Document:

EX-10.2

 Exhibit 10.2 

TRIPLE NET OFFICE LEASE AGREEMENT 

THIS TRIPLE NET OFFICE LEASE AGREEMENT (this “Lease”) is made and entered into on this 12 day of June, 2012, by and between
BERRY FARMS REAL ESTATE PARTNERS, LLC, a Tennessee limited liability company, (“Landlord”), and FRANKLIN SYNERGY BANK, a Tennessee banking corporation (“Tenant”). 

1. Leased Premises. 
 a.
Subject to and upon the terms hereinafter set forth, and in consideration of the sum of Ten Dollars ($10.00) and the mutual covenants set forth herein, the receipt and sufficiency of which are hereby acknowledged, Landlord does hereby lease and
demise to Tenant, and Tenant does hereby lease and take from Landlord, approximately a range of 3,000 to 3,500 rentable square feet of the building located on certain improved real property municipally known as Lot 307, or Outparcel “K”,
in the Berry Farms Town Center Section 3 located in Franklin, Williamson County, Tennessee, and more particularly described in Exhibit A attached hereto (the “Premises”). 

b. Tenant’s taking possession of the Premises or any portion thereof shall be conclusive evidence against Tenant that such portion of the
Premises was then in good order and satisfactory condition, subject to any “punch list” items identified in writing from Tenant to Landlord within thirty (30) days following completion of Landlord’s Work, and further subject to
any latent defects in Landlord’s Work of which Tenant notifies Landlord in writing within one (1) year from the completion of Landlord’s Work. Except to the extent expressly set forth in this Lease, Tenant acknowledges that no promise
by or on behalf of Landlord, any of Landlord’s beneficiaries, or any of their respective agents, partners or employees to alter, remodel, improve, repair, decorate or clean the Premises has been made to or relied upon by Tenant, and that no
representation respecting the condition of the Premises by or on behalf of Landlord, any of Landlord’s beneficiaries, or any of their respective agents, partners or employees has been made to or relied upon by Tenant. 

2. Term. Subject to and upon the terms and conditions set forth herein, or in any exhibit hereto, the term (together with any
extensions or renewals thereof, the “Term”) of this Lease shall commence on the Commencement Date (defined below) and shall expire one hundred eighty months (180) after the Commencement Date. “Commencement Date” shall mean
the date Tenant begins its business operations in the Premises but in no event later than 30 days after Landlord completes Landlord’s Work and delivers possession of the Premises to Tenant by Landlord giving Tenant written notice. For purposes
of clarification, immaterial “punch list” items identified by Tenant pursuant to Section 1 (b) shall not affect the Commencement Date, unless they materially and adversely affect Tenant’s ability to (i) operate its
business in the Premises or (ii) complete Tenant’s build out of the Premises. The Commencement Date shall be set forth in a Commencement Agreement, identical in the form to that attached hereto as Exhibit B and executed by Landlord
and Tenant. 

  
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 3. Use. The Premises are to be used and occupied solely for the purpose of providing
banking and financial services and office space and for any other lawful use, but for no unlawful purpose. Tenant shall not use or allow the Premises to be used for any improper, immoral, disreputable or objectionable purpose, and Tenant shall not
cause, maintain or permit any nuisance or waste in, on or about the Premises. Without limitation of the foregoing, in no event shall Tenant use or permit the use of all or any portion of the Premises (i) as and/or for sleeping quarters and/or
lodging or (ii) for any unlawful purpose of any kind whatsoever and howsoever arising. 
 4. Rent. 

a. Commencing on the Commencement Date and continuing thereafter throughout the full Term of this Lease, Tenant hereby agrees to pay the
annual Base Rental (defined and set forth below) and Additional Rental (defined below). The Base Rental shall be due and payable in advance in twelve equal monthly installments on the first day of each calendar month at Landlord’s address as
provided herein (or such other address as may be designated by Landlord from time to time). If the Commencement Date is other than the first day of a calendar month or if this Lease expires on other than the last day of a calendar month, then the
installments of Base Rental for such month or months shall be prorated. 
 “Base Rental” shall mean the amount of rent due to
Landlord per square foot for the first year of the Term as set forth in the Base Rental Agreement by and between Landlord and Tenant, in the form attached hereto as Exhibit B, to be executed and delivered to Landlord before the Commencement
Date; provided, however, that Base Rental for the first year of Term shall not be less than $26.00 per square foot and not more than $30.00 per square foot for the Premises. 
  

							
	 Year
	 	 Per Square Foot First Floor
	 	 Total Per Annum
	 	 Total Per Month

	1	 	TBD	 	TBD	 	TBD

 Following the first year of the Term, Base Rental shall increase on each anniversary of the Commencement Date
as set forth herein. Effective on each Adjustment Date (defined below), Base Rental shall be increased (relative to the previous year’s Base Rental) by the percentage increase, if any, in the CPI (defined below); provided, however, that each
annual increase in Base Rental shall not be less than 1.5% of the previous year’s annual Base Rental and not more than 3.5% of the previous year’s annual Base Rental. “Adjustment Date” shall mean, as the case may require, each
anniversary of the Commencement Date; provided, however, if the Commencement Date is other than the first day of the month, then “Adjustment Date” shall mean, as the case may require, the first day of the first month occurring after each
anniversary of the Commencement Date. As used herein, “CPI” shall mean the Consumer Price Index for All Urban Consumers – South Urban Area, All 

  
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Items, U.S.A. Area, 1982-1984 = 100, as published by the Bureau of Labor Statistics, United States Department of Labor (U.S. City Average). If such index is discontinued, CPI shall then mean the
most nearly comparable index published by the Bureau of Labor Statistics or other official agency of the United States Government as determined by Landlord. 

b. All sums other than Base Rental due Landlord under this Lease (including, without limitation, amounts reimbursed to Landlord or for which
Tenant must indemnify Landlord, late fees, and attorney fees and costs) shall be additional rental (“Additional Rental”). Base Rental and Additional Rental collectively are referred to as “Rental” or “Rent”. 

c. Tenant hereby agrees to pay to Landlord first month’s Base Rental on the day this Lease is executed by Tenant. Due to the Base Rental
not being set until Exhibit B is formalized, Tenant shall pay seven thousand dollars ($7,000) as payment toward first month’s rent. This monthly rent was calculated using the median of the range of monthly rents as shown under section 4(a). If
the monthly rent determined on Exhibit B is lower than this estimated amount, the Tenant will receive a credit of the difference for the next month’s rent. However, if the monthly rent determined on Exhibit B is higher than this
estimated amount, Tenant will make up the difference in the following month’s rent payment. 
 5. Renewal Options. 

a. Tenant shall have the right and option to renew the Lease (“Renewal Option”) for two (2) successive renewal periods of five
(5) years each (each, an “Option Term”); provided, however, the Renewal Option is contingent upon the following: (i) there is not an Event of Default beyond all applicable cure period(s) at the time Tenant gives Landlord notice
of Tenant’s intention to exercise the Renewal Option or at the expiration of the current Term; (ii) no event has occurred that upon notice or the passage of time would constitute an Event of Default, unless Landlord has given notice of
default and Tenant is diligently attempting to cure such event; and (iii) Tenant is occupying the Premises. Following expiration of the final Option Term allowable hereunder, Tenant shall have no further right to renew the Lease pursuant to
this Section 5. 
 b. Tenant shall exercise the Renewal Option by giving Landlord notice at least one hundred eighty (180) days
prior to the expiration of the current Term. If Tenant fails to give notice to Landlord prior to the 180-day period, then Tenant shall forfeit the Renewal Option. If Tenant exercises the Renewal Option, then during the Option Term, Landlord and
Tenant’s respective rights, duties and obligations shall be governed by the terms and conditions of the Lease, except as provided otherwise in this Section. Time is of the essence in exercising the Renewal Option. 

c. The Base Rental for an Option Term shall be the Fair Market Rental Rate. “Fair Market Rental Rate” shall mean the market rental
rate for the time period such determination is 

  
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being made for office space in same class office buildings in the area of Franklin, Tennessee (the “Area”) of comparable condition for space of equivalent quality, size, utility, and
location. Such determination shall take into account all relevant factors, including, without limitation, the following matters: the credit standing of Tenant; the length of the term; the fact that Landlord will experience no vacancy period and that
Tenant will not suffer the costs and business interruption associated with moving its offices and negotiating a new lease; construction allowances and other tenant concessions that would be available to tenants comparable to Tenant in the Area (such
as moving expense allowance, free rent periods, and lease assumptions and take over provisions, if any, but specifically excluding the value of improvements installed in the Premises at Tenant’s cost), and whether adjustments are then being
made in determining the rental rates for renewals in the Area because of concessions being offered by Landlord to Tenant (or the lack thereof for the Option Term in question). For purposes of such calculation, it will only be assumed that Landlord
is paying a representative of Tenant a brokerage commission in connection with the Option Term in question if Landlord is in fact paying a brokerage commission to a representative of Tenant in connection with the applicable Option Term. 

6. Utilities and Service. Tenant shall pay, when due, all charges for gas, water, electricity and any and all other utility services
used upon the Premises during the Term and any holdover period, including, without limitation, all tap, connection and/or meter fees and deposits. 

