Document:

<PAGE>   1
                                                                   EXHIBIT 10.22

                        REVOLVING CREDIT PROMISSORY NOTE

Nashville, Tennessee                                                  $5,000,000
July 19, 1999

         FOR VALUED RECEIVED, BANCTENN CORP., a Tennessee corporation (the
"Borrower") promises and agrees to pay to the order of SunTrust Bank, Nashville,
N.A., a national banking association, its successors, assigns or any subsequent
holder of this Promissory Note (the "Lender") at its offices in Nashville,
Tennessee, or at such other place as may be designated in writing by Lender, in
lawful money of the United States of America in immediately available funds, the
principal sum of up to Five Million Dollars ($5,000,000), or so much thereof as
may be advanced from time to time, together with interest thereon and other
amounts due as provided below. This Note shall mature on July 31, 2000 (the
"Maturity Date")

         All advances hereunder shall bear interest from the date of such
advance until such amount is due and payable at a rate of interest equal to
ninety basis points (.90%) per annum above the LIBOR (as defined below) rate of
interest. As used herein, "LIBOR" is defined as that certain interest rate
derived by taking the London Interbank Offered Rate as quoted on the Telerate
System and published daily (or on each business day) by Lender's Funds
Management Desk for one-month periods. The interest rate on this Note shall be
adjusted daily to reflect any changes in such LIBOR rate of interest.

         Beginning on September 30, 1999, and continuing on the last business
day of December, March, and June, thereafter until the Maturity Date, Borrower
shall pay to Lender all accrued interest, fees and any other charges hereon. No
principal payments shall be due until the Maturity Date. On the Maturity Date,
Borrower shall make a final payment in the amount equal to the sum of all
outstanding principal, plus any and all accrued and unpaid interest and all
other amounts due hereunder.

         As long as no Event of Default (as defined below) (or any event that
would constitute an Event of Default upon the giving of notice or passage of
time or both) has occurred, Borrower may borrow, repay, reborrow and repay
hereunder until the Maturity Date; provided, however, that at no time shall the
principal amount outstanding hereunder exceed the face amount of this Note. If
such excess occurs, Borrower shall immediately pay to Lender all principal
outstanding hereunder in excess of the face amount of this Note, plus all
interest and other charges accrued on such excess.

         Lender and Borrower intend to conform strictly to applicable usury laws
as presently in effect. Accordingly, Borrower and Lender agree that,
notwithstanding anything to the contrary herein or in any agreement executed in
connection with or as security for this Note, the sum of all consideration that
constitutes interest under applicable law which is contracted for, charged, or
received hereunder shall under no circumstance, including without limitation any
circumstance in which the Note has been accelerated or prepaid, exceed the
maximum lawful rate of interest permitted by applicable law. Any excess interest
shall be credited on this Note, or, if this Note shall have been paid in full,
refunded to Borrower, by the holder hereof.
<PAGE>   2

         Following the occurrence of any Event of Default (as defined below),
whether or not any notice of such default has been delivered, principal and
unpaid interest shall bear interest (both before and after judgement) until paid
at a rate of interest equal to the higher or greater of: (a) the Applicable
Formula Rate (as defined in the Tennessee Code Annotated ss. 47-14-102(2)), or
(b) such other lawful rate of interest permitted to be charged by other
applicable laws or regulations, as amended or enacted from time to time (the
"Default Interest").

         All amounts received for payment under this Note shall at the option of
Lender be applied first to any unpaid expenses due Lender under this Note or
under any other documents evidencing or securing the obligations of Borrower to
Lender, then to the unpaid Default Interest, then to all other accrued but
unpaid interest due under this Note and finally to the reduction of outstanding
principal due under this Note.

         Time is of the essence of this Note.

