Document:

<PAGE>

                                                                  EXHIBIT 10.17

                     INFORMATION PROCESSING SYSTEM AGREEMENT

                                 BY AND BETWEEN

                              OPEN SOLUTIONS INC.,

                             A DELAWARE CORPORATION

                                      (OSI)

                                       AND

                        PINNACLE FINANCIAL PARTNERS INC.

                                   (LICENSEE)

                         EFFECTIVE AS OF JULY 12, 2000

<PAGE>

<TABLE>

                                               TABLE OF CONTENTS
                                    INFORMATION PROCESSING SYSTEM AGREEMENT
<S>                                                                                                                  <C>

INFORMATION  PROCESSING  SYSTEM  AGREEMENT...........................................................................1
1. Parties...........................................................................................................3
2. Components........................................................................................................3
3. Definitions.......................................................................................................3
4. Entirety of Agreement.............................................................................................7
5. Products and Services.............................................................................................7
6. Payments and Terms of Payment.....................................................................................8
7. Fees..............................................................................................................9
8. Term.............................................................................................................12
9. Termination......................................................................................................12
10. State Laws......................................................................................................13
11. Amendments......................................................................................................13
12. Acceptance......................................................................................................13
13. Limitation of Liability.........................................................................................13
14. Warranties, Representations and Limitations.....................................................................15
15. Notification of Changes.........................................................................................15
16. Confidentiality.................................................................................................16
17. Remedies for Breach.............................................................................................17
18. Miscellaneous...................................................................................................19

INITIAL  PRODUCT  ORDER.............................................................................................22

IMPLEMENTATION FEE  SCHEDULE........................................................................................28

Conversion Support Services Fee.....................................................................................28
Data Conversion Services Fee........................................................................................28
Client Server Implementation Fee....................................................................................28
Certification of Network................................. ..........................................................28
Training Fee........................................................................................................28
Optional OSI Modules................................................................................................29

LICENSE  FEE  SCHEDULE..............................................................................................30

END  USER  SOFTWARE  LICENSE........................................................................................32

1. Grant of License.................................................................................................32
2. Ownership of Software............................................................................................33
3. Infringement.....................................................................................................33

SUPPORT  SERVICES  TERMS  AND  CONDITIONS...........................................................................35

1. Support Coverage.................................................................................................35
2. Support Services.................................................................................................35
3. Term of Support Services.........................................................................................35
4. Remote Support Service...........................................................................................36
5. Response, Problem Resolution Standards and Error Correction......................................................36
</TABLE>

                                     PAGE 1
<PAGE>

<TABLE>

<S>                                                                                                                 <C>
6. Exclusions.......................................................................................................36

ANNUAL SUPPORT FEESCHEDULE..........................................................................................38

IMPLEMENTATION  TERMS  AND  CONDITIONS..............................................................................39

1. Implementation...................................................................................................39
2. Implementation Services..........................................................................................41
3. Fees and Payment.................................................................................................41
4. Term and Termination.............................................................................................42
5. Exclusions.......................................................................................................42
6. Limitation of Liability..........................................................................................42

TRAINING  SCHEDULE..................................................................................................43

ESCROW  TERMS  AND  CONDITIONS......................................................................................46

1. Source Code Agreement............................................................................................46
2. License..........................................................................................................46
3. Definitions......................................................................................................47

AMENDMENTS  TO  AGREEMENT...........................................................................................48
</TABLE>

                                     PAGE 2

<PAGE>

1.    PARTIES

This INFORMATION PROCESSING SYSTEM AGREEMENT (the "Agreement") is made and
entered into by and between Open Solutions Inc., a Delaware corporation (OSI),
and:

                  PINNACLE FINANCIAL PARTNERS, INC.(the "Licensee")
whose address is: 3401 WEST END AVENUE, SUITE 306
                  NASHVILLE, TN 37203

as of the "Effective Date" (as defined in section 3.9 below).

2.    COMPONENTS

This Agreement incorporates the following attachments which bear the same
Agreement Number as set out in the header to this page above, each such
attachment being referred to individually as an "Attachment" and collectively as
the "Attachments":

      a) Initial Product Order  (Attachment # 1).
      b) End User Software License  (Attachment # 2).
      c) Support Services Terms and Conditions (Attachment # 3).
      d) Annual Support Fee Schedule, which shall be updated from time to time
         (Attachment # 4).
      e) Implementation Terms and Conditions (Attachment # 5).
      f) Training Schedule (Attachment # 6).
      g) Escrow Terms and Conditions (Attachment # 7).
      h) Amendments to Agreement (Attachment # 8)
      I) VERSION 3.4 OF THE OSI DOCUMENTATION (EXHIBIT A)

This Agreement may also incorporate Subsequent Product Orders and Service Orders
bearing the same Agreement Number as set out above, provided that:

      a) OSI has provided the Subsequent Product Order or Service Order form to
         Licensee;
      b) OSI and the Licensee both execute such Subsequent Product
         Order or Service Order; and
      c) Attachments to a Subsequent Product Order or a Service Order shall
         only apply to the Subsequent Product Order or Service Order to which
         they are attached. Such attachments shall have no force or effect as
         to any other product order, service order, purchase order,
         confirmation or similar form, whether pre-existing or subsequently
         entered into, even if signed by the parties after the date hereof.

3.    DEFINITIONS

For purposes of this Agreement, capitalized terms wherever defined and used
shall have the same meaning throughout this Agreement, unless specifically by
the context where used. The following

                                     PAGE 3
<PAGE>

definitions shall apply throughout this Agreement and its Attachments:

     3.1  ACCOUNT(S): The combined totals of Licensee's liability and asset
          accounts processed on the Software.

     3.2  ASSET SIZE: The total assets as described in the Licensee's most
          recent quarterly report of condition ("Call report") filed with the
          Primary Regulator.

     3.3  CONVERSION: The conversion and formatting of Licensee's existing data
          for use with the Licensed Software.

     3.4  CURRENT RELEASE: The version of the Licensed Software most recently
          distributed by OSI to its clients

     3.5  DELIVERY: The installation of the Current Release of the Licensed
          Software on the Licensee's Designated Computer Hardware or other
          acceptable computer hardware as may be designated by the Licensor and
          Licensee from time to time. Delivery shall also include the provision
          by OSI to Licensee of certain Licensed Software including Optional
          Modules and Third Party Interfaces for installation.

     3.6  DESIGNATED COMPUTER HARDWARE: The computer and network equipment
          listed on the Initial Product Order which OSI believes is compatible
          with the Licensed Software (as hereinafter defined), and such other
          computer and network equipment which OSI believes is compatible with
          the Licensed Software.

     3.7  DESIGNATED LOCATION: The street address of the primary data base
          server which is part of the Designated Computer Hardware. The Licensee
          may change the Designated Location by providing written notice to OSI.

     3.8  DOCUMENTATION: All technical materials and documents, whether in
          hard copy or magnetic media or machine readable form, regarding the
          capabilities, operation, installation and use of the Licensed
          Software (as hereinafter defined). The current version of the
          Documentation that has been released is Version 3.4, which shall be
          updated at OSI's discretion from time to time. A copy of this
          documentation is incorporated by reference into this Agreement as
          Exhibit A.

     3.9  EFFECTIVE DATE: The date that this Agreement is last signed by the
          duly authorized signatory of either OSI or Licensee.

     3.10 ERROR: A condition in the Licensed Software which causes the OSI
          Proprietary Software to fail to operate correctly.

     3.11 ERROR CORRECTION: The use of commercially reasonable efforts to
          correct Errors.

     3.12 FIX: The repair of Licensed Software to remedy an Error.

                                     PAGE 4

<PAGE>

     3.13 LICENSE. The non-exclusive, non-transferable, non-assignable,
          non-sublicensable right to use OSI's Proprietary Software, or Third
          Party Software licensed from OSI during the Term of this Agreement
          subject to the restrictions set out in the End User Software
          License (Attachment # 2).

     3.14 HIGHER LEVEL LICENSE FEE: A license fee required to be paid by
          Licensee as a result of Licensee or any entity in the Licensee Group
          merging, adding affiliates or otherwise increasing beyond the
          aggregate number of accounts for which Licensee has already paid a
          License Fee or a Higher Level License Fee under this Agreement.

     3.15 IMPLEMENTATION: The provision of services and processes in accordance
          with Implementation Terms and Conditions (Attachment #5). in order for
          the Licensed Software to be properly installed and operated with
          Licensee's data after Conversion.

     3.16 INCURRED EXPENSES: Reasonable travel and living expenses and other
          reasonable out-of-pocket expenses incurred in Implementation,
          Training, or Support Services, including (without limitation) file
          conversion costs; optional products and services, or hardware
          requested or authorized by Licensee; shipping charges; courier or
          delivery charges; tape, cartridge or diskette costs; or voice or
          non-voice telephone or communication costs.

     3.17 INITIAL PRODUCT ORDER: Attachment #1 which states the products and
          services initially ordered by Licensee under this Agreement for the
          fees stated in the Initial Product Order.

     3.18 LICENSE YEAR: Any 12 month period that commences on the Effective
          Date, or an anniversary of the Effective Date, and ends at midnight on
          the day before an anniversary of the Effective Date.

     3.19 LICENSED SOFTWARE: All versions of OSI's Proprietary Software (as
          hereinafter defined) and Third Party Software (as hereinafter defined)
          licensed by OSI to Licensee under this Agreement.

     3.20 LICENSEE GROUP: A subsidiary or affiliate of the Licensee, the parent
          corporation of Licensee, and any holding company of which Licensee is
          a subsidiary. For the purpose of this subsection, an affiliate will
          mean a corporation that is more than fifty percent (50%) owned
          directly or indirectly by the parent corporation of a Licensee, a
          subsidiary shall be a corporation of which Licensee directly or
          indirectly owns more than fifty percent (50%), and a parent
          corporation shall be a corporation that directly or indirectly owns
          more than fifty percent (50%) of Licensee, but only so long as such
          entities continue to qualify as such an affiliate, subsidiary or
          parent corporation.

     3.21 LIVE PRODUCTION: Processing Licensee's data in an actual production
          mode as opposed to testing mode only.

     3.22 LIVE PRODUCTION DATE: The actual date on which Live Production first
          occurs as

                                     PAGE 5

<PAGE>

          documented by OSI in writing to Licensee.

     3.23 PREVIOUS SEQUENTIAL RELEASE: The release of the Licensed Software
          replaced by a subsequent release of the same Licensed Software.

     3.24 PRODUCT UPDATES: New releases of the Licensed Software which support
          new regulations and provide product enhancements and Fixes. Product
          Updates consist of one copy of published revisions to the printed
          Documentation and one copy of revisions to the machine readable
          Licensed Software incorporated in the Product Updates.

     3.25 OSI'S DATABASE MODEL: The version(s) of the database model, design and
          algorithm owned and developed by OSI and incorporated into OSI's
          Proprietary Software (as hereinafter defined).

     3.26 OSI'S PROPRIETARY SOFTWARE: All version(s) of software owned by OSI
          and OSI's Database Model.

     3.27 OSI BASE SYSTEM: The OSI Proprietary Software containing the
          functional content defined as part of the base system in the Initial
          Product Order and referred to as The Complete Banking Solution in the
          Initial Product Order..

     3.28 OSI OPTIONAL MODULES: Software modules developed and proprietary to
          OSI which are not included as part of the base system but which may
          be licensed by Licensee for an additional license fee.

     3.29 REMOTE LOCATIONS: The street addresses of locations other than the
          Designated Location where terminals and computers are connected to the
          Licensed Software through the Licensee's local and wide area networks.
          The Licensee may change Remote Locations by providing written notice
          to OSI.

     3.30 SCHEDULED LIVE PRODUCTION DATE: The date specified in the initial
          product order on which the Licensee anticipates using the Software for
          Live Production.

     3.31 SEATS: Term used for the users of the Licensed Software as represented
          by the actual number of physical computer devices attached directly or
          through a network to the Designated Hardware multiplied by a factor in
          order to estimate concurrent users of the Licensed Software for
          purposes of calculating license fees for the relevant portion of the
          License Software.

     3.32 SOFTWARE: The version(s) of OSI's Proprietary Software, and Third
          Party Software (as hereinafter defined) ordered by Licensee through
          OSI, as set forth in the Product Orders, in object code format or
          database code format, together with the Documentation provided to
          Licensee by OSI, including updates, modifications or new releases of
          such software programs and Documentation that may be provided by OSI
          to the Licensee from time to time.

                                     PAGE 6

<PAGE>

     3.33 SPECIFICATIONS: All specifications set forth in:

          a)   this Agreement,
          b)   the Report (as defined in the Implementation Terms and
               Conditions)
          c)   the Documentation and
          d)   all other functional and technical specifications applicable to
               the Licensed Software.

     3.34 SUBSEQUENT PRODUCT ORDER. Any order placed by Licensee after the
          Initial Product Order.

     3.35 SERVICES: OSI support services as described in Attachment 3.

     3.36 TELEPHONE SUPPORT: Technical support telephone assistance provided by
          OSI to the Technical Support Contact concerning problem resolution and
          the use of the then current release of Licensed Software and the
          Previous Sequential Release.

