authority evidencing such
payment, a copy of the return reporting such payment or other evidence of such payment reasonably satisfactory to the Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reserved</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.15.&nbsp;&nbsp;&nbsp;<U>Payments
Generally</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower shall make each payment required to be made by it hereunder (whether of principal, interest or fees or of amounts payable
under <U>Section 2.5</U>, <U>Section 2.6</U> or <U>Section 2.7</U> or otherwise) prior to 1:00 p.m., Nashville, Tennessee time,
on the date when due, in immediately available funds, without set-off or counterclaim. Any amounts received after such time on
any date may, in the discretion of the Lender, be deemed to have been received on the next succeeding Business Day for purposes
of calculating interest thereon. All such payments shall be made to the Lender at the Payment Office, except that payments pursuant
to <U>Section 10.3</U> shall be made directly to the Persons entitled thereto. If any payment hereunder shall be due on a day that
is not a Business Day, the date for payment shall be extended to the next succeeding Business Day, and, in the case of any payment
accruing interest, interest thereon shall be made payable for the period of such extension. All payments hereunder shall be made
in Dollars.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
at any time insufficient funds are received by and available to the Lender to pay fully all amounts of principal, interest and
fees then due hereunder, such funds shall be applied first, towards payment of interest and fees then due hereunder and second,
towards payment of principal then due hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 2.16.&nbsp;&nbsp;&nbsp;<U>Mitigation
of Obligations</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Borrower is required to pay any additional amount to Lender or any Governmental Authority for the account of Lender pursuant
to <U>Section 2.14</U>, then Lender shall use reasonable efforts to designate a different lending office for funding or booking
its portion of the Loans hereunder or to assign its rights and obligations hereunder to another of its offices, branches or affiliates,
if, in the reasonable credit judgment of Lender, such designation or assignment (i) would eliminate or reduce amounts payable under
<U>Section 2.14</U> in the future and (ii) would not subject Lender to any unreimbursed cost or expense and would not otherwise
be disadvantageous to Lender. The Borrower hereby agrees to pay all costs and expenses incurred by Lender in connection with such
designation or assignment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
III.&nbsp;&nbsp;<U>CONDITIONS PRECEDENT TO EFFECTIVENESS</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions
To Effectiveness</U></B>. This Agreement shall not become effective until the date on which each of the following conditions is
satisfied (or waived in accordance with <U>Section 10.2</U>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Lender shall have received all fees and other amounts due and payable on or prior to the Effective Date, including (i) reimbursement
or payment of all out-of-pocket expenses (including reasonable fees, charges and disbursements of counsel to the Lender) required
to be reimbursed or paid by the Borrower hereunder, under any other Loan Document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Lender (or its counsel) shall have received the following, each in form and substance satisfactory to the Lender:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
counterpart of this Agreement signed by or on behalf of each party hereto;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
duly executed Line of Credit Note payable to the Lender;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
duly executed Closing Date Stock Pledge and Security Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
duly executed Loan Closing Statement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
certificates representing the shares or other interest of Equity Interests of the Banks pledged pursuant to the Closing Date Stock
Pledge and Security Agreement, together with an undated stock or other applicable transfer power for each such certificate executed
in blank by a duly authorized officer of the Borrower;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
certificate of a Responsible Officer, attaching and certifying copies of its bylaws and of the resolutions of its board of directors,
authorizing the execution, delivery and performance of the Loan Documents and certifying the name, title and true signature of
each officer of the Borrower executing the Loan Documents;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(vii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)
certified copies of the charter of the Borrower, together with certificates of good standing or existence, as may be available
from the Secretary of State of the jurisdiction of incorporation of the Borrower and each other jurisdiction where the Borrower
is required to be qualified to do business as a foreign corporation, and (b) certificates of good standing or existence with respect
to each Subsidiary of the Borrower (which shall include, in any event, each Financial Institution Subsidiary), as may be available
from the Secretary of State of the jurisdiction of incorporation of each such Subsidiary and each other jurisdiction where such
Subsidiary is required to be qualified to do business as a foreign corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(viii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
certificate in the form of <U>Exhibit 3.1(b)(viii)</U>, dated the Effective Date and signed by a Responsible Officer, certifying
that (a) no Default or Event of Default exists, (b) all representations and warranties of the Borrower as set forth in the Loan
Documents are true and correct on and as of the Effective Date, (c) since December 31, 2014, there shall have been no change, event
or other circumstance which has had or could reasonably be expected to have a Material Adverse Effect and (d) no consents, approvals,
authorizations, registrations, filings or orders of the type described in <U>Section 3.1(b)(ix)</U> below are required to be made
or obtained in connection with the execution, delivery, performance, validity and enforceability of the Loan Documents or any transaction
contemplated thereby;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(ix)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;certified
copies of all consents, approvals, authorizations, registrations and filings and orders required to be made or obtained under any
applicable laws, or by any Contractual Obligation of the Borrower, in connection with the execution, delivery, performance, validity
and enforceability of the Loan Documents or any of the transactions contemplated hereby or thereby, and such consents, approvals,
authorizations, registrations, filings and orders shall be in full force and effect and all applicable waiting periods shall have
expired, and no investigation or inquiry by any Governmental Authority regarding the Loans or any transaction being financed with
the proceeds thereof shall be ongoing;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;copies
of (A) the FR Y-9 Report for the period ending December 31, 2014; (B) the Call Report for the period ended March 31, 2015; and
(C) the audited consolidated financial statements for Borrower and its Subsidiaries for the Fiscal Year ending December 31, 2014;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(xi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
results of a recent UCC, tax, judgment and lien searches in respect of the Borrower, and such searches shall reveal no Liens of
record other than Liens expressly permitted pursuant to <U>Section 7.2</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(xii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &#9;the Merger
Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(xiii) &#9;&nbsp;&nbsp;&nbsp;&nbsp;evidence
satisfactory to the Lender that the Line of Credit Borrowing on the initial Line of Credit Closing Date, plus cash deposited with
an escrow agent pursuant to <U>Section 3.1(xiv)</U> below, will be sufficient to redeem the Borrower&rsquo;s Series A Convertible
Preferred Stock on the date of the SmartFinancial Merger;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(xiv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;evidence
satisfactory to Lender that (A) Borrower has entered into a redemption agent agreement with terms acceptable with the Lender for
redemption of the Borrower&rsquo;s Series A Convertible Stock on the date of the SmartFinancial Merger and (B) SmartFinancial has
deposited all of its shares in SmartBank with an escrow agent and subject to an escrow agreement with terms acceptable to Lender;
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(xv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;such
other documents, agreements and instruments as the Lender may reasonably request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Line
of Credit Borrowing</U></B>. The obligation of the Lender to make a Line of Credit Borrowing under this Agreement is subject to
the satisfaction of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;all
of the conditions set forth in <U>Section 3.1</U> shall have been satisfied;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
certificate in the form <U>of Exhibit 3.2(b)</U>, dated the Line of Credit Closing Date and signed by a Responsible Officer, certifying
that (x)&nbsp;at the time of and immediately after giving effect to the Borrowing, no Default or Event of Default exists, (y)&nbsp;all
representations and warranties of the Borrower set forth in the Loan Documents are true and correct on and as of the Line of Credit
Closing Date (except for representations and warranties expressly made as of a prior date, which such representations and warranties
shall be true and correct in all material respects as of such date) and (z)&nbsp;since December 31, 2014, there shall have been
no change, event or other circumstance which has had or could reasonably be expected to have a Material Adverse Effect;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no
legislation has been passed or any suit, challenge, claim or other proceeding has been instituted the effect of which is to prohibit,
enjoin (or to declare unlawful or improper) or otherwise adversely affect, in the Lender&rsquo;s reasonable discretion, the Borrower&rsquo;s
performance of its obligations hereunder, and no litigation or governmental proceeding has been instituted or threatened against
the Borrower or any Financial Institution Subsidiary or any of their officers or shareholders which could reasonably be expected
to have a Material Adverse Effect;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Lender shall have received a duly executed Notice of Borrowing in accordance with <U>Section&nbsp;2.2</U> hereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Lender shall have received a duly completed and executed Compliance Certificate calculated as of the end of the most recent Fiscal
Quarter (giving pro forma effect to the funding of, and the use of any Borrowings funded on such Line of Closing Date), as required
in this Agreement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Lender shall have received such other documents, certificates, information or legal opinions as it may reasonably request, all
in form and substance reasonably satisfactory to the Lender.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The delivery by the
Borrower of the Notice of Borrowing shall be deemed to constitute a representation and warranty by the Borrower on the date thereof
as to the matters specified in paragraphs (a), (b), (c), (d), (e) and (f), of this <U>Section 3.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 3.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reserved</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
IV.&nbsp;&nbsp;<U>REPRESENTATIONS AND WARRANTIES</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Borrower represents
and warrants to Lender as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Existence;
Power</U></B>. Each of the Borrower and its Subsidiaries (i) is duly organized and validly existing as a corporation, bank or other
entity, as the case may be, under the laws of the jurisdiction of its organization, (ii) has all requisite power and authority
to carry on its business as now conducted, and (iii) is duly qualified to do business, and is in good standing, in each jurisdiction
where such qualification is required, except where a failure to be so qualified could not reasonably be expected to result in a
Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Organizational
Power; Authorization</U></B>. The Borrowing, and the execution, delivery and performance by the Borrower of each of the Loan Documents
are within the Borrower&rsquo;s corporate powers and have been duly authorized by all necessary corporate, and if required, stockholder,
action. This Agreement has been duly executed and delivered by the Borrower and constitutes, and each other Loan Document when
executed and delivered by the Borrower will constitute, valid and binding obligations of the Borrower, enforceable against it in
accordance with their respective terms, except as may be limited by applicable bankruptcy, insolvency, reorganization, moratorium,
or similar laws affecting the enforcement of creditors&rsquo; rights generally and by general principles of equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.3.&nbsp;&nbsp;&nbsp;&nbsp;<U>Governmental
Approvals; No Conflicts</U></B>. The execution, delivery and performance by the Borrower of this Agreement and the other Loan Documents
(a) do not require any consent or approval of, registration or filing with, or any action by, any Governmental Authority, except
those as have been obtained or made and are in full force and effect, (b) will not violate any applicable law or regulation or
the charter or by-laws of the Borrower or any order of any Governmental Authority binding upon Borrower, (c) will not violate or
result in a default under any indenture, material agreement or other material instrument binding on the Borrower or any of its
Subsidiaries or any of their respective assets or give rise to a right thereunder to require any payment to be made by the Borrower
or any such Subsidiary and (d) other than Liens created in connection with the execution and delivery of the Loan Documents, will
not result in the creation or imposition of any Lien on any asset of the Borrower or any Subsidiary. All necessary regulatory approvals
have been obtained for the Borrower and its Subsidiaries to conduct their respective businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial
Statements</U></B>. The Borrower has furnished to the Lender (i) the audited consolidated balance sheet of the Borrower and its
Subsidiaries as of December 31, 2014, and the related consolidated statements of income, shareholders&rsquo; equity and cash flows
for the Fiscal Year then ended prepared by the Accounting Firm. This financial statement fairly presents, in all material respects,
the consolidated financial position of the Borrower and its Subsidiaries as of such date and the consolidated results of operations
and cash flows for such period in conformity with GAAP consistently applied. Since December 31, 2014, there have been no changes
with respect to the Borrower and its Subsidiaries which have had or could reasonably be expected to have, singly or in the aggregate,
a Material Adverse Effect. In addition, the Borrower has provided to the Lender copies of the Call Reports filed by its Financial
Institution Subsidiaries for the period ending March 31, 2015, and copies of the FRY-9 Report filed by the Borrower for the period
ending December 31, 2014. Each of such reports filed by the Borrower or the Financial Institution Subsidiaries with any Governmental
Authority is true and correct in all material respects and is in accordance with the respective books of account and records of
the Borrower and the Financial Institution Subsidiaries, and has been prepared in compliance with, in all material respects, applicable
banking regulations, rules and guidelines on a basis consistent with prior periods, and fairly and accurately presents, in all
material respects, the financial condition of the Borrower and the Financial Institution Subsidiaries and their respective assets
and liabilities and the results of their respective operations as of such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Litigation
Matters and Enforcement Actions</U></B>. No litigation, investigation or proceeding of or before any arbitrators or Governmental
Authorities is pending against, or, to the knowledge of the Borrower, threatened against or affecting the Borrower or any of its
Subsidiaries (i) as to which there is a reasonable possibility of an adverse determination that could reasonably be expected to
have, either individually or in the aggregate, a Material Adverse Effect or (ii) which in any manner draws into question the validity
or enforceability of this Agreement or any other Loan Document. None of the Borrower, or any of the Financial Institution Subsidiaries,
or any of their respective officers or directors, is now operating under any currently effective written restrictions agreed to
by the Borrower or any of the Financial Institution Subsidiaries, or agreements, memoranda, or written commitments by the Borrower
or any of the Financial Institution Subsidiaries (other than restrictions of general application) imposed or required by any Governmental
Authority nor are any such restrictions threatened or agreements, memoranda or commitments being sought by any Governmental Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.6.&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance
with Laws and Agreements</U></B>. The Borrower and each Subsidiary is in compliance with all applicable laws (including without
limitation all Environmental Laws and all federal and state banking statutes) and all rules, regulations (including without limitation
all applicable federal and state banking regulations) and orders of any Governmental Authority, except where failure to do so could
not reasonably be expected to result in a Material Adverse Effect. Neither the Borrower nor any of the Financial Institution Subsidiaries
is in material default in the performance, observance or fulfillment of any of the terms, obligations, covenants, conditions or
provisions contained in any indenture or other agreement creating, evidencing or securing indebtedness of any kind or pursuant
to which any such indebtedness is issued, or other agreement or instrument to which the Borrower or any Financial Institution Subsidiary
is a party or by which the Borrower or any such Financial Institution Subsidiary or any of their respective properties may be bound
or affected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.7.&nbsp;&nbsp;&nbsp;&nbsp;<U>Investment
Company Act</U></B>. Neither the Borrower nor any of its Subsidiaries is an &ldquo;investment company,&rdquo; as defined in, or
subject to regulation under, the Investment Company Act of 1940, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Taxes</U></B>.
The Borrower and its Subsidiaries have timely filed or caused to be filed all Federal income tax returns and all other material
tax returns that are required to be filed by them, and have paid all taxes shown to be due and payable on such returns or on any
assessments made against it or its property and all other taxes, fees or other charges imposed on it or any of its property by
any Governmental Authority, except (i) to the extent the failure to do so would not have a Material Adverse Effect or (ii) where
the same are currently being contested in good faith by appropriate proceedings and for which the Borrower or such Subsidiary,
as the case may be, has set aside on its books adequate reserves.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Margin
Regulations</U></B>. None of the proceeds of the Loans will be used for &ldquo;purchasing&rdquo; or &ldquo;carrying&rdquo; any
&ldquo;margin stock&rdquo; with the respective meanings of each of such terms under Regulation U as now and from time to time hereafter
in effect or for any purpose that violates the provisions of Regulation U.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.10.&nbsp;&nbsp;<U>ERISA</U></B>.
(a) No ERISA Event has occurred or is reasonably expected to occur that, when taken together with all other such ERISA Events for
which liability is reasonably expected to occur, could reasonably be expected to result in a Material Adverse Effect. The &ldquo;benefit
obligations&rdquo; of all Plans did not, as of December 31, 2014, exceed the &ldquo;fair market value of the assets&rdquo; of such
Plans by more than $250,000. No event has occurred since December 31, 2014, that would cause the &ldquo;benefit obligations&rdquo;
of all Plans to exceed the &ldquo;fair market value of the assets&rdquo; of such Plans by the dollar amount specified in the previous
sentence. The terms &ldquo;benefit obligations&rdquo; and &ldquo;fair market value of assets&rdquo; shall be determined by and
with such terms defined in accordance with Statement of Financial Accounting Standards No. 158.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Employee Benefit Plan is in compliance in all material respects with the applicable provisions of ERISA, the Code and other applicable
law. Except with respect to Multiemployer Plans, each Qualified Plan (I) has received a favorable determination from the IRS applicable
to the Qualified Plan&rsquo;s current remedial amendment cycle (as described in Revenue Procedure 2007-44 or &ldquo;2007-44&rdquo;
for short), (II) has timely filed for a favorable determination letter from the IRS during its staggered remedial amendment cycle
(as defined in 2007-44) and such application is currently being processed by the IRS, (III) has filed for a determination letter
prior to its &ldquo;GUST remedial amendment period&rdquo; (as defined in 2007-44) and received such determination letter and the
staggered remedial amendment cycle first following the GUST remedial amendment period for such Qualified Plan has not yet expired
or (IV) is maintained under a prototype or volume submitter plan and may rely upon a favorable opinion or letter issued by the
IRS with respect to such prototype or volume submitter plan. No event has occurred which would cause the loss of the Borrower&rsquo;s
or any ERISA Affiliate&rsquo;s reliance on the Qualified Plan&rsquo;s favorable determination letter or opinion or advisory letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
respect to any Employee Benefit Plan that is a retiree welfare benefit arrangement, all amounts have been accrued on the Borrower&rsquo;s
financial statements in accordance with Statement of Financial Accounting Standards No. 106.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as would not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect: (i) there are no pending
or to the best of the Borrower&rsquo;s knowledge, threatened claims, actions or lawsuits or action by any Governmental Authority,
participant or beneficiary with respect to an Employee Benefit Plan; (ii) there are no violations of the fiduciary responsibility
rules with respect to any Employee Benefit Plan; and (iii) neither the Borrower nor ERISA Affiliate has engaged in a non-exempt
&ldquo;prohibited transaction,&rdquo; as defined in Section 406 of ERISA and Section 4975 of the Code, in connection with any Employee
Benefit Plan, that would subject the Borrower to a tax on prohibited transactions imposed by Section 502(i) of ERISA or Section
4975 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.11.&nbsp;&nbsp;&nbsp;<U>Disclosure</U></B>.
To Borrower&rsquo;s knowledge, no event or circumstance currently exists or is threatened that could reasonably be expected to
result in a Material Adverse Effect. None of the reports (including without limitation all reports that the Borrower is required
to file with the Securities and Exchange Commission), financial statements, certificates or other information furnished by or on
behalf of the Borrower to the Lender in connection with this Agreement or any other Loan Document or delivered hereunder or thereunder
(as modified or supplemented by any other information so furnished) contains any material misstatement of fact or omits to state
any material fact necessary to make the statements therein, taken as a whole, in light of the circumstances under which they were
made, not misleading.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.12.&nbsp;&nbsp;&nbsp;<U>Subsidiaries</U></B>.
<U>Schedule 4.12</U> sets forth the name of, the ownership interest of the Borrower in, and the jurisdiction of incorporation of
Financial Institution Subsidiary and each other Subsidiary, in each case as of each Line of Credit Closing Date. All of the capital
stock of each of the Borrower&rsquo;s Subsidiaries has been duly authorized and validly issued, and is fully paid and non-assessable.
Except as set forth on <U>Schedule 4.12</U>, the Borrower owns all of the issued and outstanding capital stock of each of its Subsidiaries
free and clear of any Lien.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.13.&nbsp;&nbsp;&nbsp;<U>Dividend
Restrictions; Other Restrictions</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
Financial Institution Subsidiary has violated any applicable regulatory restrictions on dividends and no Governmental Authority
has taken any action which is still applicable to restrict the payment of dividends by any Financial Institution Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as set forth on <U>Schedule 4.13</U>, Neither the Borrower nor any Subsidiary is under investigation by, or is operating under
any restrictions (excluding any restrictions on the payment of dividends referenced in subsection (a) above) imposed by or agreed
to with, any Governmental Authority, other than routine examinations by such Governmental Authorities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as set forth on <U>Schedule 4.13</U> and other than as set forth in its charter, as amended, neither the Borrower nor any of the
Financial Institution Subsidiaries is a party to, nor is bound by, any material contract or agreement or is subject to any charter
or other corporate restriction that restricts the payment of dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.14.&nbsp;&nbsp;<U>Capital
Measures</U></B>. (a) The Borrower is &ldquo;well capitalized,&rdquo; as determined in accordance with regulations established
by any Governmental Authority having regulatory authority over it and (b) each Financial Institution Subsidiary has been, or are
deemed to have been, notified by the appropriate Governmental Authority having regulatory authority over each of them that each
of them is &ldquo;well capitalized,&rdquo; as determined in accordance with any regulations established by such Governmental Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.15.&nbsp;&nbsp;<U>FDIC
Insurance</U></B>. The deposits of each Financial Institution Subsidiary that is an &ldquo;insured depository institution&rdquo;
(within the meaning of &sect; 12 U. S. C. 1831(c)) are insured by the FDIC and no act has occurred that would adversely affect
the status of such Financial Institution Subsidiary as an FDIC insured bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.16.&nbsp;&nbsp;<U>Ownership
of Property</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the Borrower and its Subsidiaries has good title to, or valid leasehold interests in, all of its real and personal property
material to the operation of its business, including all such properties reflected in the most recent audited consolidated balance
sheet of the Borrower referred to in <U>Section 4.4</U> or purported to have been acquired by the Borrower or any Subsidiary after
said date (except as sold or otherwise disposed of in the ordinary course of business), in each case free and clear of Liens other
than those Liens permitted by <U>Section 7.2</U>. All leases that individually or in the aggregate are material to the business
or operations of the Borrower and its Subsidiaries are valid and subsisting and are in full force.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the Borrower and its Subsidiaries owns, or is licensed, or otherwise has the right, to use, all patents, trademarks, service
marks, trade names, copyrights and other intellectual property material to its business, and the use thereof by the Borrower and
its Subsidiaries does not infringe in any material respect on the rights of any other Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
properties of the Borrower and its Subsidiaries are insured with financially sound and reputable insurance companies which are
not Affiliates of the Borrower, in such amounts with such deductibles and covering such risks as are customarily carried by companies
engaged in similar businesses and owning similar properties in localities where the Borrower or any applicable Subsidiary operates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.17.&nbsp;&nbsp;<U>OFAC</U></B>.
Neither the Borrower nor any of its Subsidiaries (i) is a person whose property or interest in property is blocked or subject to
blocking pursuant to Section 1 of Executive Order 13224 of September 23, 2001 Blocking Property and Prohibiting Transactions With
Persons Who Commit, Threaten to Commit, or Support Terrorism (66 Fed. Reg. 49079 (2001)), (ii) engages in any dealings or transactions
prohibited by Section 2 of such executive order, or is otherwise associated with any such person in any manner violative of Section
2 or (iii) is a person on the list of Specially Designated Nationals and Blocked Persons or subject to the limitations or prohibitions
under any other U.S. Department of Treasury&rsquo;s Office of Foreign Assets Control regulation or executive order.</P>