         Any of the following events shall be considered an "Event of Default"
hereunder:

                  (a)      Principal and Interest Payments. Borrower fails to
         pay any installment of interest on this Note within five (5) days after
         the due date or Borrower fails to pay principal on this Note when due,
         or Borrower fails to pay any other amount hereunder or under any other
         agreement or document relating to or otherwise executed in connection
         with this Note within ten (10) calendar days after written notice from
         Lender, or

                  (b)      Representations and Warranties. Any representation,
         warranty, statement (including financial statements) certification or
         data made or furnished by or on behalf of Borrower or by or on behalf
         of any Obligor (as defined below) in connection with this Note is
         incorrect in any material respect as of the date as of which the facts
         therein set forth were stated or certified; or

                  (c)      Obligations. Borrower or any Obligor fails to perform
         any of the promises or obligations contained in or required by this
         Note or any other document or agreement relating to or otherwise
         executed in connection herewith and fails to cure such non-performance
         within twenty (20) days from the earlier of (i) its knowledge thereof
         or (ii) Lender's written notice thereof, or

                  (d)      Involuntary Bankruptcy or Receivership Proceedings.
         Any of the following events or conditions occurs with respect to
         Borrower or any Obligor; (i) a receiver, custodian, liquidator, or
         trustee or itself or of any of its real, personal, tangible, intangible
         or mixed property or assets of Borrower or of any Obligor (the
         "Property") is appointed by the order or decree of any court or agency
         or supervisory authority having jurisdiction; or (ii) any Property is
         sequestered by court order, or (iii) a petition is filed under any
         state or federal bankruptcy, reorganization, debt arrangement,
         insolvency, readjustment or debt, dissolution, liquidation or
         receivership law of any jurisdiction, whether now or hereafter in
         effect and such petition is not dismissed or vacated within sixty (60)
         calendar days from the filing date of such petition; or

                                       2
<PAGE>   3

                  (e)      Voluntary Petitions. Borrower or any Obligor files
         (or takes affirmative steps to prepare to file) a voluntary bankruptcy
         petition or other petition to seek relief under any provision of any
         bankruptcy, reorganization, debt arrangement, insolvency, readjustment
         of debt, dissolution or liquidation law of any jurisdiction or consents
         to the filing of any such petition against it under any law; or

                  (f)      Assignments for Benefit of Creditors, Etc. Borrower
         or any Obligor makes an assignment for the benefit of creditors, or
         admits in writing its inability to pay its debts generally as they
         become due, or consents to the appointment of a receiver, trustee, or
         liquidator of itself or of all or any part of its Property; or

                  (g)      Discontinuance of Business, Etc. Borrower or any
         Obligor (i) discontinues its usual business, or (ii) commences to
         dissolve, wind-up or liquidate itself, or (iii) experiences a change of
         control of 25% or more of its voting stock; or

                  (h)      Cross-Default on Other Debt or Security. Subject to
         any applicable grace period or waiver prior to any due date, Borrower
         or any Obligor fails to make any payment due on any material
         indebtedness, guaranty, endorsement, indemnity agreement, capital lease
         or other obligation, whether contingent or otherwise, (each, a "debt")
         or on any security (as "security" is defined for purposes of the
         federal securities laws) or any event shall occur or any condition
         shall exist with respect to any debt or security of Borrower or any
         Obligor, the effect of which is to cause or to permit any trustee or
         any holder of such debt or security to cause (whether or not such
         holder or trustee elects to cause) any or all of such debt or security
         to become due prior to its stated maturity or its regularly scheduled
         dates of payment.

         Upon the occurrence of an Event of Default under Section (d), (e), or
(f) above, the entire indebtedness evidenced hereby shall automatically be
immediately due and payable, without notice, and upon the occurrence of any
other Event of Default, at the option of Lender, the entire indebtedness
evidenced hereby shall become due, payable and collectible then or thereafter,
without notice, as Lender may elect, regardless of the Maturity Date.

         Lender may waive any Event of Default before or after the same has been
declared and restore this Note to full force and effect without impairing any
rights hereunder, such right of waiver being a continuing one, but one waiver
shall not imply any additional or subsequent waiver.