7. Security Deposit. Tenant hereby agrees to pay to Landlord a security deposit of seven thousand dollars ($7,000), which is equal to
the estimated first month’s Base Rental, on the day this Lease is executed by Tenant (the “Security Deposit”). Upon the occurrence of any Event of Default by Tenant, Landlord may, from time to time, without prejudice to any other
remedy, use the Security Deposit to the extent necessary to make good any arrears of Base Rental or Additional Rental or any other payment obligation hereunder, including, but not limited to, the cost of any damage, injury, expense, or liability
caused by any Event of Default by Tenant hereunder. Any remaining balance of the Security Deposit shall be returned by Landlord to Tenant within a reasonable period of time after the termination or expiration of this Lease and the satisfaction of
Tenant’s obligations hereunder. The Security Deposit shall not be considered an advance payment of rental or a measure of Landlord’s damages in case of default by Tenant. Tenant shall not be entitled to receive and shall not receive any
interest on the Security Deposit, and Landlord may commingle the same with other monies of Landlord. In the event Landlord applies the Security Deposit or any portion thereof to the payment of any sum described above and this Lease is not
terminated, Tenant shall immediately deposit with Landlord an amount of money equal to the amount so applied, and such amount shall be deemed to be part of the Security Deposit. In the event of a sale or transfer of Landlord’s interest in the
Premises, Landlord shall have the right to transfer the Security Deposit to the purchaser or lessor, as the case may be, and upon any such transfer and acknowledgement of receipt of Security Deposit by such transferee, Landlord shall be relieved of
all liability to Tenant for the return of the Security Deposit, and Tenant shall look solely to the new owner or lessor for the return of the Security Deposit. 

  
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 8. Keys and Locks. Landlord shall furnish Tenant with two (2) keys for each standard
lockset on code required doors entering the Premises from public areas. Additional keys will be Tenant’s responsibility and at Tenant’s expense. All such keys shall remain the property of Landlord. Upon termination of this Lease, Tenant
shall surrender to Landlord all keys to any locks on doors entering or within the Premises, and give to Landlord the explanation of the combination of all locks for safes, safe cabinets and vault doors, if any, in the Premises. 

9. Parking. Landlord shall provide approximately 20 parking spaces on the Premises for Tenant’s use. 

10. Entry for Repairs and Inspection. Tenant shall permit Landlord and its contractors, agents or representatives to enter into and
upon any part of the Premises during reasonable hours to inspect the same; perform maintenance and make repairs, replacements or improvements as set forth under this Lease; and, upon reasonable prior notice to Tenant, for the purpose of showing the
Premises to prospective tenants or purchasers. Landlord shall use its reasonable efforts not to interfere materially with the operation of Tenant’s business during any such entry. 

11. Laws and Regulations; Encumbrances. Tenant shall comply with, and Tenant shall cause its employees, contractors and agents to
comply with, and shall use its best efforts to cause its visitors and invitees to comply with the following, to the extent Tenant has been made aware thereof: (i) all laws, ordinances, orders, rules and regulations of all state, federal,
municipal and other governmental or judicial agencies or bodies relating to the use, condition or occupancy of the Premises; and (ii) all recorded easements, operating agreements, parking agreements, declarations, covenants and instruments
encumbering the Premises. Copies of all documents described above must be provided to Tenant by Landlord upon Landlord receiving written request from Tenant for the specific documents. Landlord warrants that to Landlord’s knowledge, no such
ordinances or other matters of record prohibit Tenant’s use of the Premises as a branch banking facility. 
 12. Hazardous
Substances. Tenant shall comply, at its sole cost and expense, with all laws, ordinances, orders, rules and regulations of all state, federal, municipal and other governmental or judicial agencies or bodies relating to the protection of public
health, safety, welfare or the environment (collectively, “Environmental Laws”) in the use, occupancy and operation of the Premises. Tenant agrees that no Hazardous Substances (defined below) shall be used, located, stored or processed on
the Premises by Tenant or any of its agents, employees, contractors, assigns, subtenants, guest or invitees, and no Hazardous Substances will be released or discharged from the Premises. The term “Hazardous Substances” shall mean and
include all hazardous and toxic substances, waste or materials, any pollutant or contaminant, including, without limitation, PCB’s, 

  
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asbestos and raw materials that include hazardous constituents or any other similar substances or materials that are now or hereafter included under or regulated by any Environmental Laws or that
would pose a health, safety or environmental hazard. Tenant hereby agrees to indemnify, defend and hold harmless Landlord from and against any and all losses, liabilities (including, but not limited to, strict liability), damages, injuries, expenses
(including, but not limited to, court costs, litigation expenses, reasonable attorneys’ fees and costs of settlement or judgment), suits and claims of any and every kind whatsoever paid, incurred or suffered by, or asserted against, Landlord by
any person, entity or governmental agency for, with respect to, or as a direct or indirect result of, the presence in or the escape, leakage, spillage, discharge, emission or release from the Premises of any Hazardous Substances by Tenant or any of
its agents, employees, contractors, assigns, subtenants, guest or invitees. Tenant shall not be responsible for any Hazardous Substances located on the Premises prior to the date Landlord delivers the Premises to Tenant. 

13. Taxes and Assessments. 

a. Tenant shall pay all taxes, license fees, and special charges and assessments levied by any taxing authorities against personal property
which Tenant owns and/or uses within, upon, or about the Premises, or by reason of the conduct and operation of its business thereon, including, without limitation, any special assessments or charges for water and/or sewers. 

b. Tenant shall also pay any and all ad valorem real estate taxes on the Premises and any personal property taxes assessable on any personal
property located on the Premises on or before the same are due to the taxing authority. Landlord shall forward all ad valorem tax bills for the Premises to Tenant immediately upon receipt. Landlord shall have the right to pay such taxes before they
become delinquent if Tenant has not paid as required under this Lease, and such payment on Tenant’s behalf shall be immediately payable to Landlord by Tenant as Additional Rental. 

c. Notwithstanding the foregoing, Tenant shall have no obligation under this Lease to pay: (i) income, profits, intangible, documentary
stamps, franchise, corporate, capital stock, succession, estate, gift or inheritance taxes; (ii) any assessment or additional tax associated with a change in ownership of the Premises; or (iii) governmentally imposed “impact
fees” related to further improvement of the Premises, including, but not limited to, the widening of exterior roads, the installation of or connection to sewer lines, sanitary and storm drainage systems and other utility lines and
installations. 
 d. Tenant shall indemnify Landlord against all taxes (on personal property and real property), licenses fees, special
charges and assessments paid for by Landlord on Tenant’s behalf, and Tenant shall indemnify Landlord against all costs and expenses (including attorney fees) in connection with same. Amounts due Landlord hereunder shall be Additional Rental.

  
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 e. Tenant may at its sole cost and expense, and in its own name and/or in the name of Landlord,
dispute and contest any of the above-described taxes, license fees, special charges, assessments and/or ad valorem real estate taxes by appropriate proceedings diligently conducted in good faith, but only after Tenant has deposited with Landlord or
with an applicable competent authority, in Tenant’s reasonable discretion, the amount so contested and unpaid which shall be held by Landlord (if Landlord is so chosen to hold such deposited funds) in an interest-bearing account until the
termination of the proceedings, at which time the amount deposited shall be applied by Landlord toward the payment of the items held valid (plus any court costs, interest, penalties and other liabilities associated with the proceedings), and
Tenant’s share of any excess shall be returned to Tenant. Tenant shall indemnify, defend and hold harmless Landlord from and against any cost, damage or expense, including attorney’s fees, actually and reasonably incurred by Landlord, as
Additional Rental, in connection with any such proceedings. 
 14. Leasehold Improvements. 

a. Following completion of Landlord’s Work (defined in Exhibit C hereto) and Tenant’s acceptance of the Premises from
Landlord, subject to the “punch list” items and latent defects identified in accordance with Section 1(b) above, Tenant accepts the same “AS IS” without any agreements, representations, understandings or obligations on the
part of Landlord to perform any alterations, repairs or improvements except as expressly set forth in this Lease. ADDITIONALLY, EXCEPT AS EXPRESSLY SET FORTH IN THIS LEASE, LANDLORD MAKES NO WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE
LEASEHOLD IMPROVEMENTS OR TO LANDLORD’S WORK, AND ALL IMPLIED WARRANTIES WITH RESPECT TO THE PREMISES, INCLUDING WITHOUT LIMITATION THOSE OF SUITABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE HEREBY EXPRESSLY NEGATED AND WAIVED. 

b. Tenant shall be entitled to a Tenant Improvement Allowance (defined and set forth in Exhibit C). Notwithstanding the Tenant
Improvement Allowance, Tenant agrees that it will make no exterior or structural alterations or additions to the Premises nor post or attach or affix to the exterior of the Premises, any signs, air conditioners or other objects without memorializing
such proposed alterations, attachments, or fixtures in a Tenant work letter (in form acceptable to Landlord) and obtaining Landlord’s prior written consent to same. Notwithstanding the foregoing, Tenant shall have the right to make interior,
non-structural alterations to the Premises without Landlord’s consent, so long as such alterations do not (i) affect the structure or electrical, plumbing, or mechanical systems of the Premises; or (ii) decrease the value of the
Premises. Except as may be covered by Tenant’s Improvement Allowance, Tenant shall be responsible for the cost of such alterations or signs. Tenant shall have the right to install its trade fixtures and equipment in, upon and about the
Premises; provided, however, that Tenant shall remove the same on or before the expiration of this Lease, and if so requested by Landlord, promptly after any termination of this Lease; and provided, further, that Tenant shall promptly thereafter
repair all damage caused to the Premises by reason of such installation or removal. 

