Document:

Exhibit 10.2

 Exhibit 10.2 
 ASSIGNMENT NO. 23 OF RECEIVABLES IN ADDITIONAL ACCOUNTS INCLUDED IN ASSET POOL ONE (this “Assignment”), dated as of August 12, 2008, by and between CHASE ISSUANCE TRUST (the “Trust”) and WELLS
FARGO BANK, NATIONAL ASSOCIATION (“Wells Fargo”) as collateral agent (in such capacity, the “Collateral Agent”), pursuant to the Asset Pool One Supplement referred to below, and acknowledged by Chase Bank USA, National
Association, in its capacity as servicer under the Third Amended and Restated Transfer and Servicing Agreement, dated as of December 19, 2007 (the “Transfer and Servicing Agreement”), among Chase Bank USA, National Association, as
transferor, administrator and servicer, the Trust and Wells Fargo, as indenture trustee (in such capacity, the “Indenture Trustee”) and Collateral Agent (in such capacity, the “Collateral Agent”). 
 W I T N E S S E T H: 
 WHEREAS, the Trust,
the Collateral Agent and the Indenture Trustee are parties to the Second Amended and Restated Asset Pool One Supplement, dated as of December 19, 2007 (hereinafter as such agreement may have been, or may from time to time be, amended,
supplemented or otherwise modified, the “Asset Pool One Supplement”); 
 WHEREAS, pursuant to the Asset Pool One Supplement, the
Trust wishes to designate Additional Accounts to be included as Asset Pool One Accounts and to pledge hereby the Receivables of such Additional Accounts, whether now existing or hereafter created, to the Collateral Agent to be included as Asset Pool
One Receivables; and 
 WHEREAS, the Collateral Agent, on behalf of and for the benefit and security of the Asset Pool One Noteholders, the
Indenture Trustee, in its individual capacity and the Collateral Agent, in its individual capacity, is willing to accept such designation and pledge subject to the terms and conditions hereof; 
 NOW, THEREFORE, the Trust and the Collateral Agent hereby agree as follows: 
 1. Defined Terms. All capitalized terms used herein shall have the meanings ascribed to them in the Asset Pool One Supplement unless otherwise
defined herein. 
 “Addition Cut-Off Date” shall mean, with respect to the Additional Accounts designated hereby,
June 30, 2008. 
 “Addition Date” shall mean, with respect to the Additional Accounts designated hereby,
August 12, 2008. 
 “Notice Date” shall mean, with respect to the Additional Accounts designated hereby, July 30,
2008. 

 2. Designation of Additional Accounts.
Within five Business Days after the Addition Date, the Trust shall deliver to the Collateral Agent a true and complete list (in the form of a computer file, microfiche list, CD-ROM or such other form as is agreed upon between the Transferor and the
Collateral Agent) of each VISA® and MasterCard® account which, as of the Addition Date, shall be deemed to be an Additional Asset
Pool One Account, identified by account number and the aggregate amount of the Receivables in each such Additional Asset Pool One Account as of the Addition Cut-Off Date, which list shall be marked as Schedule 1 to this Assignment and shall, as of
the Addition Date, modify and amend and be incorporated into and made a part of this Assignment and the Asset Pool One Supplement. 
 3.
Pledge of Receivables. 
 (a) The Trust hereby grants to the Collateral Agent, for the benefit and security of the Asset Pool One
Noteholders, the Indenture Trustee, in its individual capacity and the Collateral Agent, in its individual capacity, a security interest in all of its right, title and interest, whether owned on the Addition Cut-Off Date or thereafter acquired, in
the Receivables existing on the Addition Cut-Off Date or thereafter created in the Additional Asset Pool One Accounts, all Interchange and Recoveries related thereto, all monies due or to become due and all amounts received or receivable with
respect thereto and the “proceeds” (including “proceeds” as defined in the applicable UCC) thereof and Insurance Proceeds relating thereto to secure the Asset Pool One Notes (and the obligations under the Indenture and the Asset
Pool One Supplement), equally and ratably without prejudice, priority or distinction between any Asset Pool One Note by reason of difference in time of issuance or otherwise, except as otherwise expressly provided in the Indenture, or in the
Indenture Supplement which establishes any Series, Class or Tranche of Asset Pool One Notes, and to secure (i) the payment of all amounts due on such Asset Pool One Notes in accordance with their respective terms, (ii) the payment of all
other sums payable by the Trust under the Indenture, any Indenture Supplement and the Asset Pool One Supplement relating to the Asset Pool One Notes and (iii) compliance by the Trust with the provisions of the Indenture, any Indenture
Supplement or the Asset Pool One Supplement relating to the Asset Pool One Notes. This Assignment constitutes a security agreement under the UCC. 
 (b) If necessary, the Trust agrees to record and file, at its own expense, financing statements (and continuation statements when applicable) with respect to the Asset Pool One Receivables in Additional Asset Pool One Accounts existing on
the Addition Cut-Off Date and thereafter created meeting the requirements of applicable state law in such manner and in such jurisdictions as are necessary to perfect, and maintain perfection of, the sale and assignment of its interest in such Asset
Pool One Receivables to the Collateral Agent, and to deliver a file-stamped copy of each such financing statement or other evidence of such filing to the Collateral Agent on or prior to the Addition Date. The Collateral Agent shall be under no
obligation whatsoever to file such financing or continuation statements or to make any filing under the UCC in connection with such sale and assignment. 
  

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 (c) In connection with such assignment, the Trust further agrees, at its own expense, on or prior to the
date of this Assignment, to indicate in the appropriate computer files that Receivables created in connection with the Additional Asset Pool One Accounts and designated hereby have been pledged to the Collateral Agent pursuant to this Assignment for
the benefit and security of the Asset Pool One Noteholders, the Indenture Trustee, in its individual capacity and the Collateral Agent, in its individual capacity. 
 (d) The parties hereto agree that all pledges of Receivables to the Collateral Agent pursuant to this Assignment are subject to, and shall be treated in accordance with, the Delaware Act and each of the parties hereto
agrees that this Assignment has been entered into by the parties hereto in express reliance upon the Delaware Act. For purposes of complying with the requirements of the Delaware Act, each of the parties hereto hereby agrees that any property,
assets or rights purported to be pledged, in whole or in part, by the Trust pursuant to this Assignment shall be deemed to no longer be the property, assets or rights of the Trust. The parties hereto acknowledge and agree that each such assignment
is occurring in connection with a “securitization transaction” within the meaning of the Delaware Act. 
 4. Acceptance by
Collateral Agent. The Collateral Agent hereby acknowledges its acceptance of all right, title and interest in and to the Receivables in the Additional Asset Pool One Accounts now existing and hereafter created, pledged to the Collateral Agent
pursuant to Section 3(a) of this Assignment and declares that it shall maintain such right, title and interest, upon the trust herein set forth, for the benefit and security of the Asset Pool One Noteholders, the Indenture Trustee, in its
individual capacity and the Collateral Agent, in its individual capacity. 
 5. Representations and Warranties of the Trust. The Trust
hereby represents and warrants to the Collateral Agent, as of the Addition Date (or such other date as is specified below), that: 
 (a)
Conditions Precedent. All of the requirements for the addition of Accounts set forth under subsection 2.12(c) of the Transfer and Servicing Agreement shall have been satisfied and all of the representations and warranties set forth under
subsection 2.04(a) of the Transfer and Servicing Agreement to be made on each Addition Date shall be true and correct in all material respects on such Addition Date; 
 (b) Legal, Valid and Binding Obligation. This Assignment constitutes a legal, valid and binding obligation of the Trust enforceable against the Trust in accordance with its terms, except as such enforceability
may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws now or hereafter in effect affecting the enforcement of creditors’ rights in general and except as such enforceability may be limited by
general principles of equity (whether considered in a suit at law or in equity); 
 (c) Eligibility of Additional Accounts. As of the
Addition Cut-Off Date, each Additional Account designated hereby was an Eligible Account; 
  

