Exhibit 10.2

SECOND AMENDMENT

to

LOAN AGREEMENT

between

U.S. BANK NATIONAL ASSOCIATION

and

PINNACLE FINANCIAL PARTNERS, INC.

Second Amendment dated as of April 26, 2017
First Amendment dated as of March 27, 2017
Original Agreement dated as of March 29, 2016

SECOND AMENDMENT TO
LOAN AGREEMENT
This SECOND AMENDMENT TO LOAN AGREEMENT (this "Second Amendment") is dated as of
April 26, 2017, and is made by and between PINNACLE FINANCIAL PARTNERS, INC., a
Tennessee corporation ("Borrower"), and U.S. BANK NATIONAL ASSOCIATION, a
national banking association ("Lender").
R E C I T A L S:
A. Borrower is a bank holding company that owns 100% of the issued and
outstanding capital stock of PINNACLE BANK, a Tennessee banking corporation with
its principal banking offices in Nashville, Tennessee.
B. The Borrower and Lender are party to a Loan Agreement dated as of March 29,
2016 (as amended, amended and restated, supplemented or otherwise modified from
time to time prior to the date hereof including pursuant to that certain First
Amendment to Loan Agreement dated March 27, 2017, the "Original Agreement").
C. The parties hereto desire to amend and modify the Original Agreement in
accordance with the terms and subject to the conditions set forth in this Second
Amendment.
D. Capitalized terms not otherwise defined in this Second Amendment shall have
the meanings respectively ascribed to them in the Original Agreement.
NOW, THEREFORE, in consideration of the mutual covenants, conditions and
agreements herein contained, the parties hereto hereby agree as follows:
A G R E E M E N T:
SECTION 1. AMENDMENTS TO THE ORIGINAL AGREEMENT.
1.1 Definitions (Section 1.1).  The definition of the terms "Maturity Date" set
forth in Section 1.1 of the Original Agreement shall be amended in its entirety
to read as follows:
"Maturity Date" means March 27, 2018.
SECTION 2. REPRESENTATIONS AND WARRANTIES.  Borrower hereby represents and
warrants to Lender as of the date hereof as follows:
(i) No Event of Default or Unmatured Event of Default has occurred and is
continuing, and no Event of Default or Unmatured Event of Default would result
from the amendments contemplated hereby.
(ii) The execution, delivery and performance by the Borrower of this Second
Amendment have been duly authorized by all necessary corporate and other action
and do not and will not require any registration with, consent or approval of,
or notice to or action by any Person (including any Governmental Agency) in
order to be effective and enforceable.
(iii) This Second Amendment and the other Transaction Documents (as amended by
this Second Amendment) constitute the legal, valid and binding obligations of
Borrower, enforceable against Borrower in accordance with their respective
terms, except as such enforceability may be limited by bankruptcy, insolvency,
reorganization, moratorium, or other laws relating to or limiting creditors'
rights or equitable principles generally.
(iv) All of the representations and warranties of Borrower in the Original
Agreement are true and correct as of the date hereof, after giving effect to the
updates to the Disclosure Schedule delivered in connection with the execution of
this Second Amendment, except to the extent that such representations and
warranties specifically refer to an earlier date.
(v) Borrower's obligations under the Original Agreement and under the other
Transaction Documents are not subject to any defense, counterclaim, set-off,
right to recoupment, abatement or other claim.

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SECTION 3.         ADDITIONAL TERMS.
 