  
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 c. Tenant shall indemnify and hold Landlord harmless from and against all costs (including
reasonable attorneys’ fees and costs of suit), losses, liabilities, or causes of action arising out of or relating to any alterations, additions or improvements made by Tenant to the Premises, including, but not limited to, work not completed
in a workmanlike manner and any contractor’s, mechanics’ or materialman’s liens asserted in connection therewith. This indemnification obligation shall survive the Term of this Lease. 

d. Should any contractor’s, mechanic’s or other liens be filed against any portion of the Premises by reason of Tenant’s acts
or omissions or because of a claim against Tenant, Tenant shall cause the same to be canceled or discharged of record by bond or otherwise within thirty (30) days after notice by Landlord. If Tenant shall fail to cancel or discharge said lien
or liens, within said thirty (30) day period, Landlord may, at its sole option, cancel or discharge the same and upon Landlord’s demand, Tenant shall promptly reimburse Landlord for all reasonable costs incurred in canceling or discharging
such liens, including attorney fees in connection with same. 
 15. Maintenance and Repairs to the Premises. Following completion of
Landlord’s Work, but subject to any “punch list” items, latent defects, or other defects expressly covered by any warranty under this Lease, Tenant shall make and pay for any and all repairs or replacements to any and all portions of
the interior and exterior of the Premises which are necessary to keep the same in a good state of repair or condition, such as, but not limited to, the roof and all structural members of the building, all fixtures, furnishings, lighting, air
conditioning, plumbing, heating, electrical, floors, walls, ventilation systems, and any and all other parts of the building or other portions of the Premises. The parking lot, landscaping, plantings, and the exterior of the Premises will be
maintained by the HOA in a good and neat condition at all times, and this expense shall be paid by Tenant. Tenant shall perform all maintenance, repairs, replacements and improvements required by any governmental law, ordination, rule or regulation.
Notwithstanding anything in this Lease to the contrary, Tenant shall not be required to construct or install any item that is capital in nature, unless the need for such installation or construction is caused by Tenant’s negligence or willful
misconduct. Without limiting Tenant’s maintenance and repair obligations hereunder, in the event Tenant fails to commence, within ten (10) days after written notice from Landlord to Tenant, or to diligently complete, any maintenance,
repairs, replacements or improvements necessitated by Tenant’s negligence or willful conduct, or necessitated by Tenant’s waste of the Premises, Landlord may, at its option, perform any such maintenance, repairs, replacements or
improvements deemed necessary by Landlord, and Tenant shall pay to Landlord on demand Landlord’s cost thereof, plus an administrative fee of ten percent (10%) of such costs as Additional Rental. As used in this Section 15, any
requirement to maintain the Premises in a “good state of repair or condition” shall mean maintenance of the Premises in as good a condition as existed upon the initial completion of the improvements on the Premises, reasonable wear and
tear and damage by casualty excepted. 

  
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 16. Condemnation. If all or substantially all of the Premises, or such portion of the
Premises as would render, in Landlord’s reasonable judgment, the continuance of Tenant’s business from the Premises impracticable, shall be permanently taken or condemned for any public purpose, then Landlord or Tenant may terminate this
Lease. If less than all or substantially all of the Premises shall be taken, then Landlord shall have the option of terminating this Lease by written notice to Tenant within ten (10) days following the date of such condemnation or taking. If
this Lease is terminated as provided above, this Lease shall cease and expire as of the date of the taking. In the event that this Lease is not terminated and a portion of the Premises is taken, Tenant shall pay the Base Rental and Additional Rental
up to the date of the taking, and this Lease shall thereupon cease and terminate with respect to the portion of the Premises so taken. Thereafter the Base Rental and Additional Rental shall be adjusted on an equitable basis. If this Lease is not
terminated, Landlord shall promptly repair the Premises’ building to an architectural unit, fit for Tenant’s occupancy and business; provided, however, that Landlord’s obligation to repair hereunder shall be limited to the extent of
the net proceeds from such taking made available to Landlord for such repair. However, in the event such proceeds are not sufficient to restore the Premises to a condition reasonably suitable for the operation of Tenant’s business, Tenant may
terminate this Lease, at the time Landlord notifies Tenant of the extent to which the Premises will be restored. In the event of any temporary taking or condemnation for any public purpose of the Premises or any portion thereof, this Lease shall
continue in full force and effect except that Base Rental and Additional Rental shall be adjusted on an equitable basis for the period of such taking, and Landlord shall be under no obligation to make any repairs or alterations. In the event of any
taking of the Premises, Tenant hereby assigns to Landlord the value of all or any portion of the unexpired term of the Lease and all leasehold improvements, and Tenant shall not assert a claim for a condemnation award therefor; provided, however,
Tenant may pursue a separate award from the condemning authority for (a) relocation and moving expenses, and (b) compensation for loss of Tenant’s business. 

17. Fire or Casualty. If the building or any improvement on the Premises shall be damaged in any way, in whole or in part, or rendered
untenantable by fire or other casualty, Tenant shall restore the building to its original condition. Rent shall not abate or be reduced following any casualty loss or during any period of restoration. It shall be Tenant’s responsibility to
obtain business interruption insurance coverage to insure against any loss Tenant may suffer as a result of any casualty damage to the Premises as well as Tenant’s inability to use all or any part of the Premises as a result of such casualty.

 18. Insurance. 
 a.
Liability Insurance. Tenant shall, during the entire term hereof keep in full force and effect a policy or policies of public liability, personal and property damage insurance with 

  
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respect to the Premises, in which the limits shall be not less than $2,000,000 in the aggregate, and $1,000,000 per occurrence. Such amounts shall be increased every three (3) years based on
any increase in the Consumer Price Index-All Urban during such 3-year period. The policies shall name Landlord and any lender of Landlord as an additional insured, and shall contain a clause that the insurer will not cancel or change the insurance
without first giving all additional insureds thirty (30) days’ prior written notice. The insurance shall be with an insurance company licensed to do business in Tennessee, and a copy of the policy, or a certificate of insurance together
with proof of premium payment, shall be delivered to Landlord initially and at each renewal hereof. 
 b. Fire and Casualty
Insurance. Landlord agrees to keep in full force and effect a policy or policies or broad form, all risk coverage insurance, in amounts not less than eighty percent (80%) of the reasonable reproduction or replacement value of the Premises
improvements (including all buildings and structures thereon, and all portions thereof), determined annually, and with no reduction for depreciation, use, wear and tear. Landlord shall obtain at least three (3) separate bids for such insurance
(which bids shall be for the same coverage and on comparable terms and conditions), and the least expensive policy shall be selected. With respect to damage or destruction of Premises improvements, which damage or destruction is covered, in whole or
in part, by insurance, it is agreed that the proceeds from such insurance which are paid to Landlord shall be used and applied exclusively for the purpose of making replacements or repairs, if and only if such proceeds are sufficient in amount to
complete such necessary replacements or repairs, which are paid to Landlord are insufficient therefor, Landlord will provide the deficiency, it being the intent of the parties hereto that Landlord shall have the obligation to rebuild, reconstruct or
replace the Premises improvements damaged or destroyed by fire or other casualty with improvements of equal value, whether such casualty shall be insured or not insured against, and whether the proceeds of any such insurance are paid to Landlord.
The insurance shall be with a good and A-rated insurance company licensed to do business in Tennessee, and a copy of the policy, or a certificate of insurance together with proof of premium payment, shall be delivered to Tenant initially and at each
renewal thereof For the first calendar year of the Term, Tenant shall pay to Landlord, on or before the Commencement Date, the total cost of such fire and casualty insurance for such period of time. For calendar years following the first calendar
year of the Term, Tenant shall pay to Landlord, in advance of such calendar year, Landlord’s total estimated cost of such fire and casualty insurance for such upcoming calendar year. Within one hundred twenty (120) days following the
expiration of each calendar year, the estimated cost of such fire and casualty insurance shall be reconciled against the actual cost of such insurance, and any deficiency shall be payable by Tenant to Landlord within ten (10) days following
demand. If such reconciliation reveals an overpayment by Tenant, such excess shall be credited against the next installment of Rent due hereunder or, if the Term has then expired, such excess shall be refunded to Tenant within ten (10) days
following demand. All amounts due Landlord under this section shall be Additional Rental. 
 19. Damages from Certain Causes.
Landlord shall not be liable or responsible to Tenant for any loss or damage to any property or person occasioned by theft, fire, act of God, public 

  
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enemy, riot, strike, insurrection, war, act or omission of any party other than Landlord, any nuisance or interference caused or created by any property owner other than Landlord, requisition or
order of governmental body or authority, court order or injunction, or any cause beyond Landlord’s control or for any damage or inconvenience which may arise through repair or alteration of any part of the Premises as required by this Lease.