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 (d) Insolvency. As of each of the Addition Cut-Off Date and the Addition Date, no Insolvency Event
with respect to the Trust has occurred and the assignment by the Trust of Receivables arising in the Additional Accounts to the Collateral Agent has not been made in contemplation of the occurrence thereof; 
 (e) No Adverse Effect. The acquisition by the Collateral Agent of the Receivables arising in the Additional Accounts shall not, in the reasonable
belief of the Trust, result in an Adverse Effect; 
 (f) No Conflict. The execution and delivery by the Trust of this Assignment, the
performance of the transactions contemplated by this Assignment and the fulfillment of the terms hereof applicable to the Trust, will not conflict with or violate any Requirements of Law applicable to the Trust or conflict with, result in any breach
of any of the material terms and provisions of, or constitute (with or without notice or lapse of time or both) a material default under, any indenture, contract, agreement, mortgage, deed of trust or other instrument to which the Trust is a party
or by which it or its properties are bound; 
 (g) No Proceedings. There are no proceedings or investigations, pending or, to the best
knowledge of the Trust, threatened against the Trust before any court, regulatory body, administrative agency or other tribunal or governmental instrumentality (i) asserting the invalidity of this Assignment, (ii) seeking to prevent the
consummation of any of the transactions contemplated by this Assignment, (iii) seeking any determination or ruling that, in the reasonable judgment of the Trust, would materially and adversely affect the performance by the Trust of its
obligations under this Assignment or (iv) seeking any determination or ruling that would materially and adversely affect the validity or enforceability of this Assignment; and 
 (h) All Consents. All authorizations, consents, orders or approvals of any court or other governmental authority required to be obtained by the
Trust in connection with the execution and delivery of this Assignment by the Trust and the performance of the transactions contemplated by this Assignment by the Trust, have been obtained. 
 6. Conditions Precedent. The acceptance by the Collateral Agent set forth in Section 4 hereof and the amendment of the Asset Pool One
Supplement pursuant to Section 7 hereof are each subject to the satisfaction of the conditions precedent set forth in subsection 2.4(c) of the Asset Pool One Supplement on or prior to the dates specified in such subsection 2.4(c), except to the
extent any such conditions have been waived. For purposes of subsection 2.4(c)(ii) of the Asset Pool One Supplement, “Notice Date” shall having the meaning specified in Section 1 hereof. With respect to the condition specified in
subsection 2.4(c)(xi) of the Asset Pool One Supplement, on or prior to the date hereof, the Administrator, on behalf of the Issuing Entity, shall have delivered to the Collateral Agent a certificate of a Vice President or more senior officer of the
Administrator, substantially in the form of Schedule 2 hereto, certifying that all requirements set forth in subsection 2.4(c) of the Asset Pool One Supplement for designating and conveying Receivables in Additional Asset Pool One Accounts have

  

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been satisfied or waived. The Collateral Agent may conclusively rely on such Officer’s Certificate, shall have no duty to make inquiries with regard to
the matters set forth therein, and shall incur no liability in so relying. 
 7. Amendment of the Asset Pool One Supplement. The Asset
Pool One Supplement is hereby amended to provide that all references therein to the “Asset Pool One Supplement,” to “this Asset Pool One Supplement” and to “herein” shall be deemed from and after the Addition Date to be
a dual reference to the Asset Pool One Supplement as supplemented by this Assignment. All references therein to Additional Asset Pool One Accounts shall be deemed to include the Additional Accounts designated hereby and all references therein to
Asset Pool One Receivables shall be deemed to include the Receivables pledged hereby. Except as expressly amended hereby, all of the representations, warranties, terms, covenants and conditions of the Asset Pool One Supplement shall remain unamended
and shall continue to be, and shall remain, in full force and effect in accordance with its terms and except as expressly provided herein shall not constitute or be deemed to constitute a waiver of compliance with or a consent to noncompliance with
any term or provision of the Asset Pool One Supplement. 
 8. Counterparts. This Assignment may be executed in two or more
counterparts, and by different parties on separate counterparts, each of which shall be an original, but all of which shall constitute one and the same instrument. 
 9. GOVERNING LAW. THIS ASSIGNMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE
PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
 10. Limitation of Liability. Notwithstanding any other
provision herein or elsewhere, this Assignment has been executed and delivered by Wilmington Trust Company on behalf of the Trust, not in its individual capacity, but solely in its capacity as Owner Trustee, and in no event shall Wilmington Trust
Company in its individual capacity have any liability in respect of the representations, warranties, or obligations of the Trust hereunder or under any other document, as to all of which recourse shall be had solely to the assets of the Trust, and
for all purposes of this Assignment and each other document, the Owner Trustee (as such or in its individual capacity) shall be subject to, and entitled to the benefits of, the terms and provisions of the Trust Agreement. 
  

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 IN WITNESS WHEREOF, the parties hereto have caused this Assignment to be duly executed by their
respective officers as of the day and year first above written. 
  

			
	CHASE ISSUANCE TRUST
		
	By:	 	 WILMINGTON TRUST COMPANY, not
 in its individual
capacity but solely as
 Owner Trustee on behalf of the Issuing
 Entity

		
	By:	 	 /s/ Erik E. Overcash

	Name:	 	Erik E. Overcash
	Title:	 	Assistant Vice President
	
	 WELLS FARGO BANK, NATIONAL
 ASSOCIATION, as
Collateral Agent

		
	By:	 	 /s/ Cheryl Zimmerman

	Name:	 	Cheryl Zimmerman
	Title:	 	Vice President

  

			
	Acknowledged by:
	
	CHASE BANK USA,
	 NATIONAL ASSOCIATION,
 as
Servicer

		
	By:	 	 /s/ Keith W. Schuck

	Name:	 	Keith W. Schuck
	Title:	 	President

 Chase Issuance Trust 
 Assignment No. 23 (APO) 

 Schedule 1 
 LIST OF ADDITIONAL ASSET POOL ONE ACCOUNTS 
 [TO BE DELIVERED TO THE COLLATERAL AGENT BY THE ISSUING ENTITY

 AND MARKED AS SCHEDULE 1 TO THIS ASSIGNMENT] 
 Schedule 1 

 Schedule 2 
 Chase Issuance Trust 
 Officer’s Certificate 
 August 12, 2008 
 Keith W. Schuck, a duly authorized officer of Chase Bank USA,
National Association, as administrator (the “Administrator”) for the Chase Issuance Trust (the “Trust”), hereby certifies and acknowledges on behalf of the Trust that to the best of his knowledge the following statements are true
on August 12, 2008 (the “Addition Date”), and acknowledges on behalf of the Trust that this Officer’s Certificate will be relied upon by Wells Fargo Bank, National Association (“Wells Fargo”), as collateral agent (the
“Collateral Agent”) in connection with the Collateral Agent entering into Assignment No. 23 of Receivables in Additional Accounts, dated as of August 12, 2008 (the “Assignment”), by and between the Trust and the
Collateral Agent, in connection with the Second Amended and Restated Asset Pool One Supplement, dated as of December 19, 2007 (as heretofore supplemented and amended, the “Asset Pool One Supplement”), by and between the Trust and
Wells Fargo as indenture trustee (the “Indenture Trustee”) and Collateral Agent. The undersigned hereby certifies and acknowledges on behalf of the Trust that: 
 (a) Conditions Precedent. All of the requirements for the addition of Accounts set forth under subsection 2.4(c) of the Asset Pool One Supplement shall have been satisfied in all material respects on the
Addition Date. 
 (b) Delivery of Assignment. On or prior to the Addition Date, (i) the Trust has delivered to the Collateral
Agent the Assignment (including an acceptance by the Collateral Agent for the benefit and security of the Asset Pool One Noteholders, the Indenture Trustee, in its individual capacity and the Collateral Agent, in its individual capacity) and
(ii) the Trust has indicated in its computer files that the Receivables created in connection with the Additional Accounts have been assigned to the Collateral Agent. Within five Business Days after the Addition Date, the Trust shall deliver to
the Collateral Agent a true and complete list (in the form of a computer file, microfiche list, CD-ROM or such other form as is agreed upon between the Transferor and the Collateral Agent) of all Additional Accounts, identified by account number and
the aggregate amount of the Receivables in each Additional Account as of the Addition Cut-Off Date, which list shall, as of the Addition Date, modify and amend and be incorporated into and made a part of the Assignment and the Asset Pool One
Supplement. 
 (c) Legal, Valid and Binding Obligation. The Assignment constitutes a legal, valid and binding obligation of the Trust
enforceable against the Trust in accordance with its terms, except as such enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws now or hereafter in effect affecting the enforcement of
creditors’ rights in general and except as 
 Schedule 2-1 

 such enforceability may be limited by general principles of equity (whether considered in a suit at law or in equity).