     3.37 TERM: The Term of this Agreement shall commence on the Effective Date,
          and shall continue for five (5) years from the Live Production Date .
          The Term shall include any extension of such initial term or any
          subsequent term as provided for herein.

     3.38 THIRD PARTY SOFTWARE: All version(s) of:

          a)   Software owned by third parties and integrated by OSI into OSI's
               Proprietary Software and provided and sub-licensed to Licensee by
               OSI ("Third Party Software Licensed from OSI"), and
          b)   Software owned by third parties under which, or with which, OSI's
               Proprietary Software operates and which is provided and licensed
               to Licensee by third party providers ("Third Party Software
               Licensed from Third Party").

4.    ENTIRETY OF AGREEMENT

Each party's acceptance of this Agreement (as indicated by execution hereof by
their duly authorized representative) was and is limited to and is expressly
conditioned upon the other party's acceptance of the terms contained in this
Agreement, and its Attachments, to the exclusion of all other terms.
Accordingly, both parties agree that this Agreement and its Attachments are the
complete and exclusive statement of the mutual understanding of the parties and
shall and do supersede and cancel all previous written and oral agreements and
communications relating to the subject matter of this Agreement and its
Attachments.

5.    PRODUCTS AND SERVICES

OSI will provide Licensee with the following:

      a) OSI's Licensed Software as indicated on the Initial Product Order.
      b) a limited license to use the Licensed Software, subject to the
         conditions set forth in the END USER SOFTWARE LICENSE.
      c) the maintenance and support services set forth in the SUPPORT
         SERVICES TERMS AND

                                     PAGE 7

<PAGE>

          CONDITIONS on the terms set forth therein and subject to the ANNUAL
          SUPPORT FEE SCHEDULE.

     d)   the initial review, on-site survey and system implementation, as set
          forth in the IMPLEMENTATION TERMS AND CONDITIONS, and training
          services as set forth in the TRAINING SCHEDULE.

     e)   a full and current version and previous version of the Proprietary
          Software in escrow, pursuant to the ESCROW TERMS AND CONDITIONS.

6.    PAYMENTS AND TERMS OF PAYMENT

The fees required to be paid by Licensee to OSI under this Agreement include,
but may not be limited to, the initial License Fee, Third Party Software License
Fees, Third Party Interface Fees, Higher Level License Fees, an Annual Support
Fee, a Training Fee, an Implementation Fee and Incurred Expenses, all as set out
below. In the event that Licensee requires, or requests, additional services
then additional fees will be required. All invoices are due and payable upon
receipt. If OSI fails to invoice for a fee or Incurred Expenses, such failure
shall not waive the requirement for payment of the same. Any invoice or fee not
paid within thirty (30) days of the date due shall incur interest at the rate of
1.5% per month from the due date until paid to cover OSI's costs of collections
as well as interest, or, if lower, the maximum rate allowed by law unless
payment has been withheld as a result of a good faith dispute which the parties
agree to settle promptly. All amounts due under this Agreement shall be paid in
US dollars.

Amounts payable to OSI hereunder are payable in full without deduction, or set
off, and shall be in addition to all sales, use or other taxes or duties, which
Licensee shall also be responsible for paying. If an invoiced amount is
disputed, Licensee shall pay all undisputed amounts and notify OSI, in writing
and within fifteen (15) days of the receipt of invoice, specifying the amount
disputed and the nature of the dispute. OSI will investigate the disputed
amounts and resolve the matter as quickly as possible, either confirming or
revising the invoice as necessary. Licensee shall duly and timely pay all taxes
and duties, however designated, levied or based upon amounts payable to OSI
hereunder (exclusive of United States Federal, state or local taxes based upon
the net income of OSI) or the license, use or possession of the Licensed
Software. Licensee agrees to indemnify and hold OSI harmless from any such taxes
or duties which any federal, state or local taxing authority requires OSI to
pay. Licensee may challenge the applicability of any such tax so long as it
fully complies with applicable law in making such challenge, to include paying
the tax or giving OSI other satisfactory assurances of compliance, if payment is
required in order to make such challenge.

7.    FEES

        7.1  INITIAL LICENSE FEES
        The Initial License Fees for the OSI Proprietary Software and OSI
        Optional Modules and Third Party Software Licensed From OSI, are set
        forth in the Initial Product Order and any subsequent Product Order(s).
        Such fees are exclusive of installation fees, if applicable. The Initial
        License Fee is calculated according to the License Fee Schedule set
        forth in the Initial Product Order (Attachment # 1).

                                     PAGE 8

<PAGE>

          7.2  PAYMENT OF INITIAL LICENSE FEES AND THIRD PARTY SOFTWARE LICENSE
               FEES
          Initial License fees for OSI Proprietary Software and OSI Optional
          Modules and License Fees for Third Party Software Licensed From OSI
          are due and payable according to the following schedule:

<TABLE>
<CAPTION>

                                      WHEN DUE                                  % PAYMENT
                                      --------                                  ---------
        <S>                                                                       <C>

        Included with the Signed Agreement sent to OSI for Acceptance             10 %

        Delivery of  the OSI Proprietary Software and of
        Third Party Software Licensed  From OSI                                   10 %

        Upon Receipt of Charter                                                   30 %

        Live Production Date                                                      50%
</TABLE>

        7.3  HIGHER LEVEL LICENSE FEES

        If Licensee or any entity in the Licensee Group, or any of them, merges,
        adds affiliates or otherwise increases beyond the aggregate number of
        actual accounts (active and inactive) for which Licensee has already
        paid a License Fee or an Higher Level License Fee under this Agreement,
        Licensee agrees to pay an additional Higher Level License Fee as
        provided for in Initial Product Order (Attachment # 1). Notwithstanding
        the above, there shall be no Higher Level License Fee unless or until
        Licensee exceeds 25,000 accounts at which point the standard License Fee
        Schedule in this Agreement shall apply. This amendment does not apply to
        those accounts added as a result of a merger or acquisition. If as a
        result of a merger or acquisition where the number of accounts added,
        when taken in combination with the number of existing accounts of the
        bank prior to the merger increases beyond the aggregate number of actual
        accounts (active and inactive) for which Licensee has already paid a
        License Fee or an Higher Level License Fee under this Agreement,
        Licensee agrees to pay an additional Higher Level License Fee in
        accordance with the standard provisions of this Agreement.

        7.4  ANNUAL SUPPORT FEES

        Annual support fees are based upon the list price of License Fees paid
        in accordance with The Initial Product Order (Attachment #1), Higher
        Level License Fees if applicable, Fees for Third Party Software Licensed
        from OSI as indicated on The Initial Product Order as well as Fees for
        additional third party software installed during the Term of this
        agreement including Fees resulting from additional usage of third party
        software as indicated in additional Seats installed, Fees for Third
        Party interfaces as indicated on the Initial Product Order as well as
        Fees for additional interfaces ordered and installed during the Term of
        this agreement and Fees for OSI Optional Modules as indicated on the
        Initial Product Order as well as Fees for additional OSI Optional
        Modules ordered and installed during the Term of this agreement and the
        Annual Support Fee Rate (Attachment #1) in effect at the commencement of
        a License Year.

        Support Services shall commence on the on the date of Delivery of the
        Licensed Software

                                     PAGE 9

<PAGE>

        and shall continue for the initial Term and any subsequent term of
        this Agreement. The Annual Support Fee shall be billed on an annual
        basis, payable in advance of OSI's providing annual Support Services
        and shall be due and payable upon receipt by Licensee of OSI's
        invoice. Licensee's payment shall be due upon receipt of OSI invoice.
        Licensee shall be responsible for all taxes associated with Support
        Services other than any taxes based on OSI's net income. In the event
        Licensee fails to pay the Annual Support Fee to OSI by the due date,
        then to reinstate or renew Support Services, Licensee shall first pay
        OSI all unpaid prior Annual Support Fees, plus a late charge of 1.5%
        per month from the date due to the date of payment, prorated daily,
        and the then current Annual Support Fee, as computed in accordance
        with the License Fee Schedule of this Agreement.

        If OSI provides Support Services via a remote on-line connection to
        Licensee's Designated Computer Hardware, Licensee hereby agrees to
        assist OSI in the creation of such a remote on-line connection as part
        of the Implementation of the Software and agrees to maintain and allow
        OSI access to its Designated Computer Hardware and the Software
        through such remote on-line connection. In the event that the remote
        on-line connection is not available to OSI for reasons other than
        those under OSI's reasonable control necessitating that OSI's
        personnel have to attend Licensee's facility to perform Support
        Services that would otherwise have been provided via the remote
        on-line connection ("Additional Support Services"), Licensee agrees,
        in addition to the Annual Support Fee:

          a)   to pay a per diem charge for all Additional Support Services at
               OSI's then standard rates for such services and

          b)   to reimburse OSI for all Incurred Expenses incurred by or on
               behalf of OSI and its personnel in providing the Additional
               Support Services to Licensee at Licensee's facility, which shall
               have been pre-approved by Licensee in writing.

        Any such charges for Additional Support Services and Incurred Expenses
        shall be billed by OSI to Licensee on a monthly basis.

        7.5  IMPLEMENTATION FEES

        Fees shall be due and payable for the following services related to
        implementation and conversion (collectively referred to as
        "Implementation Fees"). Such Implementation Fees are set out in the Fee
        Schedule attached to the Initial Product Order (Attachment #1).
        Implementation fees shall be due and payable at the time of performance
        of the service for which the fee is charged. OSI shall be entitled to
        bill for and collect an additional Implementation Fee if Implementation
        is required whenever Licensee or any entity in the Licensee Group
        merges, adds affiliates, or otherwise changes its organization or
        structure such that implementation services are required from OSI.

               7.5.1 CONVERSION SUPPORT SERVICES FEE

               Licensee shall pay to OSI a Conversion Support Services Fee for
               OSI's agreement to perform the activities and processes provided
               for in subsections 1.a. and 1.f of the Implementation Terms and
               Conditions (Attachment #5).

                                     PAGE 10

<PAGE>

               7.5.2  DATA CONVERSION SERVICES FEE
               Licensee shall pay to OSI a Data Conversion Services Fee for
               OSI's agreement to perform the activities and processes provided
               for in subsections 1.e., 1.j., and 1.k of the Implementation
               Terms and Conditions (Attachment #5).

               7.5.3  CLIENT/SERVER IMPLEMENTATION SERVICES FEE
               Licensee shall pay to OSI a Client/Server Implementation Services
               Fee for OSI's agreement to perform the activities and processes
               provided for in subsections 1.b., 1.c., 1.d., 1.g, and 1.h of the
               Implementation Terms and Conditions (Attachment #5).

        7.6  TRAINING FEE A Training Fee is due and payable upon completion of
        the training. The Training Fee is set out in the Fee Schedule attached
        to the Initial Product Order.

        7.7  THIRD PARTY INTERFACE FEE
        Licensee shall pay to OSI a Third Party Interface Fee as set out in the
        Fee Schedule attached to the Initial Product Order (Attachment #1) for
        each Third Party Interface provided, or developed by OSI. Unless defined
        in an amendment to the contrary, all Third Party Interfaces are presumed
        to conform to OSI's standard interface format. If the Third Party
        Software for which the Third Party Interface has been provided is
        rewritten or modified in such a manner that only serves the needs of a
        single Licensee or vendor or requires the development of a non-standard
        interface, then OSI reserves the right to charge an additional Third
        Party Interface Fee for any such interface which must be rewritten or
        developed. In addition to Third Party Interface fees Licensee shall pay
        an annual support fee for Third Party Interfaces as provided for in
        paragraph 7.4 above. The Third Party Interface Fee shall be due and
        payable to OSI upon Delivery by OSI to Licensee of the Third Party
        Interface.

        7.8  INCURRED EXPENSES
        Incurred Expenses shall be due and payable immediately upon receipt by
        Licensee of OSI's invoice for such incurred expenses.

        7.9  FEE CHANGES
        OSI reserves the right to adjust its fees and prices at any time subject
        to thirty (30) days advanced notice. Such changes shall have no
        retroactive effect on Licensee. Fees for all Third Party Software
        Licensed through OSI is subject to change without notice based on the
        price that OSI is charged by such vendors for such products.

        7.10  OPTIONAL DECONVERSION SERVICES FEES
        Upon termination of this Agreement, if requested by Licensee within
        ninety (90) days of the termination, OSI shall provide services to
        Licensee in connection with such termination, for example assisting in
        data conversion. If Customer requests such services, then Licensee shall
        pay to OSI fees for such services based upon OSI's then standard rates
        plus all Incurred Expenses incurred by OSI in performing such services.

        7.11 COST OF HARDWARE PURCHASED BY LICENSEE THROUGH OSI.
        If hardware is ordered on behalf of Licensee including the hardware
        required to be used in

                                     PAGE 11

<PAGE>

        connection with the OSI real-time ATM Module,
        such hardware shall be invoiced by OSI when the hardware is ordered by
        OSI from the equipment manufacturer or dealer and such invoice shall be
        due and payable upon receipt.

