Document:

<PAGE>
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                                                                               .
                                                                               .

                                                                   EXHIBIT 10.14

                            BUSINESS LOAN AGREEMENT

<TABLE>
<CAPTION>
   PRINCIPAL     LOAN DATE   MATURITY    LOAN NO   CART/CO$  ACCOUNT  OFFICER  INITIALS
   ---------    ----------  ----------  --------  ---------  -------  -------  --------
<C>             <C>         <C>         <C>       <C>        <C>      <C>      <C>
$30,000,000.00  09-01-2005  08-31-2006  30030036  O4A0/BLKT  _______  97271    ________
</TABLE>

  References in the shaded area are for Lender's use only and do not limit the
         applicability of this document to any particular loan or item.

Any item above containing "***" has been omitted due to text length limitations.

<TABLE>
<S>                                                 <C>
BORROWER: HOME BANCSHARES, INC. (TIN: 71-0682831)   LENDER: FIRST TENNESSEE BANK NATIONAL ASSOCIATION
          719 HARKRIDER ST. SUITE 300                       FINANCIAL INSTITUTIONS
          CONWAY, AR 72032                                  845 CROSSOVER LANE, SUITE 150
                                                            MEMPHIS, TN 38117
                                                            (901) 435-7972
</TABLE>

THIS BUSINESS LOAN AGREEMENT DATED SEPTEMBER 1, 2005, IS MADE AND EXECUTED
BETWEEN HOME BANCSHARES. INC. ("BORROWER") AND FIRST TENNESSEE BANK NATIONAL
ASSOCIATION ("LENDER") ON THE FOLLOWING TERMS AND CONDITIONS. BORROWER HAS
RECEIVED PRIOR COMMERCIAL LOANS FROM LENDER OR HAS APPLIED TO LENDER FOR A
COMMERCIAL LOAN OR LOANS OR OTHER FINANCIAL ACCOMMODATIONS, INCLUDING THOSE
WHICH MAY BE DESCRIBED ON ANY EXHIBIT OR SCHEDULE ATTACHED TO THIS AGREEMENT
("LOAN"). BORROWER UNDERSTANDS AND AGREES THAT: (A) IN GRANTING, RENEWING, OR
EXTENDING ANY LOAN, LENDER IS RELYING UPON BORROWER'S REPRESENTATIONS,
WARRANTIES, AND AGREEMENTS AS SET FORTH HI THIS AGREEMENT; (8) THE GRANTING,
RENEWING, OR EXTENDING OF ANY LOAN BY LENDER AT ALL TIMES SHALL BE SUBJECT TO
LENDER'S SOLE JUDGMENT AND DISCRETION; AND (C) ALL SUCH LOANS SHALL BE AND
REMAIN SUBJECT TO THE TERMS AND CONDITIONS OF THIS AGREEMENT.

TERM. This Agreement shall be effective as of September 1, 2005, and shall
continue in full force and effect until such time as all of Borrower's Loans In
favor of Lender have been paid in full, including principal, interest, costs,
expenses, attorneys' fees, and other fees and charges, or until August 31, 2006.

CONDITIONS PRECEDENT TO EACH ADVANCE. Lender's obligation to make the initial
Advance and each subsequent Advance under this Agreement shall be subject to the
fulfillment to Lender's satisfaction of all of the conditions set forth in this
Agreement and in the Related Documents.

     LOAN DOCUMENTS. Borrower shall provide to Lender the following documents
     for the Loan: (1) the Note; (2) Security Agreements granting to Lender
     security Interests in the Collateral; (3) financing statements and all
     other documents perfecting Lender's Security Interests; (4) evidence of
     insurance as required below; (5) together with all such Related Documents
     as Lender may require for the Loan; all in form and substance satisfactory
     to Lender end Lender's counsel.

     BORROWER'S AUTHORIZATION. Borrower shall have provided in form and
     substance satisfactory to Lender properly certified resolutions, duly
     authorizing the execution and delivery of this Agreement, the Note and the
     Related Documents. In addition, Borrower shall have provided such other
     resolutions, authorizations, documents and instruments as Under or Its
     counsel, may require.

     PAYMENT OF FEES AND EXPENSES. Borrower shall have paid to Lender all fees,
     charges, and other expenses which are then due and payable as specified In
     this Agreement or any Related Document.

     REPRESENTATIONS AND WARRANTIES. The representations and warranties set
     forth in this Agreement, in the Related Documents, and in any document or
     certificate delivered to Lender under this Agreement are true and correct.

     No EVENT OF DEFAULT. There shall not exist at the time of any Advance a
     condition which would constitute an Event of Default under this Agreement
     or under any Related Document.

REPRESENTATIONS AND WARRANTIES. Borrower represents and warrants to Lender, as
of the date of this Agreement, as of the date of each disbursement of loan
proceeds, as of the date of any renewal, extension or modification of any Loan,
and at all times any Indebtedness exists:

     ORGANIZATION. Borrower Is a corporation for profit which is, and at all
     times shall be, duly organized, validly existing, and in good standing
     under and by virtue of the laws of the State of Arkansas. Borrower is duly
     authorized to transact business in all other states in which Borrower is
     doing business, having obtained all necessary filings, governmental
     licenses and approvals for each state in which Borrower is doing business.
     Specifically, Borrower is, and at all times shall be, duly qualified as a
     foreign corporation In all states in which the failure to so qualify would
     have a material adverse effect on Its business or financial condition.
     Borrower has the full power and authority to own its properties and to
     transact the business in which it Is presently engaged or presently
     proposes to engage. Borrower maintains an office at 719 Harkrider St. Suite
     300, Conway, AR 72032. Unless Borrower has designated otherwise in writing,
     the principal office is the office at which Borrower keeps its books and
     records including its records concerning the Collateral. Borrower will
     notify Lender prior to any change In the location of Borrower's state of
     organization or any change in Borrower's name, Borrower shall do all things
     necessary to preserve and to keep in full force and effect its existence,
     rights and privileges, and shall comply with all regulations, rules,
     ordinances, statutes, orders and decrees of any governmental or
     quasi-governmental authority or court applicable to Borrower and
     Borrower's business activities.