 (d) Eligibility of Additional Accounts. As of the Addition Cut-Off Date, each Additional Account designated pursuant to the
Assignment was an Eligible Account. 
 (e) Insolvency. As of each of the Addition Cut-Off Date and the Addition Date, no Insolvency
Event with respect to the Trust has occurred and the assignment by the Trust of Receivables arising in the Additional Accounts to the Collateral Agent has not been made in contemplation of the occurrence thereof. 
 (f) No Adverse Effect. The acquisition by the Collateral Agent of the Receivables arising in the Additional Accounts shall not, in the reasonable
belief of the Trust, result in an Adverse Effect. 
 (g) No Conflict. The execution and delivery by the Trust of the Assignment, the
performance of the transactions contemplated by the Assignment and the fulfillment of the terms thereof applicable to the Trust, will not conflict with or violate any Requirements of Law applicable to the Trust or conflict with, result in any breach
of any of the material terms and provisions of, or constitute (with or without notice or lapse of time or both) a material default under, any indenture, contract, agreement, mortgage, deed of trust or other instrument to which the Trust is a party
or by which it or its properties are bound. 
 (h) No Proceedings. There are no proceedings or investigations, pending or, to the best
knowledge of the Trust, threatened against the Trust before any court, regulatory body, administrative agency or other tribunal or governmental instrumentality (i) asserting the invalidity of the Assignment, (ii) seeking to prevent the
consummation of any of the transactions contemplated by the Assignment, (iii) seeking any determination or ruling that, in the reasonable judgment of the Trust, would materially and adversely affect the performance by the Trust of its
obligations under the Assignment or (iv) seeking any determination or ruling that would materially and adversely affect the validity or enforceability of the Assignment. 
 (i) All Consents. All authorizations, consents, orders or approvals of any court or other governmental authority required to be obtained by the
Trust in connection with the execution and delivery of the Assignment by the Trust and the performance of the transactions contemplated by the Assignment by the Trust, have been obtained. 
 Initially capitalized terms used herein and not otherwise defined are used as defined in the Asset Pool One Supplement. 
 Schedule 2-2 

 IN WITNESS WHEREOF, I have hereunto set my hand as of the day and year first set forth above. 

 

			
	CHASE ISSUANCE TRUST
		
	By:	 	 CHASE BANK USA, NATIONAL
 ASSOCIATION, not in its
individual
 capacity but solely as Administrator on
 behalf of
the Trust

		
	By:	 	 /s/ Keith W. Schuck

	Name:	 	Keith W. Schuck
	Title:	 	President

 Schedule 2-3Buckhead Community Bancorp, Inc. 2008 Long-term Incentive Plan

 Exhibit 10.1 
 BUCKHEAD COMMUNITY BANCORP, INC. 
 2008 LONG-TERM INCENTIVE PLAN 

 BUCKHEAD COMMUNITY BANCORP, INC. 
 2008 LONG-TERM INCENTIVE PLAN 
 TABLE OF CONTENTS 
  

					
	 	  	 	  	Page
	SECTION I. DEFINITIONS	  	3
	 1.1
	  	Definitions	  	3
		
	SECTION 2 THE LONG-TERM INCENTIVE PLAN	  	8
	 2.1
	  	Purpose of the Plan	  	8
	 2.2
	  	Stock Subject to the Plan	  	9
	 2.3
	  	Administration of the Plan	  	9
	 2.4
	  	Eligibility and Limits	  	9
		
	SECTION 3 TERMS OF AWARDS	  	10
	 3.1
	  	Terms and Conditions of All Awards	  	10
	 3.2
	  	Terms and Conditions of Options	  	11
	 3.3
	  	Terms and Conditions of Stock Appreciation Rights	  	14
	 3.4
	  	Terms and Conditions of Stock Awards	  	14
	 3.5
	  	Terms and Conditions of Dividend Equivalent Rights	  	14
	 3.6
	  	Terms and Conditions of Performance Awards	  	15
	 3.7
	  	Terms and Conditions of Restricted Stock Units	  	15
	 3.8
	  	Terms and Conditions of Phantom Stock	  	16
	 3.9
	  	Treatment of Awards on Termination of Service	  	16
		
	SECTION 4 RESTRICTIONS ON STOCK	  	16
	 4.1
	  	Escrow of Shares	  	16
	 4.2
	  	Restrictions on Transfer	  	17
		
	SECTION 5 GENERAL PROVISIONS	  	17
	 5.1
	  	Withholding	  	17
	 5.2
	  	Changes in Capitalization; Merger; Liquidation	  	17
	 5.3
	  	Cash Awards	  	19
	 5.4
	  	Compliance with Code	  	19
	 5.5
	  	Right to Terminate Employment or Service	  	19
	 5.6
	  	Non-Alienation of Benefits	  	19
	 5.7
	  	Restrictions on Delivery and Sale of Shares; Legends	  	19
	 5.8
	  	Listing and Legal Compliance	  	20
	 5.9
	  	Termination and Amendment of the Plan	  	20
	 5.10
	  	Stockholder Approval	  	20
	 5.11
	  	Choice of Law	  	20
	 5.12
	  	Effective Date of Plan	  	21

  

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 BUCHHEAD COMMUNITY BANCORP, INC. 
 2008 LONG-TERM INCENTIVE PLAN 
 SECTION I. DEFINITIONS 
 1.1 Definitions. Whenever used herein, the masculine pronoun will be deemed to include the feminine, and the singular to include the plural,
unless the context clearly indicates otherwise, and the following capitalized words and phrases are used herein with the meaning thereafter ascribed: 
 (a) “Affiliate” means: 
 (1) Any Subsidiary or Parent; 
 (2) An entity that directly or through one or more intermediaries controls, is controlled by, or is under common control with the Company,
as determined by the Company; or 
 (3) Any entity in which the Company has such a significant interest that the Company
determines it should be deemed an “Affiliate”, as determined in the sole discretion of the Company. 
 (b)
“Award Agreement” means an agreement between the Company and a Participant or other documentation evidencing the granting of an Award. 
 (c) “Award Program” means a written program established by the Committee, pursuant to which Awards are granted under the Plan under uniform terms, conditions and restrictions set forth in such written
program. 
 (d) “Awards” means, collectively, Dividend Equivalent Rights, Incentive Stock Options,
Nonqualified Stock Options, Performance Awards, Phantom Stock, Restricted Stock Units, Stock Appreciation Rights and Stock Awards. 
 (e) “Board of Directors” means the board of directors of the Company. 
 (f) “Code”
means the Internal Revenue Code of 1986, as amended. 
 (g) “Committee” means the committee appointed by the
Board of Directors to administer the Plan; provided that, if no such committee is appointed, the Board of Directors in its entirety shall constitute the Committee. The Board of Directors shall consider the advisability of whether the members of the
Committee shall consist solely of two or more members of the Board of Directors who are both “outside directors” as defined in Treas. Reg. § 1.162-27(e) as promulgated by the Internal Revenue Service and “non-employee
directors” as defined in Rule 16b-3(b)(3) as promulgated under the Exchange Act, and if applicable, who satisfy the requirements of the national securities 

  

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exchange or nationally recognized quotation or market system on which the Stock is then traded. Notwithstanding the foregoing, with respect to Awards granted
by an officer or officers of the Company and/or the Chairperson of the committee pursuant to Section 2.3(b), the “Committee” as used in the Plan shall mean such officer or officers and/or such Chairperson, unless the context would
clearly indicate otherwise. 
 (h) “Company” means Buckhead Community Bancorp, Inc., a Georgia corporation.

 (i) “Disability” unless otherwise defined by the Committee in the applicable Award Agreement or Award
Program, has the same meaning as provided in the long-term disability plan or policy maintained or, if applicable, most recently maintained, by the Company or, if applicable, any Affiliate of the Company for the Participant. If no long-term
disability plan or policy was ever maintained on behalf of the Participant or, if the determination of Disability relates to an Incentive Stock Option, Disability means that condition described in Code Section 22(e)(3), as amended from time to
time. In the event of a dispute, the determination of Disability will be made by the Committee and will be supported by advice of a physician competent in the area to which such Disability relates. 
 (j) “Dividend Equivalent Rights” means certain rights to receive cash payments as described in Section 3.5.