8.    TERM

Subject to termination by OSI or Licensee as herein provided, the initial Term
of the License with respect to the OSI Licensed Documentation and Licensed
Software hereunder shall commence upon the Effective Date and continue for five
(5) years from the date of Live Production. The License shall be automatically
renewed at the end of the initial Term for one (1) additional year and each
subsequent year thereafter unless terminated pursuant to Section 9, if Licensee
is not then in material default under the terms of this Agreement and without
requirement for payment by the Licensee of a Higher Level License Fee, if, but
only if, the Licensee has not grown in Number of Accounts beyond the next level
as listed in the then current License Fee Schedule as set out in this Agreement.

9.    TERMINATION

Licensee may terminate the License granted under this Agreement by giving OSI a
sixty (60) day prior written notice of termination. However, except for the
License and except as otherwise expressly provided herein, the terms, conditions
and obligations of this Agreement shall survive Termination. Termination shall
not be an exclusive remedy and all other remedies shall be available whether or
not the License or this Agreement is terminated.

If Licensee terminates this Agreement pursuant to this Section prior to the end
of the existing Term, then the Licensee shall immediately pay to OSI all moneys
due and payable to OSI at the time of termination in accordance with the terms
of this Agreement except for disputed items pending resolution as provided for
in Section 6 as amended, and in addition, as a termination fee and not as a
penalty, Licensee shall pay to OSI one/half of the fees which would be or become
due and payable pursuant to the Support Services Terms & Conditions for the
balance of the unexpired Term. Notwithstanding the above, if such termination
occurs as a result of a material default by OSI, after requisite notice and
opportunity to cure, then such termination shall occur without payment of a
termination fee by Licensee.

10.   STATE LAWS

This Agreement shall be deemed to have been made in, and be construed pursuant
to the laws of the State of Georgia without regard to conflicts of laws
provisions thereof.

11.   AMENDMENTS

This Agreement may only be changed or modified by a written agreement duly
signed by authorized representatives of both parties. Any waiver of any
provision of this Agreement shall be effective only if made in writing and
signed by a duly authorized representative of the waiving party.

                                     PAGE 12

<PAGE>

12.   ACCEPTANCE

By their execution below, the parties, through their duly authorized
representatives, accept and enter into this Agreement and agree to be bound by
its terms and conditions. The undersigned individuals represent that each is
duly authorized and empowered and directed to execute this Agreement on behalf
of their respective organization.

13.   LIMITATION OF LIABILITY

13.1 EXCEPT FOR ALLEGED INFRINGEMENT OF INTELLECTUAL PROPERTY AS COVERED IN
SECTION 3 OF THE END USER SOFTWARE LICENSE INCLUDING US PATENTS, COPYRIGHTS,
TRADEMARKS TRADE NAMES OR ANY OTHER PROPRIETARY RIGHTS OF ANY THIRD PARTY, OSI'S
TOTAL LIABILITY TO LICENSEE OR ANY ENTITY IN THE LICENSEE GROUP UNDER ANY
PROVISION OF THIS AGREEMENT OR FOR ANY AND ALL CLAIMS, LOSSES OR DAMAGES
RELATING TO THE LICENSED PRODUCTS (WHETHER BASED ON TORT, CONTRACT, OR ANY OTHER
THEORY) SHALL BE LIMITED TO THE AMOUNT ACTUALLY PAID BY LICENSEE TO OSI AS
LICENSE FEES FOR THE LICENSED SOFTWARE GIVING RISE TO THE LIABILITY. THE PARTIES
ACKNOWLEDGE THAT EACH OF THEM RELIED UPON THE INCLUSION OF THIS LIMITATION IN
CONSIDERATION OF ENTERING INTO THIS AGREEMENT.

13.2 EXCEPT AS SPECIFICALLY OTHERWISE PROVIDED IN THIS AGREEMENT, OSI
SPECIFICALLY DISCLAIMS ANY OTHER WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR
STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF FITNESS FOR A
PARTICULAR PURPOSE.

13.3 IN NO EVENT SHALL EITHER PARTY BE LIABLE FOR ANY SPECIAL, INDIRECT,
INCIDENTAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE, OR INABILITY TO USE,
THE LICENSED PRODUCTS OR ARISING OUT OF ANY OTHER CIRCUMSTANCES ASSOCIATED WITH
THE SUBJECT MATTER OF THIS AGREEMENT AND ITS ATTACHMENTS, AND IN SUCH RESPECT
NEITHER PARTY SHALL BE ENTITLED TO DAMAGES BASED ON LOSS OF PROFIT, LOSS OR
INTERRUPTION OF DATA OR COMPUTER TIME, ALTERATION OR ERRONEOUS TRANSMISSION OF
DATA, EVEN IF THE OTHER PARTYIS ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH
DAMAGES OR SHOULD HAVE KNOWN OF SUCH POSSIBILITY. THE LIMITATION IN THIS SECTION
DOES NOT APPLY TO OSI'S INDEMNITY UNDER SECTION 3 OF THE END USER LICENSE
AGREEMENT.

13.4 THE EXPRESS WARRANTIES MADE IN THIS AGREEMENT TAKE THE PLACE OF AND
SUPERSEDE ALL OTHER WARRANTIES, EXPRESS OR IMPLIED AND WHETHER OF
MERCHANT-ABILITY, FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE. EXCEPT AS
EXPRESSLY PROVIDED HEREIN, OSI DOES NOT WARRANT, GUARANTEE, OR MAKE ANY
REPRESENTATIONS REGARDING THE USE, OR THE RESULTS OF THE USE, OF THE LICENSED
SOFTWARE OR

                                     PAGE 13

<PAGE>

DOCUMENTATION .

13.5 THE LICENSEE UNDERSTANDS THAT OSI IS NOT RESPONSIBLE FOR AND WILL HAVE NO
LIABILITY FOR AND DOES NOT WARRANT ANY HARDWARE, SOFTWARE PRODUCED BY OTHERS AND
LICENSED TO LICENSEE, WHETHER DIRECTLY FROM THE THIRD PARTY OR THROUGH OSI AS A
SUBLICENSOR, OR OTHER ITEMS OR ANY SERVICES PROVIDED BY ANY PERSONS OTHER THAN
OSI.

13.6 EXCEPT FOR OSI'S INDEMNITY OBLIGATIONS UNDER SECTION 3 (RELATING TO
INTELLECTUAL PROPERTY INFRINGEMENTS) OF THE END USER SOFTWARE LICENSE
(ATTACHMENT # 2), OR BREACH OF ITS CONFIDENTIALITY OBLIGATIONS, ANY LIABILITY
OSI MAY HAVE FOR PERSONAL INJURY OR DAMAGE OR DESTRUCTION OF REAL OR TANGIBLE
PERSONAL PROPERTY, OSI'S LIABILITY TO LICENSEE FOR ANY CAUSE WHATSOEVER AND
REGARDLESS OF THE FORM OF ACTION AND WHETHER IN CONTRACT OR TORT, OR AT LAW OR
EQUITY, SHALL NOT EXCEED THE AMOUNTS ACTUALLY PAID TO OSI BY LICENSEE AS LICENSE
FEES FOR THE LICENSED SOFTWARE GIVING RISE TO THE LIABILITY.

13.7 THE TERMS AND CONDITIONS OF THIS AGREEMENT CONSTITUTE A SERVICE CONTRACT
AND NOT A PRODUCT WARRANTY. THE LICENSED SOFTWARE AND ALL MATERIALS RELATED TO
THE LICENSED SOFTWARE ARE SUBJECT EXCLUSIVELY TO THE WARRANTIES SET FORTH IN
THIS AGREEMENT.

13.8 THE TERMS AND CONDITIONS OF THIS SECTION 13 SHALL SURVIVE TERMINATION OF
THIS AGREEMENT FOR ANY REASON.

14.   WARRANTIES, REPRESENTATIONS AND LIMITATIONS

OSI WARRANTS AND REPRESENTS THAT THE SOFTWARE WILL PERFORM SUBSTANTIALLY IN
ACCORDANCE WITH THE SPECIFICATIONS PERIODICALLY DELIVERED BY OSI TO LICENSEE.

OSI WARRANTS THAT IT WILL NOT WRONGFULLY DISABLE OR OTHERWISE RENDER INOPERABLE
THE SOFTWARE OR ANY OTHER HARDWARE OR SOFTWARE ON LICENSEE'S COMPUTER SYSTEM FOR
ANY REASON. ANY LIMITATION OF LIABILITIES SET OUT IN THIS SECTION AND WITH
RESPECT TO OSI WILL BE NULL AND VOID IF OSI BREACHES ITS AGREEMENT SET FORTH IN
THE IMMEDIATELY PRECEDING SENTENCE.

THIS AGREEMENT CONTAINS, AMONG OTHER THINGS, WARRANTY DISCLAIMERS, WARRANTY
LIMITATIONS, LIABILITY LIMITATIONS AND USE

                                     PAGE 14

<PAGE>

LIMITATIONS. EACH PARTY RECOGNIZES AND AGREES THAT THE WARRANTY DISCLAIMERS AND
LIABILITY AND REMEDY LIMITATIONS IN THIS AGREEMENT AND ITS ATTACHMENTS ARE A
MATERIAL BARGAINED FOR BASIS OF THIS AGREEMENT AND THAT THEY HAVE BEEN TAKEN
INTO ACCOUNT AND REFLECTED IN DETERMINING THE CONSIDERATION TO BE GIVEN AND
ACCEPTED BY EACH PARTY UNDER THIS AGREEMENT AND IN THE DECISION BY EACH PARTY TO
ENTER INTO THIS AGREEMENT.

OSI WARRANTS THAT THE LICENSED SOFTWARE IS AND WILL CONTINUE TO BE "YEAR 2000
READY". THE TERM "YEAR 2000 READY" REPRESENTS THAT WE HAVE TESTED THE LICENSED
SOFTWARE AND THAT IT ACCURATELY PROCESSES DATE AND/OR TIME DATA (INCLUDING, BUT
NOT LIMITED TO, CALCULATING, COMPARING AND SEQUENCING) FROM, INTO AND BETWEEN
THE 20TH AND 21ST CENTURIES, THE YEARS 1999 AND 2000, AND LEAP YEAR CALCULATIONS
(YEAR 2000 IS A LEAP YEAR). FURTHERMORE, THE LICENSED SOFTWARE, WHEN USED IN
COMBINATION WITH OTHER INFORMATION TECHNOLOGY, WILL ACCURATELY PROCESS DATE
AND/OR TIME DATA IF THE OTHER INFORMATION TECHNOLOGY PROPERLY EXCHANGES DATE
AND/OR TIME DATA WITH IT. THIS WARRANTY IS A YEAR 2000 READINESS DISCLOSURE
WITHIN THE MEANING OF THE FEDERAL YEAR 2000 INFORMATION AND READINESS DISCLOSURE
ACT.

OSI WARRANTS THAT ALL IMPLEMENTATION AND SUPPORT SERVICES WILL BE PERFORMED IN A
PROFESSIONAL AND WORKMANLIKE FASHION CONSISTENT WITH INDUSTRY STANDARDS.

15.   NOTIFICATION

Licensee shall notify OSI prior to changes to or installation of hardware or
equipment in addition to the Designated Computer Hardware. Upon a request for
information by OSI, Licensee also shall provide a written report to OSI on or
prior to each anniversary of an Effective Date of Licensee's Asset and Account
size. Provision of support and maintenance by OSI to Licensee under the Support
Services Terms and Conditions is conditioned upon Licensee promptly notifying
OSI of such changes to or installation of hardware or equipment in addition to
the Designated Computer Hardware.

16.   CONFIDENTIALITY

      16.1     Licensee acknowledges that, in the course of using the Licensed
               Software it may receive confidential information relating to the
               Licensed Software including, but not limited to, the Licensed
               Software's mode of operation, trade secrets, know-how, inventions
               (whether or not patentable), techniques, processes, programs,
               ideas, algorithms, schematics, testing procedures, software
               design and architecture, computer code and database model,
               internal documentation, design and function specifications,
               product requirements, problem reports, analysis and performance
               information, user

                                     PAGE 15

<PAGE>

               documentation and other technical information, plans and data,
               all of which is confidential and of value to OSI's business (the
               "Software Confidential Information"). Such Software Confidential
               Information shall belong solely to OSI and Licensee agrees that
               it will not use or disclose any Software Confidential Information
               without OSI's prior written consent, except as expressly allowed
               by this License Agreement.

      16.2     As part of the arrangements contemplated by this Agreement, each
               party acknowledges that it will receive valuable business,
               marketing, financial and other information, plans and data from
               the other party which is the confidential property of the
               disclosing party. All information and data which is marked
               "Confidential" or, in the case of orally conveyed information,
               which is confirmed in writing within thirty (30) days of
               conveyance to be confidential (the "General Confidential
               Information" of the disclosing party) shall be treated as
               confidential thereafter. The following types of information shall
               always be considered confidential information (whether or not
               marked as "Confidential"): financial information, marketing and
               business plans, software products and systems and customer lists
               or data. Each of the parties agrees that it shall not copy, use
               or disclose any General Confidential Information of the other
               party without its prior written consent, except as expressly
               allowed by this License Agreement.