         Borrower and any and all accommodation parties, endorsers, guarantors
and other parties liable to this Note, and any and all general partners of
Borrower (electively, the "Obligors") jointly and severally waive presentment
for payment, protest, notice of protest, notice of nonpayment of this Note,
demand and all legal diligence in enforcing collection, any discharge or
defenses based on suretyship or impairment of collateral; and hereby expressly
consent to (i) any and all delays, extensions, renewals or other modifications
of this Note or any waivers of any term hereof, (ii) any release or discharge by
Lender of any of the Obligators, (iii) any release, substitution or exchange of
any security for the payment hereof, (iv) any failure to act on the part of
Lender, and (vi) any indulgence shown by Lender from time to time (without
notice or further assent from any of the Obligors) and hereby agree that no such
action, failure to act or failure to exercise any right or remedy by Lender
shall in any way affect or impair the obligations of any of the Obligors.

                                       3
<PAGE>   4

         BORROWER HEREBY IRREVOCABLY CONSENTS TO THE JURISDICTIONS OF THE COURTS
LOCATED IN DAVIDSON COUNTY, TENNESSEE, INCLUDING WITHOUT LIMITATION, FEDERAL
COURTS SITTING THE MIDDLE DISTRICT OF TENNESSEE AND THE CHANCERY COURT FOR
DAVIDSON COUNTY, TENNESSEE, FOR ANY SUIT BROUGHT OR ACTION COMMENCED IN
CONNECTION WITH THIS NOTE, ANY DOCUMENTS EXECUTED OR DELIVERED IN CONNECTION
HEREWITH, OR ANY RELATIONSHIP BETWEEN LENDER AND BORROWER, AND AGREES NOT TO
CONTEST OR CHALLENGE VENUE IN ANY SUCH COURTS.

         Borrower irrevocably consents to the service of process of any such
courts in any such action or proceeding by the mailing of copies thereof by
registered or certified mail, postage prepaid, return receipt requested, to
Borrower at the address opposite its signature below or to such other address as
Borrower may have furnished to Lender in writing, and agrees that such service
shall become effective thirty (30) days after such mailing. However, nothing
herein shall affect the right of Lender or Borrower to serve process in any
other manner permitted by law or to commence legal proceedings or otherwise
proceed against Lender or Borrower in any jurisdiction.

         BORROWER HEREBY KNOWINGLY, WILLINGLY AND IRREVOCABLY WAIVES ITS RIGHTS
TO DEMAND A JURY TRIAL IN ANY ACTION OR PROCEEDING INVOLVING THIS NOTE, ANY
DOCUMENTS EXECUTED OR DELIVERED IN CONNECTION HEREWITH OR ANY RELATIONSHIP
BETWEEN BORROWER AND LENDER. BORROWER AGREES THAT LENDER MAY FILE AN ORIGINAL
COUNTERPART OR COPY OF THIS PARAGRAPH WITH ANY COURT AS WRITTEN EVIDENCE OF
BORROWER'S EXPRESS WAIVER OF ITS RIGHT TO TRIAL BY JURY.

         In any action to enforce this Note, Borrower hereby irrevocably and
unconditionally waives any and all rights under the laws of any state to claim
or recover any special, exemplary, punitive, consequential or other changes
other than actual direct damages.

         Borrower shall pay, or demand, all costs and expenses (including court
costs, attorneys' fees and expenses) incurred by Lender in attempting to enforce
or collect this Note, protect or enforce its rights under this Note or protect
or collect on any security for the payment of this Note.

         This Note has been executed and delivered in, and shall be governed by
and construed according to the laws of the State of Tennessee except to the
extent pre-empted by applicable laws of the United States of America. If any
provision of this Note should for any reason be invalid or unenforceable, the
remaining provisions hereof shall remain in full force and effect.

         This Note may not be changed, extended or terminated except in writing
signed by Borrower and Lender. No waiver of any term or provision hereof shall
be valid unless in writing signed by Lender.