 (k) “Exchange Act” means the Securities Exchange Act of 1934, as amended from time to time. 
 (l) “Fair Market Value” refers to the value of a Share as of a date, determined as follows, unless determined otherwise
by the Committee: 
 (1) if the shares of Stock are actively traded on any national securities exchange or any nationally
recognized quotation or market system (including, without limitation Nasdaq), Fair Market Value shall mean the price at which Stock shall have been sold on such date, as reported by any such exchange or system selected by the Committee on which the
shares of Stock are then traded; 
 (2) if the shares of Stock are not actively traded on any such exchange or system, Fair
Market Value shall mean the price for the Stock on such date, as reported by such exchange or system; or 
 (3) if the shares
of Stock are not actively traded or reported on any exchange or system on such date or on the business day immediately preceding such date, Fair Market Value shall mean the fair market value of a share of Stock as determined by the Committee taking
into account such facts and circumstances deemed to be material by the Committee to the value of the Stock in the hands of the Participant. 
  

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 Notwithstanding the foregoing, for purposes of Paragraph (1), (2), or (3) above, the
Committee may use the closing price as of the indicated date, the average price or value as of the indicated date or for a period certain ending on the indicated date, the price determined at the time the transaction is processed, the tender offer
price for shares of Stock, or any other method which the Committee determines is reasonably indicative of the fair market value of the Stock; provided, however, that for purposes of granting Nonqualified Stock Options or Stock Appreciation Rights,
Fair Market Value of Stock shall be determined in accordance with the requirements of Code Section 409A, and for purposes of granting Incentive Stock Options, Fair Market Value of Stock shall be determined in accordance with the requirements of
Code Section 422. 
 (m) “Incentive Stock Option” means an incentive stock option within the meaning of
Section 422 of the Internal Revenue Code. 
 (n) “Nonqualified Stock Option” means a stock option that
is not an Incentive Stock Option. 
 (o) “Option” means a Nonqualified Stock Option or an Incentive Stock
Option. 
 (p) “Over 10% Owner” means an individual who at the time an Incentive Stock Option to such
individual is granted owns Stock possessing more than 10% of the total combined voting power of the Company or one of its Subsidiaries, determined by applying the attribution rules of Code Section 424(d). 
 (q) “Parent” means any corporation (other than the Company) in an unbroken chain of corporations ending with the Company
if, with respect to Incentive Stock Options, at the time of the granting of the Option, each of the corporations other than the Company owns stock possessing fifty percent (50%) or more of the total combined voting power of all classes of stock
in one of the other corporations in such chain. A Parent shall include any entity other than a corporation to the extent permissible under Section 424(f) or regulations and rulings thereunder. 
 (r) “Participant” means an individual who receives an Award hereunder. 
 (s) “Performance Award” refers to a performance award as described in Section 3.6. 
 (t) “Performance Goals” means any one or more of the following performance goals, intended by the Committee to constitute
objective goals for purposes of Code Section 162(m), either individually, alternatively or in any combination, applied to either the Company as a whole or to a business unit or Affiliate, either individually, alternatively or in combination,
and measured either quarterly, annually or cumulatively over a period of quarters or years, on an absolute basis or relative to a pre-established target, to previous quarters’ or years’ results or to a designated comparison group, in each
case as specified by the Committee in the Award: 
  

	 	(i)	earnings per share; 

  

 5 

	 	(ii)	operating cash flow; 

  

	 	(iii)	cash available; 

  

	 	(iv)	net income; 

  

	 	(v)	revenue; 

  

	 	(vi)	total shareholder return; 

  

	 	(vii)	return on invested capital; 

  

	 	(viii)	return on shareholder equity; 

  

	 	(ix)	return on assets; 

  

	 	(x)	return on common book equity; 

  

	 	(xi)	market share; 

  

	 	(xii)	economic value added; 

  

	 	(xiii)	operating margin; 

  

	 	(xiv)	stock price; 

  

	 	(xv)	operating income; 

  

	 	(xvi)	EBIT or EBITDA; 

  

	 	(xvii)	expenses or operating expenses; 

  

	 	(xviii)	productivity of employees as measured by revenues, costs, or earnings per employee; 

  

	 	(xix)	cost reduction goals; or 

  

	 	(xx)	any combination of the foregoing. 

 The Committee may
appropriately adjust any evaluation of performance under a Performance Goal to remove the effect of equity compensation expense under FAS 123R; amortization of acquired technology and intangibles; asset write-downs; litigation or claim judgments or
settlements; changes in or provisions under tax law, accounting principles or other such laws or provisions affecting reported results; accruals for reorganization and restructuring programs; discontinued operations; and any items that are
extraordinary, unusual in nature, non-recurring or infrequent in occurrence, except where such action would result in the loss of the otherwise available exemption of the Award under Section 162(m) of the Code, if applicable. 
  

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 (u) “Performance Period” means, with respect to an Award, a period of
time within which the Performance Goals relating to such Award are to be measured. The Performance Period will be established by the Committee at the time the Award is granted. 
 (v) “Phantom Stock” refers to the rights described in Plan Section 3.8. 
 (w) “Plan” means the Buckhead Community Bancorp, Inc. 2008 Long-Term Incentive Plan. 
 (x) “Restricted Stock Units” refers to the rights described in Section 3.7. 
 (y) “Separation from Service” shall mean a termination of a Participant’s employment or other service relationship
with the Company, subject to the following requirements: 
 (1) in the case of a Participant who is an employee of the
Company, a termination of the Participant’s employment where either (A) the Participant has ceased to perform any services for the Company and all affiliated companies that, together with the Company, constitute the “service
recipient” within the meaning of Code Section 409A (collectively, the “Service Recipient”) or (B) the level of bona fide services the Participant performs for the Service Recipient after a given date (whether as an employee
or as an independent contractor) permanently decreases (excluding a decrease as a result of military leave, sick leave, or other bona fide leave of absence if the period of such leave does not exceed six months, or if longer, so long as the
Participant retains a right to reemployment with the Service Recipient under an applicable statute or by contract) to no more than twenty percent (20%) of the average level of bona fide services performed for the Service Recipient (whether as
an employee or an independent contractor) over the immediately preceding 36-month period (or the full period of service if the Participant has been providing services to the Service Recipient for less than 36 months); or 
 (2) in the case of a Participant who is an independent contractor engaged by the Service Recipient, a termination of the
Participant’s service relationship with the Service Recipient either (A) upon the expiration of the contract (or in the case of more than one contract, all contracts) under which services are performed for the Service Recipient if the
expiration constitutes a good-faith and complete termination of the contractual relationship; or (B) if, with respect to amounts payable to the Participant under an Award upon the termination of the independent contractor’s relationship
with the Service Recipient, no amount will be paid to the Participant before at least twelve (12) months after the day on which the contract expires under which the Participant performs services for the Service Recipient (or, in the case of
more than one 

  

 7 

 
contract, all such contracts expire) and no amount payable to the Participant on that date will is actually paid to the Participant if, after the expiration
of the contract (or contracts) and before that date, the Participant performs services for the Service Recipient as an independent contractor or an employee; or 
 (3) in any case, as may otherwise be permitted under Code Section 409A. 
 (z) “Stock” means the Company’s common stock. 
 (aa) “Stock Appreciation Right” means a stock appreciation right described in Section 3.3. 
 (bb) “Stock Award” means a stock award described in Section 3.4. 
 (cc) “Subsidiary” means any corporation (other than the Company) in an unbroken chain of corporations beginning with the
Company if, at the time of the granting of the Option, each of the corporations other than the last corporation in the unbroken chain owns stock possessing fifty percent (50%) or more of the total combined voting power of all classes of stock
in one of the other corporations in the chain. A “Subsidiary” shall include any entity other than a corporation to the extent permissible under Section 424(f) or regulations or rulings thereunder. 
 (dd) “Termination of Employment” means the termination of the employment relationship between a Participant and the
Company and its Affiliates, regardless of whether severance or similar payments are made to the Participant for any reason, including, but not by way of limitation, a termination by resignation, discharge, death, Disability or retirement. The
Committee will, in its absolute discretion, determine the effect of all matters and questions relating to a Termination of Employment as it affects an Award, including, but not by way of limitation, the question of whether a leave of absence
constitutes a Termination of Employment. 
 SECTION 2 THE LONG-TERM INCENTIVE PLAN 
 2.1 Purpose of the Plan. The Plan is intended to (a) provide incentives to certain officers, employees, directors and other service
providers of the Company and its Affiliates to stimulate their efforts toward the continued success of the Company and to operate and manage the business in a manner that will provide for the long-term growth and profitability of the Company;
(b) encourage stock ownership by certain officers, employees, directors and other service providers by providing them with a means to acquire a proprietary interest in the Company, acquire shares of Stock, or to receive compensation which is
based upon appreciation in the value of Stock; and (c) provide a means of obtaining, rewarding and retaining officers, employees, directors, and other service providers. 
  

