Document:

EXHIBIT
10.7

 

TENNESSEE COMMERCE BANK

Common Stock Option

Number 4

 

1.             General Provisions.  Tennessee Commerce Bank, a Tennessee
corporation (herein called the “Company”), for value received, and other good
and valuable consideration, receipt of which is hereby acknowledged, hereby
certifies that H. Lamar Cox, or his/her/its registered assigns (herein called
the “Option Holder”) is entitled to purchase shares of the fully paid and
nonassessable Common Stock, $1.00 par value per share, of the Company (such number
and character of such shares being subject to adjustment as provided in
paragraph 4 below), at Exercise Price set forth herein by surrendering this
Option executed by the Option Holder and by paying in full the Exercise Price
for the number of shares of Common Stock as to which this Option is
exercised.  No fractional shares shall be
issued hereunder, and instead, any fractional shares created by exercise
hereunder shall be purchased by the Company at the rate of the Exercise Price
then in effect.

 

2.             Expiration Date.  This Option shall expire and all rights
hereunder shall cease on the tenth anniversary of the date of this Option,
subject to any early termination date set forth in his employment agreement
with the Company.

 

3.             Number of Shares
Covered by Option; Exercise Price.  The number of shares of the Company’s  Common Stock for which this Option may be
exercised shall be a number of shares equal to 2% of the number of shares sold
in the Company’s initial offering of stock, 
subject to adjustment as provided in paragraph 4 below, which may be
purchased as a whole or in part any time upon vesting.  The price per share for the shares purchased
upon exercise of this Option shall be $10.00 per share, subject to adjustment
as provided in paragraph 4 below (the “Exercise Price”).  The number of shares for which this Option
may be exercised shall be vested in 1/3 increments on each of the first three
anniversary dates of the Option.  The
Option Holder’s employment agreement will govern vesting in the event of
termination of employment by disability or death; otherwise, no further shares
shall vest after any other termination of service with the Company.

 

4.             Adjustments in
Number of Shares and Exercise Price.  If at any time during the period when this
Option may be exercised, the Company shall declare or pay a dividend or
dividends payable in shares of its 
Common Stock (or any security convertible into or granting rights to
purchase shares or such  Common Stock) or
split the then outstanding shares of its 
Common Stock into a greater number of shares, the number of shares
of  Common Stock which may be purchased
upon the exercise of this Option in effect at the time of taking of a record
for such dividend or at the time of such stock split shall be proportionately
increased and the Exercise Price proportionately decreased as of such time; and
conversely, if at any time the Company shall contract the number of outstanding
shares of its  Common 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 proportionately increased as
of such time.

 

Appropriate and similar
adjustment of the number of shares which may be purchased upon the exercise of
this Option and of the Exercise Price shall also be made in the event of any
other capital adjustment, recapitalization, reorganization, or reclassification
of the Company’s  Common Stock, or any
consolidation of the Company with, or a merger of the Company into, any other
Company, or a sale, lease or other transfer of all or substantially all of the
assets of the Company, or a distribution by the Company of its assets with
respect to its  Common Stock as a liquidating
or partial liquidating dividend, or the happening of any other similar event
affecting the  Common Stock.  In any such event, the Option Holder shall
have the right thereafter to exercise this Option for the acquisition of any
kind and amount of shares of stock and other securities and property to which
the Option Holder would have been entitled if the Option Holder had
purchased  Common Stock of the Company by
the full exercise of this Option immediately prior to such capital adjustment,
recapitalization, reorganization, reclassification, consolidation, merger,
sale, lease, transfer, distribution or other similar event, and the Company
shall make lawful provision therefor as a part of such event.  The Company shall not effect any such
consolidation,  merger,  sale,  lease  or similar  transfer involving another Company unless,
upon or prior to the consummation thereof, 

 

 

the successor Company or the Company to which
the property of the Company has been consolidated, merger, sold, leased or otherwise
transferred shall assume by written instrument the obligation to deliver to the
Option Holder such shares of stock, securities, cash or property as in
accordance with the foregoing provisions of the Option Holder shall be entitled
to receive.  All provisions of this
Section 4 are limited to the vested portion of any such Options affected at the
time such Options are exercised.

 

5.             Reservation of
Shares.  The Company shall
at all times reserve and keep available a number of its authorized but unissued
shares of its  Common Stock sufficient to
permit the exercise in full of this Option.