                                       4
<PAGE>   5

         Executed this 19th day of July, 1999.

                                BANCTENN CORP.

                                By:    /s/ Colon A. Terrell, Jr.
                                       ----------------------------------
                                Title: President & CEO
                                       ----------------------------------

                                       5
<PAGE>   6

                    FIRST AMENDMENT TO REVOLVING CREDIT NOTE

         THIS FIRST AMENDMENT TO THE REVOLVING CREDIT NOTE (the "First
Amendment") is executed as of the 31st day of July 2000 by and between BANCTENN
CORP. (the "Borrower") and SUNTRUST BANK (the "Lender").

                                    RECITALS:

         Borrower and Lender have executed that certain Revolving Credit Note
(the "Note") dated July 31, 1999, in the original principal amount of
$5,000,000.

         The Borrower and Lender desire to amend the Note as set forth herein.

         Terms not defined herein shall have the meanings ascribed to such terms
in the Note.

         NOW, THEREFORE, in consideration of the premises, and for other good
and valuable consideration, the adequacy and receipt of which are hereby
acknowledged, the Borrower and Lender agree that the Note shall be amended as
follows:

         The Maturity Date is extended to July 31, 2001.

         Except as herein expressly amended, all other terms, provisions,
agreements, representation and warranties in the Note remained unchanged and in
full force and effect.

         Borrower reaffirms all of its duties, obligations, promises,
agreements, representations and warranties set forth in the Note, as amended
hereby.

         IN WITNESS WHEREOF, Borrower and Lender execute this First Amendment as
of the day and date first set forth above.

                                    BORROWER:

                                    BANCTENN CORP.

                                    By:    /s/ Colon A. Terrell, Jr.
                                           ------------------------------------
                                    Title: President & CEO
                                           ------------------------------------

                                    LENDER:

                                    SUNTRUST BANK

                                    By:
                                          -------------------------------------
                                    Title:
                                          -------------------------------------

                                       6<PAGE>   1
                                                                   EXHIBIT 10.23

                                 PROMISSORY NOTE

===============================================================================
Borrower: BancTenn Corp (TIN: 62-122691)   Lender: First American National Bank
          P. O. Box 566                            Correspondent Banking
          Kingsport, TN  37662                     300 Union Street
                                                   First American Center

================================================================================

Principal Amount:          $5,000,000.00         Date of Note:  August 19, 1998

PROMISE TO PAY. BancTenn Corp. ("Borrower") promises to pay to First American
National Bank ("Lender"), or order, in lawful money of the United States of
America, the principal amount of Five Million and 00/100 Dollars ($5,000,000.00)
or so much as may be outstanding, together with interest on the unpaid
outstanding principal balance of each advance. Interest shall be calculated from
the date of each advance until repayment of each advance.

PAYMENT. Borrower will pay this loan in accordance with the following payment
         schedule:

         Borrower will pay this loan in one payment of all outstanding principal
         plus all accrued unpaid interest on September 1, 2001. In addition
         Borrower will pay regular quarterly payments of accrued unpaid interest
         beginning December 1, 1998, and all subsequent interest payments are
         due on the same day of each third month after that.

In addition, all other outstanding amounts (expenses, charges and fees,
including without limitation reasonable attorneys' fees), if any, will be due in
full no later than the maturity of this Note, by acceleration, demand (if
applicable), or otherwise. The annual interest rate for this Note is computed on
a 365/360 basis, that is, by applying the ratio of the annual interest rate over
a year of 360 days, multiplied by the outstanding principal balance, multiplied
by the actual number of days the principal balance is outstanding. Borrower will
pay Lender at Lender's address shown above or at such other place as Lender may
designate in writing. Unless otherwise agreed or required by applicable law,
payments will be applied to accrued unpaid interest, principal, unpaid
collection costs, late charges, and other charges in such order as Lender
elects, except that payments shall be applied to accrued interest before
principal.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change
based on change in the 90-day LIBOR. Lender will tell Borrower the current LIBOR
upon Borrower's request. LIBOR will be adjusted every 90 days, it is understood
that these adjustments will not necessarily coincide with the dates of the
quarterly payments. The interest rate to be applied to the unpaid principal
balance of this Note will be at a rate of 1.00% per annum over LIBOR. NOTICE:
Under no circumstances will the interest rate on this Note be more than the
maximum rate allowed by applicable law.