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 2.2 Stock Subject to the Plan. Subject to adjustment in accordance with Section 5.2,
eight hundred thousand (800,000) shares of Stock (the “Maximum Plan Shares”) are hereby reserved exclusively for issuance upon exercise, settlement, or payment pursuant to Awards, all or any of which may be pursuant to any one or more
Award, including without limitation, Incentive Stock Options. The shares of Stock attributable to the nonvested, unpaid, unexercised, unconverted or otherwise unsettled portion of any Award that is forfeited or cancelled or expires or terminates for
any reason without becoming vested, paid, exercised, converted or otherwise settled in full and shares of stock deducted or withheld to satisfy tax withholding (other than shares of Stock that are withheld from a Stock Award upon vesting) will again
be available for purposes of the Plan. 
 2.3 Administration of the Plan.
 (a) The Plan is administered by the Committee. The Committee has full authority in its discretion to determine the officers,
employees, directors and other service providers of the Company or its Affiliates to whom Awards will be granted and the terms and provisions of Awards, subject to the Plan. Subject to the provisions of the Plan, the Committee has full and
conclusive authority to interpret the Plan; to prescribe, amend and rescind rules and regulations relating to the Plan; to determine the terms and provisions of the respective Award Agreements and to make all other determinations necessary or
advisable for the proper administration of the Plan. The Committee’s determinations under the Plan need not be uniform and may be made by it selectively among persons who receive, or are eligible to receive, Awards under the Plan (whether
or not such persons are similarly situated). The Committee’s decisions are final and binding on all Participants. Each member of the Committee shall serve at the discretion of the Board of Directors and the Board of Directors may from time
to time remove members from or add members to the Committee. Vacancies on the Committee shall be filled by the Board of Directors. 
 (b) Notwithstanding any other provision of this Plan, the Board of Directors may by resolution authorize one or more officers of the Company and/or the Chairperson of a committee of the Board of Directors to do one or both of the following:
(1) designate individuals (other than officers or directors of the Company or any Affiliate who are subject to Section 16 of the Exchange Act) to receive Awards under the Plan, and (2) determine the number of shares of Stock subject
to such Awards; provided however, that the resolution shall specify the total number of shares of Stock that may be granted subject to such Awards. 
 2.4 Eligibility and Limits. Awards may be granted only to officers, employees, directors, and other service providers of the Company or any Affiliate of the Company; provided, however, that an Incentive Stock Option may only be
granted to an employee of the Company or any Parent or Subsidiary. In the case of Incentive Stock Options, the aggregate Fair Market Value (determined as of the date an Incentive Stock Option is granted) of Stock with respect to which stock options
intended to meet the requirements of Code Section 422 become exercisable for the first time by an individual during any calendar year under all plans of the Company and its Parents and Subsidiaries may not exceed $100,000; provided further,
that if the limitation is 

  

 9 

 
exceeded, the Incentive Stock Option(s) which cause the limitation to be exceeded will be treated as Nonqualified Stock Option(s). To the extent required
under Section 162(m) of the Code and the regulations thereunder, as applicable, for compensation to be treated as qualified performance-based compensation, subject to adjustment in accordance with Section 5.2, the maximum number of shares
of Stock with respect to which (a) Options, (b) Stock Appreciation Rights, or (c) other Awards (other than Performance Awards that are payable in cash), to the extent they are granted with the intent that they qualify as qualified
performance-based compensation under Section 162(m) of the Code, may be granted during any calendar year to any employee may not exceed one hundred thousand (100,000), and the maximum aggregate dollar amount that may be paid in any calendar
year to any employee with respect to Performance Awards that are payable in cash may not exceed two hundred fifty thousand Dollars ($250,000). If, after grant, an Option is cancelled, the cancelled Option shall continue to be counted against the
maximum number of shares for which options may be granted to an employee as described in this Section 2.4. If an Option or Stock Appreciation Right is deemed to be cancelled as described in the preceding sentence, the Option or Stock
Appreciation Right that is deemed to be canceled and the Option or Stock Appreciation Right that is deemed to be granted shall both be counted against the maximum number of shares for which Options or Stock Appreciation Rights may be granted to an
employee as described in this Section 2.4. 
 SECTION 3 TERMS OF AWARDS 
 3.1 Terms and Conditions of All Awards. 
 (a) The number of shares of Stock as to which an Award may be granted or the amount of an Award will be determined by the Committee in its sole discretion, subject to the provisions of Section 2.2 as to the total
number of shares available for grants under the Plan and subject to the limits in Section 2.4. 
 (b) Each Award will
either be evidenced by an Award Agreement in such form and containing such, terms, conditions and restrictions as the Committee may determine to be appropriate, including without limitation, Performance Goals or other performance criteria, if any,
that must be achieved as a condition to vesting or settlement of the Award, or be made subject to the terms of an Award Program, containing such terms, conditions and restrictions as the Committee may determine to be appropriate, including without
limitation, Performance Goals or other performance criteria, if any that must be achieved as a condition to vesting or settlement of the Award. Performance Goals, if any, shall be established before twenty-five percent (25%) of the Performance
Period has elapsed, but in no event later than within ninety (90) days after the first day of a Performance Period. At the time any Performance Goals are established, the outcome as to whether the Performance Goals will be met must be
substantially uncertain. If any Performance Goals are established as a condition to vesting or settlement of an Award and such Performance Goal is not based solely on the increase in the Fair Market Value of the Stock, the Committee shall certify in
writing that the applicable Performance Goals were in fact satisfied before such Award is vested or settled, as applicable. Each Award Agreement or Award Program is subject to the terms of the Plan and any provisions 

  

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contained in the Award Agreement or Award Program that are inconsistent with the Plan are null and void. To the extent an Award is subject to Performance
Goals with the intent that the Award constitute performance-based compensation under Code Section 162(m), the Committee shall comply with all applicable requirements under Code Section 162(m) and the rules and regulations promulgated
thereunder in granting, modifying, and settling such Award. The Committee may, but is not required to, structure any Award so as to qualify as performance-based compensation under Code Section 162(m). 
 (c) The date as of which an Award is granted will be the date on which the Committee has approved the terms and conditions of the Award
and has determined the recipient of the Award and the number of shares, if any, covered by the Award, and has taken all such other actions necessary to complete the grant of the Award or such later date as may be specified in the approval of such
Award. 
 (d) Any Award may be granted in connection with all or any portion of a previously or contemporaneously granted
Award. Exercise or vesting of an Award granted in connection with another Award may result in a pro rata surrender or cancellation of any related Award, as specified in the applicable Award Agreement or Award Program. 
 (e) Awards are not transferable or assignable except by will or by the laws of descent and distribution governing the State in which the
Participant was domiciled at the time of the Participant’s death, and are exercisable, during the Participant’s lifetime, only by the Participant; or in the event of the Disability of the Participant, by the legal representative of the
Participant; or in the event of death of the Participant, by the legal representative of the Participant’s estate or if no legal representative has been appointed within ninety (90) days of the Participant’s death, by the person(s)
taking under the laws of descent and distribution governing the State in which the Participant was domiciled at the time of the Participant’s death; except to the extent that the Committee may provide otherwise as to any Awards other than
Incentive Stock Options. 
 (f) After the date of grant of an Award, the Committee may, in its sole discretion, modify the
terms and conditions of an Award, except to the extent that such modification would be inconsistent with other provisions of the Plan or would adversely affect the rights of a Participant under the Award (except as otherwise permitted under the
Plan). 
 3.2 Terms and Conditions of Options. Each Option granted under the Plan must be evidenced by an Award Agreement. At the time
any Option is granted, the Committee will determine whether the Option is to be an Incentive Stock Option described in Code Section 422 or a Nonqualified Stock Option, and the Option must be clearly identified as to its status as an Incentive
Stock Option or a Nonqualified Stock Option. Incentive Stock Options may only be granted to employees of the Company or any Subsidiary or Parent. At the time any Incentive Stock Option granted under the Plan is exercised, the Company will be
entitled to legend the certificates representing the shares of Stock purchased pursuant to the Option to clearly identify them as representing the shares purchased upon the exercise of an Incentive Stock Option. An 