 20. Hold Harmless. 

a. Landlord shall not be liable to Tenant, its agents, servants, employees, contractors, customers or invitees for any damage to person or
property caused by any act, omission or neglect of Tenant. Without limiting or being limited by any other indemnity in this Lease, but rather in confirmation and furtherance thereof, Tenant agrees to indemnify, defend by counsel reasonably
acceptable to Landlord and hold Landlord harmless of, from and against any and all losses, damages, liabilities, claims, liens, costs and expenses (including, but not limited to, court costs, reasonable attorneys’ fees and litigation expenses)
in connection with injury to or death of any person or damage to or theft, loss or loss of the use of any property occurring in or about the Premises arising from Tenant’s occupancy of the Premises, or the conduct of its business or from any
activity, work, or thing done, permitted or suffered by Tenant in or about the Premises, or from any breach or default on the part of Tenant in the performance of any covenant or agreement on the part of Tenant to be performed pursuant to the terms
of this Lease, or due to any other act or omission or willful misconduct of Tenant or any of its agents, employees, contractors, assigns, subtenants, guest or invitees. 

b. Tenant shall not be liable to Landlord, its agents, servants, employees, contractors, customers or invitees for any damage to person or
property caused by any act, omission or neglect of Landlord. Without limiting or being limited by any other indemnity in this Lease, but rather in confirmation and furtherance thereof, Landlord agrees to indemnify, defend by counsel reasonably
acceptable to Tenant and hold Tenant harmless of, from and against any and all losses, damages, liabilities, claims, liens, costs and expenses (including, but not limited to, court costs, reasonable attorneys’ fees and litigation expenses) in
connection with injury to or death of any person or damage to or theft, loss or loss of the use of any property occurring in or about the Premises arising from any breach or default on the part of Landlord in the performance of any covenant or
agreement on the part of Landlord to be performed pursuant to the terms of this Lease, or due to any other grossly negligent act or omission or willful misconduct of Landlord or any of its agents or employees. 

21. Default and Remedies. 
  

	 	a.	The occurrence of any of the following shall constitute a default under and breach of this Lease by Tenant (an “Event of Default”): 

 

	 	i)	Failure by Tenant to pay any monetary amounts (including Base Rental and Additional Rental) due hereunder within ten (10) days following written notice of non-payment from Landlord to Tenant; 

  
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	 	ii)	Abandonment of the Premises (defined as any period of one hundred and eighty (180) consecutive days without operation of Tenant’s business in the Premises); 

 

	 	iii)	Failure by Tenant to observe or perform any of the covenants in respect of assignment and subletting of this Lease; 

  

	 	iv)	Failure by Tenant to cure forthwith, immediately after receipt of notice from Landlord, any hazardous condition which Tenant has created or permitted in violation of law or of this Lease; 

 

	 	v)	Failure by Tenant to complete, execute and deliver any instrument or document required to be completed, executed and delivered by Tenant within twenty (20) days after the initial written demand for same to Tenant;

  

	 	vi)	Failure by Tenant to observe or perform any other non-monetary covenant, agreement, condition or provision of this Lease, if such failure shall continue for thirty (30) days after written notice thereof from
Landlord to Tenant; provided that such thirty (30) day period shall be extended for the time reasonably required to complete such cure, if such failure cannot reasonably be cured within said thirty (30) day period and Tenant commences to
cure such failure within said thirty (30) day period and thereafter diligently and continuously proceeds to cure such failure; 

  

	 	vii)	The levy upon execution or the attachment by legal process of the leasehold interest of Tenant, or the filing or creation of a lien in respect of such leasehold interest, which lien shall not be released or discharged
within thirty (30) days from the date of such filing; 

  

	 	viii)	Tenant or any guarantor of Tenant’s obligations under this Lease becomes insolvent or bankrupt or admits in writing its inability to pay its debts as they mature, or makes an assignment for the benefit of
creditors, or applies for or consents to the appointment of a trustee or receiver for all or a major part of its property; 

  

	 	ix)	A trustee or receiver is appointed for Tenant, any guarantor of Tenant’s obligations under this Lease or for a major part of either party’s property and is not discharged within sixty (60) days after such
appointment; 

  
 12 

	 	x)	Any bankruptcy, reorganization, arrangement, insolvency or liquidation proceeding, or other proceeding for relief under any bankruptcy law or similar law for the relief of debtors, is instituted (A) by Tenant or
any guarantor of Tenant’s obligations under this Lease, or (B) against Tenant or any guarantor of Tenant’s obligations under this Lease and is allowed against it or is consented to by it or is not dismissed within sixty (60) days
after such institution; or 

  

	 	xi)	Tenant’s repeated failure to observe or perform any of the other covenants, terms or conditions hereof more than three (3) times, in the aggregate, in any period of twelve (12) consecutive months.

 b. Upon the occurrence of an Event of Default, Landlord agrees to use reasonable efforts to mitigate its damages, but shall
have the option to do and perform any one or more of the following in addition to, and not in limitation of, any other remedy or right permitted it by law or in equity or by this Lease: 

 

	 	i)	Landlord, with or without terminating this Lease, may immediately or at any time thereafter re-enter the Premises and correct or repair any condition which shall constitute a failure on Tenant’s part to keep,
observe, perform, satisfy, or abide by any term, condition, covenant, agreement, or obligation of this Lease, and Tenant shall fully reimburse and compensate Landlord, for Landlord’s actual cost incurred, on demand. 

 

	 	ii)	Landlord, with or without terminating this Lease, may immediately or at any time thereafter demand in writing that Tenant vacate the Premises and thereupon Tenant shall vacate the Premises and remove therefrom all
property thereon belonging to or placed on the Premises by, at the direction of, or with consent of Tenant within ten (10) days of receipt by Tenant of such notice from Landlord, whereupon Landlord shall have the right to re-enter and take
possession of the Premises. 

  

	 	iii)	Landlord, with or without terminating this Lease, may immediately or at any time thereafter, re-enter the Premises and remove therefrom Tenant and all property belonging to or placed on the Premises by, at the direction
of, or with consent of Tenant. Any such re-entry and removal by Landlord shall not of itself constitute an acceptance by Landlord of a surrender of this Lease or of the Premises by Tenant and shall not of itself constitute a termination of this
Lease by Landlord. 

  
 13 

	 	iv)	Landlord, with or without terminating this Lease, may immediately or at any time thereafter relet the Premises or any part thereof for such time or times, at such rental or rentals and upon such other terms and
conditions as Landlord in its sole discretion may deem advisable, and Landlord may make any alterations or repairs to the Premises which it may deem necessary or proper to facilitate such reletting; and Tenant shall pay all reasonable costs of such
reletting; and if this Lease shall not have been terminated, Tenant shall continue to pay all rent and all other charges due under this lease up to and including the date of beginning of payment of rent by any subsequent tenant of part or all of the
Premises, and thereafter Tenant shall pay monthly during the remainder of the term of this Lease the difference, if any, between the rent and other charges collected from any such subsequent tenant or tenants and the rent and other charges reserved
in this Lease, but Tenant shall not be entitled to receive any excess of any such rents collected over the rents reserved herein. 

  

	 	v)	Landlord may immediately or at any time thereafter terminate this Lease, and this Lease shall be deemed to have been terminated upon receipt by Tenant of written notice of such termination; upon such termination
Landlord shall recover from Tenant all damages Landlord may suffer by reason of such termination including, without limitation, unamortized sums expended by Landlord for leasing commissions and construction of tenant improvements, all arrearages in
rentals, costs, charges, additional rentals, and reimbursements, the cost (including court costs and attorneys’ fees) of recovering possession of the Premises, the cost of any alteration of or repair to the Premises which is necessary or proper
to prepare the same for reletting and, in addition thereto, Landlord at its election shall have and recover from Tenant either (A) an amount equal to the excess, if any, of the total amount of all rents and other charges to be paid by Tenant
for the remainder of the term of this Lease over the then reasonable rental value of the Premises for the remainder of the term of this Lease, or (B) the rents and other charges which Landlord would be entitled to receive from Tenant pursuant
to the provisions of subsection (iv) if the Lease were not terminated. Such election shall be made by Landlord by serving written notice upon Tenant of its choice of one of the two said alternatives within thirty (30) days of the notice of
termination. 

  

	 	vi)	 The exercise by Landlord of any one or more of the rights and remedies provided in this Lease shall not prevent the subsequent exercise by Landlord of
any one or more of the other rights and remedies herein provided. All 

  
 14 

	 	
remedies provided for in this Lease are cumulative and may, at the election of Landlord, be exercised alternatively, successively, or in any other manner and are in addition to any other rights
provided for or allowed by law or in equity. 

  

	 	vii)	No act by Landlord with respect to the Premises shall terminate this Lease, including, but not limited to, acceptance of the keys, institution of an action for detainer or other dispossessory proceedings, it being
understood that this Lease may only be terminated by express written notice from Landlord to Tenant, and any reletting of the Premises shall be presumed to be for and on behalf of Tenant, and not Landlord, unless Landlord expressly provides
otherwise in writing to Tenant. 

 (c) In the event Landlord fails to perform any of its obligations under this Lease and such
non-performance continues for a period of thirty (30) days following written notice of default from Tenant, Landlord shall be deemed to be in material default of this Lease, and Tenant shall have all remedies available at law, in equity or
under this Lease; provided, however, that such thirty (30) day period shall be extended for the time reasonably required to complete such cure, if such failure cannot reasonably be cured within said thirty (30) day period and Landlord
commences to cure such failure within said thirty (30) day period and thereafter diligently and continuously proceeds to cure such failure. 