DEFINITION OF LIBOR. "LIBOR" is the London Interbank Offered Rate for U.S.
Dollar-denominated interbank obligations in the London, England market with
terms equal to the interval between interest rate adjustments hereunder (the
"Interest Period") and rounded up to the nearest .01% per annum. The interest
rate during each Interest Period shall be based on LIBOR as determined by Lender
from any generally recognized financial reporting service on the beginning date
of the Interest Period, if the beginning date is a Business Day, or, if not a
Business Day, on the next succeeding Business Day. A "Business Day" is a day on
which Lender is generally open for business and on which current LIBOR
quotations are available. If LIBOR becomes unavailable during the term of this
loan, Lender may designate a substitute reference rate and margin after notice
to Borrower.

PREPAYMENT. Borrower may pay without penalty all or a portion of the amount owed
earlier than it is due. Early payments will not, unless agreed to by Lender in
writing, relieve Borrower of Borrower's obligation to continue to make payments
of accrued unpaid interest. Rather, they will reduce the principal balance due.

LATE CHARGE. If a payment is 5 days or more late, Borrower will be charged
5.000% of the regularly scheduled payment.

DEFAULT. Borrower will be in default if any of the following happens: (a)
Borrower fails to make any payment when due, (b) Borrower breaks any promise
Borrower has made to Lender, or Borrower fails to comply with or to perform when
due any other term, obligation, covenant, or condition contained in this Note or
any agreement related to this Note, or in any other agreement or loan Borrower
has with Lender, (c) Borrower defaults under any loan, extension of credit,
security agreement, purchase or sales agreement, or any other agreement, in
favor of any other creditor or person that may materially affect any of
Borrower's property or Borrower's ability to repay this Note or perform
Borrower's obligations under this Note or any of the Related Documents, (d) Any
representation or statement made or furnished to Lender by Borrower or on
Borrower's behalf is false or misleading in any material respect either now or
at the time made or furnished, (e) Borrower becomes insolvent, a receiver is
appointed for any part of Borrower's property. Borrower makes an assignment for
the benefit of creditors, or any proceeding is commenced either by Borrower or
against Borrower under any bankruptcy or insolvency laws, (f) Any creditor tries
to take any of Borrower's property on or in which Lender has a lien or security
interest. This includes a garnishment of any of Borrower's accounts with Lender,
(g) Any guarantor dies or any of the other events described in this default
section occur with respect to any guarantor of this Note, (h) A material adverse
change occurs in Borrower's financial condition, or Lender believes the prospect
of payment or performance of the indebtedness is impaired, (i) Lender in good
faith deems itself insecure.

<PAGE>   2

08-19-98                   PROMISSORY NOTE                     Page 2
Loan No.                     (Continued)

===============================================================================

ADDITIONAL DEFAULT PROVISIONS. Borrower will also be in default if any of the
following happens: (a) Either Borrower or any guarantor, surety, or endorser
fails to provide timely financial information to Lender when requested, but in
no event less frequently than annually, and in form and substance satisfactory
to Lender, (b) Any endorser or surety of the Note dies, or any of the events
described in this paragraph or in the prior paragraph, titled "Default", occurs
with respect to them.