  

 11 

 
Incentive Stock Option may only be granted within ten (10) years from the earlier of the date the Plan is adopted or approved by the Company’s
stockholders. All Options shall provide that the primary state or federal regulator of the Company may require a Participant to exercise the vested portion of the Option in whole or in part if the capital of the Company or any Affiliate falls below
minimum requirements and shall further provide that, if the Participant fails to so exercise any such portion of the Option, that portion of the Option shall be forfeited. 
 (a) Option Price. Subject to adjustment in accordance with Section 5.2 and the other provisions of this Section 3.2, the
exercise price per share of Stock purchasable under any Option (the “Exercise Price”) must be as set forth in the applicable Award Agreement, but in no event may it be less than the Fair Market Value on the date the Option is granted. With
respect to each grant of an Incentive Stock Option to a Participant who is an Over 10% Owner, the Exercise Price may not be less than one hundred and ten percent (110%) of the Fair Market Value on the date the Option is granted. 
 (b) Option Term. Any Incentive Stock Option granted to a Participant who is not an Over 10% Owner is not exercisable after the
expiration of ten (10) years after the date the Option is granted. Any Incentive Stock Option granted to an Over 10% Owner is not exercisable after the expiration of five (5) years after the date the Option is granted. The term of any
Nonqualified Stock Option shall be as specified in the applicable Award Agreement. 
 (c) Payment. Payment for all
shares of Stock purchased pursuant to exercise of an Option will be made in any form or manner authorized by the Committee in the Award Agreement or by amendment thereto, including, but not limited to, cash, cash equivalents, or, if the Award
Agreement provides: 
 (i) by delivery to the Company of a number of shares of Stock owned by the holder having an aggregate
Fair Market Value of not less than the product of the Exercise Price multiplied by the number of shares the Participant intends to purchase upon exercise of the Option on the date of delivery; 
 (ii) in a cashless exercise through a broker, except if and to the extent prohibited by law as to officers and directors, including
without limitation, the Sarbanes-Oxley Act of 2002, as amended; or 
 (iii) by having a number of shares of Stock withheld,
the Fair Market Value of which as of the date of exercise is sufficient to satisfy the Exercise Price. 
 In its discretion, the Committee
also may authorize (at the time an Option is granted or thereafter) Company financing to assist the Participant as to payment of the Exercise Price on such terms as may be offered by the Committee in its discretion, except to the 

  

 12 

 
extent prohibited by law, including, but not limited to, restrictions applicable to officers and directors under the Sarbanes-Oxley Act of 2002, as amended.
Payment must be made at the time that the Option or any part thereof is exercised, and no shares may be issued or delivered upon exercise of an Option until full payment has been made by the Participant. The holder of an Option, as such, has
none of the rights of a stockholder. 
 (d) Conditions to the Exercise of an Option. Each Option granted under the
Plan is exercisable by whom, at such time or times, or upon the occurrence of such event or events, and in such amounts, as the Committee specifies in the Award Agreement; provided, however, that subsequent to the grant of an Option, the Committee,
at any time before complete termination of such Option, may modify the terms of an Option to the extent not prohibited by the terms of the Plan, including, without limitation, accelerating the time or times at which such Option may be exercised in
whole or in part, including, without limitation, upon a change in control and may permit the Participant or any other designated person to exercise the Option, or any portion thereof, for all or part of the remaining Option term, notwithstanding any
provision of the Award Agreement or Award Program to the contrary. 
 (e) Termination of Incentive Stock
Option. With respect to an Incentive Stock Option, in the event of Termination of Employment of a Participant, the Option or portion thereof held by the Participant which is unexercised will expire, terminate, and become unexercisable no
later than the expiration of three (3) months after the date of Termination of Employment; provided, however, that in the case of a holder whose Termination of Employment is due to death or Disability, one (1) year will be substituted for
such three (3) month period; provided, further that such time limits may be exceeded by the Committee under the terms of the grant, in which case, the Incentive Stock Option will be a Nonqualified Option if it is exercised after the time limits
that would otherwise apply. For purposes of this Subsection (e), a Termination of Employment of the Participant will not be deemed to have occurred if the Participant is employed by another corporation (or a parent or subsidiary corporation of such
other corporation) which has assumed the Incentive Stock Option of the Participant in a transaction to which Code Section 424(a) is applicable. 
 (f) Special Provisions for Certain Substitute Options. Notwithstanding anything to the contrary in this Section 3.2, any Option issued in substitution for an option previously issued by another
entity, which substitution occurs in connection with a transaction to which Code Section 424(a) is applicable, may provide for an exercise price computed in accordance with such Code Section and the regulations thereunder and may contain such
other terms and conditions as the Committee may prescribe to cause such substitute Option to contain as nearly as possible the same terms and conditions (including the applicable vesting and termination provisions) as those contained in the
previously issued option being replaced thereby. 
 (g) No Reload Grants. Options shall not be granted under the Plan
in consideration for and shall not be conditioned upon the delivery of shares of Stock to the Company in payment of the exercise price and/or tax withholding obligation under any other option held by a Participant. 
  

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 3.3 Terms and Conditions of Stock Appreciation Rights. Each Stock Appreciation Right granted under
the Plan must be evidenced by an Award Agreement. A Stock Appreciation Right entitles the Participant to receive the excess of (1) the Fair Market Value of a specified or determinable number of shares of the Stock at the time of payment or
exercise over (2) a specified or determinable price, which may not be less than Fair Market Value on the date of grant. A Stock Appreciation Right granted in connection with an Award may only be exercised to the extent that the related
Award has not been exercised, paid or otherwise settled. 
 (a) Settlement. Upon settlement of a Stock Appreciation
Right, the Company must pay to the Participant, at the discretion of the Committee, the appreciation in cash or shares of Stock (valued at the aggregate Fair Market Value on the date of payment or exercise) as provided in the Award Agreement or, in
the absence of such provision, as the Committee may determine. 
 (b) Conditions to Exercise. Each Stock Appreciation
Right granted under the Plan is exercisable or payable at such time or times, or upon the occurrence of such event or events, and in such amounts, as the Committee specifies in the Award Agreement; provided, however, that subsequent to the grant of
a Stock Appreciation Right, the Committee, at any time before complete termination of such Stock Appreciation Right, may accelerate the time or times at which such Stock Appreciation Right may be exercised or paid in whole or in part. 
 3.4 Terms and Conditions of Stock Awards. The number of shares of Stock subject to a Stock Award and restrictions or conditions on such shares, if
any, will be as the Committee determines, and the certificate for such shares will bear evidence of any restrictions or conditions. Subsequent to the date of the grant of the Stock Award, the Committee has the power to permit, in its
discretion, an acceleration of the expiration of an applicable restriction period with respect to any part or all of the shares granted to a Participant. The Committee may require a cash payment from the Participant in an amount no greater than the
aggregate Fair Market Value of the shares of Stock granted determined at the date of grant in exchange for the grant of a Stock Award or may grant a Stock Award without the requirement of a cash payment. 
 3.5 Terms and Conditions of Dividend Equivalent Rights. A Dividend Equivalent Right entitles the Participant to receive payments from the Company
in an amount determined by reference to any cash dividends paid on a specified number of shares of Stock to Company stockholders of record during the period such rights are effective. The Committee may impose such restrictions and conditions on any
Dividend Equivalent Right as the Committee in its discretion shall determine, including the date any such right shall terminate and may reserve the right to terminate, amend or suspend any such right at any time. 
 (a) Payment. Payment in respect of a Dividend Equivalent Right may be made by the Company in cash or shares of Stock (valued at
Fair Market Value as of the date payment is owed) as provided in the Award Agreement or Award Program, or, in the absence of such provision, as the Committee may determine. 
  