      16.3     Each party agrees in respect of General Confidential Information
               which it receives from the other party, OSI agrees in respect of
               the Licensee Confidential Information and Licensee agrees in
               respect of the Software Confidential Information that it shall:

               a)   take all reasonable measures to maintain such information in
                    confidence,
               b)   disclose such information only to those of its employees,
                    agents and consultants who have a "need to know", and only
                    after such employees and consultants have agreed in writing
                    to be bound by all of the confidentiality provisions of this
                    License Agreement,
               c)   not use such information for any purpose other than the
                    purposes expressly provided herein, and
               d)   not copy such information except as expressly provided
                    herein.

               Except as provided herein, Licensee shall not, without the prior
               written consent of OSI, disclose or otherwise make available the
               Licensed Software or copies thereof to any third party. The
               foregoing provisions shall not preclude Licensee from operating
               the Licensed Software in the ordinary course of Licensee's
               business for its intended purpose and for the use licensed
               hereunder in the presence of third parties or from providing
               copies of the output and reports of the Licensed Software to such
               third parties.

     16.4      The confidentiality obligations set forth in this Agreement shall
               not apply with respect to information (except Licensee's
               Confidential Information) which

               a) is or has become readily publicly available without
               restriction through no fault of

                                     PAGE 16

<PAGE>

                    the receiving party or its employees or agents,
               b)   is received without restriction from a third party lawfully
                    in possession of such information and lawfully empowered to
                    disclose such information,

               c)   was rightfully in the possession of the receiving party
                    without restriction prior to its disclosure by the other
                    party, or

               d)   is independently developed by employees, consultants or
                    agents of the receiving party without access to the Software
                    Confidential Information or the disclosing party's General
                    Confidential Information.

     16.5      The parties recognize and agree that there is no adequate remedy
               at law for a breach of the provisions of this Section 16, that
               such a breach would irreparably harm the non-disclosing party and
               that the non-disclosing party is entitled to equitable relief
               (including, without limitation, injunctions) with respect to any
               such breach or potential breach in addition to any other remedies
               available to it at law or in equity.

     16.6      The provisions of this Section 16 shall survive termination or
               expiration of the License and this Agreement for any reason
               whatsoever.

17.  REMEDIES FOR BREACH

     17.1      Either party's remedy in the event of a breach by the other party
               shall include an action for damages and, in the event of a
               material breach of the provisions relating to restrictions on use
               of the Licensed Software or relating to confidentiality hereof,
               equitable relief to enjoin the activity of the party constituting
               the breach; provided, however, that as a condition to either such
               remedy, to the extent the terms of this Agreement requires
               written notice of such breach prior to commencement of a suit or
               legal action, the non-breaching party shall have first given the
               breaching party such notice of breach and the opportunity to cure
               within a thirty (30) day period.

     17.2      In addition to the other remedies, in law or equity, available to
               OSI hereunder, in the event of a breach by Licensee of the
               provisions of sub-subsection (a) of Subsection 1.1 of the End
               User Software License (Attachment #2) (relating to reverse
               engineering) or Section 16 (relating to confidentiality) which
               breach:

        a)     threatens to have a material adverse impact on the value of the
               Software Confidential Information (as hereinafter defined), and

        b)     can be corrected by reasonable corrective steps available to
               the Licensee, then OSI may terminate the License so long as
               it complies fully with the provisions of this Section 17.2,
               as follows:

               i)   OSI must notify Licensee in writing ("Notice of Breach")
                    specifying the actions constituting the alleged breach and
                    the reasonable steps which it believes can and must be taken
                    by Licensee to correct such breach.

               ii)  If Licensee, within thirty (30) days following the date of
                    such Notice of Breach,

                                     PAGE 17

<PAGE>

                    implements the steps specified by OSI for correcting the
                    breach, or proposes other similar reasonable steps
                    calculated to correct such breach and OSI agrees in writing
                    to the steps proposed by Licensee, then OSI may not
                    terminate the License until Licensee has in good faith taken
                    such steps and has been unsuccessful in remedying the
                    breach.

               iii) If Licensee fails or refuses, within thirty (30) days
                    following receipt of such Notice of Breach, to commence
                    taking the steps required by OSI, or proposed by Licensee
                    and approved in writing by OSI, to correct the breach and
                    OSI elects to terminate the License, OSI shall provide
                    further written notice (the "Notice of Termination") to
                    Licensee of its intention to terminate the License effective
                    no less than thirty (30) days after the date of the Notice
                    of Termination.

               iv)  Such termination shall only take effect if:

                    (a)  the thirty (30) day notice period expires without the
                         Licensee having undertaken reasonable corrective steps
                         which have either been concluded or are being
                         continuously being pursued with all reasonable
                         diligence, and

                    (b)  the tolling period in effect as provided in Section
                         17.3 below, if any, has expired.

     17.3 Any dispute which arises between the parties concerning the
          interpretation and application of Section 17.2 or the performance of
          the obligations thereof or any other matters relating to this
          Agreement, which dispute cannot be promptly resolved by the parties,
          may be submitted by either party to mediation in Atlanta, Georgia ,
          with the parties sharing equally the cost of mediation. The
          termination of the License provided for in Section 17.2 shall be
          tolled (suspended) pending the completion of and determination of the
          results of such mediation. . The parties agree that after having made
          a good faith but unsuccessful effort to resolve the matter through
          mediation, then the matter shall be submitted to binding arbitration
          in Atlanta, Georgia under the Commercial Rules of the American
          Arbitration Association. The arbitration shall be conducted before a
          single arbitrator having knowledge and experience with technology
          matters. The arbitration award shall be final and binding on the
          parties and judgment thereon may be entered by any court of competent
          jurisdiction.. Notwithstanding any of the foregoing to the contrary,
          in the event the dispute involves a question of irreparable injury,
          the aggrieved party shall have the right to immediately seek equitable
          relief in any state or federal court of competent jurisdiction
          situated in Atlanta, Georgia without first having to submit the matter
          to mediation or arbitration.

     17.4 Unless otherwise agreed to in writing by OSI, upon termination of the
          License Licensee shall immediately cease all use of the Licensed
          Software and all portions thereof (whether or not modified or
          incorporated with or into other software), return to OSI or destroy
          all copies of the Licensed Software and Documentation and all portions
          thereof, and have an executive officer of Licensee so certify in
          writing to OSI.

     17.5 Unless this Agreement has expired, except for the License and except
          as otherwise

                                     PAGE 18

<PAGE>

               expressly provided herein, the terms of this Agreement shall
               survive termination of the License.

18. MISCELLANEOUS

     18.1 NOTICE OF DEFAULT. Except as to a breach of the obligations relating
          to confidentiality for which no notice is required prior to
          commencement of a suit or other legal action, neither party may
          commence a suit or legal action on account of a default by the other
          party in the performance of any of its obligations under this
          Agreement, unless the party seeking to bring such suit or action shall
          first give the defaulting party written notice of the default and
          opportunity to cure within the notice period required by this
          Agreement, specifying the nature and circumstances thereof.

          Such notice shall be given at least thirty (30) days prior to the
          commencement of the suit or legal action, except for non-payment which
          shall only require a ten (10) days notice.

          Except as noted and upon appropriate notice, the parties shall follow
          the process relating to dispute resolution as described in Section
          17.3 above as amended prior to instituting legal action.

     18.2 FORCE MAJEURE. Neither party shall be deemed to have breached this
          Agreement or this License Agreement by reason of any delay or failure
          in its performance arising from events beyond its reasonable control,
          including, but not limited to, acts of God, acts of war, riot,
          epidemic, fire, flood or other disasters.

     18.3 NOTICES. Any notice, report, approval or consent required or permitted
          hereunder shall be delivered in writing, or mailed by registered or
          certified US mail, postage prepaid or reputable overnight carrier
          (e.g. Federal Express) to the address set forth in the Initial Product
          Order for notices (or such other address as a party may designate by
          ten (10) days written notice delivered in accordance with this Section
          18.4) and shall be deemed given upon receipt.

     18.4 NON-WAIVER. No failure to exercise, and no delay in exercising, on the
          part of either party, any privilege, any power or any rights hereunder
          will operate as a waiver thereof, nor will any single or partial
          exercise of any right or power hereunder preclude future exercise of
          any other right or power hereunder. If any provision of this License
          Agreement or this Agreement shall be adjudged by any court of
          competent jurisdiction to be unenforceable or invalid, that provision
          shall be limited or eliminated to the minimum extent necessary so that
          this License Agreement and this Agreement shall otherwise remain in
          full force and effect and enforceable.

     18.5 ATTORNEY'S FEES. The prevailing party in any action to enforce this
          License Agreement

                                     PAGE 19

<PAGE>

          or this Agreement shall be entitled to recover costs and expenses
          including, without limitation, reasonable attorneys' fees.

     18.6 CONFIDENTIALITY OF TERMS OF AGREEMENT. The price and terms of this
          Agreement are confidential and no press release or other written or
          oral disclosure of any nature regarding the price terms of this
          Agreement shall be made by either party without the other party's
          prior written approval; however, approval for such disclosure shall be
          deemed given to the extent such disclosure is required to comply with
          governmental laws, orders, rules or regulations.

     18.7 PRIORITY OF DOCUMENTS. In the event of a conflict or ambiguity among
          any of the documents constituting the Specifications, such conflict
          shall be resolved first in favor of this Agreement, secondly in favor
          of the Report, thirdly in favor of the Documentation and lastly in
          favor of the other functional, technical and design specifications,
          which have been provided to Licensee by OSI, and are applicable to the
          Licensed Software.

     18.8 NON-ASSIGNMENT. Licensee may not assign this Agreement, nor any right
          it has under this Agreement, including the License granted in this
          Agreement to any other person or entity without the prior written
          consent of OSI except in the event of a voluntary or involuntary sale,
          assignment or other transfer of an interest in Licensee with an
          accompanying transfer of all or substantially all of the business
          operations of Licensee. Any voluntary or involuntary sale, assignment
          or other transfer of an interest in the Licensee, or any other entity
          to whom this License has been transferred or assigned with OSI's
          consent, which has the effect of transferring an interest in this
          Agreement or the License without an accompanying transfer of all or
          substantially all of the business operations of Licensee, is an
          assignment which will require OSI's prior written consent and OSI
          reserves the right to withhold that consent for any reason whatsoever.
          If Licensee is involuntarily acquired by operation of law by another
          entity or person, the License will terminate and cease to be of any
          force and effect immediately prior to that acquisition unless the
          acquiring entity or person agrees in writing to undertake all of the
          Licensee's obligations under this Agreement and the License. If the
          acquiring person or entity does agree in writing to undertake those
          obligations, then OSI's consent will be deemed to have been given and
          OSI will not charge a license fee to the acquiring entity or person.
          OSI shall not assign any of its material obligations under the Support
          Services Terms and Conditions (Attachment #3) and the Implementation
          Terms and Conditions (Attachment #5) of this Agreement without the
          prior written consent of Licensee which consent shall not be
          unreasonably withheld. Any voluntary or involuntary sale, assignment
          or other transfer of an interest in OSI with an accompanying transfer
          of all or substantially all of the business operations of OSI, is an
          assignment which does not require Licensee's prior consent.

LICENSEE: PINNACLE FINANCIAL PARTNERS INC.

                                     PAGE 20

<PAGE>

Signature: /s/ Hugh M. Queener              Date: June 27, 2000
           ------------------------------        -----------------

Name: Hugh M. Queener                       Title: Chief Administrative Officer
      -----------------------------------          ----------------------------

Address: 3401 WEST END AVENUE, SUITE 306
------------------------------------------------------------------------------

City:    NASHVILLE                State     TN                     Zip: 37203
------------------------------------------------------------------------------

OPEN SOLUTIONS INC.

Signature: /s/ John L. Person                              Date: July 12, 2000
          ------------------------------------------------      --------------

Name:  JOHN L. PERSON                              Title:  PRESIDENT
     ---------------------------------------------       ---------------------

Address:  300 WINDING BROOK DRIVE
        ----------------------------------------------------------------------

City:  GLASTONBURY                   State:  CT               Zip:  06033
     --------------------------------      ------------------     ------------

                                     PAGE 21

<PAGE>

                              INITIAL PRODUCT ORDER

                                     PAGE 22
                     INITIAL PRODUCT ORDER (ATTACHMENT #1)

<PAGE>

                                     PAGE 23
                     INITIAL PRODUCT ORDER (ATTACHMENT #1)

<PAGE>

                                     PAGE 24
                     INITIAL PRODUCT ORDER (ATTACHMENT #1)

<PAGE>

                                     PAGE 25
                      INITIAL PRODUCT ORDER (ATTACHMENT #1)

<PAGE>

                      THIS PAGE IS INTENTIONALLY LEFT BLANK.

                                     PAGE 26
                      INITIAL PRODUCT ORDER (ATTACHMENT #1)

<PAGE>

                      THIS PAGE IS INTENTIONALLY LEFT BLANK.