3.1 Acknowledgement of Indebtedness under Agreement.  Borrower acknowledges and
confirms that, as of the date hereof, Borrower is indebted to Lender, without
defense, setoff, or counterclaim, in the aggregate principal amount of ZERO AND
00/100 DOLLARS ($-0-) under the Original Agreement.
3.2 The Agreement.  On and after the Effective Date: (i) each reference in the
Original Agreement to "this Agreement," "hereunder," "hereof," "herein," or
words of like import shall mean and be a reference to the Original Agreement as
amended hereby, (b) each reference to the Original Agreement in all Transaction
Documents shall mean and be a reference to the Original Agreement, as amended
hereby, and (c) this Second Amendment shall be deemed a "Transaction Document"
for the purposes of the Original Agreement.
3.3 Second Amendment and Original Agreement to be Read Together.  This Second
Amendment supplements and is hereby made a part of the Original Agreement, and
the Original Agreement and this Second Amendment shall from and after the
Effective Date be read together and shall constitute one agreement. Except as
otherwise set forth herein, the Original Agreement shall remain in full force
and effect.
3.4 Acknowledgements.  Borrower acknowledges that (i) it has been advised by
counsel of its choice of law with respect to this Second Amendment, the Original
Agreement, the other Transaction Documents and the transactions contemplated
hereby and thereby, (ii) any waiver of Borrower set forth herein has been
knowingly and voluntarily made, and (iii) the obligations of Lender hereunder
shall be strictly construed and shall be expressly subject to Borrower's
compliance in all respects with the terms and conditions of the Original
Agreement as amended by this Second Amendment.
3.5 No Waiver. The execution, delivery and effectiveness of this Second
Amendment shall not operate as a waiver of any Event of Default (including
without limitation any Events of Default existing on the date hereof, if any),
nor operate as a waiver of any right, power or remedy of Lender (including
without limitation any rights, powers or remedies of Lender with respect to any
Events of Default existing on the date hereof, if any), nor, except to the
extent the Original Agreement is expressly amended by this Second Amendment,
constitute a waiver of, or consent to any departure from, any provision of the
Original Agreement, or any of the other Transaction Documents.
3.6 No Novation.  The terms and conditions of the Original Agreement are amended
as set forth in this Second Amendment.  It is expressly understood and
acknowledged that nothing in this Second Amendment shall be deemed to cause or
otherwise give rise to a novation of the indebtedness contemplated in the
Original Agreement.  All "Borrower's Liabilities" under the Original Agreement
shall in all respects be continuing and this Second Amendment shall not be
deemed to evidence or result in a novation or repayment and re-borrowing of such
"Borrower's Liabilities."
3.7 Proposed Acquisition.   Borrower hereby agrees to deliver the following to
Lender within five (5) Business Days following the consummation of Borrower's
acquisition of BNC Bancorp, a North Carolina corporation ("BNC"), to confirm
Borrower's compliance with the applicable provision in Section 5 of the Original
Agreement:
(i)
Document(s) certified by the North Carolina Department of the Secretary of State
evidencing the merger of a wholly-owned subsidiary of Borrower merging with and
into BNC, with BNC as the surviving corporation;

(ii)
Document(s) certified by the Tennessee Secretary of State evidencing the merger
of BNC with and into Borrower, with Borrower as the surviving corporation; and

(iii)
A certificate executed by the Chief Executive Officer, President, Chief
Financial Officer, Chief Administrative Officer or Treasurer of Borrower
confirming that (a) the outstanding Indebtedness of BNC has been assumed by
Borrower in accordance with the documents evidencing and governing such
Indebtedness, (b) all Indebtedness of BNC assumed by Borrower qualifies as, and
constitutes, Permitted Subordinated Indebtedness, and (c) giving effect to the
assumption of such Indebtedness of BNC, the representations and warranties of
Borrower set forth in Section 4.4.6 of the Agreement shall continue to be true
and accurate, assuming for purposes of the certificate that all Indebtedness of
BNC assumed by Borrower is included in the definition of "Junior Subordinated
Debentures".