 

6.             Sale of Option or
Shares.  Neither this
Option nor the shares to be issued hereunder have been registered under the
Securities Act, or under the securities laws of any state.  Neither this Option nor such shares to be
issued hereunder, when issued, may be sold, transferred, pledged or
hypothecated in the absence of an effective registration statement for this
Option, or the shares to be issued hereunder, as the case may be, under the
Securities Act, and such registration or qualification as may be necessary
under the securities laws of any state, or an opinion of counsel satisfactory
to the Company that such registration or qualification is not required.

 

This Option shall be
registered on the books of the Company, which shall be kept by it at its
principal office for the purpose and shall be transferable only on said books
by the registered owner hereof in person or by duly authorized attorney upon
surrender of this Option properly endorsed, and only in compliance with the
provisions of the preceding paragraph. 
In case of the exercise hereof in part only, the Company will deliver to
the Option Holder a new Option of like tenor in the name of the Option Holder
evidencing the right to purchase the number of shares as to which this Option
has not been exercised.

 

7.             Capital Call.  The Company’s primary federal regulator may
direct the Company to require the Option Holder to exercise or forfeit his
rights under this Option if the Company’s capital falls below the minimum
requirements, as determined by the Company’s state or primary federal
regulator.

 

8.             Governing Law.  This Option is to be construed and enforced
in accordance with and governed by the laws of the State of Tennessee.

 

IN WITNESS
WHEREOF, the Company
has caused this Option to be issued in its corporate name by its duly appointed
officer.

 

	
  Effective:
  March 15, 1999

  	
  TENNESSEE COMMERCE BANK

  
	
   

  
	
   

  	
  By:

  	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  Title:EXHIBIT
10.8

 

EMPLOYMENT
AGREEMENT

 

This Employment Agreement (this “Agreement”)
is made and entered into as of this 20th day of July, 2004 by and between
TENNESSEE COMMERCE BANK (the “Employer” or “Bank”), and ARTHUR F. HELF (the “Employee”
or “Executive”).

 

1.                                      Employment.  The Employer employs the Employee and the Employee accepts
employment upon the terms and conditions of this Agreement.  For the purposes of this Agreement, the
following terms shall have the meanings indicated:

 

(a)                                  Change
in Control.  A “Change in Control”
shall be deemed to have occurred if:

 

(i)                                     any
one person or entity, or more than one person or entity acting as a group,
acquires ownership of stock of the Bank constituting more than 50% of the total
voting power of the Bank;

 

(ii)                                  a
merger or consolidation where the holders of the voting stock of the Bank
immediately prior to the effective date of such merger or consolidation own
less than 50% of the voting stock of the entity surviving such merger or
consolidation; or

 

(iii)                               any one person or entity
or more than one person or entity acting as a group, acquires assets from the
Bank that have a total fair market value greater than 50% of the total fair
market value of all of the Bank’s assets immediately before the acquisition or
acquisitions; provided, however, that transfers of assets which otherwise would
satisfy the requirements of this subsection (iii) will not be treated as an
acquisition of such assets if the assets are transferred to:

 

(A)                              any
entity, 50% or more of the total value or voting power of which is owned,
directly or indirectly by the Bank;

 

(B)                                any
person or entity, or more than one person or entity acting as a group, that
owns, directly or indirectly, 50% or more of the total value or voting power of
all of the outstanding stock of the Bank; or

 

(C)                                any
entity, as least 50% of the total value or voting power of which is owned,
directly or indirectly, by a person who owns, directly or indirectly, 50% or
more of the total value or voting power of all the outstanding capital stock of
the Bank.

 

Notwithstanding the foregoing, a Change in
Control shall not be deemed to have occurred solely as a result of any
transaction or reorganization undertaken for the primary purpose of
implementing a change in jurisdiction or charter of the Bank.  For purposes of this Agreement, an “affiliate”
of, or a person(s) “affiliated with” a specified person(s), is a person that,
directly or indirectly, through one or more intermediaries, controls, or is
controlled by, or is under common control with, the person(s) specified.