                                     PAGE 27
                      INITIAL PRODUCT ORDER (ATTACHMENT #1)

<PAGE>

                           IMPLEMENTATION FEE SCHEDULE

                                                                         FEES

       CONVERSION  SUPPORT  SERVICES                                     20,000
       FEE:
       - PROJECT MANAGEMENT
       - PROJECT PLAN DEVELOPMENT AND REVIEW
       - STATUS REPORTING
       - KICKOFF MEETING

       DATA  CONVERSION  SERVICES  FEE                                    8,500
       - PRODUCT MAPPING
       - INVENTORY PRODUCTS
       - CONVERSION PROGRAMMING
       - TESTING AND ERROR RESOLUTION

       CLIENT SERVER IMPLEMENTATION                                      14,000
       FEE:
       - VERIFICATION  OF THE  OPERABILITY  OF  THE  CLIENT
         SERVER ENVIRONMENT
       - INSTALLATION   OF  ORACLE,   DATA   REPLICATION
         & FINANCIAL PRINTING SOFTWARE, ETC.
       - CERTIFICATION OF OSI TCBS

       TRAINING  FEE:                                                     7,600
       - ALLOWANCE 30 STUDENT DAYS
         CURRICULUM
       - ERA TRAINING
         PRODUCT MANAGER/PRODUCT SETUP WORKSHOP
       - DEPOSIT TRAINING
       - LOAN TRAINING
       - OPERATIONS TRAINING

                                     PAGE 28
                      INITIAL PRODUCT ORDER (ATTACHMENT #1)

<PAGE>

       - IRS REPORTING

        OPTIONAL OSI MODULES IMPLEMENTATION
       - SECONDARY MARKET MANAGEMENT
       - OSI ACH ORIGINATION

        TOTAL IMPLEMENTATION FEE (EXCLUDING INCURRED EXPENSES) $50,150

        ADDITIONAL SERVICES PER DIEM:                             $1,250-2,000

        NOTE: TRAINING CONDUCTED AT OSI (CO-MINGLED WITH OTHER CLIENTS)
        ADDITIONAL STUDENT DAYS AVAILABLE AT $300/DAY DURING PRE-INSTALLATION
        PERIOD FOR TRAINING AT OSI, RATES DO NOT INCLUDE LODGING, MEALS AND
        TRANSPORTATION FOR CLIENT PERSONNEL

                                     PAGE 29
                      INITIAL PRODUCT ORDER (ATTACHMENT #1)

<PAGE>

<TABLE>
<CAPTION>

                                                           LICENSE FEE SCHEDULE

                                                       (EFFECTIVE JANUARY 1, 2000)

              (License Fees are based on the number of actual Accounts)

         NUMBER OF ACCOUNTS                                                          LICENSE FEE FOR  OSI BASE SYSTEM
         ------------------                                                          --------------------------------
         <S>                                                                                               <C>
         < 7,200 Accounts                                                                                    $140,000
         < 15,000 Accounts                                                                                   $175,000
         < 25,000 Accounts                                                                                   $225,000
         < 40,000 Accounts                                                                                   $250,000
         < 60,000 Accounts                                                                                   $300,000
         < 75,000 Accounts                                                                                   $375,000
         < 85,000 Accounts                                                                                   $450,000
         < 100,000 Accounts                                                                                  $550,000
         < 120,000 Accounts                                                                                  $650,000
         < 140,000 Accounts                                                                                  $750,000
         < 160,000 Accounts                                                                                  $825,000
         < 180,000 Accounts                                                                                  $875,000
         < 200,000 Accounts                                                                                  $925,000
         < 220,000 Accounts                                                                                  $975,000
         < 240,000 Accounts                                                                                $1,025,000
         < 260,000 Accounts                                                                                $1,075,000
         < 280,000 Accounts                                                                                $1,125,000
         < 320,000 Accounts                                                                                $1,275,000
         < 360,000 Accounts                                                                                $1,425,000
         < 400,000 Accounts                                                                                $1,500,000
</TABLE>

The License Fee Schedule, and the Annual Support Fee Rate are subject to change.
License fees based upon the number of accounts shall be adjusted after
conversion when the actual number of converted accounts has been determined, and
shall include both active and inactive accounts which are converted by OSI.

Additions to or changes in the Licensee's Designated Computer Hardware
subsequent to Conversion and Installation will result in additional Initial
License Fees.

                                     PAGE 30
                      INITIAL PRODUCT ORDER(ATTACHMENT #1)

<PAGE>

The Higher Level License Fee shall be equal to the difference between the sum of
the initial License Fee plus any subsequent Higher Level License Fees already
paid by Licensee under this Agreement and the then current License Fee for the
number of accounts according to OSI's then current License Fee Schedule.

Increases in Licensee's Account size may result in increases in Annual Support
Fees for OSI Proprietary Software, OSI Optional Modules and Third Party
Interfaces. Additions to or changes in the Licensee's Designated Computer
Hardware subsequent to Conversion and Installation may result in additional
Annual Support Fees for Third Party Software Licensed from OSI.

If the Licensee has grown to the next level or beyond then Licensee shall pay to
OSI the differential between the original license fee paid by Licensee and the
next level or levels of the then current License Fee Schedule except as amended
in section 7.3.

                          ADDITIONAL ATTACHMENTS FOLLOW

                                     PAGE 31
                      INITIAL PRODUCT ORDER(ATTACHMENT #1)

<PAGE>

                            END USER SOFTWARE LICENSE

This End User Software License (the "License Agreement") (Attachment #2) to this
Agreement relates to and is hereby incorporated into the Information System
Processing Agreement bearing the number set out in the heading to this page.
Capitalized terms not defined in this License Agreement have the same meaning as
defined elsewhere in this Agreement.

1.    GRANT OF LICENSE

Subject to the terms and conditions set forth in this Agreement, OSI grants
Licensee and only Licensee, a License to use the Licensed Software during the
initial and any subsequent Term of this Agreement. This right does not apply to
acquired institutions or other entities in the Licensee Group without payment of
incremental License Fees calculated per the then current "License Fee Schedule"
which forms a part of the Initial Product Order (Attachment # 1).

    1.1    RESTRICTIONS ON LICENSE

    The License grants the right to use OSI's Proprietary Software and Third
    Party Software licensed from OSI under this Agreement to process Licensee's
    own data, and the data of entities in the Licensee Group. Provided, however,
    Licensee may process the data only of such entity in the Licensee Group for
    which Licensee paid or pays, prior to commencement of processing for such
    entity in the Licensee Group, License Fees at all times sufficient for the
    aggregate number of accounts calculated in combination with the number of
    accounts of Licensee.

    The License to use the Third Party Software is subject to the further
    restrictions and limitations provided in OSI's master licensing agreements
    with the third parties to whom the Third Party Software belongs.

    Except as otherwise provided in the Escrow Terms and Conditions, Licensee
    has no right to receive, use or examine any Source Code (as defined in the
    Escrow Terms and Conditions) or design specifications relating to the
    Licensed Software and the License grants no such right.

    The License gives Licensee the right to make such copies of the Licensed
    Software and Documentation as are reasonably necessary for Licensee's
    internal use of the Licensed Software and Documentation as contemplated
    hereunder and for back up and archival purposes. In exercising this right,
    Licensee shall not remove any copyright notice or other proprietary right
    notices and restrictions on use that appear in or on the original Licensed
    Software and Documentation or on any copies and any media therefor.

    Licensee shall not, and shall not allow any third party to, without OSI's
    prior written consent:

     a)   translate, interpret, decompile, disassemble, or otherwise reverse
          engineer or attempt to reconstruct or discover any source code,
          algorithms or underlying ideas incorporated in the Licensed Software,

     b)   remove any product identification, copyright or other notices from the
          Licensed Software,

     c)   provide, lease, lend, use for timesharing or service bureau purposes
          or allow others to use

                                     PAGE 32
                   END USER SOFTWARE LICENSE (ATTACHMENT #2)

<PAGE>

          the Licensed Software to or for the benefit of third parties,
     d)   except as specified in the Specifications or Documentation provided by
          OSI, modify, incorporate into other software or create a derivative
          work of any part of the Licensed Software,
     e)   load or use any portion of the Licensed Software (whether or not
          modified or incorporated into or with other software) on or with any
          machine or system other than Licensee's Designated Computer Hardware,
     f)   except if, as and to the extent expressly authorized in the applicable
          user Documentation provided by OSI, transmit or use the Software over
          a network. This restriction does not prohibit interfacing to external
          systems or networks used by Licensee for its ordinary and necessary
          business operations.
     g)   disseminate performance information or analysis (including, without
          limitation, benchmarks) to any other party relating to the Licensed
          Software,
     h)   sell applications developed by Licensee which incorporate access to,
          or work against OSI's Database Model.
     i)   make any modifications or additions to the Licensed Software or
          Documentation without the prior written consent of OSI except as
          permitted by law.

2.    OWNERSHIP OF SOFTWARE

As between the parties, OSI retains title to and ownership of and all
proprietary rights with respect to the Licensed Software and OSI's Database
Model and all copies and portions thereof, whether or not incorporated into or
with other software. The License does not constitute a sale of the Licensed
Software or any portion or any copy or reproduction of it. The License does not
constitute a sale or transfer of any ownership interest in the Licensed
Software, but merely constitutes a limited right to use the Licensed Software as
set out herein.

3.    INFRINGEMENT

      3.1      OSI represents and warrants that it has the sole ownership of
               and/or the right to license and sub-license the Licensed Software
               as contemplated by this Agreement and this License Agreement and
               has the full power to grant the rights granted herein without the
               consent of any other person or entity.

      3.2      OSI shall defend, indemnify and hold Licensee and its officers,
               directors, agents and employees harmless from and against any and
               all claims, suits, damages, liabilities, costs and expenses
               (including reasonable attorneys' fees) arising out of or
               resulting from any claim that Licensee's use of the OSI
               Proprietary Software infringes a United States patent or
               copyright, or trademark or misappropriates a trade secret or
               proprietary right of any third party, provided OSI is:

               a)   promptly notified of any and all threats, claims and
                    proceedings related thereto,
               b)   given reasonable assistance (at OSI's sole cost and
                    expense), and
               c)   given the opportunity to choose counsel, assume sole control
                    over the defense and all negotiations for a settlement or
                    compromise.

                                     PAGE 33
                   END USER SOFTWARE LICENSE (ATTACHMENT #2)

<PAGE>

          The provisions of this Section 3.2 do not apply to any Third Party
          Software.

     3.3  In the event that the Licensed Software, or any portion thereof,
          becomes the subject of a claim of infringement or misappropriation,
          OSI may, at its expense, take any of the following steps so that
          Licensee's use is not subject to any claim of infringement or
          misappropriation and Licensee is provided with functionally equivalent
          software, provided that Licensee's use of the Licensed Software
          conforms with the provisions of this Agreement:

          a)   procure for Licensee the right to continue using the Licensed
               Software or

          b)   replace or modify the infringing portion of the Licensed Software
               with functionally equivalent software .

     3.4  The foregoing obligations of OSI do not apply with respect to software
          and any other products or portions or components thereof:

          a)   which are not the latest available release, and release
               immediately prior to the latest available release, supplied by
               OSI to Licensee,
          b)   which are modified by Licensee after shipment by OSI, if the
               alleged infringement relates to such modification, unless OSI has
               consented to the modification in writing, or such modifications
               is otherwise authorized, permitted or provided for under the
               Specifications, Documentation or this License Agreement, or
          c)   which are combined with other products, processes or materials
               where the alleged infringement relates to such combination,
               unless OSI has consented in writing to such combination or such
               combination is otherwise authorized, permitted or provided for
               under the Specifications, Documentation or this License
               Agreement.

     3.5  THE FOREGOING STATES THE ENTIRE LIABILITY OF OSI WITH RESPECT TO
          INFRINGEMENT OF ANY PATENTS, COPYRIGHTS, TRADEMARKS OR
          MISAPPROPRIATION OF TRADE SECRETS BY THE OSI PROPRIETARY SOFTWARE OR
          ANY PARTS THEREOF. NO COSTS OR EXPENSES SHALL BE INCURRED FOR THE
          ACCOUNT OF OSI BY LICENSEE OR ITS AGENTS WITHOUT THE PRIOR WRITTEN
          CONSENT OF OSI.

                          ADDITIONAL ATTACHMENTS FOLLOW

                                     PAGE 34
                   END USER SOFTWARE LICENSE (ATTACHMENT #2)

<PAGE>

                      SUPPORT SERVICES TERMS AND CONDITIONS

This Support Services Terms and Conditions (Attachment #3) to this Agreement
relates to and is hereby incorporated into the Information System Processing
Agreement bearing the number set out in the heading to this page. Capitalized
terms not defined in Section 1 below have the same meaning as defined elsewhere
in this Agreement.

1.    SUPPORT COVERAGE

Subject to the terms hereof, OSI shall provide Support Services to Licensee for
the Licensed Software indicated on the Initial Product Order and Subsequent
Product Orders. OSI shall also provide Support Services hereunder for each
additional Installation of Licensed Software, provided Licensee pays to OSI
Initial License Fees and Annual Support Fees for such additional Installations
as specified in subsequent Product Orders. Support Services must be obtained
separately for each Installation of Licensed Software.