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 (b) Conditions to Payment. Each Dividend Equivalent Right granted under the Plan
is payable at such time or times, or upon the occurrence of such event or events, and in such amounts, as the Committee specifies in the applicable Award Agreement or Award Program; provided, however, that subsequent to the grant of a Dividend
Equivalent Right, the Committee, at any time before complete termination of such Dividend Equivalent Right, may accelerate the time or times at which such Dividend Equivalent Right may be paid in whole or in part. 
 3.6 Terms and Conditions of Performance Awards. A Performance Award shall entitle the Participant to receive, at a specified future date, payment
of an amount equal to all or a portion of either (i) the value of a specified or determinable number of units (stated in terms of a designated or determinable dollar amount per unit) granted by the Committee, or (ii) a percentage or
multiple of a specified amount determined by the Committee. At the time of the grant, the Committee must determine the base value of each unit; the number of units subject to a Performance Award, the specified amount and the percentage or multiple
of the specified amount, as may be applicable; and the Performance Goals applicable to the determination of the ultimate payment value of the Performance Award. The Committee may provide for an alternate base value for each unit or an alternate
percentage or multiple under certain specified conditions. 
 (a) Payment. Payment in respect of Performance Awards may
be made by the Company in cash or shares of Stock (valued at Fair Market Value as of the date payment is owed) as provided in the applicable Award Agreement or Award Program or, in the absence of such provision, as the Committee may determine.

 (b) Conditions to Payment. Each Performance Award granted under the Plan shall be payable at such time or times, or
upon the occurrence of such event or events, and in such amounts, as the Committee may specify in the applicable Award Agreement or Award Program; provided, however, that subsequent to the grant of a Performance Award, the Committee, at any time
before complete termination of such Performance Award, may accelerate the time or times at which such Performance Award may be paid in whole or in part. 
 3.7 Terms and Conditions of Restricted Stock Units. Restricted Stock Units shall entitle the Participant to receive, at a specified future date or event, payment of an amount equal to all or a portion of the
Fair Market Value of a specified number of shares of Stock at the end of a specified period. At the time of the grant, the Committee will determine the factors which will govern the portion of the Restricted Stock Units so payable, including, at the
discretion of the Committee, any performance criteria, including any Performance Goals, that must be satisfied as a condition to payment. Restricted Stock Unit Awards containing performance criteria, including any Performance Goals, may be
designated as performance share awards. 
 (a) Payment. Payment in respect of Restricted Stock Units may be made by the
Company, at the discretion of the Committee, in cash or shares of Stock (valued at Fair Market Value as of the date payment is owed) as provided in the applicable Award Agreement or Award Program, or, in the absence of such provision, as the
Committee may determine. 
  

 15 

 (b) Conditions to Payment. Each Restricted Stock Unit granted under the Plan is
payable at such time or times, or upon the occurrence of such event or events, and in such amounts, as the Committee may specify in the applicable Award Agreement or Award Program; provided, however, that subsequent to the grant of a Restricted
Stock Unit, the Committee, at any time before complete termination of such Restricted Stock Unit, may accelerate the time or times at which such Restricted Stock Unit may be paid in whole or in part. 
 3.8 Terms and Conditions of Phantom Stock. Phantom Stock shall entitle the Participant to receive, at a specified future date, payment of an
amount equal to all or a portion of the Fair Market Value of a specified number of shares of Stock at the end of a specified period. At the time of the grant, the Committee shall determine the factors which will govern the portion of the rights so
payable, including, at the discretion of the Committee, any Performance Goals that must be satisfied as a condition to payment. 
 (a) Payment. Payment in respect of Phantom Stock may be made by the Company in cash or shares of Stock (valued at Fair Market Value on the date of payment) as provided in the Award Agreement, or, in the absence of such provision, as
the Committee may determine. 
 (b) Conditions to Payment. Each grant of Phantom Stock under the Plan shall be payable
at such time or times, or upon the occurrence of such event or events, and in such amounts, as the Committee shall specify in the applicable Award Agreement or Award Program; provided, however, that subsequent to the grant of a Phantom Stock, the
Committee, at any time before complete termination of such Phantom Stock, may accelerate the time or times at which such Phantom Stock may be paid in whole or in part. 
 3.9 Treatment of Awards on Termination of Service. Except as otherwise provided by Plan Section 3.2(e), any Award under this Plan to a Participant who has experienced a Termination of Employment,
Separation from Service, or termination of some other service relationship with the Company and its Affiliates may be cancelled, accelerated, paid or continued, as provided in the applicable Award Agreement or Award Program, or, as the Committee may
otherwise determine to the extent not prohibited by the Plan. The portion of any Award exercisable in the event of continuation or the amount of any payment due under a continued Award may be adjusted by the Committee to reflect the
Participant’s period of service from the date of grant through the date of the Participant’s Termination of Employment, Separation from Service or termination of some other service relationship or such other factors as the Committee
determines are relevant to its decision to continue the Award. 
 SECTION 4 RESTRICTIONS ON STOCK 
 4.1 Escrow of Shares. Any certificates representing the shares of Stock issued under the Plan will be issued in the Participant’s name, but,
if the applicable Award Agreement or 

  

 16 

 
Award Program so provides, the shares of Stock will be held by a custodian designated by the Committee (the “Custodian”). Each applicable Award
Agreement or Award Program providing for transfer of shares of Stock to the Custodian may require a Participant to complete an irrevocable stock power appointing the Custodian or the Custodian’s designee as the attorney-in-fact for the
Participant for the term specified in the applicable Award Agreement or Award Program, with full power and authority in the Participant’s name, place and stead to transfer, assign and convey to the Company any shares of Stock held by the
Custodian for such Participant, if the Participant forfeits the shares under the terms of the applicable Award Agreement or Award Program. During the period that the Custodian holds the shares subject to this Section, the Participant is
entitled to all rights, except as provided in the applicable Award Agreement or Award Program, applicable to shares of Stock not so held. Any dividends declared on shares of Stock held by the Custodian must, as provided in the applicable Award
Agreement or Award Program, be paid directly to the Participant or, in the alternative, be retained by the Custodian or by the Company until the expiration of the term specified in the applicable Award Agreement or Award Program and shall then be
delivered, together with any proceeds, with the shares of Stock to the Participant or to the Company, as applicable. 
 4.2 Restrictions
on Transfer. The Participant does not have the right to make or permit to exist any disposition of the shares of Stock issued pursuant to the Plan except as provided in the Plan or the applicable Award Agreement or Award Program. Any disposition
of the shares of Stock issued under the Plan by the Participant not made in accordance with the Plan or the applicable Award Agreement or Award Program will be void. The Company will not recognize, or have the duty to recognize, any disposition not
made in accordance with the Plan and the applicable Award Agreement or Award Program, and the shares so transferred will continue to be bound by the Plan and the applicable Award Agreement or Award Program. 
 SECTION 5 GENERAL PROVISIONS 
 5.1
Withholding. The Company must deduct from all cash distributions under the Plan any taxes required to be withheld by federal, state or local government. Whenever the Company proposes or is required to issue or transfer shares of Stock under
the Plan or upon the vesting of any Stock Award, the Company has the right to require the recipient to remit to the Company an amount sufficient to satisfy any federal, state and local tax withholding requirements prior to the delivery of any
certificate or certificates for such shares or the vesting of such Stock Award. A Participant may satisfy the withholding obligation in cash, cash equivalents, or if and to the extent the applicable Award Agreement or Award Program so provides, a
Participant may elect to have the number of shares of Stock he is to receive reduced by, or tender back to the Company, the smallest number of whole shares of Stock which, when multiplied by the Fair Market Value of the shares of Stock, is
sufficient to satisfy federal, state and local, if any, withholding obligation arising from exercise or payment of an Award. 
 5.2
Changes in Capitalization; Merger; Liquidation. 
 (a) The number of shares of Stock reserved for the grant of Options,
Dividend Equivalent Rights, Performance Awards, Restricted Stock Units, Stock Appreciation 

  