 

 

(b)                                 Confidential Information.  Confidential Information shall mean any and
all information the Employee acquires or to which the Employee has access
during  the Term that has not been
disclosed publicly by the Employer and is not a matter of common knowledge in
the fields of work of the Employer.  The
Confidential Information shall include, but not be limited to, trade secrets,
technical data, mailing lists, the names of suppliers and customers, and the
arrangements made from time to time with suppliers and customers.

 

(c)                                  Good Cause.  “Good Cause” shall be deemed to have occurred
if either party has breached this Agreement and the non-breaching party gives
notice in writing, delivered to the breaching party and providing ten (10)
calendar days, from the date of delivery of the notice, within which the
breaching party has the opportunity to cure, if possible, the breach.  In addition, Good Cause for termination shall
exist if Employee engages in any of the following conduct while an employee of
the Employer:  (1) willful and knowing
dishonesty in communication of any kind on any material subject for any purpose
either to the Employer or to any person or entity for or on behalf of the Employer;
(2) use of more than an insubstantial and quantitatively small amount of time
during normal business hours of the Employer for activities not calculated and
reasonably designed to produce profit for the Employer; (3) theft,
embezzlement, false entries on records, misapplication of funds or property,
misappropriation of any asset, any conduct resulting in conversion of any kind,
or any actual or constructive fraud; (4) at any time during or after employment
at the Employer, imparting Confidential Information, whether proprietary or
non-proprietary, to any person other than (i) an authorized employee of the
Employer; or (ii) as required by law, or (iii) as part of a privileged
communication to an attorney; (5) gross neglect of duty, including, but not
limited to, failure or refusal to attend to the duties of employment at the
Employer; (6) participating in any conduct involving moral turpitude or which
results in public disgrace including, but not limited to, conduct for which
there is probable cause to believe that, if criminally prosecuted, such conduct
would be adjudged felonious; (7) counseling, advising, assisting, procuring or
aiding any employee of the Employer in any above-recited conflict of interest;
(8) knowing, believing or having reason to know or believe that an employee of
the Employer has, is, or is about to engage in any above-recited conflict of
interest and not revealing said knowledge or belief and the reason for it to
the Employer; (9) receiving, during the term of this Agreement, compensation,
income, anything of value, or a future interest in or future entitlement to
compensation, income or a thing of value, from any person or entity who or
which is engaged in the same or substantially the same business as the Employer
in the same product, service or geographical market, except stock dividends
and/or capital gains from passive investments in financial institutions by
Employee made in the ordinary course of business and as part of Employee’s
investment portfolio.  However, cause
shall not be deemed to exist merely because of a difference of opinion between
Employee and the Employer, or any employees, directors or officers of either,
as to philosophy of management or other personal beliefs.

 

(d)                                 Total Disability.  The phrase “Total Disability” means the
inability of Employee to perform his normal required services hereunder by
reason of Employee’s mental or physical illness or incapacity, which illness or
incapacity is expected to be permanent and continuous during the remainder of
Employee’s life, as so determined by a 

 

2

 

licensed physician selected by Employee and
reasonably satisfactory to the Employer’s Board of Directors.

 

2.                                      Term.  The term (“Term”) of this Agreement shall begin on the date
of the Agreement (Effective Date) and end on the second anniversary of such
date (the Employment Period).  The
Employment Period shall be a constant rolling period of two years, commencing
on the Effective Date, with the result that, for each day after the Effective
Date the Executive’s term of employment shall be two years.  The Termination Date may be modified upon:

 

(a)                                  Mutual Agreement.  The mutual written agreement of the Employer
and the Employee.

 

(b)                                 Resignation.  The effective date of the Employee’s
resignation.

 

(c)                                  Death or Disability.  The death or total disability of the
Employee.

 

(d)                                 Termination.  The Employer’s termination of the Employee’s
employment, upon written notice to the Employee, for Good Cause, as further
defined above, certified by a vote of the Board of Directors exclusive of the
Employee.

 

(e)                                  Breach.  The breach by the Employee of any provision
of this Agreement.

 

3.                                      Compensation.

 

(a)                                  Base Salary.  As compensation for the services to be
rendered by Employee during the period of his employment hereunder, and upon
the condition that Employee shall fully and faithfully keep and perform all of
the terms and conditions hereof, Employer shall pay Employee a salary of
$151,800 per year, less income tax withholdings and other normal employee
deductions, plus any additional amounts designated as Base Salary increases by
the Board of Directors of the Employer, which amount is payable in equal
installments (no less frequent than monthly) in accordance with the payroll
practices from time to time adopted by the Employer.