     ASSUMED BUSINESS NAMES. Borrower has filed or recorded all documents or
     filings required by law relating to all assumed business names used by
     Borrower. Excluding the name of Borrower, the following is a complete list
     of all assumed business names under which Borrower does business: NONE,

     AUTHORIZATION. Borrower's execution, delivery, and performance of this
     Agreement and all the Related Documents have been duly authorized by all
     necessary action by Borrower and do not conflict with, result in a
     violation of, or constitute a default under (1) any provision of (a)
     Borrower's articles of incorporation or organization, or bylaws, or (b) any
     agreement or other instrument binding upon Borrower or (2) any law,
     governmental regulation, court decree, or order applicable to Borrower or
     to Borrower's properties.

     FINANCIAL INFORMATION. Each of Borrower's financial statements supplied to
     Lender truly and completely disclosed Borrower's financial condition as of
     the date of the statement, and there has been no material adverse change in
     Borrower's financial condition subsequent to the date of the most recent
     financial statement supplied to Lender, Borrower has no material contingent
     obligations except as disclosed in such financial statements.

     LEGAL EFFECT. This Agreement constitutes, and any Instrument or agreement
     Borrower is required to give under this Agreement when delivered will
     constitute legal, valid, and binding obligations of Borrower enforceable
     against Borrower in accordance with their respective terms.

     PROPERTIES. Except as contemplated by this Agreement or as previously
     disclosed In Borrower's financial statements or in writing to Lender and as
     accepted by Lender, and except for property tax liens for taxes not
     presently due and payable. Borrower owns and has good title to all of
     Borrower's properties free and clear of all Security Interests, and has not
     executed any security documents or financing statements relating to such
     properties. All of Borrower's properties are titled in Borrower's legal
     name, and Borrower has not used or filed a financing statement under any
     other name for at least the last five (5) years.

     HAZARDOUS SUBSTANCES. Except as disclosed to and acknowledged by Lender in
     writing, Borrower represents and warrants that: (1) During the period of
     Borrower's ownership of the Collateral, there has been no use, generation,
     manufacture, storage, treatment, disposal, release or threatened release of
     any Hazardous Substance by any person on, under, about or from any of the
     Collateral. (2) Borrower has no knowledge of, or reason to believe that
     there has been (a) any breach or violation of any Environmental Laws; (b)
     any use, generation, manufacture, storage, treatment, disposal, release or
     threatened release of any Hazardous Substance on, under, about or, from the
     Collateral by any prior owners or occupants of any of the Collateral; or
     (c) any actual or threatened litigation or claims of any kind by any person
     relating to such matters. (3) Neither Borrower nor any tenant, contractor,
     agent or other authorized user of any of the Collateral shall use,
     generate, manufacture, store, treat, dispose of or release any Hazardous
     Substance on, under, about or from any of the Collateral; and any such
     activity shall be conducted in compliance with all applicable federal,
     state, and local laws, regulations, and ordinances, including without
     limitation all Environmental Laws. Borrower authorizes Lender and its
     agents to enter upon the Collateral to make such inspections and tests as
     Lender may deem appropriate to determine compliance of the Collateral with
     this section of the Agreement. Any inspections or tests made by Lender
     shall be at Borrower's expense end for Lender's purposes only and shall not
     be construed to create any responsibility or liability on the part of
     Lender to Borrower or to any other person. The representations and
     warranties contained herein are based on Borrower's due diligence in
     investigating the Collateral for hazardous waste and Hazardous Substances.
     Borrower hereby (1) releases and waives any future claims against Lender
     for indemnity or contribution in the event Borrower becomes liable for
     cleanup or other costs under any such laws, and (2) agrees to indemnify and
     hold harmless Lender against any and all claims, losses, liabilities,
     damages, penalties, and expenses which Lender may directly or indirectly
     sustain or suffer resulting from a breach of this section of the Agreement
     or as a consequence of any use, generation, manufacture, storage, disposal,
     release or threatened release of a hazardous waste or substance on the
     Collateral. The provisions of this section of the Agreement, including the
     obligation to indemnify, shall survive the payment of the Indebtedness and
     the termination, expiration or satisfaction of this Agreement and shall not
     be affected by Lender's acquisition of any interest in any of the
     Collateral, whether by foreclosure or otherwise.

     LITIGATION AND CLAIMS. No litigation, claim, investigation, administrative
     proceeding or similar action (including those for unpaid taxes) against
     Borrower is pending or threatened, and no other event has occurred which
     may materially adversely affect Borrower's financial condition or
     properties, other than litigation, claims, or other events, if any, that
     have been disclosed to and acknowledged by Lender in

<PAGE>

                             BUSINESS LOAN AGREEMENT
LOAN NO: 30030036                 (CONTINUED)                             PAGE 3

default under the terms of this Agreement or any of the Related Documents or any
other agreement that Borrower or any Guarantor has with Lender; (B) Borrower or
any Guarantor dies, becomes incompetent or becomes insolvent, files a petition
in bankruptcy or similar proceedings, or is adjudged a bankrupt; (C) there
occurs a material adverse change in Borrower's financial condition, in the
financial condition of any Guarantor, or in the value of any Collateral securing
any Loan; or (D) any Guarantor seeks, claims or otherwise attempts to limit,
modify or revoke such Guarantor's guaranty of the Loan or any other loan with
Lender.

RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a
right of setoff in all Borrower's accounts with Lender (whether checking,
savings, or some other account). This includes all accounts Borrower may open in
the future. However, this does not include any IRA or Keogh accounts, or any
trust accounts for which setoff would be prohibited by law. Borrower authorizes
Lender, to the extent permitted by applicable law, to charge or setoff all sums
owing on the Indebtedness against any and all such accounts, and, at Lender's
option, to administratively freeze all such accounts to allow Lender to protect
Lender's charge and setoff rights provided in this paragraph.

DEFAULT. Each of the following shall constitute an Event of Default under this
Agreement:

     PAYMENT DEFAULT. Borrower fails to make any payment when due under the
     Loan.

     OTHER DEFAULTS. Borrower fails to comply with or to perform any other term,
     obligation, covenant or condition contained in this Agreement or in any of
     the Related Documents or to comply with or to perform any term, obligation,
     covenant or condition contained in any other agreement between Lender and
     Borrower.

     DEFAULT IN FAVOR OF THIRD PARTIES. Borrower or any Grantor 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 or any Grantor's property or
     Borrower's or any Grantor's ability to repay the Loans or perform their
     respective obligations under this Agreement or any of the Related
     Documents.

     FALSE STATEMENTS. Any warranty, representation or statement made or
     furnished to Lender by Borrower or on Borrower's behalf under this
     Agreement or the Related Documents is false or misleading in any material
     respect, either now or at the time made or furnished or becomes false or
     misleading at any time thereafter.

     INSOLVENCY. The dissolution or termination of Borrower's existence as a
     going business, the insolvency of Borrower, the appointment of a receiver
     for any part of Borrower's property, any assignment for the benefit of
     creditors, any type of creditor workout, or the commencement of any
     proceeding under any bankruptcy or insolvency laws by or against Borrower.

     DEFECTIVE COLLATARALIZATION. This Agreement or any of the Related Documents
     ceases to be in full force and effect (including failure of any collateral
     document to create a valid and perfected security interest or lien) at any
     time end for any reason.

     CREDITOR OR FORFEITURE PROCEEDING. Commencement of foreclosure or
     forfeiture proceedings, whether by judicial proceeding, self-help,
     repossession or any other method, by any creditor of Borrower or by any
     governmental agency against any collateral securing the Loan. This includes
     a garnishment of any of Borrower's accounts, including deposit accounts,
     with Lender. However, this Event of Default shall not apply if there is a
     good faith dispute by Borrower as to the validity or reasonableness of the
     claim which is the basis of the creditor or forfeiture proceeding and if
     Borrower gives Lender written notice of the creditor or forfeiture
     proceeding and deposits with Lender monies or a surety bond for the
     creditor or forfeiture proceeding, in an amount determined by Lender, in
     its sole discretion, as being an adequate reserve or bond for the dispute.

     EVENTS AFFECTING GUARANTOR. Any of the preceding events occurs with respect
     to any Guarantor of any of the Indebtedness or any Guarantor dies or
     becomes incompetent, or revokes or disputes the validity of, or liability
     under, any Guaranty of the Indebtedness. In the event of a death, Lender,
     at its option, may, but shall not be required to, permit the Guarantor's
     estate to assume unconditionally the obligations arising under the guaranty
     in a manner satisfactory to Lender, and, in doing so, cure any Event of
     Default.

     CHANGE IN OWNERSHIP. Any change in ownership of twenty-five percent (25%)
     or more of the common stock of Borrower.

     ADVERSE CHANGE. A material adverse change occurs in Borrower's financial
     condition, or Lender believes the prospect of payment or performance of the
     Loan is impaired.

     RIGHT TO CURE. If any default, other than a default on Indebtedness, is
     curable and if Borrower or Grantor, as the case may be, has not been given
     a notice of a similar default within the preceding twelve (12) months, it
     may be cured if Borrower or Grantor, as the case may be, after receiving
     written notice from Lender demanding cure of such default: (1) cure the
     default within fifteen (15) days; or (2) if the cure requires more than
     fifteen (15) days, immediately initiate steps which Lender deems In
     Lender's sole discretion to be sufficient to cure the default and
     thereafter continue and complete all reasonable and necessary steps
     sufficient to produce compliance as soon as reasonably practical.

EFFECT OF AN EVENT OF DEFAULT. If any Event of Default shall occur, except where
otherwise provided In this Agreement or the Related Documents, all commitments
and obligations of Lender under this Agreement or the Related Documents or any
other agreement Immediately will terminate (including any obligation to make
further Loan Advances or disbursements), and, at Lender's option, all
Indebtedness immediately will become due and payable, all without notice of any
kind to Borrower, except that in the case of an Event of Default of the type
described in the "Insolvency" subsection above, such acceleration shall be
automatic and not optional. In addition, Lender shall have all the rights and
remedies provided in the Related Documents or available at law, in equity, or
otherwise. Except as may be prohibited by applicable law, all of Lender's rights
and remedies shall be cumulative and may be exercised singularly or
concurrently. Election by Lender to pursue any remedy shall not exclude pursuit
of any other remedy, and an election to make expenditures or to take action to
perform an obligation of Borrower or of any Grantor shall not affect Lender's
right to declare a default and to exercise its rights and remedies.

OTHER REQUIREMENTS: Capital - Borrower and Pledged Bank shall maintain at all
times a "Well Capitalized" rating as required by any applicable regulatory
authority as such requirement may be revised from time to time; provided,
however, Borrower shall maintain a consolidated leverage ratio (Tier 1 Capital
to tangible assets) of not less that 7.00% as calculated from their respective
12/31/04 Call Report and subsequent quarterly Call Reports thereafter; Borrower
to have an annualized return on average assets ("ROA") as of the date of all
financial reports required by regulatory authorities of not less that 60/100th's
of one percent (.60%); Borrower on a consolidated basis and Pledged Bank's
non-performing loans (those 90 days or more past due plus those on non-accrual
plus those which have been renegotiated as defined by regulatory authorities)
shall not exceed two and one-quarter percent (2.25%) of total loans as of the
date of all financial reports as required by regulatory authorities.