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal
balance on this Note and all accrued unpaid interest immediately due, without
notice, and then Borrower will pay that amount. Upon default, including failure
to pay upon final maturity, Lender, at its option, may also, if permitted under
applicable law, do one or both of the following: (a) increase the variable
interest rate on this Note to 24.000% per annum, and (b) add any unpaid accrued
interest to principal and such sum will bear interest therefrom until paid at
the rate provided in this Note (including any increased rate), but in no event
at an effective total interest rate on this Note greater than the rate permitted
by applicable law. Lender may hire or pay someone else to help collect this Note
if Borrower does not pay. Borrower also will pay Lender that amount. This
includes, subject to any limits under applicable law, Lender's attorneys' fees
and Lender's legal expenses whether or not there is a lawsuit, including
attorneys' fees and legal expenses for bankruptcy proceedings (including efforts
to modify or vacate any automatic stay or injunction), appeals and any
anticipated post-judgment collection services. If not prohibited by applicable
law, Borrower also will pay any court costs, in addition to all other sums
provided by law. This Note has been delivered to Lender and accepted by Lender
in the State of Tennessee. If there is a lawsuit, Borrower agrees upon Lender's
request to submit to the jurisdiction of the courts of Davidson County, the
State of Tennessee, Lender and Borrower hereby waive the right to any jury trial
in any action, proceeding, or counterclaim brought by either Lender or Borrower
against the other. This Note shall be governed by and construed in accordance
with the laws of the State of Tennessee.

LOAN CHARGES. Subject to the limits set forth in this paragraph, Borrower agrees
to pay loan charge(s) to Lender in an aggregate amount equal to Lender's fees,
if disclosed to Borrower prior to their accrual, for: (i) for closing the loan
evidenced by this Note (the "Loan"); (ii) taking or forbearing from taking, at
Borrower's request, actions respecting this Note or any future instrument
evidencing the Loan or any indebtedness derived therefrom in whole or in part (a
"Replacement Note") that Lender is not obligated to take or forebear from
taking, including any and all extensions, renewals, amendments, and refinancings
of, or waivers respecting, this Note or any Replacement Note; and (iii)
accepting any partial or complete prepayment of any such Note, if the Note being
prepaid provides for a prepayment fee. Prior disclosure of a fee shall be
presumed from its payment by Borrower. The aggregate amount of loan charges
payable under this paragraph shall not exceed 4% of that portion of the
principal indebtedness evidenced by this Note that is not derived from a
payment, renewal or refinancing of a prior indebtedness of Borrower to Lender or
an affiliate of Lender. Subject to the foregoing limits, Borrower's obligations
under this paragraph shall survive the full payment or satisfaction of this Note
or any Replacement Note by means of any subsequent extension of credit from
Lender. The loan charges described and limited in this paragraph shall not
include interest, filing and recording fees and taxes, costs of collection,
delinquency charges, and any credit-related insurance otherwise required in
connection herewith.

DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $15.00 if Borrower
makes a payment on Borrower's loan and the check or preauthorized charge with
which Borrower pays is later dishonored.

LINE OF CREDIT. This Note evidences a revolving line of credit. Advances under
this Note may be requested orally by Borrower or by an authorized person. All
oral requests shall be confirmed in writing on the day of the request. All
communications, instructions, or directions by telephone or otherwise to Lender
are to be directed to Lender's office shown above. The following party or
parties are authorized to request advances under the line of credit until Lender
receives from Borrower at Lender's address shown above written notice of
revocation of their authority: Colon A. Terrell, President and Chief Executive
Officer. Borrower agrees to be liable for all sums either: (a) advanced in
accordance with the instructions of an authorized person or (b) credited to any
of Borrower's accounts with Lender. The unpaid principal balance owing on this
Note at any time may be evidenced by endorsements on this Note or by Lender's
internal records, including daily computer print-outs. Lender will have no
obligation to advance funds under this Note if: (a) Borrower or any guarantor is
in default under the terms of this Note or any agreement that Borrower or any
guarantor has with Lender, including any agreement made in connection with the
signing of this Note; (b) Borrower or any guarantor ceases doing business or is
insolvent; (c) any guarantor seeks, claims or otherwise attempts to limit,
modify or revoke such guarantor's guarantee of this Note or any other loan with
Lender; (d) Borrower has applied funds provided pursuant to this Note for
purposes other than those authorized by Lender; or (e) Lender in good faith
deems itself insecure under this Note or any other agreement between Lender and
Borrower.