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SECTION 4. CONDITIONS PRECEDENT.  The amendments set forth in SECTION 1 above
shall become effective as of the date (the "Effective Date") on which each of
the following conditions shall have been satisfied: (i) Borrower and Lender
shall have received one or more counterparts of this Second Amendment duly
executed and delivered by the other; (ii) Lender shall have received payment
from Borrower, in immediately available funds, of an amount sufficient to
reimburse Lender for all reasonable out-of-pocket costs, fees and expenses
incurred by Lender, or for which Lender has become obligated, in connection with
the negotiation, preparation and consummation of the First Amendment to Loan
Agreement dated March 27, 2017 and this Second Amendment  (including the
applicable facility fee and any outstanding unused fee), and that have been
invoiced as of the Effective Date, including but not limited to, reasonable
attorneys' fees and expenses; and (iii) a copy, certified by the Secretary or
Assistant Secretary of Borrower, of its Board of Directors' resolutions
authorizing the execution, delivery, and performance, respectively, of this
Second Amendment and any other documents to be executed, delivered, or performed
in connection with this Second Amendment.
SECTION 5. RELEASE.  Borrower, for itself and its successors and assigns, does
hereby fully, finally and unconditionally release and forever discharge, and
agrees to hold harmless, Lender and each of its equity holders and affiliates,
and their respective agents, advisors, managers, parents, subsidiaries,
attorneys, representatives, employees, officers and directors, and the
successors, assigns, heirs and representatives of each of the foregoing, from
any and all debts, claims, counterclaims, setoffs, obligations, damages, costs,
attorneys' fees and expenses, suits, demands, liabilities, actions, proceedings
and causes of action, in each case whether known or unknown, contingent or
fixed, direct or indirect and of whatever kind, nature or description, and
whether in law or in equity, under contract, tort, statute or otherwise, that
Borrower has heretofore had or now or hereafter can, shall or may have by reason
of any act, omission or thing whatsoever done or omitted to be done on or prior
to the Effective Date arising out of, connected with or related in any way to
this Second Amendment, the Original Agreement, the other Transaction Documents,
the transactions described therein, the Loan, Lender's administration thereof,
or the financing or banking relationships of Borrower with Lender.
SECTION 6. Miscellaneous.  This Second Amendment may be executed by facsimile
and 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 and all of which taken together shall constitute but one and the
same instrument. This Second Amendment shall be governed by, and construed in
accordance with, the law of the State of New York.

EACH PARTY HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES (TO THE
FULLEST EXTENT PERMITTED BY APPLICABLE LAW) ANY RIGHT THAT IT MAY HAVE TO A
TRIAL BY JURY IN ANY LITIGATION ARISING IN ANY WAY IN CONNECTION WITH THIS
SECOND AMENDMENT OR ANY OF THE OTHER TRANSACTION DOCUMENTS, OR ANY OTHER
STATEMENTS OR ACTIONS OF BORROWER OR LENDER.  BORROWER ACKNOWLEDGES THAT IT HAS
BEEN REPRESENTED IN THE SIGNING OF THIS SECOND AMENDMENT AND IN THE MAKING OF
THIS WAIVER BY INDEPENDENT LEGAL COUNSEL SELECTED OF ITS OWN FREE WILL, AND THAT
IT HAS DISCUSSED THIS WAIVER WITH SUCH LEGAL COUNSEL.  BORROWER FURTHER
ACKNOWLEDGES THAT (a) IT HAS READ AND UNDERSTANDS THE MEANING AND RAMIFICATIONS
OF THIS WAIVER, (b) THIS WAIVER HAS BEEN REVIEWED BY BORROWER AND BORROWER'S
COUNSEL AND IS A MATERIAL INDUCEMENT FOR LENDER TO ENTER INTO THIS SECOND
AMENDMENT AND THE TRANSACTION DOCUMENTS, AND (c) CERTIFIES THAT NO
REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PERSON HAS REPRESENTED, EXPRESSLY
OR OTHERWISE, THAT SUCH OTHER PERSON WOULD NOT, IN THE EVENT OF LITIGATION, SEEK
TO ENFORCE THE FOREGOING WAIVER.
IN WITNESS WHEREOF, the parties hereto have caused this Second Amendment to be
duly executed and delivered as of the day and year first above written.

 
PINNACLE FINANCIAL PARTNERS, INC.
 
 
By: /s/ Harold R. Carpenter                                       
Name: Harold R. Carpenter
Title: Executive Vice President and Chief Financial Officer
 
 
 
U.S. BANK NATIONAL ASSOCIATION
 
 
By: /s/ Mark R. Cousineau                                        
Name: Mark R. Cousineau
Title: Senior Vice President