EXCLUSION FROM INDEBTEDNESS. Excluded from Indebtedness shall be any
indebtedness governed by the Federal Truth in Lending Act.

MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of
this Agreement:

     AMENDMENTS. This Agreement, together with any Related Documents,
     constitutes the entire understanding and agreement of the parties as to the
     matters set forth In this Agreement. No alteration of or amendment to this
     Agreement shall be effective unless given in writing and signed by the
     party or parties sought to be charged or bound by the alteration or
     amendment.

     ATTORNEYS' FEES; EXPENSES. Borrower agrees to pay upon demand all of
     Lender's costs and expenses, including Lender's attorneys' fees and
     Lender's legal expenses, incurred in connection with the enforcement of
     this Agreement. Lender may hire or pay someone else to help enforce this
     Agreement, and Borrower shall pay the costs and expenses of such
     enforcement. Costs and expenses include Lender's attorneys' fees and 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. Borrower also shall pay all court costs
     and such additional fees as may be directed by the court.

     CAPTION HEADING. Caption headings in this Agreement are for convenience
     purposes only and are not to be used to interpret or define the provisions
     of this Agreement.

     CONSENT TO LOAN PARTICIPATION. Borrower agrees and consents to Lender's
     sale or transfer, whether now or later, of one or more participation
     interests in the Loan to one or more purchasers, whether related or
     unrelated to Lender. Lender may provide, without any limitation whatsoever,
     to any one or more purchasers, or potential purchasers, any information or
     knowledge Lender may have about Borrower or about any other matter relating
     to the Loan, and Borrower hereby waives any rights to privacy Borrower may
     have with respect to such matters. Borrower additionally waives any and all
     notices of sale of participation interests, as well as all notices of any
     repurchase of such participation interests. Borrower also agrees that the
     purchasers of any such participation interests will be considered as the
     absolute owners of such interests in the Loan and will have all the rights
     granted under the participation agreement or agreements governing the sale
     of such participation interests. Borrower further waives all rights of
     offset or counterclaim that it may have now or later against Lender or
     against any purchaser of such a participation interest and unconditionally
     agrees that either Lender or such purchaser may enforce Borrower's
     obligation under the Loan irrespective of the failure or insolvency of any
     holder of any interest in the Loan. Borrower further agrees that the
     purchaser of any such participation interests may enforce its interests
     irrespective of any personal claims or defenses that Borrower may have
     against Lender.

     NO WAIVER BY LENDER. Lender shall not be deemed to have waived any rights
     under this Agreement unless such waiver is given in writing and signed by
     Lender. No delay or omission on the part of Lender in exercising any right
     shall operate as a waiver of such right or any

<PAGE>

                             BUSINESS LOAN AGREEMENT
LOAN NO: 30030036                 (CONTINUED)                             PAGE 4

     other right. A waiver by Lender of a provision of this Agreement shall not
     prejudice or constitute a waiver of Lender's right otherwise to demand
     strict compliance with that provision or any other provision of this
     Agreement. No prior waiver by Lender, nor any course of dealing between
     Lender and Borrower, or between Lender and any Grantor, shall constitute a
     waiver of any of Lender's rights or of any of Borrower's or any Grantor's
     obligations as to any future transactions. Whenever the consent of Lender
     is required under this Agreement, the granting of such consent by Lender in
     any instance shall not constitute continuing consent to subsequent
     instances where such consent is required and in all cases such consent may
     be granted or withheld in the sole discretion of Lender.

     NOTICES. Any notice required to he given under this Agreement shall be
     given in writing, and shall be effective when actually delivered, when
     actually received by telefacsimile (unless otherwise required by law),
     when deposited with a nationally recognized overnight courier, or, if
     mailed, when deposited in the United States mail, as first class, certified
     or registered mail postage prepaid, directed to the addresses shown near
     the beginning of this Agreement. Any party may change its address for
     notices under this Agreement by giving formal written notice to the other
     parties, specifying that the purpose of the notice is to change the party's
     address. For notice purposes, Borrower agrees to keep Lender informed at
     all times of Borrower's current address. Unless otherwise provided or
     required by law, if there is more than one Borrower, any notice given by
     Lender to any Borrower is deemed to be notice given to all Borrowers.

     SEVERABILITY. If a court of competent jurisdiction finds any provision of
     this Agreement to be Illegal, invalid, or unenforceable as to any
     circumstance, that finding shall not make the offending provision illegal,
     invalid, or unenforceable as to any other circumstance. If feasible, the
     offending provision shall be considered modified so that it becomes legal,
     valid and enforceable. If the offending provision cannot be so modified, it
     shall be considered deleted from this Agreement. Unless otherwise required
     by law, the illegality, invalidity, or unenforceability of any provision of
     this Agreement shall not affect the legality, validity or enforceability of
     any other provision of this Agreement.

     SUBSIDIARIES AND AFFILIATES OF BORROWER. To the extent the context of any
     provisions of this Agreement makes it appropriate, including without
     limitation any representation, warranty or covenant, the word "Borrower" as
     used in this Agreement shall include all of Borrower's subsidiaries and
     affiliates. Notwithstanding the foregoing however, under no circumstances
     shall this Agreement be construed to require Lender to make any Loan or
     other financial accommodation to any of Borrower's subsidiaries or
     affiliates.

     SUCCESSORS AND ASSIGNS. All covenants and agreements by or on behalf of
     Borrower contained in this Agreement or any Related Documents shall bind
     Borrower's successors and assigns and shall inure to the benefit of Lender
     and its successors and assigns. Borrower shall not, however, have the right
     to assign Borrower's rights under this Agreement or any interest therein,
     without the prior written consent of Lender.