2.    SUPPORT SERVICES

Support Services consist of:

      a)   Telephone Support provided to the Licensee's Technical Support
           Contact concerning the Installation and use of the then current
           release of the Licensed Software and Previous Sequential Release,

      b)   Product Updates of the Licensed Software that OSI in its discretion
           makes generally available to its customer base. Support Services do
           not include the physical installation of Product Updates. Product
           Updates installation may be performed by OSI upon Licensee's written
           request and shall be billable to Licensee at OSI's then current
           applicable rate.

      c)   As part of the Support Services provided hereunder, OSI agrees to
           provide Product Updates on a timely basis in order to enable Licensee
           to comply with federal banking laws and regulations pertaining to the
           subject matter of the Licensed Software. OSI represents and warrants
           that the Licensed Software currently enables the Licensee to comply
           and will enable the Licensee to comply with Federal laws.

      d)   As provided in the Exclusions section of these Support Terms and
           Conditions, as a condition precedent to continued Support Services
           and Product Updates, and as a condition precedent to any warranty of
           the Licensed Software specifically stated in this Agreement, Licensee
           agrees to promptly implement such modifications, updates and
           enhancements to the Licensed Software (in the form of Product
           Updates) and to Third Party Software Licensed From Third Party as OSI
           shall require from time to time in its sole discretion.

3.    TERM OF SUPPORT SERVICES

      3.1  Support Services shall be provided for the duration of the End-User
           Software License, unless terminated by either party as provided in
           this Agreement.

                                    PAGE 35
              SUPPORT SERVICES TERMS AND CONDITIONS (ATTACHMENT #3)

<PAGE>

      3.2  OSI may suspend or cancel Support Services if Licensee fails to make
           payments of Annual Support Fees in accordance with Section 7.4 of the
           Information Processing System Agreement entitled "Annual Support
           Fees" other than payments being disputed in good faith, within ten
           (10) days after Licensee receives notice on non-payment.

      3.3  OSI may suspend or cancel Support Services if Licensee fails in a
           reasonably prompt manner to implement such modifications, updates and
           enhancements to the Licensed Software (in the form of Product
           Updates) and to Third Party Software Licensed From Third Party as OSI
           shall require from time to time in its sole discretion.

4.    REMOTE SUPPORT SERVICE.

      4.1  OSI intends to provide certain Support Services via a remote on-line
           connection to Licensee's Designated Computer Hardware. Licensee
           hereby agrees to assist OSI in the creation of such a remote on-line
           connection as part of the Implementation of the Software and agrees
           to maintain and allow OSI access to its Designated Computer Hardware
           and the Software through such remote on-line connection.

5.    RESPONSE, PROBLEM RESOLUTION STANDARDS AND ERROR CORRECTION

      5.1  All reasonable efforts shall be made to resolve problems promptly.
           Upon Licensee's notification to OSI of a problem, OSI will
           investigate such problem promptly to determine the nature and origin
           of such problem and upon completion of such investigation outline to
           Licensee in a telephonic communication the procedures to be followed
           in reaching resolution to such problem. OSI shall exercise
           commercially reasonable efforts to correct promptly any Error or
           non-conformance reported by Licensee in the OSI Proprietary Software.
           OSI will provide support in accordance with the guidelines contained
           in the OSI's Customer Support Procedures as modified and amended from
           time to time, a copy of which has been provided to Licensee. OSI
           represents and warrants that all Support services will be performed
           by duly qualified personnel in a professional workmanlike manner and
           to standards generally accepted in the industry.

6.    EXCLUSIONS

      6.1  A condition precedent to OSI's obligation to perform Support Services
           shall be that the Software problems shall not be solely the result
           of:

           a) Licensee's willful abuse or willful misapplication of the
           Software,

           b) Use of the Software other than as specified in the Documentation,

           c) Use of the Software in conjunction with hardware identified by OSI
           as incompatible with the Software,

           d) Licensee's failure to promptly implement such modifications,
           updates and enhancements to the Licensed Software (in the form of
           Product Updates) and to Third Party Software Licensed From Third
           Party as OSI shall require from time to

                                      PAGE 36
              SUPPORT SERVICES TERMS AND CONDITIONS (ATTACHMENT #4)

<PAGE>

               time in its sole discretion, or

           e) Other causes beyond the reasonable control of OSI.

      6.2  OSI shall have no obligation to:

           a) Support altered, damaged or modified Licensed Software (unless
           such modifications are consented to in writing by OSI or otherwise
           authorized, permitted or provided for under the Documentation,
           Specifications or this Agreement) or any portion of the Licensed
           Software incorporated with or into other software;

           b) Support Licensed Software that is not the then current release or
           immediately Previous Sequential Release.

      6.3  Upon Licensee's request, OSI shall provide Support Services for the
           Licensed Software which has malfunctioned as a result of any of the
           causes described in this Section 6 at its then current and standard
           rates for material and labor.

      6.4  Support Services do not include physical installation of Product
           Updates.

      6.5  OSI shall have no obligation to provide support after termination of
           the License granted hereunder, for any reason.

      6.6  For Third Party Software that is not directly supported by OSI, it is
           the responsibility of Licensee to register this software with the
           manufacturer and to acquire support and future releases and upgrades
           of these products as may be required to be used in conjunction with
           the Licensed Software.

                          ADDITIONAL ATTACHMENTS FOLLOW

                                      PAGE 37
              SUPPORT SERVICES TERMS AND CONDITIONS (ATTACHMENT #4)

<PAGE>

                           ANNUAL SUPPORT FEE SCHEDULE
                           (EFFECTIVE JANUARY 1, 2000)

Support Services for the Licensed Software shall be provided as specified in the
Support Services Terms and Conditions Attachment for the annual support services
fees (the "Annual Support Fee") for such services, to be calculated on the basis
of the Licensee's then current asset and actual account size, the then current
License Fee Schedule for the Licensed Software and the then current Annual
Support Fee Rate.

                          2000 ANNUAL SUPPORT FEE RATES

                                LICENSED SOFTWARE

           Twenty Percent (20%) of applicable License Fee as determined above
           except that for a period beginning on the date of Delivery of the
           Licensed Software and continuing until the second anniversary of the
           Live Production Date, the annual support fee rate shall be eighteen
           percent (18%) of the OSI Proprietary Base System as shown on the
           Initial Product Order

                                      PAGE 38
              SUPPORT SERVICES TERMS AND CONDITIONS (ATTACHMENT #4)

<PAGE>

                       IMPLEMENTATION TERMS AND CONDITIONS

This Implementation Terms and Conditions (Attachment #5 to this Agreement)
relates to and is incorporated into the Information System Processing Agreement
bearing the number set out in the heading to this page. Capitalized terms not
defined herein have the same meaning as defined elsewhere in this Agreement.

1.    IMPLEMENTATION

Licensee has requested that OSI provide certain implementation services and
processes (collectively "Implementation"). These services and processes need to
occur in order for the Licensed Software which the Licensee has ordered (as
indicated on the Initial Product Order) to be properly installed and operated.

      a)   OSI and Licensee shall each make qualified representatives available
           to meet and to review required Implementation tasks, set dates for
           such tasks, and establish a project plan (the "Installation Project
           Plan") mutually agreeable to both parties in accordance with OSI's
           then current guidelines for installation and implementation of the
           Licensed Software (the "Initial Review");

      b)   OSI shall, based upon information provided by Licensee to OSI,
           provide to Licensee an initial equipment requirements specification
           applicable to Licensee's information processing system requirements
           as have been identified by Licensee to OSI, and Licensee shall select
           hardware and network installation providers ("Licensee's
           Consultants") who are qualified to design and install the requisite
           equipment and network meeting the equipment requirements
           specification. Licensee shall submit the qualifications statements
           and resumes of Licensee's Consultants to OSI for its review and
           approval. OSI's review and approval of the qualification statements
           and resumes shall not constitute an endorsement by OSI of Licensee's
           Consultants, nor shall such review and approval make OSI responsible
           in any manner for the performance of Licensee's Consultants, but is
           merely intended to allow OSI to give Licensee the benefit of OSI's
           experience in reviewing the qualifications of consultants in the
           hardware and network business. After selection of License's
           Consultants by Licensee, and their review and approval by OSI, OSI
           shall review with Licensee and Licensee's Consultants the necessary
           preparations for the Licensee's business, technical, security and
           equipment requirements for its information processing system;

      c)   Licensee's Consultants shall perform a survey of Licensee's business,
           technical, security and equipment requirements for its information
           processing system, per OSI's recommended equipment configuration,
           (the "On-Site Survey"), and shall prepare a report to Licensee as to
           the actions which Licensee must take to make the necessary
           preparations for its bank information processing system, including
           but not limited to, reporting as to the specifications for the
           hardware, network and software required by Licensee (the "Report");

      d)   Licensee shall submit the Report to OSI for its review and approval.
           Licensee agrees and

                                    PAGE 39
              IMPLEMENTATION TERMS AND CONDITIONS (ATTACHMENT #5)

<PAGE>

           acknowledges that OSI's review and approval of the Report is a
           necessary and indispensable part of the Implementation process. OSI's
           review and approval of the Report shall not constitute a warranty or
           guarantee by OSI that if Licensee's Consultants, perform in
           accordance with the Report that additional work or expense will not
           be required, nor shall such review and approval make OSI responsible
           in any manner for results of the performance of the work specified in
           the Report, but is merely intended to allow OSI to give Licensee the
           benefit of OSI's experience in the Implementation process.

      e)   If applicable, Licensee shall obtain from its current data processing
           provider the necessary information in such media and at such time as
           OSI requests.

      f)   OSI shall provide Licensee with the "Installation Project Plan"
           within thirty (30) days after the Effective Date of this Agreement to
           Licensee for its review and approval. Licensee agrees that it shall
           assign the requisite personnel resources to the task identified in
           the Installation Project Plan as assigned to Licensee to ensure that
           the Live Production Date can be met.

      g)   Licensee shall cause Licensee's Consultants to duly install and
           configure and make fully operational the Designated Computer Hardware
           and applicable Third Party Software Licensed From Third Party
           Software Vendors and Third Party Software Licensed From OSI in
           accordance with the requirements of the Report no later than the
           Scheduled Equipment Date specified in the Installation Project Plan
           (the "Hardware Installation"). The OSI prescribed software version
           number and/or release date of each product is the only release to be
           used with the Licensed Software.

      h)   Licensee shall cause Licensee's Consultants to duly install all
           required network components of the Designated Computer Hardware and
           applicable Third Party Software Licensed From Third Party Vendors and
           applicable Third Party Software Licensed From OSI including printer
           drivers for each validly licensed workstation in accordance with the
           requirements of the Report no later than the Scheduled Equipment Date
           specified in the Installation Project Plan (the "Network
           Installation");

      i)   If applicable, Licensee shall obtain from its current data processing
           provider the necessary information including accurate documentation
           in such media as OSI requests to permit OSI to perform the
           Conversion.

      j)   If applicable, OSI shall perform the conversion programming services
           required to convert Licensee's existing core data to support the
           information processing requirements of the Licensed Software
           ("Conversion") per the scheduled conversion dates specified in the
           Installation Project Plan. EXCEPT FOR THE HISTORY THAT IS CONVERTED
           AS A NORMAL PART OF THE CONVERSION PROCESS, IN NO EVENT SHALL OSI
           CONVERT ACCOUNT OR TRANSACTION HISTORY, OR PERFORM CIF SCRUBBING
           ACTIVITIES.

      k)   OSI shall provide personnel to train Licensee's designated personnel
           in the use of the Licensed Software, as specified in and subject to
           the terms and conditions of the Training Schedule.

                                    PAGE 40
              IMPLEMENTATION TERMS AND CONDITIONS (ATTACHMENT #5)

<PAGE>

2.    IMPLEMENTATION SERVICES

      2.1  Licensee shall be solely responsible for Equipment, Network and Third
           Party Software Licensed From Third Party Providers. As part of the
           Installation, Licensee shall acquire such additional hardware,
           network components and systems software as mutually agreed to and as
           indicated in a revised Initial Product Order, if any, following the
           On-Site Survey. Licensee shall exercise commercially reasonable
           efforts to timely complete said Installations on or before the
           respective scheduled date specified on the Initial Product Order.

      2.2  OSI shall exercise commercially reasonable efforts to complete the
           Licensed Software Installation on or before the Scheduled Live
           Production Date specified in the Initial Product Order. OSI's
           completion of the Licensed Software Installation by the Scheduled
           Live Production Date, is conditioned upon the Licensee completing
           those Implementation tasks not identified as OSI's Implementation
           Services and, therefore, identified as responsibilities of the
           Licensee, including without limitation, Equipment Installation and
           Network Installation. All Licensee and OSI tasks will be per the
           Installation Project Plan, which OSI will prepare, and upon which
           Licensee and OSI will mutually agree, and upon Licensee's acceptance
           will be the schedule of tasks and responsibilities necessary to
           achieve live production by the Scheduled Live Production Date.

3.    FEES AND PAYMENT

      3.1  Licensee shall pay OSI the Implementation Service Fee specified in
           the Initial Product Order in accordance with paragraph 7.5
           Implementation Fees Information Processing System Agreement..