President, Borrower agrees to be liable for all sums either: (a) advanced in
accordance with the instructions of an authorized person or (b) credited to any
of Borrower's accounts with Lender. The unpaid principal balance owing on this
Note at any time may be evidenced by endorsements on this Note or by Lender's
internal records, including daily computer print-outs. Lender will have no
obligation to advance funds under this Note if: (a) Borrower or any guarantor is
in default under the terms of this Note or any agreement that Borrower or any
guarantor has with Lender, including any agreement made in connection with the
signing of this Note; (b) Borrower or any guarantor ceases doing business or is
insolvent; (c) any guarantor seeks, claims or otherwise attempts to limit,
modify or revoke such guarantor's guarantee of this Note or any other loan with
Lender; (d) Borrower has applied funds provided pursuant to this Note for
purposes other than those authorized by Lender; or (e) Lender in good faith
deems itself insecure under this Note or any other agreement between Lender and
Borrower.

GENERAL PROVISIONS. Lender may delay or forgo enforcing any of its rights or
remedies under this Note without losing them. Borrower and any other person who
signs, guarantees or endorses this Note, to the extent allowed by law, waive
presentment, demand for payment, protest and notice of dishonor. Upon any change
in the terms of this Note, and unless otherwise expressly stated in writing, no
party who signs this Note, whether as maker, guarantor, accommodation maker or
endorser, shall be released from liability. All such parties agree that Lender
may renew or extend (repeatedly and for any length of time) this loan, or
release any party or guarantor or collateral; or impair, fail to realize upon or
perfect Lender's security interest in the collateral; and take any other action
deemed necessary by Lender without the consent of or notice to

<PAGE>   3

08-19-98                   PROMISSORY NOTE                     Page 3
Loan No.                     (Continued)

===============================================================================

anyone. All such parties also agree that Lender may modify this loan without the
consent of, or notice to anyone other than the party with whom the modification
is made.

ADDITIONAL GENERAL PROVISIONS. If this Note evidences, in whole or in part, a
renewal, extension, or refinancing of any prior obligation of Borrower (or any
Borrower) to Lender, it shall not constitute payment, satisfaction, or a
novation of such obligation. This Note, together with any loan documents,
security documents and other documents executed in connection with the
indebtedness evidenced thereby, represents the entire agreement between Borrower
and Lender concerning the subject matter therein, and all prior oral discussions
and agreements are merged into said documents. Borrower agrees that Lender may
proceed against any collateral security this Note, if applicable, and against
any parties liable therefor in such order as it may elect, and neither Borrower,
nor any guarantor or creditor of Borrower, shall be entitled to required Lender
to marshal assets. The benefit of any rule of law or equity to the contrary is
expressly waived. In the event any provisions or clause in this Note is deemed
illegal or contrary to law by virtue of any court of competent jurisdiction or
by statute, said provision shall be deemed to be severed and deleted from the
Note, with all other provisions remaining in full force and effect. Furthermore,
for the purpose of determining the rights and obligations of Borrower and Lender
regarding this Note, it shall be deemed a negotiable instrument under the
Uniform Commercial Code, as incorporated into applicable state law. Finally, in
addition to Lender's right to hire someone else to collect this Note, Lender may
also, or alternatively, use its staff attorneys to do so, and Borrower shall be
responsible for the legal fees and expenses of said staff counsel, if permitted
by applicable law.

PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF
THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. BORROWER AGREES TO
THE TERMS OF THE NOTE AND ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THE NOTE.

BORROWER:

BancTenn Corp

X        /s/ Colon A. Terrell, Jr. - President & CEO
  --------------------------------------------------
Authorized Officer

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"}]]