22. Late Payments. In the event any installment of any Rental owed by Tenant hereunder is not paid within 10 days, Tenant shall pay a
late charge equal to the greater of $100.00 or five percent (5%) of the amount due. The parties agree that such charge is a fair and reasonable estimate of Landlord’s administrative expense incurred on account of late payment. Should
Tenant make a partial payment of past due amounts, the amount of such partial payment shall be applied first to reduce all accrued and unpaid late charges, in inverse order of their maturity, and then to reduce all other past due amounts, in inverse
order of their maturity. 
 23. Attorney’s Fees. If either party initiates any action to enforce its rights under this Lease or
the terms hereof, the prevailing party shall be entitled to collect from the other party all court costs, reasonable attorneys fees and litigation expenses, including, but not limited to, costs of depositions and expert witnesses, that the
prevailing party actually incurs in connection with such action. 
 24. No Waiver of Rights. No failure or delay of Landlord to
exercise any right or power given it herein or to insist upon strict compliance by Tenant of any obligation imposed on it herein and no custom or practice of either party hereto at variance with any term hereof shall constitute a waiver or a
modification of the terms hereof by Landlord or any right it has herein to demand strict compliance with the terms hereof by Tenant. No waiver of any right of Landlord or any default by Tenant on one occasion shall operate as a waiver of any of
Landlord’s other rights or 

  
 15 

 
of any subsequent default by Tenant. No express waiver shall affect any condition, covenant, rule, or regulation other than the one specified in such waiver and then only for the time and in the
manner specified in such waiver. No person has or shall have any authority to waive any provision of this Lease unless such waiver is expressly made in writing and signed by an authorized officer of Landlord. 

25. Holding Over. In the event of holding over by Tenant after expiration or termination of this Lease without the written consent of
Landlord, Tenant shall pay as rent for such holdover period one hundred fifty percent (150%) of the Rental that would have been payable if this Lease had not so terminated or expired). No holding over by Tenant after the term of this Lease
shall be construed to extend this Lease, and Tenant shall be deemed a tenant at will, terminable on five (5) days notice from Landlord. In the event of any unauthorized holding over, Tenant shall indemnify Landlord against all claims for
damages by any other tenant to whom Landlord shall have leased all or any part of the Premises effective upon the termination of this Lease. 

26. Subordination. 
 a.
If this Lease (and all its terms and conditions) shall become subject and subordinate to any mortgages or deeds of trust covering the Premises, whether or not for the full amount of all advances made or to be made thereunder and without regard to
the time or character of such advances, the holder of any such mortgage or deed of trust (any of the foregoing, a “Holder”), shall execute a subordination, non-disturbance and attornment agreement in form and content reasonably acceptable
to Tenant and such mortgagee providing (in part) that as long as an event of default on the part of Tenant is not in existence, Tenant shall not be disturbed in its possession of the Premises or have its rights hereunder terminated or modified by
such mortgagee, except pursuant to the provisions of this Lease. 
 b. Tenant agrees that if Landlord defaults in the performance or
observance of any covenant or condition of this Lease required to be performed or observed by Landlord hereunder, Tenant will give written notice specifying such default by certified or registered mail, postage prepaid, to any Holder of which Tenant
has been notified in writing, and before Tenant exercises any right or remedy which it may have on account of any such default of Landlord, such party shall have the same amount of time as is afforded Landlord to cure such default of Landlord.
Whether or not any deed of trust or mortgage is foreclosed, or any Holder succeeds to any interest of Landlord under this Lease, no Holder shall have any liability to Tenant for any security deposit paid to Landlord by Tenant hereunder, unless such
security deposit has actually been received by such Holder. No Holder of which Tenant has been notified, in writing, shall be bound by any amendment or modification of this Lease made without the written consent of such Holder, nor shall any such
party be liable for any defaults of Landlord under this Lease. 

  
 16 

 27. Estoppel Certificate. Tenant agrees that, from time to time upon request by Landlord,
or any existing or prospective mortgagee or ground lessor, Tenant will complete, execute and deliver a written estoppel certificate certifying (a) that this Lease is unmodified and is in full force and effect (or if there have been
modifications, that this Lease, as modified, is in full force and effect and setting forth the modifications); (b) the amounts of the monthly installments of Base Rental, Additional Rental and other sums then required to be paid under this
Lease by Tenant; (c) the date to which the Base Rental, Additional Rental and other sums required to be paid under this Lease by Tenant have been paid; (d) that Landlord is not in default under any of the provisions of this Lease, or if in
default, the nature thereof in detail and what is required to cure same; and (e) such other information concerning the status of this Lease or the parties’ performance hereunder reasonably requested by Landlord or the party to whom such
estoppel certificate is to be addressed. 
 28. Sublease or Assignment by Tenant. 

a. The Tenant shall not, without the Landlord’s prior written consent, (i) assign, convey, mortgage, pledge, encumber, or otherwise
transfer (whether voluntarily, by operation of law, or otherwise) this Lease or any interest hereunder; (ii) allow any lien to be placed upon Tenant’s interest hereunder; (iii) sublet the Premises or any part thereof; or
(iv) permit the use or occupancy of the Premises or any part thereof by anyone other than Tenant or Tenant’s subsidiaries. Any attempt to consummate any of the foregoing without Landlord’s consent shall be void and of no force or
effect. For purposes hereof, the transfer of the ownership or voting rights in a controlling interest of the voting stock of Tenant (if Tenant is a corporation) or the transfer of a general partnership interest or a majority of the limited
partnership or membership interest in Tenant (if Tenant is a partnership or limited liability company), at anytime throughout the term of this Lease, shall be deemed to be an assignment of this Lease. 

b. For any proposed assignment or subletting Tenant shall submit to Landlord a copy of the proposed sublease or assignment, and such
additional information concerning the business, reputation and creditworthiness of the proposed sublessee or assignee as shall be sufficient to allow Landlord to form a commercially reasonable judgment with respect thereto. If Landlord approves any
proposed sublease or assignment, Landlord shall receive from Tenant as Additional Rental fifty percent (50%) of any rents or other sums received by Tenant pursuant to said sublease or assignment in excess of the rentals payable to Landlord by
Tenant under this Lease (after deducting all of Tenant’s reasonable costs associated therewith, including reasonable brokerage fees and the reasonable cost of remodeling or otherwise improving the Premises for said sublessee or assignee), as
such rents or other sums are received by Tenant from the approved sublessee or assignee. Landlord may require that any rent or other sums paid by a sublessee or assignee be paid directly to Landlord. 

c. Notwithstanding the giving by Landlord of its consent to any subletting, assignment or occupancy as provided hereunder or any language
contained in such lease, sublease or 

  
 17 

 
assignment to the contrary, unless this Lease is expressly terminated by Landlord, Tenant shall not be relieved of any of Tenant’s obligations or covenants under this Lease and Tenant shall
remain fully liable hereunder. 
 d. Notwithstanding anything in this Lease to the contrary, so long as Tenant remains jointly and severally
liable for all of its obligations under this Lease, Tenant shall have the right, without Landlord’s consent, to assign or transfer its interest in this Lease: (i) in connection with a merger or reorganization of Tenant or a sale of all or
substantially all of Tenant’s assets (so long as such assignee expressly assumes all of Tenant’s obligations under this Lease in writing); (ii) to an entity wholly or partially owned or controlled by, or under common control with,
Tenant; or (iii) to an entity whose (A) net worth is equal to or greater than the greater of the net worth or Tenant (1) on the date of this Lease or (2) at the time of such assignment; and (B) use of the Premises will be
for banking and financial services; general business office use; or any other reputable business activity approved by Landlord in its reasonable discretion. 

29. Quiet Enjoyment. Landlord covenants that Tenant shall and may peacefully have, hold and enjoy the Premises free from hindrance by
Landlord or any person claiming by, through or under Landlord but subject to the other terms hereof, provided that Tenant pays the Base Rental, Additional Rental, and any other sums herein recited to be paid by Tenant and performs all of
Tenant’s covenants and agreements herein contained. It is understood and agreed that this covenant and any and all other covenants of Landlord contained in this Lease shall be binding upon Landlord and its successors only with respect to
breaches occurring during the ownership of the Landlord’s interest hereunder. 
 30. Assignment by Landlord. Landlord shall have
the right to transfer and assign, in whole or in part, all its rights and obligations hereunder, in the Premises, and in such event and upon such transfer no further liability or obligation shall thereafter accrue against Landlord hereunder. 