      3.2  If, as a result of the On-Site Survey and the Report, Licensee
           determines that it desires OSI to perform additional services not
           included in the Installation Project Plan, such additional services
           shall be documented in an amended Installation Project Plan. In the
           event that it is necessary for OSI to perform additional services
           pursuant to an amended Installation Project Plan, or additionally as
           a result of Licensee or Licensee's Consultant failing to timely
           perform Licensee identified tasks in the Installation Project Plan
           with the result that OSI is required to perform additional services
           beyond those which OSI customarily and ordinarily performs in the
           Implementation process for clients similarly situated as Licensee,
           OSI and Licensee shall enter into good faith negotiations in order to
           determine the amount of additional days of Implementation Services
           that will be required to complete Implementation (the "Additional
           Implementation Service Days") and the rate for such days. The
           Additional Implementation Service Days and applicable rates agreed
           upon shall be documented by execution of an OSI Subsequent
           Product/Service Order Form. Licensee shall pay for such Additional
           Implementation Service Days at such rates as are evidenced in the OSI
           Subsequent Product/Service Order Form.

                                    PAGE 41
              IMPLEMENTATION TERMS AND CONDITIONS (ATTACHMENT #5)

<PAGE>

4.    TERM AND TERMINATION

      4.1  Implementation Services shall be provided until completion of
           Implementation as contemplated hereunder.

      4.2  Licensee may terminate the Implementation Services at any time for
           any reason.

           In the event of termination of the License by Licensee for any reason
           other than a material breach of the Agreement by OSI with the
           opportunity to cure within the notice period required by this
           Agreement, Licensee shall pay to OSI the full Implementation Fee, the
           full Initial License Fee, the full Training Fee, and any other
           undisputed amounts, or disputed amounts that have been resolved in
           OSI's favor through the dispute resolution process provided for in
           Section 6 of the Information Processing System Agreement, that have
           accrued and are payable by Licensee pursuant to the terms of this
           Agreement.

5.    EXCLUSIONS

OSI shall have no obligation to conduct Implementation Services in relation to
any software other than that specified in a Product Order and shall only be
obligated to conduct Licensed Software Installation, Pre-Conversion, if
applicable, Conversion, if applicable, and Training Services once Licensee has
completed Equipment and Network Installations in accordance with the terms and
conditions of this Agreement.

6.    LIMITATION OF LIABILITY

      6.1  OSI REPRESENTS AND WARRANTS THAT ALL IMPLEMENTATION SERVICES WILL BE
           PERFORMED BY DULY QUALIFIED PERSONNEL IN A PROFESSIONAL WORKMAN-LIKE
           MANNER AND TO STANDARDS GENERALLY ACCEPTED IN THE INDUSTRY.

      6.2  THESE TERMS AND CONDITIONS CONSTITUTE A SERVICE CONTRACT AND NOT A
           PRODUCT WARRANTY. THE SOFTWARE AND ALL MATERIALS RELATED TO THE
           LICENSED SOFTWARE ARE SUBJECT EXCLUSIVELY TO THE WARRANTIES SET FORTH
           IN THE INFORMATION PROCESSING SYSTEM AGREEMENT.

      6.3  THE PROVISIONS OF THIS SECTION 6 SHALL SURVIVE TERMINATION OR
           EXPIRATION OF IMPLEMENTATION SERVICES AND/OR THIS AGREEMENT FOR ANY
           REASON WHATSOEVER.

                          ADDITIONAL ATTACHMENTS FOLLOW

                                    PAGE 42
              IMPLEMENTATION TERMS AND CONDITIONS (ATTACHMENT #5)

<PAGE>

                                TRAINING SCHEDULE

This Training Schedule (Attachment #6 to this Agreement) relates to and is
incorporated into the Information System Processing Agreement bearing the number
set out in the heading to this page. Capitalized terms not defined herein have
the same meaning as defined elsewhere in this Agreement. Training on the
Licensed Software shall be provided by OSI at OSI's facility to individuals
designated by the Licensee on a "Train-the-Trainer" basis, according to the
following plan. OSI recognizes that the training needs of individuals will vary
and are dependent upon different skill levels. Training shall be performed at
OSI's facility in classes or settings which include other party's employees and
will not be "private" to Licensee. Some aspects of the training schedule will be
basic to some employees while necessary for others. The schedule shall be as
follows:

TCBS TRAINING

Training on the OSI Proprietary Software shall be provided by OSI to individuals
designated by the Licensee on a "Training the Trainer" basis except for
audiences as stated otherwise. The prerequisite training requirement of basic PC
(Personal Computer) navigation skills and basic Microsoft Windows functionality
is a responsibility of the Licensee. TCBS Training is conducted at OSI,
Glastonbury, CT; exceptions to contract training allocations are defined below
following the course descriptions.

<TABLE>
<CAPTION>

  COURSES                                                                        LENGTH OF     TOTAL STUDENT DAYS PER
                                                                                 COURSE        CONTRACT
<S>                                                                                 <C>         <C>      <C>      <C>
                                                                                                SM       MD       LG

  PRODUCT MANAGER TRAINING/PRODUCT SET-UP WORKSHOP                                  5 day       10       15       20
  Combined lecture and hands on training. Audience should have full knowledge
  of their current products and be able to make business level decisions
  while setting up their products on-line.
  Two part training:

  -        A. Major/Minor product concept combined with specific Deposit/loan
  Product training; and

  -        B hands-on workshop to set up the bank's current products on-line.

</TABLE>

                                    PAGE 43
                       TRAINING SCHEDULE (ATTACHMENT #6)

<PAGE>

<TABLE>
<CAPTION>

  COURSES                                                                        LENGTH OF     TOTAL STUDENT DAYS PER
                                                                                 COURSE        CONTRACT

------------------------------------------------------------------------------------------------------------------------
<S>                                                                                 <C>         <C>      <C>      <C>
                                                                                                SM       MD       LG
------------------------------------------------------------------------------------------------------------------------

  DEPOSIT TRAINING                                                                 5 days        5       5        10
  Hands on system training restricted to TRAIN THE TRAINER audience.
  Training is TCBS system functionality; training is NOT tailored to
  Licensee's specific products, business processes or procedures.
  -        conduct common monetary transaction processing.
  -        Teller administrative functions; account inquiries; off line
           processing; loan monetary transactions.
  -        CSR functions; customer and deposit account opening and
           maintenance, account and miscellaneous inquiries.
  -        Branch operations functions; exception item processing; cashbox
           management; and printer management.

------------------------------------------------------------------------------------------------------------------------
  LOAN TRAINING                                                                    8 days        8       8        16
  Hands on system training restricted to TRAIN THE TRAINER audience.
  Training is TCBS system functionality; training is NOT tailored to
  Licensee's specific products, business processes or procedures.
  -        loan account opening and maintenance; establish persons and
           organizations.
  -        process loan monetary transactions.
  -        process loan escrow functions; creating/maintaining property
           records, tax and insurance information; escrow analysis and invoices.
  -        manage external loan interfaces, batch loan payment coupon printing.
  -        establish loan investor accounts and manage the related activities.
------------------------------------------------------------------------------------------------------------------------
  OPERATIONS TRAINING/ WORKSHOP                                                    5 days        5       10       10
  Hands on system training for TRAIN THE TRAINER audience.  Training is TCBS
  system functionality; training is NOT tailored to Licensee's specific
  products, business processes or procedures.
  -        Perform general bank, branch, and department level operations
           system functions.
  -        Develop/maintain system authorization and security structure.
------------------------------------------------------------------------------------------------------------------------

</TABLE>
                                    PAGE 44
                       TRAINING SCHEDULE (ATTACHMENT #6)

<PAGE>

<TABLE>
<S>        <C>
  -        Manage the network operating and remote support systems.
------------------------------------------------------------------------------------------------------------------------

</TABLE>

<TABLE>
<CAPTION>

------------------------------------------------------------------------------------------------------------------------
  COURSES                                                                        LENGTH OF     TOTAL STUDENT DAYS PER
                                                                                 COURSE        CONTRACT
------------------------------------------------------------------------------------------------------------------------
<S>                                                                                 <C>         <C>      <C>      <C>
                                                                                                SM       MD       LG
------------------------------------------------------------------------------------------------------------------------
  DATABASE TRAINING ( PRECONVERSION COURSE)                                        1 days        1       1        2
  Hands on and demonstration style training for the database administrators
  responsible for database activity and maintenance
  -        Start up, shut down, import and export a database.
  -        Complete backup and recovery; switch between archiving modes.
  -        Perform fragmentation of the database
------------------------------------------------------------------------------------------------------------------------
  IRS REPORTING TRAINING                                                           2 days        2       2        2
  Hands on system training for bank employees responsible for processing tax
  reporting and regulatory compliance duties.

  -        Extract and manage files related to the reporting process.
  -        Experiment with the reporting application.
------------------------------------------------------------------------------------------------------------------------
                        TOTAL TRAINING DAYS PER CONTRACT                                        31       41       62
------------------------------------------------------------------------------------------------------------------------
</TABLE>

                          ADDITIONAL ATTACHMENTS FOLLOW

                                    PAGE 45
                       TRAINING SCHEDULE (ATTACHMENT #6)

<PAGE>

                           ESCROW TERMS AND CONDITIONS

This attachment relates to and is incorporated into the below-referenced
Agreement. Capitalized terms not defined herein have the same meaning as defined
elsewhere in this Agreement.

1.    SOURCE CODE AGREEMENT

Upon execution of this Agreement, OSI agrees to immediately place and thereafter
maintain the Source Code (as hereinafter defined) from the most current release
of the Proprietary Software and the last release of the Proprietary Software
(collectively hereinafter referred to as the "Deposit Materials" in escrow with
an agent ( the "Escrow Agent") pursuant to an escrow agreement which OSI shall
provide to Licensee for review if requested by Licensee (the "Escrow
Agreement"). The Source Code shall be updated per each new release. In the event
(i) OSI ceases to do business in the normal course, (ii) is in default of it
obligations as set out in the Support Services Terms and Conditions, or (iii) in
the event of insolvency, bankruptcy, or assignment for the benefits of creditors
of OSI, OSI, OSI's trustee in bankruptcy, or a court of competent jurisdiction
shall instruct Escrow Agent to release a copy of the Deposit Materials to
Licensee so long as the License remains in full force and effect and Licensee
has not materially breached the terms thereof and failed to cure such breach
upon timely receipt of proper notice required thereunder. OSI agrees herein that
it will pay to Escrow Agent all copying and delivery fees in connection with
Escrow Agents'providing the Deposit Materials to Licensee in accordance with the
provisions of this Agreement . At Licensee's option, OSI further agrees that it
will enter into a three party agreement with Licensee and the Escrow Agent which
provides Licensee a greater level of a direct right of action to secure the
Deposit Materials provided that (I) the Escrow Agent continues to offer such an
agreement and (ii) the incremental fees charged by Escrow Agent for such three
party agreement shall be borne by Licensee.

2.    LICENSE

In the event that Licensee obtains the Source Code or the Deposit Materials
pursuant to these Escrow Terms and Conditions, the Source Code and deposit
Materials shall be deemed to be licensed to the same extent as the Proprietary
Software is licensed to Licensee pursuant to the End User Software License,
except that:

      a)   Licensee shall use the Source Code and Deposit Materials solely to
           maintain and support, and for these purposes to modify, update and
           upgrade the Proprietary Software; and

      b)   Licensee shall have the right to make such copies of the Licensed
           Software and Deposit Materials as are reasonably necessary for
           Licensee's use of the Licensed Software and Documentation as
           contemplated hereunder and for back up and archival purposes. In
           exercising this right, Licensee shall reproduce and include the
           copyright notice and any other notices that appear on the original
           Licensed Software and Deposit Materials on any copies and any media
           therefor.

                                     PAGE 46
                  ESCROW TERMS AND CONDITIONS (ATTACHMENT #7)

<PAGE>

3.    DEFINITIONS

For purposes of this Agreement, "Source Code" shall mean both machine readable
and human readable copies of the Proprietary Software consisting of instructions
to be executed upon a computer in the language used by its programmers (i.e.
prior to compilation or assembly) in a form in which the program logic of the
Proprietary Software is deducible by a human being, fully commented, and
including all available related flow diagrams and all other documentation and
manuals which would allow persons who are experienced computer programmers but
who are unfamiliar with the Proprietary Software to properly effect
modifications and support for the Proprietary Software.

                          ADDITIONAL ATTACHMENTS FOLLOW

                                     PAGE 47
                  ESCROW TERMS AND CONDITIONS (ATTACHMENT #7)

<PAGE>

                             AMENDMENTS TO AGREEMENT

The following shall constitute Amendments to this Agreement, and except for the
following amendments this Agreement shall in all other respects be the sole
agreement of the parties unamended hereby.

1. The following are additional amendments to this Agreement.
a) For any prospect banks from the states of Tennessee, Kentucky and Indiana
where Licensee hosts a visit and demonstration of the OSI system and such banks
sign an Agreement to license and install the OSI system, the Licensee shall
receive a credit of $3,000 to be applied to fees for services under this
Agreement. For any prospect banks from the states of Tennessee, Kentucky and
Indiana where Licensee provides an introduction to OSI and hosts a visit and
demonstration of the OSI system and such banks sign an Agreement to license and
install the OSI system, the Licensee shall receive a credit of $5,000 to be
applied to fees for services under this Agreement. This program shall remain in
effect during the entire Initial Term of this Agreement.
b) OSI will provide annual audited financial statements and semi-annual
unaudited financial statements to Licensee.
c) OSI will honor the prices for all standard interfaces shown on the Initial
Product Order pending resolution of those required by Licensee. d) Upon receipt
of a charter by Pinnacle National Bank, the License and this Agreement shall be
assigned by Pinnacle Financial Partners Inc. to Pinnacle National Bank.