     SURVIVAL OF REPRESENTATIONS AND WARRANTIES. Borrower understands and agrees
     that In extending Loan Advances, Lender is relying on all representations,
     warranties, and covenants made by Borrower In this Agreement or in any
     certificate or other Instrument delivered by Borrower to Lender under this
     Agreement or the Related Documents. Borrower further agrees that regardless
     of any Investigation made by Lender, all such representations, warranties
     and covenants will survive the extension of Loan Advances and delivery to
     Lender of the Related Documents, shall be continuing in nature, shall be
     deemed made and redated by Borrower at the time each Loan Advance is made,
     and shall remain In full force and effect until such time as Borrower's
     Indebtedness shall be paid in full, or until this Agreement shall be
     terminated in the manner provided above, whichever is the last to occur.

     TIME IS OF THE ESSENCE. Time is of the essence in the performance of this
     Agreement.

     WAIVE JURY. ALL PARTIES TO THIS AGREEMENT HEREBY WAIVE THE RIGHT TO ANY
     JURY TRIAL IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM BROUGHT BY ANY PARTY
     AGAINST ANY OTHER PARTY.

DEFINITIONS. The following capitalized words and terms shall have the following
meanings when used in this Agreement. Unless specifically stated to the
contrary, all references to dollar amounts shall mean amounts in lawful money of
the United States of America. Words and terms used in the singular shall include
the plural, and the plural shall include the singular, as the context may
require. Words end terms not otherwise defined in this Agreement shall have the
meanings attributed to such terms in the Uniform Commercial Code. Accounting
words and terms not otherwise defined in this Agreement shall have the meanings
assigned to them in accordance with generally accepted accounting principles as
in effect on the date of this Agreement:

     ADVANCE. THE word "Advance" means a disbursement of Loan funds made, or to
     be made, to Borrower or on Borrower's behalf on a line of credit or
     multiple advance basis under the terms and conditions of this Agreement.

     AGREEMENT. The word "Agreement" means this Business Loan Agreement, as this
     Business Loan Agreement may be amended or modified from time to time,
     together with all exhibits and schedules attached to this Business Loan
     Agreement from time to time.

     BORROWER. The word "Borrower" means Home Bancshares, Inc. and includes all
     co-signers and co-makers signing the Note.

     COLLATERAL. THE word "Collateral" means all property and assets granted as
     collateral security for a Loan, whether real or personal property, whether
     granted directly or indirectly, whether granted now or In the future, and
     whether granted in the form of A security interest, mortgage, collateral
     mortgage, deed of trust, assignment, pledge, crop pledge, chattel mortgage,
     collateral chattel mortgage, chattel trust, factor's lien, equipment trust,
     conditional sale, trust receipt, lien, charge, lien or title retention
     contract, lease or consignment intended as a security device, or any other
     security or lien interest whatsoever, whether created by law, contract, or
     otherwise.

     ENVIRONMENTAL LAWS. The words "Environmental Laws" mean any and all state,
     federal and local statutes, regulations and ordinances relating to the
     protection of human health or the environment, Including without limitation
     the Comprehensive Environmental Response, Compensation, and Liability Act
     of 1980, as amended, 42 U.S.C. Section 9601, et seq. ("CERCLA"), the
     Superfund Amendments and Reauthorization Act of 1986, Pub. L. No. 99-499
     ("SARA"), the Hazardous Materials Transportation Act, 49 U.S.C. Section
     1801, et seq., the Resource Conservation and Recovery Act, 42 U.S.C.
     Section 6901, et seq., the Hazardous Waste Management Substances Act of
     1998, T.C.A., 68-212-201, et seq., or other applicable state or federal
     laws, rules, or regulations adopted pursuant thereto.

     EVENT OF DEFAULT. The words "Event of Default" mean any of the events of
     default set forth in this Agreement in the default section of this
     Agreement.

     GAAP. The word "GAAP" means generally accepted accounting principles.

     GRANTOR. The word "Grantor" means each and all of the persons or entities
     granting a Security Interest in any Collateral for the Loan, including
     without limitation all Borrowers granting such a Security Interest.

     GUARANTOR. The word "Guarantor" means any guarantor, surety, or
     accommodation party of any or all of the Loan.

     GUARANTY. The word "Guaranty" means the guaranty from Guarantor to Lender,
     including without limitation a guaranty of all or part of the Note.

     HAZARDOUS SUBSTANCES. The words "Hazardous Substances" moan materials that,
     because of their quantity, concentration or physical, chemical or
     Infectious characteristics, may cause or pose a present or potential hazard
     to human health or the environment when improperly used, treated, stored,
     disposed of, generated, manufactured, transported or otherwise handled. The
     words "Hazardous Substances" are used in their very broadest sense and
     include without limitation any and all hazardous or toxic substances,
     materials or waste as defined by or listed under the Environmental Laws.
     The term "Hazardous Substances" also Includes, without limitation,
     petroleum and petroleum by-products or any fraction thereof and asbestos.

     INDEBTEDNESS. The word "Indebtedness" means the indebtedness evidenced by
     the Note or Related Documents, including all principal and expenses for
     which Borrower is responsible under this Agreement or under any of the
     Related Documents.

     LENDER. The word "Lender" means First Tennessee Bank National Association,
     its successors and assigns.

     LOAN. The word "Loan" means any and all loans and financial accommodations
     from Lender to Borrower whether now or hereafter existing, and however
     evidenced, including without limitation those loans and financial
     accommodations described herein or described on any exhibit or schedule
     attached to this Agreement from time to time.

     NOTE. The word "Note" means the Note executed by Home Bancshares, Inc. in
     the principal amount of $30,000,000.00 dated September 1, 2005, together
     with all renewals of, extensions of, modifications of, refinancings of,
     consolidations of, and substitutions for the note or credit agreement.