31. Limitation of Landlord’s Personal Liability. Tenant specifically agrees to look solely to Landlord’s equity interest
Premises for the recovery of any monetary judgment against Landlord, it being agreed that Landlord (and its partners, members and shareholders) shall never be personally liable for any such judgment. The provision contained in the foregoing sentence
is not intended to, and shall not, limit any right that Tenant might otherwise have to obtain injunctive relief against Landlord or Landlord’s successors-in-interest or any suit or action in connection with enforcement or collection of amounts
which may become owing or payable under or on account of insurance maintained by Landlord. 
 32. Force Majeure. Landlord and Tenant
(except with respect to the payment of Base Rental or Additional Rental or any other monetary obligation under this Lease) shall be excused for the period of any delay and shall not be deemed in default with respect to the performance of any

  
 18 

 
of the terms, covenants and conditions of this Lease when prevented from so doing by a cause or causes beyond the Landlord’s or Tenant’s (as the case may be) control (excluding
financial inability to perform), which shall include, without limitation, all labor disputes, governmental regulations or controls, fire or other casualty, inability to obtain any material or services, acts of God, or any other cause not within the
reasonable control of Landlord or Tenant (as the case may be). 
 33. Surrender of Premises. Upon the termination of this Lease by
lapse of time or otherwise or upon the earlier termination of Tenant’s right of possession, Tenant shall quit and surrender possession of the Premises (including all leasehold improvements made or installed by Tenant or by Landlord) to
Landlord, broom clean, in the same condition as upon delivery of possession to Tenant hereunder, normal wear and tear excepted. Before surrendering possession of the Premises, Tenant shall, without expense to Landlord, remove all signs, furnishings,
equipment, trade fixtures, merchandise and other personal property installed or placed in the Premises and all debris and rubbish, and Tenant shall repair all damage to Premises resulting from such removal. If Tenant fails to remove any of the
signs, furnishings, equipment, trade fixtures, merchandise and other personal property installed or placed in the Premises by the expiration of the Term or earlier termination of this Lease, then Landlord may, at its sole option, (i) deem any
or all of such items abandoned and the sole property of Landlord; or (ii) remove any and all such items and dispose of same in any manner. Tenant shall pay Landlord on demand any and all expenses incurred by Landlord in the removal of such
items, including, without limitation, the cost of repairing any damage to the Premises caused by such removal and storage charges (if Landlord elects to store such property). 

34. Notices. Any notice or other communications required or permitted to be given under this Lease must be in writing and shall be
effectively given or delivered if (a) hand delivered to the addresses for Landlord and Tenant stated below, (b) sent by certified or registered United States Mail, return receipt requested, to said addresses, (c) sent by nationally
recognized overnight courier (such as Federal Express, UPS Next Day Air or Airborne Express), with all delivery charges paid by the sender and signature required for delivery, to said address; or (d) sent by facsimile to the facsimile numbers
for Landlord and Tenant stated below and actually received, as evidenced by facsimile confirmation report, by Landlord or Tenant, as the case may be. Any notice mailed shall be deemed to have been given upon receipt or refusal thereof. Notice
effected by hand delivery shall be deemed to have been given at the time of actual delivery. Either party shall have the right to change its address to which notices shall thereafter be sent and the party to whose attention such notice shall be
directed by giving the other party notice thereof in accordance with the provisions of this Section. 
  

			
	Landlord:	  	 Berry Farms Real Estate Partners, LLC
 320 Main
Street, Suite 230
 Franklin, Tennessee 37064
 Facsimile: (615)
794-7910

  
 19 

			
	Tenant:	  	 Franklin Synergy Bank
 722 Columbia Avenue

Franklin, Tennessee 37064
 Facsimile: (615) 236-4639

 35. Miscellaneous. 

a. This Lease shall be binding upon and inure to the benefit of the successors and assigns of Landlord, and shall be binding upon and inure to
the benefit of Tenant, its successors, and, to the extent assignment may be approved by Landlord hereunder, Tenant’s assigns. 
 b. All
rights and remedies of Landlord and Tenant under this Lease shall be cumulative and none shall exclude any other rights or remedies allowed by law. This Lease is declared to be a Tennessee contract, and all of the terms hereof shall be construed
according to the laws of the State of Tennessee. 
 c. This Lease may not be altered, changed or amended, except by an instrument in writing
executed by all parties hereto. 
 d. If Tenant is a corporation, partnership, limited liability company or other entity, Tenant warrants
that all consents or approvals required of third parties (including but not limited to its Board of Directors, partners or members) for the execution, delivery and performance of this Lease have been obtained and that Tenant has the right and
authority to enter into and perform its covenants contained in this Lease. 
 e. To the extent permitted by applicable law, the parties
hereto shall and they hereby do waive trial by jury in any action, proceeding or counterclaim brought by either of the parties hereto against the other on any matters whatsoever arising out of or in any way connected with this lease, the
relationship of landlord and tenant, Tenant’s use or occupancy of the Premises and/or any claim of injury or damage. In the event Landlord commences any proceedings for nonpayment of rent or any other amounts payable hereunder, Tenant shall not
interpose any counterclaim of whatever nature or description in any such proceeding, unless the failure to raise the same would constitute a waiver thereof. This shall not, however, be construed as a waiver of Tenant’s right to assert such
claims in any separate action brought by Tenant. 
 f. If any term or provision of this Lease, or the application thereof to any person or
circumstance, shall to any extent be invalid or unenforceable, the remainder of this Lease, or the application of such provision to persons or circumstances other than those as to which it is invalid or unenforceable, shall not be affected thereby,
and each provision of this Lease shall be valid and shall be enforceable to the extent permitted by law. 

  
 20 

 g. Time is of the essence in this Lease. 

h. Tenant represents and warrants to Landlord that Tenant did not deal with any broker in connection with this Lease. Tenant shall indemnify,
defend and hold Landlord harmless of, from and against any and all losses, damages, liabilities, claims, liens, costs and expenses (including, without limitation, court costs, reasonable attorneys’ fees and litigation expenses) arising from any
claims or demands of any other broker or brokers or finders for any commission alleged to be due such other broker or brokers or finders claiming to have dealt with Tenant in connection with this Lease or with whom Tenant hereafter deals or whom
Tenant employs. 
 i. If Tenant comprises more than one person, corporation, partnership, limited liability company or other entity, the
liability hereunder of all such persons, corporations, partnerships or other entities shall be joint and several. 
 j. Landlord’s
receipt of any monetary amount due hereunder (including Base Rental and Additional Rental) payable by Tenant hereunder with knowledge of the breach of a covenant or agreement contained in this Lease shall not be deemed a waiver of the breach. No
acceptance by Landlord of a lesser amount than the full and complete installment of monetary amount due under this Lease (including Base Rental and Additional Rental) which is due shall be considered, nor shall any endorsement or statement on any
check or any letter accompanying any check or payment be deemed, an accord and satisfaction. Landlord may accept a check or payment without prejudice to Landlord’s right to recover the balance due or to pursue any other remedy provided in this
Lease. 
 k. Submission of this instrument for examination shall not constitute a reservation of or option to lease the Premises or in any
manner bind Landlord, and no lease or obligation on Landlord shall arise until this instrument is signed and delivered by Landlord and Tenant. 

l. Any claim, cause of action, liability or obligation arising under the term of this Lease and under the provisions hereof in favor of a
party hereto against or obligating the other party hereto and all of Tenant’s indemnification obligations hereunder shall survive the expiration or any earlier termination of this Lease. 

[Signature page follows.] 

  
 21 

 IN WITNESS WHEREOF, the parties hereto have executed and sealed this Lease as of the date
aforesaid. 
  

			
	LANDLORD:
	
	BERRY FARMS REAL ESTATE PARTNERS, LLC
		
	By:	 	

		 	  

		
	Title:	 	 Managing Partner

	
	TENANT:
	
	FRANKLIN SYNERGY BANK
		
	By:	 	

		 	  

		
	Title:	 	 Sr VP/Asst CFO

  
 22 

 EXHIBIT A 

Description of Premises 

All that tract or parcel of land in Williamson County, Tennessee, and being more particularly described as follows: 

  
 23 

 EXHIBIT B 

Form of Commencement Agreement 

COMMENCEMENT AGREEMENT 

THIS COMMENCEMENT AGREEMENT (this “Agreement”), made and entered into as of this
             day of                     , 2013, is by and between BERRY FARMS REAL
ESTATE PARTNERS, LLC, a Tennessee limited liability company, (“Landlord”), and FRANKLIN SYNERGY BANK, a Tennessee banking corporation (“Tenant”). 

A. Tenant and Landlord entered into that certain Triple Net Office Lease Agreement dated
                     (the “Lease”), for certain improved real property municipally known as
                     located in Franklin, Williamson County, Tennessee, consisting of approximately
             rentable square feet, being more particularly described in the Lease; and 

B. The parties desire to precisely establish the Commencement Date as set forth below. 

NOW, THEREFORE, in consideration of the mutual and reciprocal promises herein contained, and pursuant to Section 2 of the Lease, Tenant
and Landlord hereby agree that the Lease is hereby modified as follows: 
 1. The term of the Lease by and between Landlord and Tenant
actually commenced on                      (the “Commencement Date”). 

2. Base Rental for the First Year of the Term shall be: 
  

							
	 Year
	  	 Per Square Foot First Floor
	  	 Total Per Annum
	  	 Total Per Month

	1	  	TBD	  	TBD	  	TBD

 3. Except as modified and amended by this Agreement, the Lease shall remain in full force and effect. 

[Signature page follows.] 

  
 24 

 IN WITNESS WHEREOF, Landlord and Tenant have caused this Agreement to be duly executed, as
of the day and year first above written. 
  