 

(b)                                 Additional Compensation.  During the Term of this Agreement, Employee
shall participate in an incentive program providing an earning potential
equivalent of up to 50% of the salary

 

(c)                                  Benefits.  The Bank shall provide the Employee with
medical, dental, vision and disability insurance (collectively, “Health
Insurance”), as well as a term life insurance policy (“Life Insurance”) with a
death benefit equal to $300,000.  The
Bank will provide the Employee with automobile benefits commensurate with his position
and at least comparable to other employees of the Employer.

 

This Agreement
shall not be deemed abrogated or terminated if the Board of Directors or
stockholders of Employer shall determine to increase the compensation of
Employee for any period of time.

 

3

 

4.                                      Duties. 
The Employee is engaged as Chairman of the Board and Chief Executive
Officer of the Employer with such duties to be established by the Board of
Directors and/or as specified in the Bylaws of the employer.

 

5.                                      Working Facilities. 
The Employee shall have a private office, stenographic help, and such
other facilities and services as are suitable to his position and appropriate
for the performance of his duties.

 

6.                                      Disclosure of Information. 
The Employee acknowledges that the Confidential Information is a
valuable, special, and unique asset of the Employer’s business.  The Employee will not, during or after the
term of his employment, disclose any Confidential Information to any person, firm,
corporation, association, or other entity for any reason or purpose
whatsoever.  In the event of a breach or
threatened breach by the Employee of the provisions of this paragraph, the
Employer shall be entitled to an injunction restraining the Employee from
disclosing, in whole or in part, the Confidential Information, or from
rendering any services to any person, firm, corporation, association, or other
entity to whom such Confidential Information, in whole or in part, has been
disclosed or is threatened to be disclosed. 
Nothing herein shall be construed as prohibiting the Employer from
pursuing any other remedies available to the Employer for such breach or
threatened breach, including the recovery of damages from the Employee.

 

7.                                      Expenses. 
The Employee may incur reasonable expenses for promoting the Employer’s
business, including expenses for entertainment, travel, and similar items.  The Employer will reimburse the Employee for
all such expenses upon the Employee’s periodic presentation of an itemized
account of such expenditures.

 

8.                                      Vacations. 
The Employee shall be entitled each year to a vacation of five (5)
weeks, during which time his compensation shall be paid in full.  A portion of such vacation shall be taken over
a two week consecutive period.

 

9.                                      Force Majeure and Disability. 
If Employer is unable to conduct its business, or a substantial portion
thereof, by virtue of governmental regulation or order, or by strike, war,
fire, earthquake, hurricane, or similar acts of God, or other calamity
(declared or undeclared), or because of other similar or dissimilar cause
beyond control of Employer (all of which events are hereinafter sometimes
referred to as “Force Majeure”), or in the event Employee suffers a Total
Disability, Employer shall, in the event the Force Majeure and/or Total
Disability continue for at least eight aggregate weeks during any four-month
period, have the right to suspend the operation of this Agreement for the
duration of said Force Majeure and/or Total Disability (except for any benefits
payable to Employee under such benefit plans generally available to all
executive employees), and Employer shall, at its option, have the right to add
a period equal to such suspension to the Term hereof.  If the Term shall expire prior to the end of
the Termination Date because of the Employee’s Total Disability, the Employer
shall continue to pay the amounts specified in Section 3 during the Term of
this Agreement, provided however, that any such continued payments shall be
reduced, dollar-for-dollar, by the amount of any payments made to the Employee
pursuant to the Employer-sponsored disability plan, program or arrangement or
pursuant to disability insurance  provided  by  the
Employer  to  the Employee. 
If the Employer’s Board of  Directors
 determines  that  the  Employee,
after 

 

4

 

suffering Total Disability, is unable to manage
his or her affairs, the Employer shall pay the amounts due under this
Section 9 as the Employee’s duly appointed guardian, conservator, or other
legal representative, instead of the Employee.

 

10.                               Termination With Cause. 
With Good Cause, the Employer may terminate this Agreement at any time
upon written notice to the Employee.  In
such event, the Employee, if requested by the Employer, shall continue to
render his services, and shall be paid his regular compensation up to the date
of termination, but no other payments or benefits shall be paid or vested to
him.