     RELATED DOCUMENTS. The words "Related Documents" mean all promissory notes,
     credit agreements, loan agreements, environmental agreements, guaranties,
     security agreements, mortgages, deeds of trust, security deeds, collateral
     mortgages, and all other instruments, agreements and documents, whether now
     or hereafter existing, executed in connection with the Loan.

     SECURITY AGREEMENT. The words "Security Agreement" mean and include without
     limitation any agreements, promises, covenants, arrangements,
     understandings or other agreements, whether created by law, contract, or
     otherwise, evidencing, governing, representing, or creating a Security
     Interest.

     SECURITY INTEREST. The words "Security Interest" mean, without limitation,
     any and all types of collateral security, present and future,

<PAGE>

                             BUSINESS LOAN AGREEMENT
LOAN NO: 30030036                 (CONTINUED)                             PAGE 5

     whether in the form of a lien, charge, encumbrance, mortgage, deed of
     trust, security deed, assignment, pledge, crop pledge, chattel mortgage,
     collateral chattel mortgage, chattel trust, factor's lien, equipment trust,
     conditional sale, trust receipt, lien or title retention contract, lease or
     consignment Intended as a security device, or any other security or lien
     interest whatsoever whether created by law, contract, or otherwise.

BORROWER ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS BUSINESS LOAN
AGREEMENT AND BORROWER AGREES TO ITS TERMS. THIS BUSINESS LOAN AGREEMENT IS
DATED SEPTEMBER 1, 2005.

BORROWER:

HOME BANCSHARES, INC.

BY: /s/ RANDY MAYOR
    -----------------------------------------------
    Randy Mayor, Treasurer of Home Bancshares, Inc.

LENDER:

FIRST TENNESSEE BANK NATIONAL ASSOCIATION

BY:
    -----------------------------------------------
    AUTHORIZED SIGNER<PAGE>
                                                                    Exhibit 10.8

                          INTERACTIVE DATA CORPORATION
                          2000 LONG-TERM INCENTIVE PLAN
                            OPTION GRANT CERTIFICATE
                           (NON-EXECUTIVE LEVEL GRANT)
                          (NON QUALIFIED STOCK OPTION)

     This Option Grant Certificate, together with the summary of grant award
(the "Grant Summary"), evidences the grant by Interactive Data Corporation (the
"Company") on the date (the "Grant Date") that appears on the Grant Summary
presented to the individual (the "Grantee") whose name appears on the Grant
Summary, of an Option to purchase, in whole or in part, the specific number of
shares of Stock set forth on the Grant Summary (at the exercise price, vesting
schedule and other terms set forth therein), pursuant to the provisions of the
2000 Long-Term Incentive Plan (the "Plan") and on the terms and conditions set
forth below. Capitalized terms used herein and not defined herein shall have the
meanings ascribed thereto in Section 4 of this Certificate or the Plan.

     The Option evidenced by this Option Grant Certificate is not intended to be
an incentive stock option as defined in Section 422 of the Internal Revenue Code
of 1986, as amended, and any regulations promulgated thereunder (the "Code").

     Except as otherwise indicated by the context, the term "Grantee", as used
in connection with this Option Grant Certificate, shall be deemed to include any
person who acquires the right to exercise the Option validly under its terms.

1.   Vesting in the Event of a Change in Control.

     (i)  Notwithstanding the vesting schedule set forth on the Grant Summary,
any unvested Options shall automatically vest and become exercisable immediately
upon termination of the Grantee's employment with the Company and its
Subsidiaries (the "Company Group") by the Company Group (other than for Cause)
within one (1) year following a Change in Control.

     (ii) In addition, notwithstanding the vesting schedule set forth on the
Grant Summary, any unvested portion of the Option shall automatically vest and
become exercisable immediately prior to the occurrence of a Change in Control
if, in connection with the Change in Control, shares of Stock will no longer be
listed on a recognized national securities exchange; provided, however, in the
event that in connection with such a Change in Control, the holders of Stock
will receive a cash payment for each share of Stock surrendered pursuant to such
transaction (the "Acquisition Price"), then the Committee may instead provide
that all outstanding Options shall terminate upon consummation of such
transaction and that the Grantee shall receive, in exchange therefore, a cash
payment equal to the amount (if any) by which (x) the Acquisition Price
multiplied by the number of shares of Stock subject to such outstanding Options
(whether or not then exercisable), exceeds (y) the aggregate exercise price of
such Options.

2.   Termination of Option. The Option shall terminate and no longer be
exercisable on and after the 10th anniversary of the Grant Date (the "Grant
Expiration Date") or such earlier times as described in the Plan or this Option
Grant Certificate. Notwithstanding the forgoing, if the Grant Expiration Date
falls on a date that the primary market on which the Company's stock trades is

<PAGE>

closed, the Grant Expiration Date shall be the last trading date immediately
preceding the 10th anniversary of the Grant Date.

3.   Termination of Employment.

     (i)  Termination for Cause. If the Grantee's employment with the Company
Group is terminated by the Company Group for Cause, the Option (whether or not
vested) shall be cancelled immediately and no longer be exercisable.

     (ii) Retirement; Job Elimination. Upon the Grantee's Retirement or Job
Elimination, provided that the Grantee signs an agreement and release
satisfactory to the Company, the Option (a) shall immediately vest in full, and
(b) shall remain exercisable by the Grantee in accordance with the Plan and this
Option Grant Certificate until the earlier of (x) 90 days following the date of
the Grantee's termination of employment and (y) the Grant Expiration Date,
following which the Option shall terminate immediately and no longer be
exercisable.