									
	LANDLORD:	 		 	TENANT:
			
	BERRY FARMS REAL ESTATE PARTNERS, LLC	 		 	FRANKLIN SYNERGY BANK
					
	By:	 	  
	 		 	By:	 	  

					
	Title:	 	  
	 		 	Title:	 	  

  
 25 

 EXHIBIT C 

Landlord’s Work and Tenant Improvement Allowance 

Landlord’s Work 

Before the Commencement Date, Landlord shall complete on the Premises construction of the one-story, warm “white box” building shown
on the plans and drawings attached hereto as Exhibit C-1, consisting of approximately 3,000 to 3,500 square feet and shall include base electrical, plumbing, and mechanical systems (the “Landlord’s Work”). Landlord anticipates
that Landlord’s Work shall be complete by May 1, 2013, but Landlord does not guarantee this anticipated completion date and Tenant represents and warrants that it is not relying on this anticipated completion date. Notwithstanding the
foregoing, if Landlord’s Work is not complete by September 1, 2013, Tenant shall have a continuing right to terminate this Lease upon written notice to Landlord, in which event neither party shall have any further obligation to the other
hereunder. 
 Landlord warrants to Tenant that Landlord’s Work shall be completed (i) in a good and workmanlike manner and
(ii) in accordance with the requirements of all applicable laws, codes and ordinances of governmental authorities having jurisdiction over the Premises. Landlord further hereby assigns to Tenant all third-party warranties granted to Landlord in
connection with Landlord’s Work. 
 Tenant Improvement Allowance 

Following completion of Landlord’s Work and delivery of the Premises to Tenant, Landlord shall provide Tenant with an improvement
allowance (the “Tenant Improvement Allowance”) of $30 per square foot of the building constructed under Landlord’s Work. The Tenant Improvement Allowance shall be payable to Tenant no earlier than the Commencement Date. 

  
 26 

 EXHIBIT C-1 

Building Plans and Drawings 

[See attached.] 

  
 27EX-10.3

 Exhibit 10.3 

LEASE AGREEMENT 

THIS LEASE AGREEMENT (sometimes herein this “Lease”) is made and entered into as of the 12th day of December, 2012, by and between FIRST FARMERS AND MERCHANTS BANK (“Landlord”), and FRANKLIN SYNERGY BANK (“Tenant”). 

1. Leased Premises. Subject to and upon the terms hereinafter set forth, and in consideration of the sum of Ten Dollars ($10.00) and
the mutual covenants set forth herein, the receipt and sufficiency of which are hereby acknowledged, Landlord does hereby lease and demise to Tenant, and Tenant does hereby lease and take from Landlord, ONE THOUSAND NINE HUNDRED FIFTY
(1,950±) rentable square feet of the building (the “Building”) located on certain real property in Spring Hill, Williamson County, Tennessee, such real property (the “Real Property”) being more
particularly described on Exhibit A attached hereto and incorporated herein by this reference, the leased space being located within the portion of the Building having an address of 2035 Wall Street, Spring Hill, Tennessee 37174, such leased
space being shown on the drawing attached hereto as Exhibit A-1 and incorporated herein by this reference (the “Premises”), together with the nonexclusive right to use the parking areas and driveway areas located on the Real
Property. As used in this Lease, the term “Project” shall mean the Real Property and all improvements now or hereafter located thereon, including the Building of which the Premises is a part, which Building contains approximately
21,560 rentable square feet, and the driveways and parking areas located on the Real Property. 
 2. Option for Additional Space.
Provided Tenant is not in default of any of the terms and conditions of this Lease, during the initial lease term, the Tenant shall have the right of first offer on the adjacent spaces (totaling approximately SEVEN THOUSAND THREE HUNDRED
(7,300±) rentable square feet of space as shown in the shaded area on the attached Exhibit “A”. In such event Landlord receives an offer to lease such space from a third party, Landlord shall deliver written notice thereof to
Tenant. Tenant must notify the Landlord within ten (10) days of issuance of such notice if it desires to exercise its option to lease the adjacent space. If Tenant timely notifies the Landlord that it wishes to exercise its right of first
offer, Landlord will prepare the appropriate Lease Amendment which will amend this lease by Tenant taking the additional square footage on an as-is basis at the same base per square feet rent rate as provided in the Lease Agreement for the balance
of the lease term. If the Tenant fails to notify the Landlord within said ten (10) days or notifies the Landlord that it does not desire to exercise its option, then this right of first offer shall be null and void and of no further force or
effect and Landlord shall be free to lease such space to other parties. In all events, Tenant’s right of first offer set forth in this paragraph shall expire on the last day of the initial lease term. 

3. Delivery Date; As Is Condition. Tenant shall be entitled to take possession of the Premises upon the date of final execution by both
parties of the lease (the “Delivery Date”). Except as otherwise expressly provided in this Lease, Tenant acknowledges that (i) no promise by or on behalf of Landlord or any of Landlord’s agents, partners or employees to alter,
remodel, improve, repair, decorate or clean the Premises has been made to or relied upon by Tenant, (ii) no representation respecting the condition of the Premises by or on behalf of Landlord or any of Landlord’s agents, partners or
employees has been made to or relied upon by Tenant, and (iii) the 

 
Premises are leased to Tenant AS IS, WHERE IS, WITH ALL FAULTS, IF ANY, AND WITHOUT ANY REPRESENTATIONS OR WARRANTIES, WHATSOEVER, EXPRESS OR IMPLIED. 

4. Initial Term; Renewal Options. 

(a) Subject to and upon the terms and conditions set forth herein, the initial term of this Lease shall be approximately Three (3) years
and 15 days, commencing on the February 13, 2013, and expiring at midnight on March 31, 2016. 
 (b) Upon the expiration of the
initial term of the Lease, provided Tenant shall not be in default in performance of the terms and provisions of the Lease, Tenant shall have an option to renew this Lease for the entire Premises for a Three (3) year renewal term. This option
shall be exercised by Tenant giving written notice of its election to exercise such option to Landlord no later than the date six (6) months prior to the first day of such renewal period, which written notice shall be sent to Landlord as
provided in paragraph 30 of the Lease. 
 5. Use. (a) The Premises are to be used and occupied solely for use as a
banking/ financial services location. Tenant shall not use the Premises for any other purpose without Landlord’s consent. In no event shall Tenant use the Premises for any unlawful purpose, any purposes that violates Landlord’s exclusive
or restricted uses in the shopping center at that time, or any use that constitutes a nuisance. The Premises shall not be used or occupied for any purpose or business that would increase the premiums payable in respect of the fire and casualty
insurance maintained with respect to the Premises or that would effectuate a cancellation of such insurance. Tenant shall not maintain or permit any nuisance to occur on the Premises, nor shall Tenant’s use of the Premises interfere with the
reasonable use of the shopping center or the common areas by other tenants. Tenant covenants and agrees that Tenant will use, maintain and occupy the Premises in a careful, safe and proper manner and will not commit waste thereon. Tenant shall cause
its business within the Premises to be open for business continuously, from and after the Rent Commencement Date. 
 (b) So long as
(i) Tenant is open for business and conducting operations, and (ii) no default has occurred and is continuing hereunder, Landlord shall not lease other space in the Project to any other tenant for the purpose of operating a retail banking
location office without prior approval by Tenant. 
 6. Rent. 

(a) Commencing on February 13, 2013 (“Rent Commencement Date”), and on the first
(1st) day of each consecutive calendar month thereafter, Tenant agrees to pay monthly rent, in advance as follows: 

(i) 
  

					
	 Period
	  	Monthly Rent	 
	 02/13/13 – 02/12/16
	  	$	3,168.75 ($19.50 per Sq. Ft	) 

  
 2 

 (ii) In the event that Tenant exercises its option to renew the Lease for the first renewal term
described in paragraph 4(b) above, monthly rent for the Three Years of such renewal term shall be $3,493.75 ($21.50 per sq. ft). 

(iv) All rent shall be payable at Landlord’s address as provided herein (or such other address as may be designated by Landlord from time
to time). Rent for the first and last month’s shall be prorated as appropriate. All rent shall be due without notice, demand, deduction or setoff. 

(v) For purposes hereof, the first “Lease Year” shall mean the period commencing on the Rent Commencement Date and ending on the
last day of the twelfth (12th) full calendar month thereafter (it being acknowledged that the first Lease Year may be for a period longer than twelve (12) months), and each succeeding
Lease Year thereafter shall commence immediately upon the expiration of the prior Lease Year and shall end on the last day of the 12th calendar month thereafter. 

(b) In the event any installment of any rental or additional rent owed by Tenant hereunder is not paid within five (5) days of the date
when due, Tenant shall pay a late charge equal to the greater of $100.00 or five percent (5%) of the amount due. The parties agree that such charge is a fair and reasonable estimate of Landlord’s administrative expense incurred on account
of late payment. Should Tenant make a partial payment of past due amounts, the amount of such partial payment shall be applied first to reduce all accrued and unpaid late charges, in inverse order of their maturity, and then to reduce all other past
due amounts, in inverse order of their maturity. In addition, any installment of rent or additional rent that is not paid within five (5) days of when due shall bear interest at a rate equal to ten percent (10%) per annum (or the maximum
rate allowed by law, if less) from the date such payment was due until the date on which it is paid. 
 (c) If any rent or additional rent
is paid by check and such check is returned for non-sufficient funds or for any other reason, the same shall be considered as non-payment. All charges and sums due under this lease (other than monthly base rent) shall be considered additional rent
and Landlord shall have the same remedies for failure to pay additional rent as it does with respect to monthly rent. 
 (d) In the event
any sales, use or other tax shall now or hereafter be levied upon the rent payable by Tenant under this Lease by the State of Tennessee or any other governmental entity, all such taxes shall be paid by Tenant in addition to its obligations to pay
rent hereunder. 
 (e) Contemporaneously with the execution of this Lease, Tenant shall pay to Landlord FIVE THOUSAND SEVENTY EIGHT DOLLARS
and 13/100 DOLLARS ($5,078.13) as prepayment of the partial first month’s and first full month’s base rent due under subparagraph 6(a) and the first month’s estimated payment of Tenant’s share of CAM Expenses under subparagraph
10(b). 