<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.18.&nbsp;&nbsp;&nbsp;&nbsp;<U>&nbsp;Patriot
Act</U></B>. Each of the Borrower and its Subsidiaries is in compliance, in all material respects, with (i) the Trading with the
Enemy Act, as amended, and each of the foreign assets control regulations of the United States Treasury Department (31 CFR, Subtitle
B, Chapter V, as amended) and any other enabling legislation or executive order relating thereto and (ii) the Uniting And Strengthening
America By Providing Appropriate Tools Required To Intercept And Obstruct Terrorism (USA Patriot Act of 2001). No part of the proceeds
of the Obligations will be used, directly or indirectly, for any payments to any governmental official or employee, political party,
official of a political party, candidate for political office, or anyone else acting in an official capacity, in order to obtain,
retain or direct business or obtain any improper advantage, in violation of the United States Foreign Corrupt Practices Act of
1977, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 4.19.&nbsp;&nbsp;&nbsp;&nbsp;<U>Solvency</U></B>.
After giving effect to the execution and delivery of the Loan Documents and the making of any Borrowings under this Agreement,
neither the Borrower nor its Subsidiaries will be &ldquo;insolvent,&rdquo; within the meaning of such term as defined in &sect;
101(32) of Title 11 of the United States Code, as amended from time to time, or be unable to pay its debts generally as such debts
become due, or have an unreasonably small capital to engage in any business or transaction, whether current or contemplated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
V.&nbsp;&nbsp;&nbsp;<U>AFFIRMATIVE COVENANTS</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Borrower covenants
and agrees that so long as any Borrowings, interest on the Borrowings, or any fee or other obligation owing hereunder remains unpaid:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial
Statements and Other Information</U></B>. The Borrower will deliver to the Lender:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;as
soon as available and in any event within one hundred and twenty (120) days after the end of each Fiscal Year of Borrower, a copy
of the annual audited report for such Fiscal Year for the Borrower and its Subsidiaries, containing a consolidated balance sheet
and the related consolidated statements of income, of changes in shareholders&rsquo; equity and of cash flows (together with all
footnotes thereto), setting forth in each case in comparative form the figures for the previous Fiscal Year, all in reasonable
detail and reported on by the Accounting Firm (without a &ldquo;going concern&rdquo; or like qualification, exception or explanation
and without any qualification or exception as to scope of such audit) to the effect that such financial statements present fairly
in all material respects the financial condition and the results of operations and cash flows on a consolidated and consolidating
basis of the Borrower for such Fiscal Year in accordance with GAAP; provided, that the requirements set forth in this clause (a),
other than the certification of the Borrower&rsquo;s certified public accountants, may be fulfilled by providing to the Lender
the report of the Borrower to the SEC on Form 10-K for the applicable Fiscal Year;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;as
soon as available and in any event upon the earlier of (i) filing and (ii) thirty (30) days after the end of each Fiscal Quarter
of the Borrower, a duly executed copy of the then-current Call Report for each Financial Institution Subsidiary;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;concurrently
with (i) the delivery of the financial statements referred to in clause (a) above, (ii) the Bank&rsquo;s filing of any year end
Call Report, and (iii) any other Bank filing of a quarterly Call Report, if an event of default then exists, a Compliance Certificate,
certifying as to whether there exists a Default or Event of Default on the date of such certificate, and if a Default or an Event
of Default then exists, specifying the details thereof and the action which the Borrower has taken or proposes to take with respect
thereto, and setting forth in reasonable detail calculations demonstrating compliance with <U>Article VI</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;as
soon as available and in any event upon the earlier of (i) filing and (ii) forty five (45) days after the end of each Semiannual
Period, a duly executed copy of the Borrower&rsquo;s FR Y-9 Report;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if
at any Fiscal Quarter end the Bank is in default of any covenant set forth in <U>Sections 6.1, 6.2</U> and/or <U>6.6</U> hereof,
as soon as available and in any event within thirty (30) days after the end of each Fiscal Quarter of each Financial Institution
Subsidiary, a report that includes the total aggregate amount of each classification of loans and leases classified by the Financial
Institution Subsidiary as either &ldquo;watch&rdquo; or &ldquo;classified. The report will list those borrowers, and related borrowers,
that have aggregate outstanding debt that is classified by the Financial Institution Subsidiary as either &ldquo;watch&rdquo; or
&ldquo;classified&rdquo; of $250,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if
at any Fiscal Quarter end the Bank is in default of any covenant set forth in <U>Sections 6.1, 6.2 </U> and/or <U>6.6</U> hereof,
as soon as available and in any event within 40 days after the end of each Fiscal Quarter of each Financial Institution Subsidiary,
each Financial Institution Subsidiary&rsquo;s &ldquo;loan and lease losses&rdquo; allowance calculations in compliance with Accounting
Standard Codification Topics 310 and 450. A listing of specific borrowers, and related borrowers, will be limited to those with
aggregate &ldquo;impaired&rdquo; loan amounts of $250,000 or more;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;promptly,
but in any event no later than five (5) Business Days after receiving knowledge thereof, written notice of all material charges,
material assessments, actions, suits and proceedings (as well as notice of the outcome of any such charges, assessments, orders,
actions, suits and proceedings) that are proposed or initiated by, or brought before, any court or Governmental Authority, in connection
with the Borrower or any of the Financial Institution Subsidiaries, other than ordinary course of business litigation or proceedings
which, if adversely decided, could not reasonably be expected to have a Material Adverse Effect; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;promptly,
but in any event no later than ten (10) Business Days following any request therefor, such other information regarding the results
of operations, business affairs and financial condition of the Borrower or any Subsidiary, as the Lender may reasonably request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices
of Material Events</U></B>. The Borrower will furnish to the Lender written notice within five (5) Business Days of its knowledge
of the occurrence of any of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
occurrence of any Default or Event of Default;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
filing or commencement of any action, suit or proceeding by or before any arbitrator or Governmental Authority against or, to the
knowledge of the Borrower, affecting the Borrower or any Subsidiary which, if adversely determined, could reasonably be expected
to result in a Material Adverse Effect;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
occurrence of any ERISA Event that alone, or together with any other ERISA Events that have occurred, could reasonably be expected
to result in liability of the Borrower or its Subsidiaries in an aggregate amount exceeding $250,000;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
investigation of the Borrower or any Subsidiary by any Governmental Authority having regulatory authority over the Borrower or
any such Subsidiary (other than routine examinations of the Borrower and/or any such Subsidiary) to the extent that such Governmental
Authority has consented to the giving of such notice (if the consent of such Governmental Authority is required for the Borrower
to give such notice) which, if adversely determined, could reasonably be expected to result in a Material Adverse Effect;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
issuance of any cease and desist order (whether written or oral), written agreement, cancellation of insurance or other public
or enforcement action by the FDIC or other Governmental Authority having regulatory authority over the Borrower or any Subsidiary;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
issuance of any informal enforcement action, including, without limitation, a memorandum of understanding or proposed disciplinary
action by or from any Governmental Authority having regulatory authority over the Borrower or any Subsidiary, to the extent that
the Borrower or any such Subsidiary is permitted to disclose such information (provided that the Borrower shall take all reasonable
efforts to obtain any necessary regulatory consents) which results in or could reasonably be expected to result in a Material Adverse
Effect;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
other development that results in, or could reasonably be expected to result in, a Material Adverse Effect. Each notice delivered
under this Section shall be accompanied by a written statement of a Responsible Officer setting forth the details of the event
or development requiring such notice and any action taken or proposed to be taken with respect thereto; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
change of any member of Senior Management by the Borrower or any Financial Institution Subsidiary, other than changes in connection
with the SmartFinancial Merger pursuant to the Merger Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Existence;
Conduct of Business</U></B>. The Borrower will, and will cause each of its Subsidiaries to, do or cause to be done all things necessary
to preserve, renew and maintain in full force and effect its legal existence and its respective rights, licenses, permits, privileges,
franchises, patents, copyrights, trademarks and trade names material to the conduct of its business and will continue to engage
in the same business as presently conducted or such other businesses that are reasonably related thereto; <U>provided</U>, that
nothing in this Section shall prohibit any merger, consolidation, liquidation or dissolution permitted under <U>Section 7.3</U>,
including without limitation the SmartFinancial Merger pursuant to the Merger Agreement and the Subsequent CCB Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance
with Laws, Etc</U></B>. The Borrower will, and will cause each of its Subsidiaries to, comply with all laws, rules, regulations
and requirements of any Governmental Authority (including without limitation all federal and state banking statutes and regulations)
applicable to its assets, except where the failure to do so, either individually or in the aggregate, could not reasonably be expected
to result in a Material Adverse Effect. No part of the proceeds of the Loans will be used, whether directly or indirectly, for
any purpose that would violate any rule or regulation of the FRB, including Regulation T, U or X.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
of Obligations</U></B>. The Borrower will, and will cause each of its Subsidiaries to, pay and discharge at or before maturity,
all of its obligations and liabilities (including without limitation all tax liabilities and all claims that could result in a
statutory Lien) before the same shall become delinquent or in default, except where (a) the validity or amount thereof is being
contested in good faith by appropriate proceedings, (b) the Borrower or such Subsidiary has set aside on its books adequate reserves
with respect thereto in accordance with GAAP and (c) the failure to make payment pending such contest could not reasonably be expected
to result in a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Books
and Records</U></B>. The Borrower will, and will cause each of its Subsidiaries to, keep proper books of record and account in
which full, true and correct entries shall be made of all material dealings and transactions in relation to its business and activities
to the extent necessary to prepare the consolidated and consolidating financial statements of Borrower in conformity with GAAP.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Visitation,
Inspection, Etc</U></B>. The Borrower will, and will cause each of its Subsidiaries to, permit a representative or representatives
of the Lender, subject to <U>Section 10.11</U>, visit and inspect its properties, to examine its books and records and to make
copies and take extracts therefrom, and to discuss its affairs, finances and accounts with any of its officers and with its independent
certified public accountants, all at such reasonable times and as often as the Lender may reasonably request after reasonable prior
notice to the Borrower, and, after the occurrence and during the continuation of an Event of Default, at Borrower&rsquo;s expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Maintenance
of Properties; Insurance</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower will, and will cause each of its Subsidiaries to, (i) keep and maintain all property material to the conduct of its business
in good working order and condition, except for ordinary wear and tear and except where the failure to do so, either individually
or in the aggregate, could not reasonably be expected to result in a Material Adverse Effect and (ii) maintain with financially
sound and reputable insurance companies, insurance with respect to its properties and business, and the properties and business
of its Subsidiaries, against loss or damage of the kinds customarily insured against by companies in the same or similar businesses
operating in the same or similar locations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
deposits of each Financial Institution Subsidiary will at all times be insured by the FDIC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Use
of Proceeds</U></B>. The Borrower shall use the proceeds of the Line of Credit Facility to redeem certain preferred equity securities
of the Borrower in accordance with the Merger Agreement and for general corporate purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.10.&nbsp;&nbsp;&nbsp;&nbsp;<U>SmartFinancial
Merger</U>. </B>On or before the date which is fifteen (15) days after the Line of Credit Closing Date, the Borrower shall have
delivered to Lender<B> </B>the following, each in form and substance reasonably satisfactory to Lender: (i) all diligence review
items satisfactory to Lender in all respects as may be reasonably required by Lender in connection with the SmartFinancial Merger
(including, without limitation, lien searches and lien releases as may be necessary to provide Lender with a sole, first priority,
perfected security interest and lien against the Pledged Stock, organizational documents, board or other managing body resolutions
or consents and other customary items); (ii) a copy of the articles of merger effectuating the SmartFinancial Merger promptly after
execution and filing thereof with the Tennessee Secretary of State; (iii) each of SmartFinancial and Borrower&rsquo;s historical
financial statements; (iv) evidence satisfactory to Lender of the relevant regulatory approvals for the SmartFinancial Merger;
(v) evidence that the Borrower has changed its name to &ldquo;SmartFinancial, Inc.,&rdquo; in connection with the SmartFinancial
Merger; and (vi) the fully executed Merger Date Stock Pledge and Security Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 5.11.&nbsp;&nbsp;&nbsp;&nbsp;<U>Further
Assurances</U></B>. The Borrower agrees, upon written request of the Lender, to execute and deliver or cause to be executed and
delivered such further instruments, documents and certificates, and to and cause to be done such further acts that may be reasonably
necessary or advisable in the reasonable opinion of the Lender to carry out more effectively the provisions and purposes of this
Agreement and the other Loan Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
VI.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>FINANCIAL COVENANTS</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Borrower covenants
and agrees that so long as any Borrowings, interest on the Borrowings, or any fee or other obligation owing hereunder remains unpaid:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 6.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>&nbsp;Ratio
of Nonperforming Assets to Total Assets</U></B>. Each Financial Institution Subsidiary will not permit at the end of each Fiscal
Quarter its Nonperforming Assets to be greater than 3.25% of Total Assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 6.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Texas
Ratio</U></B>. Each Financial Institution Subsidiary will not permit at the end of each Fiscal Quarter its Texas Ratio to be greater
than 35.00%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 6.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidity
Ratio</U></B>. Each Financial Institution Subsidiary will not permit at the end of each Fiscal Quarter its Liquidity Ratio to be
less than 9.00%, <U>provided</U> that each Financial Institution Subsidiary shall not permit its Liquidity Ratio to be less than
10.00% for more than two (2) consecutive Fiscal Quarters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 6.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Return
on Average Assets</U></B>. Each Financial Institution Subsidiary will not permit at the end of each Fiscal Quarter its Return on
Average Assets to be less than the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="margin-left: 0.5in; font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD NOWRAP STYLE="width: 49%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0in"><font style="font-size: 10pt">Fiscal Quarter</font></td>
    <TD NOWRAP STYLE="width: 2%; text-align: center; text-indent: 0in">&nbsp;</td>
    <TD NOWRAP STYLE="width: 49%; border-bottom: Black 1pt solid; text-align: center; text-indent: 0in; vertical-align: bottom"><font style="font-size: 10pt">Minimum Return on Average Assets</font></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<tr style="vertical-align: top">
    <TD STYLE="text-align: center; text-indent: 0in"><font style="font-size: 10pt">December 31, 2015</font></td>
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-align: center; text-indent: 0in; vertical-align: bottom"><font style="font-size: 10pt">0.25%, annualized based only on fourth Fiscal Quarter results</font></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<tr style="vertical-align: top">
    <TD STYLE="text-align: center; text-indent: 0in"><font style="font-size: 10pt">March 31, 2016 </font></td>
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-align: center; text-indent: 0in; vertical-align: bottom"><font style="font-size: 10pt">0.10%</font></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<tr style="vertical-align: top">
    <TD STYLE="text-align: center; text-indent: 0in"><font style="font-size: 10pt">June 30, 2016 through and including September 30, 2016</font></td>
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-align: center; text-indent: 0in; vertical-align: bottom"><font style="font-size: 10pt">0.35%</font></td></tr>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: center; text-indent: 0in; vertical-align: bottom">&nbsp;</TD></TR>
<tr style="vertical-align: top">
    <TD STYLE="text-align: center; text-indent: 0in"><font style="font-size: 10pt">December 31, 2016 through and including September 30, 2017</font></td>
    <TD STYLE="text-align: center; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-align: center; text-indent: 0in; vertical-align: bottom"><font style="font-size: 10pt">0.40%</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-weight: normal"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="margin-left: 0.5in; font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse">
<tr style="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: center; width: 49%">Fiscal Quarter</td>
    <TD STYLE="width: 2%">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 10pt; text-align: center; width: 49%">Minimum Return on Average Assets</td></tr>
<tr style="vertical-align: bottom">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center">December 31, 2017 through and including September 30, 2018</td>
    <TD>&nbsp;</td>
    <TD STYLE="font-size: 10pt; text-align: center">0.45%</td></tr>
<tr style="vertical-align: bottom">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; text-align: center">December 31, 2018 and thereafter</td>
    <TD>&nbsp;</td>
    <TD STYLE="font-size: 10pt; text-align: center">0.50%</td></tr>
</table>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">Section
6.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Debt Service Coverage Ratio</U>. The Borrower will not permit,
as of June 30 and December 31 of each Fiscal Year, commencing December 31, 2015, its Debt Service Coverage Ratio to be less than
1.25:1.00. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For purposes of determining
compliance with each of the Financial Covenants in this Section, the defined terms used in this Section shall exclude, without
duplication, assets that are covered under loss-sharing or risk-sharing agreements with the FDIC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 6.6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Capital</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower will be &ldquo;well capitalized,&rdquo; or such other successor term with a similar meaning, for all applicable state
and federal regulatory purposes at all times, and will not be subject to any written agreement, order, capital directive or prompt
corrective action directive by any Governmental Authority having regulatory authority over the Borrower, except where such order,
capital directive or prompt corrective action directive does not result in, nor could reasonably be expected to result in, a Material
Adverse Effect, or (ii) if required by any Governmental Authority having regulatory authority over the Borrower in order to remain
&ldquo;well capitalized&rdquo; and in compliance with all applicable regulatory requirements, will have such higher amounts of
Total Risk-based Capital and Tier 1 Risk-based Capital and/or such greater Tier 1 Leverage Ratio as specified by such Governmental
Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Financial Institution Subsidiary of the Borrower will be &ldquo;well capitalized<I>,</I>&rdquo; or such other successor term with
a similar meaning, for all applicable state and federal regulatory purposes at all times, and such Financial Institution Subsidiary
(i) will have a Total Risk-based Capital Ratio of 10.50% or greater, a Tier 1 Risk based Capital Ratio of 9.50% or greater, and
a Tier 1 Leverage Ratio of 8.00% or greater (each as defined by applicable federal and state regulations or orders) and not be
subject to any written agreement, order, capital directive or prompt corrective action directive by any Governmental Authority
having regulatory authority over such Financial Institution Subsidiary, except where such order, capital directive or prompt corrective
action directive does not result in, nor could reasonably be expected to result in, a Material Adverse Effect, or (ii) if required
by any Governmental Authority having regulatory authority over such Financial Institution Subsidiary in order to remain &ldquo;well
capitalized&rdquo; and in compliance with all applicable regulatory requirements, will have such higher amounts of Total Risk-based
Capital and Tier 1 Risk-based Capital and/or such greater Tier 1 Leverage Ratio as specified by such Governmental Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
the foregoing, if at any time any such Governmental Authority changes the definition of &ldquo;well capitalized&rdquo; either by
amending such ratios or otherwise, such amended definition, and any such amended or new ratios, shall automatically, and in lieu
of the existing definitions and ratios set forth in this Section, be incorporated by reference into this Agreement as the minimum
standard for the Borrower or any Financial Institution Subsidiary, as the case may be, on and as of the date that any such amendment
becomes effective by applicable statute, regulation, order or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">Section
6.7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interest Coverage Ratio</U>.&nbsp;&nbsp;The Borrower will not permit, as
of June 30 and December 31 of each Fiscal Year, commencing December 31, 2015, its Interest Coverage Ratio to be less than 2.50:1.00.
</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">For purposes of determining
compliance with each of the Financial Covenants in this Section, the defined terms used in this Section shall exclude, without
duplication, assets that are covered under loss-sharing or risk-sharing agreements with the FDIC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
VII.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>NEGATIVE COVENANTS</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The Borrower covenants
and agrees that so long as any Borrowings, interest on the Borrowings, or any fee or other obligation owing hereunder remains unpaid:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indebtedness</U></B>.
The Borrower will not, and will not permit any of its Subsidiaries to, create, incur, assume or suffer to exist any Indebtedness,
except:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indebtedness
of the Borrower created pursuant to the Loan Documents;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indebtedness
existing on the date hereof and set forth on <U>Schedule 7.1</U>, and extensions, renewals and replacements of any such Indebtedness
that do not increase the outstanding principal amount thereof (immediately prior to giving effect to such extension, renewal or
replacement) or shorten the maturity or the weighted average life thereof;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Permitted
Financial Institution Subsidiary Indebtedness;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)
Indebtedness owed by the Borrower or any &ldquo;affiliate&rdquo; of the Borrower (as defined in Regulation W of the FRB and sections
23A and 23B of the Federal Reserve Act) to any Financial Institution Subsidiary not in violation of Regulation W of the FRB (as
amended, supplemented or otherwise modified), (ii) Indebtedness owed by any Subsidiary to the Borrower, or (iii) Indebtedness owed
by the Borrower or any Subsidiary to a Subsidiary other than a Financial Institution Subsidiary;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indebtedness
constituting capital leases of any real property and improvements thereon that are owned by the Borrower or any Subsidiary and
that have been sold by the Borrower or such Subsidiary to a third person and have been leased back from such Person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchase
money indebtedness and capitalized lease obligations secured by Liens permitted under this Agreement in an aggregate amount outstanding
at any time not to exceed $750,000, without Lender approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Negative
Pledge</U></B>. The Borrower will not, and will not permit any of its Subsidiaries to, create, incur, assume or suffer to exist
any Lien on any of its assets or property now owned or hereafter acquired (including without limitation in the case of the Borrower,
the capital stock of any Financial Institution Subsidiary), except:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liens
(if any) created in favor of the Lender;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Permitted
Encumbrances;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liens
granted to secure any Indebtedness expressly permitted pursuant to <U>Section 7.1(c)</U>, and <U>Section 7.1(e)</U> (as long as
such Lien shall extend only to the real property and improvements subject to such capital leases);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Liens
on property of the Borrower or any of its Subsidiaries created solely for the purpose of securing Indebtedness expressly permitted
by <U>Section 7.1(f)</U>, representing or incurred to finance, refinance or refund the purchase price of property, provided that
no such Lien shall extend to or encumber other property of the Borrower or such Subsidiary other than the respective property so
acquired, and the principal amount of Indebtedness secured thereby shall at no time exceed the original purchase price of such
property; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;extensions,
renewals, or replacements of any Lien referred to in paragraphs (a), (b), (c) and (d) of this Section.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Notwithstanding anything herein or otherwise
to the contrary, the Borrower shall not grant any Lien, or otherwise permit any Lien to exist, on the capital stock of any Financial
Institution Subsidiary (other than Liens in favor of the Lender).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Fundamental
Changes</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
than the SmartFinancial Merger or the Subsequent CCB Merger, the Borrower will not, and will not permit any Subsidiary to, (i)
merge into or consolidate into any other Person, or permit any other Person to merge into or consolidate with it, or (ii) sell,
lease, transfer or otherwise dispose of (in a single transaction or a series of transactions) all or a material portion of its
assets (other than in the ordinary course of business) or all or substantially all of the stock of any of its Subsidiaries or (iii)
liquidate or dissolve; <U>provided</U>, that if at the time thereof and immediately after giving effect thereto on a pro forma
basis, no Default or Event of Default shall have occurred, (A) the Borrower or any Subsidiary may merge with a Person, <U>provided</U>
that (1) if the Borrower is a party to such merger, the Borrower shall be the surviving Person in connection with such merger (including
the SmartFinancial Merger), (2) if a Subsidiary is a party to such merger, such Subsidiary shall be the surviving Person (if two
Subsidiaries are party to such merger, one of those Subsidiaries shall be the surviving Person, including the Subsequent CCB Merger)
and (3) such merger shall not constitute a Change in Control of the Borrower, (B) any Subsidiary may sell, lease, transfer or dispose
of its assets to the Borrower or another Subsidiary, (C) any Financial Institution Subsidiary may sell loans, investments, or other
similar assets in the ordinary course of its business, <U>provided</U>, that such sale or series of sales do not constitute a sale
of all or substantially all of such Financial Institution Subsidiary&rsquo;s assets, and (D) the Borrower and any Subsidiary may
sell any (i) real property and improvements thereon that are owned (in whole or in part) by the Borrower or such Subsidiary and
that are subsequently leased back by the Borrower or such Subsidiary and (ii) Other Real Estate Owned.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower will not dispose of any stock or other equity interest in any of its Financial Institution Subsidiaries, whether by sale,
assignment, lease or otherwise, without the prior written consent of Lender; <U>provided</U>, <U>however</U>, that, if at the time
thereof and immediately after giving effect thereto, on a pro forma basis, no Default or Event of Default shall exist or shall
have occurred, the Borrower shall be permitted to allow Financial Institution Subsidiaries to be merged into or consolidated with
any other Financial Institution Subsidiary, including the Subsequent CCB Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower will not, and will not permit any of its Subsidiaries to, engage to any material extent in any business other than businesses
of the type conducted by the Borrower and its Subsidiaries on the date hereof and businesses reasonably related thereto and any
types of businesses that are expressly permitted by any Governmental Authority having jurisdiction over the Borrower and/or any
Financial Institutions Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Restricted
Payments</U></B>. While an Event of Default has occurred and is continuing, or an Event of Default would result (on a pro forma
basis) from the making of such Restricted Payment (as defined below), the Borrower will not, and will not permit its Subsidiaries
to, declare or make, or agree to pay or make, directly or indirectly, any dividend on any class of its stock, or make any payment
on account of, or set apart assets for a sinking or other analogous fund for, the purchase, redemption, retirement, defeasance,
prepayment or other acquisition of, any shares of capital stock or Indebtedness subordinated to the Obligations of the Borrower
or any options, warrants, or other rights to purchase such capital stock or such Indebtedness, whether now or hereafter outstanding
(each a &ldquo;<B><I><U>Restricted Payment</U></I></B>&rdquo;); <U>provided</U>, <U>however</U>, that the Borrower and its Subsidiaries
may make and agree to make Restricted Payments in order to pay any Taxes then due of the Borrower; <U>provided</U>, <U>further</U>,
<U>however</U>, that any Subsidiary may make Restricted Payments to the Borrower at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Restrictive
Agreements</U></B>. The Borrower will not, and will not permit any Subsidiary to, directly or indirectly, enter into, incur or
permit to exist any agreement that prohibits, restricts or imposes any condition upon (a) the ability of the Borrower or any Subsidiary
to create, incur or permit any Lien upon any of its assets or properties, whether now owned or hereafter acquired, or (b) other
than in connection with the SmartFinancial Merger and the Merger Agreement, the ability of any Subsidiary to pay dividends or other
distributions with respect to its common stock, to make or repay loans or advances to the Borrower or any other Subsidiary, to
guarantee Indebtedness of the Borrower or any other Subsidiary or to transfer any of its property or assets to the Borrower or
any Subsidiary of the Borrower; <U>provided</U>, that (i) the foregoing shall not apply to restrictions or conditions imposed by
law or by this Agreement or any other Loan Document, (ii) the foregoing shall not apply to customary restrictions and conditions
contained in agreements relating to the sale of a Subsidiary pending such sale, provided such restrictions and conditions apply
only to the Subsidiary that is sold and such sale is permitted hereunder, and (iii) clause (a) shall not apply to customary provisions
in leases restricting the assignment thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Investments,
Etc</U></B>. The Borrower will not, and will not permit any of its Subsidiaries to, purchase, hold or acquire (including pursuant
to any merger with any Person that was not a wholly-owned Subsidiary prior to such merger), any capital stock, Indebtedness or
other securities (including any option, warrant, or other right to acquire any of the foregoing) of, make or permit to exist any
loans or advances to, Guarantee any obligations of, or make or permit to exist any investment or any other interest in, any other
Person, or purchase or otherwise acquire (in one transaction or a series of transactions) all or substantially all of the assets
of a Person, or of any business or division of any Person (all of the foregoing being collectively called &ldquo;<B><I><U>Investments</U></I></B>&rdquo;),
except:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments
existing on the date hereof (including Investments in Subsidiaries) that have been disclosed to the Lender and/or that are set
forth on the most current financial statements that have been delivered to the Lender;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments
purchased in the ordinary course of business by any Financial Institution Subsidiary;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments
made by the Borrower in or to any Subsidiary and by any Subsidiary in or to the Borrower or in or to another Subsidiary;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments
made for the purpose of making or consummating an Acquisition; <U>provided</U>, that (i) no Default or Event of Default shall have
occurred or would result (on a pro forma basis) from the making or consummation of such Acquisition, (ii) such Acquisitions are
undertaken in accordance with all applicable laws, and (iii) the prior written consent or approval of such Acquisition of the board
of directors or equivalent governing body of the Person being acquired has been obtained; <U>provided</U>, <U>further</U>, that
in the case of any Investment by the Borrower or any Subsidiary in which the Borrower or such Subsidiary acquires, directly or
indirectly, fifty percent (50%) or more of the voting stock any Person that is a regulated financial institution, such acquired
Person shall become a Financial Institution Subsidiary for purposes of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investments
pursuant to the SmartFinancial Merger and the Merger Agreement; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
Investments made in the ordinary course of business and in accordance with applicable laws and regulations and safe and sound business
practices including, but not limited to, any Investments acquired by any Subsidiary as a result of such Subsidiary&rsquo;s reasonable
decision to exercise remedies against collateral obtained by such Subsidiary in its ordinary course of business (such as foreclosure).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Transactions
with Affiliates</U></B>. Other than as set forth on <U>Schedule 7.7</U>, the Borrower will not, and will not permit any of its
Subsidiaries to, sell, lease or otherwise transfer any property or assets to, or purchase, lease or otherwise acquire any property
or assets from, or otherwise engage in any other transactions with, any of its Affiliates, except (a) in the ordinary course of
business at prices and on terms and conditions not less favorable to the Borrower or such Subsidiary than could be obtained on
an arm&rsquo;s-length basis from unrelated third parties, (b) transactions between or among the Borrower and any Subsidiary not
involving any other Affiliates and (c) any Restricted Payment expressly permitted by <U>Section 7.4</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Hedging
Transactions</U></B>. The Borrower will not, and will not permit any of the Subsidiaries to, enter into any Hedging Transaction,
other than (i) those permitted under section (k) of the defined term Permitted Financial Institution Indebtedness, or (ii) Hedging
Transactions entered into in the ordinary course of business to hedge or mitigate risks to which the Borrower or any Subsidiary
is exposed in the conduct of its business or the management of its liabilities. Solely for the avoidance of doubt, the Borrower
acknowledges that a Hedging Transaction entered into for speculative purposes or of a speculative nature (which shall be deemed
to include any Hedging Transaction under which the Borrower or any of the Subsidiaries is or may become obliged to make any payment
(i) in connection with the purchase by any third party of any Equity Interests or any Indebtedness or (ii) as a result of changes
in the market value of any Equity Interests or any Indebtedness) is not a Hedging Transaction entered into in the ordinary course
of business to hedge or mitigate risks</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 7.9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Unsafe
and Unsound Practices</U></B>. The Borrower will not, and will not permit any of its Subsidiaries to, engage in any unsafe or unsound
business practice that could reasonably be expected to have a Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
VIII.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>EVENTS OF DEFAULT</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 8.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Events
of Default</U></B>. If any of the following events (each an &ldquo;<U>Event of Default</U>&rdquo;) shall occur:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Borrower shall fail to pay any Borrowings when and as the same shall become due and payable, whether at the due date thereof or
otherwise and such failure shall continue unremedied for a period of three (3) Business Days; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Borrower shall fail to pay any interest on the Borrowings or any fee or any other Obligation (other than an amount payable under
clause (a) of this Article), when and as the same shall become due and payable and such failure shall continue unremedied for a
period of ten (10) days; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
representation or warranty made or deemed made by or on behalf of the Borrower or any Subsidiary in or in connection with this
Agreement or any other Loan Document (including the Schedules attached thereto) and any amendments or modifications hereof or waivers
hereunder, or in any certificate, report, financial statement or other document submitted to the Lender by the Borrower or any
representative of the Borrower pursuant to or in connection with this Agreement or any other Loan Document shall prove to be incorrect
in any material respect when made or deemed made or submitted; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Borrower shall fail to observe or perform any covenant or agreement contained in <U>Section 5.1</U>, <U>Section 5.2</U>, <U>Section
5.3</U> (with respect to the Borrower&rsquo;s existence), <U>Section 5.7</U>, <U>Section 5.9,</U> <U>Section 5.11</U> or <U>Article
VI</U> or <U>Article VII</U>; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Borrower or any of its Subsidiaries shall fail to observe or perform any covenant or agreement contained (i) in this Agreement
(other than those referred to in clauses (a), (b) and (d) above), and such failure shall remain unremedied for thirty (30) days
after the earlier of (x) any officer of the Borrower actually becomes aware of such failure, or (y) notice thereof shall have been
given to the Borrower by the Lender or (ii) in any other Loan Document (after taking into consideration any applicable grace periods);
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Borrower or any Subsidiary (whether as primary obligor or as guarantor or other surety) shall fail to pay any Indebtedness (other
than under the Loan Documents) owed to Lender in an amount greater than $1,000,000<B> </B>that is outstanding, when and as the
same shall become due and payable (whether at scheduled maturity, required prepayment, acceleration, demand or otherwise), and
such failure shall continue after the applicable grace period, if any, specified in the agreement or instrument evidencing such
Indebtedness; or, other than in connection with the redemption of certain of the Borrower&rsquo;s existing preferred securities
pursuant to the SmartFinancial Merger and the Merger Agreement, any other event shall occur or condition shall exist under any
agreement or instrument relating to such Indebtedness and shall continue after the applicable grace period, if any, specified in
such agreement or instrument, if the effect of such event or condition is to accelerate, or permit the acceleration of, the maturity
of such Indebtedness (without regard to whether such holders or other Persons shall have exercised or waived their right to do
so); or any such Indebtedness shall be declared to be due and payable; or required to be prepaid or redeemed (other than by a regularly
scheduled required prepayment or in connection with the redemption of certain of the Borrower&rsquo;s existing preferred securities
pursuant to the SmartFinancial Merger and the Merger Agreement), purchased or defeased, or any offer to prepay, redeem, purchase
or defease such Indebtedness shall be required to be made, in each case prior to the stated maturity thereof (and for purposes
of determining the amount of attributed Indebtedness under this clause (f) from Hedging Obligations, the &ldquo;principal amount&rdquo;
of any Hedging Obligations at any time shall be the Net Mark-to-Market Exposure of such Hedging Obligations); or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
security interest granted in the Stock Pledge and Security Agreement ceases to be valid or fails to or ceases to create a first
priority security interest in and to the collateral described therein (subject to the Permitted Encumbrances), or any Loan Document
ceases to be in full force and effect; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Borrower or any Subsidiary shall (i) commence a voluntary case or other proceeding or file any petition seeking liquidation, reorganization
or other relief under any federal, state or foreign bankruptcy, insolvency or other similar law now or hereafter in effect or seeking
the appointment of a custodian, trustee, receiver, liquidator or other similar official of it or any substantial part of its property,
(ii) consent to the institution of, or fail to contest in a timely and appropriate manner, any proceeding or petition described
in clause (i) of this Section, (iii) apply for or consent to the appointment of a custodian, trustee, receiver, liquidator or other
similar official for the Borrower or any such Subsidiary or for a substantial part of its assets, (iv) file an answer admitting
the material allegations of a petition filed against it in any such proceeding, (v) make a general assignment for the benefit of
creditors, or (vi) take any action for the purpose of effecting any of the foregoing; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;an
involuntary proceeding shall be commenced or an involuntary petition shall be filed seeking (i) liquidation, reorganization or
other relief in respect of the Borrower or any Subsidiary or its debts, or any substantial part of its assets, under any federal,
state or foreign bankruptcy, insolvency or other similar law now or hereafter in effect or (ii) the appointment of a custodian,
trustee, receiver, liquidator or other similar official for the Borrower or any Subsidiary or for a substantial part of its assets,
and in any such case, such proceeding or petition shall remain undismissed for a period of sixty (60) days or an order or decree
approving or ordering any of the foregoing shall be entered; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;without
duplication of clause (f) of this <U>Section 8.1</U>, the Borrower or any Subsidiary shall become unable to pay, shall admit in
writing its inability to pay, or shall fail to pay, its debts as they become due; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;an
ERISA Event shall have occurred that, in the opinion of the Lender, when taken together with other ERISA Events that have occurred,
could reasonably be expected to result in liability to the Borrower and the Subsidiaries in an aggregate amount exceeding $250,000;
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
judgment or order for the payment of money in excess of $1,500,000 in the aggregate shall be rendered against the Borrower or any
Subsidiary, and either (i) enforcement proceedings shall have been commenced by any creditor upon such judgment or order or (ii)
there shall be a period of thirty (30) consecutive days during which a stay of enforcement of such judgment or order, by reason
of a pending appeal or otherwise, shall not be in effect; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
non-monetary judgment or order shall be rendered against the Borrower or any Subsidiary that could reasonably be expected to have
a Material Adverse Effect, and there shall be a period of thirty (30 )consecutive days during which a stay of enforcement of such
judgment or order, by reason of a pending appeal or otherwise, shall not be in effect; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[intentionally
deleted]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
Change in Control shall occur; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
Governmental Authority having regulatory authority over the Borrower or any Subsidiary shall take any action that restricts, or
has the practical effect of restricting, the payment of dividends from any such Subsidiary to the Borrower or the payment of any
debt owing by a Subsidiary to the Borrower; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
Financial Institution Subsidiary shall cease for any reason (other than as a result of being merged into another Financial Institution
Subsidiary) to be an insured bank under the Federal Deposit Insurance Act, as amended; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
FRB, the OCC, the FDIC or any other Governmental Authority charged with the regulation of bank holding companies or depository
institutions: (i) issues (whether orally or in writing) to the Borrower or any Financial Institution Subsidiary, or initiates through
formal proceedings any action, suit or proceeding to obtain against, impose on or require from the Borrower or any Financial Institution
Subsidiary, a cease and desist order or similar regulatory order, the assessment of civil monetary penalties, articles of agreement,
a memorandum of understanding, a capital directive, a capital restoration plan, restrictions that prevent or as a practical matter
impair the payment of dividends by any Financial Institution Subsidiary or the payments of any debt by the Borrower, restrictions
that make the payment of the dividends by any Financial Institution Subsidiary or the payment of debt by the Borrower subject to
prior regulatory approval, a notice or finding under subsection 8(a) of the Federal Deposit Insurance Act, as amended, or any similar
enforcement action, measure or proceeding; or (ii) proposes or issues (whether orally or in writing) to any executive officer or
director of the Borrower or any Financial Institution Subsidiary, or initiates any action, suit or proceeding to obtain against,
impose on or require from any such officer or director, a cease and desist order or similar regulatory order, a removal order or
suspension order, or the assessment of civil monetary penalties, unless any such orders or penalties would not reasonably be expected
to have a Material Adverse Effect; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;there
shall occur with respect to any Financial Institution Subsidiary any event that is grounds for the required submission of a capital
restoration plan under 12 U. S. C. &sect;1831o (e)(2) and the regulations thereunder, or a conservator or receiver is appointed
for any Financial Institution Subsidiary; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
order or decree is entered by any court of competent jurisdiction directly or indirectly enjoining or prohibiting the Lender or
the Borrower from performing any of their respective obligations under this Agreement or under any of the other Loan Documents
and such order or decree is not vacated, and the proceedings out of which such order or decree arose are not dismissed, within
sixty (60) days after the granting of such decree or order; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Borrower or any Financial Institution Subsidiary shall enter into a written agreement with any Governmental Authority having regulatory
authority over such Person for any reason which could reasonably be expected to have a Material Adverse Effect; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
filing of formal charges by any Governmental Authority or quasi-governmental entity, including, without limitation, the issuance
of an indictment under a RICO Related Law against Borrower or any Subsidiary of Borrower; then, and in every such event (other
than an event with respect to the Borrower or any Subsidiary described in clause (g) or (h) of this Section) and at any time thereafter
during the continuance of such event, the Lender may, by notice to the Borrower, take any or all of the following actions, at the
same or different times: (i) declare the Borrowings and any accrued interest on the Borrowings, and all other Obligations owing
hereunder, to be, whereupon the same shall become due and payable immediately, without presentment, demand, protest or other notice
of any kind, all of which are hereby waived by the Borrower and (ii) exercise all remedies contained in any other Loan Document;
and that, if an Event of Default specified in either clause (h) or (i) shall occur, the Borrowings then outstanding, together with
accrued interest thereon, and all fees, and all other Obligations shall automatically become due and payable, without presentment,
demand, protest or other notice of any kind, all of which are hereby waived by the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
IX.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>RESERVED</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">ARTICLE
X.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>MISCELLANEOUS</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
in the case of notices and other communications expressly permitted to be given by telephone, all notices and other communications
to any party herein to be effective shall be in writing and shall be delivered by hand or overnight courier service, mailed by
certified or registered mail or sent by telecopy, as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in; text-indent: -2in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse; margin-left: 1in">
<tr style="vertical-align: top">
    <TD STYLE="width: 41%; text-indent: 0in">To the Borrower:</td>
    <TD STYLE="width: 59%; text-indent: 0in">Cornerstone Bancshares, Inc., to be renamed SmartFinancial, Inc.</td></tr>
<tr style="vertical-align: top">
    <td style="text-indent: 0in">&nbsp;</td>
    <td style="text-indent: 0in">5401 Kingston Pike, Suite 600</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse; margin-left: 1in">
<tr style="vertical-align: top">
    <TD STYLE="width: 41%; text-indent: 0in">&nbsp;</td>
    <TD STYLE="width: 59%; text-indent: 0in">Knoxville, TN 37919</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attn: William Y. Carroll, Jr.</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Telephone Number:&nbsp;&nbsp;(865) 868-0613</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in"></td>
    <TD STYLE="text-indent: 0in">Fax Number:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (865) 453-2204</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">with a copy (which shall not constitute notice) to:</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Cornerstone Bancshares, Inc.</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">835 Georgia Avenue</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Chattanooga, Tennessee 37402</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attention: Nathaniel F. Hughes</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Facsimile: (423) 385-3137</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">with a copy (which shall not constitute notice) to:</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Miller &amp; Martin PLLC</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">832 Georgia Avenue</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Suite 1200, Volunteer Building</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Chattanooga, Tennessee 37402</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attention: Roddy Bailey</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Facsimile: (423) 321-1567</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">with a copy (which shall not constitute notice) to:</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Butler Snow LLP</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">150 3<sup>rd</sup> Avenue South</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Suite 1600</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Nashville, Tennessee 37201</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attention: Adam G. Smith</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Facsimile: (615) 651-6701</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">To the Lender:&nbsp;&nbsp;</td>
    <TD STYLE="text-indent: 0in">CapStar Bank</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in"></td>
    <TD STYLE="text-indent: 0in">201 4<SUP>th</SUP> Avenue North, Suite 950</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Nashville, Tennessee 37219</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attn: Larry Brooks, Senior Credit Officer</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in"></td>
    <TD STYLE="text-indent: 0in">Telephone Number:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(615) 732-7522</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in"></td>
    <TD STYLE="text-indent: 0in">Fax Number:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(615) 732-7523</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">with a copy (which shall not constitute notice) to:</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Waller Lansden Dortch &amp; Davis, LLP</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">511 Union Street, Suite 2700</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Nashville, Tennessee 37219</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attention: Robert L. Harris</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Facsimile: (615) 244-6804</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Any party hereto may change its address
or telecopy number for notices and other communications hereunder by notice to the other parties hereto. All such notices and other
communications shall, when transmitted by overnight delivery, or faxed, be effective when delivered for overnight (next-day) delivery,
or transmitted in legible form by facsimile machine, respectively, or if mailed, upon the third Business Day after the date deposited
into the mails or if delivered, upon delivery; <U>provided</U>, that notices delivered to the Lender shall not be effective until
actually received by the Lender at its address specified in this <U>Section 10.1</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
agreement of the Lender herein to receive certain notices by telephone or facsimile is solely for the convenience and at the request
of the Borrower. The Lenders shall be entitled to rely on the authority of any Person purporting to be a Person authorized by the
Borrower to give such notice, and the Lender shall not have any liability to the Borrower or other Person on account of any action
taken or not taken by the Lender in reliance upon such telephonic or facsimile notice. The obligation of the Borrower to repay
the Loans and all other Obligations hereunder shall not be affected in any way or to any extent by any failure of the Lender to
receive written confirmation of any telephonic or facsimile notice or the receipt by the Lender of a confirmation which is at variance
with the terms understood by the Lender to be contained in any such telephonic or facsimile notice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver;
Amendments</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
failure or delay by the Lender in exercising any right or power hereunder or any other Loan Document, and no course of dealing
between the Borrower and the Lender, shall operate as a waiver thereof, nor shall any single or partial exercise of any such right
or power or any abandonment or discontinuance of steps to enforce such right or power, preclude any other or further exercise thereof
or the exercise of any other right or power hereunder or thereunder. The rights and remedies of the Lender hereunder and under
the other Loan Documents are cumulative and are not exclusive of any rights or remedies provided by law. No waiver of any provision
of this Agreement or any other Loan Document or consent to any departure by the Borrower therefrom shall in any event be effective
unless the same shall be permitted by paragraph (b) of this Section, and then such waiver or consent shall be effective only in
the specific instance and for the purpose for which given. Without limiting the generality of the foregoing, the making of the
Loans and the allowance of any Borrowings shall not be construed as a waiver of any Default or Event of Default, regardless of
whether the Lender may have had notice or knowledge of such Default or Event of Default at the time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
amendment or waiver of any provision of this Agreement or the other Loan Documents, nor consent to any departure by the Borrower
therefrom, shall in any event be effective unless the same shall be in writing and signed by the Borrower and the Lender, and then
such waiver or consent shall be effective only in the specific instance and for the specific purpose for which given. Notwithstanding
anything herein or otherwise to the contrary, any Event of Default occurring hereunder shall continue to exist (and shall be deemed
to be continuing) until such time as such Event of Default is waived in writing in accordance with the terms of this Section notwithstanding
(i) any attempted cure or other action taken by the Borrower or any other Person subsequent to the occurrence of such Event of
Default or (ii) any action taken or omitted to be taken by the Lender prior to or subsequent to the occurrence of such Event of
Default (other than the granting of a waiver in writing in accordance with the terms of this Section).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Expenses;
Indemnification</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower shall pay (i) all reasonable, out-of-pocket costs and expenses of the Lender and its Affiliates (including, without limitation,
the reasonable fees, charges and disbursements of outside counsel and the allocated cost of inside counsel for the Lender and its
Affiliates) in connection with any amendments, modifications or waivers thereof (whether or not the transactions contemplated in
this Agreement or any other Loan Document shall be consummated), and (ii) all reasonable, out-of-pocket costs and expenses (including,
without limitation, the reasonable fees, charges and disbursements of outside counsel and the allocated cost of inside counsel)
incurred by the Lender in connection with the enforcement or protection of its rights in connection with this Agreement, including
its rights under this Section, or in connection with the Borrowings made hereunder, including all such reasonable, out-of-pocket
expenses incurred during any workout, restructuring or negotiations in respect of the Loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower shall indemnify the Lender and each officer, director, employee, agents, advisors and Affiliates of the Lender (each,
an &ldquo;<B><I><U>Indemnitee</U></I></B>&rdquo;) against, and hold each of them harmless from, any and all costs, losses, liabilities,
claims, damages and related expenses, including the fees, charges and disbursements of any counsel for any Indemnitee, which may
be incurred by any Indemnitee, or asserted against any Indemnitee by the Borrower or any third Person, arising out of, in connection
with or as a result of (i) the execution or delivery of any this Agreement or any other Loan Document, the performance by the parties
hereto of their respective obligations hereunder or the consummation of any of the transactions contemplated hereby, (ii) the Loans
or any actual or proposed use of the proceeds therefrom, (iii) any actual or alleged presence or release of Hazardous Materials
on or from any property owned by the Borrower or any Subsidiary or any Environmental Liability related in any way to the Borrower
or any Subsidiary or (iv) any actual or prospective claim, litigation, investigation or proceeding relating to any of the foregoing,
whether brought by the Borrower or any third Person and whether based on contract, tort, or any other theory and regardless of
whether any Indemnitee is a party thereto; <U>provided</U>, that such indemnity shall not, as to any Indemnitee, be available to
the extent that such losses, claims, damages, liabilities or related expenses are determined by a court of competent jurisdiction
in a final and nonappealable judgment to have resulted from the gross negligence or willful misconduct of such Indemnitee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower shall pay, and hold the Lender harmless from and against, any and all present and future stamp, documentary, and other
similar taxes with respect to this Agreement and any other Loan Documents, or any payments due thereunder, and save the Lender
harmless from and against any and all liabilities with respect to or resulting from any delay or omission by the Borrower to pay
such taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reserved</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the extent permitted by applicable law, the Borrower shall not assert, and hereby waives, any claim against any Indemnitee, on
any theory of liability, for special, indirect, consequential or punitive damages (as opposed to actual or direct damages) arising
out of, in connection with or as a result of, this Agreement or any agreement or instrument contemplated hereby, the transactions
contemplated therein, the Loans or the use of proceeds thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
amounts due under this Section shall be payable promptly after written demand therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Successors
and Assigns</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
provisions of this Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors
and assigns, except that the Borrower may not assign or transfer any of its rights hereunder without the prior written consent
of each Lender (and any attempted assignment or transfer by the Borrower without such consent shall be null and void).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lender
reserves the right to sell, assign, transfer, negotiate or grant participations in all or any part of, or any interest in, Lender's
rights and benefits under this Agreement and each of the other Loan Documents. In connection therewith, Lender may disclose all
documents and information which Lender now has or may hereafter acquire relating to any credit subject hereto, Borrower or its
business, or the business of Borrower, or any collateral for the Loan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Lender may at any time pledge or assign a security interest in all or any portion of its rights under this Agreement, and/or Line
of Credit Note to secure its obligations to a Federal Reserve Bank without complying with this Section; <U>provided</U>, that no
such pledge or assignment shall release Lender from any of its obligations hereunder or substitute any such pledgee or assignee
for Lender as a party hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law; Jurisdiction; Consent to Service of Process</U></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;THIS
AGREEMENT AND THE OTHER LOAN DOCUMENTS SHALL BE CONSTRUED IN ACCORDANCE WITH AND BE GOVERNED BY THE LAW (WITHOUT GIVING EFFECT
TO THE CONFLICT OF LAW PRINCIPLES THEREOF) OF THE STATE OF TENNESSEE.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower hereby irrevocably and unconditionally submits, for itself and its property, to the non-exclusive jurisdiction of any
Federal and/or state court located in the State of Tennessee and any appellate court from any thereof, in any action or proceeding
arising out of or relating to this Agreement or any other Loan Document or the transactions contemplated hereby or thereby, or
for recognition or enforcement of any judgment, and each of the parties hereto hereby irrevocably and unconditionally agrees that
all claims in respect of any such action or proceeding may be heard and determined in such Tennessee state court or, to the extent
permitted by applicable law, such Federal court. Each of the parties hereto agrees that a final judgment in any such action or
proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner provided
by law. Nothing in this Agreement or any other Loan Document shall affect any right that the Lender may otherwise have to bring
any action or proceeding relating to this Agreement or any other Loan Document against the Borrower or its properties in the courts
that have jurisdiction over the Borrower.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Borrower irrevocably and unconditionally waives any objection which it may now or hereafter have to the laying of venue of any
such suit, action or proceeding described in paragraph (b) of this Section and brought in any state or federal court located in
the State of Tennessee and referred to in paragraph (b) of this Section. Each of the parties hereto irrevocably waives, to the
fullest extent permitted by applicable law, the defense of an inconvenient forum to the maintenance of such action or proceeding
in any such court.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
party to this Agreement irrevocably consents to the service of process in the manner provided for notices in <U>Section 10.1</U>.
Nothing in this Agreement or in any other Loan Document will affect the right of any party hereto to serve process in any other
manner permitted by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.6.&nbsp;&nbsp;&nbsp;&nbsp;<U>WAIVER
OF JURY TRIAL</U></B>. EACH PARTY HERETO IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY
HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF THIS AGREEMENT OR ANY OTHER LOAN DOCUMENT
OR THE TRANSACTIONS CONTEMPLATED HEREBY OR THEREBY (WHETHER BASED ON CONTRACT, TORT OR ANY OTHER THEORY).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Right
of Setoff</U>.</B> In addition to any rights now or hereafter granted under applicable law and not by way of limitation of any
such rights, Lender shall have the right, at any time or from time to time upon the occurrence and during the continuance of an
Event of Default, without prior notice to the Borrower, any such notice being expressly waived by the Borrower to the extent permitted
by applicable law, to set off and apply against all deposits (general or special, time or demand, provisional or final) of the
Borrower at any time held or other obligations at any time owing by Lender to or for the credit or the account of the Borrower
against any and all Obligations owed to Lender under this Agreement, irrespective of whether Lender shall have made demand hereunder
and although such Obligations may be unmatured. Lender agrees promptly to notify the Borrower after any such set-off and any application
made by Lender; provided, that the failure to give such notice shall not affect the validity of such set-off and application.<B><U>
</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts;
Integration</U></B>. This Agreement may be executed by one or more of the parties to this Agreement on any number of separate counterparts
(including by telecopy), and all of said counterparts taken together shall be deemed to constitute one and the same instrument.
This Agreement, the other Loan Documents, and any separate letter agreement(s) relating to any fees payable to the Lender constitute
the entire agreement among the parties hereto and thereto regarding the subject matters hereof and thereof and supersede all prior
agreements and understandings, oral or written, regarding such subject matters.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Survival</U></B>.
All covenants, agreements, representations and warranties made by the Borrower herein and in the certificates or other instruments
delivered in connection with or pursuant to this Agreement shall be considered to have been relied upon by the other parties hereto
and shall survive the execution and delivery of this Agreement and the Loans, regardless of any investigation made by any such
other party or on its behalf and notwithstanding that the Lender may have had notice or knowledge of any Default or incorrect representation
or warranty at the time any credit is extended hereunder, and shall continue in full force and effect as long as the principal
of or any accrued interest on the Borrowings or any fee or any other amount payable under this Agreement is outstanding and unpaid.
The provisions of <U>Section 10.3</U> shall survive and remain in full force and effect regardless of the consummation of the transactions
contemplated hereby, the repayment of the Loans or the termination of this Agreement or any provision hereof. All representations
and warranties made herein, in the certificates, reports, notices, and other documents delivered pursuant to this Agreement shall
survive the execution and delivery of this Agreement and the other Loan Documents, and the making of the Loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.10.&nbsp;&nbsp;&nbsp;<U>Severability</U></B>.
Any provision of this Agreement or any other Loan Document held to be illegal, invalid or unenforceable in any jurisdiction, shall,
as to such jurisdiction, be ineffective to the extent of such illegality, invalidity or unenforceability without affecting the
legality, validity or enforceability of the remaining provisions hereof or thereof; and the illegality, invalidity or unenforceability
of a particular provision in a particular jurisdiction shall not invalidate or render unenforceable such provision in any other
jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.11.&nbsp;&nbsp;<U>Confidentiality</U></B>.
Lender agrees to maintain the confidentiality of any and all non-public, confidential or proprietary information, identified to
the Lender as such, of or relating to the Borrower, SmartFinancial, or any Subsidiary (including without limitation CCB and SmartBank)
and their respective businesses, operations, finances or strategies (&ldquo;<U>Confidential Information</U>&rdquo;). For purposes
of this Section, Confidential Information shall not include: (1) information that was already known to the recipient without an
obligation of confidentiality to the Borrower, SmartFinancial or any Subsidiary with respect to such information, (2) information
that was obtained from a third party who was not known to Lender to be under an obligation of confidentiality to the Borrower,
SmartFinancial or any Subsidiary with respect to such information, (3) information that is or becomes publicly available, other
than through a breach of this Section by the Lender or any Participant or any of their respective representatives, employees or
agents. Notwithstanding the foregoing, Confidential Information may be disclosed (i) to any officer, director, agent, affiliate
or representative of the Lender, including without limitation accountants, legal counsel and other advisors; <U>provided</U>, <U>however</U>,
that such Person shall agree to be bound by the confidentiality provisions set forth in this Section with respect to such information,
(ii) to the extent required by applicable laws or regulations or by any subpoena or similar legal process, (iii) to the extent
requested by any regulatory agency or authority, (iv) to the extent necessary in connection with the exercise of any remedy hereunder
or any suit, action or proceeding relating to this Agreement or the enforcement of rights hereunder, (v) subject to provisions
substantially similar to this <U>Section 10.11</U>, to any actual or prospective assignee or Participant, or (vi) with the prior
written consent of the Borrower. Any Person required to maintain the confidentiality of any information as provided for in this
Section shall be considered to have complied with its obligation to do so if such Person has exercised the same degree of care
to maintain the confidentiality of such information as such Person would accord its own confidential information, but in no event
less than a reasonable degree of care.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.12.&nbsp;&nbsp;<U>Waiver
of Effect of Corporate Seal</U></B>. The Borrower represents and warrants that it is not required to affix its corporate seal to
this Agreement or any other Loan Document pursuant to any requirement of law or regulation, agrees that this Agreement is delivered
by Borrower under seal and waives any shortening of the statute of limitations that may result from not affixing the corporate
seal to this Agreement or such other Loan Documents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>Section 10.13.&nbsp;&nbsp;<U>Patriot
Act</U></B>. The Lender hereby notifies the Borrower that pursuant to the requirements of the USA PATRIOT Act (Title III of Pub.
L. 107-56 (signed into law October 26, 2001)) (the &ldquo;<U>Patriot Act</U>&rdquo;), it is required to obtain, verify and record
information that identifies the Borrower, which information includes the name and address of the Borrower and other information
that will allow Lender to identify the Borrower in accordance with the Patriot Act. The Borrower shall, and shall cause each of
its Subsidiaries to, provide to the extent commercially reasonable, such information and take such other actions as are reasonably
requested by the Lender in order to assist the Lender in maintaining compliance with the Patriot Act.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[Remainder of page intentionally left
blank. Signatures appear on following pages]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="margin: 0"><FONT STYLE="color: #000000"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000"><B>IN
WITNESS WHEREOF</B>, the parties hereto have caused this Loan Agreement to be duly executed by their respective authorized officers
as of the day and year first above written.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000"><B>CORNERSTONE BANCSHARES, INC.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">a Tennessee corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="color: #000000">By</FONT></TD>
    <TD STYLE="width: 45%; border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">/s/<I>Nathaniel F. Hughes</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">Name: Nathaniel F. Hughes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">Title:&nbsp;&nbsp;President &amp; CEO</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000"><B>CAPSTAR BANK</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">as Lender</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">By</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">/s/ <I>Larry Brooks</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">Name:&nbsp;&nbsp;&nbsp;Larry Brooks</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">Title:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior Credit Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.5pt; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.5pt; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4.5pt; text-align: center"><FONT STYLE="color: #000000"><B>Schedules
Omitted</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; background-color: white"><FONT STYLE="color: #000000">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white"><FONT STYLE="color: #000000"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white"><FONT STYLE="color: #000000"><B>EXHIBIT
A</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; background-color: white"><FONT STYLE="color: #000000"><B>&nbsp;</B></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000"><U>FORM
OF LINE OF CREDIT NOTE</U></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-weight: normal; color: #000000">Attached
</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-weight: normal; color: #000000">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="color: #000000">EXHIBIT 2.2</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="color: #000000"><U>FORM
OF NOTICE OF BORROWING</U></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="color: #000000">[Date]</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 25.5pt; text-indent: -25.5pt"><FONT STYLE="color: #000000">CapStar
Bank</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">201 4<SUP>th</SUP> Avenue North,
Suite 950</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 25.5pt; text-indent: -25.5pt"><FONT STYLE="color: #000000">Nashville,
Tennessee 37219</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: #000000">Attention:
Mr. Larry Brooks</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: #000000">Ladies and
Gentlemen:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">Reference
is made to the Loan Agreement dated as of August 28, 2015 (as amended and in effect on the date hereof, the &ldquo;<U>Agreement</U>&rdquo;),
among the undersigned, as Borrower and CapStar Bank, as Lender. Terms defined in the Agreement are used herein with the same meanings.
This notice constitutes the Notice of Borrowing, and the Borrower hereby requests a Borrowing pursuant to the Agreement, and in
that connection the Borrower specifies the following information:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="color: #000000">(A)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">The
                                         Borrowing is a Line of Credit Borrowing</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="color: #000000">(B)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">Amount
                                         of Borrowing: $[________]</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in; text-align: left"><FONT STYLE="color: #000000">(C)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">Date
                                         of Borrowing: _____ __, 201_</FONT></TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: #000000">(D)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">Location
                                         and number of Borrower&rsquo;s account to which Borrowing is to be disbursed: _________________________</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">The
Borrower hereby represents and warrants that the conditions specified in of <U>Section&nbsp;3.2</U> of the Agreement are satisfied.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">Very truly yours,</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">[CORNERSTONE BANCSHARES, INC.]<BR>
    [SMARTFINANCIAL, INC.]</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD STYLE="width: 5%"><FONT STYLE="color: #000000">By:</FONT></TD>
    <TD STYLE="width: 45%; border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">Name:</FONT></TD>
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">Title:</FONT></TD>
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt">&nbsp;</DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="color: #000000">EXHIBIT
3.1(b)(viii)</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="color: #000000"><U>FORM
OF OFFICER&rsquo;S CERTIFICATE</U></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="color: #000000">[Insert
Effective Date]</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">Reference
is made to that certain Loan Agreement dated as of August 28, 2015 (as amended and in effect on the date hereof, the &ldquo;<U>Agreement</U>&rdquo;)
among CORNERSTONE BANCSHARES, INC. a Tennessee corporation (to be renamed SmartFinancial, Inc., the &ldquo;<U>Borrower</U>&rdquo;)
and CAPSTAR BANK, as Lender. Terms defined in the Agreement are used herein with the same meanings. This certificate is being
delivered pursuant to <U>Section 3.1(b)(viii)</U> of the Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">I,
_________, the ___________ of the Borrower, DO HEREBY CERTIFY that:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: #000000">(a)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">the
                                         representations and warranties of the Borrower set forth in the Agreement are true and
                                         correct on and as of the date hereof;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: #000000">(b)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">no
                                         Default or Event of Default has occurred and is continuing at the date hereof;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: #000000">(c)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">since
                                         December 31, 2014, there has been no change, event or other circumstance which has had
                                         or could reasonably be expected to have a Material Adverse Effect; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: #000000">(d)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">no
                                         consents, approvals, authorizations, registrations, filings or orders are required to
                                         be made or obtained under any applicable law, or by any Contractual Obligation of the
                                         Borrower, in connection with the execution, delivery, performance, validity and enforceability
                                         of the Loan Documents or any of the transactions contemplated thereby.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">IN
WITNESS WHEREOF, I have hereunto signed my name as _________ of the Borrower and not in an individual capacity this _________
day of __________, 201_.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD STYLE="width: 7%"><FONT STYLE="color: #000000">Name:</FONT></TD>
    <TD STYLE="width: 43%; border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt">&nbsp;</DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="color: #000000">EXHIBIT
3.2(b)</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000"><U>FORM
OF OFFICER&rsquo;S CERTIFICATE</U></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="color: #000000">[Insert
Closing Date]</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">Reference
is made to that certain Loan Agreement dated as of August 28, 2012 (as amended and in effect on the date hereof, the &ldquo;<U>Agreement</U>&rdquo;)
among CORNERSTONE BANCSHARES, INC., a Tennessee corporation (to be renamed SmartFinancial, Inc., the &ldquo;<U>Borrower</U>&rdquo;)
and CAPSTAR BANK, as Lender. Terms defined in the Agreement are used herein with the same meanings. This certificate is being
delivered pursuant to <U>Section 3.2(b)</U> of the Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">I,
_________, the ___________ of the Borrower, DO HEREBY CERTIFY that:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: #000000">(a)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">the
                                         representations and warranties of the Borrower set forth in the Agreement are true and
                                         correct on and as of the date hereof;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: #000000">(b)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">no
                                         Default or Event of Default has occurred and is continuing at the date hereof;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: #000000">(c)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">since
                                         December 31, 2014, there has been no change, event or other circumstance which has had
                                         or could reasonably be expected to have a Material Adverse Effect; and</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in"><FONT STYLE="color: #000000">(d)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="color: #000000">no
                                         consents, approvals, authorizations, registrations, filings or orders are required to
                                         be made or obtained under any applicable law, or by any Contractual Obligation of the
                                         Borrower, in connection with the execution, delivery, performance, validity and enforceability
                                         of the Loan Documents or any of the transactions contemplated thereby.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">IN
WITNESS WHEREOF, I have hereunto signed my name as _________ of the Borrower and not in an individual capacity this _________
day of __________, 201_.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt; color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD STYLE="width: 7%"><FONT STYLE="color: #000000">Name:</FONT></TD>
    <TD STYLE="width: 43%; border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">Title:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">&nbsp;&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"><FONT STYLE="color: #000000">&nbsp;&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><FONT STYLE="color: #000000"><U>EXHIBIT
5.1(d)</U></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000"><U>FORM
OF COMPLIANCE CERTIFICATE</U></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%"><FONT STYLE="color: #000000">To:</FONT></TD>
    <TD STYLE="width: 95%"><FONT STYLE="color: #000000">CapStar Bank</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">201 4<SUP>th</SUP> Avenue North, Suite 950</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">Nashville, Tennessee 37219</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in"><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD STYLE="text-indent: 0in"><FONT STYLE="color: #000000">Attention: Larry Brooks</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><FONT STYLE="color: #000000">Ladies and
Gentlemen:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">Reference
is made to that certain Loan Agreement dated as of August 28, 2015 (as amended and in effect on the date hereof, the &ldquo;<U>Agreement</U>&rdquo;),
among CORNERSTONE BANCSHARES, INC., a Tennessee corporation (to be renamed SmartFinancial, Inc., the &ldquo;<U>Borrower</U>&rdquo;)
and CAPSTAR BANK, as Lender. Capitalized terms used herein and not otherwise defined shall have the meanings assigned to such
terms in the Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">I,
________________, being the duly elected and qualified, and acting in my capacity as <B><I>[Chief Financial Officer][President]
</I></B>of the Borrower, hereby certify to the Lender as follows:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
financial statements of the Borrower and its Subsidiaries for the Fiscal <B><I>[Quarter</I>/<I>Year]</I></B> ending provided to
the Lenders as provided in <U>Section 5.1</U> of the Credit Agreement fairly present in all material respects the financial condition
of the Borrower and its Subsidiaries as at the end of such Fiscal <B><I>[Quarter / Year]</I></B> on a consolidated <B>[(and, as
applicable, consolidating)] </B>basis, and the related statements of income and cash flows of the Borrower and its Subsidiaries
for such Fiscal <B><I>[Quarter / Year]</I></B>, in accordance with generally accepted accounting principles consistently applied
(subject, in the case of such quarterly Call Reports and F-Y-9 Reports, to normal year-end audit adjustments and the absence of
footnotes).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
calculations set forth in <U>Attachment I</U> are computations of the financial covenants set forth in <U>Article VI</U> of the
Agreement calculated in accordance with the terms of the Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Based
upon a review of the activities of Borrower and its Subsidiaries and the financial statements attached hereto during the period
covered thereby, as of the date hereof, there exists no Default or Event of Default.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #000000">IN
WITNESS WHEREOF, I have hereunto signed my name as <B><I>[Chief Financial Officer][President]</I></B> of the Borrower and not
in an individual capacity this ____ day of _______________, 201_.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%"><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD STYLE="width: 7%"><FONT STYLE="color: #000000">Name:</FONT></TD>
    <TD STYLE="width: 43%; border-bottom: Black 1pt solid"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD><FONT STYLE="color: #000000">Title:</FONT></TD>
    <TD><FONT STYLE="color: #000000"><B>[Chief Financial Officer][President]</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt">&nbsp;</DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000"><U>Attachment
I to Compliance Certificate</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in"><FONT STYLE="color: #000000">For
the Fiscal <B><I>[Quarter / Semiannual Period]</I></B> ended___________, 201_</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">I.&nbsp;&nbsp;&nbsp;Section
6.1 &ndash; Ratio of Nonperforming Assets to Total Assets (Tested for</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="color: #000000">Each Financial
Institution Subsidiary)</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 86%; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">A.&nbsp;&nbsp;&nbsp;Nonperforming
    Loans:</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; width: 14%; text-align: left"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="color: #000000">1.&nbsp;&nbsp;&nbsp;&nbsp;Nonaccrual
    loans and lease financing receivables:</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">$_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.5in; text-align: justify; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="color: #000000">2.&nbsp;&nbsp;&nbsp;&nbsp;Loans
    and lease financing receivables that are contractually past due 90 days or more as to interest or principal and are still
    accruing interest:</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">$</FONT>_____________</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.5in; text-align: justify; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="color: #000000">3.&nbsp;&nbsp;&nbsp;&nbsp;Nonperforming
    Loans (Lines I.A.1 + I.A.2):</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">$</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.5in; text-align: justify; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">B.&nbsp;&nbsp;&nbsp;Other
    Real Estate Owned:</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">$_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">C.&nbsp;&nbsp;&nbsp;Nonperforming
    Assets (Lines I.A.3 + I.B.):</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">$_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">D.&nbsp;&nbsp;&nbsp;Total
    Assets:</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">$_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">E.&nbsp;&nbsp;&nbsp;&nbsp;Ratio
    of Nonperforming Assets to Total Assets (Line I.C &divide; Line I.D):</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">_____________<FONT STYLE="color: #000000">%</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font-style: italic">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: #000000">Maximum
    permitted at the end of each Fiscal Quarter:</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: #000000">3.25%</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font-style: italic"><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: justify"><FONT STYLE="color: #000000"><B>[Pass] [Fail]</B></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold"><FONT STYLE="color: #000000">II.&nbsp;&nbsp;&nbsp;Section
    6.2 &ndash; Texas Ratio (Tested for Each Financial Institution Subsidiary)</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">A.&nbsp;&nbsp;&nbsp;Nonperforming
    Assets (Lines I.C.):</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">$</FONT>_____________</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">B.&nbsp;&nbsp;&nbsp;Tangible
    Equity:</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: top; padding-left: 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="color: #000000">1.&nbsp;&nbsp;&nbsp;&nbsp;Total
Equity Capital</FONT></TD>
    <TD NOWRAP STYLE="text-align: left"><FONT STYLE="color: #000000">$</FONT>_____________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: top; padding-left: 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="color: #000000">2.&nbsp;&nbsp;&nbsp;&nbsp;Total
Intangible Assets</FONT></TD>
    <TD NOWRAP STYLE="text-align: left"><FONT STYLE="color: #000000">$</FONT>_____________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="vertical-align: top; padding-left: 0.5in; text-align: justify; text-indent: -0.25in"><FONT STYLE="color: #000000">3.&nbsp;&nbsp;&nbsp;&nbsp;Tangible
Equity (Lines II.B.1 &ndash; II.B.2)</FONT></TD>
    <TD NOWRAP STYLE="text-align: left"><FONT STYLE="color: #000000">$</FONT>_____________</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">C.&nbsp;&nbsp;&nbsp;Allowance
    for Loan and Lease Losses:</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000">$</FONT>_____________</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">D.&nbsp;&nbsp;&nbsp;Texas
    Ratio (Line II.A &divide; [Line II.B.3 + Line II.C]):</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">_____________<FONT STYLE="color: #000000">%</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font-style: italic">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: #000000">Maximum
    permitted at the end of each Fiscal Quarter:</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: #000000">35.00%</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; font-style: italic"><FONT STYLE="color: #000000">&nbsp;</FONT></TD>
    <TD NOWRAP STYLE="vertical-align: bottom; text-align: left"><FONT STYLE="color: #000000"><B>[Pass] [Fail]</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 72%; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold"><FONT STYLE="color: #000000">III.&nbsp;&nbsp;Section
    6.3 &ndash; Liquidity Ratio (Tested for Each Financial Institution Subsidiary)</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 28%"><FONT STYLE="color: #000000">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">A.&nbsp;&nbsp;&nbsp;Cash
    and Balances Due From Depository Institutions:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="color: #000000">$_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="color: #000000">B.&nbsp;&nbsp;&nbsp;Securities:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="color: #000000">$</FONT>_____________</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 72%; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">C.&nbsp;&nbsp;&nbsp;Federal
    Funds Sold and Securities Purchased Under Agreements to Resell:</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 28%"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">D.&nbsp;&nbsp;&nbsp;Trading
    Assets:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">E.&nbsp;&nbsp;&nbsp;&nbsp;Pledged
    Securities:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">F.&nbsp;&nbsp;&nbsp;&nbsp;Total
    Liabilities:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">G.&nbsp;&nbsp;&nbsp;&nbsp;Liquidity
    Ratio ([Line III.A + Line III.B + Line III.C + Line III.D &ndash; Line III.E] &divide; Line III.F0 (Current Fiscal Quarter):</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________<FONT STYLE="color: #000000">%</FONT></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">H.&nbsp;&nbsp;&nbsp;&nbsp;Liquidity
    Ratio for the prior two Quarters</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________<FONT STYLE="color: #000000">%,
    _____%</FONT></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; font-style: italic"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">Requirement:</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"><BR>
    <BR></FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">More than 9.00%,
    and cannot be less than 10.00% for more than 2 quarters</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"><BR>
    <FONT STYLE="color: #000000"><B>[Pass] [Fail]</B></FONT></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">IV.&nbsp;&nbsp;&nbsp;Section
    6.4 &ndash; Return on Average Assets (Tested for Each Financial Institution Subsidiary)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">A.&nbsp;&nbsp;&nbsp;&nbsp;Net
    Income:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">B.&nbsp;&nbsp;&nbsp;&nbsp;Average
    Total Assets:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">C.&nbsp;&nbsp;&nbsp;&nbsp;Return
    on Average Assets (Line IV.A &divide; Line IV.B):</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________<FONT STYLE="color: #000000">%</FONT></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; font-style: italic"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">Minimum
    permitted for each Fiscal Quarter:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">0.25% for 12/31/15
    (annualized Q4 2014 only); 0.10% for 12/31/15 through 3/31/16; 0.35% for 6/30/16 and 9/30/16; 0.40% for 12/31/16 through 9/30/17;
    0.45% for 12/31/17 through 9/30/18; 0.50% for 12/31/18 and thereafter </FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"><BR>
    <FONT STYLE="color: #000000"><B>[Pass] [Fail]</B></FONT></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; font-style: italic"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">V.&nbsp;&nbsp;&nbsp;Section
    6.5 &ndash; Debt Service Coverage Ratio (Tested for the Borrower and its Subsidiaries as of 6/30 and 12/31 of each Fiscal
    Year, commencing 12/31/2015)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">A.&nbsp;&nbsp;&nbsp;Consolidated
    Net Income of the Borrower</FONT></TD>
    <TD STYLE="padding-left: 0.6pt; text-align: left; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.6pt; text-align: left; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">B.&nbsp;&nbsp;&nbsp;&nbsp;Borrower&rsquo;s
    Interest Expenses:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">C.&nbsp;&nbsp;&nbsp;&nbsp;Scheduled
    Amortization Payments of Borrower:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">D.&nbsp;&nbsp;&nbsp;&nbsp;Cash
    Interest Payments of the Borrower:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">E.&nbsp;&nbsp;&nbsp;&nbsp;Debt
    Service Coverage Ratio ([Line V.A + Line V.B] &divide; [Line V.C + Line V.D]):</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;___
    : 1.00</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; font-style: italic"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">Minimum
    permitted:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;&nbsp;&nbsp;<FONT STYLE="color: #000000">1.25 : 1.00</FONT><BR><FONT STYLE="color: #000000"> <B>[Pass] [Fail]</B></FONT></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000">&nbsp;</FONT></P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 72%"><P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">VI.&nbsp;Section
                                         6.6 &ndash; Regulatory Capital</FONT></P>
                                                <P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">&nbsp;</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; color: #000000">As
        of the end of the Fiscal Quarter ended _________________, 201__, the Borrower and each Financial Subsidiary is &ldquo;well
        capitalized&rdquo; in accordance with, and satisfy each of the ratios specified in, Section 6.5 of the Credit Agreement.
        </FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; color: #000000">&nbsp;</FONT></P></TD>
    <TD STYLE="vertical-align: bottom; width: 28%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000"><B>[Yes
                                         - Pass]</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000"><B>[No
        - Fail]</B></FONT></P></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; color: #000000">Total
    Risk-Based Capital Ratio (Tested for Each Financial Institution Subsidiary) &ndash; Not Less Than 10.50%</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">________%</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"><BR>
    <FONT STYLE="color: #000000"><B>[Pass] [Fail]</B></FONT></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; color: #000000">Tier
    1 Risk-Based Capital Ratio (Tested for Each Financial Institution Subsidiary) &ndash; Not Less Than 9.50%</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">________%</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"><BR>
    <FONT STYLE="color: #000000"><B>[Pass] [Fail]</B></FONT></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal; color: #000000">Tier
    1 Leverage Ratio (Tested for Each Financial Institution Subsidiary) &ndash; Not Less Than 8.00%</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">________%</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"><BR>
    <FONT STYLE="color: #000000"><B>[Pass] [Fail]</B></FONT></FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">VI.&nbsp;&nbsp;Section
    6.7 &ndash; Interest Coverage Ratio (Tested for the Borrower and its Subsidiaries as of 6/30 and 12/31 of each Fiscal Year,
    commencing 12/31/2015)</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">A.&nbsp;&nbsp;&nbsp;Consolidated
    Net Income of the Borrower</FONT></TD>
    <TD STYLE="padding-left: 0.6pt; text-align: left; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0.25in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 0.6pt; text-align: left; text-indent: 0in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">B.&nbsp;&nbsp;&nbsp;&nbsp;Borrower&rsquo;s
    Interest Expenses:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-align: justify; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">C.&nbsp;&nbsp;&nbsp;&nbsp;Cash
    Interest Payments of the Borrower:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">$</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif">_____________</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">D.&nbsp;&nbsp;&nbsp;&nbsp;Interest
    Coverage Ratio ([Line VII.A + Line V.B] &divide; [Line V.C]):</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;___
    : 1.00</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; text-indent: -0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-left: 0.25in; font-style: italic"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: #000000">Minimum
    permitted:</FONT></TD>
    <TD STYLE="vertical-align: bottom"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.50
    : 1.00<BR>
    <B>[Pass] [Fail]</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: #000000"><B>&nbsp;</B></FONT></P>

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<DOCUMENT>
<TYPE>EX-2.3
<SEQUENCE>3
<FILENAME>v419670_ex2-3.htm
<DESCRIPTION>EXHIBIT 2.3
<TEXT>
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<P STYLE="margin: 0; text-align: right">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Exhibit 2.3</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><U>LINE OF CREDIT NOTE</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; font-size: 10pt">$8,000,000</TD>
    <TD STYLE="width: 50%; font-size: 10pt; text-align: right">August 28, 2015</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; text-align: right">Nashville, Tennessee</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">FOR VALUE RECEIVED,
the undersigned, CORNERSTONE BANCSHARES, INC, a Tennessee corporation (to be re-named SMARTFINANCIAL, INC., along with its successors
and assigns, the &ldquo;<B><I>Borrower</I></B>&rdquo;), hereby promises to pay to CAPSTAR BANK (the &ldquo;<B><I>Lender</I></B>&rdquo;)
or its registered assigns at its principal office, or any other office that the Lender designates, on the Maturity Date (as defined
in the Loan Agreement dated as of the date hereof (as the same may be amended, restated, supplemented or otherwise modified from
time to time, the &ldquo;<B><I>Loan Agreement</I></B>&rdquo;)), among the Borrower and Lender, the lesser of the principal sum
of EIGHT MILLION AND 00/100 DOLLARS ($8,000,000.00) and the aggregate unpaid principal amount of the Line of Credit Facility made
by the Lender to the Borrower pursuant to the Loan Agreement, in lawful money of the United States of America in immediately available
funds, and to pay interest from the date hereof on the principal amount thereof from time to time outstanding, in like funds, at
said office, at the rate or rates per annum and payable on such dates as provided in the Loan Agreement. Capitalized terms which
are undefined herein shall have the meanings given to them in the Loan Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The line of credit
facility evidenced by this Line of Credit Note is secured by, among other things, the Stock Pledge and Security Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Upon the occurrence
of an Event of Default, at the option of the Lender, the Borrower promises to pay interest, on demand, at a rate or rates provided
in the Loan Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This Line of Credit
Note is issued in connection with, and is entitled to the benefits of, the Loan Agreement which, among other things, contains provisions
for the acceleration of the maturity hereof upon the happening of certain events and for the amendment or waiver of certain provisions
of the Loan Agreement, all upon the terms and conditions therein specified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS LINE OF CREDIT
NOTE SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF TENNESSEE (WITHOUT GIVING EFFECT TO ANY CONFLICT
OF LAWS) AND ANY APPLICABLE LAWS OF THE UNITED STATES OF AMERICA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>CORNERSTONE BANCSHARES, INC.</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">a Tennessee corporation</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 44%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ <I>Nathaniel F. Hughes</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:</TD>
    <TD>Nathaniel F. Hughes</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD>President and Chief Executive Officer</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">Signature Page to Revolving Credit Note</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="margin: 0"></P>