Licensee: PINNACLE FINANCIAL PARTNERS INC.

Signature: /s/ Hugh M. Queener                             Date: June 27, 2000
          -----------------------------------------------      ----------------

Name:  Hugh M. Queener                       Title: Chief Administrative Officer
     ---------------------------------------        ----------------------------

OPEN SOLUTIONS INC.

Signature:  /s/ John L. Person                               Date: July 12, 2000
           -------------------------------------------------       -------------

Name : JOHN L. PERSON                         Title:  PRESIDENT
     ----------------------------------------       ----------------------------

                                     PAGE 48
                    AMENDMENTS TO AGREEMENT (ATTACHMENT #8)

<PAGE>

                               ATTACHMENTS FOLLOW

                                     PAGE 49
                    AMENDMENTS TO AGREEMENT (ATTACHMENT #8)<PAGE>

                                                                   Exhibit 10.18

                        AGREEMENT FOR ASSIGNMENT OF LEASE

                            Re:    Lease of 7029 Church Street East, Brentwood,
                                   Williamson County, TN

        THIS AGREEMENT FOR ASSIGNMENT OF LEASE (the "Agreement") is made and
entered into with an effective date of July 17, 2000 by and between FRANKLIN
NATIONAL BANK ("Seller") and TMP, INC., a Tennessee Corporation (a registered
bank holding company under the Federal Bank Holding Company Act of 1956, as
amended, and a 100% owner of Pinnacle National Bank, N.A, in formation),
("Buyer").

                                   WITNESSETH:

        WHEREAS, Seller is the Assignee of First Union National Bank of
Tennessee dated July 21, 1994, and as such is the tenant of certain demised
premises located at 7029 Church Street East, Brentwood, Williamson County,
Tennessee (the "Property") under Lease Agreement with Jack J. Stearns and wife,
Edna Stearns as landlord ("Landlord") dated April 1, 1985 (the "Lease"), a copy
of which has been provided to Buyer by Seller; and

        WHEREAS, Seller desires to assign, and Buyer desires to take assignment
of and to assume the Lease in accordance with the terms and conditions of this
Agreement.

        NOW, THEREFORE, in consideration of the mutual covenants herein set
forth and other valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, Seller agrees to assign the Lease and Buyer agrees to
assume the Lease upon the following terms and conditions:

         1. PURCHASE PRICE. The purchase price for the assignment of the Lease
shall be $330,000.00 and shall be payable by Buyer by certified check, bank
check, or other current funds as follows:

                  (a) $50,000.00 shall be payable as a good faith deposit upon
execution of the Agreement; and

                  (b) $280,000.00 shall be payable directly to Seller upon
Delivery of Possession of the Property under the Lease as provided in paragraph
4 below.

         2. TERMS OF ASSIGNMENT. Buyer shall execute and deliver an assignment
of the Lease (the "Assignment") that assigns and quitclaims to Buyer, beginning
as of August 1, 2000, all of Seller's right, title and interest in and to the
Lease and any buildings, fixtures, and improvements on the Property, subject to
Seller's right to remain in possession under the Lease until Delivery of
Possession (as defined in paragraph 4 below) and subject to any liens,
easements, rights-of-way, restrictions or other matters affecting title to the
Property. The foregoing are to be assigned and accepted in their "AS IS/WHERE
IS" condition and without warranty, express or implied, as to the condition or
merchantability thereof or the fitness thereof

                                       1
<PAGE>

for any particular use or purpose. The Assignment shall specifically include the
assignment of any right to extend or renew the term of the Lease. The Assignment
must include the consent by Landlord to the assignment and the release of Seller
by Landlord from any further liability under the Lease after March 31, 2005. The
Assignment shall also be executed by Buyer and shall provide that Buyer assumes
and agrees to perform directly the liabilities and obligations of the tenant
under the Lease in accordance with the terms of the Lease beginning as of August
1, 2000, subject to Seller's right to remain in possession under the Lease until
Delivery of Possession (as defined in paragraph 4 below).

        As of Delivery of Possession, Seller shall also assign and quitclaim to
Buyer the items of personal property described on Exhibit A attached hereto, the
foregoing to be assigned and accepted in their "AS IS/WHERE IS" condition and
without warranty, express or implied, as to the condition or merchantability
thereof or the fitness thereof for any particular use or purpose.

        3. CONSENT OF LANDLORD. Buyer and Seller agree that if Seller is unable
to secure the consent and release by Landlord as required under paragraph 2
above as of fourteen (14) days after the date the Assignment is to be executed
by Buyer and Seller, then unless such date is extended by the mutual agreement
of the parties, this Agreement shall terminate and Buyer shall be entitled to
receive a refund of the good faith deposit in full satisfaction of the
obligations of the parties under this Agreement.

        4. POSSESSION. Seller shall deliver to Buyer possession of the Property
under the Lease ("Delivery of Possession") on July 31, 2000. Seller shall have
the right to remain in possession of the Property and shall pay all rent, fees
or expenses due under the Lease through Delivery of Possession. As of Delivery
of Possession, any and all rent, fees or expenses due under the Lease shall be
prorated between Buyer and Seller on a daily basis and shall be paid by or
refunded to Seller, as appropriate. Beginning as of the date of Delivery of
Possession, Buyer shall become responsible for the payment of any and all rent,
fees or expenses due and payable under the Lease.

        5. CLOSING MATTERS. Seller and Buyer shall each pay for their own
attorney's fees incurred in connection with this transaction. Buyer shall pay
for any recording fees and for its title work, inspections and any other costs
incurred by Buyer in connection with this transaction. Buyer shall pay for any
fees incurred and demanded by Landlord as consideration in connection with this
transaction. Ad valorem real property taxes, personal property taxes, and rent
due under the Lease shall be prorated between Seller and Buyer as of Delivery of
Possession and paid or credited, as appropriate. Utilities through the date of
Delivery of Possession shall be the responsibility of Seller to pay when due,
and thereafter utilities shall be paid by Buyer. Buyer shall provide at Delivery
of Possession evidence of the insurance coverage required to be maintained by
the tenant under the Lease naming Landlord, Seller, and Buyer as insureds, as
their interests may appear.

        6. RIGHT OF ENTRY AND INSPECTION. Seller hereby grants to Buyer and
Buyer's agents the right to enter upon the Property at any reasonable time or
times, with notice to Seller, prior to Delivery of Possession for the purpose of
inspecting the Property, performing surveys, engineering studies and
inspections, and for any lawful purpose consistent with or in connection

                                       2
<PAGE>

with the Agreement; provided, however, Buyer shall be responsible to repair or
pay for the repair of any damage to the Property occasioned thereby and Buyer
shall indemnify and hold harmless Seller against any claims or liabilities
arising from or relating to such activities of Buyer or its agents on the
Property.

        7. RISK OF LOSS. Risk of loss by damage, fire or other casualty shall
remain with Seller until the Delivery of Possession.

        8. NO ASSIGNMENT. This Agreement may be assigned by Buyer only with the
written consent of Seller.

        9. DEFAULT. In the event (a) of any default by Seller under the terms of
this Agreement, (b) all of the conditions of this Agreement to be satisfied by
Buyer have not been satisfied or are not capable of being satisfied as of the
date specified in this Agreement, or (c) any of the representations made by
Seller hereunder are untrue, Buyer shall have the right to rescind and terminate
this Agreement and to receive a full refund of all the good faith deposit paid
hereunder, without limiting any of Buyers claims or remedies available to Buyer
at law or in equity for damages or for specific performance arising out of
Seller's default. In the event of a default by Buyer under the terms of this
Agreement, the good faith deposit paid hereunder shall be forfeited to Seller
without limiting any other claims or remedies available to Seller at law or in
equity for damages or for specific performance arising out of Buyers default.

        10. BROKER. Buyer and Seller represent to each other that, except for
John Eakin Property, they are not obligated to pay any broker's commissions or
finder's fees in connection with this transaction and that they have not dealt
with any real estate broker in connection with this transaction. Seller shall
separately pay John Eakin Property a fee of $30,000.00.

        11. NOTICES. Any notice required or permitted to be given under the
terms of this Agreement shall be deemed to have been given as of the date
delivered in person or if mailed, as of the date such notice is deposited with
the United States Post Office as a certified letter, return receipt requested,
postage prepaid, addressed to the parties as follows:

                  If to Buyer:            TMP, Inc. and
                                          Pinnacle National Bank (in formation)
                                          Attention: Terry Turner
                                          3401 West End Avenue, Suite 206
                                          Nashville, Tennessee 37203

                  If to Seller:           Franklin National Bank
                                          Attention: Mr. George J. Regg, Jr.
                                          230 Public Square
                                          Franklin, Tennessee 37064

        12. CONSTRUCTION OF AGREEMENT. The waiver of any provisions of this
Agreement by either party hereto shall constitute a waiver of that provision on
that occasion only, and shall not constitute a waiver of any other provision
hereof or of that provision with respect to any other

                                       3
<PAGE>

occasion. This Agreement contains the entire agreement of the parties with
respect to the transactions herein set forth and it may not be amended or
modified except by the written agreement of the parties hereto. In the absence
of a specific provision herein to the contrary, the party upon whom an
obligation is imposed shall perform the obligation at its expense.

        13. SURVIVAL. Any provision contained herein which by its nature and
effect is required to be observed, kept or performed after the Closing, shall
survive the Closing and remain binding upon and for the benefit of the parties
hereto until Delivery of Possession. This Agreement shall be binding upon and
shall inure to the benefit of the successors or assigns of the parties hereto.

         14. REPRESENTATIONS OF SELLER. Seller hereby makes the following
representations which shall, as a condition of this Agreement, continue to be
true as of the date of Closing and as of Delivery of Possession.

                (a) Seller has the authority to enter into this Agreement and
Seller now holds the leasehold interest to the Property under the Lease.

                (b) There are no existing assignments of the Lease or subleases
of or affecting the Property.

                  (c) The Lease is in full force and effect, Seller is not in
default under the Lease, and Seller has or will pay rent and other fees due
thereunder through the Delivery of Possession.

         15. ACCEPTANCE. This Agreement shall be null and void if Buyer has not
delivered a fully signed and sealed counterpart original hereof to Seller by
5:00 p.m. on July 17, 2000.

         IN WITNESS WHEREOF, Seller and Buyer have signed this instrument in
multiple originals, one of which is acknowledged to have been retained by each
party, and each which shall be deemed an original for all purposes.

                   Seller:   FRANKLIN NATIONAL BANK

                             By:      SIGNATURE ILLEGIBLE
                                 ---------------------------------------------
                                    President

                   Buyer:    TMP, INC., and
                             PINNACLE NATIONAL BANK (in formation)

                             By:      /S/ ROBERT A. MCCABE, JR
                                 ---------------------------------------------
                                   Chairman

                             Subject to TMP, Inc. Letter dated July 13, 2000

                                       4

<PAGE>

                                                                       EXHIBIT A

FURNITURE/EQUIPMENT LIST

Desks - 8
Credenzas - 7
Executive Chairs - 4
Secretarial Chairs - 3
Lamps - 4
Framed Prints - 13
Love Seat - 1
Arm Chairs - 2
Side Chairs - 16
Small Coffee Pot Table - 1
Custom Check/Counter Table - 1
Diebold vault door Lock box viewing table with 1 side chair
3 window teller counters
Drive-thru teller counter
5 teller stools
Storage counter behind tellers - sliding doors & drawers
Diebold audio system microphone - 2 (drive-thru)
CCTV Camera - 2
4 lane drive-thru with closed circuit camera - 2
Panasonic cassette deck
Sony receiver
Sanyo microwave

                                       5
<PAGE>

                                    TMP, INC.

July 13, 2000

Mr. George J. Regg, Jr.
Franklin National Bank
230 Public Square
Franklin, TN  37064

RE:  Agreement for Assignment of Lease

Dear George:

Please find enclosed our acceptance of the Agreement of Assignment of Lease
dated July 17, 2000 based on the following conditions and changes:

1.       The purchase price shall be reduced from $330,000 to $315,000. However,
         the commission in paragraph 10 shall be reduced to $15,000.

2.       Buyer shall begin payment under the Lease as requested on August 1,
         2000.

3.       Paragraph 1 (b) shall read "$240,000 shall be payable directly to
         Seller within fifteen days of regulatory approval but not later than
         October 15, 2000."

4.       Buyer shall have an inspection period until July 28, 2000. If the Buyer
         determines that the property will not work for the Buyer's use for any
         reason during the inspection period, then the $50,000 good faith
         deposit shall be returned to the Buyer.

If these terms are acceptable, please have this letter accepted on behalf of
Franklin National Bank.

Sincerely,

Robert A. McCabe, Jr.

Agreed to and accepted:
FRANKLIN NATIONAL BANK

BY:      SIGNATURE ILLEGIBLE
   -------------------------------

TITLE:   PRESIDENT
      ----------------------------

          3401 West End Avenue o Suite 306 o Nashville, Tennessee 37203

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00014-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00014-of-00352.parquet"}]]