 

11                                  Change
in Control Payment.  In the event
that a Change in Control occurs during
the term hereof, irrespective of whether or not the Employee’s employment is
terminated by the Bank or any successor to the Bank, the Bank shall (i) pay the
Employee an amount equal to (w) the product of 2.99 times the sum of the
Employee’s expected Base Salary and Additional Compensation for the calendar
year during which the Change in Control occurs (which expected Base Salary and
Additional Compensation shall be in no event less than that earned by the
Employee during the preceding calendar year), plus (x) provide continued health
and life insurance benefits, at the level maintained by the Bank for the
Employee, for the remaining term of the Agreement, and (ii) grant the Employee
the right to purchase the employer-owned or leased automobile used by the
employee as of the effective date of the Change in Control at the lower of (y)
the Trade-In Value (as that term is defined in the current Kelley Blue Book) or
(z) the book value as shown on the leasing Employer’s books.  Any payments to be made by the Bank to the
Employee pursuant to clause (i) of this Subsection 10 shall be paid in the Bank’s
discretion either in a lump sum or in equal installments over a twenty-four
(24) month period beginning on the effective date of the Change in
Control.  If it is determined by the Bank’s
independent auditors that any monetary or other benefit received or deemed
received by the Employee in the event of a Change in Control is or will become
subject to any excise tax under Section 4999 of the Code or any similar tax
under any United States federal, state, or local law, the Bank shall pay to the
Employee, within 30 business days, an amount equal to the estimated excise tax
but not to exceed $100,000.00.

 

12.                               Death During
Employment.  If the Term shall expire prior to the end of
the Termination Date because of the Employee’s death, the Employer shall
thereafter make payments equal to 75% of the amount specified in Section 3(a),
(b), and (c), during the Term.  The
payments described in this Section 12 shall be made to the Employee’s
spouse if the Employee is married at the time of the Employee’s death, but if
the Employee is not married at the time of the Employee’s death or if the
Employee is married at the time of the Employee’s death and the Employee’s
spouse dies before all the payments are made under this Section 12, the
remaining payments shall be made to the Employee’s estate.

 

13.                               Competition During and After
Term.  Employee agrees that during the Term hereof,
and for a period of one (1) year after the expiration of the Term, he will not,
either separately, jointly, or in association with others, directly or
indirectly, as an agent, employee, owner, partner, stockholder, or otherwise,
allow his name to be used by, or establish, engage in, or become interested in
any business, trade or occupation similar to the business being conducted by
Employer, in any county in any of the States of the United States in which
Employer’s business is presently being conducted, as long as Employer, or any
person, firm, or corporation 

 

5

 

deriving title to the goodwill of, or shares
from it, carries on a like business therein. 
Notwithstanding the preceding sentence, Employee shall be allowed to
engage in or be interested in the businesses and activities  enumerated in Schedule 1 annexed hereto, if
any, provided that his interest or involvement therein does not otherwise
violate any other term or provision of this Agreement other than the preceding
sentence of this Section.  Employer and
Employee acknowledge that during the Term of Employee’s employment, Employee
will acquire special knowledge and/or skill that he can effectively utilize in
competition with Employer.  Furthermore,
although not a term or condition of this Agreement, Employer and Employee
acknowledge that, as of the date hereof, it is reasonably contemplated that
Employee’s services will be utilized by Employer in executive, managerial,
and/or supervisory capacities throughout the areas in which Employer conducts
its business, and in the general operation of Employer’s business wherever it
is being conducted, throughout the United States.

 

Employee
agrees that the remedy at law for any breach by him of the covenants contained
herein will be inadequate, and that in the event of a violation of the
covenants contained herein, in addition to any and all legal and equitable
remedies which may be available, the said covenants may be enforced by an
injunction in a suit in equity, without the necessity of proving actual damage,
and that a temporary injunction may be granted immediately upon the
commencement of any such suit, and without notice.  The parties hereto intend that the covenants
contained in this Section shall be deemed to be a series of separate covenants,
one for each county of each state where Employer does business.  If, in any judicial proceeding, a court shall
refuse to enforce any or all of the separate covenants deemed included in such
action, then such unenforceable covenants shall be deemed eliminated from the
provisions hereof for the purposes of such proceeding to the extent necessary
to permit the remaining separate covenants to be enforced in such
proceeding.  Furthermore, if in any
judicial proceeding a court shall refuse to enforce  any covenant by reason of the duration or
extent thereof, such covenant shall be construed to have only the maximum
duration or extent permitted by law.