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<DOCUMENT>
<TYPE>EX-2.4
<SEQUENCE>4
<FILENAME>v419670_ex2-4.htm
<DESCRIPTION>EXHIBIT 2.4
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0; text-align: right">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Exhibit 2.4</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">STOCK PLEDGE AND SECURITY AGREEMENT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS STOCK PLEDGE AND
SECURITY AGREEMENT (the &ldquo;<U>Agreement</U>&rdquo;), dated as of August 28, 2015, by CORNERSTONE BANCSHARES, INC. (to be re-named
SmartFinancial, Inc., along with its successors and assigns, &ldquo;<U>Pledgor</U>&rdquo;) in favor of CAPSTAR BANK (the &ldquo;<U>Secured
Party</U>&rdquo;) in order to further secure the Obligations (as herein defined) and for the consideration herein specified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>WITNESSETH</U>:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Pledgor
has requested a line of credit facility from the Secured Party in the original principal amount of up to Eight Million Dollars
($8,000,000.00) (the &ldquo;<U>Loan</U>&rdquo;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Pledgor
acknowledges that the Secured Party would not make the Loan but for the pledge of the Pledged Shares (as herein defined) to the
Secured Party, as the pledgee hereunder, to secure the Loan and all other Obligations (as herein defined), including all principal,
interest, fees and other charges owed and to be owing thereon; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, this Agreement
is given by the Pledgor in favor of the Secured Party to secure the payment and performance of all of the Obligations;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, in
consideration of the foregoing and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>AGREEMENT</U>:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 1. <U>Pledge</U>.
As security for the prompt payment, observance and performance when due (by acceleration or otherwise) of the Obligations, the
Pledgor hereby pledges and grants to the Secured Party, a continuing first priority security interest in all of the Pledgor&rsquo;s
right, title and interest in and to, whether now existing or hereafter acquired, the following property:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100%
of the common stock and Equity Interests of Cornerstone Community Bank, a Tennessee chartered commercial bank headquartered at
5319 Highway 153, Chattanooga, Tennessee 37343 (the &ldquo;<U>Bank</U>&rdquo;) registered on the stock transfer records of the
Bank in the name of the Pledgor (the &ldquo;<U>Pledged Shares</U>&rdquo;) (which to the extent permitted by law are, and shall
remain at all times until this Agreement terminates, certificated securities);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;all
additional shares of Equity Interests of the Bank from time to time issued or issuable to the Pledgor, in whole or in part, including
replacement securities, the securities of any successor in interest to the Bank, and any stock dividends (which to the extent permitted
by law are, and shall remain at all times until this Agreement terminates, certificated securities) (which shares shall be deemed
to be part of the Pledged Shares);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;all
dividends, cash, options, warrants, rights, instruments, distributions, returns of capital, income, profits and other property,
interests or proceeds from time to time received, receivable or otherwise distributed by the Bank (and any successor in interest
of the Bank) in respect of or in exchange for any or all of the Pledged Shares (collectively, &ldquo;<U>Distributions</U>&rdquo;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;all
Proceeds (as defined under the Uniform Commercial Code as in effect in Tennessee or under other relevant law) of any of the foregoing,
and in any event including, without limitation, any and all (1) amounts paid or payable to the Pledgor with respect to the Pledged
Shares; (2) payments (in any form whatsoever) made or due and payable to the Pledgor from time to time in connection with any requisition,
confiscation, condemnation, seizure or forfeiture of all or any part of the Pledged Shares by any governmental authority (or any
person acting on behalf of a governmental authority), (3) instruments representing obligations to pay amounts in respect of Pledged
Shares, (4) products of the Pledged Shares, and (5) other amounts from time to time paid or payable under or in connection with
any of the Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2. <U>Obligations</U>.
This Agreement secures, and the Pledged Shares are hereby pledged to the Secured Party as collateral security for, the prompt payment
and performance in full when due, whether at stated maturity, by acceleration or otherwise, of (a) the obligations of the Pledgor
under this Agreement (including, without limitation, the obligation of the Pledgor to repay any and all sums advanced by the Secured
Party, at its option, in respect of the Pledged Shares, and (b) the present and future obligations of the Pledgor to the Secured
Party, including, without limitation, the &ldquo;Obligations,&rdquo; as such term is defined in the Loan Agreement, defined below
(the &ldquo;<U>Obligations</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3. <U>Loan
and Loan Documents</U>. The consideration for this Agreement consists of the Secured Party&rsquo;s agreement to make the Loan and
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged by the Pledgor. At the date
hereof, the &ldquo;<U>Loan Documents</U>&rdquo; are this Agreement, that certain Loan Agreement dated as of even date herewith
between Pledgor, as borrower, and Secured Party, as lender (as amended from time to time, the &ldquo;<U>Loan Agreement</U>&rdquo;),
that certain Line of Credit Note dated as of even date herewith from Pledgor, as borrower, to Secured Party, as payee. The &ldquo;Loan
Documents&rdquo; shall also be deemed to include all present and future documents and instruments relating to the Obligations executed
by Borrower, by Pledgor, by Bank, and/or by any other Person, together with all amendments, modifications, extensions, and/or other
changes thereto at any time and from time to time. Any violation of this Agreement shall constitute an Event of Default; and any
Default or Event of Default shall be a default hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4. <U>Delivery
of Pledged Shares</U>. All certificates evidencing the Pledged Shares shall be delivered to and held by the Secured Party pursuant
hereto. All Pledged Shares shall be in suitable form for transfer by delivery and shall be accompanied by duly executed instruments
of transfer or assignment in blank (with signatures appropriately guaranteed), all in form and substance satisfactory to the Secured
Party. The Secured Party shall have the right, at any time, and without notice to the Pledgor, to endorse, assign or otherwise
transfer to or to register in the name of the Secured Party or any of its nominees any or all of the Pledged Shares. In addition,
the Secured Party shall have the right at any time to exchange certificates representing or evidencing Pledged Shares for certificates
of smaller or larger denominations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5. <U>Supplements;
Further Assurances</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
any time and from time to time, at the expense of the Pledgor, the Pledgor shall promptly execute and deliver all further instruments
and documents, including supplemental or additional UCC-1 financing statements, and take all further action that may be necessary
or that the Secured Party may request, in order to perfect and protect any pledge or security interest granted or purported to
be granted hereby or to enable the Secured Party to exercise and enforce its rights and remedies hereunder with respect to any
Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor shall, upon obtaining any additional shares of the stock of the Bank, promptly (and in any event within five business days)
deliver to the Secured Party duly executed instruments of transfer or assignments in blank (with signatures appropriately guaranteed),
all in form and substance satisfactory to the Secured Party. In the absence of any such stock transfer document or documents, the
Pledgor hereby authorizes the Secured Party to execute such document or documents as it shall deem proper as attorney-in-fact for
the Pledgor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6. <U>Representations
and Warranties</U>. The Pledgor represents and warrants to the Secured Party, as an inducement to the Secured Party to make the
Loan and to enter into the Loan Documents, that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor is, and at the time of any delivery of any Pledged Shares to the Secured Party pursuant to <U>Section 4</U> of this Agreement
will be, the legal and beneficial owner of the Pledged Shares. All Pledged Shares are on the date hereof and will be, subject to
<U>Section 8 </U>hereof, so owned by the Pledgor free and clear of any lien or other encumbrance except for the lien created by
this Agreement. The Pledged Shares pledged by the Pledgor hereunder constitute all the issued and outstanding Equity Interests
of all classes of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor is a Tennessee corporation in good standing in the State of Tennessee and has full power, authority and legal right to
pledge all the Pledged Shares pursuant to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
Pledgor&rsquo;s knowledge, no consent of any party (including, without limitation, any governmental agencies, boards, departments,
stockholders or creditors of the Pledgor) and no consent, authorization, approval, or other action by, and no notice to or filing
with, any governmental authority or other Person or entity is required either (1) for the pledge by the Pledgor of the Pledged
Shares pursuant to this Agreement or for the execution, delivery or performance of this Agreement by the Pledgor, (2) for the exercise
by the Secured Party of the voting or other rights provided for in this Agreement, or (3) for the exercise by the Secured Party
of the remedies in respect of the Pledged Shares pursuant to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
Pledgor&rsquo;s knowledge, all of the Pledged Shares have been, and to the extent hereafter issued will be upon such issuance,
duly authorized and validly issued and fully paid and nonassessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor&rsquo;s chief executive office address is, following the SmartFinancial Merger, the one specified in <U>Section 17</U>
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor has delivered to the Secured Party all certificates representing the Pledged Shares and such delivery and pledge of the
Pledged Shares pursuant to this Agreement creates a valid and perfected first priority security interest or the comparable interest
under foreign law in the Pledged Shares securing the payment of the Obligations pursuant to the Uniform Commercial Code in effect
in the State of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement constitutes the legal, valid and binding obligation of the Pledgor, enforceable against the Pledgor in accordance with
its terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
information set forth herein relating to the Pledged Shares is accurate and complete in all respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
pledge of the Pledged Shares pursuant to this Agreement does not violate Regulation G, T, U or X or any other provision of any
applicable law or regulation or any order, judgment, writ, award or decree of any court, arbitrator or governmental authority applicable
to the Pledgor, to the Bank, or to the Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor at all times will be the beneficial owner of the Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7. <U>Voting
Rights, Distributions: Etc</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to any default or any vote that would be or result in a Default or Event of Default:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor shall be entitled to exercise any and all voting and other consensual rights pertaining to the Pledged Shares or any part
thereof for any purpose not inconsistent with the terms or purpose of this Agreement or any of the other Loan Documents; provided,
however, that the Pledgor shall not in any event exercise such rights in any manner which may have a material adverse effect on
the value of the Pledged Shares or the security intended to be provided by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the provisions of <U>Section 1</U> hereof and the terms of the Loan Agreement, the Pledgor shall be entitled to receive and
retain, and to utilize free and clear of the lien of this Agreement any and all cash Distributions; <U>provided</U>, <U>however</U>,
that any and all such Distributions consisting of rights or interests in the form of shares of stock shall be, and shall be forthwith
delivered to the Secured Party to hold as Pledged Shares and shall, if received by the Pledgor, be received in trust for the benefit
of the Secured Party, be segregated from the other property or funds of the Pledgor, and be forthwith delivered to the Secured
Party as Pledged Shares in the same form as so received (with any necessary endorsement and stock powers executed in blank).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Secured Party shall be deemed without further action or formality to have granted to the Pledgor all necessary consents relating
to voting rights and shall, if necessary, upon written request of the Pledgor and at the Pledgor&rsquo;s sole expense, from time
to time execute and deliver (or cause to be executed and delivered) to the Pledgor all such instruments as the Pledgor may reasonably
request in order to permit the Pledgor to exercise the voting and other rights which it is entitled to exercise pursuant to <U>Section
7(a)(1)</U> hereof and to receive the Distributions which it is authorized to receive and retain pursuant to <U>Section 7(a)(2)</U>
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
any Default or Event of Default, or if the vote(s) to be cast by Pledgor would violate the terms of the Loan Documents or otherwise
result in a default under this Agreement or Default or Event of Default under any of the other Loan Documents:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
rights of the Pledgor to exercise the voting and other consensual rights they would otherwise be entitled to exercise pursuant
to <U>Section 7(a)(1)</U> hereof without any action or the giving of any notice shall cease, and all such rights shall thereupon
become vested in the Secured Party, which shall thereupon have the sole right to exercise such voting and other consensual rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
rights of the Pledgor to receive cash Distributions which they would otherwise be authorized to receive and retain pursuant to
<U>Section 7(a)(2)</U> hereof shall cease and all such rights shall thereupon become vested in the Secured Party, which shall thereupon
have the sole right to receive such cash Distributions and to apply them to reduce the Obligations and the obligations of the Pledgor
under this Agreement in such order and manner as Secured Party shall determine.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor shall, at its own expense, from time to time execute and deliver to the Secured Party appropriate instruments as the Secured
Party may request in order to permit the Secured Party to exercise the voting and other rights which it may be entitled to exercise
pursuant to <U>Section 7(b)(2)</U> hereof and to receive all Distributions which it may be entitled to receive under <U>Section
7(b)(2)</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
Distributions which are received by the Pledgor contrary to the provisions of <U>Section 7(b)(2)</U> hereof shall be received in
trust for the benefit of the Secured Party, shall be segregated from other funds of the Pledgor and shall immediately be paid over
to the Secured Party as Pledged Shares in the same form as so received (with any necessary endorsement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 8. <U>Transfers
and Other Liens; Principal Residence; Suretyship Defenses</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor shall not (1) sell, convey, assign or otherwise dispose of, or grant any option, right or warrant with respect to, any
of the Pledged Shares or (2) create, suffer or permit to exist any lien or other encumbrance upon or with respect to the Pledged
Shares other than the lien and security interest granted to the Secured Party under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
than as contemplated by the SmartFinancial Merger, the Pledgor shall not change the location or address of its chief executive
office without giving the Secured Party not less than 45 days prior written notice of such change.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
the signature below the Pledgor waives any claims or defenses based on suretyship defenses including, without limitation, release
or impairment of collateral, impairment of rights of subrogation or contribution, or any comparable right, claim or defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9. <U>Reasonable
Care</U>. The Secured Party shall be deemed to have exercised reasonable care in the custody and preservation of the Pledged Shares
in its possession if the Pledged Shares are accorded treatment substantially equivalent to that which the Secured Party, in its
individual capacity, accords its own property consisting of similar instruments or interests, it being understood that the Secured
Party shall not have responsibility for:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ascertaining
or taking action with respect to calls, conversions, exchanges, maturities, tenders or other matters relating to any Pledged Shares,
whether or not the Secured Party has or is deemed to have knowledge of such matters, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;taking
any necessary steps to preserve rights against any person or entity with respect to any Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 10. <U>Remedies
upon Default; Decisions Relating to Exercise</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After
a Default or Event of Default, the Secured Party shall be entitled to exercise any of the rights, powers and remedies (whether
vested in it by this Agreement or by any other Loan Document or by law) for the protection and enforcement of the rights of the
Secured Party in respect of the Pledged Shares, and the Secured Party may, in addition to other rights and remedies provided for
herein or otherwise available to it to be exercised from time to time, do any one or more of the following acts, which the Pledgor
hereby agrees to be commercially reasonable: (1) retain and apply the Distributions to the Obligations as provided for in <U>Section
11</U> hereof, (2) transfer all or any part of the Pledged Shares into the Secured Party&rsquo;s name or the name of its nominee
or nominees, and (3) exercise all the rights and remedies of a secured party upon default under the Uniform Commercial Code in
effect in any applicable jurisdiction at that time, and the Secured Party may also in its sole discretion, without notice except
as specified below, sell the Pledged Shares or any part thereof (including, without limitation, any partial interest in the Pledged
Shares) in one or more parcels at public or private sale, at any exchange, broker&rsquo;s board or at any of the Secured Party&rsquo;s
offices or elsewhere, for cash, on credit or for future delivery, and at such price or prices and upon such other terms as the
Secured Party may deem commercially reasonable, irrespective of the impact of any such sales on the market price of the Pledged
Shares. The Secured Party or any of its affiliates may be the purchaser of any or all of the Pledged Shares at any such sale and
shall be entitled, for the purpose of bidding and making settlement or payment of the purchase price for all or any portion of
the Pledged Shares sold at such sale, to use and apply any of the Obligations owed to such person or entity as a credit on account
of the purchase price of any Pledged Shares payable by such person at such sale. Each purchaser at any such sale shall acquire
the property sold absolutely free from any claim or right on the part of the Pledgor, and the Pledgor hereby waives (to the full
extent permitted by law) all rights of redemption, stay and/or appraisal which it now has or may at any time in the future have
under any rule of law or statute now existing or hereafter enacted. The Pledgor acknowledges and agrees that, to the extent notice
of sale shall be required by law, the sending or personal delivery of written notice to the Pledgor ten (10) days in advance of
the time and place of any public sale or the time after which any private sale is to be made shall constitute reasonable notification
to the Pledgor. The Secured Party shall not be obligated to make any sale of Pledged Shares regardless of notice of sale having
been given. The Secured Party may adjourn any public or private sale from time to time by announcement at the time and place fixed
therefor, and such sale may, without further notice, be made at the time and place to which it was so adjourned. The Pledgor hereby
waives any claims against the Secured Party arising by reason of the fact that the price at which any Pledged Shares may have been
sold at such a private sale was less than the price which might have been obtained at a public sale.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor recognizes that, by reason of certain prohibitions contained in the Securities Act of 1933, as amended (the &ldquo;<U>Securities
Act</U>&rdquo;), and applicable state securities laws, the Secured Party may be compelled, with respect to any sale of all or any
part of the Pledged Shares, to limit purchasers to persons who will agree, among other things, to acquire the Pledged Shares for
their own account, for investment and not with a view to the distribution or resale thereof. The Pledgor acknowledges that any
such private sales may be at prices and on terms less favorable to the Secured Party than those obtainable through a public sale
without such restrictions (including, without limitation, a public offering made pursuant to a registration statement under the
Securities Act), and, notwithstanding such circumstances, agrees that any such private sale shall be deemed to have been made in
a commercially reasonable manner and that the Secured Party shall have no obligation to engage in public sales and no obligation
to delay the sale of any Pledged Shares for the period of time necessary to permit the issuer thereof to register it for a form
of public sale requiring registration under the Securities Act or under applicable state securities laws, even if such issuer would
agree to do so.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Secured Party determines to exercise its right to sell any or all of the Pledged Shares, upon written request, the Pledgor
shall from time to time furnish to the Secured Party all such information as the Secured Party may request in order to determine
the number of Pledged Shares which may be sold by the Secured Party as exempt transactions under the Securities Act and the rules
of the Securities and Exchange Commission thereunder, and/or any applicable state securities commission or agency, as the same
are from time to time in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition to any of the other rights and remedies hereunder, the Secured Party shall have the right to institute a proceeding seeking
specific performance in connection with any of the agreements or obligations hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 11. <U>Application
of Proceeds</U>. All Distributions held from time to time by the Secured Party and all cash proceeds received by the Secured Party
in respect of any sale of, collection from, or other realization upon all or any part of the Pledged Shares pursuant to the exercise
by the Secured Party of its remedies as a secured creditor as provided in <U>Section 10</U> hereof shall be applied from time to
time by the Secured Party to reduce the Obligations of the Pledgor to the Secured Party for principal, interest, fees or other
charges, whether as to direct debt or guaranteed obligations, or both, as the Secured Party shall deem proper.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 12. <U>Expenses</U>.
The Pledgor shall upon demand pay to the Secured Party the amount of any and all reasonable out of pocket expenses, including the
reasonable fees and expenses of its counsel and the reasonable fees and expenses of any experts and agents, which the Secured Party
may incur in connection with (a) the collection of the Obligations, (b) the administration of this Agreement, (c) the custody or
preservation of, or the sale of, collection from, or other realization upon, any of the Pledged Shares, (d) the exercise or enforcement
of any of the rights of the Secured Party hereunder or (e) the failure by the Pledgor to perform or observe any of the provisions
hereof. All amounts payable by the Pledgor under this Section 12 shall be due upon demand and shall be part of the Obligations.
The Pledgor&rsquo;s obligations under this Section shall survive the termination of this Agreement and the discharge of the Pledgor&rsquo;s
other obligations hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 13. <U>No Waiver;
Cumulative Remedies</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
failure on the part of the Secured Party to exercise, no course of dealing with respect to, and no delay on the part of the Secured
Party in exercising, any right, power or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise
of any such right, power or remedy hereunder preclude any other or further exercise thereof or the exercise of any other right,
power or remedy. The remedies herein provided are cumulative and are not exclusive of any remedies provided by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event the Secured Party shall have instituted any proceeding to enforce any right, power or remedy under this instrument by
foreclosure, sale, entry or otherwise, and such proceeding shall have been discontinued or abandoned for any reason or shall have
been determined adversely to the Secured Party, then and in every such case, the Pledgor and the Secured Party shall be restored
to their respective former positions and rights hereunder with respect to the Pledged Shares, and all rights, remedies and powers
of the Secured Party shall continue as if no such proceeding had been instituted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 14. <U>The
Secured Party May Perform; The Secured Party Appointed Attorney-in-Fact</U>. If the Pledgor shall fail to do any act or thing that
they have covenanted to do hereunder or any warranty on the part of the Pledgor contained herein shall be breached, the Secured
Party may (but shall not be obligated to) do the same or cause it to be done or remedy any such breach, and may expend funds for
such purpose. Any and all amounts so expended by the Secured Party shall be paid by the Pledgor promptly upon demand therefor,
with interest at the highest rate then in effect under any promissory note held by Secured Party during the period from and including
the date so expended to the date of repayment. The Pledgor&rsquo;s obligations under this <U>Section 14</U> shall survive the termination
of this Agreement and the discharge of the Pledgor&rsquo;s other obligations hereunder and under the Loan Documents. The Pledgor
hereby appoints the Secured Party as its attorney-in-fact (a power coupled with an interest<B>)</B>, with full authority in the
place and stead of the Pledgor and in the name of the Pledgor, or otherwise, from time to time in the Secured Party&rsquo;s discretion
to take any action and to execute any instrument consistent with the terms of this Agreement and the other Loan Documents which
the Secured Party may deem necessary or advisable to accomplish the purposes of this Agreement; <U>provided</U>, <U>however</U>,
that Secured Party's authority granted&nbsp;in this Section 14&nbsp;shall be exercisable only&nbsp;after the occurrence of a Default
or Event of Default. The foregoing grant of authority is a power of attorney coupled with an interest and such appointment shall
be irrevocable until this Agreement has been terminated as specified herein. The Pledgor hereby ratifies all that such attorney
shall lawfully do or cause to be done by virtue hereof other than anything that constitutes gross negligence or willful misconduct
by such attorney.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15. <U>Amendments;
Etc</U>. This Agreement may not be amended or modified except by written agreement of the Pledgor and the Secured Party, and no
consent or waiver hereunder shall be valid unless in writing and signed by the person or persons giving such consent or waiver,
provided that any amendment or modification that releases all or a significant portion of the Pledged Shares hereunder shall require
only the written consent of the Secured Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 16. <U>Future
Advances, Etc</U>. This Agreement shall secure payment of any amounts advanced from time to time pursuant to and/or in connection
with the Obligations and shall secure all amounts now and hereafter owing with respect to the Obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 17. <U>Notices</U>.
All notices, requests and demands will be given to or made upon the respective parties hereto in writing (the term &ldquo;in writing&rdquo;
to include reference to communications by overnight or same-day delivery (charges prepaid) by a courier facsimile provided the
same are promptly confirmed by letter sent through the United States Postal Service, first-class postage prepaid) at their respective
addresses as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in; text-align: left">If to Pledgor:</TD><TD STYLE="text-align: justify">Cornerstone Bancshares, Inc., to be renamed SmartFinancial,
Inc.</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>5401 Kingston Pike, Suite 600</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Knoxville, TN 37919</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Attn: William Y. Carroll, Jr.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Telephone Number: (865) 868-0613<BR>
Fax Number: (865) 453-2204</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-indent: -2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>with a copy (which shall not constitute notice) to:</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Cornerstone Bancshares, Inc.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>835 Georgia Avenue</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Chattanooga, Tennessee 37402</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Attention: Nathaniel F. Hughes</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Facsimile: (423) 385-3137</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-indent: -2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>with a copy (which shall not constitute notice) to:</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Miller &amp; Martin PLLC</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>832 Georgia Avenue</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Suite 1200, Volunteer Building</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Chattanooga, Tennessee 37402</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Attention: Roddy Bailey</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Facsimile: (423) 321-1567</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-indent: -2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>with a copy (which shall not constitute notice) to:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Butler Snow LLP</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>150 3<SUP>rd</SUP> Avenue South</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Suite 1600</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Nashville, Tennessee 37201</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Attention: Adam G. Smith</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Facsimile: (615) 651-6701</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: left; text-indent: -2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in; text-align: left">If to Secured</TD><TD STYLE="text-align: justify">Party:&#9;Capstar Bank<BR>
201 Fourth Avenue, North Suite 950<BR>
Nashville, Tennessee 37219<BR>
Attn: Larry Brooks, Senior Risk Officer<BR>
Telephone Number:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(615)
732-7522<BR>
Fax Number:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(615)
732-7523</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 4in; text-align: left; text-indent: -2in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: left; text-indent: -2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or as to any party at such other address
as may be designated by it or them in a written notice to all other parties. All notices, requests, consents and demands hereunder
will be effective when personally delivered or on the third business day after being sent by United States Postal Service, first-class
postage prepaid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 18. <U>Governing
Law</U>. This Agreement shall be governed by, and shall be construed and enforced in accordance with, the internal laws of the
State of Tennessee (without giving effect to the conflict of law provided thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 19. <U>Severability
of Provisions</U>. Any provision of this Agreement which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction,
be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof or affecting
the validity or enforceability of such provision in any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 20. <U>Execution
in Counterparts</U>. This Agreement and any amendments, waivers, consents or supplements hereto may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of which when so executed and delivered shall be deemed
to be an original, but all such counterparts together shall constitute one and the same agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 21. <U>Loan
Documents; Definitions</U>. This Agreement, as the same may be amended or otherwise modified from time to time, is one of the Loan
Documents executed by Pledgor in favor of the Secured Party in connection with the Loan. Capitalized terms used but not defined
herein shall have the meaning set forth in the Loan Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 22. <U>Headings</U>.
The Section headings used in this Agreement are for convenience of reference only and shall not affect the construction of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 23. <U>Termination</U>.
When the Obligations have been indefeasibly and finally paid in full in cash and have been terminated this Agreement shall terminate.
Upon termination of this Agreement, the Secured Party shall release the pledge of the Pledged Shares, shall return the Stock Powers
to the Pledgor, and shall terminate an UCC financing statements related to the Pledged Shares, unless otherwise required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the Pledgor has caused this Stock Pledge and Security Agreement to be duly executed and delivered by its officer thereunto duly
authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">PLEDGOR:</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><B>CORNERSTONE BANCSHARES, INC.</B></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">a Tennessee corporation</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 44%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 50%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt"><I>/s/ W. Miller Welborn</I></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><I>&nbsp;</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Name:&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 9pt; text-align: left">&nbsp;<FONT STYLE="font-size: 10pt">W. Miller Welborn</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Its:</FONT></TD>
    <TD STYLE="padding-left: 9pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;Chairman</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt">/s/ <I>Nathaniel F. Hughes</I></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Name:&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="padding-left: 9pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;Nathaniel F. Hughes</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Its:</FONT></TD>
    <TD STYLE="padding-left: 9pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;President and Chief Executive Officer</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">SECURED PARTY: </FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><B>CAPSTAR BANK</B></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt">/s/ <I>Larry Brooks</I></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;Larry Brooks, Senior Credit Officer</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">Signature Page to Stock Pledge and Security Agreement</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-2.5
<SEQUENCE>5
<FILENAME>v419670_ex2-5.htm
<DESCRIPTION>EXHIBIT 2.5
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0; text-align: right">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Exhibit 2.5</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">STOCK PLEDGE AND SECURITY AGREEMENT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS STOCK PLEDGE AND
SECURITY AGREEMENT (the &ldquo;<U>Agreement</U>&rdquo;), dated as of September 1, 2015, by SMARTFINANCIAL, INC., a Tennessee corporation
(formerly known as CORNERSTONE BANCSHARES, INC., along with its successors and assigns, &ldquo;<U>Pledgor</U>&rdquo;) in favor
of CAPSTAR BANK (the &ldquo;<U>Secured Party</U>&rdquo;) in order to further secure the Obligations (as herein defined) and for
the consideration herein specified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>WITNESSETH</U>:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Pledgor
has previously requested a line of credit facility from the Secured Party in the original principal amount of up to Eight Million
Dollars ($8,000,000.00) (the &ldquo;<U>Loan</U>&rdquo;); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, the Pledgor
acknowledges that the Secured Party would not continue to make the Loan but for the pledge of the Pledged Shares (as herein defined)
to the Secured Party, as the pledgee hereunder, to secure the Loan and all other Obligations (as herein defined), including all
principal, interest, fees and other charges owed and to be owing thereon; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">WHEREAS, this Agreement
is given by the Pledgor in favor of the Secured Party to secure the payment and performance of all of the Obligations;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">NOW, THEREFORE, in
consideration of the foregoing and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
the parties hereto agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>AGREEMENT</U>:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 1. <U>Pledge</U>.
As security for the prompt payment, observance and performance when due (by acceleration or otherwise) of the Obligations, the
Pledgor hereby pledges and grants to the Secured Party, a continuing first priority security interest in all of the Pledgor&rsquo;s
right, title and interest in and to, whether now existing or hereafter acquired, the following property:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100%
of the common stock and Equity Interests of Smart Bank, a Tennessee chartered commercial bank headquartered at Pigeon Forge, Tennessee
(the &ldquo;<U>Bank</U>&rdquo;) registered on the stock transfer records of the Bank in the name of the Pledgor (the &ldquo;<U>Pledged
Shares</U>&rdquo;) (which to the extent permitted by law are, and shall remain at all times until this Agreement terminates, certificated
securities);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;all
additional shares of Equity Interests of the Bank from time to time issued or issuable to the Pledgor, in whole or in part, including
replacement securities, the securities of any successor in interest to the Bank, and any stock dividends (which to the extent permitted
by law are, and shall remain at all times until this Agreement terminates, certificated securities) (which shares shall be deemed
to be part of the Pledged Shares);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;all
dividends, cash, options, warrants, rights, instruments, distributions, returns of capital, income, profits and other property,
interests or proceeds from time to time received, receivable or otherwise distributed by the Bank (and any successor in interest
of the Bank) in respect of or in exchange for any or all of the Pledged Shares (collectively, &ldquo;<U>Distributions</U>&rdquo;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;all
Proceeds (as defined under the Uniform Commercial Code as in effect in Tennessee or under other relevant law) of any of the foregoing,
and in any event including, without limitation, any and all (1) amounts paid or payable to the Pledgor with respect to the Pledged
Shares; (2) payments (in any form whatsoever) made or due and payable to the Pledgor from time to time in connection with any requisition,
confiscation, condemnation, seizure or forfeiture of all or any part of the Pledged Shares by any governmental authority (or any
person acting on behalf of a governmental authority), (3) instruments representing obligations to pay amounts in respect of Pledged
Shares, (4) products of the Pledged Shares, and (5) other amounts from time to time paid or payable under or in connection with
any of the Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2. <U>Obligations</U>.
This Agreement secures, and the Pledged Shares are hereby pledged to the Secured Party as collateral security for, the prompt payment
and performance in full when due, whether at stated maturity, by acceleration or otherwise, of (a) the obligations of the Pledgor
under this Agreement (including, without limitation, the obligation of the Pledgor to repay any and all sums advanced by the Secured
Party, at its option, in respect of the Pledged Shares, and (b) the present and future obligations of the Pledgor to the Secured
Party, including, without limitation, the &ldquo;Obligations,&rdquo; as such term is defined in the Loan Agreement, defined below
(the &ldquo;<U>Obligations</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3. <U>Loan
and Loan Documents</U>. The consideration for this Agreement consists of the Secured Party&rsquo;s agreement to make the Loan and
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged by the Pledgor. At the date
hereof, the &ldquo;<U>Loan Documents</U>&rdquo; are this Agreement, that certain Loan Agreement dated as of August 28, 2015 between
Pledgor, as borrower, and Secured Party, as lender (as amended from time to time, the &ldquo;<U>Loan Agreement</U>&rdquo;), that
certain Line of Credit Note dated as of August 28, 2015 herewith from Pledgor, as borrower, to Secured Party, as payee. The &ldquo;Loan
Documents&rdquo; shall also be deemed to include all present and future documents and instruments relating to the Obligations executed
by Borrower, by Pledgor, by Bank, and/or by any other Person, together with all amendments, modifications, extensions, and/or other
changes thereto at any time and from time to time. Any violation of this Agreement shall constitute an Event of Default; and any
Default or Event of Default shall be a default hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4. <U>Delivery
of Pledged Shares</U>. All certificates evidencing the Pledged Shares shall be delivered to and held by the Secured Party pursuant
hereto. All Pledged Shares shall be in suitable form for transfer by delivery and shall be accompanied by duly executed instruments
of transfer or assignment in blank (with signatures appropriately guaranteed), all in form and substance satisfactory to the Secured
Party. The Secured Party shall have the right, at any time, and without notice to the Pledgor, to endorse, assign or otherwise
transfer to or to register in the name of the Secured Party or any of its nominees any or all of the Pledged Shares. In addition,
the Secured Party shall have the right at any time to exchange certificates representing or evidencing Pledged Shares for certificates
of smaller or larger denominations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5. <U>Supplements;
Further Assurances</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
any time and from time to time, at the expense of the Pledgor, the Pledgor shall promptly execute and deliver all further instruments
and documents, including supplemental or additional UCC-1 financing statements, and take all further action that may be necessary
or that the Secured Party may request, in order to perfect and protect any pledge or security interest granted or purported to
be granted hereby or to enable the Secured Party to exercise and enforce its rights and remedies hereunder with respect to any
Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor shall, upon obtaining any additional shares of the stock of the Bank, promptly (and in any event within five business days)
deliver to the Secured Party duly executed instruments of transfer or assignments in blank (with signatures appropriately guaranteed),
all in form and substance satisfactory to the Secured Party. In the absence of any such stock transfer document or documents, the
Pledgor hereby authorizes the Secured Party to execute such document or documents as it shall deem proper as attorney-in-fact for
the Pledgor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6. <U>Representations
and Warranties</U>. The Pledgor represents and warrants to the Secured Party, as an inducement to the Secured Party to make the
Loan and to enter into the Loan Documents, that:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor is, and at the time of any delivery of any Pledged Shares to the Secured Party pursuant to <U>Section 4</U> of this Agreement
will be, the legal and beneficial owner of the Pledged Shares. All Pledged Shares are on the date hereof and will be, subject to
<U>Section 8 </U>hereof, so owned by the Pledgor free and clear of any lien or other encumbrance except for the lien created by
this Agreement. The Pledged Shares pledged by the Pledgor hereunder constitute all the issued and outstanding Equity Interests
of all classes of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor is a Tennessee corporation in good standing in the State of Tennessee and has full power, authority and legal right to
pledge all the Pledged Shares pursuant to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
Pledgor&rsquo;s knowledge, no consent of any party (including, without limitation, any governmental agencies, boards, departments,
stockholders or creditors of the Pledgor) and no consent, authorization, approval, or other action by, and no notice to or filing
with, any governmental authority or other Person or entity is required either (1) for the pledge by the Pledgor of the Pledged
Shares pursuant to this Agreement or for the execution, delivery or performance of this Agreement by the Pledgor, (2) for the exercise
by the Secured Party of the voting or other rights provided for in this Agreement, or (3) for the exercise by the Secured Party
of the remedies in respect of the Pledged Shares pursuant to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
Pledgor&rsquo;s knowledge, all of the Pledged Shares have been, and to the extent hereafter issued will be upon such issuance,
duly authorized and validly issued and fully paid and nonassessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor&rsquo;s chief executive office address is, following the SmartFinancial Merger, the one specified in <U>Section 17</U>
of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor has delivered to the Secured Party all certificates representing the Pledged Shares and such delivery and pledge of the
Pledged Shares pursuant to this Agreement creates a valid and perfected first priority security interest or the comparable interest
under foreign law in the Pledged Shares securing the payment of the Obligations pursuant to the Uniform Commercial Code in effect
in the State of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement constitutes the legal, valid and binding obligation of the Pledgor, enforceable against the Pledgor in accordance with
its terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
information set forth herein relating to the Pledged Shares is accurate and complete in all respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
pledge of the Pledged Shares pursuant to this Agreement does not violate Regulation G, T, U or X or any other provision of any
applicable law or regulation or any order, judgment, writ, award or decree of any court, arbitrator or governmental authority applicable
to the Pledgor, to the Bank, or to the Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor at all times will be the beneficial owner of the Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7. <U>Voting
Rights, Distributions: Etc</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to any default or any vote that would be or result in a Default or Event of Default:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor shall be entitled to exercise any and all voting and other consensual rights pertaining to the Pledged Shares or any part
thereof for any purpose not inconsistent with the terms or purpose of this Agreement or any of the other Loan Documents; provided,
however, that the Pledgor shall not in any event exercise such rights in any manner which may have a material adverse effect on
the value of the Pledged Shares or the security intended to be provided by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the provisions of <U>Section 1</U> hereof and the terms of the Loan Agreement, the Pledgor shall be entitled to receive and
retain, and to utilize free and clear of the lien of this Agreement any and all cash Distributions; <U>provided</U>, <U>however</U>,
that any and all such Distributions consisting of rights or interests in the form of shares of stock shall be, and shall be forthwith
delivered to the Secured Party to hold as Pledged Shares and shall, if received by the Pledgor, be received in trust for the benefit
of the Secured Party, be segregated from the other property or funds of the Pledgor, and be forthwith delivered to the Secured
Party as Pledged Shares in the same form as so received (with any necessary endorsement and stock powers executed in blank).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Secured Party shall be deemed without further action or formality to have granted to the Pledgor all necessary consents relating
to voting rights and shall, if necessary, upon written request of the Pledgor and at the Pledgor&rsquo;s sole expense, from time
to time execute and deliver (or cause to be executed and delivered) to the Pledgor all such instruments as the Pledgor may reasonably
request in order to permit the Pledgor to exercise the voting and other rights which it is entitled to exercise pursuant to <U>Section
7(a)(1)</U> hereof and to receive the Distributions which it is authorized to receive and retain pursuant to <U>Section 7(a)(2)</U>
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
any Default or Event of Default, or if the vote(s) to be cast by Pledgor would violate the terms of the Loan Documents or otherwise
result in a default under this Agreement or Default or Event of Default under any of the other Loan Documents:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
rights of the Pledgor to exercise the voting and other consensual rights they would otherwise be entitled to exercise pursuant
to <U>Section 7(a)(1)</U> hereof without any action or the giving of any notice shall cease, and all such rights shall thereupon
become vested in the Secured Party, which shall thereupon have the sole right to exercise such voting and other consensual rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
rights of the Pledgor to receive cash Distributions which they would otherwise be authorized to receive and retain pursuant to
<U>Section 7(a)(2)</U> hereof shall cease and all such rights shall thereupon become vested in the Secured Party, which shall thereupon
have the sole right to receive such cash Distributions and to apply them to reduce the Obligations and the obligations of the Pledgor
under this Agreement in such order and manner as Secured Party shall determine.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor shall, at its own expense, from time to time execute and deliver to the Secured Party appropriate instruments as the Secured
Party may request in order to permit the Secured Party to exercise the voting and other rights which it may be entitled to exercise
pursuant to <U>Section 7(b)(2)</U> hereof and to receive all Distributions which it may be entitled to receive under <U>Section
7(b)(2)</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
Distributions which are received by the Pledgor contrary to the provisions of <U>Section 7(b)(2)</U> hereof shall be received in
trust for the benefit of the Secured Party, shall be segregated from other funds of the Pledgor and shall immediately be paid over
to the Secured Party as Pledged Shares in the same form as so received (with any necessary endorsement).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 8. <U>Transfers
and Other Liens; Principal Residence; Suretyship Defenses</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor shall not (1) sell, convey, assign or otherwise dispose of, or grant any option, right or warrant with respect to, any
of the Pledged Shares or (2) create, suffer or permit to exist any lien or other encumbrance upon or with respect to the Pledged
Shares other than the lien and security interest granted to the Secured Party under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
than as contemplated by the SmartFinancial Merger, the Pledgor shall not change the location or address of its chief executive
office without giving the Secured Party not less than 45 days prior written notice of such change.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
the signature below the Pledgor waives any claims or defenses based on suretyship defenses including, without limitation, release
or impairment of collateral, impairment of rights of subrogation or contribution, or any comparable right, claim or defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9. <U>Reasonable
Care</U>. The Secured Party shall be deemed to have exercised reasonable care in the custody and preservation of the Pledged Shares
in its possession if the Pledged Shares are accorded treatment substantially equivalent to that which the Secured Party, in its
individual capacity, accords its own property consisting of similar instruments or interests, it being understood that the Secured
Party shall not have responsibility for:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ascertaining
or taking action with respect to calls, conversions, exchanges, maturities, tenders or other matters relating to any Pledged Shares,
whether or not the Secured Party has or is deemed to have knowledge of such matters, or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;taking
any necessary steps to preserve rights against any person or entity with respect to any Pledged Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 10. <U>Remedies
upon Default; Decisions Relating to Exercise</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After
a Default or Event of Default, the Secured Party shall be entitled to exercise any of the rights, powers and remedies (whether
vested in it by this Agreement or by any other Loan Document or by law) for the protection and enforcement of the rights of the
Secured Party in respect of the Pledged Shares, and the Secured Party may, in addition to other rights and remedies provided for
herein or otherwise available to it to be exercised from time to time, do any one or more of the following acts, which the Pledgor
hereby agrees to be commercially reasonable: (1) retain and apply the Distributions to the Obligations as provided for in <U>Section
11</U> hereof, (2) transfer all or any part of the Pledged Shares into the Secured Party&rsquo;s name or the name of its nominee
or nominees, and (3) exercise all the rights and remedies of a secured party upon default under the Uniform Commercial Code in
effect in any applicable jurisdiction at that time, and the Secured Party may also in its sole discretion, without notice except
as specified below, sell the Pledged Shares or any part thereof (including, without limitation, any partial interest in the Pledged
Shares) in one or more parcels at public or private sale, at any exchange, broker&rsquo;s board or at any of the Secured Party&rsquo;s
offices or elsewhere, for cash, on credit or for future delivery, and at such price or prices and upon such other terms as the
Secured Party may deem commercially reasonable, irrespective of the impact of any such sales on the market price of the Pledged
Shares. The Secured Party or any of its affiliates may be the purchaser of any or all of the Pledged Shares at any such sale and
shall be entitled, for the purpose of bidding and making settlement or payment of the purchase price for all or any portion of
the Pledged Shares sold at such sale, to use and apply any of the Obligations owed to such person or entity as a credit on account
of the purchase price of any Pledged Shares payable by such person at such sale. Each purchaser at any such sale shall acquire
the property sold absolutely free from any claim or right on the part of the Pledgor, and the Pledgor hereby waives (to the full
extent permitted by law) all rights of redemption, stay and/or appraisal which it now has or may at any time in the future have
under any rule of law or statute now existing or hereafter enacted. The Pledgor acknowledges and agrees that, to the extent notice
of sale shall be required by law, the sending or personal delivery of written notice to the Pledgor ten (10) days in advance of
the time and place of any public sale or the time after which any private sale is to be made shall constitute reasonable notification
to the Pledgor. The Secured Party shall not be obligated to make any sale of Pledged Shares regardless of notice of sale having
been given. The Secured Party may adjourn any public or private sale from time to time by announcement at the time and place fixed
therefor, and such sale may, without further notice, be made at the time and place to which it was so adjourned. The Pledgor hereby
waives any claims against the Secured Party arising by reason of the fact that the price at which any Pledged Shares may have been
sold at such a private sale was less than the price which might have been obtained at a public sale.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Pledgor recognizes that, by reason of certain prohibitions contained in the Securities Act of 1933, as amended (the &ldquo;<U>Securities
Act</U>&rdquo;), and applicable state securities laws, the Secured Party may be compelled, with respect to any sale of all or any
part of the Pledged Shares, to limit purchasers to persons who will agree, among other things, to acquire the Pledged Shares for
their own account, for investment and not with a view to the distribution or resale thereof. The Pledgor acknowledges that any
such private sales may be at prices and on terms less favorable to the Secured Party than those obtainable through a public sale
without such restrictions (including, without limitation, a public offering made pursuant to a registration statement under the
Securities Act), and, notwithstanding such circumstances, agrees that any such private sale shall be deemed to have been made in
a commercially reasonable manner and that the Secured Party shall have no obligation to engage in public sales and no obligation
to delay the sale of any Pledged Shares for the period of time necessary to permit the issuer thereof to register it for a form
of public sale requiring registration under the Securities Act or under applicable state securities laws, even if such issuer would
agree to do so.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Secured Party determines to exercise its right to sell any or all of the Pledged Shares, upon written request, the Pledgor
shall from time to time furnish to the Secured Party all such information as the Secured Party may request in order to determine
the number of Pledged Shares which may be sold by the Secured Party as exempt transactions under the Securities Act and the rules
of the Securities and Exchange Commission thereunder, and/or any applicable state securities commission or agency, as the same
are from time to time in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition to any of the other rights and remedies hereunder, the Secured Party shall have the right to institute a proceeding seeking
specific performance in connection with any of the agreements or obligations hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 11. <U>Application
of Proceeds</U>. All Distributions held from time to time by the Secured Party and all cash proceeds received by the Secured Party
in respect of any sale of, collection from, or other realization upon all or any part of the Pledged Shares pursuant to the exercise
by the Secured Party of its remedies as a secured creditor as provided in <U>Section 10</U> hereof shall be applied from time to
time by the Secured Party to reduce the Obligations of the Pledgor to the Secured Party for principal, interest, fees or other
charges, whether as to direct debt or guaranteed obligations, or both, as the Secured Party shall deem proper.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 12. <U>Expenses</U>.
The Pledgor shall upon demand pay to the Secured Party the amount of any and all reasonable out of pocket expenses, including the
reasonable fees and expenses of its counsel and the reasonable fees and expenses of any experts and agents, which the Secured Party
may incur in connection with (a) the collection of the Obligations, (b) the administration of this Agreement, (c) the custody or
preservation of, or the sale of, collection from, or other realization upon, any of the Pledged Shares, (d) the exercise or enforcement
of any of the rights of the Secured Party hereunder or (e) the failure by the Pledgor to perform or observe any of the provisions
hereof. All amounts payable by the Pledgor under this Section 12 shall be due upon demand and shall be part of the Obligations.
The Pledgor&rsquo;s obligations under this Section shall survive the termination of this Agreement and the discharge of the Pledgor&rsquo;s
other obligations hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 13. <U>No Waiver;
Cumulative Remedies</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
failure on the part of the Secured Party to exercise, no course of dealing with respect to, and no delay on the part of the Secured
Party in exercising, any right, power or remedy hereunder shall operate as a waiver thereof, nor shall any single or partial exercise
of any such right, power or remedy hereunder preclude any other or further exercise thereof or the exercise of any other right,
power or remedy. The remedies herein provided are cumulative and are not exclusive of any remedies provided by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event the Secured Party shall have instituted any proceeding to enforce any right, power or remedy under this instrument by
foreclosure, sale, entry or otherwise, and such proceeding shall have been discontinued or abandoned for any reason or shall have
been determined adversely to the Secured Party, then and in every such case, the Pledgor and the Secured Party shall be restored
to their respective former positions and rights hereunder with respect to the Pledged Shares, and all rights, remedies and powers
of the Secured Party shall continue as if no such proceeding had been instituted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 14. <U>The
Secured Party May Perform; The Secured Party Appointed Attorney-in-Fact</U>. If the Pledgor shall fail to do any act or thing that
they have covenanted to do hereunder or any warranty on the part of the Pledgor contained herein shall be breached, the Secured
Party may (but shall not be obligated to) do the same or cause it to be done or remedy any such breach, and may expend funds for
such purpose. Any and all amounts so expended by the Secured Party shall be paid by the Pledgor promptly upon demand therefor,
with interest at the highest rate then in effect under any promissory note held by Secured Party during the period from and including
the date so expended to the date of repayment. The Pledgor&rsquo;s obligations under this <U>Section 14</U> shall survive the termination
of this Agreement and the discharge of the Pledgor&rsquo;s other obligations hereunder and under the Loan Documents. The Pledgor
hereby appoints the Secured Party as its attorney-in-fact (a power coupled with an interest<B>)</B>, with full authority in the
place and stead of the Pledgor and in the name of the Pledgor, or otherwise, from time to time in the Secured Party&rsquo;s discretion
to take any action and to execute any instrument consistent with the terms of this Agreement and the other Loan Documents which
the Secured Party may deem necessary or advisable to accomplish the purposes of this Agreement; <U>provided</U>, <U>however</U>,
that Secured Party's authority granted&nbsp;in this Section 14&nbsp;shall be exercisable only&nbsp;after the occurrence of a Default
or Event of Default. The foregoing grant of authority is a power of attorney coupled with an interest and such appointment shall
be irrevocable until this Agreement has been terminated as specified herein. The Pledgor hereby ratifies all that such attorney
shall lawfully do or cause to be done by virtue hereof other than anything that constitutes gross negligence or willful misconduct
by such attorney.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 15. <U>Amendments;
Etc</U>. This Agreement may not be amended or modified except by written agreement of the Pledgor and the Secured Party, and no
consent or waiver hereunder shall be valid unless in writing and signed by the person or persons giving such consent or waiver,
provided that any amendment or modification that releases all or a significant portion of the Pledged Shares hereunder shall require
only the written consent of the Secured Party.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 16. <U>Future
Advances, Etc</U>. This Agreement shall secure payment of any amounts advanced from time to time pursuant to and/or in connection
with the Obligations and shall secure all amounts now and hereafter owing with respect to the Obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 17. <U>Notices</U>.
All notices, requests and demands will be given to or made upon the respective parties hereto in writing (the term &ldquo;in writing&rdquo;
to include reference to communications by overnight or same-day delivery (charges prepaid) by a courier facsimile provided the
same are promptly confirmed by letter sent through the United States Postal Service, first-class postage prepaid) at their respective
addresses as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in; text-align: left">If to Pledgor</TD><TD STYLE="text-align: justify">SmartFinancial, Inc.</TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>5401 Kingston Pike, Suite 600</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Knoxville, TN 37919</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Attn: William Y. Carroll, Jr.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Telephone Number: (865) 868-0613<BR>
Fax Number: (865) 453-2204</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-indent: -2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>with a copy (which shall not constitute notice) to:</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Cornerstone Bancshares, Inc.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>835 Georgia Avenue</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Chattanooga, Tennessee 37402</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Attention: Nathaniel F. Hughes</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Facsimile: (423) 385-3137</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-indent: -2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>with a copy (which shall not constitute notice) to:</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Miller &amp; Martin PLLC</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>832 Georgia Avenue</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Suite 1200, Volunteer Building</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Chattanooga, Tennessee 37402</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Attention: Roddy Bailey</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Facsimile: (423) 321-1567</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-indent: -2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>with a copy (which shall not constitute notice) to:</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Butler Snow LLP</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>150 3<SUP>rd</SUP> Avenue South</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Suite 1600</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Nashville, Tennessee 37201</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Attention: Adam G. Smith</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in"></TD><TD>Facsimile: (615) 651-6701</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: left; text-indent: -2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0"></TD><TD STYLE="width: 2in; text-align: left">If to Secured</TD><TD STYLE="text-align: justify">Party:&#9;Capstar Bank<BR>
201 Fourth Avenue, North Suite 950<BR>
Nashville, Tennessee 37219<BR>
Attn: Larry Brooks, Senior Risk Officer<BR>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: left; text-indent: -2in">Telephone Number:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(615)
732-7522</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: left; text-indent: -2in">Fax Number:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(615)
732-7523</P>


</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: left; text-indent: -2in">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: left; text-indent: -2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or as to any party at such other address
as may be designated by it or them in a written notice to all other parties. All notices, requests, consents and demands hereunder
will be effective when personally delivered or on the third business day after being sent by United States Postal Service, first-class
postage prepaid.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 18. <U>Governing
Law</U>. This Agreement shall be governed by, and shall be construed and enforced in accordance with, the internal laws of the
State of Tennessee (without giving effect to the conflict of law provided thereof).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 19. <U>Severability
of Provisions</U>. Any provision of this Agreement which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction,
be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof or affecting
the validity or enforceability of such provision in any other jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 20. <U>Execution
in Counterparts</U>. This Agreement and any amendments, waivers, consents or supplements hereto may be executed in any number of
counterparts and by different parties hereto in separate counterparts, each of which when so executed and delivered shall be deemed
to be an original, but all such counterparts together shall constitute one and the same agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 21. <U>Loan
Documents; Definitions</U>. This Agreement, as the same may be amended or otherwise modified from time to time, is one of the Loan
Documents executed by Pledgor in favor of the Secured Party in connection with the Loan. Capitalized terms used but not defined
herein shall have the meaning set forth in the Loan Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 22. <U>Headings</U>.
The Section headings used in this Agreement are for convenience of reference only and shall not affect the construction of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 23. <U>Termination</U>.
When the Obligations have been indefeasibly and finally paid in full in cash and have been terminated this Agreement shall terminate.
Upon termination of this Agreement, the Secured Party shall release the pledge of the Pledged Shares, shall return the Stock Powers
to the Pledgor, and shall terminate an UCC financing statements related to the Pledged Shares, unless otherwise required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the Pledgor has caused this Stock Pledge and Security Agreement to be duly executed and delivered by its officer thereunto duly
authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">PLEDGOR:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><B>SMARTFINANCIAL, INC.</B>, a Tennessee
corporation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%; text-align: left"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 44%; border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt">/s/ <I>William Y. Carroll, Jr.</I></FONT></TD>
    <TD STYLE="width: 50%; text-align: justify"><FONT STYLE="font-size: 10pt"><I>&nbsp;</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Name:</FONT></TD>
    <TD STYLE="padding-left: 9pt; text-align: left">&nbsp;<FONT STYLE="font-size: 10pt">William Y. Carroll, Jr.</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">Its:</FONT></TD>
    <TD STYLE="padding-left: 9pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;President and Chief Executive Officer</FONT></TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">SECURED PARTY:</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-size: 10pt"><B>CAPSTAR BANK</B></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt">/<I>s/ Larry Brooks</I></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: left">&nbsp;<FONT STYLE="font-size: 10pt">Larry Brooks, Senior Credit Officer</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Signature Page to Stock Pledge and Security
Agreement</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="margin: 0"></P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>6
<FILENAME>v419670_ex3-1.htm
<DESCRIPTION>EXHIBIT 3.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 3.1</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">ARTICLES
OF AMENDMENT TO THE</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">AMENDED
AND RESTATED CHARTER</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">OF</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">CORNERSTONE
BANCSHARES, INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In accordance with
the provisions of Section 48-20-106 of the Tennessee Business Corporation Act, Cornerstone Bancshares, Inc., the undersigned corporation
does hereby adopt the following Articles of Amendment (these &quot;Articles of Amendment&quot;) to its Amended and Restated Charter,
as amended (the &quot;Charter&quot;):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
name of the corporation is: Cornerstone Bancshares, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Charter is amended by deleting the number &quot;20,000,000&quot; in the second sentence of Section 2 thereof and inserting, in
lieu thereof, the number &quot;40,000,000.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as amended by these Articles of Amendment, the Charter shall remain in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
foregoing amendment to the Charter was duly adopted by the board of directors of the corporation on April 9, 2015 and by the shareholders
on June 17, 2015.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
foregoing amendment to the Charter will be effective upon the filing of these Articles of Amendment with the Secretary of State
of the State of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page Follows]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the undersigned corporation has caused these Articles of Amendment to be signed by its duly authorized officer this 31st day of
August, 2015.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="2">CORNERSTONE BANCS ARES, INC.</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="2">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</td>
    <TD STYLE="width: 4%">By:</td>
    <TD STYLE="width: 46%; border-bottom: Black 1pt solid">/s/ Nathaniel F. Hughes</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>Name:</td>
    <TD STYLE="padding-left: 9pt">Nathaniel F. Hughes</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>Title:</td>
    <TD STYLE="padding-left: 9pt">President and Chief Executive Officer</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><I>[Signature Page
to Charter Amendment (Authorized Shares)]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



<P STYLE="margin: 0"></P>

</BODY>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.2
<SEQUENCE>7
<FILENAME>v419670_ex3-2.htm
<DESCRIPTION>EXHIBIT 3.2
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 3.2</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">ARTICLES
OF AMENDMENT TO THE</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">AMENDED
AND RESTATED CHARTER</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">OF</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">CORNERSTONE
BANCSHARES, INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In accordance with
the provisions of Section 48-20-106 of the Tennessee Business Corporation Act, Cornerstone Bancshares, Inc., the undersigned corporation,
does hereby adopt the following Articles of Amendment (these &ldquo;<U>Articles of Amendment</U>&rdquo;) to its Amended and Restated
Charter, as amended (the &ldquo;<U>Charter</U>&rdquo;):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
name of the corporation is: Cornerstone Bancshares, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Charter is amended by adding the following sentence to the end of the first paragraph of Section 2:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">Upon the Effective Time (as defined
below) of these Articles of Amendment, without regard to any other provision of the Charter, each four (4) shares of Common Stock
of the corporation issued and outstanding immediately prior to the Effective Time shall be and are hereby automatically reclassified
and changed (without any further act) into one (1) fully paid and non-assessable share of Common Stock (the &ldquo;<U>Reverse Stock
Split</U>&rdquo;). Each certificate that immediately prior to the Effective Time represented shares of Common Stock (&ldquo;<U>Old
Certificates</U>&rdquo;) shall thereafter represent that number of shares of Common Stock into which the shares of Common Stock
represented by the Old Certificate shall have been combined, subject to the elimination of any fractional share interests. The
corporation will not issue fractional shares. Rather, after aggregating and taking into account all shares of Common Stock represented
by Old Certificates, the number of shares of Common Stock issuable to each stockholder will be rounded up to the nearest whole
number if, as a result of the Reverse Stock Split, the number of shares issuable to any stockholder would not be a whole number
(i.e., both 9.1 and 9.9 would round to 10.0).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as amended by these Articles of Amendment, the Charter shall remain in full force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
foregoing amendment to the Charter was duly adopted by the board of directors of the corporation on April 9, 2015 and by the shareholders
on June 17, 2015.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;These
Articles of Amendment will be effective upon the filing of these Articles of Amendment with the Secretary of State of the State
of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page Follows]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the undersigned corporation has caused these Articles of Amendment to be signed by its duly authorized officer this 31st day of
August, 2015.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="2">CORNERSTONE BANCSHARES, INC.</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="2">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</td>
    <TD STYLE="width: 4%">By:</td>
    <TD STYLE="width: 46%; border-bottom: Black 1pt solid">/s/ Nathaniel F. Hughes</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>Name:</td>
    <TD STYLE="text-indent: 0.125in">Nathaniel F. Hughes</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>Title:</td>
    <TD STYLE="text-indent: 0.125in">President and Chief Executive Officer</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><I>[Signature Page to Charter Amendment (Reverse Stock Split)]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>



<P STYLE="margin: 0"></P>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.3
<SEQUENCE>8
<FILENAME>v419670_ex3-3.htm
<DESCRIPTION>EXHIBIT 3.3
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right; text-indent: 0.5in"><B>Exhibit 3.3</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-transform: uppercase; text-align: center">SECOND
AMENDED AND RESTATED CHARTER</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-transform: uppercase; text-align: center">OF</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-transform: uppercase; text-align: center">CORNERSTONE
BANCSHARES, INC.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-transform: uppercase; text-align: center">(TO
BE RENAMED HEREIN)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In accordance with
the provisions of Sections 48-20-106 and 48-20-107 of the Tennessee Business Corporation Act, Tenn. Code Ann. &sect; 48-11-101
<I>et seq.</I> (as from time to time amended, the &ldquo;<U>Corporation Act</U>&rdquo;), Cornerstone Bancshares, Inc., the undersigned
corporation, does hereby amend and restate its charter, in its entirety, effective as 11:59 p.m., Eastern Daylight Time, on the
31st day of August, 2015, as follows:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Name</U>.
The name of the corporation is SmartFinancial, Inc.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Profit</U>.
The corporation is for profit.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Shares</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
corporation is authorized to issue two classes of shares to be designated, respectively, Common Stock and Preferred Stock. The
total number of shares of Common Stock the corporation shall have the authority to issue is 40,000,000 shares, one dollar ($1.00)
par value per share. The Common Stock shall have unlimited voting rights and shall be entitled to receive the net assets of the
corporation upon dissolution. The total number of shares of Preferred Stock the corporation shall have the authority to issue is
2,000,000 shares, one dollar ($1.00) par value per share, in any number of series and having such preferences, limitations and
relative rights as may be determined from time to time by the board of directors of the corporation, as permitted under Tenn. Code
Ann. &sect; 48-16-102.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Non-Cumulative
Perpetual Preferred Stock, Series B</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Designation
and Number of Shares</U>. There is hereby created out of the authorized and unissued shares of Preferred Stock of the corporation
a series of Preferred Stock designated as the &ldquo;Non-Cumulative Perpetual Preferred Stock, Series B&rdquo; (the &ldquo;<U>Designated
Preferred Stock</U>&rdquo;). The authorized number of shares of Designated Preferred Stock shall be 12,000.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Standard
Provisions</U>. The Standard Provisions contained in Exhibit A attached hereto are incorporated herein by reference in their entirety
and shall be deemed to be a part of this Section 3(b) to the same extent as if such provisions had been set forth in full herein.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Definitions</U>.
The following terms are used in this Section 3(b) (including the Standard Provisions in <U>Exhibit A</U> hereto) as defined below:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Common
Stock</U>&rdquo; means the common stock, par value $1.00 per share, of the corporation.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Definitive
Agreement</U>&rdquo; means that certain Securities Purchase Agreement by and between SmartFinancial, Inc. and Treasury, dated as
of the Signing Date and assigned to and assumed by the corporation on August 31, 2015.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Issuer</U>&rdquo;
means SmartFinancial, Inc., a Tennessee corporation (f/k/a Cornerstone Bancshares, Inc.).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Junior
Stock</U>&rdquo; means the Common Stock and any other class or series of stock of the corporation the terms of which expressly
provide that it ranks junior to Designated Preferred Stock as to dividend and redemption rights and/or as to rights on liquidation,
dissolution or winding up of the corporation.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Liquidation
Amount</U>&rdquo; means $1,000 per share of Designated Preferred Stock.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Minimum
Amount</U>&rdquo; means (i) the amount equal to twenty-five percent (25%) of the aggregate Liquidation Amount of Designated Preferred
Stock issued on the Original Issue Date or (ii) all of the outstanding Designated Preferred Stock, if the aggregate liquidation
preference of the outstanding Designated Preferred Stock is less than the amount set forth in the preceding clause (i).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Parity
Stock</U>&rdquo; means any class or series of stock of the corporation (other than Designated Preferred Stock) the terms of which
do not expressly provide that such class or series will rank senior or junior to Designated Preferred Stock as to dividend rights
and/or as to rights on liquidation, dissolution or winding up of the corporation (in each case without regard to whether dividends
accrue cumulatively or non-cumulatively).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Signing
Date</U>&rdquo; means August 4, 2011.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(9)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Treasury</U>&rdquo;
means the United States Department of the Treasury and any successor in interest thereto.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Certain
Voting Matters</U>. Holders of shares of Designated Preferred Stock will be entitled to one vote for each such share on any matter
on which holders of Designated Preferred Stock are entitled to vote, including any action by written consent.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Registered
Office; Registered Agent</U>. The street address of the corporation's registered office is 5401 Kingston Pike, Suite 600, Knoxville,
Knox County, Tennessee 37919, and the name of its registered agent at such address is William Y. Carroll, Jr.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Principal
Office</U>. The corporation's principal office address is 5401 Kingston Pike, Suite 600, Knoxville, Tennessee 37919.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Board
of Directors</U>. The business and affairs of the corporation shall be managed by a board of directors comprised of not less than
five (5) nor more than twenty-five (25) persons, with the number of directors to be fixed from time to time in accordance with
the corporation's bylaws.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Amendment
of Bylaws</U>. The bylaws of the corporation may be amended by the shareholders of the corporation only by the affirmative vote
of a majority of all votes entitled to be cast on the amendment, unless a greater vote is required by the Corporation Act. The
bylaws of the corporation may be amended by the board of directors of the corporation to the fullest extent permitted by the Corporation
Act; <I>provided, however</I>, that any amendment of the bylaws by the board of directors must be approved by the affirmative vote
of a majority of the members of the board of directors, unless a greater vote is required by the Corporation Act.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Director's
Liability</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>A
director of the corporation shall not be personally liable to the corporation or its shareholders for monetary damages for breach
of fiduciary duty as a director; <I>provided, however</I>, that the foregoing shall not eliminate or limit the liability of a director
(a) for any breach of the director's duty of loyalty to the corporation or its shareholders; (b) for acts or omissions not in good
faith or which involve intentional misconduct or a knowing violation of law; or (c) under Tenn. Code Ann. &sect; 48-18-302 with
respect to unlawful distributions. If the Corporation Act is hereafter amended to authorize the further elimination or limitation
of the liability of directors, then the liability of a director of the corporation, in addition to the limitation on personal liability
provided herein, shall be limited to the fullest extent permitted by the Corporation Act as amended. Any amendment to this Section
8 by the shareholders of the corporation shall be prospective only and shall not adversely affect the limitation of the personal
liability of any director of the corporation with respect to actions or omissions occurring prior to the effective date of such
amendment.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Unless
two-thirds of the members of the corporation's board of directors shall approve the amendment (in which case this Section 8 may
be amended by the shareholders of the corporation by the affirmative vote of a majority of all votes entitled to be cast on the
amendment), this <U>Section 8</U> may not be amended by the shareholders of the corporation without the affirmative vote of at
least two-thirds of all votes entitled to be cast on the amendment.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Indemnification
and Insurance</U>. The corporation shall indemnify and advance expenses to its directors and officers, and may indemnify and advance
expenses to all other persons it has the power to indemnify and advance expenses to under the Corporation Act, and may purchase
and maintain insurance or furnish similar protection on behalf of its directors, officers, and employees, in each case to the fullest
extent authorized by the Corporation Act and applicable federal laws and regulations, including, but not limited to, applicable
federal regulations regarding indemnification payments by a depository institution holding company, as the same may be amended
from time to time.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Savings
Clause</U>. Should any provision of this Second Amended and Restated Charter be held to be invalid, illegal, or unenforceable,
in whole or in part, the remaining provisions of this Second Amended and Restated Charter shall remain valid and enforceable to
the fullest extent permitted by law.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Removal
of Directors</U>. The shareholders of the corporation shall not have the right to remove any or all of the directors except for
cause and upon the affirmative vote of the holders of a majority of the outstanding shares of the corporation entitled to vote
generally in the election of directors.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Special
Meetings</U>. No action shall be taken by the shareholders of the corporation except at an annual or special meeting of shareholders
of the corporation or by unanimous written consent, and the right of shareholders to act by less than unanimous written consent
in lieu of a meeting is specifically denied. Unless otherwise prescribed by law, special meetings of shareholders, for any purpose
or purposes, may be called only by (i) the chairman of the board of directors of the corporation, (ii) the vice-chairman of the
board of directors of the corporation, (iii) the president or chief executive officer of the corporation, (iv) a majority of the
members of the board of directors of the corporation, or (v) the holders of 20% or more of the outstanding shares of voting stock
of the corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><I>[Signature Page Follows]</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Dated this 31st day
of August, 2015.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-indent: 0in">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">CORNERSTONE BANCSHARES, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-indent: 0in">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: left; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 47%; text-align: left; text-indent: 0in; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><I>/s/ Nathaniel F. Hughes</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-indent: 0in">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Name: Nathaniel F. Hughes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-indent: 0in">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">Title: President and Chief Executive Officer</FONT></TD></TR>
</TABLE>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Exhibit A</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>STANDARD PROVISIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General
Matters</U>. Each share of Designated Preferred Stock shall be identical in all respects to every other share of Designated Preferred
Stock. The Designated Preferred Stock shall be perpetual, subject to the provisions of Section 5 of these Standard Provisions that
form a part of the Certificate of Designation. The Designated Preferred Stock shall rank equally with Parity Stock and shall rank
senior to Junior Stock with respect to the payment of dividends and the distribution of assets in the event of any dissolution,
liquidation or winding up of the Issuer, as set forth below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Standard
Definitions</U>. As used herein with respect to Designated Preferred Stock:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Acquiror</U>,&rdquo;
in any Holding Company Transaction, means the surviving or resulting entity or its ultimate parent in the case of a merger or consolidation
or the transferee in the case of a sale, lease or other transfer in one transaction or a series of related transactions of all
or substantially all of the consolidated assets of the Issuer and its subsidiaries, taken as a whole.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Affiliate</U>&rdquo;
means, with respect to any person, any person directly or indirectly controlling, controlled by or under common control with such
other person. For purposes of this definition, &ldquo;<U>control</U>&rdquo; (including, with correlative meanings, the terms &ldquo;<U>controlled
by</U>&rdquo; and &ldquo;<U>under common control with</U>&rdquo;) when used with respect to any person, means the possession, directly
or indirectly through one or more intermediaries, of the power to cause the direction of management and/or policies of such person,
whether through the ownership of voting securities, by contract or otherwise.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Applicable
Dividend Rate</U>&rdquo; has the meaning set forth in Section 3(a).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>&ldquo;Appropriate
Federal Banking Agency</U>&rdquo; means the &ldquo;appropriate Federal banking agency&rdquo; with respect to the Issuer as defined
in Section 3(q) of the Federal Deposit Insurance Act (12 U.S.C. Section &sect; 1813(q)), or any successor provision.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Bank
Holding Company</U>&rdquo; means a company registered as such with the Board of Governors of the Federal Reserve System pursuant
to 12 U.S.C. &sect; 1842 and the regulations of the Board of Governors of the Federal Reserve System thereunder.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Baseline</U>&rdquo;
means the &ldquo;Initial Small Business Lending Baseline&rdquo; set forth on the Initial Supplemental Report (as defined in the
Definitive Agreement), subject to adjustment pursuant to Section 3(a).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Business
Combination</U>&rdquo; means a merger, consolidation, statutory share exchange or similar transaction that requires the approval
of the Issuer's shareholders.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Business
Day</U>&rdquo; means any day except Saturday, Sunday and any day on which banking institutions in the State of New York or the
District of Columbia generally are authorized or required by law or other governmental actions to close.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Bylaws</U>&rdquo;
means the bylaws of the Issuer, as they may be amended from time to time.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Call
Report</U>&rdquo; has the meaning set forth in the Definitive Agreement. A-1</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Certificate
of Designation</U>&rdquo; means the Certificate of Designation or comparable instrument relating to the Designated Preferred Stock,
of which these Standard Provisions form a part, as it may be amended from time to time.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Charge-Offs</U>&rdquo;
means the net amount of loans charged off by the Issuer or, if the Issuer is a Bank Holding Company or a Savings and Loan Holding
Company, by the IDI Subsidiary(ies) during quarters that begin on or after the Signing Date, determined as follows:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
the Issuer or the applicable IDI Subsidiary is a bank, by subtracting (A) the aggregate dollar amount of recoveries reflected on
line RIAD4605 of its Call Reports for such quarters from (B) the aggregate dollar amount of charge-offs reflected on line RIAD4635
of its Call Reports for such quarters (without duplication as a result of such dollar amounts being reported on a year-to-date
basis); or</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
the Issuer or the applicable IDI Subsidiary is a thrift, by subtracting (A) the sum of the aggregate dollar amount of recoveries
reflected on line VA140 of its Call Reports for such quarters and the aggregate dollar amount of adjustments reflected on line
VA150 of its Call Reports for such quarters from (B) the aggregate dollar amount of charge-offs reflected on line VA160 of its
Call Reports for such quarters.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Charter</U>&rdquo;
means the Issuer's certificate or articles of incorporation, articles of association, or similar organizational document.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>CPP
Lending Incentive Fee</U>&rdquo; has the meaning set forth in Section 3(e).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Current
Period</U>&rdquo; has the meaning set forth in Section 3(a)(i)(2).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Dividend
Payment Date</U>&rdquo; means January 1, April 1, July 1, and October 1 of each year.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Dividend
Period</U>&rdquo; means the period from and including any Dividend Payment Date to, but excluding, the next Dividend Payment Date;
provided, however, the initial Dividend Period shall be the period from and including the Original Issue Date to, but excluding,
the next Dividend Payment Date (the &ldquo;Initial Dividend Period&rdquo;).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Dividend
Record Date</U>&rdquo; has the meaning set forth in Section 3(b).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Dividend
Reference Period</U>&rdquo; has the meaning set forth in Section 3(a)(i)(2).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>GAAP</U>&rdquo;
means generally accepted accounting principles in the United States.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Holding
Company Preferred Stock</U>&rdquo; has the meaning set forth in Section 7(d)(v).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Holding
Company Transaction</U>&rdquo; means the occurrence of (a) any transaction (including, without limitation, any acquisition, merger
or consolidation) the result of which is that a &ldquo;person&rdquo; or &ldquo;group&rdquo; within the meaning of Section 13(d)
of the Securities Exchange Act of 1934, as amended, (i) becomes the direct or indirect ultimate &ldquo;beneficial owner,&rdquo;
as defined in Rule 13d-3 under that Act, of common equity of the Issuer representing more than 50% of the voting power of the outstanding
Common Stock or (ii) is otherwise required to consolidate the Issuer for purposes of generally accepted accounting principles in
the United States, or (b) any consolidation or merger of the Issuer or similar transaction or any sale, lease or other transfer
in one transaction or a series of related transactions of all or substantially all of the consolidated assets of the Issuer and
its subsidiaries, taken as a whole, to any Person other than one of the Issuer's subsidiaries; <I>provided</I> that, in the case
of either clause (a) or (b), the Issuer or the Acquiror is or becomes a Bank Holding Company or Savings and Loan Holding Company.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>IDI
Subsidiary</U>&rdquo; means any Issuer Subsidiary that is an insured depository institution.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Increase
in QSBL</U>&rdquo; means:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>With
respect to the first (1st) Dividend Period, the difference obtained by subtracting (A) the Baseline from (B) QSBL set forth in
the Initial Supplemental Report (as defined in the Definitive Agreement); and</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>With
respect to each subsequent Dividend Period, the difference obtained by subtracting (A) the Baseline from (B) QSBL for the Dividend
Reference Period for the Current Period.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Initial
Dividend Period</U>&rdquo; has the meaning set forth in the definition of &ldquo;Dividend Period.&rdquo;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Issuer
Subsidiary</U>&rdquo; means any subsidiary of the Issuer.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(aa)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Liquidation
Preference</U>&rdquo; has the meaning set forth in Section 4(a).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(bb)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>
&ldquo;<U>Non-Qualifying Portion Percentage</U>&rdquo; means, with respect to any particular Dividend Period, the percentage obtained
by subtracting the Qualifying Portion Percentage from one (1).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(cc)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Original
Issue Date</U>&rdquo; means August 4, 2011.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(dd)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Percentage
Change in QSBL</U>&rdquo; has the meaning set forth in Section 3(a)(ii).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ee)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Person</U>&rdquo;
means a legal person, including any individual, corporation, estate, partnership, joint venture, association, joint-stock company,
limited liability company or trust.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ff)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Preferred
Director</U>&rdquo; has the meaning set forth in Section 7(c).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(gg)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Preferred
Stock</U>&rdquo; means any and all series of preferred stock of the Issuer, including the Designated Preferred Stock.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(hh)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Previously
Acquired Preferred Shares</U>&rdquo; has the meaning set forth in the Definitive Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Private
Capital</U>&rdquo; means, if the Issuer is Matching Private Investment Supported (as defined in the Definitive Agreement), the
equity capital received by the Issuer or the applicable Affiliate of the Issuer from one or more non-governmental investors in
accordance with Section 1.3(1) of the Definitive Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(jj)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Publicly-Traded</U>&rdquo;
means a company that (i) has a class of securities that is traded on a national securities exchange and (ii) is required to file
periodic reports with either the Securities and Exchange Commission or its primary federal bank regulator.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(kk)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Qualified
Small Business Lending</U>&rdquo; or &ldquo;QSBL&rdquo; means, with respect to any particular Dividend Period, the &ldquo;Quarter-End
Adjusted Qualified Small Business Lending&rdquo; for such Dividend Period set forth in the applicable Supplemental Report.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ll)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Qualifying
Portion Percentage</U>&rdquo; means, with respect to any particular Dividend Period, the percentage obtained by dividing (i) the
Increase in QSBL for such Dividend Period by (ii) the aggregate Liquidation Amount of then-outstanding Designated Preferred Stock.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(mm)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Savings
and Loan Holding Company</U>&rdquo; means a company registered as such with the Office of Thrift Supervision pursuant to 12 U.S.C.
&sect; 1467a(b) and the regulations of the Office of Thrift Supervision promulgated thereunder.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(nn)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Share
Dilution Amount</U>&rdquo; means the increase in the number of diluted shares outstanding (determined in accordance with GAAP applied
on a consistent basis, and as measured from the date of the Issuer's most recent consolidated financial statements prior to the
Signing Date) resulting from the grant, vesting or exercise of equity-based compensation to employees and equitably adjusted for
any stock split, stock dividend, reverse stock split, reclassification or similar transaction.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(oo)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Signing
Date Tier 1 Capital Amount</U>&rdquo; means $31,872,000.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(pp)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Standard
Provisions</U>&rdquo; means these Standard Provisions that form a part of the Certificate of Designation relating to the Designated
Preferred Stock.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(qq)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Supplemental
Report</U>&rdquo; means a Supplemental Report delivered by the Issuer to Treasury pursuant to the Definitive Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(rr)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Tier
1 Dividend Threshold</U>&rdquo; means, as of any particular date, the result of the following formula:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">( (A + B &ndash; C) *
0.9) &ndash; D</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">where:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 88%; border-collapse: collapse; margin-left: 1in">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">A</FONT></TD>
    <TD STYLE="width: 8%; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">=</FONT></TD>
    <TD STYLE="width: 82%; text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">Signing Date Tier 1 Capital Amount;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">B</FONT></TD>
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">=</FONT></TD>
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">the aggregate Liquidation Amount of the Designated Preferred Stock issued to Treasury;</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">C</FONT></TD>
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">=</FONT></TD>
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">the aggregate amount of Charge-Offs since the Signing Date; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">D</FONT></TD>
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">=</FONT></TD>
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">(i) beginning on the first day of the eleventh (11th) Dividend Period, the amount equal to ten percent (10%) of the aggregate Liquidation Amount of the Designated Preferred Stock issued to Treasury as of the Effective Date (without regard to any redemptions of Designated Preferred Stock that may have occurred thereafter) for every one percent (1%) of positive Percentage Change in QSBL between the ninth (9th) Dividend Period and the Baseline; and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: justify; text-indent: 0in"><FONT STYLE="font-size: 10pt">(ii) zero (0) at all other times.</FONT></TD></TR>
</TABLE>
<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ss)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Voting
Parity Stock</U>&rdquo; means, with regard to any matter as to which the holders of Designated Preferred Stock are entitled to
vote as specified in Section 7(d) of these Standard Provisions that form a part of the Certificate of Designation, any and all
series of Parity Stock upon which like voting rights have been conferred and are exercisable with respect to such matter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Rate</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
&ldquo;<U>Applicable Dividend Rate</U>&rdquo; shall be determined as follows:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>With
respect to the Initial Dividend Period, the Applicable Dividend Rate shall be one percent (1.0%).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>With
respect to each of the second (2nd) through the tenth (10th) Dividend Periods, inclusive (in each case, the &ldquo;<U>Current Period</U>&rdquo;),
the Applicable Dividend Rate shall be:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: 1in">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)
the applicable rate set forth in column &ldquo;A&rdquo; of the table in Section 3(a)(iii), based on the Percentage Change in QSBL
between the Dividend Period that was two Dividend Periods prior to the Current Period (the &ldquo;<U>Dividend Reference Period</U>&rdquo;)
and the Baseline, multiplied by (y) the Qualifying Portion Percentage; plus</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: 1in">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)
five percent (5%) multiplied by (y) the Non-Qualifying Portion Percentage.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">In each such
case, the Applicable Dividend Rate shall be determined at the time the Issuer delivers a complete and accurate Supplemental Report
to Treasury with respect to the Dividend Reference Period.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>With
respect to the eleventh (11th) through the eighteenth (18th) Dividend Periods, inclusive, and that portion of the nineteenth (19th)
Dividend Period prior to, but not including, the four and one half (4Y2) year anniversary of the Original Issue Date, the Applicable
Dividend Rate shall be:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: 1in">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)
the applicable rate set forth in column &ldquo;B&rdquo; of the table in Section 3(a)(iii), based on the Percentage Change in QSBL
between the ninth (9th) Dividend Period and the Baseline, multiplied by (y) the Qualifying Portion Percentage, calculated as of
the last day of the ninth (9th) Dividend Period; plus</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: 1in">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(x)
five percent (5%) multiplied by (y) the Non-Qualifying Portion Percentage, calculated as of the last day of the ninth (9th) Dividend
Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">In such case,
the Applicable Dividend Rate shall be determined at the time the Issuer delivers a complete and accurate Supplemental Report to
Treasury with respect to the ninth (9th) Dividend Period.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in">&nbsp;</P>