     (iii) Death. Upon the Grantee's death, provided that the Grantee's estate
or designated beneficiary signs an agreement and release satisfactory to the
Company the Option (a) shall immediately vest in full, and (b) shall remain
exercisable by the Grantee's or designated beneficiary in accordance with the
Plan and this Option Grant Certificate until the earlier of (x) one year
following the Grantee's death and (y) the Grant Expiration Date, following which
the Option shall terminate immediately and no longer be exercisable.

     (iv) Resignation; Termination without Cause. Upon the Grantee's resignation
or the termination of the Grantee's employment by the Company Group for any
reason other than Cause, or as a result of a Job Elimination or Retirement, (a)
the unvested portion of the Option shall be cancelled immediately and no longer
be exercisable and (b) the vested portion of the Option shall remain exercisable
by the Grantee in accordance with the Plan and this Option Grant Certificate
until the earlier of (x) 90 days following the date of the Grantee's termination
of employment with the Company Group and (y) the Grant Expiration Date,
following which the Option shall terminate immediately and no longer be
exercisable.

4.   Defined Terms. For purposes of this Option Grant Certificate the following
terms shall have the meanings ascribed below.

     (i)  Cause. "Cause" shall mean (i) the Grantee's material breach of any
term of any agreement with the Company Group, including without limitation any
violation of confidentiality and/or non-competition agreements; (ii) the
Grantee's conviction for any act of fraud, theft, criminal dishonesty, or any
felony; (iii) the Grantee's engagement in illegal conduct, gross misconduct, or
act involving moral turpitude which is materially and demonstrably injurious to
the Company Group; or (iv) the Grantee's willful failure (other than any such
failure resulting from incapacity due to physical or mental illness), which
failure is not cured within 30 days of written notice to the Grantee from the
Company Group, to perform his or her reasonably assigned material
responsibilities to the Company Group. For purposes of (iv), no act or failure
to act by the Grantee shall be considered "willful" unless it is done, or
omitted to be done, in bad faith and without reasonable belief that the
Grantee's action or omission was in the best interests of the Company Group.

<PAGE>

     (ii) Change in Control. "Change in Control" shall mean the occurrence of
any of the following events at any time after the Grant Date:

     (a)  The acquisition by any individual, entity or group (within the meaning
          of Sections 13(d) and 14(d) of the Securities Exchange Act of 1934, as
          amended (the "Exchange Act") or any successor provisions thereto) of
          beneficial ownership (as defined in Rule 13d-3 of the Exchange Act or
          any successor provision thereto), directly or indirectly, of
          securities of the Company representing more than 50% of the combined
          voting power of the Company's then outstanding voting securities;
          provided, however, that for purposes of this subsection (i), the
          following acquisitions shall be disregarded: (x) any acquisition by
          any employee benefit plan (or related trust) sponsored or maintained
          by the Company or any corporation controlled by the Company, (y) any
          acquisition by a corporation owned directly or indirectly by the
          stockholders of the Company in substantially the same proportions as
          their ownership of stock of the Company, or (z) any acquisition by
          Pearson plc ("Pearson");

     (b)  The consummation of a merger, consolidation, or reorganization of the
          Company with or involving any other entity or the sale or other
          disposition of all or substantially all of the Company's assets (any
          of these events being a "Business Combination"), unless, immediately
          following such Business Combination, at least one of the following
          conditions is satisfied:

          (x)  all or substantially all of the individuals and entities who were
               the beneficial owners of the outstanding voting securities of the
               Company immediately prior such Business Combination beneficially
               own, directly or indirectly, at least 50% of the combined voting
               power of the voting securities of the resulting or acquiring
               entity in such Business Combination (which shall include, without
               limitation, a corporation which as a result of such Business
               Combination owns the Company or substantially all of the
               Company's assets either directly or through one or more
               subsidiaries) (such resulting or acquiring entity is referred to
               herein as the "Surviving Entity") in substantially the same
               proportions as their ownership of the outstanding voting
               securities of the Company immediately prior to such Business
               Combination, or

          (y)  Pearson beneficially owns, directly or indirectly, 50% or more of
               the combined voting power of the then-outstanding voting
               securities of the Surviving Entity; or

     (c)  The stockholders of the Company approve a plan of complete liquidation
          of the Company.

Notwithstanding the foregoing, a Change in Control will not be deemed to have
occurred with respect to the Grantee if the Grantee is part of a purchasing
group that consummates the Change in Control transaction. The Grantee shall be
deemed "part of a purchasing group" for purposes

<PAGE>

of the preceding sentence if the Grantee is either directly or indirectly an
equity Grantee in the purchasing group (except for (A) passive ownership of less
than 3% of the stock of the purchasing group, or (B) ownership of equity
participating in the purchasing group which is otherwise not significant, as
determined prior to the Change in Control by the Committee).

     (iii) Job Elimination. "Job Elimination" shall mean termination of the
Grantee's employment with the Company Group as a result of a reduction in force,
job elimination, redundancy or similar event pursuant to which the Grantee is
eligible for benefits under the Company Group's severance policy, program or
practice applicable to the Grantee.

     (iv) Retirement. "Retirement" shall mean termination of the Grantee's
employment with the Company Group on or after the date the Grantee has attained
age 55 and has a combined age plus years of service with the Company Group equal
to at least 75 years.

5.   Assignment of Company's Rights and Obligations. Except as provided in
Section 1 (ii) above, in the event of a Change in Control, the Company shall
assign this Option Grant Certificate and the related Grant Summary and all of
its rights and obligations thereunder to the acquiring or surviving entity, such
entity shall assume in writing all of the obligations of the Company relative to
the Option, and the Company (in the event and so long as it remains in business
as a going concern) shall remain liable for the performance of its obligations
thereunder in the event of a failure of the acquiring entity to perform its
obligations thereunder.