 

14.                               Intellectual Property.  The Employee also shall disclose fully and
only to the Employer all ideas, methods, plans, developments, improvements, or
patentable inventions, that relate directly or indirectly to the business of
the Employer, that are known, made, or discovered by the Employee at any time
during the Term.  Nothing in this
Section, however, shall be construed as requiring any communication to the
Employer of the idea, method, plan, development, improvement, or invention if
protected by any lawful prohibition against the communication.  All disclosures are to be made promptly after
conception or discovery of the idea, method, plan, development, improvement, or
invention.  Any idea, method, plan,
development, improvement, or invention that the Employee is obligated to
disclose to the Employer under this Section shall be the property of the
Employer.  The Employee shall (a) provide
any and all assistance to the Employer in making any patent applications or
other applications for obtaining exclusive rights in, and (b) do all other
things reasonably necessary to vest in the Employer or its assigns, the ideas,
methods, plans, development, improvements, or inventions.  Nothing herein shall be construed as
prohibiting the Employer from pursuing any other remedies available to the
Employer for such breach or threatened breach, including the recovery of
damages from the Employee.

 

6

 

15.                               Notices. 
Any notice required or desired to be given under this Agreement shall be
deemed given if in writing sent by certified mail to his residence, in the case
of the Employee, or to its principal office, in the case of the Employer.

 

16.                               Waiver of Breach. 
The waiver by the Employer of a breach of any provision of this
Agreement by the Employee shall not operate or be construed as a waiver of any
subsequent breach by the Employee.  No
waiver shall be valid unless in writing and signed by an authorized officer of
the Employer.

 

17.                               Assignment. 
The Employee acknowledges that the services to be rendered by him are
unique and personal.  Accordingly, the
Employee may not assign any of his rights or delegate any of his duties or
obligations under this Agreement.  The
rights and  obligations of the Employer
under this Agreement shall inure to the benefit of and shall be binding upon
the successors and assigns of the Employer.

 

18.                               Compliance with Other Agreements.  The Employee represents and warrants that the
execution of this Agreement and the performance of the Employee’s obligations
under this Agreement will not conflict with, result in the breach of any
provision of, cause the termination of, or constitute a default under any
Agreement to which the Employee is a party or by which the Employee is or may
be bound.

 

19.                               Litigation Expense.  In the event of a default under this
Agreement, the defaulting party shall reimburse the nondefaulting party for all
costs and expenses reasonably incurred by the nondefaulting party in connection
with the default, including without limitation attorney’s fees.  Additionally, in the event a suit or action
if filed to enforce this agreement or with respect to this Agreement, the
prevailing party or parties shall be reimbursed by the other party for all
costs and expenses incurred in connection with the suit or action, including
without limitation reasonable attorney’s fees at the trial level and on appeal.

 

20.                               Severability.  In the event any section, subsection,
provision, or clause of this Agreement or any combination thereof is found to
be unenforceable at law, in equity, or under any presently existing other after
enacted legislation, regulation, or order of the United Sates, any state or
subdivision thereof or any municipality, those finding shall not in any way
affect the other sections, subsections, provision, or clauses of this
Agreement, which shall continue in full force and effect, and the unenforceable
provision shall be interpreted in a manner that imposed the maximum restriction
or obligation permitted by applicable law.

 

21.                               Entire Agreement. 
This Agreement contains the entire understanding of the parties.  It may not be changed orally but only by an
agreement in writing signed by the party against whom enforcement of any
waiver, change, modification, extension, or discharge is sought.

 

22.                               Governing Law. 
This Agreement shall be construed and enforced in accordance with the
laws of the State of Tennessee.

 

IN
WITNESS WHEREOF, the parties hereto have executed this
Agreement on

 

July 20,2004.

 

7

 

	
   

  	
  EMPLOYER:

  
	
   

  	
   

  
	
   

  	
  TENNESSEE COMMERCE BANK

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  	
   

  
	
   

  	
  EMPLOYEE:

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
   

  	
   

  
	
   

  	
  Arthur F. Helf

  	
   

  

 

8

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