<!-- Field: Page; Sequence: 9; Value: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin-top: 0pt; text-align: center; margin-bottom: 0pt">&nbsp;A-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence --></P></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>With
respect to (A) that portion of the nineteenth (19th) Dividend Period beginning on the four and one half (41/2) year anniversary
of the Original Issue Date and (B) all Dividend Periods thereafter, the Applicable Dividend Rate shall be nine percent (9%).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Notwithstanding
anything herein to the contrary, if the Issuer fails to submit a Supplemental Report that is due during any of the second (2nd)
through tenth (10th) Dividend Periods on or before the sixtieth (60th) day of such Dividend Period, the Issuer's QSBL for the Dividend
Period that would have been covered by such Supplemental Report shall be zero (0) for purposes hereof.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Notwithstanding
anything herein to the contrary, but subject to Section 3(a)(i)(5) above, if the Issuer fails to submit the Supplemental Report
that is due during the tenth (10th) Dividend Period, the Issuer's QSBL shall be zero (0) for purposes of calculating the Applicable
Dividend Rate pursuant to Section 3(a)(i)(3) and (4). The Applicable Dividend Rate shall be re-determined effective as of the first
day of the calendar quarter following the date such failure is remedied, provided it is remedied prior to the four and one half
(4'/2) year anniversary of the Original Issue Date.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Notwithstanding
anything herein to the contrary, if the Issuer fails to submit any of the certificates required by Sections 3.1(d)(ii) or 3.1(d)(iii)
of the Definitive Agreement when and as required thereby, the Issuer's QSBL shall be zero (0) for purposes of calculating the Applicable
Dividend Rate pursuant to Section 3(a)(i)(2) or (3) above until such failure is remedied.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
&ldquo;<U>Percentage Change in QSBL</U>&rdquo; between any given Dividend Period and the Baseline shall be the result of the following
formula, expressed as a percentage:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2in; text-align: left; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 28%; text-align: left; text-indent: 0in; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: left; text-indent: 0in; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">(</FONT></TD>
    <TD STYLE="width: 35%; text-decoration: underline; text-align: left; text-indent: 0in; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt"><U STYLE="text-decoration: none">QSBL for the Dividend Period &ndash; Baseline</U></FONT></TD>
    <TD STYLE="width: 35%; text-align: left; text-indent: 0in; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">) x 100</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">(</FONT></TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">Baseline</FONT></TD>
    <TD STYLE="text-align: left; text-indent: 0in"><FONT STYLE="font-size: 10pt">)</FONT></TD></TR>
</TABLE>
<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
following table shall be used for determining the Applicable Dividend Rate:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 92%; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: left; padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="font-style: italic; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-style: italic; text-align: justify; border-bottom: Black 1pt solid">The Applicable Dividend Rate shall be:</TD><TD NOWRAP STYLE="font-style: italic; padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="font-style: italic; text-align: justify; border-bottom: Black 1pt solid">If the Percentage Change in QSBL is:</TD><TD NOWRAP STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="text-align: center; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><B>Column &ldquo;A&rdquo; </B><BR> <I>(each of the 2nd &mdash; 10<SUP>th</SUP> </I></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><I>Dividend Periods)</I></P></TD><TD NOWRAP STYLE="padding-bottom: 1pt">&nbsp;</TD><TD NOWRAP STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="text-align: center; border-bottom: Black 1pt solid"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><B>Column &ldquo;B&rdquo; </B><BR> <I>(11th &mdash; 18th and the first </I><BR> <I>part of the 19th Dividend </I></P> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><I>Periods)</I></P></TD><TD NOWRAP STYLE="padding-bottom: 1pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 64%; text-align: justify; text-indent: 0in">0% or less</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 14%; text-align: right">5</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 14%; text-align: right">7</TD><TD STYLE="width: 1%; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; text-indent: 0in">More than 0%, but less than 2.5%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; text-indent: 0in">2.5% or more, but less than 5%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; text-indent: 0in">5% or more, but less than 7.5%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; text-indent: 0in">7.5% or more, but less than 10%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; text-indent: 0in">10% or more</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
the Issuer consummates a Business Combination, a purchase of loans or a purchase of participations in loans and the Designated
Preferred Stock remains outstanding thereafter, then the Baseline shall thereafter be the &ldquo;Quarter-End Adjusted Small Business
Lending Baseline&rdquo; set forth on the Quarterly Supplemental Report (as defined in the Definitive Agreement).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Payment</U>.
Holders of Designated Preferred Stock shall be entitled to receive, on each share of Designated Preferred Stock if, as and when
declared by the board of directors of the Issuer or any duly authorized committee of the board of directors, but only out of assets
legally available therefor, non-cumulative cash dividends with respect to:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Each
Dividend Period (other than the Initial Dividend Period) at a rate equal to one-fourth (1/4) of the Applicable Dividend Rate with
respect to each Dividend Period on the Liquidation Amount per share of Designated Preferred Stock, and no more, payable quarterly
in arrears on each Dividend Payment Date; and</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>the
Initial Dividend Period, on the first such Dividend Payment Date to occur at least twenty (20) calendar days after the Original
Issue Date, an amount equal to (A) the Applicable Dividend Rate with respect to the Initial Dividend Period multiplied by (B) the
number of days from the Original Issue Date to the last day of the Initial Dividend Period (inclusive) divided by 360.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">In the event that any
Dividend Payment Date would otherwise fall on a day that is not a Business Day, the dividend payment due on that date will be postponed
to the next day that is a Business Day and no additional dividends will accrue as a result of that postponement. For avoidance
of doubt, &ldquo;payable quarterly in arrears&rdquo; means that, with respect to any particular Dividend Period, dividends begin
accruing on the first day of such Dividend Period and are payable on the first day of the next Dividend Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">The amount of dividends
payable on Designated Preferred Stock on any date prior to the end of a Dividend Period, and for the Initial Dividend Period, shall
be computed on the basis of a 360-day year consisting of four 90-day quarters, and actual days elapsed over a 90-day quarter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Dividends that are payable
on Designated Preferred Stock on any Dividend Payment Date will be payable to holders of record of Designated Preferred Stock as
they appear on the stock register of the Issuer on the applicable record date, which shall be the 15th calendar day immediately
preceding such Dividend Payment Date or such other record date fixed by the board of directors of the Issuer or any duly authorized
committee of the board of directors that is not more than 60 nor less than 10 days prior to such Dividend Payment Date (each, a
&ldquo;<U>Dividend Record Date</U>&rdquo;). Any such day that is a Dividend Record Date shall be a Dividend Record Date whether
or not such day is a Business Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Holders of Designated
Preferred Stock shall not be entitled to any dividends, whether payable in cash, securities or other property, other than dividends
(if any) declared and payable on Designated Preferred Stock as specified in this Section 3 (subject to the other provisions of
the Certificate of Designation).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Non-Cumulative</U>.
Dividends on shares of Designated Preferred Stock shall be non-cumulative. If the board of directors of the Issuer or any duly
authorized committee of the board of directors does not declare a dividend on the Designated Preferred Stock in respect of any
Dividend Period:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
holders of Designated Preferred Stock shall have no right to receive any dividend for such Dividend Period, and the Issuer shall
have no obligation to pay a dividend for such Dividend Period, whether or not dividends are declared for any subsequent Dividend
Period with respect to the Designated Preferred Stock; and</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
Issuer shall, within five (5) calendar days, deliver to the holders of the Designated Preferred Stock a written notice executed
by the Chief Executive Officer and the Chief Financial Officer of the Issuer stating the board of directors' rationale for not
declaring dividends.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Pr<U>iority
of Dividends; Restrictions on Dividends</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Subject
to Sections 3(d)(ii), (iii) and (v) and any restrictions imposed by the Appropriate Federal Banking Agency or, if applicable, the
Issuer's state bank supervisor (as defined in Section 3(r) of the Federal Deposit Insurance Act (12 U.S.C. &sect; 1813(q)), so
long as any share of Designated Preferred Stock remains outstanding, the Issuer may declare and pay dividends on the Common Stock,
any other shares of Junior Stock, or Parity Stock, in each case only if (A) after giving effect to such dividend the Issuer's Tier
1 capital would be at least equal to the Tier 1 Dividend Threshold, and (B) full dividends on all outstanding shares of Designated
Preferred Stock for the most recently completed Dividend Period have been or are contemporaneously declared and paid.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
a dividend is not declared and paid in full on the Designated Preferred Stock in respect of any Dividend Period, then from the
last day of such Dividend Period until the last day of the third (3rd) Dividend Period immediately following it, no dividend or
distribution shall be declared or paid on the Common Stock or any other shares of Junior Stock (other than dividends payable solely
in shares of Common Stock) or Parity Stock; provided, however, that in any such Dividend Period in which a dividend is declared
and paid on the Designated Preferred Stock, dividends may be paid on Parity Stock to the extent necessary to avoid any material
breach of a covenant by which the Issuer is bound.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>When
dividends have not been declared and paid in full for an aggregate of four (4) Dividend Periods or more, and during such time the
Issuer was not subject to a regulatory determination that prohibits the declaration and payment of dividends, the Issuer shall,
within five (5) calendar days of each missed payment, deliver to the holders of the Designated Preferred Stock a certificate executed
by at least a majority of the Issuer's board of directors stating that the board of directors used its best efforts to declare
and pay such dividends in a manner consistent with (A) safe and sound banking practices and (B) the directors' fiduciary obligations.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Subject
to the foregoing and Section 3(e) below and not otherwise, such dividends (payable in cash, securities or other property) as may
be determined by the board of directors of the Issuer or any duly authorized committee of the board of directors may be declared
and paid on any securities, including Common Stock and other Junior Stock, from time to time out of any funds legally available
for such payment, and holders of Designated Preferred Stock shall not be entitled to participate in any such dividends.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
the Issuer is not Publicly-Traded, then after the tenth (10th) anniversary of the Signing Date, so long as any share of Designated
Preferred Stock remains outstanding, no dividend or distribution shall be declared or paid on the Common Stock or any other shares
of Junior Stock (other than dividends payable solely in shares of Common Stock) or Parity Stock.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Special
Lending Incentive Fee Related to CPP</U>. If Treasury held Previously <FONT STYLE="font-size: 10pt">Acquired Preferred Shares immediately
prior to the Original Issue Date and the Issuer did not apply to Treasury to redeem such Previously Acquired Preferred Shares prior
to December 16, 2010, and if the Issuer's Supplemental Report with respect to the ninth (9th) Dividend Period reflects an amount
of Qualified Small Business Lending that is less than or equal to the Baseline (or if the Issuer fails to timely file a Supplemental
Report with respect to the ninth (9th) Dividend Period), then beginning on [N/A] and on all Dividend Payment Dates thereafter ending
on [N/A], the Issuer shall pay to the Holders of Designated Preferred Stock, on each share of Designated Preferred Stock, but only
out of assets legally available therefor, a fee equal to 0.5% of the Liquidation Amount per share of Designated Preferred Stock
(&ldquo;CPP Lending Incentive Fee&rdquo;). All references in Section 3(d) to &ldquo;dividends&rdquo; on the Designated Preferred
Stock shall be deemed to include the CPP Lending Incentive Fee.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation
Rights</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Voluntary
or Involuntary Liquidation</U>. In the event of any liquidation, dissolution or winding up of the affairs of the Issuer, whether
voluntary or involuntary, holders of Designated Preferred Stock shall be entitled to receive for each share of Designated Preferred
Stock, out of the assets of the Issuer or proceeds thereof (whether capital or surplus) available for distribution to shareholders
of the Issuer, subject to the rights of any creditors of the Issuer, before any distribution of such assets or proceeds is made
to or set aside for the holders of Common Stock and any other stock of the Issuer ranking junior to Designated Preferred Stock
as to such distribution, payment in full in an amount equal to the sum of (i) the Liquidation Amount per share and (ii) the amount
of any accrued and unpaid dividends on each such share (such amounts collectively, the &ldquo;Liquidation Preference&rdquo;).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Partial
Payment</U>. If in any distribution described in Section 4(a) above the assets of the Issuer or proceeds thereof are not sufficient
to pay in full the amounts payable with respect to all outstanding shares of Designated Preferred Stock and the corresponding amounts
payable with respect of any other stock of the Issuer ranking equally with Designated Preferred Stock as to such distribution,
holders of Designated Preferred Stock and the holders of such other stock shall share ratably in any such distribution in proportion
to the full respective distributions to which they are entitled.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Residual
Distributions</U>. If the Liquidation Preference has been paid in full to all holders of Designated Preferred Stock and the corresponding
amounts payable with respect of any other stock of the Issuer ranking equally with Designated Preferred Stock as to such distribution
have been paid in full, the holders of other stock of the Issuer shall be entitled to receive all remaining assets of the Issuer
(or proceeds thereof) according to their respective rights and preferences.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Merger,
Consolidation and Sale of Assets Is Not Liquidation</U>. For purposes of this Section 4, the merger or consolidation of the Issuer
with any other corporation or other entity, including a merger or consolidation in which the holders of Designated Preferred Stock
receive cash, securities or other property for their shares, or the sale, lease or exchange (for cash, securities or other property)
of all or substantially all of the assets of the Issuer, shall not constitute a liquidation, dissolution or winding up of the Issuer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Redemption</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Optional
Redemption</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Subject
to the other provisions of this Section 5:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
Issuer, at its option, subject to the approval of the Appropriate Federal Banking Agency, may redeem, in whole or in part, at any
time and from time to time, out of funds legally available therefor, the shares of Designated Preferred Stock at the time outstanding;
and</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If,
after the Signing Date, there is a change in law that modifies the terms of Treasury's investment in the Designated Preferred Stock
or the terms of Treasury's Small Business Lending Fund program in a materially adverse respect for the Issuer, the Issuer may,
after consultation with the Appropriate Federal Banking Agency, redeem all of the shares of Designated Preferred Stock at the time
outstanding.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
per-share redemption price for shares of Designated Preferred Stock shall be equal to the sum of:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>the
Liquidation Amount per share;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>the
per-share amount of any unpaid dividends for the then-current Dividend Period at the Applicable Dividend Rate to, but excluding,
the date fixed for redemption (regardless of whether any dividends are actually declared for that Dividend Period); and</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
pro rata amount of CPP Lending Incentive Fees for the current Dividend Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">The redemption price
for any shares of Designated Preferred Stock shall be payable on the redemption date to the holder of such shares against surrender
of the certificate(s) evidencing such shares to the Issuer or its agent. Any declared but unpaid dividends for the then current
Dividend Period payable on a redemption date that occurs subsequent to the Dividend Record Date for a Dividend Period shall not
be paid to the holder entitled to receive the redemption price on the redemption date, but rather shall be paid to the holder of
record of the redeemed shares on such Dividend Record Date relating to the Dividend Payment Date as provided in Section 3 above.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>No
Sinking Fund</U>. The Designated Preferred Stock will not be subject to any mandatory redemption, sinking fund or other similar
provisions. Holders of Designated Preferred Stock will have no right to require redemption or repurchase of any shares of Designated
Preferred Stock.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Notice
of Redemption</U>. Notice of every redemption of shares of Designated Preferred Stock shall be given by first class mail, postage
prepaid, addressed to the holders of record of the shares to be redeemed at their respective last addresses appearing on the books
of the Issuer. Such mailing shall be at least 30 days and not more than 60 days before the date fixed for redemption. Any notice
mailed as provided in this Subsection shall be conclusively presumed to have been duly given, whether or not the holder receives
such notice, but failure duly to give such notice by mail, or any defect in such notice or in the mailing thereof, to any holder
of shares of Designated Preferred Stock designated for redemption shall not affect the validity of the proceedings for the redemption
of any other shares of Designated Preferred Stock. Notwithstanding the foregoing, if shares of Designated Preferred Stock are issued
in book-entry form through The Depository Trust Company or any other similar facility, notice of redemption may be given to the
holders of Designated Preferred Stock at such time and in any manner permitted by such facility. Each notice of redemption given
to a holder shall state: (1) the redemption date; (2) the number of shares of Designated Preferred Stock to be redeemed and, if
less than all the shares held by such holder are to be redeemed, the number of such shares to be redeemed from such holder; (3)
the redemption price; and (4) the place or places where certificates for such shares are to be surrendered for payment of the redemption
price.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Partial
Redemption</U>. In case of any redemption of part of the shares of Designated Preferred Stock at the time outstanding, the shares
to be redeemed shall be selected either pro rata or in such other manner as the board of directors of the Issuer or a duly authorized
committee thereof may determine to be fair and equitable, but in any event the shares to be redeemed shall not be less than the
Minimum Amount. Subject to the provisions hereof, the board of directors of the Issuer or a duly authorized committee thereof shall
have full power and authority to prescribe the terms and conditions upon which shares of Designated Preferred Stock shall be redeemed
from time to time, subject to the approval of the Appropriate Federal Banking Agency. If fewer than all the shares represented
by any certificate are redeemed, a new certificate shall be issued representing the unredeemed shares without charge to the holder
thereof</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Effectiveness
of Redemption</U>. If notice of redemption has been duly given and if on or before the redemption date specified in the notice
all funds necessary for the redemption have been deposited by the Issuer, in trust for the <I>pro rata</I> benefit of the holders
of the shares called for redemption, with a bank or trust company doing business in the Borough of Manhattan, The City of New York,
and having a capital and surplus of at least $500 million and selected by the board of directors of the Issuer, so as to be and
continue to be available solely therefor, then, notwithstanding that any certificate for any share so called for redemption has
not been surrendered for cancellation, on and after the redemption date dividends shall cease to accrue on all shares so called
for redemption, all shares so called for redemption shall no longer be deemed outstanding and all rights with respect to such shares
shall forthwith on such redemption date cease and terminate, except only the right of the holders thereof to receive the amount
payable on such redemption from such bank or trust company, without interest. Any funds unclaimed at the end of three years from
the redemption date shall, to the extent permitted by law, be released to the Issuer, after which time the holders of the shares
so called for redemption shall look only to the Issuer for payment of the redemption price of such shares.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Status
of Redeemed Shares</U>. Shares of Designated Preferred Stock that are redeemed, repurchased or otherwise acquired by the Issuer
shall revert to authorized but unissued shares of Preferred Stock (<I>provided</I> that any such cancelled shares of Designated
Preferred Stock may be reissued only as shares of any series of Preferred Stock other than Designated Preferred Stock).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion</U>.
Holders of Designated Preferred Stock shall have no right to exchange or convert such shares into any other securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting
Rights</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>General</U>.
The holders of Designated Preferred Stock shall not have any voting rights except as set forth below or as otherwise from time
to time required by law.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Board
Observation Rights</U>. Whenever, at any time or times, dividends on the shares of Designated Preferred Stock have not been declared
and paid in full within five (5) Business Days after each Dividend Payment Date for an aggregate of five (5) Dividend Periods or
more, whether or not consecutive, the Issuer shall invite a representative selected by the holders of a majority of the outstanding
shares of Designated Preferred Stock, voting as a single class, to attend all meetings of its board of directors in a nonvoting
observer capacity and, in this respect, shall give such representative copies of all notices, minutes, consents, and other materials
that it provides to its directors in connection with such meetings; provided, that the holders of the Designated Preferred Stock
shall not be obligated to select such a representative, nor shall such representative, if selected, be obligated to attend any
meeting to which he/she is invited. The rights of the holders of the Designated Preferred Stock set forth in this Section 7(b)
shall terminate when full dividends have been timely paid on the Designated Preferred Stock for at least four consecutive Dividend
Periods, subject to revesting in the event of each and every subsequent default of the character above mentioned.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Preferred
Stock Directors</U>. Whenever, at any time or times, (i) dividends on the shares of Designated Preferred Stock have not been declared
and paid in full within five (5) Business Days after each Dividend Payment Date for an aggregate of six (6) Dividend Periods or
more, whether or not consecutive, and (ii) the aggregate liquidation preference of the then-outstanding shares of Designated Preferred
Stock is greater than or equal to $25,000,000, the authorized number of directors of the Issuer shall automatically be increased
by two and the holders of the Designated Preferred Stock, voting as a single class, shall have the right, but not the obligation,
to elect two directors (hereinafter the &ldquo;<U>Preferred Directors</U>&rdquo; and each a &ldquo;<U>Preferred Director</U>&rdquo;)
to fill such newly created directorships at the Issuer's next annual meeting of shareholders (or, if the next annual meeting is
not yet scheduled or is scheduled to occur more than thirty days later, the President of the Issuer shall promptly call a special
meeting for that purpose) and at each subsequent annual meeting of shareholders until full dividends have been timely paid on the
Designated Preferred Stock for at least four (4) consecutive Dividend Periods, at which time such right shall terminate with respect
to the Designated Preferred Stock, except as herein or by law expressly provided, subject to revesting in the event of each and
every subsequent default of the character above mentioned; provided that it shall be a qualification for election for any Preferred
Director that the election of such Preferred Director shall not cause the Issuer to violate any corporate governance requirements
of any securities exchange or other trading facility on which securities of the Issuer may then be listed or traded that listed
or traded companies must have a majority of independent directors. Upon any termination of the right of the holders of shares of
Designated Preferred Stock to vote for directors as provided above, the Preferred Directors shall cease to be qualified as directors,
the term of office of all Preferred Directors then in office shall terminate immediately and the authorized number of directors
shall be reduced by the number of Preferred Directors elected pursuant hereto. Any Preferred Director may be removed at any time,
with or without cause, and any vacancy created thereby may be filled, only by the affirmative vote of the holders of a majority
of the shares of Designated Preferred Stock at the time outstanding voting separately as a class. If the office of any Preferred
Director becomes vacant for any reason other than removal from office as aforesaid, the holders of a majority of the outstanding
shares of Designated Preferred Stock, voting as a single class, may choose a successor who shall hold office for the unexpired
term in respect of which such vacancy occurred.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Class
Voting Rights as to Particular Matters</U>. So long as any shares of Designated Preferred Stock are outstanding, in addition to
any other vote or consent of shareholders required by law or by the Charter, the written consent of (x) Treasury if Treasury holds
any shares of Designated Preferred Stock, or (y) the holders of a majority of the outstanding shares of Designated Preferred Stock,
voting as a single class, if Treasury does not hold any shares of Designated Preferred Stock, shall be necessary for effecting
or validating:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Authorization
of Senior Stock</U>. Any amendment or alteration of the Certificate of Designation for the Designated Preferred Stock or the Charter
to authorize or create or increase the authorized amount of, or any issuance of, any shares of, or any securities convertible into
or exchangeable or exercisable for shares of, any class or series of capital stock of the Issuer ranking senior to Designated Preferred
Stock with respect to either or both the payment of dividends and/or the distribution of assets on any liquidation, dissolution
or winding up of the Issuer;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Amendment
of Designated Preferred Stock</U>. Any amendment, alteration or repeal of any provision of the Certificate of Designation for the
Designated Preferred Stock or the Charter (including, unless no vote on such merger or consolidation is required by Section 7(d)(iii)
below, any amendment, alteration or repeal by means of a merger, consolidation or otherwise) so as to adversely affect the rights,
preferences, privileges or voting powers of the Designated Preferred Stock;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Share
Exchanges, Reclassifications, Mergers and Consolidations</U>. Subject to Section 7(d)(v) below, any consummation of a binding share
exchange or reclassification involving the Designated Preferred Stock, or of a merger or consolidation of the Issuer with another
corporation or other entity, unless in each case (x) the shares of Designated Preferred Stock remain outstanding or, in the case
of any such merger or consolidation with respect to which the Issuer is not the surviving or resulting entity, are converted into
or exchanged for preference securities of the surviving or resulting entity or its ultimate parent, and (y) such shares remain
outstanding or such preference securities, as the case may be, have such rights, preferences, privileges and voting powers, and
limitations and restrictions thereof, that are the same as the rights, preferences, privileges and voting powers, and limitations
and restrictions thereof, of Designated Preferred Stock immediately prior to such consummation, taken as a whole; <I>provided</I>,
that in all cases, the obligations of the Issuer are assumed (by operation of law or by express written assumption) by the resulting
entity or its ultimate parent;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Certain
Asset Sales</I>. Any sale of all, substantially all, or any material portion of, the assets of the Issuer, if the Designated Preferred
Stock will not be redeemed in full contemporaneously with the consummation of such sale; and</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Holding
Company Transactions</I>. Any consummation of a Holding Company Transaction, unless as a result of the Holding Company Transaction
each share of Designated Preferred Stock shall be converted into or exchanged for one share with an equal liquidation preference
of preference securities of the Issuer or the Acquiror (the &ldquo;<U>Holding Company Preferred Stock</U>&rdquo;). Any such Holding
Company Preferred Stock shall entitle holders thereof to dividends from the date of issuance of such Holding Company Preferred
Stock on terms that are equivalent to the terms set forth herein, and shall have such other rights, preferences, privileges and
voting powers, and limitations and restrictions thereof, that are the same as the rights, preferences, privileges and voting powers,
and limitations and restrictions thereof, of Designated Preferred Stock immediately prior to such conversion or exchange, taken
as a whole;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"><I>provided, however</I>,
that for all purposes of this Section 7(d), any increase in the amount of the authorized Preferred Stock, including any increase
in the authorized amount of Designated Preferred Stock necessary to satisfy preemptive or similar rights granted by the Issuer
to other persons prior to the Signing Date, or the creation and issuance, or an increase in the authorized or issued amount, whether
pursuant to preemptive or similar rights or otherwise, of any other series of Preferred Stock, or any securities convertible into
or exchangeable or exercisable for any other series of Preferred Stock, ranking equally with and/or junior to Designated Preferred
Stock with respect to the payment of dividends (whether such dividends are cumulative or non-cumulative) and the distribution of
assets upon liquidation, dissolution or winding up of the Issuer will not be deemed to adversely affect the rights, preferences,
privileges or voting powers, and shall not require the affirmative vote or consent of, the holders of outstanding shares of the
Designated Preferred Stock.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Changes
after Provision for Redemption</U>. No vote or consent of the holders of Designated Preferred Stock shall be required pursuant
to Section 7(d) above if, at or prior to the time when any such vote or consent would otherwise be required pursuant to such Section,
all outstanding shares of the Designated Preferred Stock shall have been redeemed, or shall have been called for redemption upon
proper notice and sufficient funds shall have been deposited in trust for such redemption, in each case pursuant to Section 5 above.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Procedures
for Voting and Consents</U>. The rules and procedures for calling and conducting any meeting of the holders of Designated Preferred
Stock (including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies
at such a meeting, the obtaining of written consents and any other aspect or matter with regard to such a meeting or such consents
shall be governed by any rules the board of directors of the Issuer or any duly authorized committee of the board of directors,
in its discretion, may adopt from time to time, which rules and procedures shall conform to the requirements of the Charter, the
Bylaws, and applicable law and the rules of any national securities exchange or other trading facility on which Designated Preferred
Stock is listed or traded at the time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Restriction
on Redemptions and Repurchases</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Subject
to Sections 8(b) and (c), so long as any share of Designated Preferred Stock remains outstanding, the Issuer may repurchase or
redeem any shares of Capital Stock (as defined below), in each case only if (i) after giving effect to such dividend, repurchase
or redemption, the Issuer's Tier 1 capital would be at least equal to the Tier 1 Dividend Threshold and (ii) dividends on all outstanding
shares of Designated Preferred Stock for the most recently completed Dividend Period have been or are contemporaneously declared
and paid (or have been declared and a sum sufficient for the payment thereof has been set aside for the benefit of the holders
of shares of Designated Preferred Stock on the applicable record date).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
a dividend is not declared and paid on the Designated Preferred Stock in respect of any Dividend Period, then from the last day
of such Dividend Period until the last day of the third (3rd) Dividend Period immediately following it, neither the Issuer nor
any Issuer Subsidiary shall, redeem, repurchase or acquire any shares of Common Stock, Junior Stock, Parity Stock or other capital
stock or other equity securities of any kind of the Issuer or any Issuer Subsidiary, or any trust preferred securities issued by
the Issuer or any Affiliate of the Issuer (&ldquo;Capital Stock&rdquo;) (other than (i) redemptions, purchases, repurchases or
other acquisitions of the Designated Preferred Stock and (ii) repurchases of Junior Stock or Common Stock in connection with the
administration of any employee benefit plan in the ordinary course of business (including purchases to offset any Share Dilution
Amount pursuant to a publicly announced repurchase plan) and consistent with past practice; provided that any purchases to offset
the Share Dilution Amount shall in no event exceed the Share Dilution Amount, (iii) the acquisition by the Issuer or any of the
Issuer Subsidiaries of record ownership in Junior Stock or Parity Stock for the beneficial ownership of any other persons (other
than the Issuer or any other Issuer Subsidiary), including as trustees or custodians, (iv) the exchange or conversion of Junior
Stock for or into other Junior Stock or of Parity Stock or trust preferred securities for or into other Parity Stock (with the
same or lesser aggregate liquidation amount) or Junior Stock, in each case set forth in this clause (iv), solely to the extent
required pursuant to binding contractual agreements entered into prior to the Signing Date or any subsequent agreement for the
accelerated exercise, settlement or exchange thereof for Common Stock, (v) redemptions of securities held by the Issuer or any
wholly-owned Issuer Subsidiary or (vi) redemptions, purchases or other acquisitions of capital stock or other equity securities
of any kind of any Issuer Subsidiary required pursuant to binding contractual agreements entered into prior to (x) if Treasury
held Previously Acquired Preferred Shares immediately prior to the Original Issue Date, the original issue date of such Previously
Acquired Preferred Shares, or (y) otherwise, the Signing Date).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left; text-indent: 0in; color: #010000">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
the Issuer is not Publicly-Traded, then after the tenth (10th) anniversary of the Signing Date, so long as any share of Designated
Preferred Stock remains outstanding, no Common Stock, Junior Stock or Parity Stock shall be, directly or indirectly, purchased,
redeemed or otherwise acquired for consideration by the Issuer or any of its subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Preemptive Rights</U>. No share of Designated Preferred Stock shall have any rights of preemption whatsoever as to any securities
of the Issuer, or any warrants, rights or options issued or granted with respect thereto, regardless of how such securities, or
such warrants, rights or options, may be designated, issued or granted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>References
to Line Items of Supplemental Reports</U>. If Treasury modifies the form of Supplemental Report, pursuant to its rights under the
Definitive Agreement, and any such modification includes a change to the caption or number of any line item on the Supplemental
Report, then any reference herein to such line item shall thereafter be a reference to such re-captioned or re-numbered line item.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Record
Holders</U>. To the fullest extent permitted by applicable law, the Issuer and the transfer agent for Designated Preferred Stock
may deem and treat the record holder of any share of Designated Preferred Stock as the true and lawful owner thereof for all purposes,
and neither the Issuer nor such transfer agent shall be affected by any notice to the contrary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.
All notices or communications in respect of Designated Preferred Stock shall be sufficiently given if given in writing and delivered
in person or by first class mail, postage prepaid, or if given in such other manner as may be permitted in this Certificate of
Designation, in the Charter or Bylaws or by applicable law. Notwithstanding the foregoing, if shares of Designated Preferred Stock
are issued in book-entry form through The Depository Trust Company or any similar facility, such notices may be given to the holders
of Designated Preferred Stock in any manner permitted by such facility.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Replacement
Certificates</U>. The Issuer shall replace any mutilated certificate at the holder's expense upon surrender of that certificate
to the Issuer. The Issuer shall replace certificates that become destroyed, stolen or lost at the holder's expense upon delivery
to the Issuer of reasonably satisfactory evidence that the certificate has been destroyed, stolen or lost, together with any indemnity
that may be reasonably required by the Issuer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Section 14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Other
Rights</U>. The shares of Designated Preferred Stock shall not have any rights, preferences, privileges or voting powers or relative,
participating, optional or other special rights, or qualifications, limitations or restrictions thereof, other than as set forth
herein or in the Charter or as provided by applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="margin-top: 0; margin-bottom: 0; text-align: right"><B>Exhibit 4.1</B></P>

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<TYPE>EX-10.1
<SEQUENCE>10
<FILENAME>v419670_ex10-1.htm
<DESCRIPTION>EXHIBIT 10.1
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<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>ASSIGNMENT AND ASSUMPTION AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>THIS ASSIGNMENT
AND ASSUMPTION AGREEMENT </B>(the &ldquo;Assignment&rdquo;) is made and entered into by and between <FONT STYLE="text-transform: uppercase"><B>smartfinancial,
inc.</B></FONT><FONT STYLE="font-variant: small-caps">, </FONT>a Tennessee corporation (&ldquo;Assignor&rdquo;), and<FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>
cornerstone bancshares, inc.</B></FONT>, a Tennessee corporation (&ldquo;Assignee&rdquo;). This Assignment shall be deemed entered
into and effective at such time, if any, as the Merger (as defined below) becomes effective (the &ldquo;Effective Time&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>RECITALS</B></FONT><B><FONT STYLE="font-variant: small-caps">:</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>The
United States Department of the Treasury (&ldquo;Treasury&rdquo;) and Assignor entered into that certain Small Business Lending
Fund Securities Purchase Agreement No. 0493, dated August 4, 2011 (the &ldquo;SBLF Securities Purchase Agreement&rdquo;), pursuant
to which Assignor issued to Treasury 12,000 shares of Non-Cumulative Perpetual Preferred Stock, Series A, with a liquidation preference
of $1,000 per share (the &ldquo;SmartFinancial SBLF Stock&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Assignor
and Assignee are parties to that certain Agreement and Plan of Merger dated as of December 5, 2014, by and among Assignor, Assignee,
Cornerstone Community Bank, a Tennessee-chartered commercial bank and wholly-owned subsidiary of Assignee, and SmartBank, a Tennessee-charted
commercial bank and wholly-owned subsidiary of Assignor (the &ldquo;Merger Agreement&rdquo;), pursuant to which, subject to approval
by Assignor&rsquo;s and Assignee&rsquo;s shareholders and federal and state bank regulatory authorities, Assignor will merge with
and into Assignee, with the surviving corporation to operate under the name &ldquo;SmartFinancial, Inc.&rdquo; and to have its
headquarters in Knoxville, Tennessee (the &ldquo;Merger&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Pursuant
to the Merger Agreement, the SmartFinancial SBLF Stock will be exchanged for Non-Cumulative Perpetual Preferred Stock, Series B,
with a liquidation preference of $1,000 per share and rights, preferences, privileges, and voting powers equivalent to the SmartFinancial
SBLF Stock, to be issued by Assignee (the &ldquo;Cornerstone SBLF Stock&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Pursuant
to the Merger Agreement and in connection with the exchange of the SmartFinancial SBLF Stock for Cornerstone SBLF Stock, Assignee
has agreed to assume and perform all obligations of Assignor under the SBLF Securities Purchase Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-variant: small-caps"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-variant: small-caps"><B>AGREEMENT:</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-variant: small-caps"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-variant: small-caps"><B>NOW,
THEREFORE,</B></FONT><B> </B>for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged,
the parties hereby agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><B>ASSIGNMENT</B></FONT>.
Effective as of the Effective Time, Assignor hereby assigns, conveys, transfers, and sets over unto Assignee all of Assignor&rsquo;s
right, title, and interest in, under and to the SBLF Securities Purchase Agreement, together with all rights, privileges, and claims
relating to the SBLF Securities Purchase Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><B>ASSUMPTION</B></FONT>.
Effective as of the Effective Time, Assignee hereby accepts the assignment of the SBLF Securities Purchase Agreement from Assignor
and hereby assumes all of Assignor&rsquo;s duties and obligations under the SBLF Securities Purchase Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><B>EFFECTIVENESS
OF MERGER</B>.<B> </B></FONT>In the event that the Merger does not become effective, then this Assignment shall be null and void
and of no further force and effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><B>FURTHER
ASSURANCES</B></FONT>. Each of Assignor and Assignee agrees to execute such other documents and take such other actions as may
be reasonably necessary or desirable to confirm or effectuate the assignment and assumption contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><B>BINDING
EFFECT</B></FONT>. This Assignment and the covenants and agreements herein contained shall be binding upon and inure to the benefit
of the parties hereto and their respective successors and assigns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><B>RATIFICATION</B>.<B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT>Assignor
and Assignee ratify all other provisions of the SBLF Securities Purchase Agreement, except as set forth on <U>Exhibit A</U> to
this Assignment, which sets forth an updated disclosure schedule to the SBLF Securities Purchase Agreement prepared by Assignee
as of the Effective Time as if Assignee were a party to the SBLF Securities Purchase Agreement, which such updated disclosure schedule
shall replace and supersede the prior disclosure schedules contained in the SBLF Securities Purchase Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><B>NO
MODIFICATION OF MERGER AGREEMENT</B></FONT>. This Assignment is delivered pursuant to the Merger Agreement and, as between Assignor
and Assignee, is subject in all respects to the provisions thereof and is not meant to alter, enlarge or otherwise modify the provisions
of the Merger Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><B>MODIFICATION</B></FONT>.
This Assignment may be modified or supplemented only by written agreement of the parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="font-variant: small-caps"><B>COUNTERPARTS</B></FONT>.
This Assignment may be executed in one or more counterparts, each of which shall be deemed to be an original and all of which taken
together shall constitute one and the same instrument.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>GOVERNING
LAW</B>. This Assignment and any claim, controversy or dispute arising under or relating to this Assignment, the relationship of
the parties, and/or the interpretation and enforcement of the rights and duties of the parties shall be enforced, governed, and
construed in all respects (whether in contract or in tort) in accordance with the federal law of the United States if and to the
extent such law is applicable, and otherwise in accordance with the laws of the State of New York applicable to contracts made
and to be performed entirely within such State.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[SIGNATURE PAGE FOLLOWS]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>,
the parties have executed this Assignment as of the Effective Time set forth above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; text-indent: 0in">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left; text-indent: 0in"><B>ASSIGNOR</B>:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-variant: small-caps"><B>SMARTFINANCIAL,&nbsp;INC.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: left">By:</TD>
    <TD STYLE="width: 47%; text-align: left; border-bottom: Black 1pt solid">/s/&nbsp;<I>William&nbsp;Y.&nbsp;Carroll,&nbsp;Jr.</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">Name:&nbsp;&nbsp;William&nbsp;Y.&nbsp;Carroll,&nbsp;Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">Title:&nbsp;&nbsp;&nbsp;&nbsp;President&nbsp;&amp;&nbsp;CEO</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left"><B>ASSIGNEE</B>:</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>CORNERSTONE&nbsp;BANCSHARES,&nbsp;INC.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">By:</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid">/s/&nbsp;<I>Nathaniel&nbsp;F.&nbsp;Hughes</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">Name:&nbsp;Nathaniel&nbsp;F.&nbsp;Hughes</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">Title:&nbsp;&nbsp;&nbsp;President&nbsp;&amp;&nbsp;CEO</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left"><B>ACKNOWLEDGED&nbsp;AND&nbsp;ACCEPTED:</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-transform: uppercase"><B>THE&nbsp;SECRETARY&nbsp;OF&nbsp;THE&nbsp;TREASURY</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">By:</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1pt solid">/s<I>/&nbsp;Jessica&nbsp;Milano</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">Name:&nbsp;&nbsp;Jessica&nbsp;Milano</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: left">Title:&nbsp;&nbsp;&nbsp;&nbsp;Deputy&nbsp;Assistant&nbsp;Directory</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">[<I>Signature Page to Assignment and Assumption
Agreement</I>]</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>EXHIBIT A</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B><U>DISCLOSURE SCHEDULES</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>ANNEX D</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>DISCLOSURE SCHEDULE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-top: Black 1pt solid; text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Part 2.2</B></FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>CAPITALIZATION</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Capital stock reserved for issuance in connection with securities or obligations giving the holder thereof the right to acquire such capital:</FONT></TD>
    <TD STYLE="width: 2%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 49%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,194,085</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Shares issued since the Capitalization Date upon exercise of options or pursuant to equity-based awards, warrants or convertible securities:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">0</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">All other shares issued since the Capitalization Date:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">In order to provide the surviving corporation with sufficient capital, the parties have agreed to raise up to $15 million in capital through an offering of Cornerstone Bancshares, Inc. common stock for, which such offering is expected to close in July 2015.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">Holders of 5% or more of any class of capital</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">stock:</P></TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">Primary Address</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">The Banc Funds Company, LLC</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">20 North Wacker Drive</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Suite 3300</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Chicago, IL 60606</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-decoration: underline; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>If the Company is a Bank Holding Company or Savings and Loan Holding Company, complete the following (leave blank otherwise):</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Name of IDI Subsidiary</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Percentage of IDI Subsidiary&rsquo;s capital
        stock</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">owned by the Company</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cornerstone Community Bank</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">100%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Part 2.13</B></FONT></TD>
    <TD STYLE="text-decoration: underline; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><U>Compliance with Laws</U></B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><I>List
any exceptions to the representation and warranty in the second sentence of Section 2.13 of the General Terms and Conditions. If
none, please so indicate by checking the box: </I></FONT><FONT STYLE="font: 10pt Wingdings">x</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><I>List any exceptions to the representation
and warranty in the last sentence of Section 2.13 of the General Terms and Conditions. If none, please so indicate by checking
the box: </I><FONT STYLE="font: 10pt Wingdings">x</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in; text-align: left"><B>Part 2.19</B></TD>
    <TD STYLE="text-decoration: underline; text-align: left"><B><U>Regulatory Agreements</U></B></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><I>List
any exceptions to the representation and warranty in Section 2.19 of the General Terms and Conditions. If none, please so indicate
by checking the box: </I></FONT><FONT STYLE="font: 10pt Wingdings">&uml;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Board
Resolution of Bancshares dated June 21, 2010 relating to remedial actions to be taken in connection with (i) Stipulation to the
Issuance of a Consent Order between the FDIC and Cornerstone Community Bank dated April 2, 2010 (the &ldquo;Consent Order&rdquo;)
and (ii) Agreement between TDFI and Cornerstone Community Bank dated April 5, 2010 (the &ldquo;TDFI Agreement&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Consent Order. The Consent Order was lifted on August 17, 2012.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
TDFI Agreement. The TDFI Agreement was terminated on August 17, 2012.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Memorandum
of Understanding dated August 7, 2012 between the FDIC, the TDFI and the Board of Directors of Cornerstone Community Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.75in; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Part 2.25</B></FONT></TD>
    <TD STYLE="text-decoration: underline; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><U>Related Party Transactions</U></B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif"><I>List
any exceptions to the representation and warranty in Section 2.25 of the General Terms and Conditions. If none, please so indicate
by checking the box: </I></FONT><FONT STYLE="font: 10pt Wingdings">x</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><I>&nbsp;</I></P>