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Rights and Stock Awards; the number of shares of Stock reserved for issuance upon the exercise, settlement, or payment, as applicable, of each outstanding
Option, Dividend Equivalent Right, Performance Award, Restricted Stock Unit and Stock Appreciation Right and upon vesting, settlement, or grant, as applicable, of each Stock Award; the Exercise Price of each outstanding Option, the threshold price
of each outstanding Stock Appreciation Right, the specified number of shares of Stock to which each outstanding Option, Dividend Equivalent Right, Performance Award, Restricted Stock Unit, Stock Appreciation Right, and Stock Award pertains, and the
maximum number of shares as to which Options, Stock Appreciation Rights, and other Awards may be granted to an employee during any calendar year, shall be proportionately adjusted for any nonreciprocal transaction between the Company and the holders
of capital stock of the Company that causes the per share value of the shares of Stock underlying a Stock Award to change, such as a stock dividend, stock split, spinoff, rights offering, or recapitalization through a large, nonrecurring cash
dividend (each, an “Equity Restructuring”); provided, however, that in the case of a Nonqualified Stock Option or a Stock Appreciation Right, the Committee shall consider any provisions of Code Section 409A and the regulations
thereunder that are required to be followed as a condition of the Nonqualified Stock Option and the Stock Appreciation Right not being treated as the grant of a new Option or Stock Appreciation Right or a change in the form of payment. Any
adjustment described in the preceding sentence may include a substitution in whole or in part of other equity securities of the issuer and the class involved in such Equity Restructuring in lieu of the shares of Stock that are subject to the Award.

 (b) In the event of a merger, consolidation, reorganization, extraordinary dividend, sale of substantially all of the
Company’s assets, other change in capital structure of the Company, tender offer for shares of Stock, or a change in control of the Company (as defined by the Committee in the applicable Award Agreement), that in each case does not constitute
an Equity Restructuring, the Committee may make such adjustments with respect to Awards and take such other action as it deems necessary or appropriate, including, without limitation, the substitution of new Awards, the assumption of awards not
originally granted under the Plan, or the adjustment of outstanding Awards, the acceleration of Awards, the removal of restrictions on outstanding Awards, or the termination of outstanding Awards in exchange for the cash value determined in good
faith by the Committee of the vested and/or unvested portion of the Award, all as may be provided in the applicable Award Agreement or, if not expressly addressed therein, as the Committee subsequently may determine in its sole discretion. Any
adjustment pursuant to this Section 5.2 may provide, in the Committee’s discretion, for the elimination without payment therefor of any fractional shares that might otherwise become subject to any Award, but except as set forth in this
Section may not otherwise diminish the then value of the Award. 
 (c) The existence of the Plan and the Awards granted
pursuant to the Plan shall not affect in any way the right or power of the Company to make or authorize any adjustment, reclassification, reorganization or other change in its capital or business structure, any merger or consolidation of the
Company, any issue of debt or equity securities having preferences or priorities as to the Stock or the rights thereof, the dissolution or liquidation of the Company, any sale or transfer of all or any part of its business or assets, or any other
corporate act or proceeding. 
  

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 5.3 Cash Awards. The Committee may, at any time and in its discretion, grant to any holder of
an Award the right to receive, at such times and in such amounts as determined by the Committee in its discretion, a cash amount which is intended to reimburse such person for all or a portion of the federal, state and local income taxes imposed
upon such person as a consequence of the receipt of the Award or the exercise of rights thereunder. 
 5.4 Compliance with Code.

 (a) Code Section 422. All Incentive Stock Options to be granted hereunder are intended to comply with Code
Section 422, and all provisions of the Plan and all Incentive Stock Options granted hereunder must be construed in such manner as to effectuate that intent. 
 (b) Code Section 409A. Except to the extent provided otherwise by the Committee, Awards under the Plan are intended to satisfy
the requirements of Section 409A of the Code (and the Treasury Department guidance and regulations issued thereunder) so as to avoid the imposition of any additional taxes or penalties under Code Section 409A. If the Committee determines
that an Award, Award Agreement, Award Program, payment, distribution, deferral election, transaction or any other action or arrangement contemplated by the provisions of the Plan would, if undertaken, cause a Participant to become subject to any
additional taxes or other penalties under Code Section 409A, then unless the Committee provides otherwise, such Award, Award Agreement, Award Program, payment, distribution, deferral election, transaction or other action or arrangement shall
not be given effect to the extent it causes such result and the related provisions of the Plan, Award Agreement, and / or Award Program will be deemed modified, or, if necessary, suspended in order to comply with the requirements of Code
Section 409A to the extent determined appropriate by the Committee, in each case without the consent of or notice to the Participant. 
 5.5 Right to Terminate Employment or Service. Nothing in the Plan or in any Award Agreement confers upon any Participant the right to continue as an officer, employee, director, or other service provider of the Company or any of its
Affiliates or affect the right of the Company or any of its Affiliates to terminate the Participant’s employment or services at any time. 
 5.6 Non-Alienation of Benefits. Other than as provided herein, no benefit under the Plan may be subject in any manner to anticipation, alienation, sale, transfer, assignment, pledge, encumbrance or charge; and any attempt to do so
shall be void. No such benefit may, prior to receipt by the Participant, be in any manner liable for or subject to the debts, contracts, liabilities, engagements or torts of the Participant. 
 5.7 Restrictions on Delivery and Sale of Shares; Legends. Each Award is subject to the condition that if at any time the Committee, in its
discretion, shall determine that the listing, 

  

 19 

 
registration or qualification of the shares covered by such Award upon any securities exchange or under any state or federal law is necessary or desirable as
a condition of or in connection with the granting of such Award or the purchase or delivery of shares thereunder, the delivery of any or all shares pursuant to such Award may be withheld unless and until such listing, registration or qualification
shall have been effected. If a registration statement is not in effect under the Securities Act of 1933 or any applicable state securities laws with respect to the shares of Stock purchasable or otherwise deliverable under Awards then outstanding,
the Committee may require, as a condition of exercise of any Option or as a condition to any other delivery of Stock pursuant to an Award, that the Participant or other recipient of an Award represent, in writing, that the shares received pursuant
to the Award are being acquired for investment and not with a view to distribution and agree that the shares will not be disposed of except pursuant to an effective registration statement, unless the Company shall have received an opinion of counsel
that such disposition is exempt from such requirement under the Securities Act of 1933 and any applicable state securities laws. The Company may include on certificates representing shares delivered pursuant to an Award such legends referring to the
foregoing representations or restrictions or any other applicable restrictions on resale as the Company, in its discretion, shall deem appropriate. 
 5.8 Listing and Legal Compliance. The Committee may suspend the exercise or payment of any Award so long as it determines that securities exchange listing or registration or qualification under any securities laws is required in
connection therewith and has not been completed on terms acceptable to the Committee. 
 5.9 Termination and Amendment of the Plan.
The Board of Directors at any time may amend or terminate the Plan without stockholder approval; provided, however, that the Board of Directors may condition any amendment on the approval of stockholders of the Company if such approval is necessary
or advisable with respect to tax, securities or other applicable laws. The Board of Directors shall consider that to preserve the Plan’s ability to grant Incentive Stock Options, stockholder approval is required for any amendment to the Plan
that increases the number of shares of Stock available for the grant of Incentive Stock Options under the Plan or changes the class or classes of employees eligible to receive Incentive Stock Options or if the Plan is assumed in connection with a
corporate transaction which results in a change in either the granting corporation or the stock available for purchase or grant under the Plan; provided, however, if the consolidation agreement fully describes the Plan and such agreement is approved
by the stockholders, no further stockholder approval of the Plan shall be required. No such termination or amendment without the consent of the holder of an Award may adversely affect the rights of the Participant under such Award. 
 5.10 Stockholder Approval. The Plan must be submitted to the stockholders of the Company for their approval within twelve (12) months before
or after the adoption of the Plan by the Board of Directors of the Company. If such approval is not obtained, any Award granted hereunder will be void. 
 5.11 Choice of Law. The laws of the State of Georgia shall govern the Plan, to the extent not preempted by federal law, without reference to the principles of conflict of laws. 
  

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 5.12 Effective Date of Plan. The Plan shall become effective as of the date the Plan was
approved by the Board of Directors. 
 IN WITNESS WHEREOF, the Company has executed this Plan, and the Plan has become effective as of
                    , 2008. 
  

			
	BUCKHEAD COMMUNITY BANCORP, INC.
		
	By:	 	  

	Title:	 	  

  

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