6.   Acquired Rights. The award of the Option: (i) does not form part of the
Grantee's contract of employment (if any); (ii) does not constitute a contract
of employment; and (iii) does not entitle the Grantee to any benefits other than
those granted under the Plan. Benefits granted under the Plan are not part of
the Grantee's ordinary salary, and shall not be considered part of such salary
for pension purposes or in the event of severance, redundancy or resignation. If
the Grantee's employment is terminated for any reason, the Grantee agrees that
he or she shall not be entitled to any sum, shares or other benefit intended to
compensate the Grantee for the loss or diminution in value of any actual or
prospective rights, benefits or expectations under or in relation to the Plan.

7.   Data Protection. To the extent reasonably necessary to administer the Plan:
(i) the Company may process personal data about the Grantee, including, but not
limited to (a) information concerning the Option grant and any changes hereto,
(b) other personal and financial data about the Grantee, and (c) information
about the Grantee's participation in the Plan and shares exercised under the
Plan from time to time; and (ii) the Grantee gives explicit consent to the
Company to (a) process any such personal data, and (b) transfer any such
personal data outside the country in which the Grantee lives, works or is
employed, including, without limitation, to the Company and any of its
subsidiaries and agents, including the outside stock plan administrator as
selected by the Company from time to time, and any other person the Company may
deem appropriate in its administration of the Plan. The Grantee has the right to
access and correct personal data by contacting a local Human Resources
Representative. The transfer of the information outlined here is important to
the administration of the Plan and failure to consent to the transmission of
such information may limit or prohibit the Grantee from participating in the
Plan.

<PAGE>

8.   Access to Plan/Incorporation by Reference. The Grantee hereby acknowledges
that he/she has access to a copy of the Plan as presently in effect. The text
and all of the terms and provisions of the Plan, as amended from time to time,
are incorporated herein by reference, and the Option is subject to such terms
and provisions in all respects.

9.   Exercise of Option / Tax Withholding.

     (i)  Form of Exercise. At any time when the Grantee wishes to exercise the
Option, in whole or in part, the Grantee shall transmit to the Company or its
agent notice of exercise in such form as the Committee may determine from time
to time. Each election to exercise the Option shall specify that it relates to
this Option Grant Certificate and to the related Grant Summary. The notice of
exercise must be delivered in accordance with the rules and regulations
determined by the Company and the plan administrator from time to time which may
include an obligation to deliver the notice prior to a specified time on the
Grant Expiration Date. The rules and regulations are available from the
Grantee's applicable human resources contact. The Grantee may purchase less than
the number of shares covered hereby, provided that no partial exercise of the
Option may be for any fractional share.

     (ii) Payment of Exercise Price and Tax Withholding. As a condition to
exercise, the Grantee shall remit to the Company the exercise price in cash or
in such other form as permitted under the Plan, plus an amount sufficient to
satisfy any withholding tax obligation of the Company that may arise in
connection with such exercise (or make provision satisfactory to the Company for
the payment of any such withholding obligation). Notwithstanding the foregoing,
in the event a Grantee's applicable tax rate is not readily determinable on the
date of exercise of the Option, a tax withholding shall be withheld from the
proceeds due such Grantee using an estimated tax rate. If the actual rate of
withholding tax applicable to the exercise of the Option is less than the amount
withheld, then the Grantee will be refunded the difference at a subsequent
Company payroll date.

10.  Nontransferability of Option. The Option may not be sold, assigned,
transferred, pledged or otherwise encumbered by the Grantee, either voluntarily
or by operation of law, except by will or the laws of descent and distribution,
and, during the lifetime of the Grantee, the Option shall be exercisable only by
the Grantee.

11.  Restriction on Sale. The sale of Stock delivered in connection the exercise
of the Option may be restricted by the Company's Anti-Insider Trading Policy
and/or Equity Interest Policy and any additional or replacement programs.

12.  Stockholders Rights. Prior to exercise the Grantee shall have no rights as
a stockholder of the Company with respect to the Option.

13.  Entire Agreement. This Option Grant Certificate, the Option Summary and the
Plan constitute the entire agreement between the parties, and supersedes all
prior agreements and understandings, relating to the subject matter hereof.

14.  Binding Effect. This Option Grant Certificate shall be binding upon and
inure to the benefit of the Company and the Grantee and their respective heirs,
executors, administrators, legal representatives, successors and assigns.

<PAGE>

15.  Notice. All notices required or permitted under the Plan or this Option
Grant Certificate shall be in writing and deemed effectively given upon personal
delivery or five days after deposit in the United States Post Office, by
registered or certified mail, postage prepaid. Notice shall be addressed to the
Company at its main address and to the Grantee at the address the Grantee has
most recently provided to the Company, or at such other address or addresses as
either party shall designate to the other in accordance with this Section 15.

16.  Amendment. The Grantee understands and accepts that the benefits granted
under the Plan are entirely at the discretion of the Company and that the
Company retains the right to amend, modify or terminate the Plan, the Option
Summary or this Option Grant Certificate at any time, in its sole discretion and
without notice; provided, however, that no such termination, amendment or
modification of the Plan, the Option Summary or this Option Grant Certificate
may in any way adversely affect the Grantee's rights with respect to the Option
without the Grantee's consent.

17.  Section 409A. Notwithstanding any provision set forth in the Plan or this
Option Grant Certificate, the Company may, without the Grantee's consent, modify
the terms and conditions of the Option, the Plan, the Grant Summary, or this
Option Grant Certificate to the extent it deems necessary or advisable, in its
sole discretion, in order to comply with, or avoid being subject to, Section
409A of the Code.

18.  Governing Law. This Option Grant Certificate will be subject to all
applicable laws, rules, and regulations, and to such approvals by any
governmental agencies or stock exchanges as may be required. This Option Grant
Certificate shall be construed, interpreted and enforced in accordance with the
internal laws of the State of Delaware without regard to any applicable
conflicts of laws.

INTERACTIVE DATA CORPORATION

STUART J. CLARK
President and Chief Executive Officer

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