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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>11
<FILENAME>v419670_ex10-2.htm
<DESCRIPTION>EXHIBIT 10.2
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.2</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>EMPLOYMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS EMPLOYMENT AGREEMENT
is made and entered into as of February 1, 2015 (the &quot;<U>Effective Date</U>&quot;), by and among SmartFinancial, Inc., a Tennessee
corporation and registered bank holding company (the &quot;<U>Company</U>&quot;); SmartBank, a banking corporation organized under
the laws of the State of Tennessee (the &quot;<U>Bank</U>,&quot; and together with the Company, collectively, the &quot;<U>Employer</U>&quot;);
and William Y. Carroll, Jr., a resident of the State of Tennessee (the &quot;<U>Employee</U>&quot;). The Company, the Bank, and
the Employee are sometimes referred to herein collectively as the &quot;<U>Parties</U>,&quot; and each is sometimes referred to
herein individually as a &quot;<U>Party</U>.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>RECITALS</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Employer
desires to employ the Employee as the President and Chief Executive Officer of the Company and of the Bank, and the Employee desires
to accept such employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Parties desire
to set forth in this Agreement the terms and conditions upon which the Employee will be so employed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>AGREEMENT</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In consideration of
the premises set forth above, the mutual agreements hereinafter set forth, and other good and valuable consideration, the receipt
and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions.</U>
When used in this Agreement, the following terms and their variant forms shall have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>&quot;Affiliate&quot;</U>
shall mean any person that controls, is controlled by, or is under common control with another person. For this purpose, &quot;control&quot;
means ownership of more than 50% of the ordinary voting power of the outstanding equity securities of a person. For the avoidance
of doubt, it is expressly acknowledged that, following the Merger, the Bank and Cornerstone Community Bank, a banking corporation
organized under the laws of the State of Tennessee (&quot;Cornerstone&quot;), will be Affiliates for purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Agreement&quot;</U>
shall mean this Employment Agreement and any appendices incorporated herein together with any amendments hereto made i<FONT STYLE="font-family: Times New Roman, Times, Serif">&#10065;</FONT>
the manner described in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>&quot;Area&quot;</U>
shall mean, during the period of the Employee's employment, a radius of 75 miles from each banking office (whether a main office,
branch office, or loan or deposit production office) maintained by the Bank and/or any Affiliate of the Bank from time to time
during such period of employment, and, following the period of the Employee's employment, a radius of 75 miles from each banking
office (whether a main office, branch office, or loan or deposit production office) maintained by the Bank and/or any Affiliate
of the Bank as of the last day of the Employee's employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Board
of Directors</U>&quot; shall mean the board of directors of the Bank or the Company, as indicated herein, and, where appropriate,
any committee or designee thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Business
of the Employer</U>&quot; shall mean the business conducted by the Company and/or the Bank and/or any Affiliate of the Company
or the Bank, which as to the Bank and the Company shall include the business of commercial and consumer banking.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Cause</U>&quot;
shall mean:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the context of the termination
of this Agreement by the employer:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a breach of the
terms of this Agreement by the Employee not cured by the Employee within 15 business days after the Employee's receipt of the Employer's
written notice thereof, including, without limitation, failure by the Employee to perform the Employee's duties and responsibilities
in the manner and to the extent required under this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any act by the
Employee of fraud against, misappropriation from, or dishonesty to the Company or the Bank or any Affiliate of the Company or the
Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the conviction
of the Employee of any crime;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;conduct by the
Employee that amounts to willful misconduct, gross neglect, or a material failure to perform the Employee's duties and responsibilities
hereunder, including prolonged absences without the written consent of the President and Chief Executive Officer of the Company;
provided that the nature of such conduct shall be set forth with reasonable particularity in a written notice to the Employee who
shall have 15 business days following delivery of such notice to cure such alleged conduct, provided that such conduct is, in the
reasonable discretion of the President and Chief Executive Officer of the Company, susceptible to a cure;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the exhibition
by the Employee of a standard of behavior within the scope of or related to the Employee's employment that is in violation of:
(i) any written policy, which violation results in or is likely to result in a material loss or regulatory criticism, (ii) any
board committee charter, or (iii) any code of ethics or business conduct of the Company or any Affiliate of the Company; provided
in each case that the nature of such behavior shall be set forth with reasonable particularity in a written notice to the Employee
who shall have 15 business days following delivery of such notice to cure such alleged behavior, provided that such behavior is,
in the reasonable discretion of the President and Chief Executive Officer of the Company, susceptible to a cure;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;conduct or behavior
by the Employee that, in the reasonable opinion of the President and Chief Executive Officer of the Company, has harmed or could
be expected to harm the business or reputation of the Company, the Bank, or any Affiliate of the Company or the Bank, including,
without limitation, conduct or behavior that is unethical or involves moral turpitude;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;receipt of any
form of written notice that any regulatory agency or authority having jurisdiction over the Company, the Bank, or any Affiliate
of the Company or the Bank has instituted any form of regulatory action against the Employee; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Employee's
removal from office or permanent prohibition from participating in the conduct of the affairs of the Company, the Bank, or any
Affiliate of the Company or the Bank by an order issued under Section 8(e) or Section 8(g) of the Federal Deposit Insurance Act
(12 U.S.C. &sect; 1818(e) and (g)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the context of the termination
of this Agreement by the Employee:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a material reduction,
when considered in the aggregate, in the scope of the Employee's duties and responsibilities, which (A) is not consented to by
the Employee in writing, or (B) does not occur within the 12 months following either the Merger or the merger of the Bank and Cornerstone;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a material reduction,
when considered in the aggregate, in the salary and other compensation and benefits provided for in Section 4 hereof from the level
in effect immediately prior to such reduction, which is not consented to by the Employee in writing; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a change in the
location of the Employee's primary office such that the Employee is required to report regularly to an office located outside of
a radius of 75 miles from the location of the Employee's primary office as of the date of such change in location, which change
is not consented to by the Employee in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Change
of Control</U>&quot; shall mean:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the acquisition
by any person or persons acting in concert (other than any officer(s), director(s), and/or shareholder(s) of the Company or any
Affiliate of the Company), in a single transaction or series of related transactions, of 50% or more of the outstanding voting
securities of the Company entitled to vote in the election xa reorganization, merger, or consolidation to which the Company is
a party with respect to which persons who were shareholders of the Company immediately prior to such reorganization, merger, or
consolidation do not immediately thereafter own more than 50% of the combined voting power of the reorganized, merged, or consolidated
company's then outstanding voting securities entitled to vote in the election of directors; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the sale, transfer,
or assignment by the Company of all or substantially all of the assets of the Company and its subsidiaries to any third party (excluding,
however, any pledge by the Company of the capital stock of any subsidiary of the Company to secure indebtedness of the Company
or for other general corporate or commercial purposes).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">Notwithstanding the
foregoing, the Parties expressly acknowledge and agree that neither the Merger nor any merger of the Bank and Cornerstone (irrespective
of the surviving bank of such merger) shall constitute or give rise to a Change of Control for purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Code</U>&quot;
shall mean the Internal Revenue Code of 1986, as amended, and the rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Competing
Business</U>&quot; shall mean any person (other than an Affiliate of the Company or the Bank) that is conducting any business that
is the same or substantially the same as the Business of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Confidential
Information</U>&quot; means data and information relating to the business of the Company or the Bank or any Affiliate of the Company
or the Bank (which does not rise to the status of a Trade Secret) which is or has been disclosed to the Employee or of which the
Employee became aware as a consequence of or through the Employee's relationship with the Company or the Bank or any Affiliate
of the Company or the Bank and which has value to Company or the Bank or any Affiliate of the Company or the Bank and is not generally
known to its or their competitors. Confidential Information shall not include any data or information that has been voluntarily
disclosed to the public by the Company or the Bank or any Affiliate of the Company or the Bank (provided that no such public disclosure
shall be deemed to be voluntary when made without authorization by the Employee or any other employee of the Company or the Bank
or any Affiliate of the Company or the Bank) or that has been independently developed and disclosed by others or that otherwise
enters the public domain through lawful means.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Disability</U>&quot;
shall mean the inability of the Employee to perform each of the Employee's duties and responsibilities under this Agreement for
a period of more than 90 consecutive days; provided that the Parties agree that, to the extent necessary to comply with Section
409A of the Code, the definition of &quot;Disability&quot; shall be amended to the definition of disability required by Section
409A of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Employer
Information</U>&quot; shall mean, collectively, Confidential Information and Trade Secrets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Merger&quot;</U>
shall mean the merger of the Company with and into Cornerstone Bancshares, Inc. (&quot;Cornerstone Bancshares&quot;), a Tennessee
corporation, with and into the Company, as contemplated by that certain Agreement and Plan of Merger, by and among the Company,
the Bank, Cornerstone Bancshares, and Cornerstone, dated December 5, 2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Post-Termination
Period</U>&quot; shall mean a period of 12 months following the effective date of the termination of the Employee's employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Severance
Benefit</U>&quot; shall mean any post-termination benefit(s) to be paid by the Employer pursuant to <U>Section 5(a)(ii), Section
5(b)(i), or Section 6</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;<U>Trade
Secrets</U>&quot; shall mean information of the Company or the Bank or any Affiliate of the Company or the Bank, including, without
limitation, technical and nontechnical data, formulas, patterns, compilations, programs, devices, methods, techniques, drawings,
processes, financial data, financial plans, product plans, and lists of actual or potential customers, prospects, or suppliers,
which:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;derives economic
value, actual or potential, from not being generally known to, and not being readily ascertainable by proper means by, other persons
who can obtain economic value from its disclosure or use; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;is the subject
of efforts that are reasonable under the circumstances to maintain its secrecy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee Duties.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Position(s</I>).
The Employee will be employed as President and Chief Executive Officer of the Company and the Bank and shall perform and discharge
faithfully the duties and responsibilities which may be assigned to the Employee from time to time in connection with the conduct
of the Employer's business. The duties and responsibilities of the Employee shall be commensurate with those of individuals holding
similar positions at other banks similarly situated. The Employee will report directly to the Board of Directors, or such other
officer(s) as the Board of Directors may determine.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Full-Time Status.</I>
In addition to the duties and responsibilities specifically assigned to the Employee pursuant to <U>Section 2(a)</U> hereof, the
Employee shall:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;subject to Section
2(c) hereof, during regular business hours, devote substantially all of the Employee's time, energy, attention, and skill to the
performance of the duties and responsibilities of the Employee's employment (reasonable vacations, approved leaves of absence,
and reasonable absences due to illness excepted) and faithfully and industriously perform such duties and responsibilities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;diligently
follow and implement all reasonable and lawful policies and decisions communicated to the Employee; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;timely
prepare and forward to the requesting party or parties all reports and accountings as may be reasonably requested of the Employee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Permitted Activities</I>.
The Employee shall devote substantially all of the Employee's entire business time, attention, and energies to the Business of
the Employer and shall not, during the Term, be engaged (whether or not during normal business hours) in any other significant
'business or professional activity, whether or not such activity is pursued for gain, profit, or other pecuniary advantage, but
as long as the following activities do not interfere with the Employee's obligations to the Employer, this shall not be construed
as preventing the Employee from:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investing
the Employee's personal assets in any manner which will not require any services on the part of the Employee in the operations
or affairs of the subject person and in which the Employee's participation is solely that of an investor; provided that such investment
activity following the Effective Date shall not result in the Employee owning, beneficially or of record, at any time 2% or more
of the equity securities of any Competing Business; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;participating
in civic and professional affairs and organizations and conferences, preparing or publishing papers or books, or teaching, so long
as any such activities do not interfere with the ability of the Employee to effectively discharge the Employee's duties and responsibilities
hereunder; provided that the Board of Directors may direct the Employee in writing to resign from any such organization and/or
cease any such activities in the event the Board of Directors reasonably determines that continued membership and/or activities
of the type identified would not be in the best interests of the Employer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Term of Employment.</U>
The initial term of this Agreement (the &quot;<U>Initial Term</U>&quot;), and the Parties' employment relationship, shall commence
on and as of the Effective Date and, unless this Agreement is sooner terminated in accordance with its terms, shall end on the
date which is the third anniversary of the Effective Date. At the end of the Initial Term (and at the end of any one-year renewal
term), this Agreement will automatically renew for an additional, successive term of one year, unless the Employer or the Employee
gives the other written notice of its intent to terminate this Agreement as of the end of the Initial Term (or as of the end of
the then-current renewal term) at least 60 days prior to the end of the Initial Term (or then-current renewal term). The Initial
Term and any and all renewal terms, if any, are referred to together herein as the &quot;Term.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compensation</U>.
The Employer shall compensate the Employee as follows during the Employee's period of employment hereunder, except as otherwise
provided below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Annual Base
Salary.</I> The Employee shall be compensated at an annual base rate of $300,000.00 per year (the &quot;<U>Annual Base Salary</U>&quot;).
The Employee's Annual Base Salary will be reviewed by the compensation committee of the Board of Directors at least annually (in
accordance with the committee's charter and any procedures adopted by the committee) for adjustments based on an evaluation of
the Employee's performance. The Employee's Annual Base Salary shall be payable in accordance with the Employer's normal payroll
practices.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Annual Incentive
Compensation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Employee
shall be eligible to receive annual bonus compensation as determined by, and based on performance measures established by, the
Board of Directors (upon recommendation by the compensation committee) consistent with the strategic plan(s) of the Employer pursuant
to any incentive compensation program that may be adopted from time to time by the Board of Directors (an &quot;Annual Bonus&quot;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any Annual
Bonus earned shall be payable in cash in the first calendar quarter of the year following the year in which the Annual Bonus is
earned, in accordance with the Employer's normal practices for the payment of short-term incentives. The payment of any Annual
Bonus shall be subject to any approvals or non-objections required by any regulator of the Company or the Bank or any Affiliate
of the Company or the Bank, and it is understood by the Patties that the Employee may not be eligible to receive any such Annual
Bonus or other short-term incentive compensation if the Company or the Bank or any Affiliate of the Company or the Bank is subject
to restrictions imposed on the Company or the Bank or any such Affiliate by the United States Department of the Treasury, the Board
of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, the Tennessee Department of Financial Institutions,
or any other bank or bank holding company regulatory authority, or if the Employer is otherwise restricted from making payment
of such compensation under applicable law.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Reimbursement
of Business Expenses</I>. Subject to the reimbursement policies from time to time adopted by the Board of Directors, and consistent
with the annual budget approved for the period during which an expense is incurred, the Employer will reimburse the Employee for
reasonable and necessary business expenses incurred by the Employee in the performance of the Employee's duties and responsibilities
hereunder; provided, however, that, as a condition to any such reimbursement, the Employee shall submit verification of the nature
and amount of such expenses in accordance with said reimbursement policies. Examples of appropriate categories of reimbursable
expenses include memberships in professional and civic organizations, professional development, and customer entertainment. The
Employee acknowledges that the Employer makes no representation with respect to the taxability or non-taxability of the benefits
provided under this Section 4(c).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Automobile</I>.
The Bank will provide the Employee an automobile satisfactory to the Employee and the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Cellular Telephone</I>.
The Bank will provide the Employee with a Bank-owned cellular telephone for use by the Employee in the course of the Employee's
employment and for Employer-related business.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Annual Allowance</I>.
The Bank will provide the Employee with an annual allowance in the amount of $25,000.00, or $2,083.33 per month, for the purpose
of payment of club dues.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Paid Leave</I>.
On a non-cumulative basis, the Employee shall be entitled to 20 days of paid leave per calendar year, prorated for any partial
calendar year of service. The provisions of this <U>Section 4(e)</U> shall apply, notwithstanding any less generous paid leave
policy then maintained by the Employer, but the use of Employee's paid leave shall otherwise be in accordance with and subject
to the Employer's paid leave policy as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Other Benefits</I>.
In addition to the benefits specifically described in this Agreement, the Employee shall be entitled to such benefits as may be
available from time to time to similarly situated employees of the Employer, including, by way of example only, retirement plan
and health, dental, life, and disability insurance benefits. All such benefits shall be awarded and administered in accordance
with the written terms of any applicable benefit plan or, if no written terms exist, the Employer's standard policies and practices
relating to such benefits.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Reimbursement
of Expenses; In-Kind Benefits</I>. All expenses eligible for reimbursement described in this Agreement must be incurred by the
Employee during the Term of this Agreement to be eligible for reimbursement. Any in-kind benefits provided by the Employer must
be provided during the Term of this Agreement. The amount of reimbursable expenses incurred, and the amount of any in-kind benefits
provided, in one taxable year shall not affect the expenses eligible for reimbursement, or in-kind benefits provided, in any other
taxable year. Each category of reimbursement shall be paid as soon as administratively practicable, but in no event shall any such
reimbursement be paid after the last day of the calendar year following the calendar year in which the expense was incurred. Neither
rights to reimbursement nor in-kind benefits shall be subject to liquidation or exchange for other benefits.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Clawback of
Compensation</I>. The Employee agrees to return or repay any compensation previously paid or otherwise made available to the Employee
that is subject to recovery under any applicable law, rule, or regulation (including any rule of any exchange or service on or
through which the securities of the Company or any Affiliate of the Company are traded) where such compensation was in excess of
what should have been paid or made available because the determination of the amount due was based, in whole or in part, on materially
inaccurate financial information of the Employer. The Employee agrees to return or repay promptly any such compensation identified
by the Employer. If the Employee fails to return or repay such compensation promptly, the Employee agrees that the amount of such
compensation may be deducted from any and all other compensation owed to the Employee. The Employee acknowledges that the Employer
may take appropriate disciplinary action (up to and including termination of employment) if the Employee fails to return or repay
such compensation. The provisions of this <U>Section 4(h)</U> shall be modified to the extent, and remain in effect for the period,
required by applicable law, rule, or regulation.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
of Employment.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination
by Employer</I>. During the Term, the Employee's employment, and this Agreement, may be terminated by the Employer:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for Cause, upon
written notice to the Employee approved by two-thirds of the members of the Board of Directors, in which event the Employee shall
not be entitled to any post-termination compensation or benefits;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;at any time
without Cause (<I>provided</I> that the Bank shall give the Employee at least 30 days prior written notice of the Employer's intent
to terminate), in which event the Employer shall (1) be required to pay to the Employee a severance benefit equal to one times
the Employee's Annual Base Salary as of the date of termination, said benefit to be payable over the course of the 12-month period
following termination in accordance with the Employer's normal payroll practices, and (2) reimburse the Employee for the reasonable
cost of premium payments paid by the Employee to continue the Employee's then-existing health insurance for himself as provided
by the Employer for the lesser of (A) 12 months following termination and (B) until such time as the Employee obtains other employment
providing health insurance coverage, <I>provided</I> that the Employer may discontinue reimbursing the Employee for such premium
payments for the applicable time period and instead provide a cash payment to the Employee (for the Employee to use as the Employee
deems appropriate) equal to the amount of the remainder of such reimbursable premium payments in the event that the Employer determines
that continued reimbursement of premium payments would cause a violation of applicable nondiscrimination rules (for the avoidance
of doubt, the termination of the Employee's employment by the Employer upon the disability of the Employee under <U>Section 5(a)(iii)</U>
below shall not be considered or deemed termination of the Employee's employment without Cause under this Section 5(a)(ii)); or</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;at any time
upon the Disability of the Employee (provided that the Employer shall give the Employee at least 30 days prior written notice of
the Employer's intent to terminate), in which event the Employee will be entitled to such benefits (if any) as may be available
to the Employee under the Employer's disability insurance policy or policies (if any) then in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination
by Employee</I>. During the Term, the Employee's employment, and this Agreement, may be terminated by the Employee:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for Cause, in
which event the Employer shall (1) be required to pay to the Employee a severance benefit equal to (A) if termination is for Cause
as defined in Section 1(f)(ii)(1) or Section 1(f)(ii)(3), one times the Employee's Annual Base Salary as of the date of termination,
said benefit to be payable over the course of the 12-month period following termination in accordance with the Employer's normal
payroll practices, or (B) if termination is for Cause as defined in Section 1(f)(ii)(2), one times the Employee's Annual Base Salary
immediately before the reduction in salary and other compensation and benefits giving rise to termination, said benefit to be payable
over the course of the 12-month period following termination in accordance with the Employer's normal payroll practices, and (2)
reimburse the Employee for the reasonable cost of premium payments paid by the Employee to continue the Employee's then-existing
health insurance for himself as provided by the Employer for the lesser of (A) 12 months following termination and (B) until such
time as the Employee obtains other employment providing health insurance coverage, provided that the Employer may discontinue reimbursing
the Employee for such premium payments for the applicable time period and instead provide a cash payment to the Employee (for the
Employee to use as the Employee deems appropriate) equal to the amount of the remainder of such reimbursable premium payments in
the event that the Employer determines that continued reimbursement of premium payments would cause a violation of applicable nondiscrimination
rules; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;at any time
without Cause or upon the Disability of the Employee (<I>provided</I> that the Employee shall give the Employer at least 60 days
prior written notice of the Employee's intent to terminate), in which event the Employee shall not be entitled to any post-termination
compensation or benefits other than such benefits (if any) as may be available to the Employee under the Employer's disability
insurance policy or policies (if any) then in effect.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination
by MatualAgreement</I>. During the Term, the Employee's employment, and this Agreement, may be terminated at any time by mutual,
written agreement of the Parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination
Upon Death</I>. The Employee's employment, and this Agreement, shall terminate automatically upon the death of the Employee.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Effect of Termination;
Resignation.</I> Upon the termination of the Employee's employment hereunder, the Employer shall have no further obligations to
the Employee or the Employee's estate, heirs, beneficiaries, executors, administrators, or legal or personal representatives with
respect to this Agreement, except for the payment of any amounts earned and owing under <U>Sections 4(a)- 4(c</U>) hereof as of
the effective date of the termination of the Employee's employment and any payment(s) required by <U>Section 5(a)(ii),</U> <U>Section
5(b)(i),</U> or Section 6 of this Agreement. Further, upon the termination of the Employee's employment, if the Employee is a member
of the Board of Directors or the board of directors of any Affiliate of the Employer, the Employee shall, at the request of the
Employer, resign from his position(s) on such board(s), with any and all such resignations to be effective not later than the date
on which the Employee's employment is terminated.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Change of
Control.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If, within 12
months following a Change of Control, the Employer (or any successor of or to the Employer) terminates the Employee's employment
without Cause, the Employee (or in the event of the Employee's subsequent death the Employee's estate or designated beneficiary
or beneficiaries, as the case may be) shall receive, as liquidated damages, in lieu of all other claims, a severance payment equal
to two times the Employee's Annual Base Salary as of the date of termination, such amount to be paid in full in one lump sum payment
on the last day of the month following the date of termination of the Employee's employment. Additionally, the Employee will continue
to receive the health insurance plan benefits then in effect for employees of the Employer for the lesser of (i) 12 months following
termination and (ii) until such time as the Employee obtains other employment providing health insurance plan benefits, to include
payment of any Bank-funded portion of the plan; <I>provided, however</I>, that the Employer may discontinue paying insurer(s) COBRA
premiums for health insurance coverage for the applicable time period and instead provide a cash payment to the Employee (for the
Employee to use as the Employee deems appropriate) equal to the amount of the remainder of such COBRA premiums in the event that
the Employer determines that continued provision of a COBRA subsidy would cause a violation of applicable nondiscrimination rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If, within 12
months following a Change of Control, the Employee terminates the Employee's employment with the Employer (or any successor of
or to the Company or the Bank) for Cause, the Employee (or in the event of the Employee's subsequent death the Employee's estate
or designated beneficiary or beneficiaries, as the case may be) shall receive, as liquidated damages, in lieu of all other claims,
a severance payment equal to (i) if termination is for Cause as defined in <U>Section l(f)(ii)(1)</U> or <U>Section 1(f)(ii)(3),</U>
two times the Employee's Annual Base Salary as of the date of termination, such amount to be paid in full in one lump sum payment
on the last day of the month following the date of termination of the Employee's employment, or (ii) if termination is for Cause
as defined in <U>Section l(f)(ii)(2),</U> two times the Employee's Annual Base Salary immediately before the reduction in salary
and other compensation and benefits giving rise to termination, such amount to be paid in full in one lump sum payment on the last
day of the month following the date of termination of the Employee's employment. Additionally, the Employee will continue to receive
the health insurance plan benefits then in effect for employees of the Employer for the lesser of (i) 12 months following termination
and (ii) until such time as the Employee obtains other employment providing health insurance plan benefits, to include payment
of any Bank-funded portion of the plan; <I>provided, however</I>, that the Employer may discontinue paying insurer(s) COBRA premiums
for health insurance coverage for the applicable time period and instead provide a cash payment to the Employee (for the Employee
to use as the Employee deems appropriate) equal to the amount of the remainder of such COBRA premiums in the event that the Employer
determines that continued provision of a COBRA subsidy would cause a violation of applicable nondiscrimination rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employer Information.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Ownership of
Employer Information</I>. All Employer Information received or developed by the Employee or by the Company or the Bank or any Affiliate
of the Company or the Bank while the Employee is employed by the Employer shall be and will remain the sole and exclusive property
of the Company or the Bank or such Affiliate, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Obligations
of the Employee</I>. The Employee agrees:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to hold all
Employer Information in strictest confidence;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to not use,
duplicate, reproduce, distribute, disclose, or otherwise disseminate Employer Information or any physical embodiments of Employer
Information to any unauthorized recipient; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;in any event,
to not take any action causing any Employer Information to lose its character or cease to qualify as, and to not fail to take any
action necessary in order to prevent any Employer Information from losing its character or ceasing to qualify as, Confidential
Information or a Trade Secret; provided, however, that none of the foregoing obligations shall preclude the Employee from making
any disclosures of Employer Information which the Employee has been advised in writing by independent legal counsel are required
by applicable law, rule, or regulation. This Section 7 shall survive for a period of two years following the termination of this
Agreement for any reason with respect to Confidential Information, and shall survive the termination of this Agreement for any
reason for so long as is permitted by applicable law with respect to Trade Secrets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery Upon
Request or Termination.</I> Upon the request of the Employer, and in any event upon the termination of the Employee's employment
with the Employer, the Employee will promptly deliver to the Employer all property belonging to the Employer, including, without
limitation, all Employer Information then in the Employee's possession or control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Competition&bull;
Non-Solicitation; Non-Disparagement.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&#9;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Non-Competition.</I>
The Employee agrees that during the period of the Employee's employment by the Employer hereunder and, in the event of the termination
of the Employee's employment, for the period of time in which the Employee is entitled to receive any Severance Benefit, the Employee
will not (except on behalf of or with the prior written consent of the Employer):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;within the Area,
either directly or indirectly, on the Employee's own behalf or in the service of or on behalf of others, engage in any business,
activity, enterprise, or venture competitive with the Business of the Employer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;within the
Area, either directly or indirectly, perform for any Competing Business any services that are the same as, or substantially the
same as, the services the Employee provides or provided for the Employer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;within the
Area, accept employment with or be employed by any person engaged in any business, activity, enterprise, or venture competitive
with the Business of the Employer; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;work for or
with, consult for, or otherwise be affiliated with, in either a paid or unpaid capacity, or be employed by any person or group
of persons proposing to establish a new bank or other financial institution within the Area.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Non-Solicitation
of Customers</I>. The Employee agrees that, during the period of the Employee's employment by the Employer hereunder and, in the
event of the termination of the Employee's employment for any reason, for the duration of the Post-Termination Period, the Employee
will not, directly or indirectly (except on behalf of or with the prior written consent of the Employer), on the Employee's own
behalf or in the service of or on behalf of others, solicit, divert, or appropriate, or attempt to solicit, divert, or appropriate,
any business from any of the customer of the Company, the Bank, or any Affiliate of the Company or the Bank, including prospective
customers actively sought by the Company, the Bank, or any Affiliate of the Company or the Bank, with whom the Employee has or
had contact during the last two years of the Employee's employment with the Employer, for purposes of selling, offering, or providing
products or services that are competitive with those sold, offered, or provided by the Company, the Bank, or any Affiliate of the
Company or the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Non-Solicitation
of Employees</I>. The Employee agrees that, during the period of the Employee's employment by the Employer hereunder and, in the
event of the termination of the Employee's employment for any reason, for the duration of the Post-Termination Period, the Employee
will not, directly or indirectly (except on behalf of or with the prior written consent of the Employer), on the Employee's own
behalf or in the service of or on behalf of others, solicit, recruit, or hire away, or attempt to solicit, recruit, or hire away,
any employee of the Company, the Bank, or any Affiliate of the Company or the Bank with whom the Employee had contact during the
last two years of the Employee's employment with the Employer, regardless of whether such employee is a full-time, part-time, or
temporary employee of the Company, the Bank, such an Affiliate of the Company or the Bank or such employee's employment is pursuant
to a written agreement, for a determined period, or at will.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Non-Disparagement.</I>
The Employee agrees that, during the period of the Employee's employment by the Employer hereunder and for a period of two years
thereafter, the Employee will not make any untruthful statement (written or oral) that is or could reasonably be perceived as disparaging
to the Company, the Bank, or any Affiliate of the Company or the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Modification.</I>
The Parties agree that the provisions of this Agreement represent a reasonable balancing of their respective interests and have
attempted to limit the restrictions imposed on the Employee to those necessary to protect the Employer from inevitable disclosure
of Confidential Information and Trade Secrets and/or unfair competition. The Patties agree that, if the scope or enforceability
of this Agreement is in any way disputed at any time and an arbitrator, court, or other trier of fact determines that the scope
of the restrictions contained in this Agreement is overbroad, then such arbitrator, court, or other trier of fact may modify the
scope of the restrictions contained in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Tolling.</I>
The Employee agrees that, in the event the Employee breaches this Section 8, the Post-Termination Period shall be tolled during
the period of such breach and shall be extended to 12 months after all breaches of this Agreement have ceased.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Remedies.</I>
The Employee agrees that the covenants contained in <U>Section 7 and</U> <U>Section 8</U> of this Agreement are of the essence
of this Agreement; that each of such covenants is reasonable and necessary to protect the business, interests, and properties of
the Employer and its Affiliates; and that irreparable loss and damage will be suffered by the Employer should the Employee breach
any of such covenants. Therefore, the Employee agrees and consents that, in addition to any and all other remedies provided by
or available at law or in equity, the Employer shall be entitled to a temporary restraining order and temporary and permanent injunctions
to prevent a breach or threatened or contemplated breach of any of the covenants contained in <U>Section 7</U> or <U>Section 8</U>
of this Agreement, andthat, in such event, the Employer shall not be required to post a bond. The Employer and the Employee agree
that all remedies available to the Employer shall be cumulative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Severability.</I>
The Parties agree that each of the provisions included in this Agreement is separate, distinct, and severable from the other provisions
of this Agreement and that the invalidity or unenforceability of any provision of this Agreement shall not affect the validity
or enforceability of any other provision of this Agreement. Further, if any provision of this Agreement is ruled invalid or unenforceable
by a court of competent jurisdiction because of a conflict between the provision and any applicable law, rule, regulation, or public
policy, the provision shall be redrawn to make the provision consistent with, and valid and enforceable under, such law, rule,
regulation, or public policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>No Set-Off
by Employee.</I> The existence of any claim, demand, action, or cause of action by the Employee against the Company, the Bank,
or any Affiliate of the Company or the Bank, whether predicated upon this Agreement or otherwise, shall not constitute a defense
to the enforcement by the Employer of any of the Employer's rights hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Notices.</I>
All notices, requests, waivers, and other communications required or permitted hereunder shall be in writing and shall be either
personally delivered; sent by national overnight courier service, postage prepaid, next-business-day delivery guaranteed; or mailed
by first class United States Mail, postage prepaid return receipt requested, to the recipient at the address below indicated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%">If to the Employer:</TD>
    <TD STYLE="width: 60%">SmartFinancial, Inc.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>SmartBank</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Attention: President &amp; Chief Executive Officer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>5401 Kingston Pike</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Suite 600</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Knoxville, Tennessee 37919</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>If to the Employee:</TD>
    <TD>William Y. Carroll, Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>119 Swans Ferry Road</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Sevierville, Tennessee 37876</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or to such other address or to the attention
of such other person as the recipient Party shall have specified by prior written notice to the sending Party. All such notices,
requests, waivers, and other communications shall be deemed to have been effectively given: (a) when personally delivered to the
Party to be notified; (b) two business days after deposit with a national overnight courier service, postage prepaid, addressed
to the Party to be notified as set forth above with next-business-day delivery guaranteed; or (c) four business days after deposit
in the United States Mail, first class, postage prepaid with return receipt requested, at any time other than during a general
discontinuance of postal service due to strike, lockout, or otherwise (in which case such notice, request, waiver, or other communication
shall be effectively given upon receipt), and addressed to the Party to be notified as set forth above. A Party may change such
Party's notice address set forth above by giving the other Party 10 days written notice of the new address in the manner set forth
above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Assignment.</I>
The rights and obligations of the Company and the Bank under this Agreement shall inure to the benefit of and shall be binding
upon the successors and assigns of the Company and the Bank, including, without limitation, a purchaser of all or substantially
all of the assets of the Company or the Bank. If this Agreement is assigned pursuant to the foregoing sentence, the assignment
shall be by novation, and the assigning Party shall have no further liability hereunder, and the successor or assign shall become
the &quot;Company&quot; or the &quot;Bank,&quot; as applicable, hereunder, but the Employee will not be deemed to have experienced
a termination of employment by virtue of such assignment. Without limiting the generality of the foregoing, the Parties expressly
acknowledge and agree that, in the event of any merger of the Company with and into Cornerstone, Cornerstone as the surviving company
of such merger will, as successor by merger to the Company, succeed to all rights and obligations of the Company hereunder, without
any further action by the Parties, and that at and after the effective time of such merger, all references in this Agreement to
the &quot;Company&quot; shall be references to Cornerstone as successor by merger to the Company. This Agreement is a personal
contract and the rights and interest of the Employee may not be assigned by the Employee. This Agreement shall inure to the benefit
of and be enforceable by the Employee and the Employee's personal or legal representatives, executors, administrators, successors,
heirs, distributees, devisees, and legatees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Waiver.</I>
A waiver by one Party to this Agreement of any provision of this Agreement or of any breach of this Agreement by any other Party
to this Agreement shall not be effective unless in writing, and no waiver shall operate or be construed as a waiver of the same
or any other provision or breach on any other or subsequent occasion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Mediation.</I>
Except with respect to <U>Section 7</U>, <U>Section 8,</U> and <U>Section 22</U> hereof, and except as provided in <U>Section 15</U>
hereof, in the event of any dispute arising out of or relating to this Agreement, or a breach hereof, which dispute cannot be settled
through direct discussions between the Parties, the Parties agree to first endeavor to settle the dispute in an amicable manner
by non-binding mediation in accordance with the rules of alternative dispute resolution of the State of Tennessee for the judicial
circuit containing Knox County, Tennessee before resorting to any other process for resolving the dispute.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Applicable
Law and Choice of Forum</U>. This Agreement shall be governed by and construed and enforced under and in accordance with the laws
of the State of Tennessee, without regard to or the application of principles of conflicts of laws. The Parties agree that any
legal action or proceeding arising under or relating to this Agreement shall be brought in a state court of record located in Knox
County, Tennessee, or, in the event (but only in the event) that no such state court has subject matter jurisdiction over such
action or proceeding, in the United States District Court for the Eastern District of Tennessee, which courts shall have exclusive
jurisdiction over any such action or proceeding. Each Party consents to, and waives any objection such Party may otherwise have
to, the jurisdiction and venue of such courts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interpretation.</U>
Words used herein importing any gender include all genders. Words used herein importing the singular shall include the plural and
vice versa. When used herein, the terms &quot;herein,&quot; &quot;hereunder,&quot; &quot;hereby,&quot; &quot;hereto,&quot; and
&quot;hereof,&quot; and any similar terms, refer to this Agreement. When used herein, the term &quot;person&quot; shall include
an individual, a corporation, a limited liability company, a partnership, an association, a trust, and any other entity or organization,
whether or not incorporated. Any captions, titles, or headings preceding the text of any section or subsection of this Agreement
are solely for convenience of reference and shall not constitute part of this Agreement or affect its meaning, construction, or
effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire Agreement.</U>
This Agreement embodies the entire, final, and integrated agreement of the Parties on the subject matter stated in this Agreement.
No amendment or supplement to or modification of this Agreement shall be valid or binding upon the Employer or the Employee unless
made in a writing signed by all of the Parties. All prior understandings and agreements relating to the subject matter of this
Agreement are hereby expressly terminated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.
This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which together shall be deemed
to be one and the same agreement. A signed copy of this Agreement delivered by facsimile, e-mail, or other means of electronic
transmission shall be deemed to have the same legal effect as delivery of an original signed copy of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">19.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rights of
Third Parties</U>. Nothing herein expressed is intended to or shall be construed to confer upon or give to any person, other than
the Parties hereto and their successors and permitted assigns, any rights or remedies under or by reason of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">20.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Legal Fees</U>.
In the event of any claim, action, suit, or proceeding arising out of or in any way relating to this Agreement, the prevailing
Party or Parties shall be entitled to recover from the non-prevailing Party or Parties all reasonable fees, expenses, and disbursements,
including, without limitation, reasonable attorneys' fees and court costs, incurred by such prevailing Party or Parties in connection
with such claim, action, suit, or proceeding, in addition to any other relief to which such prevailing Party or Parties may be
entitled at law or in equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">21.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Survival</U>.
The obligations of the Parties pursuant to <U>Sections 4(h), 7, 8, 14, 15, 20, 21, 23, 24, 25, 26, and 27</U> shall survive the
expiration and/or termination of this Agreement and/or the termination of the Employee's employment hereunder for the periods expressly
designated under such sections or, if no such period is designed, for the maximum period permissible under applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">22.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representation
Regarding Restrictive Covenants.</U> The Employee represents that the Employee is not and will not become a party to any non-competition
or non-solicitation agreement or any other agreement which would prohibit the Employee from entering into this Agreement or providing
the services for the Employer contemplated by this Agreement on or after the Effective Date. In the event the Employee is subject
to any such agreement, this Agreement shall be rendered null and void and the Employer shall have no obligations to the Employee
under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">23.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Right to
Contact.</U> The Employee acknowledges and agrees that the Employer shall retain and have the right to contact any new employer
or potential employer (or other business) and apprise such person of the Employee's responsibilities and obligations owed under
this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">24.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 409A</U>.
It is the intent of the Parties for any payment to which the Employee is entitled under this Agreement to be exempt from Section
409A of the Code to the maximum extent permitted under Section 409A of the Code. However, if any amounts payable are considered
to be &quot;nonqualified deferred compensation&quot; subject to Section 409A of the Code, such amounts shall be paid and provided
in a manner that, and at such time and in such form as, complies with the applicable requirements of Section 409A of the Code to
avoid the unfavorable tax consequences provided therein for non-compliance. Neither the Employee nor the Employer shall intentionally
take any action to accelerate or delay the payment of any amounts in any manner which would not be in compliance with Section 409A
of the Code without the consent of the other Party. For purposes of this Agreement, all rights to payments shall be treated as
rights to receive a series of separate payments to the fullest extent allowed by Section 409A of the Code. To the extent that some
portion of the payments provided for under this Agreement may be bifurcated and treated as exempt from Section 409A of the Code
under the &quot;short-term deferral&quot; or &quot;separation pay&quot; exemptions, then such amounts may be so treated as exempt
from Section 409A of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">25.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax Matters.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Withholding
of Taxes.</I> The Employer may deduct and withhold from any amounts payable under this Agreement all federal, state, city, or other
taxes the Employer is required to deduct or withhold pursuant to applicable law, rule, regulation, or ruling.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><I>&nbsp;</I></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><I>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Excise Taxes.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event
that any amounts payable under this Agreement or otherwise to the Employee would (1) constitute &quot;parachute payments&quot;
within the meaning of Section 280G of the Code or any comparable successor provision and (2) but for this Section 25(b), be subject
to the excise tax imposed by Section 4999 of the Code or any comparable successor provision (the &quot;<U>Excise Tax&quot;),</U>
then such amounts payable to the Employee shall be either (y) provided to the Employee in full or (z) provided to the Employee
to the maximum extent that would result in no portion of such benefits being subject to the Excise Tax, whichever of the foregoing
amounts, when taking into account applicable federal, state, local, and foreign income and employment taxes, the Excise Tax, and
any other applicable taxes, results in the Employee's receipt, on an after-tax basis, of the greatest amount of benefits, notwithstanding
that all or some portion of such benefits may be taxable under the Excise Tax. Unless the Employer and the Employee otherwise agree
in writing, any determination required under this <U>Section 25(b)</U> shall be made in writing in good faith by the Employer's
independent accounting firm (the &quot;<U>Independent Accountants</U>&quot;). In the event of a reduction in benefits hereunder,
the reduction of the total payments shall apply as follows, unless otherwise agreed in writing and such agreement is in compliance
with Section 409A of the Code: (I) any cash severance payments subject to Section 409A of the Code due under this Agreement shall
be reduced, with the last such payment due first forfeited and reduced, and sequentially thereafter working from the next last
payment; (2) any cash severance payments not subject to Section 409A of the Code due under this Agreement shall be reduced, with
the last such payment due first forfeited and reduced, and sequentially thereafter working from the next last payment; (3) any
acceleration of vesting of any equity subject to Section 409A of the Code shall remain as originally scheduled to vest, with the
tranche that would vest last (without any such acceleration) first remaining as originally scheduled to vest; and (4) ally acceleration
of vesting of any equity not subject to Section 409A of the Code shall remain as originally scheduled to vest, with the tranche
that would vest last (without any such acceleration) first remaining as originally scheduled to vest. For purposes of making the
calculations required by this <U>Section 25(b),</U> the Independent Accountants may make reasonable assumptions and approximations
concerning applicable taxes and may rely on reasonable, good-faith interpretations concerning the application of the Code and other
applicable legal authority. The Employer and the Employee shall furnish to the Independent Accountants such information and documents
as the Independent Accountants may reasonably request in order to make a determination under this <U>Section 25(b).</U> The Employer
shall bear all costs that the Independent Accountants may reasonably incur in connection with any calculations contemplated by
this <U>Section 25(b).</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If notwithstanding
any reductions described in this Section 25(b) the Internal Revenue Service (the &quot;IRS&quot;) determines that the Employee
is liable for the Excise Tax as a result of the receipt of amounts payable under this Agreement or otherwise as described above,
then the Employee shall be obligated to pay back to the Employer, within 30 days after a final IRS determination or, in the event
that the Employee challenges the final IRS determination, a final judicial determination, a portion of such amounts equal to the
Repayment Amount. The &quot;Repayment Amount,&quot; with respect to the payment of benefits, shall be the smallest such amount,
if any, that is required to be paid to the Employer so that the Employee's net after-tax proceeds with respect to any payment of
benefits (after taking into account the payment of the Excise Tax and all other applicable taxes imposed on such payment) are maximized.
The Repayment Amount with respect to the payment of benefits shall be zero if a Repayment Amount of more than zero would not result
in the Employee's net after-tax proceeds with respect to the payment of such benefits being maximized. If the Excise Tax is not
eliminated pursuant to this Section 25(b), the Employee shall pay the Excise Tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
any other provision of this <U>Section 25(b)</U> if (I) there is a reduction in the payment of benefits as described in this <U>Section
25(b),</U> (2) the IRS later determines that the Employee is liable for the Excise Tax, the payment of which would result in the
maximization of the Employee's net after-tax proceeds (calculated as if the Employee's benefits had not previously been reduced),
and (3) the Employee pays the Excise Tax, then the Employer shall pay to the Employee those benefits which were reduced pursuant
to this <U>Section 25(b)</U> as soon as administratively possible after the Employee pays the Excise Tax, so that the Employee's
net after-tax proceeds with respect to the payment of benefits are maximized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">26.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Restrictions</U>. The Parties expressly acknowledge and agree that (a) any and all payments contemplated by this Agreement are
subject to and conditioned upon their compliance with 12 U.S.C. &sect; 1828(k) and 12 C.F.R. Part 359, as such laws and regulations
may be amended from time to time, and (b) the obligations of the Parties under this Agreement are generally subject to such conditions,
restrictions, and limitations as may be imposed from time to time by applicable state and/or federal banking laws, rules, and regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">27.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Nature of
Employer Obligations</U>: The obligations of the Company and the Bank hereunder shall be joint and several.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">28.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect on
Prior Agreements and Existing Benefits Plans.</U> This Agreement contains the entire understanding between the Parties and supersedes
&bull; any prior employment agreement, whether written or oral, between the Company, the Bank, and the Employee. This Agreement
shall not affect or operate to reduce any benefit or compensation inuring to the Employee of a kind elsewhere provided, and no
provision of this Agreement shall be interpreted to mean that the Employee is subject to receiving fewer benefits than those available
to the Employee without reference to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>(Signature Page Follows)</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><I>IN WITNESS WHEREOF,</I>
the Parties have executed and delivered this Agreement as of the date first written above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 51%">BANK:</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 42%">SMARTBANK</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ <I>William Y. Carroll, Sr.</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>William Y. Carroll, Sr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Chairman of the Board</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>COMPANY:</TD>
    <TD>&nbsp;</TD>
    <TD>SMARTFINANCIAL, INC.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><I>/s/ William Y. Carroll, Sr</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>William Y. Carroll, Sr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Chairman of the Board</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>EMPLOYEE:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><I>/s/ William Y. Carroll, Jr.</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>William Y. Carroll, Jr.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>(Signature Page to Carroll, Jr Employment
Agreement)</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>



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<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>12
<FILENAME>v419670_ex10-3.htm
<DESCRIPTION>EXHIBIT 10.3
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.3</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">EMPLOYMENT
AGREEMENT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS EMPLOYMENT AGREEMENT
is made and entered into as of February 1, 2015 (the &ldquo;<U>Effective Date</U>&rdquo;), by and among SmartFinancial, Inc., a
Tennessee corporation and registered bank holding company (the &ldquo;<U>Company</U>&rdquo;); SmartBank, a banking corporation
organized under the laws of the State of Tennessee (the &ldquo;Bank,&rdquo; and together with the Company, collectively, the &ldquo;<U>Employer</U>&rdquo;);
and William Y. Carroll, Sr., a resident of the State of Tennessee (the &ldquo;<U>Employee</U>&rdquo;). The Company, the Bank, and
the Employee are sometimes referred to herein collectively as the &ldquo;<U>Parties</U>,&rdquo; and each is sometimes referred
to herein individually as a &ldquo;<U>Party</U>.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>RECITALS </U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Employer desires to employ the Employee as the Vice Chairman of the Company, and Chairman and Director of Business Development
of the Bank, and the Employee desires to accept such employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Parties desire to set forth in this Agreement the terms and conditions upon which the Employee will be so employed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>AGREEMENT</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In consideration of
the premises set forth above, the mutual agreements hereinafter set forth, and other good and valuable consideration, the receipt
and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Definitions</U>.
When used in this Agreement, the following terms and their variant forms shall have the meanings set forth below:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Affiliate</U>&rdquo;
shall mean any person that controls, is controlled by, or is under common control with another person. For this purpose, &ldquo;control&rdquo;
means ownership of more than 50% of the ordinary voting power of the outstanding equity securities of a person. For the avoidance
of doubt, it is expressly acknowledged that, following the Merger, the Bank and Cornerstone Community Bank, a banking corporation
organized under the laws of the State of Tennessee (&ldquo;<U>Cornerstone</U>&rdquo;), will be Affiliates for purposes of this
Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Agreement</U>&rdquo;
shall mean this Employment Agreement and any appendices incorporated herein together with any amendments hereto made in the manner
described in this Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Area</U>&rdquo;
shall mean, during the period of the Employee&rsquo;s employment, a radius of 75 miles from each banking office (whether a main
office, branch office, or loan or deposit production office) maintained by the Bank and/or any Affiliate of the Bank from time
to time during such period of employment, and, following the period of the Employee&rsquo;s employment, a radius of 75 miles from
each banking office (whether a main office, branch office, or loan or deposit production office) maintained by the Bank and/or
any Affiliate of the Bank as of the last day of the Employee&rsquo;s employment.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Board
of Directors</U>&rdquo; shall mean the board of directors of the Bank or the Company, as indicated herein, and, where appropriate,
any committee or designee thereof</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Business
of the Employer</U>&rdquo; shall mean the business conducted by the Company and/or the Bank and/or any Affiliate of the Company
or the Bank, which as to the Bank and the Company shall include the business of commercial and consumer banking.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;Cause&rdquo;
shall mean:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>In
the context of the termination of this Agreement by the Employer:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>a
breach of the terms of this Agreement by the Employee not cured by the Employee within 15 business days after the Employee&rsquo;s
receipt of the Employer&rsquo;s written notice thereof, including, without limitation, failure by the Employee to perform the Employee&rsquo;s
duties and responsibilities in the manner and to the extent required under this Agreement;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>any
act by the Employee of fraud against, misappropriation from, or dishonesty to the Company or the Bank or any Affiliate of the Company
or the Bank;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>the
conviction of the Employee of any crime;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>conduct
by the Employee that amounts to willful misconduct, gross neglect, or a material failure to perform the Employee&rsquo;s duties
and responsibilities hereunder, including prolonged absences without the written consent of the President and Chief Executive Officer
of the Company; <I>provided</I> that the nature of such conduct shall be set forth with reasonable particularity in a written notice
to the Employee Who shall have 15 business days following delivery of such notice to cure such alleged conduct, <I>provided</I>
that such conduct is, in the reasonable discretion of the President and Chief Executive Officer of the Company, susceptible to
a cure;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>the
exhibition by the Employee of a standard of behavior within the scope of or related to the Employee&rsquo;s employment that is
in violation of: (i) any written policy, which violation results in or is likely to result in a material loss or regulatory criticism,
(ii) any board committee charter, or (iii) any code of ethics or business conduct of the Company or any Affiliate of the Company;
<I>provided</I> in each case that the nature of such behavior shall be set forth with reasonable particularity in a written notice
to the Employee who shall have 15 business days following delivery of such notice to cure such alleged behavior, <I>provided</I>
that such behavior is, in the reasonable discretion of the President and Chief Executive Officer of the Company, susceptible to
a cure;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>conduct
or behavior by the Employee that, in the reasonable opinion of the President and Chief Executive Officer of the Company, has harmed
or could be expected to harm the business or reputation of the Company, the Bank, or any Affiliate of the Company or the Bank,
including, without limitation, conduct or behavior that is unethical or involves moral turpitude;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>receipt
of any form of written notice that any regulatory agency or authority having jurisdiction over the Company, the Bank, or any Affiliate
of the Company or the Bank has instituted any form of regulatory action against the Employee; or</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>the
Employee&rsquo;s removal from office or permanent prohibition from participating in the conduct of the affairs of the Company,
the Bank, or any Affiliate of the Company or the Bank by an order issued under Section 8(e) or Section 8(g) of the Federal Deposit
Insurance Act (12 U.S.C. &sect; 1818(e) and (g)).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>In
the context of the termination of this Agreement by the Employee:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>a
material reduction, when considered in the aggregate, in the scope of the Employee&rsquo;s duties and responsibilities, which (A)
is not consented to by the Employee in writing, or (B) does not occur within the 12 months following either the Merger or the merger
of the Bank and Cornerstone;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>a
material reduction, when considered in the aggregate, in the salary and other compensation and benefits provided for in <U>Section
4</U> hereof from the level in effect immediately prior to such reduction, which is not consented to by the Employee in writing;
or</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in"><FONT STYLE="color: #010000">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>a
change in the location of the Employee&rsquo;s primary office such that the Employee is required to report regularly to an office
located outside of a radius of 75 miles from the location of the Employee&rsquo;s primary office as of the date of such change
in location, which change is not consented to by the Employee in writing.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Change
of Control</U>&rdquo; shall mean:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>the
acquisition by any person or persons acting in conceit (other than any officer(s), director(s), and/or shareholder(s) of the Company
or any Affiliate of the Company), in a single transaction or series of related transactions, of 50% or more of the outstanding
voting securities of the Company entitled to vote in the election of Company directors;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>a
reorganization, merger, or consolidation to which the Company is a party with respect to which persons who were shareholders of
the Company immediately prior to such reorganization, merger, or consolidation do not immediately thereafter own more than 50%
of the combined voting power of the reorganized, merged, or consolidated company&rsquo;s then outstanding voting securities entitled
to vote in the election of directors; or</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>the
sale, transfer, or assignment by the Company of all or substantially all of the assets of the Company and its subsidiaries to any
third party (excluding, however, any pledge by the Company of the capital stock of any subsidiary of the Company to secure indebtedness
of the Company or for other general corporate or commercial purposes).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">Notwithstanding the
foregoing, the Parties expressly acknowledge and agree that neither the Merger nor any merger of the Bank and Cornerstone (irrespective
of the surviving bank of such merger) shall constitute or give rise to a Change of Control for purposes of this Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Code</U>&rdquo;
shall mean the Internal Revenue Code of 1986, as amended, and the rules and regulations promulgated thereunder.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Competing
Business</U>&rdquo; shall mean any person (other than an Affiliate of the Company or the Bank) that is conducting any business
that is the same or substantially the same as the Business of the Bank.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Confidential
Information</U>&rdquo; means data and information relating to the business of the Company or the Bank or any Affiliate of the Company
or the Bank (which does not rise to the status of a Trade Secret) which is or has been disclosed to the Employee or of which the
Employee became aware as a consequence of or through the Employee&rsquo;s relationship with the Company or the Bank or any Affiliate
of the Company or the Bank and which has value to Company or the Bank or any Affiliate of the Company or the Bank and is not generally
known to its or their competitors. Confidential Information shall not include any data or information that has been voluntarily
disclosed to the public by the Company or the Bank or any Affiliate of the Company or the Bank (<I>provided</I> that no such public
disclosure shall be deemed to be voluntary when made without authorization by the Employee or any other employee of Company or
the Bank or any Affiliate of the Company or the Bank) or that has been independently developed and disclosed by others or that
otherwise enters the public domain through lawful means.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Disability</U>&rdquo;
shall mean the inability of the Employee to perform each of the Employee&rsquo;s duties and responsibilities under this Agreement
for a period of more than 90 consecutive days; <I>provided</I> that the Parties agree that, to the extent necessary to comply with
Section 409A of the Code, the definition of &ldquo;Disability&rdquo; shall be amended to the definition of disability required
by Section 409A of the Code.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Employer
Information</U>&rdquo; shall mean, collectively, Confidential Information and Trade Secrets.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Merger</U>&rdquo;
shall mean the merger of the Company with and into Cornerstone Bancshares, Inc. (&ldquo;Cornerstone Bancshares&rdquo;), a Tennessee
corporation, as contemplated by that certain Agreement and Plan of Merger, by and among the Company, the Bank, Cornerstone Bancshares,
and Cornerstone, dated December 5, 2014.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Post-Termination
Period</U>&rdquo; shall mean a period of 12 months following the effective date of the termination of the Employee&rsquo;s employment.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Severance
Benefit</U>&rdquo; shall mean any post-termination benefit(s) to be paid by the Employer pursuant to <U>Section 5(a)(ii)</U>, <U>Section
5(b)(i)</U>, or <U>Section 6</U> hereof.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&ldquo;<U>Trade
Secrets</U>&rdquo; shall mean information of the Company or the Bank or any Affiliate of the Company or the Bank, including, without
limitation, technical and nontechnical data, formulas, patterns, compilations, programs, devices, methods, techniques, drawings,
processes, financial data, financial plans, product plans, and lists of actual or potential customers, prospects, or suppliers,
which:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>derives
economic value, actual or potential, from not being generally known to, and not being readily ascertainable by proper means by,
other persons who can obtain economic value from its disclosure or use; and</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>is
the subject of efforts that are reasonable under the circumstances to maintain its secrecy.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Employee
Duties</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Position(s)</I>.
The Employee will be employed as Vice Chairman of the Company, and Chairman and Director of Business Development of the Bank, and
shall perform and discharge faithfully the duties and responsibilities which may be assigned to the Employee from time to time
in connection with the conduct of the Employer&rsquo;s business. The duties and responsibilities of the Employee shall be commensurate
with those of individuals holding similar positions at other banks similarly situated. The Employee will report directly to the
Board of Directors or such other officer(s) as the Board of Directors may determine.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Full-Time
Status</I>. In addition to the duties and responsibilities specifically assigned to the Employee pursuant to <U>Section 2(a)</U>
hereof, the Employee shall:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>subject
to <U>Section 2(c)</U> hereof, during regular business hours devote substantially all of the Employee&rsquo;s time, energy, attention,
and skill to the performance of the duties and responsibilities of the Employee&rsquo;s employment (reasonable vacations, approved
leaves of absence, and reasonable absences due to illness excepted) and faithfully and industriously perform such duties and responsibilities;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>diligently
follow and implement all reasonable and lawful policies and decisions communicated to the Employee; and</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>timely
prepare and forward to the requesting party or parties all reports and accountings as may be reasonably requested of the Employee.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Permitted
Activities</I>. The Employee shall devote substantially all of the Employee&rsquo;s entire business time, attention, and energies
to the Business of the Employer and shall not, during the Term, be engaged (whether or not during normal business hours) in any
other significant business or professional activity, whether or not such activity is pursued for gain, profit, or other pecuniary
advantage, but as long as the following activities do not interfere with the Employee&rsquo;s obligations to the Employer, this
shall not be construed as preventing the Employee from:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>investing
the Employee&rsquo;s personal assets in any manner which will not require any services on the part of the Employee in the operations
or affairs of the subject person and in which the Employee&rsquo;s participation is solely that of an investor; <I>provided</I>
that such investment activity following the Effective Date shall not result in the Employee owning, beneficially or of record,
at any time 2% or more of the equity securities of any Competing Business; or</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>participating
in civic and professional affairs and organizations and conferences, preparing or publishing papers or books, or teaching, so long
as any such activities do not interfere with the ability of the Employee to effectively discharge the Employee&rsquo;s duties and
responsibilities hereunder; <I>provided</I> that the Board of Directors may direct the Employee in writing to resign from any such
organization and/or cease any such activities in the event the Board of Directors reasonably determines that continued membership
and/or activities of the type identified would not be in the best interests of the Employer.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Term
of Employment</U>. The initial term of this Agreement (the &ldquo;<U>Initial Term</U>&rdquo;), and the Parties&rsquo; employment
relationship, shall commence on and as of the Effective Date and, unless this Agreement is sooner terminated in accordance with
its terms, shall end on the date which is the third anniversary of the Effective Date. At the end of the Initial Term (and at the
end of any one-year renewal term), this Agreement will automatically renew for an additional, successive term of one year, unless
the Employer or the Employee gives the other written notice of its intent to terminate this Agreement as of the end of the Initial
Term (or as of the end of the then-current renewal term) at least 60 days prior to the end of the Initial Term (or then-current
renewal term). The Initial Term and any and all renewal terms, if any, are referred to together herein as the &ldquo;<U>Term</U>.&rdquo;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Compensation</U>.
The Employer shall compensate the Employee as follows during the Employee&rsquo;s period of employment hereunder, except as otherwise
provided below:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Annual
Base Salary</I>. The Employee shall be compensated at an annual base rate of $225,000.00 per year (the &ldquo;<U>Annual Base Salary</U>&rdquo;).
The Employee&rsquo;s Annual Base Salary will be reviewed by the compensation committee of the Board of Directors at least annually
(in accordance with the committee&rsquo;s charter and any procedures adopted by the committee) for adjustments based on an evaluation
of the Employee&rsquo;s performance. The Employee&rsquo;s Annual Base Salary shall be payable in accordance with the Employer&rsquo;s
normal payroll practices.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Annual
Incentive Compensation.</I></P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The
Employee shall be eligible to receive annual bonus compensation as determined by, and based on performance measures established
by, the Board of Directors (upon recommendation by the compensation committee) consistent with the strategic plan(s) of the Employer
pursuant to any incentive compensation program that may be adopted from time to time by the Board of Directors (an &ldquo;<U>Annual
Bonus</U>&rdquo;).</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Any
Annual Bonus earned shall be payable in cash in the first calendar quarter of the year following the year in which the Annual Bonus
is earned, in accordance with the Employer&rsquo;s normal practices for the payment of short-term incentives. The payment of any
Annual Bonus shall be subject to any approvals or non-objections required by any regulator of the Company or the Bank or any Affiliate
of the Company or the Bank, and it is understood by the Parties that the Employee may not be eligible to receive any such Annual
Bonus or other short-term incentive compensation if the Company or the Bank or any Affiliate of the Company or the Bank is subject
to restrictions imposed on the Company or the Bank or any such Affiliate by the United States Department of the Treasury, the Board
of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, the Tennessee Department of Financial Institutions,
or any other bank or bank holding company regulatory authority, or if the Employer is otherwise restricted from making payment
of such compensation under applicable law.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Reimbursement
of Business Expenses</I>. Subject to the reimbursement policies from time to time adopted by the Board of Directors, and consistent
with the annual budget approved for the period during which an expense is incurred, the Employer will reimburse the Employee for
reasonable and necessary business expenses incurred by the Employee in the performance of the Employee&rsquo;s duties and responsibilities
hereunder; <I>provided, however</I>, that, as a condition to any such reimbursement, the Employee shall submit verification of
the nature and amount of such expenses in accordance with said reimbursement policies. Examples of appropriate categories of reimbursable
expenses include memberships in professional and civic organizations, professional development, and customer entertainment. The
Employee acknowledges that the Employer makes no representation with respect to the taxability or non-taxability of the benefits
provided under this <U>Section 4(c)</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Cellular
Telephone</I>. The Bank will provide the Employee with a Bank-owned cellular telephone for use by the Employee in the course of
the Employee&rsquo;s employment and for Employer-related business.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Annual
Allowance</I>. The Bank will provide the Employee with an annual allowance in the amount of $25,000.00, or $2,083.33 per month,
for the purpose of payment of club dues.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Paid
Leave</I>. On a non-cumulative basis, the Employee shall be entitled to 25 days of paid leave per calendar year, prorated for any
partial calendar year of service. The provisions of this <U>Section 4(e)</U> shall apply, notwithstanding any less generous paid
leave policy then maintained by the Employer, but the use of Employee&rsquo;s paid leave shall otherwise be in accordance with
and subject to the Employer&rsquo;s paid leave policy as in effect from time to time.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Other
Benefits</I>. In addition to the benefits specifically described in this Agreement, the Employee shall be entitled to such benefits
as may be available from time to time to similarly situated employees of the Employer, including, by way of example only, retirement
plan and health, dental, life, and disability insurance benefits. All such benefits shall be awarded and administered in accordance
with the written terms of any applicable benefit plan or, if no written terms exist, the Employer&rsquo;s standard policies and
practices relating to such benefits.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Reimbursement
of Expenses; In-Kind Benefits</I>. All expenses eligible for reimbursement described in this Agreement must be incurred by the
Employee during the Term of this Agreement to be eligible for reimbursement. Any in-kind benefits provided by the Employer must
be provided during the Term of this Agreement. The amount of reimbursable expenses incurred, and the amount of any in-kind benefits
provided, in one taxable year shall not affect the expenses eligible for reimbursement, or in-kind benefits provided, in any other
taxable year. Each category of reimbursement shall be paid as soon as administratively practicable, but in no event shall any such
reimbursement be paid after the last day of the calendar year following the calendar year in which the expense was incurred. Neither
rights to reimbursement nor in-kind benefits shall be subject to liquidation or exchange for other benefits.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Clawback
of Compensation</I>. The Employee agrees to return or repay any compensation previously paid or otherwise made available to the
Employee that is subject to recovery under any applicable law, rule, or regulation (including any rule of any exchange or service
on or through which the securities of the Company or any Affiliate of the Company are traded) where such compensation was in excess
of what should have been paid or made available because the determination of the amount due was based, in whole or in part, on
materially inaccurate financial information of the Employer. The Employee agrees to return or repay promptly any such compensation
identified by the Employer. If the Employee fails to return or repay such compensation promptly, the Employee agrees that the amount
of such compensation may be deducted from any and all other compensation owed to the Employee. The Employee acknowledges that the
Employer may take appropriate disciplinary action (up to and including termination of employment) if the Employee fails to return
or repay such compensation. The provisions of this <U>Section 4(h)</U> shall be modified to the extent, and remain in effect for
the period, required by applicable law, rule, or regulation.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Termination
of Employment</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Termination
by Employer</I>. During the Term, the Employee&rsquo;s employment, and this Agreement, may be terminated by the Employer:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>for
Cause, upon written notice to the Employee approved by two-thirds of the members of the Board of Directors, in which event the
Employee shall not be entitled to any post-termination compensation or benefits;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>at
any time without Cause (<I>provided</I> that the Bank shall give the Employee at least 30 days prior written notice of the Employer&rsquo;s
intent to terminate), in which event the Employer shall (1) be required to pay to the Employee a severance benefit equal to one
times the Employee&rsquo;s Annual Base Salary as of the date of termination, said benefit to be payable over the course of the
12-month period following termination in accordance with the Employer&rsquo;s normal payroll practices, and (2) reimburse the Employee
for the reasonable cost of premium payments paid by the Employee to continue the Employee&rsquo;s then-existing health insurance
for himself as provided by the Employer for the lesser of (A) 12 months following termination and (B) until such time as the Employee
obtains other employment providing health insurance coverage, <I>provided</I> that the Employer may discontinue reimbursing the
Employee for such premium payments for the applicable time period and instead provide a cash payment to the Employee (for the Employee
to use as the Employee deems appropriate) equal to the amount of the remainder of such reimbursable premium payments in the event
that the Employer determines that continued reimbursement of premium payments would cause a violation of applicable nondiscrimination
rules (for the avoidance of doubt, the termination of the Employee&rsquo;s employment by the Employer upon the disability of the
Employee under <U>Section 5(a)(iii)</U> below shall not be considered or deemed termination of the Employee&rsquo;s employment
without Cause under this <U>Section 5(a)(ii)</U>); or</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>at
any time upon the Disability of the Employee (<I>provided</I> that the Employer shall give the Employee at least 30 days prior
written notice of the Employer&rsquo;s intent to terminate), in which event the Employee will be entitled to such benefits (if
any) as may be available to the Employee under the Employer&rsquo;s disability insurance policy or policies (if any) then in effect.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Termination
by Employee</I>. During the Term, the Employee&rsquo;s employment, and this Agreement, may be terminated by the Employee:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>for
Cause, in which event the Employer shall (1) be required to pay to the Employee a severance benefit equal to (A) if termination
is for Cause as defined in <U>Section l(f)(ii)(1)</U> or <U>Section l(f)(ii)(3)</U>, one times the Employee&rsquo;s Annual Base
Salary as of the date of termination, said benefit to be payable over the course of the 12-month period following termination in
accordance with the Employer&rsquo;s normal payroll practices, or (B) if termination is for Cause as defined in <U>Section 1(1)(ii)(2)</U>,
one times the Employee&rsquo;s Annual Base Salary immediately before the reduction in salary and other compensation and benefits
giving rise to termination, said benefit to be payable over the course of the 12-month period following termination in accordance
with the Employer&rsquo;s normal payroll practices, and (2) reimburse the Employee for the reasonable cost of premium payments
paid by the Employee to continue the Employee&rsquo;s then-existing health insurance for himself as provided by the Employer for
the lesser of (A) 12 months following termination and (B) until such time as the Employee obtains other employment providing health
insurance coverage, <I>provided</I> that the Employer may discontinue reimbursing the Employee for such premium payments for the
applicable time period and instead provide a cash payment to the Employee (for the Employee to use as the Employee deems appropriate)
equal to the amount of the remainder of such reimbursable premium payments in the event that the Employer determines that continued
reimbursement of premium payments would cause a violation of applicable nondiscrimination rules; or</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>at
any time without Cause or upon the Disability of the Employee (<I>provided</I> that the Employee shall give the Employer at least
60 days prior written notice of the Employee&rsquo;s intent to terminate), in which event the Employee shall not be entitled to
any post-termination compensation or benefits other than such benefits (if any) as may be available to the Employee under the Employer&rsquo;s
disability insurance policy or policies (if any) then in effect.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Termination
by Mutual Agreement</I>. During the Term, the Employee&rsquo;s employment, and this Agreement, may be terminated at any time by
mutual, written agreement of the Parties.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Termination
Upon Death</I>. The Employee&rsquo;s employment, and this Agreement, shall terminate automatically upon the death of the Employee.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Effect
of Termination; Resignation</I>. Upon the termination of the Employee&rsquo;s employment hereunder, the Employer shall have no
further obligations to the Employee or the Employee&rsquo;s estate, heirs, beneficiaries, executors, administrators, or legal or
personal representatives with respect to this Agreement, except for the payment of any amounts earned and owing under <U>Sections
4(a)</U>-<U>4(c)</U> hereof as of the effective date of the termination of the Employee&rsquo;s employment and any payment(s) required
by <U>Section 5(a)(ii)</U>, <U>Section 5(b)(i)</U>, or <U>Section 6</U> of this Agreement. Further, upon the termination of the
Employee&rsquo;s employment, if the Employee is a member of the Board of Directors or the board of directors of any Affiliate of
the Employer, the Employee shall, at the request of the Employer, resign from his position(s) on such board(s), with any and all
such resignations to be effective not later than the date on which the Employee&rsquo;s employment is terminated.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Change
of Control</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If,
within 12 months following a Change of Control, the Employer (or any successor of or to the Employer) terminates the Employee&rsquo;s
employment without Cause, the Employee (or in the event of the Employee&rsquo;s subsequent death the Employee&rsquo;s estate or
designated beneficiary or beneficiaries, as the case may be) shall receive, as liquidated damages, in lieu of all other claims,
a severance payment equal to two times the Employee&rsquo;s Annual Base Salary as of the date of termination, such amount to be
paid in full in one lump sum payment on the last day of the month following the date of termination of the Employee&rsquo;s employment.
Additionally, the Employee will continue to receive the health insurance plan benefits then in effect for employees of the Employer
for the lesser of (i) 12 months following termination and (ii) until such time as the Employee obtains other employment providing
health insurance plan benefits, to include payment of any Bank-funded portion of the plan; <I>provided, however</I>, that the Employer
may discontinue paying insurer(s) COBRA premiums for health insurance coverage for the applicable time period and instead provide
a cash payment to the Employee (for the Employee to use as the Employee deems appropriate) equal to the amount of the remainder
of such COBRA premiums in the event that the Employer determines that continued provision of a COBRA subsidy would cause a violation
of applicable nondiscrimination rules.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If,
within 12 months following a Change of Control, the Employee terminates the Employee&rsquo;s employment with the Employer (or any
successor of or to the Company or the Bank) for Cause, the Employee (or in the event of the Employee&rsquo;s subsequent death the
Employee&rsquo;s estate or designated beneficiary or beneficiaries, as the case may be) shall receive, as liquidated damages, in
lieu of all other claims, a severance payment equal to (i) if termination is for Cause as defined in <U>Section 1(f)(ii)(1)</U>
or <U>Section l(f)(6)(3)</U>, two times the Employee&rsquo;s Annual Base Salary as of the date of termination, such amount to be
paid in full in one lump sum payment on the last day of the month following the date of termination of the Employee&rsquo;s employment,
or (ii) if termination is for Cause as defined in <U>Section l(f)(ii)(2)</U>, two times the Employee&rsquo;s Annual Base Salary
immediately before the reduction in salary and other compensation and benefits giving rise to termination, such amount to be paid
in full in one lump sum payment on the last day of the month following the date of termination of the Employee&rsquo;s employment.
Additionally, the Employee will continue to receive the health insurance plan benefits then in effect for employees of the Employer
for the lesser of (i) 12 months following termination and (ii) until such time as the Employee obtains other employment providing
health insurance plan benefits, to include payment of any Bank-funded portion of the plan; <I>provided, however</I>, that the Employer
may discontinue paying insurer(s) COBRA premiums for health insurance coverage for the applicable time period and instead provide
a cash payment to the Employee (for the Employee to use as the Employee deems appropriate) equal to the amount of the remainder
of such COBRA premiums in the event that the Employer determines that continued provision of a COBRA subsidy would cause a violation
of applicable nondiscrimination rules.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Employer
Information</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Ownership
of Employer Information</I>. All Employer Information received or developed by the Employee or by the Company or the Bank or any
Affiliate of the Company or the Bank while the Employee is employed by the Employer shall be and will remain the sole and exclusive
property of the Company or the Bank or such Affiliate, as the case may be.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Obligations
of the Employee</I>. The Employee agrees:</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>to
hold all Employer Information in strictest confidence;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>to
not use, duplicate, reproduce, distribute, disclose, or otherwise disseminate Employer Information or any physical embodiments
of Employer Information to any unauthorized recipient; and</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>in
any event, to not take any action causing any Employer Information to lose its character or cease to qualify as, and to not fail
to take any action necessary in order to prevent any Employer Information from losing its character or ceasing to qualify as, Confidential
Information or a Trade Secret; <I>provided</I>, <I>however</I>, that none of the foregoing obligations shall preclude the Employee
from making any disclosures of Employer Information which the Employee has been advised in writing by independent legal counsel
are required by applicable law, rule, or regulation. This <U>Section 7</U> shall survive for a period of two years following the
termination of this Agreement for any reason with respect to Confidential Information, and shall survive the termination of this
Agreement for any reason for so long as is permitted by applicable law with respect to Trade Secrets.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Delivery
Upon Request or Termination</I>. Upon the request of the Employer, and in any event upon the termination of the Employee&rsquo;s
employment with the Employer, the Employee will promptly deliver to the Employer all property belonging to the Employer, including,
without limitation, all Employer Information then in the Employee&rsquo;s possession or control.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Non-Competition;
Non-Solicitation; Non-Disparagement</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Non-Competition</I>.
The Employee agrees that during the period of the Employee&rsquo;s employment by the Employer hereunder and, in the event of the
termination of the Employee&rsquo;s employment, for the period of time in which the Employee is entitled to receive any Severance
Benefit, the Employee will not (except on behalf of or with the prior written consent of the Employer):</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>within
the Area, either directly or indirectly, on the Employee&rsquo;s own behalf or in the service of or on behalf of others, engage
in any business, activity, enterprise, or venture competitive with the Business of the Employer;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>within
the Area, either directly or indirectly, perform for any Competing Business any services that are the same as, or substantially
the same as, the services the Employee provides or provided for the Employer;</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>within
the Area, accept employment with or be employed by any person engaged in any business, activity, enterprise, or venture competitive
with the Business of the Employer; or</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>work
for or with, consult for, or otherwise be affiliated with, in either a paid or unpaid capacity, or be employed by any person or
group of persons proposing to establish a new bank or other financial institution within the Area.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Non-Solicitation
of Customers</I>. The Employee agrees that, during the period of the Employee&rsquo;s employment by the Employer hereunder and,
in the event of the termination of the Employee&rsquo;s employment for any reason, for the duration of the Post-Termination Period,
the Employee will not, directly or indirectly (except on behalf of or with the prior written consent of the Employer), on the Employee&rsquo;s
own behalf or in the service of or on behalf of others, solicit, divert, or appropriate, or attempt to solicit, divert, or appropriate,
any business from any of the customer of the Company, the Bank, or any Affiliate of the Company or the Bank, including prospective
customers actively sought by the Company, the Bank, or any Affiliate of the Company or the Bank, with whom the Employee has or
had contact during the last two years of the Employee&rsquo;s employment with the Employer, for purposes of selling, offering,
or providing products or services that are competitive with those sold, offered, or provided by the Company, the Bank, or any Affiliate
of the Company or the Bank.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Non-Solicitation
of Employees</I>. The Employee agrees that, during the period of the Employee&rsquo;s employment by the Employer hereunder and,
in the event of the termination of the Employee&rsquo;s employment for any reason, for the duration of the Post-Termination Period,
the Employee will not, directly or indirectly (except on behalf of or with the prior written consent of the Employer), on the Employee&rsquo;s
own behalf or in the service of or on behalf of others, solicit, recruit, or hire away, or attempt to solicit, recruit, or hire
away, any employee of the Company, the Bank, or any Affiliate of the Company or the Bank with whom the Employee had contact during
the last two years of the Employee&rsquo;s employment with the Employer, regardless of whether such employee is a full-time, part-time,
or temporary employee of the Company, the Bank, such an Affiliate of the Company or the Bank or such employee&rsquo;s employment
is pursuant to a written agreement, for a determined period, or at will.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Non-Disparagement</I>.
The Employee agrees that, during the period of the Employee&rsquo;s employment by the Employer hereunder and for a period of two
years thereafter, the Employee will not make any untruthful statement (written or oral) that is or could reasonably be perceived
as disparaging to the Company, the Bank, or any Affiliate of the Company or the Bank.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Modification</I>.
The Patties agree that the provisions of this Agreement represent a reasonable balancing of their respective interests and have
attempted to limit the restrictions imposed on the Employee to those necessary to protect the Employer from inevitable disclosure
of Confidential Information and Trade Secrets and/or unfair competition. The Parties agree that, if the scope or enforceability
of this Agreement is in any way disputed at any time and an arbitrator, court, or other trier of fact determines that the scope
of the restrictions contained in this Agreement is overbroad, then such arbitrator, court, or other trier of fact may modify the
scope of the restrictions contained in this Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Tolling</I>.
The Employee agrees that, in the event the Employee breaches this <U>Section 8</U>, the Post-Termination Period shall be tolled
during the period of such breach and shall be extended to 12 months after all breaches of this Agreement have ceased.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt">&nbsp;</DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Remedies</I>.
The Employee agrees that the covenants contained in <U>Section 7</U> and <U>Section 8</U> of this Agreement are of the essence
of this Agreement; that each of such covenants is reasonable and necessary to protect the business, interests, and properties of
the Employer and its Affiliates; and that irreparable loss and damage will be suffered by the Employer should the Employee breach
any of such covenants. Therefore, the Employee agrees and consents that, in addition to any and all other remedies provided by
or available at law or in equity, the Employer shall be entitled to a temporary restraining order and temporary and permanent injunctions
to prevent a breach or threatened or contemplated breach of any of the covenants contained in <U>Section 7</U> or <U>Section 8</U>
of this Agreement, and that, in such event, the Employer shall not be required to post a bond. The Employer and the Employee agree
that all remedies available to the Employer shall be cumulative.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Severability</U>.
The Parties agree that each of the provisions included in this Agreement is separate, distinct, and severable from the other provisions
of this Agreement and that the invalidity or unenforceability of any provision of this Agreement shall not affect the validity
or enforceability of any other provision of this Agreement. Further, if any provision of this Agreement is ruled invalid or unenforceable
by a court of competent jurisdiction because of a conflict between the provision and any applicable law, rule, regulation, or public
policy, the provision shall be redrawn to make the provision consistent with, and valid and enforceable under, such law, rule,
regulation, or public policy.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>No
Set-Off by Employee</U>. The existence of any claim, demand, action, or cause of action by the Employee against the Company, the
Bank, or any Affiliate of the Company or the Bank, whether predicated upon this Agreement or otherwise, shall not constitute a
defense to the enforcement by the Employer of any of the Employer&rsquo;s rights hereunder.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Notices</U>.
All notices, requests, waivers, and other communications required or permitted hereunder shall be in writing and shall be either
personally delivered; sent by national overnight courier service, postage prepaid, next-business-day delivery guaranteed; or mailed
by first class United States Mail, postage prepaid return receipt requested, to the recipient at the address below indicated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 30%"><FONT STYLE="font-size: 10pt">If to the Employer:</FONT></TD>
    <TD STYLE="width: 57%"><FONT STYLE="font-size: 10pt">SmartFinancial, Inc.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">SmartBank</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Attention: President &amp; Chief Executive Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5401 Kingston Pike</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Suite 600</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Knoxville, Tennessee 37919</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">If to the Employee:</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">William Y. Carroll, Sr.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">351 Grandview Drive</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">Kodack, Tennessee 37764</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or to such other address or to the attention
of such other person as the recipient Party shall have specified by prior written notice to the sending Party. All such notices,
requests, waivers, and other communications shall be deemed to have been effectively given: (a) when personally delivered to the
Party to be notified; (b) two business days after deposit with a national overnight courier service, postage prepaid, addressed
to the Party to be notified as set forth above with next-business-day delivery guaranteed; or (c) four business days after deposit
in the United States Mail, first class, postage prepaid with return receipt requested, at any time other than during a general
discontinuance of postal service due to strike, lockout, or otherwise (in which case such notice, request, waiver, or other communication
shall be effectively given upon receipt), and addressed to the Party to be notified as set forth above. A Party may change such
Party&rsquo;s notice address set forth above by giving the other Party 10 days written notice of the new address in the manner
set forth above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Assignment</U>.
The rights and obligations of the Company and the Bank under this Agreement shall inure to the benefit of and shall be binding
upon the successors and assigns of the Company and the Bank, including, without limitation, a purchaser of all or substantially
all of the assets of the Company or the Bank. If this Agreement is assigned pursuant to the foregoing sentence, the assignment
shall be by novation, and the assigning Party shall have no further liability hereunder, and the successor or assign shall become
the &ldquo;Company&rdquo; or the &ldquo;Bank,&rdquo; as applicable, hereunder, but the Employee will not be deemed to have experienced
a termination of employment by virtue of such assignment. Without limiting the generality of the foregoing, the Parties expressly
acknowledge and agree that, in the event of any merger of the Company with and into Cornerstone, Cornerstone as the surviving company
of such merger will, as successor by merger to the Company, succeed to all rights and obligations of the Company hereunder, without
any further action by the Parties, and that at and after the effective time of such merger, all references in this Agreement to
the &ldquo;Company&rdquo; shall be references to Cornerstone as successor by merger to the Company. This Agreement is a personal
contract and the rights and interest of the Employee may not be assigned by the Employee. This Agreement shall inure to the benefit
of and be enforceable by the Employee and the Employee&rsquo;s personal or legal representatives, executors, administrators, successors,
heirs, distributees, devisees, and legatees.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Waiver</U>.
A waiver by one Party to this Agreement of any provision of this Agreement or of any breach of this Agreement by any other Party
to this Agreement shall not be effective unless in writing, and no waiver shall operate or be construed as a waiver of the same
or any other provision or breach on any other or subsequent occasion.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Mediation</U>.
Except with respect to <U>Section 7</U>, <U>Section 8</U>, and <U>Section 22</U> hereof, and except as provided in <U>Section 15</U>
hereof, in the event of any dispute arising out of or relating to this Agreement, or a breach hereof, which dispute cannot be settled
through direct discussions between the Parties, the Patties agree to first endeavor to settle the dispute in an amicable manner
by non-binding mediation in accordance with the rules of alternative dispute resolution of the State of Tennessee for the judicial
circuit containing Knox County, Tennessee before resorting to any other process for resolving the dispute.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Applicable
Law and Choice of Forum</U>. This Agreement shall be governed by and construed and enforced under and in accordance with the laws
of the State of Tennessee, without regard to or the application of principles of conflicts of laws. The Parties agree that any
legal action or proceeding arising under or relating to this Agreement shall be brought in a state court of record located in Knox
County, Tennessee, or, in the event (but only in the event) that no such state court has subject matter jurisdiction over such
action or proceeding, in the United States District Court for the Eastern District of Tennessee, which courts shall have exclusive
jurisdiction over any such action or proceeding. Each Party consents to, and waives any objection such Party may otherwise have
to, the jurisdiction and venue of such courts.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Interpretation</U>.
Words used herein importing any gender include all genders. Words used herein importing the singular shall include the plural and
vice versa. When used herein, the terms &ldquo;herein,&rdquo; &ldquo;hereunder,&rdquo; &ldquo;hereby,&rdquo; &ldquo;hereto,&rdquo;
and &ldquo;hereof,&rdquo; and any similar terms, refer to this Agreement. When used herein, the term &ldquo;person&rdquo; shall
include an individual, a corporation, a limited liability company, a partnership, an association, a trust, and any other entity
or organization, whether or not incorporated. Any captions, titles, or headings preceding the text of any section or subsection
of this Agreement are solely for convenience of reference and shall not constitute part of this Agreement or affect its meaning,
construction, or effect.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Entire
Agreement</U>. This Agreement embodies the entire, final, and integrated agreement of the Parties on the subject matter stated
in this Agreement. No amendment or supplement to or modification of this Agreement shall be valid or binding upon the Employer
or the Employee unless made in a writing signed by all of the Parties. All prior understandings and agreements relating to the
subject matter of this Agreement are hereby expressly terminated.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Counterparts</U>.
This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which together shall be deemed
to be one and the same agreement. A signed copy of this Agreement delivered by facsimile, e-mail, or other means of electronic
transmission shall be deemed to have the same legal effect as delivery of an original signed copy of this Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">19.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Rights
of Third Parties</U>. Nothing herein expressed is intended to or shall be construed to confer upon or give to any person, other
than the Parties hereto and their successors and permitted assigns, any rights or remedies under or by reason of this Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">20.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Legal
Fees</U>. In the event of any claim, action, suit, or proceeding arising out of or in any way relating to this Agreement, the prevailing
Party or Parties shall be entitled to recover from the non-prevailing Party or Patties all reasonable fees, expenses, and disbursements,
including, without limitation, reasonable attorneys&rsquo; fees and court costs, incurred by such prevailing Patty or Parties in
connection with such claim, action, suit, or proceeding, in addition to any other relief to which such prevailing Party or Parties
may be entitled at law or in equity.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">21.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Survival</U>.
The obligations of the Parties pursuant to <U>Sections 4(h)</U>, <U>7</U>, <U>8</U>, <U>14</U>, <U>15</U>, <U>20</U>, <U>21</U>,
<U>23</U>, <U>24</U>, <U>25</U>, <U>26</U>, and <U>27</U> shall survive the expiration and/or termination of this Agreement and/or
the termination of the Employee&rsquo;s employment hereunder for the periods expressly designated under such sections or, if no
such period is designed, for the maximum period permissible under applicable law.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">22.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Representation
Regarding Restrictive Covenants</U>. The Employee represents that the Employee is not and will not become a party to any non-competition
or non-solicitation agreement or any other agreement which would prohibit the Employee from entering into this Agreement or providing
the services for the Employer contemplated by this Agreement on or after the Effective Date. In the event the Employee is subject
to any such agreement, this Agreement shall be rendered null and void and the Employer shall have no obligations to the Employee
under this Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">23.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Right
to Contact</U>. The Employee acknowledges and agrees that the Employer shall retain and have the right to contact any new employer
or potential employer (or other business) and apprise such person of the Employee&rsquo;s responsibilities and obligations owed
under this Agreement.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">24.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Section
409A</U>. It is the intent of the Parties for any payment to which the Employee is entitled under this Agreement to be exempt from
Section 409A of the Code to the maximum extent permitted under Section 409A of the Code. However, if any amounts payable are considered
to be &ldquo;nonqualified deferred compensation&rdquo; subject to Section 409A of the Code, such amounts shall be paid and provided
in a manner that, and at such time and in such form as, complies with the applicable requirements of Section 409A of the Code to
avoid the unfavorable tax consequences provided therein for non-compliance. Neither the Employee nor the Employer shall intentionally
take any action to accelerate or delay the payment of any amounts in any manner which would not be in compliance with Section 409A
of the Code without the consent of the other Party. For purposes of this Agreement, all rights to payments shall be treated as
rights to receive a series of separate payments to the fullest extent allowed by Section 409A of the Code. To the extent that some
portion of the payments provided for under this Agreement may be bifurcated and treated as exempt from Section 409A of the Code
under the &ldquo;short-term deferral&rdquo; or &ldquo;separation pay&rdquo; exemptions, then such amounts may be so treated as
exempt from Section 409A of the Code.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">25.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Tax
Matters</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Withholding
of Taxes</I>. The Employer may deduct and withhold from any amounts payable under this Agreement all federal, state, city, or other
taxes the Employer is required to deduct or withhold pursuant to applicable law, rule, regulation, or ruling.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="color: #010000">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><I>Excise
Taxes</I>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>In
the event that any amounts payable under this Agreement or otherwise to the Employee would (1) constitute &ldquo;parachute payments&rdquo;
within the meaning of Section 280G of the Code or any comparable successor provision and (2) but for this <U>Section 25(b)</U>,
be subject to the excise tax imposed by Section 4999 of the Code or any comparable successor provision (the &ldquo;<U>Excise Tax</U>&rdquo;),
then such amounts payable to the Employee shall be either (y) provided to the Employee in full or (z) provided to the Employee
to the maximum extent that would result in no portion of such benefits being subject to the Excise Tax, whichever of the foregoing
amounts, when taking into account applicable federal, state, local, and foreign income and employment taxes, the Excise Tax, and
any other applicable taxes, results in the Employee&rsquo;s receipt, on an after-tax basis, of the greatest amount of benefits,
notwithstanding that all or some portion of such benefits may be taxable under the Excise Tax. Unless the Employer and the Employee
otherwise agree in writing, any determination required under this <U>Section 25(b)</U> shall be made in writing in good faith by
the Employer&rsquo;s independent accounting firm (the &ldquo;<U>Independent Accountants</U>&rdquo;). In the event of a reduction
in benefits hereunder, the reduction of the total payments shall apply as follows, unless otherwise agreed in writing and such
agreement is in compliance with Section 409A of the Code: (1) any cash severance payments subject to Section 409A of the Code due
under this Agreement shall be reduced, with the last such payment due first forfeited and reduced, and sequentially thereafter
working from the next last payment; (2) any cash severance payments not subject to Section 409A of the Code due under this Agreement
shall be reduced, with the last such payment due first forfeited and reduced, and sequentially thereafter working from the next
last payment; (3) any acceleration of vesting of any equity subject to Section 409A of the Code shall remain as originally scheduled
to vest, with the tranche that would vest last (without any such acceleration) first remaining as originally scheduled to vest;
and (4) any acceleration of vesting of any equity not subject to Section 409A of the Code shall remain as originally scheduled
to vest, with the tranche that would vest last (without any such acceleration) first remaining as originally scheduled to vest.
For purposes of making the calculations required by this <U>Section 25(b)</U>, the Independent Accountants may make reasonable
assumptions and approximations concerning applicable taxes and may rely on reasonable, good-faith interpretations concerning the
application of the Code and other applicable legal authority. The Employer and the Employee shall furnish to the Independent Accountants
such information and documents as the Independent Accountants may reasonably request in order to make a determination under this
<U>Section&nbsp;25(b)</U>. The Employer shall bear all costs that the Independent Accountants may reasonably incur in connection
with any calculations contemplated by this <U>Section 25(b)</U>.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #010000">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>If
notwithstanding any reductions described in this <U>Section 25(b)</U> the Internal Revenue Service (the &ldquo;<U>IRS</U>&rdquo;)
determines that the Employee is liable for the Excise Tax as a result of the receipt of amounts payable under this Agreement or
otherwise as described above, then the Employee shall be obligated to pay back to the Employer, within 30 days after a final IRS
determination or, in the event that the Employee challenges the final IRS determination, a final judicial determination, a portion
of such amounts equal to the Repayment Amount. The &ldquo;<U>Repayment Amount</U>,&rdquo; with respect to the payment of benefits,
shall be the smallest such amount, if any, that is required to be paid to the Employer so that the Employee&rsquo;s net after-tax
proceeds with respect to any payment of benefits (after taking into account the payment of the Excise Tax and all other applicable
taxes imposed on such payment) are maximized. The Repayment Amount with respect to the payment of benefits shall be zero if a Repayment
Amount of more than zero would not result in the Employee&rsquo;s net after-tax proceeds with respect to the payment of such benefits
being maximized. If the Excise Tax is not eliminated pursuant to this <U>Section&nbsp;25(b)</U>, the Employee shall pay the Excise
Tax.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="color: #010000">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Notwithstanding
any other provision of this <U>Section 25(b)</U>, if (1) there is a reduction in the payment of benefits as described in this <U>Section
25(b)</U>, (2) the IRS later determines that the Employee is liable for the Excise Tax, the payment of which would result in the
maximization of the Employee&rsquo;s net after-tax proceeds (calculated as if the Employee&rsquo;s benefits had not previously
been reduced), and (3) the Employee pays the Excise Tax, then the Employer shall pay to the Employee those benefits which were
reduced pursuant to this <U>Section 25(b)</U> as soon as administratively possible after the Employee pays the Excise Tax, so that
the Employee&rsquo;s net after-tax proceeds with respect to the payment of benefits are maximized.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">26.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Regulatory
Restrictions</U>. The Parties expressly acknowledge and agree that (a) any and all payments contemplated by this Agreement are
subject to and conditioned upon their compliance with 12 U.S.C. &sect; 1828(k) and 12 C.F.R. Part 359, as such laws and regulations
may be amended from time to time, and (b) the obligations of the Parties under this Agreement are generally subject to such conditions,
restrictions, and limitations as may be imposed from time to time by applicable state and/or federal banking laws, rules, and regulations.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">27.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Nature
of Employer Obligations</U>. The obligations of the Company and the Bank hereunder shall be joint and several.</P>

<P STYLE="color: #010000; font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="color: #010000">28.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Effect
on Prior Agreements and Existing Benefits Plans</U>. This Agreement contains the entire understanding between the Parties and supersedes
any prior employment agreement, whether written or oral, between the Company, the Bank, and the Employee. This Agreement shall
not affect or operate to reduce any benefit or compensation inuring to the Employee of a kind elsewhere provided, and no provision
of this Agreement shall be interpreted to mean that the Employee is subject to receiving fewer benefits than those available to
the Employee without reference to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>(Signature Page Follows)</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the Parties have executed and delivered this Agreement as of the date first written above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">BANK:</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">SMARTBANK</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 43%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ <I>William Y. Carroll, Jr.</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">William Y. Carroll, Jr.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt"><I>President &amp; Chief Executive Officer</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">COMPANY:</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">SMARTFINANCIAL, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ <I>William Y. Carroll, Jr.</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">William Y. Carroll, Jr.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt"><I>President &amp; Chief Executive Officer</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt">EMPLOYEE:</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ <I>William Y. Carroll, Sr.</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">William Y. Carroll, Sr.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>(Signature Page to Carroll, Sr. Employment
Agreement)</I></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>13
<FILENAME>v419670_ex10-4.htm
<DESCRIPTION>EXHIBIT 10.4
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0; text-align: right">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Exhibit 10.4</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>EMPLOYMENT AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">THIS EMPLOYMENT AGREEMENT
is made and entered into as of April 15, 2015 (the &ldquo;<U>Effective Date</U>&rdquo;), by and among SmartFinancial, Inc., a Tennessee
corporation and registered bank holding company (the &ldquo;<U>Company</U>&rdquo;); SmartBank, a banking corporation organized
under the laws of the State of Tennessee (the &ldquo;<U>Bank</U>,&rdquo; and together with the Company, collectively, the &ldquo;<U>Employer</U>&rdquo;);
and C. Bryan Johnson, a resident of the State of Tennessee (the &ldquo;<U>Employee</U>&rdquo;). The Company, the Bank, and the
Employee are sometimes referred to herein collectively as the &ldquo;<U>Parties</U>,&rdquo; and each is sometimes referred to herein
individually as a &ldquo;<U>Party</U>.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>RECITALS</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Employer desires to employ the Employee as Executive Vice President and Chief Financial Officer of the Company and the Bank, and
the Employee desires to accept such employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Parties desire to set forth in this Agreement the terms and conditions upon which the Employee will be so employed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>AGREEMENT</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">In consideration of
the premises set forth above, the mutual agreements hereinafter set forth, and other good and valuable consideration, the receipt
and sufficiency of which are hereby acknowledged, the Parties hereby agree as follows:&#9;.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>.
When used in this Agreement, the following terms and their variant forms shall have the meanings set forth below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Affiliate</U>&rdquo;
shall mean any person that controls, is controlled by, or is under common control with another person. For this purpose, &ldquo;control&rdquo;
means ownership of more than 50% of the ordinary voting power of the outstanding equity securities of a person. For the avoidance
of doubt, it is expressly acknowledged that, following the Merger, the Bank and Cornerstone Community Bank, a banking corporation
organized under the laws of the State of Tennessee (&ldquo;Cornerstone&rdquo;), will be Affiliates for purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Agreement</U>&rdquo;
shall mean this Employment Agreement and any appendices incorporated herein together with any amendments hereto made in the manner
described in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Area</U>&rdquo;
shall mean, during the period of the Employee&rsquo;s employment, a radius of 75 miles from each banking office (whether a main
office, branch office, or loan or deposit production office) maintained by the Bank and/or any Affiliate of the Bank from time
to time during such period of employment, and, following the period of the Employee&rsquo;s employment, a radius of 75 miles from
each banking office (whether a main office, branch office, or loan or deposit production office) maintained by the Bank and/or
any Affiliate of the Bank as of the last day of the Employee&rsquo;s employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Board
of Directors</U>&rdquo; shall mean the board of directors of the Bank or the Company, as indicated herein, and, where appropriate,
any committee or designee thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Business
of the Employer</U>&rdquo; shall mean the business conducted by the Company and/or the Bank and/or any Affiliate of the Company
or the Bank, which as to the Bank and the Company shall include the business of commercial and consumer banking.&emsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Cause</U>&rdquo;
shall mean:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the context of the termination of this Agreement by the Employer:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
breach of the terms of this Agreement by the Employee not cured by the Employee within 15 business days after the Employee&rsquo;s
receipt of the Employer&rsquo;s written notice thereof, including, without limitation, failure by the Employee to perform the Employee&rsquo;s
duties and responsibilities in the manner and to the extent required under this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;any
act by the Employee of fraud against, misappropriation from, or dishonesty to the Company or the Bank or any Affiliate of the Company
or the Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
conviction of the Employee of any crime;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;conduct
by the Employee that amounts to willful misconduct, gross neglect, or a material failure to perform the Employee&rsquo;s duties
and responsibilities hereunder, including prolonged absences without the written consent of the President and Chief Executive Officer
of the Company; provided that the nature of such conduct shall be set forth with reasonable particularity in a written notice to
the Employee who shall have 15 business days following delivery of such notice to cure such alleged conduct, provided that such
conduct is, in the reasonable discretion of the President and Chief Executive Officer of the Company, susceptible to a cure;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
exhibition by the Employee of a standard of behavior within the scope of or related to the Employee&rsquo;s employment that is
in violation of: (i) any written policy, which violation results in or is likely to result in a material loss or regulatory criticism,
(ii) any board committee charter, or (iii) any code of ethics or business conduct of the Company or any Affiliate of the Company;
provided in each case that the nature of such behavior shall be set forth with reasonable particularity in a written notice to
the Employee who shall have 15 business days following delivery of such notice to cure such alleged behavior, provided that such
behavior is, in the reasonable discretion of the President and Chief Executive Officer of the Company, susceptible to a cure;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;conduct
or behavior by the Employee that, in the reasonable opinion of the President and Chief Executive Officer of the Company, has harmed
or could be expected to harm the business or reputation of the Company, the Bank, or any Affiliate of the Company or the Bank,
including, without limitation, conduct or behavior that is unethical or involves moral turpitude;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;receipt
of any form of written notice that any regulatory agency or authority having jurisdiction over the Company, the Bank, or any Affiliate
of the Company or the Bank has instituted any form of regulatory action against the Employee; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
Employee&rsquo;s removal from office or permanent prohibition from participating in the conduct of the affairs of the Company,
the Bank, or any Affiliate of the Company or the Bank by an order issued under Section 8(e) or Section 8(g) of the Federal Deposit
Insurance Act (12 U.S.C. &sect; 1818(e) and (g)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the context of the termination of this Agreement by the Employee:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
material reduction, when considered in the aggregate, in the scope of the Employee&rsquo;s duties and responsibilities, which (A)
is not consented to by the Employee in writing, or (B) does not occur within the 12 months following either the Merger or the merger
of the Bank and Cornerstone;&emsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
material reduction, when considered in the aggregate, in the salary and other compensation and benefits provided for in Section
4 hereof from the level in effect immediately prior to such reduction, which is not consented to by the Employee in writing; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
change in the location of the Employee&rsquo;s primary office such that the Employee is required to report regularly to an office
located outside of a radius of 75 miles from the location of the Employee&rsquo;s primary office as of the date of such change
in location, which change is not consented to by tiie Employee in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Change
of Control</U>&rdquo; shall mean:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
acquisition by any person or persons acting in concert (other than any officer(s), directors), and/or shareholders) of the Company
or any Affiliate of the Company), in a single transaction or series of related transactions, of 50% or more of the outstanding
voting securities of the Company entitled to vote in the election of Company directors;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
reorganization, merger, or consolidation to which the Company is a parly with respect to which persons who were shareholders of
the Company immediately prior to such reorganization, merger, or consolidation do not immediately thereafter own more than 50%
of the combined voting power of the reorganized, merged, or consolidated company&rsquo;s then outstanding voting securities entitled
to vote in the election of directors; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the
sale, transfer, or assignment by the Company of all or substantially all of the assets of the Company and its subsidiaries to any
third party (excluding, however, any pledge by the Company of the capital stock of any subsidiary of the Company to secure indebtedness
of the Company or for other general corporate or commercial purposes).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">Notwithstanding the
foregoing, the Parties expressly acknowledge and agree that neither the Merger nor any merger of the Bank and Cornerstone (irrespective
of the surviving bank of such merger) shall constitute or give rise to a Change of Control for purposes of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Code</U>&rdquo;
shall mean the Internal Revenue Code of 1986, as amended, and the rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Competing
Business</U>&rdquo; shall mean any person (other than an Affiliate of the Company or the Bank) that is conducting any business
that is the same or substantially the same as the Business of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Confidential
Information</U>&rdquo; means data and information relating to the business of the Company or the Bank or any Affiliate of the Company
or the Bank (which does not rise to the status of a Trade Secret) which is or has been disclosed to the Employee or of which the
Employee became aware as a consequence of or through the Employee&rsquo;s relationship with the Company or the Bank or any Affiliate
of the Company or the Bank and which has value to Company or the Bank or any Affiliate of the Company or the Bank and is not generally
known to its or their competitors. Confidential Information shall not include any data or information that has been voluntarily
disclosed to the public by the Company or the Bank or any Affiliate of the Company or the Bank {provided that no such public disclosure
shall be deemed to be voluntary when made without authorization by the Employee or any other employee of Company or the Bank or
any Affiliate of the Company or the Bank) or that has been independently developed and disclosed by others or that otherwise enters
the public domain through lawful means.&emsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Disability</U>&rdquo;
shall mean the inability of the Employee to perform each of the Employee&rsquo;s duties and responsibilities under this Agreement
for a period of more than 90 consecutive days; provided that the Parties agree that, to the extent necessary to comply with Section
409A of the Code, the definition of &ldquo;Disability&rdquo; shall be amended to the definition of disability required by Section
409A of the Code,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Employer
Information</U>&rdquo; shall mean, collectively, Confidential Information and Trade Secrets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Merger</U>&rdquo;
shall mean the merger of the Company with and into Cornerstone Bancshares, Inc. (&ldquo;<U>Cornerstone Bancshares</U>&rdquo;),
a Tennessee corporation, as contemplated by that certain Agreement and Plan of Merger, by and among the Company, the Bank, Cornerstone
Bancshares, and Cornerstone, dated December 5, 2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Post-Termination
Period</U>&rdquo; shall mean a period of 12 months following the effective date of the termination of the Employee&rsquo;s employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Severance
Benefit</U>&rdquo; shall mean any post-termination benefit(s) to be paid by the Employer pursuant to <U>Section 5(a)(ii)</U>, <U>Section
5(b)(i)</U>, or <U>Section 6</U> hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<U>Trade
Secrets</U>&rdquo; shall mean information of the Company or the Bank or any Affiliate of the Company or the Bank, including, without
limitation, technical and nontechnical data, formulas, patterns, compilations, programs, devices, methods, techniques, drawings,
processes, financial data, financial plans, product plans, and lists of actual or potential customers, prospects, or suppliers,
which:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;derives
economic value, actual or potential, from not being generally known to, and not being readily ascertainable by proper means by,
other persons who can obtain economic value from its disclosure or use; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;is
the subject of efforts that are reasonable under the circumstances to maintain its secrecy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee
Duties</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Position(s).</I>
The Employee will be employed as Executive Vice President and Chief Financial Officer of the Company and the Bank, and shall perform
and discharge faithfully the duties and responsibilities which may be assigned to the Employee from time to time in connection
with the conduct of the Employer&rsquo;s business. The duties and responsibilities of the Employee shall be commensurate with those
of individuals holding similar positions at other banks similarly situated. The Employee will report directly to the President
and Chief Executive Officer of the Company and the Bank, or such other officer as the Board of Directors may determine.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Full-Time
Status.</I> In addition to the duties and responsibilities specifically assigned to the Employee pursuant to <U>Section 2(a)</U>
hereof, the Employee shall:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;subject
to Section 2(c) hereof, during regular business hours devote substantially all of the Employee&rsquo;s time, energy, attention,
and skill to the performance of the duties and responsibilities of the Employee&rsquo;s employment (reasonable vacations, approved
leaves of absence, and reasonable absences due to illness excepted) and faithfully and industriously perform such duties and responsibilities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;diligently
follow and implement all reasonable and lawful policies and decisions communicated to the Employee; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;timely
prepare and forward to the requesting party or parties all reports and accountings as may be reasonably requested of the Employee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Permitted
Activities.</I> The Employee shall devote substantially all of the Employee&rsquo;s entire business time, attention, and energies
to the Business of the Employer and shall not, during the Term, be engaged (whether or not during normal business hours) in any
other significant business or professional activity, whether or not such activity is pursued for gain, profit, or other pecuniary
advantage, but as long as the following activities do not interfere with the Employee&rsquo;s obligations to the Employer, this
shall not be construed as preventing the Employee from:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investing
the Employee&rsquo;s personal assets in any manner which will not require any services on the part of the Employee in the operations
or affairs of the subject person and in which the Employee&rsquo;s participation is solely that of an investor; provided that such
investment activity following the Effective Date shall not result in the Employee owning, beneficially or of record, at any time
2% or more of the equity securities of any Competing Business; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;participating
in civic and professional affairs and organizations and conferences, preparing or publishing papers or books, or teaching, so long
as any such activities do not interfere with the ability of the Employee to effectively discharge the Employee&rsquo;s duties and
responsibilities hereunder; provided that the Board of Directors may direct the Employee in writing to resign from any such organization
and/or cease any such activities in the event the Board of Directors reasonably determines that continued membership and/or activities
of the type identified would not be in the best interests of the Employer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Term
of Employment</U>. The initial term of this Agreement (the &ldquo;<U>Initial Term</U>&rdquo;), and the Parties&rsquo; employment
relationship, shall commence on and as of the Effective Date and, unless this Agreement is sooner terminated in accordance with
its terms, shall end 011 the date which is the second anniversary of the Effective Date. At the end of the Initial Term (and at
the end of any one-year renewal term), this Agreement will automatically renew for an additional, successive term of one year,
unless the Employer or the Employee gives the other written notice of its intent to terminate this Agreement as of the end of the
Initial Term (or as of the end of the then-current renewal term) at least 60 days prior to the end of the Initial Term (or then-current
renewal term). The Initial Term and any and all renewal terms, if any, are referred to together herein as the &ldquo;<U>Term</U>.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compensation</U>.
The Employer shall compensate the Employee as follows during the Employee&rsquo;s period of employment hereunder, except as otherwise
provided below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Annual
Base Salary.</I> The Employee shall be compensated at an annual base rate of $175,000.00 per year (the &ldquo;<U>Annual Base Salary</U>&rdquo;).
The Employee&rsquo;s Annual Base Salary will be reviewed by the compensation committee of the Board of Directors at least annually
(in accordance with the committee&rsquo;s charter and any procedures adopted by the committee) for adjustments based on an evaluation
of the Employee&rsquo;s performance. The Employee&rsquo;s Annual Base Salary shall be payable in accordance with the Employer&rsquo;s
normal payroll practices.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Annual
Incentive Compensation.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Employee shall be eligible to receive annual bonus compensation as determined by, and based on performance measures established
by, the Board of Directors (upon recommendation by the compensation committee) consistent with the strategic plan(s) of the Employer
pursuant to any incentive compensation program that may be adopted from time to time by the Board of Directors (an &ldquo;<U>Annual
Bonus</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
Annual Bonus earned shall be payable in cash in the first calendar quarter of the year following the year in which the Annual Bonus
is earned, in accordance with the Employer&rsquo;s normal practices for the payment of short-term incentives. The payment of any
Annual Bonus shall be subject to any approvals or non-objections required by any regulator of the Company or the Bank or any Affiliate
of the Company or the Bank, and it is understood by the Parties that the Employee may not be eligible to receive any such Annual
Bonus or other short-term incentive compensation if the Company or the Bank or any Affiliate of the Company or the Bank is subject
to restrictions imposed on the Company or the Bank or any such Affiliate by the United States Department of the Treasury, the Board
of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, the Tennessee Department of Financial Institutions,
or any other bank or bank holding company regulatory authority, or if the Employer is otherwise restricted from making payment
of such compensation under applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Reimbursement
of Business Expenses.</I> Subject to the reimbursement policies from time to time adopted by the Board of Directors, and consistent
with the annual budget approved for the period during which an expense is incurred, the Employer will reimburse the Employee for
reasonable and necessary business expenses incurred by the Employee in the performance of the Employee&rsquo;s duties and responsibilities
hereunder; provided\ however, that, as a condition to any such reimbursement, the Employee shall submit verification of the nature
and amount of such expenses in accordance with said reimbursement policies. Examples of appropriate categories of reimbursable
expenses include memberships in professional and civic organizations, professional development, and customer entertainment. The
Employee acknowledges that the Employer makes no representation with respect to the taxability or non-taxability of the benefits
provided under this <U>Section 4(c)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Cellular
Telephone.</I> The Employer will provide the Employee with an allowance of $100 per month to offset cellular telephone costs incurred
by the Employee in the course of the Employee&rsquo;s employment for Employer-related business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Paid
Leave.</I> On a non-cumulative basis, the Employee shall be entitled to 20 days of paid leave per calendar year, prorated for any
partial calendar year of service. The provisions of this Section 4fe^ shall apply, notwithstanding any less generous paid leave
policy then maintained by the Employer, but the use of Employee&rsquo;s paid leave shall otherwise be in accordance with and subject
to the Employer&rsquo;s paid leave policy as in effect from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Other
Benefits.</I> In addition to the benefits specifically described in this Agreement, the Employee shall be entitled to such benefits
as may be available from time to time to similarly situated employees of the Employer, including, by way of example only, retirement
plan and health, dental, life, and disability insurance benefits. Ail such benefits shall be awarded and administered in accordance
with the written terms of any applicable benefit plan or, if no written terms exist, the Employer&rsquo;s standard policies and
practices relating to such benefits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Reimbursement
of Expenses; In-Kind Benefits.</I> All expenses eligible for reimbursement described in this Agreement must be incurred by the
Employee during the Term of this Agreement to be eligible for reimbursement. Any in-kind benefits provided by the Employer must
be provided during the Term of this Agreement. The amount of reimbursable expenses incurred, and the amount of any in-kind benefits
provided, in one taxable year shall not affect the expenses eligible for reimbursement, or in-kind benefits provided, in any other
taxable year. Each category of reimbursement shall be paid as soon as administratively practicable, but in no event shall any such
reimbursement be paid after the last day of the calendar year following the calendar year in which the expense was incurred. Neither
rights to reimbursement nor in-kind benefits shall be subject to liquidation or exchange for other benefits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Clawback
of Compensation.</I> The Employee agrees to return or repay any compensation previously paid or otherwise made available to the
Employee that is subject to recovery under any applicable law, rule, or regulation (including any rule of any exchange or service
on or through which the securities of the Company or any Affiliate of the Company are traded) where such compensation was in excess
of what should have been paid or made available because the determination of the amount due was based, in whole or in part, 011
materially inaccurate financial information of the Employer. The Employee agrees to return or repay promptly any such compensation
identified by the Employer. If the Employee fails to return or repay such compensation promptly, the Employee agrees that the amount
of such compensation may be deducted from any and all other compensation owed to the Employee. The Employee acknowledges that the
Employer may take appropriate disciplinary action (up to and including termination of employment) if the Employee fails to return
or repay such compensation. The provisions of this <U>Section 4(h)</U> shall be modified to the extent, and remain in effect for
the period, required by applicable law, rule, or regulation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
of Employment</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination
by Employer.</I> During the Term, the Employee&rsquo;s employment, and this Agreement, may be terminated by the Employer:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for
Cause, upon written notice to the Employee approved by two-thirds of the members of the Board of Directors, in which event the
Employee shall not be entitled to any post- termination compensation or benefits;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;at
any time without Cause (<I>provided</I> that the Bank shall give the Employee at least 30 days prior written notice of the Employer&rsquo;s
intent to terminate), in which event the Employer shall (1) be required to pay to the Employee a severance benefit equal to one
times the Employee&rsquo;s Annual Base Salary as of the date of termination, said benefit to be payable over the course of the
12-month period following termination in accordance with the Employer&rsquo;s normal payroll practices, and (2) reimburse the Employee
for the reasonable cost of premium payments paid by the Employee to continue the Employee&rsquo;s then-existing health insurance
for himself as provided by the Employer for the lesser of (A) 12 months following termination and (B) until such time as the Employee
obtains other employment providing health insurance coverage, provided that the Employer may discontinue reimbursing the Employee
for such premium payments for the applicable time period and instead provide a cash payment to the Employee (for the Employee to
use as the Employee deems appropriate) equal to the amount of the remainder of such reimbursable premium payments in the event
that the Employer determines that continued reimbursement of premium payments would cause a violation of applicable nondiscrimination
rules (for the avoidance of doubt, the termination of the Employee&rsquo;s employment by the Employer upon the disability of the
Employee under <U>Section 5(a)(iii)</U> below shall not be considered or deemed termination of the Employee&rsquo;s employment
without Cause under this <U>Section 5(a)(ii)</U>; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;at
any time upon the Disability of the Employee {provided that the Employer shall give the Employee at least 30 days prior written
notice of the Employer&rsquo;s intent to terminate), in which event the Employee will be entitled to such benefits (if any) as
may be available to the Employee under the Employer&rsquo;s disability insurance policy or policies (if any) then in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination
by Employee.</I> During the Term, the Employee&rsquo;s employment, and this Agreement, may be terminated by the Employee:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for
Cause, in which event the Employer shall (1) be required to pay to the Employee a severance benefit equal to (A) if termination
is for Cause as defined in <U>Section 1(f)(ii)(1)</U> or <U>Section 1(f)(ii)(3)</U> one times the Employee&rsquo;s Annual Base
Salary as of the date of termination, said benefit to be payable over the course of the 12-month period following termination in
accordance with the Employer&rsquo;s normal payroll practices, or (B) if termination is for Cause as defined in <U>Section 1(f)(ii)(2)</U>
one times the Employee&rsquo;s Annual Base Salary immediately before the reduction in salary and other compensation and benefits
giving rise to termination, said benefit to be payable over the course of the 12- month period following termination in accordance
with the Employer&rsquo;s normal payroll practices, and (2) reimburse the Employee for the reasonable cost of premium payments
paid by the Employee to continue the Employee&rsquo;s then-existing health insurance for himself as provided by the Employer for
the lesser of (A) 12 months following termination and (B) until such time as the Employee obtains other employment providing health
insurance coverage, provided that the Employer may discontinue reimbursing the Employee for such premium payments for the applicable
time period and instead provide a cash payment to the Employee (for the Employee to use as the Employee deems appropriate) equal
to the amount of the remainder of such reimbursable premium payments in the event that the Employer determines that continued reimbursement
of premium payments would cause a violation of applicable nondiscrimination rules; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;at
any time without Cause or upon the Disability of the Employee (provided that the Employee shall give the Employer at least 60 days
prior written notice of the Employee&rsquo;s intent to terminate), in which event the Employee shall not be entitled to any post-termination
compensation or benefits other than such benefits (if any) as may be available to the Employee under the Employer&rsquo;s disability
insurance policy or policies (if any) then in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination
by Mutual Agreement.</I> During the Term, the Employee&rsquo;s employment, and this Agreement, may be terminated at any time by
mutual, written agreement of the Parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination
Upon Death.</I> The Employee&rsquo;s employment, and this Agreement, shall terminate automatically upon the death of the Employee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Effect
of Termination; Resignation.</I> Upon the termination of the Employee&rsquo;s employment hereunder, the Employer shall have no
further obligations to the Employee or the Employee&rsquo;s estate, heirs, beneficiaries, executors, administrators, or legal or
personal representatives with respect to this Agreement, except for the payment of any amounts earned and owing under <U>Sections
4(a)-4(c)</U> hereof as of the effective date of the termination of the Employee&rsquo;s employment and any payment(s) required
by <U>Section 5(a)(ii)</U>, <U>Section 5(b)(i)</U>, or <U>Section 6</U> of this Agreement. Further, upon the termination of the
Employee&rsquo;s employment, if the Employee is a member of the Board of Directors or the board of directors of any Affiliate of
the Employer, the Employee shall, at the request of the Employer, resign from his position(s) on such board(s), with any and all
such resignations to be effective not later than the date on which the Employee&rsquo;s employment is terminated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Change
of Control</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If,
within 12 months following a Change of Control, the Employer (or any successor of or to the Employer) terminates the Employee&rsquo;s
employment without Cause, the Employee (or in the event of the Employee&rsquo;s subsequent death the Employee&rsquo;s estate or
designated beneficiary or beneficiaries, as the case may be) shall receive, as liquidated damages, in lieu of all other claims,
a severance payment equal to two times the Employee&rsquo;s Annual Base Salary as of the date of termination, such amount to be
paid in full in one lump sum payment on the last day of the month following the date of termination of the Employee&rsquo;s employment
Additionally, the Employee will continue to receive the health insurance plan benefits then in effect for employees of the Employer
for the lesser of (i) 12 months following termination and (ii) until such time as the Employee obtains other employment providing
health insurance plan benefits, to include payment of any Bank-funded portion of the plan; provided, however, that the Employer
may discontinue paying insurer(s) COBRA premiums for health insurance coverage for the applicable time period and instead provide
a cash payment to the Employee (for the Employee to use as the Employee deems appropriate) equal to the amount of the remainder
of such COBRA premiums in the event that the Employer determines that continued provision of a COBRA subsidy would cause a violation
of applicable nondiscrimination rules.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
within 12 months following a Change of Control the Employee terminates the Employee&rsquo;s employment with the Employer (or any
successor of or to the Company or the Bank) for Cause, the Employee (or in the event of the Employee&rsquo;s subsequent death the
Employee&rsquo;s estate or designated beneficiary or beneficiaries, as the case may be) shall receive, as liquidated damages, in
lieu of all other claims, a severance payment equal to (i) if termination is for Cause as defined in <U>Section 1(f)(ii)(l)</U>
or <U>Section 1(f)(ii)(3)</U>two times the Employee&rsquo;s Annual Base Salary as of the date of termination, such amount to be
paid in full in one lump sum payment on the last day of the month following the date of termination of the Employee&rsquo;s employment,
or (ii) if termination is for Cause as defined in <U>Section 1(f)(ii)(2)</U>. two times the Employee&rsquo;s Annual Base Salary
immediately before the reduction in salary and other compensation and benefits giving rise to termination, such amount to be paid
in full in one lump sum payment on the last day of the month following the date of termination of the Employee&rsquo;s employment.
Additionally, the Employee will continue to receive the health insurance plan benefits then in effect for employees of the Employer
for the lesser of (i) 12 months following termination and (ii) until such time as the Employee obtains other employment providing
health insurance plan benefits, to include payment of any Bank-funded portion of the plan; <I>provided, however, </I>that the Employer
may discontinue paying insurer(s) COBRA premiums for health insurance coverage for the applicable time period and instead provide
a cash payment to the Employee (for the Employee to use as the Employee deems appropriate) equal to the amount of the remainder
of such COBRA premiums in the event that the Employer determines that continued provision of a COBRA subsidy would cause a violation
of applicable nondiscrimination rules.&emsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employer
Information</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Ownership
of Employer Information.</I> All Employer information received or developed by the Employee or by the Company or the Bank or any
Affiliate of the Company or the Bank while the Employee is employed by the Employer shall be and will remain the sole and exclusive
property of the Company or the Bank or such Affiliate, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Obligations
of the Employee.</I> The Employee agrees:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
hold all Employer Information in strictest confidence;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to
not use, duplicate, reproduce, distribute, disclose, or otherwise disseminate Employer Information or any physical embodiments
of Employer Information to any unauthorized recipient; and &lsquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;in
any event, to not take any action causing any Employer Information to lose its character or cease to qualify as, and to not fail
to take any action necessary in order to prevent any Employer Information from losing its character or ceasing to qualify as, Confidential
Information or a Trade Secret; provided, however, that none of the foregoing obligations shall preclude the Employee from making
any disclosures of Employer Information which the Employee has been advised in writing by independent legal counsel are required
by applicable law, rule, or regulation. This Section 7 shall survive for a period of two years following the termination of this
Agreement for any reason with respect to Confidential Information, and shall survive the termination of this Agreement for any
reason for so long as is permitted by applicable law with respect to Trade Secrets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery
Upon Request or Termination.</I> Upon the request of the Employer, and in any event upon the termination of the Employee&rsquo;s
employment with the Employer, the Employee will promptly deliver to the Employer all property belonging to the Employer, including,
without limitation, all Employer Information then in the Employee&rsquo;s possession or control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Competition;
Non-Solicitation; Non-Disparagement</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Non-Competition.</I>
The Employee agrees that during the period of the Employee&rsquo;s employment by the Employer hereunder and, in the event of the
termination of the Employee&rsquo;s employment, for the period of time in which the Employee is entitled to receive any Severance
Benefit, the Employee will not (except on behalf of or with the prior written consent of the Employer):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;within
the Area, either directly or indirectly, on the Employee&rsquo;s own behalf or in the service of or on behalf of others, engage
in any business, activity, enterprise, or venture competitive with the Business of the Employer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;within
the Area, either directly or indirectly, perform for any Competing Business any services that are the same as, or substantially
the same as, the services the Employee provides or provided for the Employer;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;within
the Area, accept employment with or be employed by any person engaged in any business, activity, enterprise, or venture competitive
with the Business of the Employer; or&emsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;work
for or with, consult for, or otherwise be affiliated with, in either a paid or unpaid capacity, or be employed by any person or
group of persons proposing to establish a new bank or other financial institution within the Area.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Non-Solicitation
of Customers.</I> The Employee agrees that, during the period of the Employee&rsquo;s employment by the Employer hereunder and,
in the event of the termination of the Employee&rsquo;s employment for any reason, for the duration of the Post-Termination Period,
the Employee will not, directly or indirectly (except on behalf of or with the prior written consent of the Employer), on the Employee&rsquo;s
own behalf or in the service of or on behalf of others, solicit, divert, or appropriate, or attempt to solicit, divert, or appropriate,
any business from any of the customer of the Company, the Bank, or any Affiliate of the Company or the Bank, including prospective
customers actively sought by the Company, the Bank, or any Affiliate of the Company or the Bank, with whom the Employee has or
had contact during the last two years of the Employee&rsquo;s employment with the Employer, for purposes of selling, offering,
or providing products or services that are competitive with those sold, offered, or provided by the Company, the Bank, or any Affiliate
of the Company or the Bank,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Non-Solicitation
of Employees.</I> The Employee agrees that, during the period of the Employee&rsquo;s employment by the Employer hereunder and,
in the event of the termination of the Employee&rsquo;s employment for any reason, for the duration of the Post-Termination Period,
the Employee will not, directly or indirectly (except on behalf of or with the prior written consent of the Employer), on the Employee&rsquo;s
own behalf or in the service of or on behalf of others, solicit, recruit, or hire away, or attempt to solicit, recruit, or hire
away, any employee of the Company, the Bank, or any Affiliate of the Company or the Bank with whom the Employee had contact during
the last two years of the Employee&rsquo;s employment with the Employer, regardless of whether such employee is a full-time, part-time,
or temporary employee of the Company, the Bank, such an Affiliate of the Company or the Bank or such employee&rsquo;s employment
is pursuant to a written agreement, for a determined period, or at will.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Non-Disparagement.</I>
TheEmployee agrees that, during the period of the Employee&rsquo;s employment by the Employer hereunder and for a period of two
years thereafter, the Employee will not make any untruthful statement (written or oral) that is or could reasonably be perceived
as disparaging to the Company, the Bank, or any Affiliate of the Company or the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Modification.</I>
The Parties agree that the provisions of this Agreement represent a reasonable balancing of their respective interests and have
attempted to limit the restrictions imposed on the Employee to those necessary to protect the Employer from inevitable disclosure
of Confidential Information and Trade Secrets and/or unfair competition. The Parties agree that, if the scope or enforceability
of this Agreement is in any way disputed at any time and an arbitrator, court, or other trier of fact determines that the scope
of the restrictions contained in this Agreement is overbroad, then such arbitrator, court, or other trier of fact may modify the
scope of the restrictions contained in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Tolling.</I>
The Employee agrees that, in the event the Employee breaches this Section 8. the Post-Termination Period shall be tolled during
the period of such breach and shall be extended to 12 months after all breaches of this Agreement have ceased.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Remedies.</I>
The Employee agrees that the covenants contained in <U>Section 7</U> and <U>Section 8</U> of this Agreement are of the essence
of this Agreement; that each of such covenants is reasonable and necessary to protect the business, interests, and properties of
the Employer and its Affiliates; and that irreparable loss and damage will be suffered by the Employer should the Employee breach
any of such covenants. Therefore, the Employee agrees and consents that, in addition to any and all other remedies provided by
or available at law or in equity, the Employer shall be entitled to a temporary restraining order and temporary and permanent injunctions
to prevent a breach or threatened or contemplated breach of any of the covenants contained in Section 7 or Section 8 of this Agreement,
and that, in such event, the Employer shall not be required to post a bond. The Employer and the Employee agree that all remedies
available to the Employer shall be cumulative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.
The Parties agree that each of the provisions included in this Agreement is separate, distinct, and severable from the other provisions
of this Agreement and that the invalidity or unenforceability of any provision of this Agreement shall not affect the validity
or enforceability of any other provision of this Agreement. Further, if any provision of this Agreement is ruled invalid or unenforceable
by a court of competent jurisdiction because of a conflict between the provision and any applicable law, rule, regulation, or public
policy, the provision shall be redrawn to make the provision consistent with, and valid and enforceable under, such law, rule,
regulation, or public policy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Set-Off by Employee</U>. The existence of any claim, demand, action, or cause of action by the Employee against the Company, the
Bank, or any Affiliate of the Company or the Bank, whether predicated upon this Agreement or otherwise, shall not constitute a
defense to the enforcement by the Employer of any of the Employer&rsquo;s rights hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.
All notices, requests, waivers, and other communications required or permitted hereunder shall be in writing and shall be either
personally delivered; sent by national overnight courier service, postage prepaid, next-business-day delivery guaranteed; or mailed
by first class United States Mail, postage prepaid return receipt requested, to the recipient at the address below indicated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse; margin-left: 1in">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 47%; font-size: 10pt">If to the Employer:</TD>
    <TD STYLE="width: 53%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SmartFinanciai, Inc.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SmartBank</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Attention: President &amp; Chief Executive Officer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">5401 Kingston Pike Suite 600</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Knoxville, Tennessee 37919</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">If to the Employee:</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">C. Bryan Johnson</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">4618 Alta Vista Way</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Knoxville, Tennessee 37919</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or to such other address or to the attention
of such other person as the recipient Party shall have specified by prior written notice to the sending Party. All such notices,
requests, waivers, and other communications shall be deemed to have been effectively given: (a) when personally delivered to the
Party to be notified; (b) two business days after deposit with a national overnight courier service, postage prepaid, addressed
to the Party to be notified as set forth above with next-business-day delivery guaranteed; or (c) four business days after deposit
in the United States Mail, first class, postage prepaid with return receipt requested, at any time other than during a general
discontinuance of postal service due to strike, lockout, or otherwise (in which case such notice, request, waiver, or other communication
shall be effectively given upon receipt), and addressed to the Party to be notified as set forth above. A Party may change such
Party&rsquo;s notice address set forth above by giving the other Party 10 days written notice of the new address in the manner
set forth above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment</U>.
The rights and obligations of the Company and the Bank under this Agreement shall inure to the benefit of and shall be binding
upon the successors and assigns of the Company and the Bank, including, without limitation, a purchaser of all or substantially
all of the assets of the Company or the Bank. If this Agreement is assigned pursuant to the foregoing sentence, the assignment
shall be by novation, and the assigning Party shall have no further liability hereunder, and the successor or assign shall become
the &ldquo;Company&rdquo; or the &ldquo;Batik,&rdquo; as applicable, hereunder, but the Employee will not be deemed to have experienced
a termination of employment by virtue of such assignment. Without limiting the generality of the foregoing, the Parties expressly
acknowledge and agree that, in the event of any merger of the Company with and into Cornerstone, Cornerstone as the surviving company
of such merger will, as successor by merger to the Company, succeed to all rights and obligations of the Company hereunder, without
any further action by the Parties, and that at and after the effective time of such merger, all references in this Agreement to
the &ldquo;Company&rdquo; shall be references to Cornerstone as successor by merger to the Company. This Agreement is a personal
contract and the rights and interest of the Employee may not be assigned by the Employee. This Agreement shall inure to the benefit
of and be enforceable by the Employee and the Employee&rsquo;s personal or legal representatives, executors, administrators, successors,
heirs, distributees, devisees, and legatees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver</U>.
A waiver by one Party to this Agreement of any provision of this Agreement or of any breach of this Agreement by any other Party
to this Agreement shall not be effective unless in writing, and no waiver shall operate or be construed as a waiver of the same
or any other provision or breach on any other or subsequent occasion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Mediation</U>.
Except with respect to <U>Section 7</U>, <U>Section 8</U>, and <U>Section 22</U> hereof, and except as provided in <U>Section 15</U>
hereof, in the event of any dispute arising out of or relating to this Agreement, or a breach hereof, which dispute cannot be settled
through direct discussions between the Parties, the Parties agree to first endeavor to settle the dispute in an amicable manner
by non-binding mediation in accordance with the rules of alternative dispute resolution of the State of Tennessee for the judicial
circuit containing Knox County, Tennessee before resorting to any other process for resolving the dispute.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Applicable
Law and Choice of Forum</U>. This Agreement shall be governed by and construed and enforced under and in accordance with the laws
of the State of Tennessee, without regard to or the application of principles of conflicts of laws. The Parties agree that any
legal action or proceeding arising under or relating to this Agreement shall be brought in a state court of record located in Knox
County, Tennessee, or, in the event (but only in the event) that no such state court has subject matter jurisdiction over such
action or proceeding, in the United States District Court for the Eastern District of Tennessee, which courts shall have exclusive
jurisdiction over any such action or proceeding. Each Party consents to, and waives any objection such Party may otherwise have
to, the jurisdiction and venue of such courts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interpretation</U>.
Words used herein importing any gender include all genders. Words used herein importing the singular shall include the plural and
vice versa. When used herein, the terms &ldquo;herein,&rdquo; &ldquo;hereunder,&rdquo; &ldquo;hereby,&rdquo; &ldquo;hereto,&rdquo;
and &ldquo;hereof,&rdquo; and any similar terms, refer to this Agreement, When used herein, the term &ldquo;person&rdquo; shall
include an individual, a corporation, a limited liability company, a partnership, an association, a trust, and any other entity
or organization, whether or not incorporated. Any captions, titles, or headings preceding the text of any section or subsection
of this Agreement are solely for convenience of reference and shall not constitute part of this Agreement or affect its meaning,
construction, or effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire
Agreement</U>. This Agreement embodies the entire, final, and integrated agreement of the Parties on the subject matter stated
in this Agreement. No amendment or supplement to or modification of this Agreement shall be valid or binding upon the Employer
or the Employee unless made in a writing signed by all of the Parties. All prior understandings and agreements relating to the
subject matter of this Agreement are hereby expressly terminated.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;.&emsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">18.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.
This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which together shall be deemed
to be one and the same agreement. A signed copy of this Agreement delivered by facsimile, e-mail, or other means of electronic
transmission shall be deemed to have the same legal effect as delivery of an original signed copy of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">19.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rights
of Third Parties</U>. Nothing herein expressed is intended to or shall be construed to confer upon or give to any person, other
than the Parties hereto and their successors and permitted assigns, any rights or remedies under or by reason of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">20.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Legal
Fees. In the event of any claim, action, suit, or proceeding arising out of or in any way relating to this Agreement, the prevailing
Party or Parties shall be entitled to recover from the non- prevailing Party or Parties all reasonable fees, expenses, and disbursements,
including, without limitation, reasonable attorneys&rsquo; fees and court costs, incurred by such prevailing Party or Parties in
connection with such claim, action, suit, or proceeding, in addition to any other relief to which such prevailing Party or Parties
may be entitled at law or in equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">21.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Survival</U>.
The obligations of the Parties pursuant to <U>Sections 4(h)</U>, <U>7</U>, <U>8</U>, <U>14</U>, 15, <U>20</U>, <U>21</U>, <U>23</U>,
<U>24</U>, <U>25</U>, <U>26</U>, and <U>27</U> shall survive the expiration and/or termination of this Agreement and/or the termination
of the Employee&rsquo;s employment hereunder for the periods expressly designated under such sections or, if no such period is
designed, for the maximum period permissible under applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">22.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representation
Regarding Restrictive Covenants</U>. The Employee represents that the Employee is not and will not become a party to any non-competition
or non-solicitation agreement or any other agreement which would prohibit the Employee from entering into this Agreement or providing
the services for the Employer contemplated by this Agreement on or after the Effective Date. In the event the Employee is subject
to any such agreement, this Agreement shall be rendered null and void and the Employer shall have no obligations to the Employee
under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">23.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Right
to Contact</U>. The Employee acknowledges and agrees that the Employer shall retain and have the right to contact any new employer
or potential employer (or other business) and apprise such person of the Employee&rsquo;s responsibilities and obligations owed
under this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">24.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Section
409A</U>. It is the intent of the Parties for any payment to which the Employee is entitled under this Agreement to be exempt from
Section 409A of the Code to the maximum extent permitted under Section 409A of the Code. However, if any amounts payable are considered
to be &ldquo;nonqualified deferred compensation&rdquo; subject to Section 409A of the Code, such amounts shall be paid and provided
in a manner that, and at such time and in such form as, complies with the applicable requirements of Section 409A of the Code to
avoid the unfavorable tax consequences provided therein for non-compliance. Neither the Employee nor the Employer shall intentionally
take any action to accelerate or delay the payment of any amounts in any manner which would not be in compliance with Section 409A
of the Code without the consent of the other Party. For purposes of this Agreement, all rights to payments shall be treated as
rights to receive a series of separate payments to the fullest extent allowed by Section 409A of the Code. To the extent that some
portion of the payments provided for under this Agreement may be bifurcated and treated as exempt from Section 409A of the Code
under the &ldquo;short- term deferral&rdquo; or &ldquo;separation pay&rdquo; exemptions, then such amounts may be so treated as
exempt from Section 409A of the Code.&emsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">25.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Withholding
of Taxes.</I> The Employer may deduct and withhold from any amounts payable under this Agreement all federal, state, city, or other
taxes the Employer is required to deduct or withhold pursuant to applicable law, rule, regulation, or ruling.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Excise
Taxes.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that any amounts payable under this Agreement or otherwise to the Employee would (1) constitute &ldquo;parachute payments&rdquo;
within the meaning of Section 280G of the Code or any comparable successor provision and (2) but for this <U>Section 25(b)</U>.
be subject to the excise tax imposed by Section 4999 of the Code or any comparable successor provision (the &ldquo;<U>Excise Tax</U>&rdquo;),
then such amounts payable to the Employee shall be either (y) provided to the Employee in full or (z) provided to the Employee
to the maximum extent that would result in no portion of such benefits being subject to the Excise Tax, whichever of the foregoing
amounts, when taking into account applicable federal, state, local, and foreign income and employment taxes, the Excise Tax, and
any other applicable taxes, results in the Employee&rsquo;s receipt, on an after-tax basis, of the greatest amount of benefits,
notwithstanding that all or some portion of such benefits may be taxable under the Excise Tax. Unless the Employer and the Employee
otherwise agree in writing, any determination required under this <U>Section 25(b)</U> shall be made in writing in good faith by
the Employer&rsquo;s independent accounting firm (the &ldquo;<U>Independent Accountants</U>&rdquo;). In the event of a reduction
in benefits hereunder, the reduction of the total payments shall apply as follows, unless otherwise agreed in writing and such
agreement is in compliance with Section 409A of the Code: (1) any cash severance payments subject to Section 409A of the Code due
under this Agreement shall be reduced, with the last such payment due first forfeited and reduced, and sequentially thereafter
working from the next last payment; (2) any cash severance payments not subject to Section 409A of the Code due under this Agreement
shall be reduced, with the last such payment due first forfeited and reduced, and sequentially thereafter working from the next
last payment; (3) any acceleration of vesting of any equity subject to Section 409A of the Code shall remain as originally scheduled
to vest, with the tranche that would vest last (without any such acceleration) first remaining as originally scheduled to vest;
and (4) any acceleration of vesting of any equity not subject to Section 409A of the Code shall remain as originally scheduled
to vest, with the tranche that would vest last (without any such acceleration) first remaining as originally scheduled to vest.
For purposes of making the calculations required by this <U>Section 25(b)</U>, the Independent Accountants may make reasonable
assumptions and approximations concerning applicable taxes and may rely on reasonable, good-faith interpretations concerning the
application of the Code and other applicable legal authority. The Employer and the Employee shall furnish to the Independent Accountants
such information and documents as the Independent Accountants may reasonably request in order to make a determination under this
<U>Section 25(b)</U>. The Employer shall bear all costs that the Independent Accountants may reasonably incur in connection with
any calculations contemplated by this <U>Section 25(b)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
notwithstanding any reductions described in this <U>Section 25(b)</U> the Internal Revenue Service (the &ldquo;IRS&rdquo;) determines
that the Employee is liable for the Excise Tax as a result of the receipt of amounts payable under this Agreement or otherwise
as described above, then the Employee shall be obligated to pay back to the Employer, within 30 days after a final IRS determination
or, in the event that the Employee challenges the final IRS determination, a final judicial determination, a portion of such amounts
equal to the Repayment Amount. The &ldquo;<U>Repayment Amount</U>,&rdquo; with respect to the payment of benefits, shall be the
smallest such amount, if any, that is required to be paid to the Employer so that the Employee&rsquo;s net after-tax proceeds with
respect to any payment of benefits (after taking into account the payment of the Excise Tax and all other applicable taxes imposed
on such payment) are maximized. The Repayment Amount with respect to the payment of benefits shall be zero if a Repayment Amount
of more than zero would not result in the Employee&rsquo;s net after-tax proceeds with respect to the payment of such benefits
being maximized. If the Excise Tax is not eliminated pursuant to this <U>Section 25(b)</U>, the Employee shall pay the Excise Tax.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
any other provision of this <U>Section 25(b)</U>, if (1) there is a reduction in the payment of benefits as described in this <U>Section
25(b)</U>, (2) the IRS later determines that the Employee is liable for the Excise Tax, the payment of which would result in the
maximization of the Employee&rsquo;s net after-tax proceeds (calculated as if the Employee&rsquo;s benefits had not previously
been reduced), and (3) the Employee pays the Excise Tax, then the Employer shall pay to the Employee those benefits which were
reduced pursuant to this <U>Section 25(b)</U> as soon as administratively possible after the Employee pays the Excise Tax, so that
the Employee&rsquo;s net after-tax proceeds with respect to the payment of benefits are maximized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">26.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Restrictions</U>. The Parties expressly acknowledge and agree that (a) any and all payments contemplated by this Agreement are
subject to and conditioned upon their compliance with 12 U.S.C. &sect; 1828(k) and 12 C.F.R. Fart 359, as such laws and regulations
may be amended from time to time, and (b) the obligations of Parties under this Agreement are generally subject to such conditions,
restrictions, and limitations as may be imposed from time to time by applicable state and/or federal banking laws, rules, and regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">27.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Nature
of Employer Obligations</U>. The obligations of the Company and the Bank hereunder shall be joint and several.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">28.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect
on Prior Agreements and Existing Benefits Plans</U>. This Agreement contains the entire understanding between the Parties and supersedes
any prior employment agreement, whether written or oral, between the Company, the Bank, and the Employee. This Agreement shall
not affect or operate to reduce any benefit or compensation inuring to the Employee of a kind elsewhere provided, and no provision
of this Agreement shall be interpreted to mean that the Employee is subject to receiving fewer benefits than those available to
the Employee without reference to this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">{Signature Page Follows)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the Parties have executed and delivered this Agreement as of the date first written above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>BANK:</TD>
    <TD COLSPAN="2">SMARTBANK</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="width: 46%; border-bottom: Black 1pt solid"><I>/s/ William Y. Carroll, Jr.</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>William Y. Carroll, Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><I>President &amp; Chief Executive Officer</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>COMPANY:</TD>
    <TD COLSPAN="2">SMARTFINANCIAL, INC.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: Black 1pt solid"><I>/s/ William Y. Carroll, Jr.</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>William Y. Carroll, Jr.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><I>President &amp; Chief Executive Officer</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>EMPLOYEE:</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid"><I>/s/ C. Bryan Johnson</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">C. Bryan Johnson</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Signature Page to Johnson Employment Agreement)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<DESCRIPTION>EXHIBIT 10.5
<TEXT>
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<P STYLE="margin: 0; text-align: right">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Exhibit 10.5</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 10pt; border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 24pt"><B>SmartBank</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 24pt"><B>STOCK
OPTION PLAN</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.25in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr>
    <td style="vertical-align: top; width: 6%; text-align: justify"><font style="font-size: 10pt">Section</font></td>
    <td style="vertical-align: top; width: 87%; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; width: 7%; text-align: right"><font style="font-size: 10pt">Page</font></td></tr>
<tr>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">No.</font></td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">No.</font></td></tr>
<tr>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">1.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Establishment and Purpose of the Plan</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">1</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">2.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Definitions.</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">1</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">3.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Eligibility</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">2</font></td></tr>
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    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
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    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">4.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Plan Administration</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">2</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">5.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Shares Subject to the Plan</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">2</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">6.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Types of Grants</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">2</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">7.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Options</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">3</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">8.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Exercise of Options</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">4</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
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    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">9.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Adjustments Upon Changes in Capitalization.</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">4</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
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    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">10.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Termination and Amendment.</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">4</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
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    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">11.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Non-Assignability.</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">5</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">12.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Exercise by Estate.</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">5</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">13.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">General Provisions.</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">5</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">14.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Change of Control of the Bank.</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">5</font></td></tr>
<TR STYLE="background-color: White">
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: top; text-align: justify">&nbsp;</td>
    <td style="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">15.</font></td>
    <td style="vertical-align: top; text-align: justify"><font style="font-size: 10pt">Undercapitalization</font></td>
    <td style="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">6</font></td></tr>
</table>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 18pt"><B>SmartBank
</B></FONT><FONT STYLE="font-size: 10pt">(the &quot;Bank&quot;) STOCK OPTION PLAN</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><U>1.</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Establishment
and Purpose of the Plan.</U> The purpose of this Plan is to provide a flexible means of compensation and motivation for outstanding
performance by employees of the Bank and its Subsidiaries, directors of the Bank, and organizers of the Bank to further the growth
and profitability of the Bank through the grant of equity or equity-related interests in the Bank.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><U>2.</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions.</U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in"><U>Bank.</U> SmartBank,
a bank chartered under the laws of Tennessee, and any successor or transferee of substantially all of its business or assets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.4in; text-align: justify"><U>Board or Board of Directors.</U>
The Board of Directors of the Bank. <U>Common Stock.</U> The common stock of the Bank, $1.00 par value.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in"><U>Employee.</U> A
full-time employee of the Bank or a Subsidiary, including an officer who is such an employee.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in"><U>Fair Market Value.</U>
The fair market value of the shares of Common Stock as of such date as determined in good faith by the Board of Directors.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in"><U>Incentive Stock
Option.</U> Any Option intended to meet the requirements of an incentive stock option as defined in Section 422.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.4in; text-align: justify"><U>Non-Qualified Stock Option.</U>
Any Option not intended to be an Incentive</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Stock Option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in"><U>Option.</U> An option
to purchase shares of Common Stock granted under the Plan, including both an Incentive Stock Option and a Non-Qualified Stock Option,
evidenced by a written Stock Option Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in"><U>Person.</U> An individual,
a partnership, a corporation, or any other private, governmental or other entity.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in">Plan. The SmartBank
Stock Option Plan herein set forth, as the same may from time to time be amended.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.4in"><U>Rule 16b-3.</U>
Rule 16b-3 under the Securities Exchange Act of 1934, as amended, and any successor rule or regulation.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in"><U>Section
422.</U> Section 422 of the Internal Revenue Code of 1986, as amended, or any successor statute.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in"><U>Subsidiary.</U>
Any business association (including a corporation or a partnership) in an unbroken chain of such associations beginning with the
Bank if each of the associations (other than the last association in such chain) owns equity interests possessing 50% or more of
the combined voting power of all classes of equity interests in one of the other associations in such chain.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.95in"><U>3.</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Eligibility.
</U>A grant under this Plan may be made to any Employee, any director of the Bank, or any organizer as to whom the Board of Directors
determines that making such grant is in the best interests of the Bank; provided, however, that (1) no grant may be made to a
director of the Bank who serves on the Board of Directors other than as provided under Rule 16b-3, and (ii) no grant of an Incentive
Stock Option may be made to a person other than an Employee.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.95in"><U>4.</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Plan
Administration.</U> This Plan shall be administered by the Board of Directors. The Board of Directors shall have full power to
interpret and administer this Plan and full authority to act in selecting the grantees and in determining type and amount of grants,
the terms and conditions of grants, and the terms of agreements that will be entered into with grantees governing such grants.
The Board of Directors shall have the power to make rules and guidelines for carrying out the Plan and to make changes in such
rules and guidelines from time to time as it deems proper. Any interpretation by the Board of Directors of the terms and provisions
of the Plan and the administration thereof and all action taken by the Board of Directors shall be final and binding.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.95in"><U>5.</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shares
Subject to the Plan.</U> Subject to adjustment as provided in Section 9, the total number of shares of Common Stock initially
available for grant under this Plan shall be fixed at <U>twenty-five percent (25%)</U> of the number of shares of the Bank's Common
Stock sold to subscribers in the initial offering of the Bank's Common Stock, or <U>500,000 shares.</U> Common Stock issued hereunder
may consist, in whole or in part, of authorized and un-issued shares, treasury shares and shares acquired in the open market or
by private purchase by the Bank. Any Common Stock that is purchased shall be purchased by the Bank at prices no higher than the
Fair Market Value of such Common Stock at the time of purchase. If for any reason any shares of Common Stock issued under any
grant hereunder are forfeited or canceled, or a grant otherwise terminates or is terminated for any reason without the issuance
of any shares, then all such shares, to the extent of any such forfeiture, cancellation or termination, shall again be available
for grant under this Plan.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.95in"><U>6.</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Types
of Grants.</U> The Board of Directors may make such grants under this Plan as in its discretion it deems advisable to effect the
purpose of the Plan, including without limitation grants of Incentive Stock Options and Non-Qualified Stock Options. Such grants
may be issued separately or in combination, or in tandem, and additional grants may be issued in combination, or in tandem, with
grants previously issued under this Plan or otherwise. As used in this Plan, references to grants in tandem shall mean grants
consisting of more than one type of grant where the exercise of one element of the grant causes the cancellation of one or more
other elements of the grant.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Options.</U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.45in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Option granted hereunder shall have such terms and conditions as the Board of Directors shall determine in accordance with this
Plan. A grantee shall have no rights of a shareholder with respect to any shares of Common Stock subject to an Option unless and
until a certificate for such shares shall have been issued. Each Option shall have a term as determined by the Board of Directors,
except as otherwise provided below with respect to Incentive Stock Options.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.45in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following provisions shall apply to Incentive Stock Options granted under this plan:</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.9in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
the provisions of Section 422 and the regulations thereunder as in effect from time to time are hereby incorporated by reference
herein with respect to Incentive Stock Options to the extent that their inclusion in this Plan is necessary from time to time to
preserve their status as incentive stock options for purposes of Section 422. Each provision of the Plan and each agreement relating
to an Incentive Stock Option shall be construed so that it shall be an incentive stock option for purposes of Section 422, but
to the extent that such grants for any reason fail to qualify as Incentive Stock Options then such grants shall be deemed Non-Qualified
Stock Options.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.9in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
Incentive Stock Option shall have a term exceeding ten years from the date of the grant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.9in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.9in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An Incentive
Stock Option granted to an Employee who, at the time the option is granted, owns more than 10% of the total combined voting power
of all classes of stock of the Bank, its parent of any Subsidiary shall:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2.4in">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;have
an exercise price not less than 110% of the Fair Market Value of shares of Common Stock as of the date the Option is granted; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 2.4in">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;have
a term of no more than five years from the date of the grant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.9in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.9in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The aggregate
Fair Market Value of the shares of Common Stock (determined as of the respective date(s) of the grant(s) of the Incentive Stock
Option(s)), for which one or more grant(s) of Incentive Stock Options are exercisable for the first time by an Employee during
any calendar year (under this Plan or any other plan of the Bank or the parent or any subsidiary of the Bank) shall not exceed
$100,000. To the extent the Options for additional shares of Common Stock are or become exercisable during such calendar that exceed
$100,000, such Options shall be treated as Non-Qualified Stock Options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.95in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.95in">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exercise
of Options.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
exercise price of an Option or other grants shall equal at least 100% of the Fair Market Value of the shares of Common Stock on
the date of the grant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
exercise price shall be paid in cash or certified or cashier's check payable to the order of the Bank. The Board of Directors shall
determine the methods by which shares of stock shall be delivered or deemed delivered to the grantee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Bank shall have the authority and the right to deduct or withhold, or require the grantee to remit to the Bank, an amount sufficient
to satisfy federal, state and local income taxes (including the grantee's share of Social Security taxes) required by law to be
withheld with respect to any taxable event arising as a result of participation in the Plan. With respect to withholding required
upon any taxable event under the Plan, the Board of Directors may require that any such withholding requirement be satisfied, in
whole or in part, by withholding shares of stock having a fair market value on the date of exercise equal to the amount to be withheld
for tax purposes, all in accordance with such procedures as the Board of Directors shall establish.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.95in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.95in">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Adjustments
Upon Changes in Capitalization.</U> In the event of a</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify">reorganization, recapitalization,
stock split, stock dividend, issuance of securities convertible into Common Stock, combination of shares, merger, consolidation
or any other change in the corporate structure of the Bank affecting Common Stock, or a sale by the Bank of all or substantially
all of its assets, or any distribution to shareholders other than a normal cash dividend, or any assumption or conversion of outstanding
grants as a result of an acquisition, and except as otherwise provided in an agreement between the grantee and the Bank, the Board
of Directors shall make appropriate adjustment in the number and kind of shares authorized by the Plan and any adjustments in outstanding
grants of Options as it deems appropriate to maintain equivalent value; provided, however, that adjustments to Incentive Stock
Options shall meet the applicable requirements of Section 422 and Section 424 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.95in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.95in">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
and Amendment.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Plan shall be effective upon approval by the shareholders of the Bank, and shall terminate on the tenth anniversary of such date.
It shall remain in full force and effect during such period unless earlier terminated by the Board of Directors, which shall have
the power to amend, suspend, terminate or reinstate this Plan at any time, provided that no amendment which increases the number
of shares of Common Stock subject to the Plan, modifies the category of Persons eligible for grants under the Plan, or materially
adversely affects the availability of Rule 16b-3 with respect to this Plan, shall be made without shareholder approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without
limiting the generality of the foregoing, the Board of Directors may (i) amend any limitations in this Plan if and when they are
no longer required under Rule 16b-3 or Section 422 and (ii) amend the provisions of this Plan to assure its continued compliance
with Rule 16b-3 and Section 422.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.95in">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Assignability. </U>Grants
are not transferable other than by will or the laws of descent and distribution, except that grants to organizers may be
transferable as specified in an agreement between the grantee and the Bank. Except as provided in such agreement or
otherwise herein, a grant is exercisable during the grantee's lifetime only by the grantee or his or her guardian or legal
representative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.95in">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exercise
by Estate.</U> Any provision of this Plan to the contrary notwithstanding, unless otherwise determined by the Board of
Directors, the estate of any grantee shall have one year from the date of death of a grantee to exercise any grant hereunder,
or such longer period as the Board of Directors may determine; provided, however, this provision shall not extend the term of
an Incentive Stock Option beyond ten years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.95in">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General
Provisions.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nothing
contained in this Plan, or in any grant made pursuant to the Plan, shall confer upon any grantee any right with respect to terms,
conditions or continuance of employment by the Bank or any Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of this Plan, transfer of employment between the Bank and any of its Subsidiaries shall not be deemed termination of employment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Appropriate
provision may be made by the Board of Directors for all taxes required to be withheld in connection with any grant, the exercise
thereof, and the transfer of shares of Common Stock, in respect of any federal, state, local or foreign withholding taxes. In the
case of payment in the form of Common Stock, the Bank shall have the right to retain the number of shares of Common Stock whose
Fair Market Value equals the amount to be withheld.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any day on or before which such action by the Plan must be taken falls on a Saturday, Sunday or legal holiday, such action may
be taken on the next succeeding day which is not a Saturday, Sunday or legal holiday.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Plan and all determinations made and actions taken pursuant thereto shall be governed by the substantive laws and procedural provisions
of the State of Tennessee, without regard to principles of conflicts of laws, unless otherwise governed by federal law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Board of Directors may amend any outstanding grants to the extent it deems appropriate, provided that the grantee's consent shall
be required in the case of amendments adverse to the grantee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Change
of Control of the Bank.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 1.4in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
provision of this Plan to the contrary notwithstanding, in the event of a change in control of the Bank resulting in the loss of
a grantee's position as a senior management official and/or director, unless (i) otherwise directed by the Board of Directors by
resolution adopted prior to such Change in Control or within ten days thereafter or (ii) otherwise provided in the agreement entered
into between the Bank and a grantee, the grant(s) to such grantee(s) outstanding under this Plan shall become completely vested
and immediately exercisable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.45in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.45in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of
this Section, &quot;Change in Control&quot; of the Bank shall mean the occurrence of one or more of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.45in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;acquisition
in one or more transactions of 25 percent or more of the Common Stock by any Person, or by two or more Persons acting as a group,
other than directly from the Bank;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.45in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;acquisition
in one or more transactions of at least 15 percent but less than 25 percent of the Common Stock by any Person, or by two or more
Persons acting as a group (excluding officers and directors of the Bank), and the adoption by the Board of Directors of a resolution
declaring that a change in control of the Bank has occurred;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.45in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a
merger, consolidation, reorganization, recapitalization or similar transaction involving the securities of the Bank upon the consummation
of which more than 50 percent in voting power of the voting securities of the surviving corporation(s) is held by Persons other
than former shareholders of the Bank; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 1.45in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25
percent or more of the directors elected by shareholders of the Bank to the Board of Directors are persons who were not listed
as nominees in the Bank's then most recent proxy statement (the &quot;New Directors&quot;), unless a majority of the members of
the Board of Directors, excluding the New Directors, vote that no change of control shall have occurred by virtue of the election
of the New Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.45in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
grants shall become exercisable pursuant to this Section, the Bank shall use its best efforts to assist the grantees in exercise
of their grants in such a manner as to avoid liability to the Bank for profits under Section 16(b) of the Securities Exchange Act
of 1934, as amended, as a result of such exercise, including (not by way of limitation) explanation of and assistance in meeting
the requirements of Paragraph (e) of Rule 16b-3.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.95in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.95in">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Undercapitalization.</U>
In the event the Bank's capital falls below minimum regulatory requirements, as determined by the Bank's primary state or federal
regulator, the Bank's primary state or federal regulator may direct the Bank to require any holder of Options under this Plan to
exercise or forfeit their stock rights under those grants.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">This SmartBank Stock
Option Plan was duly approved and recommended by action of the Board of Directors taken on the <U>11th </U> day of <U>July,</U>
2006 and adopted by action of the shareholders taken on the <U>22nd</U> day of <U>February, 2007.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.6</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>SMARTFINANCIAL,
INC. </B><BR>
<B>2010 INCENTIVE PLAN</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font: 9pt Sans-Serif; color: Red"><B></B></FONT><B><FONT STYLE="font-size: 10pt">SMARTFTNANC1AL, INC. </FONT></B><BR>
<FONT STYLE="font-size: 10pt"><B>2010 INCENTIVE PLAN</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">SMARTFINANCIAL, INC.2010 INCENTIVE PLAN</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt">ARTICLE 1 PURPOSE</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">4</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 15%; padding-left: 0.5in"><font style="font-size: 10pt">1.1</font></td>
    <TD STYLE="vertical-align: top; width: 75%"><font style="font-size: 10pt">General</font></td>
    <TD STYLE="vertical-align: bottom; width: 10%; text-align: right"><font style="font-size: 10pt">4</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt">ARTICLE 2 DEFINITIONS</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">4</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">2.1</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Definitions</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">4</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt">ARTICLE 3 EFFECTIVE TERM OF PLAN</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">10</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">3.1</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Effective Date</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">10</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">3.2</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Term of Plan</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">11</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-size: 10pt">ARTICLE 4 ADMINISTRATION</FONT></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-size: 10pt">11</FONT></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">&nbsp;</font></td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">4.1</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Committee</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">11</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">4.2</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Actions and Interpretations by the Committee</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">11</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">4.3</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Authority of Committee</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">11</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">4.4</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Delegation</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">12</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">4.5</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Indemnification</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">13</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt">ARTICLE 5 SHARES SUBJECT TO THE PLAN</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">13</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">5.1</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Number of Shares</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">13</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">5.2</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Share Counting</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">13</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">5.3</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Stock Distributed</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">14</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt">ARTICLE 6 ELIGIBILITY</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">14</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">6.1</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">General</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">14</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt">ARTICLE 7 STOCK OPTIONS</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">14</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">7.1</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">General</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">14</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">7.2</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Incentive Stock Options</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">15</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt">ARTICLE 8 STOCK APPRECIATION RIGHTS</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">16</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">8.1</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Grant of Stock Appreciation Rights</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">16</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt">ARTICLE 9 RESTRICTED STOCK, RESTRICTED STOCK UNITS AND DEFERRED STOCK UNITS</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">17</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">9.1 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Grant of Restricted Stock, Restricted Stock Units and Deferred Stock Units</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">17</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">9.2</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Issuance and Restrictions</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">17</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; padding-left: 0.5in"><font style="font-size: 10pt">9.3</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Dividends on Restricted Stock</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">17</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: right; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; padding-left: 0.5in"><font style="font-size: 10pt">9.4</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Forfeiture </font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">17</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 15%; padding-left: 0.5in"><font style="font-size: 10pt">9.5</font></td>
    <TD STYLE="vertical-align: top; width: 75%"><font style="font-size: 10pt">Delivery of Restricted Stock</font></td>
    <TD STYLE="vertical-align: bottom; width: 10%; text-align: right"><font style="font-size: 10pt">18</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt"><b>ARTICLE 10 </b>PERFORMANCE AWARDS</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">18</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">10.1 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Grant of Performance Awards</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">18</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">10.2 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Performance Goals</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">18</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt"><b>ARTICLE 11 </b>DIVIDEND EQUIVALENTS</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">19</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">11.1 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Grant of Dividend Equivalents</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">19</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt"><b>ARTICLE 13 </b>STOCK OR OTHER STOCK-BASED AWARDS</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">19</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">12.1 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Grant of Stock or Other Stock-Based Awards</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">19</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt"><b>ARTICLE 13 </b>PROVISIONS APPLICABLE TO AWARDS</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">19</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.1 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Award Certificates</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">19</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.2 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Form of Payment of Awards</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">20</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.3 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Limits on Transfer</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">20</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.4 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Beneficiaries</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">20</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.5 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Stock Trading Restrictions</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">20</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.6 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Acceleration upon Death or Disability</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">20</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.7 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Effect of a Change in Control</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">21</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.8 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Acceleration for Any Other Reason</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">23</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.9 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Forfeiture Events</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">23</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">13.10 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Substitute Awards</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">23</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt"><b>ARTICLE 14 </b>CHANGES IN CAPITAL STRUCTURE</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">23</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">14.1 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Mandatory Adjustments</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">23</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">14.2 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Discretionary Adjustments</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">24</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">14.3 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">General</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">24</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt"><b>ARTICLE 15 </b>AMENDMENT, MODIFICATION AND TERMINATION</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">25</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">15.1 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Amendment, Modification and Termination</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">25</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">15.2 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Awards Previously Granted</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">25</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">15.3 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Compliance Amendments</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">25</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <td colspan="2" style="vertical-align: top"><font style="font-size: 10pt"><b>ARTICLE 16 </b>GENERAL PROVISIONS</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">26</font></td></tr>
<TR STYLE="background-color: White">
    <td colspan="2" style="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.1</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Rights of Participants</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">26</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.2 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Withholding</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">26</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.3 </font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Special Provisions Related to Section 409A of the Code</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">27</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 15%; padding-left: 0.5in"><font style="font-size: 10pt">16.4</font></td>
    <TD STYLE="vertical-align: top; width: 75%"><font style="font-size: 10pt">Unfunded Status of Awards</font></td>
    <TD STYLE="vertical-align: bottom; width: 10%; text-align: right"><font style="font-size: 10pt">28</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.5</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Relationship to Other Benefits</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">28</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.6</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Expenses</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">28</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.7</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Titles and Headings</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right">28</td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.8</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Gender and Number</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">28</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.9</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Fractional Shares</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">28</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.10</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Government and Other Regulations</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right">28</td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.11</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Governing Law</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">29</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.12</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Severability</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">29</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.13</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">No Limitations on Rights of Company</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right"><font style="font-size: 10pt">29</font></td></tr>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 0.5in">&nbsp;</td>
    <TD STYLE="vertical-align: top">&nbsp;</td>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</td></tr>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 0.5in"><font style="font-size: 10pt">16.14</font></td>
    <TD STYLE="vertical-align: top"><font style="font-size: 10pt">Indemnification</font></td>
    <TD STYLE="vertical-align: bottom; text-align: right">30</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>SMARTFINANCIAL, INC.<BR>
2010 INCENTIVE PLAN</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>ARTICLE 1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>PURPOSE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">1.1. <U>GENERAL.</U>
The purpose of the SmartFinancial, Inc. 2010 Incentive Plan (the &quot;Plan&quot;) is to promote the success, and enhance the value,
of SmartFinancial, Inc. (the &quot;Company&quot;), by linking the personal interests of employees, officers, directors and consultants
of the Company or any Affiliate (as defined below) to those of Company shareholders and by providing such persons with an incentive
for outstanding performance. The Plan is further intended to provide flexibility to the Company in its ability to motivate, attract,
and retain the services of employees, officers, directors and consultants upon whose judgment, interest, and special effort the
successful conduct of the Company's operation is largely dependent. Accordingly, the Plan permits the grant of incentive awards
from time to time to selected employees, officers, directors and consultants of the Company and its Affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>ARTICLE 2<BR>
DEFINITIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">2.1. <U>DEFINITIONS.</U>
When a word or phrase appears in this Plan with the initial letter capitalized, and the word or phrase does not commence a sentence,
the word or phrase shall generally be given the meaning ascribed to it in this Section or in Section 1.1 unless a clearly different
meaning is required by the context. The following words and phrases shall have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Affiliate&quot;
means (i) any Subsidiary or Parent, or (ii) an entity that directly or through one or more intermediaries controls, is controlled
by or is under common control with, the Company, as determined by the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Award&quot;
means an award of Options, Stock Appreciation Rights, Restricted Stock, Restricted Stock Units, Deferred Stock Units, Performance
Awards, Dividend Equivalents, Other Stock-Based Awards, or any other right or interest relating to Stock or cash, granted to a
Participant under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Award
Certificate&quot; means a written document, in such form as the Committee prescribes from time to time, setting forth the terms
and conditions of an Award. Award Certificates may be in the form of individual award agreements or certificates or a program document
describing the terms and provisions of an Award or series of Awards under the Plan. The Committee may provide for the use of electronic,
internet or other non-paper Award Certificates, and the use of electronic, internet or other non-paper means for the acceptance
thereof and actions thereunder by a Participant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Beneficial
Owner&quot; shall have the meaning given such term in Rule 13d-3 of the General Rules and Regulations under the 1934 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Board&quot;
means the Board of Directors of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;Cause&quot;
as a reason for a Participant's termination of employment shall have the meaning assigned such term in the employment, severance
or similar agreement, if any, between such Participant and the Company or an Affiliate, provided, however that if there is no such
employment, severance or similar agreement in which such term is defined, and unless otherwise defined in the applicable Award
Certificate, &quot;Cause&quot; shall mean any of the following acts by the Participant, as determined by the Committee: gross neglect
of duty, prolonged absence from duty without the consent of the Company, material breach by the Participant of any published Company
code of conduct or code of ethics; or willful misconduct, misfeasance or malfeasance of duty which is reasonably determined to
be detrimental to the Company. With respect to a Participant's termination of directorship, &quot;Cause&quot; means an act or failure
to act that constitutes cause for removal of a director under applicable Tennessee law. The determination of the Committee as to
the existence of &quot;Cause&quot; shall be conclusive on the Participant and the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;Change
in Control&quot; means and includes the occurrence of any one of the following events but shall specifically exclude a Public Offering:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.55in"><B>(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>during
any consecutive 12-month period, individuals who, at the beginning of such period, constitute the Board of Directors of the Company
(the &quot;Incumbent Directors&quot;) cease for any reason to constitute at least a majority of such Board, provided that any person
becoming a director after the beginning of such 12-month period and whose election or nomination for election was approved by a
vote of at least a majority of the Incumbent Directors then on the Board shall be an Incumbent Director <U>provided, however,</U>
that no individual initially elected or nominated as a director of the Company as a result of an actual or threatened election
contest with respect to the election or removal of directors (&quot;Election Contest&quot;) or other actual or threatened solicitation
of proxies or consents by or on behalf of any Person other than the Board (&quot;Proxy Contest&quot;), including by reason of any
agreement intended to avoid or settle any Election Contest or Proxy Contest, shall be deemed an Incumbent Director; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.55in"><B>(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>any
person becomes a Beneficial Owner, directly or indirectly, of either (A) 50% or more of the then-outstanding shares of common stock
of the Company (&quot;Company Common Stock&quot;) or (B) securities of the Company representing 50% or more of the combined voting
power of the Company's then outstanding securities eligible to vote for the election of directors (the &quot;Company Voting Securities&quot;);
<U>provided, however,</U> that for purposes of this subsection (ii), the following acquisitions of Company Common Stock or Company
Voting Securities shall not constitute a Change in Control: (w) an acquisition directly from the Company, (x) an acquisition by
the Company or a Subsidiary, (y) an acquisition by any employee benefit plan (or related trust) sponsored or maintained by the
Company or any Subsidiary, or (z) an acquisition pursuant to a Non-Qualifying Transaction (as defined in subsection (iii) below);
or</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.55in">(iii)
the consummation of a reorganization, merger, consolidation, statutory share exchange or similar form of corporate
transaction involving the Company or a Subsidiary (a &quot;Reorganization&quot;), or the sale or other disposition of all or
substantially all of the Company's assets (a &quot;Sale&quot;) or the acquisition of assets or stock of another corporation
or other entity (an &quot;Acquisition&quot;), unless immediately following such Reorganization, Sale or Acquisition: (A) all
or substantially all of the individuals and entities who were the Beneficial Owners, respectively, of the outstanding Company
Common Stock and outstanding Company Voting Securities immediately prior to such Reorganization, Sale or Acquisition
beneficially own, directly or indirectly, more than 35% of, respectively, the then outstanding shares of common stock and the
combined voting power of the then outstanding voting securities entitled to vote generally in the election of directors, as
the case may be, of the entity resulting from such Reorganization, Sale or Acquisition (including, without limitation, an
entity which as a result of such transaction owns the Company or all or substantially all of the Company's assets or stock
either directly or through one or more subsidiaries, the &quot;Surviving Entity&quot;) in substantially the same proportions
as their ownership, immediately prior to such Reorganization, Sale or Acquisition, of the outstanding Company Common Stock
and the outstanding Company Voting Securities, as the case may be, and (B) no person (other than (x) the Company or any
Subsidiary, (y) the Surviving Entity or its ultimate parent entity, or (z) any employee benefit plan (or related trust)
sponsored or maintained by any of the foregoing) is the Beneficial Owner, directly or indirectly, of 50% or more of the total
common stock or 50% or more of the total voting power of the outstanding voting securities eligible to elect directors of the
Surviving Entity, and (C) at least a majority of the members of the board of directors of the Surviving Entity were Incumbent
Directors at the time of the Board's approval of the execution of the initial agreement providing for such Reorganization,
Sale or Acquisition (any Reorganization, Sale or Acquisition which satisfies all of the criteria specified in (A), (B) and
(C) above shall be deemed to be a &quot;Non-Qualifying Transaction&quot;); or</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: 0.55in">(iv) approval
by the shareholders of the Company of a complete liquidation or dissolution of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Code&quot;
means the Internal Revenue Code of 1986, as amended from time to time. For purposes of this Plan, references to sections of the
Code shall be deemed to include references to any applicable regulations thereunder and any successor or similar provision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Committee&quot;
means the committee of the Board described in Article 4.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Company&quot;
means SmartFinancial, Inc., a Tennessee corporation, or any successor corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Continuous
Service&quot; means the absence of any interruption or termination of service as an employee, officer, consultant or director of
the Company or any Affiliate, as applicable; provided, however, that for purposes of an Incentive Stock Option &quot;Continuous
Service&quot; means the absence of any interruption or termination of service as an employee of the Company or any Parent or Subsidiary,
as applicable, pursuant to applicable tax regulations. Continuous Service shall not be considered interrupted in the following
cases: (i) a Participant transfers employment between the Company and an Affiliate or between Affiliates, or (ii) in the discretion
of the Committee as specified at or prior to such occurrence, in the case of a spin-off, sale or disposition of the Participant's
employer from the Company or any Affiliate, or (iii) any leave of absence authorized in writing by the Company prior to its commencement;
provided, however, that for purposes of Incentive Stock Options, no such leave may exceed 90 days, unless reemployment upon expiration
of such leave is guaranteed by statute or contract. If reemployment upon expiration of a leave of absence approved by the Company
is not so guaranteed. on the 91st day of such leave any Incentive Stock Option held by the Participant shall cease to be treated
as an Incentive Stock Option and shall be treated for tax purposes as a Nonstatutory Stock Option. Whether military, government
or other service or other leave of absence shall constitute a termination of Continuous Service shall be determined in each case
by the Committee at its discretion, and any determination by the Committee shall be final and conclusive; provided, however, that
for purposes of any Award that is subject to Code Section 409A, the determination of a leave of absence must comply with the requirements
of a &quot;bona fide leave of absence&quot; as provided in Treas. Reg. Section 1.409A-1(h).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&quot;Deferred
Stock Unit&quot; means a right granted to a Participant under Article 9 to receive Shares (or the equivalent value in cash or other
property if the Committee so provides) at a future time as determined by the Committee, or as determined by the Participant within
guidelines established by the Committee in the case of voluntary deferral elections.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Disability&quot;
of a Participant means that the Participant (i) is unable to engage in any substantial gainful activity by reason of any medically
determinable physical or mental impairment which can be expected to result in death or can be expected to last for a continuous
period of not less than 12 months, or (ii) is, by reason of any medically determinable physical or mental impairment which can
be expected to result in death or can be expected to last for a continuous period of not less than 12 months, receiving income
replacement benefits for a period of not less than three months under an accident and health plan covering employees of the Participant's
employer. If the determination of Disability relates to an Incentive Stock Option, Disability means Permanent and Total Disability
as defined in Section 22(e)(3) of the Code. In the event of a dispute, the determination of whether a Participant is Disabled will
be made by the Committee and may be supported by the advice of a physician competent in the area to which such Disability relates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Dividend
Equivalent&quot; means a right granted to a Participant under Article 11.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Effective
Date&quot; has the meaning assigned such term in Section 3.1.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Eligible
Participant&quot; means an employee (including a leased employee), officer, consultant or director of the Company or any Affiliate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Fair
Market Value,&quot; on any date, means (i) if the Stock is listed on a securities exchange, the closing sales price on the principal
such exchange on such date or, in the absence of reported sales on such date, the closing sales price on the immediately preceding
date on which sales were reported, or (ii) if the Stock is not listed on a securities exchange, the mean between the bid and offered
prices as quoted by the applicable interdealer quotation system for such date, provided that if the Stock is not quoted on an interdealer
quotation system or it is determined that the fair market value is not properly reflected by such quotations, Fair Market Value
will be determined by such other method as the Committee determines in good faith to be reasonable and in compliance with Code
Section 409A.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Full-Value
Award&quot; means an Award other than in the form of an Option or SAR, and which is settled by the issuance of Stock (or at the
discretion of the Committee, settled in cash valued by reference to Stock value).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Good
Reason&quot; (or a similar term denoting constructive termination) has the meaning, if any, assigned such term in the employment,
consulting, severance or similar agreement, if any, between a Participant and the Company or an Affiliate, provided, however that
if there is no such employment, consulting, severance or similar agreement in which such term is defined, &quot;Good Reason&quot;
shall have the meaning, if any, given such term in the applicable Award Certificate. If not defined in either such document, the
term &quot;Good Reason&quot; as used herein shall not apply to a particular Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Grant
Date&quot; of an Award means the rust date on which all necessary corporate action has been taken to approve the grant of the Award
as provided in the Plan, or such later date as is determined and specified as part of that authorization process. Notice of the
grant shall be a provided to the grantee within a reasonable time after the Grant Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Incentive
Stock Option&quot; means an Option that is intended to be an incentive stock option and meets the requirements of Section 422 of
the Code or any successor provision thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Nonstatutory
Stock Option&quot; means an Option that is not an Incentive Stock Option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Option&quot;
means a right granted to a Participant under Article 7 of the Plan to purchase Stock at a specified price during specified time
periods. An Option may be either an Incentive Stock Option or a Nonstatutory Stock Option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Other
Stock-Based Award&quot; means a right, granted to a Participant under Article 12, that relates to or is valued by reference to
Stock or other Awards relating to Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Parent&quot;
means a corporation, limited liability company, partnership or other entity which owns or beneficially owns a majority of the outstanding
voting stock or voting power of the Company. Notwithstanding the above, with respect to an Incentive Stock Option, Parent shall
have the meaning set forth in Section 424(e) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>&quot;Participant&quot;
means an Eligible Participant who has been granted an Award under the Plan; provided that in the case of the death of a Participant,
the term &quot;Participant&quot; refers to a beneficiary designated pursuant to Section 13.4 or the legal guardian or other legal
representative acting in a fiduciary capacity on behalf of the Participant under applicable state law and court supervision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(aa) &quot;Performance
Award&quot; means any award granted under the Plan pursuant to Article 10.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(bb) &quot;Person&quot;
means any individual, entity or group, within the meaning of Section 3(a)(9) of the 1934 Act and as used in Section 13(d)(3) or
14(d)(2) of the 1934 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(cc) &quot;Plan&quot;
means the SmartFinancial, Inc. 2010 Incentive Plan, as amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(dd) &quot;Public Offering&quot;
means a public offering of any class or series of the Company's equity securities pursuant to a registration statement filed by
the Company under the 1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.45in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ee) &quot;Restricted Stock&quot;
means Stock granted to a Participant under Article 9 that is subject to certain restrictions and to risk of forfeiture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ff) &quot;Restricted Stock Unit&quot;
means the right granted to a Participant under Article 9 to receive shares of Stock (or the equivalent value in cash or other property
if the Committee so provides) in the future, which right is subject to certain restrictions and to risk of forfeiture.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.45in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(gg)
&quot;Shares&quot; means shares of the Company's Stock. If there has been an adjustment or substitution pursuant to Article
14, the term &quot;Shares&quot; shall also include any shares of stock or other securities that are substituted for Shares or
into which Shares are adjusted pursuant to Article 14.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.45in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(hh)
&quot;Stock&quot; means the $1.00 par value common stock of the Company and such other securities of the Company as may be
substituted for Stock pursuant to Article 14.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.45in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;
&quot;Stock Appreciation Right&quot; or &quot;SAR&quot; means a right granted to a Participant under Article 8 to receive a
payment equal to the difference between the Fair Market Value of a Share as of the date of exercise of the SAR over the base
price of the SAR, all as determined pursuant to Article 8.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.45in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(jj)&nbsp;&nbsp;&nbsp;&quot;Subsidiary&quot;
means any corporation, limited liability company, partnership or other entity of which a majority of the outstanding voting stock
or voting power is beneficially owned directly or indirectly by the Company. Notwithstanding the above, with respect to an Incentive
Stock Option, Subsidiary shall have the meaning set forth in Section 424(f) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.45in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(kk) &quot;1933
Act&quot; means the Securities Act of 1933, as amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.45in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ll) &quot;1934
Act&quot; means the Securities Exchange Act of 1934, as amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">ARTICLE 3</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">EFFECTIVE TERM OF PLAN</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.45in">3.1. <U>EFFECTIVE
DATE.</U> Subject to the approval of the Plan by the Company's shareholders within 12 months after the Plan's adoption by the Board,
the Plan will become effective on the date that it is adopted by the Board (the &quot;Effective Date&quot;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.2. <U>TERMINATION
OF PLAN.</U> Unless earlier terminated as provided herein, the Plan shall continue in effect until the tenth anniversary of the
Effective Date or, if the shareholders approve an amendment to the Plan that increases the number of Shares subject to the Plan,
the tenth anniversary of the date of such approval. The termination of the Plan on such date shall not affect the validity of any
Award outstanding on the date of termination, which shall continue to be governed by the applicable terms and conditions of the
Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 4</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ADMINISTRATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><B>4.1. </B><U>COMMITTEE.</U>
The Plan shall be administered by a Committee appointed by the Board (which Committee shall consist of at least two directors)
or, at the discretion of the Board from time to time, the Plan may be administered by the Board. The members of the Committee shall
be appointed by, and may be changed at any time and from time to time in the discretion of, the Board. The Board may reserve to
itself any or all of the authority and responsibility of the Committee under the Plan or may act as administrator of the Plan for
any and all purposes. To the extent the Board has reserved any authority and responsibility or during any time that the Board is
acting as administrator of the Plan, it shall have all the powers and protections of the Committee hereunder, and any reference
herein to the Committee (other than in this Section 4.1) shall include the Board. To the extent any action of the Board under the
Plan conflicts with actions taken by the Committee, the actions of the Board shall control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.45in">4.2. <U>ACTION
AND INTERPRETATIONS BY THE COMMITTEE.</U> For purposes of administering the Plan, the Committee may from time to time adopt rules,
regulations, guidelines and procedures for carrying out the provisions and purposes of the Plan and make such other determinations,
not inconsistent with the Plan, as the Committee may deem appropriate. The Committee may correct any defect, supply any omission
or reconcile any inconsistency in the Plan or in any Award in the manner and to the extent it deems necessary to carry out the
intent of the Plan. The Committee's interpretation of the Plan, any Awards granted under the Plan, any Award Certificate and all
decisions and determinations by the Committee with respect to the Plan are final, binding, and conclusive on all parties. Each
member of the Committee is entitled to, in good faith, rely or act upon any report or other information furnished to that member
by any officer or other employee of the Company or any Affiliate, the Company's or an Affiliate's independent certified public
accountants, Company counsel or any executive compensation consultant or other professional retained by the Company to assist in
the administration of the Plan. No member of the Committee will be liable for any good faith determination, act or omission in
connection with the Plan or any Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.45in">4.3. <U>AUTHORITY
OF COMMITTEE.</U> Except as provided in Section 4.1 hereof, the Committee has the exclusive power, authority and discretion to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Grant
Awards;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Designate
Participants;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Determine
the type or types of Awards to be granted to each Participant;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Determine
the number of Awards to be granted and the number of Shares or dollar amount to which an Award will relate;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Determine
the terms and conditions of any Award granted under the Plan;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prescribe
the form of each Award Certificate, which need not be identical for each Participant;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Decide
all other matters that must be determined in connection with an Award;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Establish,
adopt or revise any rules, regulations, guidelines or procedures as it may deem necessary or advisable to administer the Plan;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make
all other decisions and determinations that may be required under the Plan or as the Committee deems necessary or advisable to
administer the Plan;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amend
the Plan or any Award Certificate as provided herein; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adopt
such modifications, procedures, and subplans as may be necessary or desirable to comply with provisions of the laws of the United
States or any non-U.S. jurisdictions in which the Company or any Affiliate may operate, in order to assure the viability of the
benefits of Awards granted to participants located in the United States or such other jurisdictions and to further the objectives
of the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.4. <U>DELEGATION.</U>
The Board may, by resolution, expressly delegate to a special committee, consisting of one or more directors who may but need not
be officers of the Company, the authority, within specified parameters as to the number and terms of Awards, to (i) designate officers
and/or employees of the Company or any of its Affiliates to be recipients of Awards under the Plan, and (ii) to determine the number
of such Awards to be received by any such Participants. The acts of such delegates shall be treated hereunder as acts of the Board
and such delegates shall report regularly to the Board and the Compensation Committee regarding the delegated duties and responsibilities
and any Awards so granted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.5. <U>INDEMNIFICATION. </U>Each
person who is or shall have been a member of the Committee, or of the Board, or an officer of the Company to whom
authority was delegated in accordance with this Article 4 shall be indemnified and held harmless by the Company against and
from any loss, cost, liability, or expense that may be imposed upon or reasonably incurred by him or her in connection with
or resulting from any claim, action, suit, or proceeding to which he or she may be a party or in which he or she may be
involved by reason of any action taken or failure to act under the Plan and against and from any and all amounts paid by him
or her in settlement thereof, with the Company's approval, or paid by him or her in satisfaction of any judgment in any such
action, suit, or proceeding against him or her, provided he or she shall give the Company an opportunity, at its own expense,
to handle and defend the same before he or she undertakes to handle and defend it on his or her own behalf, unless such loss,
cost, liability, or expense is a result of his or her own willful misconduct or except as expressly provided by statute. The
foregoing right of indemnification shall not be exclusive of any other rights of indemnification to which such persons may be
entitled under the Company's charter or bylaws, as a matter of law, or otherwise, or any power that the Company may have to
indemnify them or hold them harmless.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 5</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SHARES SUBJECT TO THE PLAN</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.55in; text-align: justify">5.1. <U>NUMBER OF SHARES.</U> Subject to
adjustment as provided in Sections 5.2 and Section 14.1, the aggregate number of Shares reserved and available for issuance pursuant
to Awards granted under the Plan shall be 500,000. The maximum number of Shares that may be issued upon exercise of Incentive Stock
Options granted under the Plan shall be 500,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.55in; text-align: justify">5.2. <U>SHARE COUNTING.</U> Shares covered
by an Award shall be subtracted from the Plan share reserve as of the Grant Date, but shall be added back to the Plan share reserve
in accordance with this Section 5.2</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the extent that an Award is canceled, terminates, expires, is forfeited or lapses for any reason, any unissued or forfeited Shares
originally subject to the Award will be added back to the Plan share reserve and again be available for issuance pursuant to Awards
granted under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shares
subject to Awards settled in cash will be added back to the Plan share reserve and again be available for issuance pursuant to
Awards granted under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shares
withheld or repurchased from an Award or delivered by a Participant to satisfy minimum tax withholding requirements will be added
back to the Plan share reserve and again be available for issuance pursuant to Awards granted under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the exercise price of an Option is satisfied in whole or in part by delivering Shares to the Company (by either actual delivery
or attestation), the number of Shares so tendered (by delivery or attestation) shall be added to the Plan share reserve and will be
available for issuance pursuant to Awards granted under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>To
the extent that the full number of Shares subject to an Option or SAR is not issued upon exercise of the Option or SAR for any
reason, including by reason of net-settlement of the Award, the unissued Shares originally subject to the Award will be added back
to the Plan share reserve and again be available for issuance pursuant to other Awards granted under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>To
the extent that the full number of Shares subject to an Award other than an Option or SAR is not issued for any reason, including
by reason of failure to achieve maximum performance goals, the unissued Shares originally subject to the Award will be added back
to the Plan share reserve and again be available for issuance pursuant to Awards granted under the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Substitute
Awards granted pursuant to Section 13.10 of the Plan shall not count against the Shares otherwise available for issuance under
the Plan under Section 5.1.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.3. <U>STOCK DISTRIBUTED.</U>
Any Stock distributed pursuant to an Award may consist, in whole or in part, of authorized and unissued Stock, treasury Stock or
Stock purchased on the open market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">ARTICLE 6<B> </B><BR>
<B>ELIGIBILITY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.1. <U>GENERAL.</U>
Awards may be granted only to Eligible Participants. Incentive Stock Options may be granted only to Eligible Participants who are
employees of the Company or a Parent or Subsidiary as defined in Section 424(e) and (f) of the Code. Eligible Participants who
are service providers to an Affiliate may be granted Options or SARs under this Plan only if the Affiliate qualifies as an &quot;eligible
issuer of service recipient stock&quot; within the meaning of &sect;1.409A-1(b)(5)(iii)(E) of the final regulations under Code
Section 409A.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 7</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STOCK OPTIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">7.1. <U>GENERAL.</U>
The Committee is authorized to grant Options to Participants on the following terms and conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.55in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>EXERCISE
PRICE.</U> The exercise price per Share under an Option shall be determined by the Committee, provided that the exercise price
for any Option (other than an Option issued as a substitute Award pursuant to Section 13.10) shall not be less than the Fair Market
Value as of the Grant Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.55in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><U>(b)</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>TIME
AND CONDITIONS OF EXERCISE.</U> The Committee shall determine the time or times at which an Option may be exercised in whole or
in part, subject to Section 7.1(d), including a provision that an Option that is otherwise exercisable and has an exercise price
that is less than the Fair Market Value of the Stock on the last day of its term will be automatically exercised on such final
date of the term by means of a &quot;net exercise,&quot; thus entitling the optionee to Shares equal to the intrinsic value of
the Option on such exercise date, less the number of Shares required for tax withholding. The Committee shall also determine the
performance or other conditions, if any, that must be satisfied before all or part of an Option may be exercised or vested.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><U>(c)</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>PAYMENT.
</U>The Committee shall determine the methods by which the exercise price of an Option may be paid, the form of payment, and the
methods by which Shares shall be delivered or deemed to be delivered to Participants. As determined by the Committee at or after
the Grant Date, payment of the exercise price of an Option may be made in, in whole or in part, in the form of (i) cash or cash
equivalents, (ii) delivery (by either actual delivery or attestation) of previously-acquired Shares based on the Fair Market Value
of the Shares on the date the Option is exercised, (iii) withholding of Shares from the Option based on the Fair Market Value
of the Shares on the date the Option is exercised, (iv) broker-assisted market sales, or (iv) any other &quot;cashless exercise&quot;
arrangement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><U>(d)</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>EXERCISE
TERM.</U> Except for Nonstatutory Options granted to Participants outside the United States, no Option granted under the Plan
shall be exercisable for more than ten years from the Grant Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><U>(e)</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>NO
DEFERRAL FEATURE.</U> No Option shall provide for any feature for the deferral of compensation other than the deferral of recognition
of income until the exercise or disposition of the Option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><U>(f)</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>NO
DIVIDEND EQUIVALENTS.</U> No Option shall provide for Dividend Equivalents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.2. <U>INCENTIVE STOCK
OPTIONS.</U> The terms of any Incentive Stock Options granted under the Plan must comply with the requirements of Section 422 of
the Code. Without limiting the foregoing, any Incentive Stock Option granted to a Participant who at the Grant Date owns more than
10% of the voting power of all classes of shares of the Company must have an exercise price per Share of not less than 110% of
the Fair Market Value per Share on the Grant Date and an Option term of not more than five years. If all of the requirements of
Section 422 of the Code (including the above) are not met, the Option shall automatically become a Nonstatutory Stock Option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 8</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STOCK APPRECIATION RIGHTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">8.1. <U>GRANT OF STOCK
APPRECIATION RIGHTS.</U> The Committee is authorized to grant Stock Appreciation Rights to Participants on the following terms
and conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>RIGHT
TO PAYMENT.</U> Upon the exercise of a SAR, the Participant has the right to receive, for each Share with respect to which the
SAR is being exercised, the excess, if any, of:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-indent: 0.45in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-indent: 0.45in"><B>(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>The Fair Market
Value of one Share on the date of exercise; over</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-align: justify; text-indent: 0.45in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-align: justify; text-indent: 0.45in"><B>(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>The
base price of the SAR as determined by the Committee and set forth in the Award Certificate, which shall not be less than the Fair
Market Value of one Share on the Grant Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>TIME
AND CONDITIONS OF EXERCISE.</U> The Committee shall determine the time or times at which a SAR may be exercised in whole or in
part, including a provision that a SAR that is otherwise exercisable and has a base price that is less than the Fair Market Value
of the Stock on the last day of its term will be automatically exercised on such final date of the term, thus entitling the holder
to cash or Shares equal to the intrinsic value of the SAR on such exercise date, less the cash or number of Shares required for
tax withholding. Except for SARs granted to Participants outside the United States, no SAR shall be exercisable for more than ten
years from the Grant Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>NO
DEFERRAL FEATURE.</U> No SAR shall provide for any feature for the deferral of compensation other than the deferral of recognition
of income until the exercise or disposition of the SAR.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>NO
DIVIDEND EQUIVALENTS.</U> No SAR shall provide for Dividend Equivalents.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>OTHER
TERMS.</U> All SARs shall be evidenced by an Award Certificate. Subject to the limitations of this Article 8, the terms, methods
of exercise, methods of settlement, form of consideration payable in settlement (e.g., cash, Shares or other property), and any
other terms and conditions of the SAR shall be determined by the Committee at the time of the grant and shall be reflected in the
Award Certificate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 9</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RESTRICTED STOCK, RESTRICTED STOCK UNITS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AND DEFERRED STOCK UNITS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.1. <U>GRANT OF RESTRICTED
STOCK, RESTRICTED STOCK UNITS AND DEFERRED STOCK UNITS.</U> The Committee is authorized to make Awards of Restricted Stock, Restricted
Stock Units or Deferred Stock Units to Participants in such amounts and subject to such terms and conditions as may be selected
by the Committee. An Award of Restricted Stock, Restricted Stock Units or Deferred Stock Units shall be evidenced by an Award Certificate
setting forth the terms, conditions, and restrictions applicable to the Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.2. <U>ISSUANCE AND
RESTRICTIONS.</U> Restricted Stock, Restricted Stock Units or Deferred Stock Units shall be subject to such restrictions on transferability
and other restrictions as the Committee may impose (including, for example, limitations on the right to vote Restricted Stock or
the right to receive dividends on the Restricted Stock). These restrictions may lapse separately or in combination at such times,
under such circumstances, in such installments, upon the satisfaction of performance goals or otherwise, as the Committee determines
at the time of the grant of the Award or thereafter. Except as otherwise provided in an Award Certificate or any special Plan document
governing an Award, a Participant shall have none of the rights of a stockholder with respect to Restricted Stock Units or Deferred
Stock Units until such time as Shares of Stock are paid in settlement of such Awards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;9.3&nbsp;<U>DIVIDENDS
ON RESTRICTED STOCK.</U> In the case of Restricted Stock, the Committee may provide that ordinary cash dividends declared on
the Shares before they are vested (i) will be forfeited, (ii) will be deemed to have been reinvested in additional Shares or
otherwise reinvested (subject to Share availability under Section 5.1 hereof), or (iii) in the case of Restricted Stock that
is not subject to performance-based vesting, will be paid or distributed to the Participant as accrued (in which case, such
dividends must be paid or distributed no later than the 15<SUP>th</SUP> day of the 3rd month following the later of (A) the
calendar year in which the corresponding dividends were paid to shareholders, or (B) the first calendar year in which the
Participant's right to such dividends is no longer subject to a substantial risk of forfeiture). Unless otherwise provided by
the Committee, dividends accrued on Shares of Restricted Stock before they are vested shall, as provided in the Award
Certificate, either (i) be reinvested in the form of additional Shares, which shall be subject to the same vesting provisions
as provided for the host Award, or (ii) be credited by the Company to an account for the Participant and accumulated without
interest until the date upon which the host Award becomes vested, and any dividends accrued with respect to forfeited
Restricted Stock will be reconveyed to the Company without further consideration or any act or action by the Participant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.4. <U>FORFEITURE.</U> Subject to the
terms of the Award Certificate and except as otherwise determined by the Committee at the time of the grant of the Award or thereafter,
upon termination of Continuous Service during the applicable restriction period or upon failure to satisfy a performance goal during
the applicable restriction period, Restricted Stock or Restricted Stock Units that are at that time subject to restrictions shall
be forfeited.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">9.5. <U>DELIVERY OF
RESTRICTED STOCK.</U> Shares of Restricted Stock shall be delivered to the Participant at the Grant Date either by book-entry registration
or by delivering to the Participant, or a custodian or escrow agent (including, without limitation, the Company or one or more
of its employees) designated by the Committee, a stock certificate or certificates registered in the name of the Participant. If
physical certificates representing shares of Restricted Stock are registered in the name of the Participant, such certificates
must bear an appropriate legend referring to the terms, conditions, and restrictions applicable to such Restricted Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 10</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PERFORMANCE AWARDS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">10.1. <U>GRANT
OF PERFORMANCE AWARDS.</U> The Committee is authorized to grant any Award under this Plan, including cash-based Awards, with performance-based
vesting criteria, on such terms and conditions as may be selected by the Committee. Any such Awards with performance-based vesting
criteria are referred to herein as Performance Awards. The Committee shall have the complete discretion to determine the number
of Performance Awards granted to each Participant and to designate the provisions of such Performance Awards as provided in Section
4.3. All Performance Awards shall be evidenced by an Award Certificate or a written program established by the Committee, pursuant
to which Performance Awards are awarded under the Plan under uniform terms, conditions and restrictions set forth in such written
program.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">10.2. <U>PERFORMANCE
GOALS.</U> The Committee may establish performance goals for Performance Awards which may be based on any criteria selected by
the Committee. Such performance goals may be described in terms of Company-wide objectives or in terms of objectives that relate
to the performance of the Participant, an Affiliate or a division, region, department or function within the Company or an Affiliate.
If the Committee determines that a change in the business, operations, corporate structure or capital structure of the Company
or the manner in which the Company or an Affiliate conducts its business, or other events or circumstances render performance goals
to be unsuitable, the Committee may modify such performance goals in whole or in part, as the Committee deems appropriate. If a
Participant is promoted, demoted or transferred to a different business unit or function during a performance period, the Committee
may determine that the performance goals or performance period are no longer appropriate and may (i) adjust, change or eliminate
the performance goals or the applicable performance period as it deems appropriate to make such goals and period comparable to
the initial goals and period, or (ii) make a cash payment to the participant in an amount determined by the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 11</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>DIVIDEND EQUIVALENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">11.1. <U>GRANT
OF DIVIDEND EQUIVALENTS. </U>The Committee is authorized to grant Dividend Equivalents with respect to Full-Value
Awards granted hereunder, subject to such terms and conditions as may be selected by the Committee. Dividend Equivalents
shall entitle the Participant to receive payments equal to ordinary cash dividends or distributions with respect to all or a
portion of the number of Shares subject to a Full-Value Award, as determined by the Committee. The Committee may provide that
Dividend Equivalents (i) will be deemed to have been reinvested in additional Shares or otherwise reinvested, or (ii) except
in the case of Performance Awards, will be paid or distributed to the Participant as accrued (in which case, such Dividend
Equivalents must be paid or distributed no later than the 15<SUP>th</SUP> day of the 3<SUP>rd</SUP> month following the later
of (A) the calendar year in which the corresponding dividends were paid to shareholders, or (B) the first calendar year in
which the Participant's right to such Dividends Equivalents is no longer subject to a substantial risk of forfeiture). Unless
otherwise provided by the Committee, Dividend Equivalents accruing on unvested Full-Value Awards shall, as provided in the
Award Certificate, either (i) be reinvested in the form of additional Shares, which shall be subject to the same vesting
provisions as provided for the host Award, or (ii) be credited by the Company to an account for the Participant and
accumulated without interest until the date upon which the host Award becomes vested, and any Dividend Equivalents accrued
with respect to forfeited Awards will be reconveyed to the Company without further consideration or any act or action by the
Participant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 12</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STOCK OR OTHER STOCK-BASED AWARDS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">12.1. <U>GRANT OF
STOCK OR OTHER STOCK-BASED AWARDS.</U> The Committee is authorized, subject to limitations under applicable law, to grant to Participants
such other Awards that are payable in, valued in whole or in part by reference to, or otherwise based on or related to Shares,
as deemed by the Committee to be consistent with the purposes of the Plan, including without limitation Shares awarded purely as
a &quot;bonus&quot; and not subject to any restrictions or conditions, convertible or exchangeable debt securities, other rights
convertible or exchangeable into Shares, and Awards valued by reference to book value of Shares or the value of securities of or
the performance of specified Parents or Subsidiaries. The Committee shall determine the terms and conditions of such Awards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 13</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PROVISIONS APPLICABLE TO AWARDS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">13.1. <U>AWARD CERTIFICATES.</U>
Each Award shall be evidenced by an Award Certificate. Each Award Certificate shall include such provisions, not inconsistent with
the Plan, as may be specified by the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">13.2. <U>FORM
OF PAYMENT FOR AWARDS.</U> At the discretion of the Committee, payment of Awards may be made in cash, Stock, a combination of cash
and Stock, or any other form of property as the Committee shall determine. In addition, payment of Awards may include such terms,
conditions, restrictions and/or limitations, if any, as the Committee deems appropriate, including, in the case of Awards paid
in the form of Stock, restrictions on transfer and forfeiture provisions. Further, payment of Awards may be made in the form of
a lump sum, or in installments, as determined by the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">13.3. <U>LIMITS
ON TRANSFER.</U> No right or interest of a Participant in any unexercised or restricted Award may be pledged, encumbered, or hypothecated
to or in favor of any party other than the Company or an Affiliate, or shall be subject to any lien, obligation, or liability of
such Participant to any other party other than the Company or an Affiliate. No unexercised or restricted Award shall be assignable
or transferable by a Participant other than by will or the laws of descent and distribution; provided, however, that the Committee
may (but need not) permit other transfers (other than transfers for value) where the Committee concludes that such transferability
(i) does not result in accelerated taxation, (ii) does not cause any Option intended to be an Incentive Stock Option to fail to
be described in Code Section 422(b), and (iii) is otherwise appropriate and desirable, taking into account any factors deemed relevant,
including without limitation, state or federal tax or securities laws applicable to transferable Awards.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">13.4. <U>BENEFICIARIES.</U>
Notwithstanding Section 13.3, a Participant may, in the manner determined by the Committee, designate a beneficiary to exercise
the rights of the Participant and to receive any distribution with respect to any Award upon the Participant's death. A beneficiary,
legal guardian, legal representative, or other person claiming any rights under the Plan is subject to all terms and conditions
of the Plan and any Award Certificate applicable to the Participant, except to the extent the Plan and Award Certificate otherwise
provide, and to any additional restrictions deemed necessary or appropriate by the Committee. If no beneficiary has been designated
or survives the Participant, any payment due to the Participant shall be made to the Participant's estate. Subject to the foregoing,
a beneficiary designation may be changed or revoked by a Participant, in the manner provided by the Company, at any time provided
the change or revocation is filed with the Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">13.5. <U>STOCK
TRADING RESTRICTIONS.</U> All Stock issuable under the Plan is subject to any stop-transfer orders and other restrictions as the
Committee deems necessary or advisable to comply with federal or state securities laws, rules and regulations and the rules of
any national securities exchange or automated quotation system on which the Stock is listed, quoted, or traded. The Committee may
place legends on any Stock certificate or issue instructions to the transfer agent to reference restrictions applicable to the
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">13.6. <U>ACCELERATION
UPON DEATH OR DISABILITY.</U> Except as otherwise provided in the Award Certificate or any special Plan document governing an
Award, upon the termination of a person's Continuous Service by reason of death or Disability:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in"><B>(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>all of that Participant's
outstanding Options and SARs shall become fully exercisable;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in"><B>(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>all time-based
vesting restrictions on that Participant's outstanding Awards shall lapse as of the date of termination; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in"><B>(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>the
payout opportunities attainable under all of that Participant's outstanding performance-based Awards shall be deemed to have been
fully earned as of the date of termination as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-align: justify; text-indent: 0.45in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-align: justify; text-indent: 0.45in"><B>(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>if
the date of termination occurs during the first half of the applicable performance period, all relevant performance goals will
be deemed to have been achieved at the &quot;target&quot; level, and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-indent: 0.45in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-indent: 0.45in"><B>(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>if the date of
termination occurs during the second half of the applicable performance period, the actual level of achievement of all relevant
performance goals against target will be measured as of the end of the calendar quarter immediately preceding the date of termination,
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-align: justify; text-indent: 0.45in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.05in; text-align: justify; text-indent: 0.45in"><B>(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>in
either such case, there shall be a prorata payout to the Participant or his or her estate within sixty (60) days following the
date of termination (unless a later date is required by Section 16.3 hereof), based upon the length of time within the performance
period that has elapsed prior to the date of termination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">To the extent that
this provision causes Incentive Stock Options to exceed the dollar limitation set forth in Code Section 422(d), the excess Options
shall be deemed to be Nonstatutory Stock Options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">13.7. <U>EFFECT OF A CHANGE IN CONTROL.</U> The provisions of
this Section 13.7 shall apply in the case of a Change in Control, unless otherwise provided in the Award Certificate or any special
Plan document or separate agreement with a Participant governing an Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.45in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Awards not Assumed or
Substituted by Surviving Entity.</U> Upon the occurrence of a Change in Control, and except with respect to any Awards
assumed by the Surviving Entity or otherwise equitably converted or substituted in connection with the Change in Control in a
manner approved by the Committee or the Board: (i) outstanding Options, SARs, and other Awards in the nature of rights that
may be exercised shall become fully exercisable, (ii) time-based vesting restrictions on outstanding Awards shall lapse, and
(iii) the target payout opportunities attainable under outstanding performance-based Awards shall be deemed to have been
fully earned as of the effective date of the Change in Control based upon (A) an assumed achievement of all relevant
performance goals at the &quot;target&quot; level if the Change in Control occurs during the first half of the applicable
performance period, or (B) the actual level of achievement of all relevant performance goals against target measured as of
the date of the Change in Control, if the Change in Control occurs during the second half of the applicable performance
period, and, in either such case, subject to Section 16.3, there shall be a prorata payout to Participants within sixty (60)
days following the Change in Control (unless a later date is required by Section 16.3 hereof), based upon the length of time
within the performance period that has elapsed prior to the Change in Control. Any Awards shall thereafter continue or lapse
in accordance with the other provisions of the Plan and the Award Certificate. To the extent that this provision causes
Incentive Stock Options to exceed the dollar limitation set forth in Code Section 422(d), the excess Options shall be deemed
to be Nonstatutory Stock Options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Awards
Assumed or Substituted by Surviving Entity.</U> With respect to Awards assumed by the Surviving Entity or otherwise equitably
converted or substituted in connection with a Change in Control: if within two (2) years after the effective date of the
Change in Control, a Participant's employment is terminated without Cause or the Participant resigns for Good Reason, then
(i) all of that Participant's outstanding Options, SARs and other Awards in the nature of rights that may be exercised shall
become fully exercisable, (ii) all time-based vesting restrictions on the his or her outstanding Awards shall lapse, and
(iii) the payout level under all of that Participant's performance-based Awards that were outstanding immediately prior to
effective time of the Change in Control shall be determined and deemed to have been earned as of the date of termination
based upon (A) an assumed achievement of all relevant performance goals at the &quot;target'<SUP>.</SUP> level if the date of
termination occurs during the first half of the applicable performance period, or (B) the actual level of achievement of all
relevant performance goals against target (measured as of the end of the calendar quarter immediately preceding the date of
termination), if the date of termination occurs during the second half of the applicable performance period, and, in either
such case, there shall be a prorata payout to such Participant within sixty (60) days following the date of termination of
employment (unless a later date is required by Section 16.3 hereof), based upon the length of time within the performance
period that has elapsed prior to the date of termination of employment. With regard to each Award, a Participant shall not be
considered to have resigned for Good Reason unless either (i) the Award Certificate includes such provision or (ii) the
Participant is party to an employment, severance or similar agreement with the Company or an Affiliate that includes
provisions in which the Participant is permitted to resign for Good Reason. Any Awards shall thereafter continue or lapse in
accordance with the other provisions of the Plan and the Award Certificate. To the extent that this provision causes
Incentive Stock Options to exceed the dollar limitation set forth in Code Section 422(d), the excess Options shall be
deemed to be Nonstatutory Stock Options.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">13.8. <U>ACCELERATION
FOR ANY OTHER REASON.</U> Regardless of whether an event has occurred as described in Section 13.6 or 13.7 above, the Committee
may in its sole discretion at any time determine that all or a portion of a Participant's Options, SARs, and other Awards in the
nature of rights that may be exercised shall become fully or partially exercisable, that all or a part of the time-based vesting
restrictions on all or a portion of the outstanding Awards shall lapse, and/or that any performance-based criteria with respect
to any Awards shall be deemed to be wholly or partially satisfied, in each case, as of such date as the Committee may, in its sole
discretion, declare. The Committee may discriminate among Participants and among Awards granted to a Participant in exercising
its discretion pursuant to this Section 13.8. Notwithstanding anything in the Plan, including this Section 13.8, the Committee
may not accelerate the payment of any Award if such acceleration would violate Section 409A(a)(3) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">13.9. <U>FORFEITURE
EVENTS.</U> The Committee may specify in an Award Certificate that the Participant's rights, payments and benefits with respect
to an Award shall be subject to reduction, cancellation, forfeiture or recoupment upon the occurrence of certain specified events,
in addition to any otherwise applicable vesting or performance conditions of an Award. Such events may include, but shall not be
limited to, (i) termination of employment for cause, (ii) violation of material Company or Affiliate policies, (iii) breach of
noncompetition, confidentiality or other restrictive covenants that may apply to the Participant, (iv) other conduct by the Participant
that is detrimental to the business or reputation of the Company or any Affiliate, or (v) a later determination that the vesting
of, or amount realized from, a Performance Award was based on materially inaccurate financial statements or any other materially
inaccurate performance metric criteria, whether or not the Participant caused or contributed to such material inaccuracy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">13.10. <U>SUBSTITUTE
AWARDS.</U> The Committee may grant Awards under the Plan in substitution for stock and stock-based awards held by employees of
another entity who become employees of the Company or an Affiliate as a result of a merger or consolidation of the former employing
entity with the Company or an Affiliate or the acquisition by the Company or an Affiliate of property or stock of the former employing
corporation. The Committee may direct that the substitute awards be granted on such terms and conditions as the Committee considers
appropriate in the circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 14</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CHANGES IN CAPITAL STRUCTURE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">14.1. <U>MANDATORY
ADJUSTMENTS.</U> In the event of a nonreciprocal transaction between the Company and its stockholders that causes the per-share
value of the Stock to change (including, without limitation, any stock dividend, stock split, spin-off, rights offering, or large
nonrecurring cash dividend), the authorization limits under Section 5.1 shall be adjusted proportionately, and the Committee shall
make such adjustments to the Plan and Awards as it deems necessary, in its sole discretion, to prevent dilution or enlargement
of rights immediately resulting from such transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Action by the Committee may include: (i)
adjustment of the number and kind of shares that may be delivered under the Plan; (ii) adjustment of the number and kind of shares
subject to outstanding Awards; (iii) adjustment of the exercise price of outstanding Awards or the measure to be used to determine
the amount of the benefit payable on an Award; and (iv) any other adjustments that the Committee determines to be equitable. Notwithstanding
the foregoing, the Committee shall not make any adjustments to outstanding Options or SARs that would constitute a modification
or substitution of the stock right under Treas. Reg. Sections 1.409A-1(b)(5)(v) that would be treated as the grant of a new stock
right or change in the form of payment for purposes of Code Section 409A. Without limiting the foregoing, in the event of a subdivision
of the outstanding Stock (stock-split), a declaration of a dividend payable in Shares, or a combination or consolidation of the
outstanding Stock into a lesser number of Shares, the authorization limits under Section 5.1 shall automatically be adjusted proportionately,
and the Shares then subject to each Award shall automatically, without the necessity for any additional action by the Committee,
be adjusted proportionately without any change in the aggregate purchase price therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">14.2 <U>DISCRETIONARY
ADJUSTMENTS.</U> Upon the occurrence or in anticipation of any corporate event or transaction involving the Company (including,
without limitation, any merger, reorganization, recapitalization, combination or exchange of shares, or any transaction described
in Section 14.1), the Committee may, in its sole discretion, provide (i) that Awards will be settled in cash rather than Stock,
(ii) that Awards will become immediately vested and non-forfeitable and exercisable (in whole or in part) and will expire after
a designated period of time to the extent not then exercised, (iii) that Awards will be assumed by another party to a transaction
or otherwise be equitably converted or substituted in connection with such transaction, (iv) that outstanding Awards may be settled
by payment in cash or cash equivalents equal to the excess of the Fair Market Value of the underlying Stock, as of a specified
date associated with the transaction, over the exercise or base price of the Award, (v) that performance targets and performance
periods for Performance Awards will be modified, or (vi) any combination of the foregoing. The Committee's determination need not
be uniform and may be different for different Participants whether or not such Participants are similarly situated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">14.3 <U>GENERAL.</U>
Any discretionary adjustments made pursuant to this Article 14 shall be subject to the provisions of Section 15.2. To the extent
that any adjustments made pursuant to this Article 14 cause Incentive Stock Options to cease to qualify as Incentive Stock Options,
such Options shall be deemed to be Nonstatutory Stock Options.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 15</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMENDMENT, MODIFICATION AND TERMINATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">15.1. <U>AMENDMENT.
MODIFICATION AND TERMINATION.</U> The Board or the Committee may, at any time and from time to time, amend, modify or terminate
the Plan without stockholder approval; provided, however, that if an amendment to the Plan would, in the reasonable opinion of
the Board or the Committee, either (i) materially increase the number of Shares available under the Plan, (ii) expand the types
of awards under the Plan, (iii) materially expand the class of participants eligible to participate in the Plan, (iv) materially
extend the term of the Plan, or (v) otherwise constitute a material change requiring stockholder approval under applicable laws,
policies or regulations, then such amendment shall be subject to stockholder approval; and provided, further, that the Board or
Committee may condition any other amendment or modification on the approval of stockholders of the Company for any reason, including
by reason of such approval being necessary or deemed advisable to satisfy any other tax, securities or other applicable laws, policies
or regulations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">15.2. <U>AWARDS
PREVIOUSLY GRANTED.</U> At any time and from time to time, the Committee may amend, modify or terminate any outstanding Award without
approval of the Participant; provided, however:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in"><B>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Subject
to the terms of the applicable Award Certificate, such amendment, modification or termination shall not, without the Participant's
consent, reduce or diminish the value of such Award determined as if the Award had been exercised, vested, cashed in or otherwise
settled on the date of such amendment or termination (with the per-share value of an Option or SAR for this purpose being calculated
as the excess, if any, of the Fair Market Value as of the date of such amendment or termination over the exercise or base price
of such Award);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in"><B>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>The
original term of an Option or SAR may not be extended;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-align: justify; text-indent: 0.55in"><B>(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>No
termination, amendment, or modification of the Plan shall adversely affect any Award previously granted under the Plan, without
the written consent of the Participant affected thereby. An outstanding Award shall not be deemed to be &quot;adversely affected&quot;
by a Plan amendment if such amendment would not reduce or diminish the value of such Award determined as if the Award had been
exercised, vested, cashed in or otherwise settled on the date of such amendment (with the per-share value of an Option or SAR for
this purpose being calculated as the excess, if any, of the Fair Market Value as of the date of such amendment over the exercise
or base price of such Award).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">15.3. <U>COMPLIANCE
AMENDMENTS.</U> Notwithstanding anything in the Plan or in any Award Certificate to the contrary, the Board may amend the Plan
or an Award Certificate, to take effect retroactively or otherwise, as deemed necessary or advisable for the purpose of conforming
the Plan or Award Certificate to any present or future law relating to plans of this or similar nature (including, but not limited
to, Section 409A of the Code), and to the administrative regulations and rulings promulgated thereunder. By accepting an Award
under this Plan, a Participant agrees to any amendment made pursuant to this Section 15.3 to any Award granted under the Plan without
further consideration or action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 16</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>GENERAL PROVISIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">16.1. <U>RIGHTS OF PARTICIPANTS.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>No
Participant or any Eligible Participant shall have any claim to be granted any Award under the Plan. Neither the Company, its Affiliates
nor the Committee is obligated to treat Participants or Eligible Participants uniformly, and determinations made under the Plan
may be made by the Committee selectively among Eligible Participants who receive, or are eligible to receive, Awards (whether or
not such Eligible Participants are similarly situated).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Nothing
in the Plan, any Award Certificate or any other document or statement made with respect to the Plan, shall interfere with or limit
in any way the right of the Company or any Affiliate to terminate any Participant's employment or status as an officer, or any
Participant's service as a director, at any time, nor confer upon any Participant any right to continue as an employee, officer,
or director of the Company or any Affiliate, whether for the duration of a Participant's Award or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>Neither
an Award nor any benefits arising under this Plan shall constitute an employment contract with the Company or any Affiliate and,
accordingly, subject to Article 15, this Plan and the benefits hereunder may be terminated at any time in the sole and exclusive
discretion of the Committee without giving rise to any liability on the part of the Company or an of its Affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in"><B>(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B>No
Award gives a Participant any of the rights of a shareholder of the Company unless and until Shares are in fact issued to such
person in connection with such Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">16.2. <U>WITHHOLDING.</U>
The Company or any Affiliate shall have the authority and the right to deduct or withhold, or require a Participant to remit to
the Company or such Affiliate, an amount sufficient to satisfy federal, state, and local taxes (including the Participant's FICA
obligation) required by law to be withheld with respect to any exercise, lapse of restriction or other taxable event arising as
a result of the Plan. The obligations of the Company under the Plan will be conditioned on such payment or arrangements and the
Company or such Affiliate will, to the extent permitted by law, have the right to deduct any such taxes from any payment of any
kind otherwise due to the Participant. Unless otherwise determined by the Committee at the time the Award is granted or thereafter,
any such withholding requirement may be satisfied, in whole or in part, by withholding from the Award Shares having a Fair Market
Value on the date of withholding equal to the minimum amount (and not any greater amount) required to be withheld for tax purposes,
all in accordance with such procedures as the Committee establishes. All such elections shall be subject to any restrictions or
limitations that the Committee, in its sole discretion, deems appropriate.</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-indent: 0.5in">16.3. <U>SPECIAL PROVISIONS RELATED
TO SECTION 409A OF THE CODE.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><B><U>(a)&nbsp;</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>&nbsp;&nbsp;</U></B><U>General</U>.
It is intended that the payments and benefits provided under the Plan and any Award shall either be exempt from the application
of, or comply with, the requirements of Section 409A of the Code. The Plan and all Award Certificates shall be construed in a
manner that effects such intent. Nevertheless, the tax treatment of the benefits provided under the Plan or any Award is not warranted
or guaranteed. Neither the Company, its Affiliates nor their respective directors, officers, employees or advisers (other than
in his or her capacity as a Participant) shall be held liable for any taxes, interest, penalties or other monetary amounts owed
by any Participant or other taxpayer as a result of the Plan or any Award.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><B><U>(b)</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B><U>Definitional
Restrictions.</U> Notwithstanding anything in the Plan or in any Award Certificate to the contrary, to the extent that any amount
or benefit that would constitute non-exempt &quot;deferred compensation&quot; for purposes of Section 409A of the Code would otherwise
be payable or distributable, or a different form of payment (e.g., lump sum or installment) would be effected, under the Plan
or any Award Certificate by reason of the occurrence of a Change in Control, or the Participant's Disability or separation from
service, such amount or benefit will not be payable or distributable to the Participant, and/or such different form of payment
will not be effected, by reason of such circumstance unless the circumstances giving rise to such Change in Control, Disability
or separation from service meet any description or definition of &quot;change in control event,&quot; &quot;disability&quot; or
&quot;separation from service,&quot; as the case may be, in Section 409A of the Code and applicable regulations (without giving
effect to any elective provisions that may be available under such definition). This provision does not prohibit the <I>vesting
</I>of any Award upon a Change in Control, Disability or separation from service, however defined. If this provision prevents
the payment or distribution of any amount or benefit, or the application of a different form of payment of any amount or benefit,
such payment or distribution shall be made at the time and in the form that would have applied absent the Change in Control, Disability
or separation from service, as applicable, as applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><B><U>(c)</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B><U>Allocation
among Possible Exemptions.</U> If any one or more Awards granted under the Plan to a Participant could qualify for any separation
pay exemption described in Treas. Reg. Section 1.409A-1(b)(9), but such Awards in the aggregate exceed the dollar limit permitted
for the separation pay exemptions, the Company (acting through the Committee) shall determine which Awards or portions thereof
will be subject to such exemptions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><B><U>(d)</U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B><U>Installment
Payments.</U> If, pursuant to an Award, a Participant is entitled to a series of installment payments, such Participant's right
to the series of installment payments shall be treated as a right to a series of separate payments and not to a single payment.
For purposes of the preceding sentence, the term &quot;series of installment payments&quot; has the meaning provided in Treas.
Reg. Section 1.409A-2(b)(2)(iii) (or any successor thereto).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">16.4. <U>UNFUNDED
STATUS OF AWARDS.</U> The Plan is intended to be an &quot;unfunded&quot; plan for incentive and deferred compensation. With respect
to any payments not yet made to a Participant pursuant to an Award, nothing contained in the Plan or any Award Certificate shall
give the Participant any rights that are greater than those of a general creditor of the Company or any Affiliate. In its sole
discretion, the Committee may authorize the creation of grantor trusts or other arrangements to meet the obligations created under
the Plan to deliver Shares or payments in lieu of Shares or with respect to Awards. This Plan is not intended to be subject to
ERISA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">16.5. <U>RELATIONSHIP
TO OTHER BENEFITS.</U> No payment under the Plan shall be taken into account in determining any benefits under any pension, retirement,
savings, profit sharing, group insurance, welfare or benefit plan of the Company or any Affiliate unless provided otherwise in
such other plan. Nothing contained in the Plan will prevent the Company from adopting other or additional compensation arrangements,
subject to shareholder approval if such approval is required; and such arrangements may be either generally applicable or applicable
only in specific cases.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">16.6. <U>EXPENSES.</U>
The expenses of administering the Plan shall be borne by the Company and its Affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">16.7. <U>TITLES
AND HEADINGS.</U> The tides and headings of the Sections in the Plan are for convenience of reference only, and in the event of
any conflict, the text of the Plan, rather than such titles or headings, shall control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">16.8. <U>GENDER
AND NUMBER.</U> Except where otherwise indicated by the context, any masculine term used herein also shall include the feminine;
the plural shall include the singular and the singular shall include the plural.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">16.9. <U>FRACTIONAL
SHARES.</U> No fractional Shares shall be issued and the Committee shall determine, in its discretion, whether cash shall be given
in lieu of fractional Shares or whether such fractional Shares shall be eliminated by rounding up or down.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in">16.10. <U>GOVERNMENT AND OTHER REGULATIONS.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
any other provision of the Plan, no Participant who acquires Shares pursuant to the Plan may, during any period of time that
such Participant is an affiliate of the Company (within the meaning of the rules and regulations of the Securities and
Exchange Commission under the 1933 Act), sell such Shares, unless such offer and sale is made (i) pursuant to an effective
registration statement under the 1933 Act, which is current and includes the Shares to be sold, or (ii) pursuant to an
appropriate exemption from the registration requirement of the 1933 Act, such as that set forth in Rule 144 promulgated under
the 1933 Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.55in; text-indent: 0.5in; text-align: justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
any other provision of the Plan, if at any time the Committee shall determine that the registration, listing or qualification
of the Shares covered by an Award upon any exchange or under any foreign, federal, state or local law or practice, or the
consent or approval of any governmental regulatory body, is necessary or desirable as a condition of, or in connection with,
the granting of such Award or the purchase or receipt of Shares thereunder, no Shares may be purchased, delivered or received
pursuant to such Award unless and until such registration, listing, qualification, consent or approval shall have been
effected or obtained free of any condition not acceptable to the Committee. Any Participant receiving or purchasing Shares
pursuant to an Award shall make such representations and agreements and furnish such information as the Committee may request
to assure compliance with the foregoing or any other applicable legal requirements. The Company shall not be required to
issue or deliver any certificate or certificates for Shares under the Plan prior to the Committee's determination that all
related requirements have been fulfilled. The Company shall in no event be obligated to register any securities pursuant to
the 1933 Act or applicable state or foreign law or to take any other action in order to cause the issuance and delivery of
such certificates to comply with any such law, regulation or requirement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">16.11. <U>GOVERNING
LAW.</U> To the extent not governed by federal law, the Plan and all Award Certificates shall be construed in accordance with and
governed by the laws of the State of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">16.12. <U>SEVERABILITY.</U>
In the event that any provision of this Plan is found to be invalid or otherwise unenforceable under any applicable law, such invalidity
or unenforceability will not be construed as rendering any other provisions contained herein as invalid or unenforceable, and all
such other provisions will be given full force and effect to the same extent as though the invalid or unenforceable provision was
not contained herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">16.13. <U>NO LIMITATIONS
ON RIGHTS OF COMPANY.</U> The grant of any Award shall not in any way affect the right or power of the Company to make adjustments,
reclassification or changes in its capital or business structure or to merge, consolidate, dissolve, liquidate, sell or transfer
all or any part of its business or assets. The Plan shall not restrict the authority of the Company, for proper corporate purposes,
to draft or assume awards, other than under the Plan, to or with respect to any person. If the Committee so directs, the Company
may issue or transfer Shares to an Affiliate, for such lawful consideration as the Committee may specify, upon the condition or
understanding that the Affiliate will transfer such Shares to a Participant in accordance with the terms of an Award granted to
such Participant and specified by the Committee pursuant to the provisions of the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in">16.14. <U>INDEMNIFICATION.</U>
Each person who is or shall have been a member of the Committee, or of the Board, or an officer of the Company to whom authority
was delegated in accordance with Article 4 shall be indemnified and held harmless by the Company against and from any loss, cost,
liability, or expense that may be imposed upon or reasonably incurred by him or her in connection with or resulting from any claim,
action, suit, or proceeding to which he or she may be a party or in which he or she may be involved by reason of any action taken
or failure to act under the Plan and against and from any and all amounts paid by him or her in settlement thereof, with the Company's
approval, or paid by him or her in satisfaction of any judgment in any such action, suit, or proceeding against him or her, provided
he or she shall give the Company an opportunity, at its own expense, to handle and defend the same before he or she undertakes
to handle and defend it on his or her own behalf, unless such loss, cost, liability, or expense is a result of his or her own willful
misconduct or except as expressly provided by statute. The foregoing right of indemnification shall not be exclusive of any other
rights of indemnification to which such persons may be entitled under the Company's chatter or bylaws, as a matter of law, or otherwise,
or any power that the Company may have to indemnify them or hold them harmless.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.9pt; text-align: justify">The foregoing is hereby acknowledged as
being the SmartFinancial, Inc. 2010 Incentive Plan as adopted by the Board on March 10, 2010 and by the shareholders on March 10,
2010.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 2.8in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"><B></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt"><B>SMARTFINANCIAL, INC.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 45%; border-bottom: Black 1pt solid"><IMG SRC="tsig_ex10-6.jpg" ALT="">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Its:</TD>
    <TD STYLE="border-bottom: Black 1pt solid">President &amp; CEO</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt"><B>&nbsp;</B>&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SUMMARY OF THE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SMARTFINANCIAL, INC. 2010 INCENTIVE PLAN</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in"><I>Purpose. </I>The
purpose of the 2010 Incentive Plan is to promote the Company's success by linking the personal interests of its employees, officers,
directors and consultants to those of its shareholders, and by providing participants with an incentive for outstanding performance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in"><I>Authorized Shares.
</I>The aggregate number of shares of the Company's common stock reserved and available for issuance pursuant to awards granted
under the 2010 Incentive Plan is 500,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in"><I>Awards Available.
</I>The 2010 Incentive Plan authorizes the granting of awards in any of the following forms:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-align: justify; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">options to purchase shares of common stock, which may be non-qualified stock options or incentive
stock options under the U.S. tax code;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-align: justify; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">stock appreciation rights, which give the holder the right to receive the difference between the
fair market value per share of common stock on the date of exercise over the grant price;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-align: justify; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">restricted stock, which is subject to restrictions on transferability and subject to forfeiture
on terms set by the Board;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-indent: -0.25in; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">restricted or deferred stock units, which represent the right to receive shares of common stock (or an equivalent value in
cash or other property) at a designated time in the future, based upon the attainment of stated vesting or performance criteria
in the case of restricted stock units;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-align: justify; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">performance awards, which are payable in cash or stock upon the attainment of specified performance
goals;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-align: justify; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">dividend equivalents, which entitle the participant to payments (or an equivalent value payable
in stock or other property) equal to any dividends paid on the shares of stock underlying an award;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-align: justify; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">other stock-based awards in the discretion of the Board, including unrestricted stock grants; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-align: justify; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">purely cash-based awards.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.55in"><I>Administration.
</I>The 2010 Incentive Plan will be administered by the Board, or a committee thereof. The details of awards, such as vesting terms
and post-termination exercise periods, would be addressed in the individual award agreements, which would not have to be the same
for all participants, although some degree of uniformity is</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">the payout opportunities attainable under all outstanding performance-based awards will vest based
on target or actual performance (depending on the time during the performance period in which the change in control occurs) and
the awards will payout on a pro rata basis. based on the time elapsed prior to the change in control, and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in">(B) with
respect to awards assumed by the surviving entity or otherwise equitably converted or substituted in connection with a change in
control, if within two years after the effective date of the change in control, a participant's employment is terminated without
Cause or the participant resigns for Good Reason (as such terms are defined), then:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-align: justify; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">all of that participant's outstanding options and SARs will become fully vested and exercisable;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-align: justify; text-indent: -0.25in"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">all time-based vesting restrictions on that participant's outstanding awards will lapse as of the
date of termination; and</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.8in; text-indent: -0.25in; text-align: justify"><B>&nbsp;</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.55in; text-align: justify"></TD><TD STYLE="width: 0.25in; text-align: justify"><FONT STYLE="font-family: Symbol"><B>&middot;</B></FONT></TD><TD STYLE="text-align: justify">the payout opportunities attainable under all of that participant's outstanding performance-based awards will vest based on
target or actual performance (depending on the time during the performance period in which the date of termination occurs) and
the awards will payout on a pro rata basis, based on the time elapsed prior to the date of termination.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-indent: 0.5in; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-indent: 0.5in; text-align: justify"><I>Discretionary Acceleration.
</I>The Board also may in its discretion at any time declare any or all awards to be fully vested. The Board may discriminate among
participants or among awards in exercising such discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.05in; text-align: justify; text-indent: 0.5in"><I>Termination
or Amendment. </I>The Board would be able to terminate, amend or modify the 2010 Incentive Plan, but certain types of amendments
would require shareholder approval. No termination or amendment of the 2010 Incentive Plan may adversely affect any award previously
granted under the plan without the written consent of the participant. The Board may amend or terminate outstanding awards, but
such amendments may require the consent of the participant.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<TYPE>EX-10.7
<SEQUENCE>16
<FILENAME>v419670_ex10-7.htm
<DESCRIPTION>EXHIBIT 10.7
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 10.7</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>INCENTIVE STOCK OPTION CERTIFICATE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>Non-transferable </I><BR>
GRANT TO</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U STYLE="text-decoration: none">_____________ </U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I><U>(&quot;Optionee&quot;)</U></I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">the right to purchase from SmartFinancial,
Inc. (the <U>&quot;Company&quot;)</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U STYLE="text-decoration: none">_____________</U> shares of its common
stock, par value $1.00, at the price of <U STYLE="text-decoration: none">$_______</U> per share (the <U>&quot;Option&quot;)</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">pursuant to and subject to the provisions
of the SmartFinancial, Inc. 2010 Incentive Plan (the <U>&quot;Plan&quot;)</U> and to the terms and conditions set forth on the
following page (the <U>&quot;Terms and Conditions&quot;).</U> By accepting the Option, Optionee shall be deemed to have agreed
to the Terms and Conditions set forth in this Award Certificate and the Plan. Capitalized terms used herein and not otherwise defined
shall have the meanings assigned to such terms in the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Unless vesting is accelerated as provided
in Section 1 of the Terms and Conditions or otherwise in the discretion of the Board, the Option shall vest (become exercisable)
as follows: __________, provided that Optionee remains employed by the Company on each applicable vesting date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-indent: -0.1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0; text-align: justify">IN WITNESS WHEREOF, SmartFinancial,
Inc., acting by and through its duly authorized officers, has caused this Award Certificate to be duly executed. SMARTFINANCIAL,
INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #090E12; text-indent: 0">TERMS AND CONDITIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">1.&nbsp;&nbsp;&nbsp;<U>Vesting
of Option.</U> The Option shall vest (become exercisable) in accordance with the schedule shown on the cover page of this Award
Certificate. Notwithstanding the foregoing vesting schedule, upon Optionee's death or termination of employment by reason of Disability
during his or her Continuous Service, or if Optionee's employment is terminated by the Company other than for Cause or Disability
or Optionee resigns for Good Reason within two (2) years following a Change in Control, the Option shall become fully vested and
exercisable. In the event of Optionee's termination of Continuous Service for any other reason, the unvested portion of the Option
will expire immediately.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">2.&nbsp;&nbsp;&nbsp;<U>Term of
Option and Limitations on Right to Exercise.</U> The term of the Option will be for a period of ten years, expiring at 5:00 p.m.,
Eastern Time, on the tenth anniversary of the Grant Date (the <U>&quot;Expiration Date&quot;).</U> To the extent not previously
exercised, the Option will lapse prior to the Expiration Date upon the earliest to occur of the following circumstances:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0; color: #090E12">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in; color: #090E12">(a)&nbsp;&nbsp;&nbsp;three
(3) months after the termination of Optionee's employment for any reason other than (i) for Cause or (ii) by reason of Optionee's
death or Disability;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0; color: #090E12">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in; color: #090E12">(b)&nbsp;&nbsp;&nbsp;twelve
(12) months after the termination of Optionee's employment by reason of Optionee's Disability; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0; color: #090E12">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in; color: #090E12">(c)&nbsp;&nbsp;&nbsp;twelve
(12) months after Optionee's death, if Optionee dies while employed, or during the three-month period described in subsection (a)
above or the twelve-month period described in subsection (b) above and before the Option otherwise expires; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0; color: #090E12">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.2in; color: #090E12">(d)&nbsp;&nbsp;&nbsp;immediately
upon the termination of Optionee's employment for Cause.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">If Optionee
or his or her beneficiary exercises an Option after termination of employment, the Option may be exercised only with respect to
the Shares that were otherwise vested on Optionee's termination of employment, including Option Shares vested by acceleration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">3.&nbsp;&nbsp;&nbsp;<U>Exercise
of Option.</U> The Option shall be exercised by (a) written notice directed to the Secretary of the Company or his or her designee
at the address and in the form specified by the Company from time to time and (b) payment to the Company in full for the Shares
subject to such exercise. If the person exercising an Option is not Optionee, such person shall also deliver with the notice of
exercise appropriate proof of his or her right to exercise the Option. Payment for such Shares shall be (a) in cash, (b) by delivery
(actual or by attestation) of Shares previously-acquired by the purchaser, (c) at the election of the Company, by withholding of
Shares from the Option, or (d) any combination thereof, for the number of Shares specified in such written notice. Shares surrendered
or withheld for this purpose shall be valued at the Fair Market Value on the date of exercise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">4.&nbsp;&nbsp;&nbsp;<U>Restrictions
on Transfer and Pledge.</U> No right or interest of Optionee in the Option may be pledged, encumbered, or hypothecated to or
in favor of any party other than the Company or an Affiliate, or shall be subject to any lien, obligation, or liability of
Optionee to any other party other than the Company or an Affiliate. The Option is not assignable or transferable by Optionee
other than by will or the laws of descent and distribution. The Option may be exercised during the lifetime of Optionee only
by Optionee or any permitted transferee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #090E12; text-indent: 0; text-align: justify"><U>5.</U>&nbsp;&nbsp;&nbsp;<U>Restrictions
on Issuance of Shares.</U> If at any time the Board shall determine in its discretion, that registration, listing or qualification
of the Shares covered by the Option upon any securities exchange or under any foreign, federal, or local law or practice, or the
consent or approval of any governmental regulatory body, is necessary or desirable as a condition to the exercise of the Option,
the Option may not be exercised in whole or in part unless and until such registration, listing, qualification, consent or approval
shall have been effected or obtained free of any conditions not acceptable to the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; color: #090E12; text-indent: 0; text-align: justify"><U>6.</U>&nbsp;&nbsp;&nbsp;<U>Notification
of Disposition.</U> Optionee agrees to notify the Company in writing within 30 days of any disposition of Shares acquired by Optionee
pursuant to the exercise of the Option, if such disposition occurs within two years of the Grant Date, or one year of the date
of exercise, of the Option. The Company has the authority and the right to deduct or withhold, or require Optionee to remit to
the Company, an amount sufficient to satisfy federal, state, and local taxes required by law to be withheld with respect to any
&quot;disqualifying disposition&quot; of Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0"><U>7.</U>&nbsp;&nbsp;&nbsp;<U>Interpretation.
</U>It is the intent of the parties hereto that the Option qualifies for incentive stock option treatment pursuant to, and to
the extent permitted by, Section 422 of the Code. All provisions hereof are intended to have, and shall be construed to have,
such meanings as are set forth in applicable provisions of the Code and Treasury Regulations to allow the Option to so qualify.
To the extent that any portion of the Option fails to qualify for incentive stock option treatment pursuant to Section 422 of
the Code, such nonqualifying portion of the Option shall be a nonstatutory stock option, governed under Section 83 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0"><U>8.</U>&nbsp;&nbsp;&nbsp;<U>Plan
Controls.</U> The terms contained in the Plan are incorporated into and made a part of this Award Certificate and this Award Certificate
shall be governed by and construed in accordance with the Plan. In the event of any actual or alleged conflict between the provisions
of the Plan and the provisions of this Award Certificate, the provisions of the Plan shall be controlling and determinative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0"><U>9.</U>&nbsp;&nbsp;&nbsp;<U>Successors.
</U>This. Award Certificate shall be binding upon any successor of the Company, in accordance with the terms of this Award Certificate
and the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0"><U>10.</U>&nbsp;&nbsp;&nbsp;<U>Notice.
</U>Notices hereunder must be in writing, delivered personally or sent by registered or certified U.S. mail, return receipt requested,
postage prepaid. Notices to the Company must be addressed to SmartFinancial, Inc., P.O. Box 1910, Pigeon Forge, Tennessee 37868,
Attn: Secretary, or any other address designated by the Company in a written notice to Optionee. Notices to Optionee will be directed
to the address of Optionee then currently on file with the Company, or at any other address given by Optionee in a written notice
to the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; color: #090E12; text-indent: 0"><U>11.</U>&nbsp;&nbsp;&nbsp;<U>Shareholders'
Agreement.</U> As a condition to the issuance of Shares of Stock hereunder, Optionee agrees that such Shares shall be subject
to all of the terms, conditions and restrictions contained in any Shareholders' Agreement by and among the Company and its shareholders,
and that Optionee will become a party to and subject to such Shareholders' Agreement.</P>

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<P STYLE="margin: 0; text-align: right">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Exhibit 10.8</B></P>

<P STYLE="margin: 0; text-align: right">&nbsp;</P>

<P STYLE="margin: 0; text-align: right"><B>Qualified ISO</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Management Employees</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SmartBank</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Sevierville</B></FONT><B>,
Tennessee</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>MANAGEMENT INCENTIVE STOCK OPTION AGREEMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&#9;Grant Date: _____________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt"><B>THIS
AGREEMENT </B></FONT>is made and entered into effective as of this [date], by and between SmartBank (the &quot;Bank&quot;), a Tennessee-chartered
commercial bank with its principal place of business in Sevierville, Tennessee, and ___________ (&ldquo;Optionee&quot;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt"><B>WHEREAS</B></FONT>,
upon recommendation of the Board of Directors, the shareholders of the Bank have adopted the SmartBank Option Plan (the &ldquo;Plan&rdquo;)
authorizing the grant of stock options with respect to the common stock of the Bank, one dollar ($1.00) par value, (the &ldquo;Stock&rdquo;)
to, <I>inter alia</I>, management employees of the Bank; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt"><B>WHEREAS</B></FONT>,
the Bank desires to further the business objectives of the Bank and the Plan, to reward Optionee&rsquo;s past contributions to
the performance of the Bank and to provide financial incentives for Optionee to contribute to the future success of the Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt"><B>NOW,
THEREFORE</B></FONT>, in consideration of the promises and the mutual covenants hereinafter set forth, the undersigned agree as
follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Grant of Option</U>.
Subject to the terms and conditions of this Agreement, the Bank hereby grants to the Optionee the right and option to purchase
fifty thousand (<B>50,000</B>) shares of the Bank&rsquo;s Stock at the exercise price specified below (the &ldquo;Option&rdquo;).
This is intended to qualify as an Incentive Stock Option as set forth in Section 422 of the Internal Revenue Code.</P>

<P STYLE="font: 10pt Courier; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exercise Price</U>.
The exercise price for the shares of Stock shall be $10.00 per share, which price represents the fair market value of the Bank's
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Vesting</U>.
The Option shall vest at a rate of one-fifth (1/5)of the total number of shares granted under this Agreement on each &ldquo;Vesting
Date&rdquo; specified below, provided the Optionee is still employed by the Bank on each Vesting Date. The first &ldquo;Vesting
Date&rdquo; shall be the first anniversary of the Grant Date indicated above, and the second, third, fourth, and final &ldquo;Vesting
Dates&rdquo; shall be on the subsequent anniversaries of the Grant Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Option
Term</U>. Subject to the terms of paragraphs 5 and 6, the Option may be exercised at any time with respect to shares of Stock as
to which it has vested prior to the close of the business on the tenth (10<SUP>th</SUP>) anniversary of the Grant Date (the &ldquo;Expiration
Date&rdquo;). To the extent not exercised, this Option shall expire as of that date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exercise
of Option</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provided
he/she is actively employed by the Bank, the Optionee may exercise any vested portion of the Option prior to the Expiration Date
by transmitting notice of exercise and the required payment by mail or hand-delivery to the President of the Bank, specifying the
number of shares of Stock to be purchased and the exercise price tendered in payment for the shares in accordance with subparagraph
(d) below. Such exercise shall be deemed effective upon the Optionee placing in the mail or hand-delivering such written notice
together with the required payment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event employment of the Optionee by the Bank is terminated, Optionee may exercise any vested portion of the Option within three
(3) months after such termination, unless otherwise determined by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event of the death of the Optionee while actively employed by the Bank or within three (3) months after termination of employment,
any vested portion of the Option may be exercised at any time within one year after the date of death by the personal representative
of the estate of the Optionee or by any person who has acquired the Option from the Optionee by bequest or inheritance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Payment
of the exercise price for the number of shares of Stock as to which the Option is exercised shall be in cash or certified or cashier&rsquo;s
check payable to the order of the Bank, in an amount equal to the exercise price per share multiplied by the number of shares as
to which the Option is exercised. The Bank shall have the right to require a cash payment upon the exercise of the Option in connection
with an obligation, if any, of the Bank to withhold taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulation.</U>
Notwithstanding anything contained in this Agreement, all or any portion of the Option, whether vested or nonvested, shall be forfeited
in the event that the primary state or federal regulator of the Bank orders such forfeiture, after proper notice and opportunity
for hearing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Adjustment
Upon Changes in Capitalization</U></FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
at any time during the period when this Option may be exercised, the Bank shall declare or pay a dividend(s) payable in shares
of its Stock (or any security convertible into or granting rights to purchase shares of such Stock) or split the then outstanding
shares of its Stock into a greater number of shares, the number of shares of Stock which may be purchased upon the exercise of
this Option in effect at the time of taking a record for such dividend or at the time of such stock split shall be proportionately
increased and the exercise price per share proportionately decreased as of such time; and conversely, if at any time the Bank shall
reduce the number of outstanding shares of its Stock by combining such shares into a smaller number of shares, the number of shares
which may be purchased upon the exercise of this Option at the time of such action shall be proportionately decreased and the exercise
price per share proportionately increased as of such time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Bank consolidates or merges with or into another corporation (whether or not the Bank shall be the surviving entity), or sells
all or substantially all of its assets as part of a reorganization within the meaning of Section 368 of the Internal Revenue Code
of 1986, as amended, or reclassifies or reorganizes its capital structure (except a stock dividend, split, or combination covered
by subparagraph (a) hereof), the number of shares subject to Option shall be increased or decreased to reflect the number of shares
to which the Optionee would have been entitled to receive in connection with such transaction if the shares subject to this Option
had been issued and held by Optionee on the record date for such transaction. Notice of such consolidation, merger, sale, reclassification,
or reorganization and of said provisions proposed to be made shall be mailed to the Optionee not less than (30) days prior to such
record date. As a condition to any reorganization, reclassification, consolidation, merger or sale, in which the Bank is not the
survivor, the Bank or any successor, surviving or purchasing corporation, as the case may be, shall agree that it is bound by this
Option, that it will satisfy all of the obligations of the Bank hereunder and that the Optionee shall have the right, upon exercise
of this Option, on the terms and conditions hereof, to receive the kind and amount of stock, securities or assets receivable upon
such reorganization, reclassification, consolidation, merger or sale, including the number of shares of Stock issuable upon exercise
of this Option immediately prior to such reorganization, reclassification, consolidation, merger or sale, subject to adjustments
which shall be as nearly equivalent as may be practicable to the adjustments provided for in this subparagraph (b); provided, however,
that Optionee shall be required to exercise all such options within 24 months from the date of such reorganization, reclassification,
consolidation, merger, or sale.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provided
there exists a sufficient number of shares of Stock subject to the Plan, if, at any time, the Bank increases the number of shares
of Stock issued and outstanding above the number issued and outstanding as of the date hereof, including those events causing adjustment
as set forth herein, this Agreement shall be modified so as to grant additional Options for the number of shares necessary to bring
the total number of shares subject to this Agreement to the same <I>pro rata</I> percentage of the outstanding shares of Stock
of the Bank as granted herein. Such additional Options shall be on the same terms as provided in this Agreement, with adjustments
in the vesting schedule if needed to preserve the status of the additional Options as Incentive Stock Options (as such term is
defined in the Plan). The exercise price to the Optionee for any subsequent purchase of shares of Stock under this Agreement shall
be determined by the Board of Directors of the Bank at the time of such issue, but in no event shall the exercise price of those
shares be less than Fair Market Value (as such term is defined in the Plan) on the date of their issue.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Delivery
of Stock Certificates</U>. As soon as practicable after an exercise hereunder, in whole or in part, and in no event later than
five (5) business days after an effective exercise and payment in full of the exercise price for the number of shares of Stock
to be purchased, the Bank at its expense shall cause to be issued in the name of and delivered to the Optionee a stock certificate,
validly issued, for the number of duly authorized, fully paid and nonassessable shares of Stock to which the Optionee is entitled
upon such exercise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reservation
of Shares</U>. Except as otherwise restricted by the Plan, the Bank shall at all times reserve and keep available a number of its
authorized but unissued shares of its Stock sufficient to permit the exercise in full of this Option.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reservation
of Rights by Bank</U>. When the transfer of the Stock subject to this Option may, in the opinion of the Bank, conflict or be inconsistent
with any applicable law or regulation of any governmental agency having jurisdiction, the Bank reserves the right to refuse to
transfer such Stock, and shall return any tendered exercise price therefor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Rights or Liabilities as Shareholder</U>. The Optionee shall have no rights or any obligations or liabilities as a shareholder
of the Bank with respect to any shares which may be purchased upon exercise of this Option unless and until a certificate representing
such shares is duly issued and delivered to the Optionee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>No
Employment Rights</U>. Nothing in this Agreement, including the grant of the Option hereunder, shall confer on the Optionee any
right to continue in the active employment of the Bank or interfere in any way with the right of the Bank at any time to terminate
or modify the terms or conditions of such service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">13.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Transferability</U></FONT>.
The Option shall not be transferable by the Optionee otherwise than by Will or by the laws of descent and distribution. The Option
may be exercised during his or her lifetime only by the Optionee or his or her guardian, or after his or her death by the legal
representative of his or her estate or his or her heirs. Without limiting the generality of the foregoing, the Option may not be
assigned, transferred, pledged or hypothecated (whether by operation of law or otherwise) and shall not be subject to execution,
attachment or similar process. Any attempted assignment, transfer, pledge, hypothecation or other disposition of the Option contrary
to the provisions hereof, or by the levy of any attachment or similar process upon the Option, shall be void and of no force or
effect. Notwithstanding the foregoing, to the extent that the Option must be pledged by the Optionee to finance the acquisition
of the shares upon exercise, the Option may be pledged for such purpose.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">14.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Plan
Terms</U>. The terms of the Plan, pursuant to which this Agreement is made, are incorporated herein by reference and expressly
made a part of this Agreement. In the event of any contradiction or inconsistency between this Agreement and the Plan, the terms
and conditions of the Plan shall control. Capitalized terms not otherwise defined herein shall have the meaning given to such terms
in the Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">15.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rule
16b-3</U>. This Agreement and the Option granted hereunder shall be limited and construed in such respects as may be necessary
in order that it will receive the full benefit of the exemption from liability provided by Rule 16b-3 under the Securities Exchange
Act of 1934, as amended, or any successor rule or regulation to the extent applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">16.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law</U>. This Agreement is to be construed and enforced in accordance with and governed by the procedural provisions and substantive
law of the State of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">17.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Miscellaneous</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as provided herein, this Agreement may not be amended or otherwise modified unless evidenced in writing and signed by an authorized
officer of the Bank and the Optionee or his or her duly appointed attorney-in-fact.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
notices under this Agreement shall be mailed or delivered by hand to the parties at their respective addresses as recorded in the
official stockholder records of the Bank or at such other address as the parties may from time to time provide to each other in
writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><B>IN WITNESS WHEREOF,</B>
the Bank and the Optionee have duly executed this Incentive Stock Option Agreement as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 85%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 10pt Courier New, Courier, Monospace; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>SmartBank</B></FONT></TD>
    <TD STYLE="font: 10pt Courier New, Courier, Monospace; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 10pt Courier New, Courier, Monospace; text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif"><B>OPTIONEE</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="font: 10pt Courier New, Courier, Monospace; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 10pt Courier New, Courier, Monospace; text-align: justify">&nbsp;</TD>
    <TD STYLE="font: 10pt Courier New, Courier, Monospace; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Courier New, Courier, Monospace; text-align: justify; width: 4%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Courier New, Courier, Monospace; text-align: justify; width: 38%">&nbsp;</TD>
    <TD STYLE="font: 10pt Courier New, Courier, Monospace; text-align: justify; width: 16%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font: 10pt Courier New, Courier, Monospace; text-align: justify; width: 42%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 99.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SmartFinancial and Cornerstone Bancshares
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Announce Merger Completion</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Partnership Creates Premier Franchise
in Strong Southeastern Markets</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Knoxville, TN and Chattanooga, TN - September 2, 2015 (PR Newswire)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SmartFinancial, Inc., parent company of SmartBank, and Cornerstone
Bancshares, Inc., parent company of Cornerstone Community Bank, announced the closing of the merger of their two holding companies,
with the combined company to carry the name of &ldquo;SmartFinancial, Inc.&rdquo; The company also intends to change the trading
symbol of its common stock to &ldquo;SMBK&rdquo; (OTCBB: SMBK) from &ldquo;CSBQ&rdquo; (OTCBB: CSBQ), and has relocated its corporate
headquarters to Knoxville, Tennessee. The company has also filed an application to list its common stock on the Nasdaq Capital
Market under the symbol &ldquo;SMBK.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On a pro forma combined basis, based on financial results as
of June 30, 2015, SmartFinancial had approximately $980 million in total assets, with 12 full-service branch locations in the East
Tennessee and the Florida Panhandle markets. The company plans to merge SmartBank and Cornerstone Community Bank in 2016, after
which time the combined bank is expected to be the twelfth largest bank chartered in Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;After months of diligent planning and preparation, it
gives me great pleasure to announce the completion of this merger,&rdquo; said SmartFinancial&rsquo;s President and CEO Billy Carroll.
&ldquo;This is a true merger of equals which will allow us to retain our existing talented team, build on our combined strengths,
shared values and culture while operating more efficiently for the benefit of all stakeholders.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;We are excited about where we&rsquo;re heading with this
unique partnership,&rdquo; said Chairman Miller Welborn, who will be based at Cornerstone Community Bank&rsquo;s main office, located
in the heart of Chattanooga&rsquo;s &ldquo;Innovation District&rdquo; downtown. &ldquo;As we transform into a more dynamic and
innovative bank, we will be better positioned to grow with our strong Southeastern markets,&rdquo; he said. &ldquo;As we redefine
banking for the future, we will always remain a community bank, with a heart and soul centered on relationships, people and the
communities we serve.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Under the terms of the merger agreement and a concurrent four-to-one
reverse stock split of CSBQ stock, each outstanding share of common stock held by legacy SmartFinancial shareholders will be converted
into 1.05 shares of the surviving company&rsquo;s common stock. The surviving company&rsquo;s board includes the current seven
members of the legacy SmartFinancial board and four legacy members of the previous Cornerstone Bancshares board, under the following
leadership structure: Miller Welborn, Chairman; Bill Carroll, Vice-Chairman; and Billy Carroll, President and Chief Executive Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Additional information may be found at the corporate investor
relations site: <U>www.smartfinancialinc.com</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B><U>Advisors in Transaction</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">SmartFinancial was advised by Hovde
Financial and the law firm of Butler Snow LLP. Cornerstone was advised by Raymond James &amp; Associates, Inc. and the law firm
of Miller &amp; Martin PLLC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>About SmartFinancial, Inc.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SmartFinancial, Inc., based in Knoxville, Tennessee, is the
bank holding company for SmartBank and Cornerstone Community Bank. SmartBank is a full-service commercial bank founded in 2007,
with seven branches throughout East Tennessee and the Florida Panhandle. Recruiting the best people, delivering exceptional client
service, strategic branching and a conservative and disciplined approach to lending have all given rise to SmartBank&rsquo;s success.
More information about SmartFinancial can be found on its website: <U>www.smartbank.com</U>. Cornerstone Community Bank is a full-service
commercial bank founded in 1996, with five branches throughout the Chattanooga MSA and one loan production office in Dalton, Georgia.
Cornerstone Community Bank specializes in providing customized financial solutions for businesses and consumers, by offering a
comprehensive range of products and services designed to help companies and individuals build strong financial foundations. More
information about Cornerstone Community Bank can be found on its website:&nbsp;<U>www.cscbank.com</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>This release contains forward-looking statements. SmartFinancial
cautions you that a number of important factors could cause actual results to differ materially from those currently anticipated
in any forward-looking statement. Such factors include, but are not limited to: changes in management&rsquo;s plans for the future,
prevailing economic and political conditions, particularly in our market area; credit risk associated with our lending activities;
changes in interest rates, loan demand, real estate values and competition; changes in accounting principles, policies, and guidelines;
changes in any applicable law, rule, regulation or practice with respect to tax or legal issues; and other economic, competitive,
governmental, regulatory and technological factors affecting our operations, pricing, products and services and other factors that
may be described in our Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q as filed with the Securities and Exchange
Commission from time to time.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>In addition to these risks, acquisitions and business combinations
present risks other than those presented by the nature of the business acquired. Acquisitions and business combinations may be
substantially more expensive to complete than originally anticipated, and the anticipated benefits may be significantly harder&mdash;or
take longer&mdash;to achieve than expected. As regulated financial institutions, our pursuit of attractive acquisition and business
combination opportunities could be negatively impacted by regulatory delays or other regulatory issues. Regulatory and/or legal
issues related to the pre-acquisition operations of an acquired or combined business may cause reputational harm to SmartFinancial
following the acquisition or combination, and integration of the acquired or combined business with ours may result in additional
future costs arising as a result of those issues.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>The forward-looking statements are made as of the date of
this release, and, except as may be required by applicable law or regulation, SmartFinancial assumes no obligation to update the
forward-looking statements or to update the reasons why actual results could differ from those projected in the forward-looking
statements.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Source</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SmartFinancial, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Investor Contacts</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SmartFinancial, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Billy Carroll</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">President &amp; CEO</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">865.868.0613</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Frank Hughes</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Executive Vice President</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Investor Relations</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">423.385.3009</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><U>Media Contact</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Kelley Fowler</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Vice President, Public Relations &amp; Marketing</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">SmartBank</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">865.868.0611</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>kfowler@smartbank.net</U></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