  
 3 

 7. Security Deposit. Tenant, concurrently with the execution of this Lease has deposited
the sum of THREE THOUSAND EIGHT HUNDRED EIGHTEEN and 75/100 DOLLARS ($3,818.75), the receipt of which is hereby acknowledged, which sum shall be retained by Landlord as a security deposit. The security deposit shall be held by Landlord without
liability for interest and as a security for the performance by the Tenant of Tenant’s covenants and obligations under this Lease, it being expressly understood that such deposit shall not be considered an advance payment of rental or
additional rent or a measure of Landlord’s damages in case of default by Tenant. Upon the occurrence of any event of default by Tenant, Landlord may, from time to time, without prejudice to any other remedy, use such deposit to the extent
necessary to make good any arrearages of rent, additional rent, and any other damage, injury, expense, or liability caused to Landlord by such event of default. Following any such application of the security deposit, Tenant shall pay to Landlord on
demand the amount so applied in order to restore the security deposit to its original amount. If Tenant is not then in default hereunder, any remaining balance of such deposit shall be returned by Landlord to Tenant upon termination of the Lease. If
Landlord transfers its ownership interest in the Building during the Lease term, Landlord may assign the security deposit to the new owner and thereafter shall have no further liability for the return of such security deposit. 

8. [Intentionally Deleted] 

9. [Intentionally Deleted]. 

10. Common Area Expenses. 

(a) Tenant shall, during the term of this Lease, beginning on the Term Commencement Date, pay to Landlord, in addition to the rent described
in paragraph 6 above, an amount equal to the product of the CAM Expenses (as hereinafter defined) for each calendar year during the term of this Lease times Tenant’s Prorata Share Percentage (as hereinafter defined). For purposes of this
Lease, “Tenant’s Prorata Share Percentage” shall mean 11.06%, which is the ratio of the rentable square footage of the Premises (1,950 square feet) to the rentable square footage of the buildings located on the Real Property
(21,560 square feet). Tenant’s percentage will be adjusted accordingly if Tenant chooses to exercise its right of first option in paragraph 2 above. Landlord will make a good faith estimate prior to January 1 of each calendar year during
the term of this Lease, or as soon thereafter as practical, and Tenant shall pay to Landlord with each payment of rent the estimated monthly amount of Tenant’s Prorata Share Percentage of the CAM Expenses for such period. By April 1st of each calendar year during the term of this Lease and by April 1st of the year following the year in which the term of this Lease expires or
terminates, or as soon thereafter as practical, Landlord shall furnish to Tenant a statement of the actual CAM Expenses for the previous calendar year. If for any calendar year amounts collected under the terms of this paragraph 10(a) for the
prior year, as a result of Landlord’s estimate of CAM Expenses, is in excess of the amount actually due from Tenant hereunder during such prior year, then Landlord shall credit to Tenant’s rental obligations any overpayment (or if Tenant
has no further financial obligations under this Lease, then Landlord shall refund the overpayment). Likewise, Tenant shall pay to Landlord, on demand, any underpayment with respect to the prior year. Any payment to be made pursuant to this

  
 4 

 
paragraph 10(a) with respect to the calendar year in which this Lease commences or expires or terminates shall be prorated if this Lease is not in force during the full calendar year. The
payment made on the Term Commencement Date and/or the Rent Commencement Date pursuant to this paragraph 10(a) and any adjustment to such payment shall also be prorated if the Term Commencement Date and/or the Rent Commencement Date is not the
first day of a month. 
 (b) As used in this Lease, the term “CAM Expenses” shall mean all costs and expenses incurred by
Landlord in each calendar year of owning, operating, maintaining, repairing and managing the Project, including, without limitation: (i) all ad valorem taxes, (ii) all assessments, levies, general or special, assessed or imposed upon the
Project, but only with respect to installments required to be paid during the term of this Lease, (iii) all premiums for public liability insurance and/or casualty insurance for the Project, (iv) all costs and expenses incurred by Landlord
with respect to the Project for common area maintenance, exterior roof maintenance, non-separately metered utilities, storm water, mowing grass, landscaping, cleaning, removal of garbage and debris, exterior lighting, security, irrigation system
maintenance, interior sprinkler maintenance and service, fire line inspection and maintenance and repairs, (v) the cost of all utilities that are not separately metered and billed directly to the tenants of the Building, and (vi) a
management fee (whether payable to Landlord or an affiliate or a third party). Notwithstanding the foregoing, the term “CAM Expenses” does not include capital improvements, except the cost of capital improvements may be included in CAM
Expenses so long as the same are amortized over the useful life of the item in question and only the portion thereof attributable to the current year is included in the CAM Expenses for the current year. It is understood that increases in CAM
Expenses shall be capped at 5% annually. 
 11. Taxes and Utilities. 

(a) Landlord shall pay all ad valorem taxes, assessments or levies, general or special, which may be assessed or imposed upon Landlord’s
fee interest in the Project by any taxing authority or governmental agency with power to tax; provided, however, Tenant shall reimburse to Landlord a portion of such ad valorem taxes, assessments (including only installments of special assessments
required to be paid during the term of this Lease) or levies, as set forth in paragraph 10(a) hereof. Tenant shall pay all ad valorem taxes, assessments or levies, general or special, which may be assessed or imposed upon Tenant’s
leasehold interest in the Premises or upon any personal property of Tenant located at the Premises by any taxing authority or governmental agency with power to tax. 

(b) Tenant shall pay directly to the appropriate supplier or reimburse the Landlord the cost of all separately metered utilities supplied to
the Premises during the term of this Lease. Landlord shall pay to the appropriate supplier the cost of all utilities supplied to the Project which are not separately metered to the Premises or to other portions of the Project; provided, however,
Tenant shall reimburse Landlord for a portion of the cost of such utilities not metered separately to the Project and paid by Landlord, as set forth in paragraph 7(a) hereof. To the extent that Landlord shall be billed for any such services
by the provider thereof, Tenant shall reimburse Landlord for the amount thereof within fifteen (15) days of being furnished with a statement from Landlord with respect thereto. 

  
 5 

 (c) Unless the same is caused solely by the willful misconduct of Landlord, Landlord shall not be
liable to Tenant or to any other person for any damage occasioned by failure in any utility system or by the bursting or leaking of any vessel or pipe in or about the Premises or for any damage occasioned by water coming into the Premises, or
arising from any act or neglect of occupants of adjacent property or the public. 
 12. Repairs and Maintenance. 

(a) Except as otherwise expressly provided in paragraph 3 and subparagraph 12(b) below, Tenant, at Tenant’s sole cost and expense,
shall keep and maintain all portions of the Premises (including nonstructural, interior portions, systems and equipment) at all times during the term hereof in good order, condition and repair as a first-class retail/commercial real property
development (including interior repainting and refinishing, as needed), and shall be responsible for all maintenance to the same. Such repair and maintenance shall include, but not be limited to, all interior utility systems and equipment from the
point of connection to the Building, including components of electrical, mechanical, plumbing, heating and air conditioning systems and facilities located in the Premises, all exterior and interior doors and door closures, and all plate glass
located in the Premises. In addition, Tenant shall, at its expense, obtain from a HVAC service company designated by or reasonably satisfactory to Landlord and maintain during the term of this Lease a quarterly maintenance service contract on the
HVAC unit that serves the Premises. If any portion of the Premises or any system or equipment in or serving the Premises which Tenant is obligated to repair cannot be fully repaired or restored, Tenant shall promptly replace such portion of the
Premises or system or equipment in or serving the Premises, regardless of whether the benefit of such replacement extends beyond the term of this Lease; but if the benefit or useful life of such replacement extends beyond the term of this Lease (as
such term may be extended by exercise of any options), the useful life of such replacement shall be prorated such that Tenant shall be liable only for that portion of the cost which is applicable to the term of this Lease (as extended). It is the
intention of Landlord and Tenant that at all times Tenant shall maintain the portions of the Premises which Tenant is obligated to maintain in an attractive, first-class and fully operative condition. Tenant shall pay directly to the vendors all
costs incurred by Tenant for the operation and maintenance of the Premises. At the expiration or earlier termination of this Lease, and subject to the provisions of paragraph 12(c) with respect to alterations or improvements to the Premises
made by Tenant, Tenant shall return the Premises to the Landlord in as good condition as when received, ordinary wear and tear excepted. Notwithstanding the foregoing, Landlord shall assign and transfer all warranties for Tenant’s benefit in
the event Tenant is required to promptly replace such portion of the Premises or system or equipment in or serving the Premises including but not limited to all interior utility systems and equipment from the point of connection to the Building,
including components of electrical, mechanical, plumbing, heating and air conditioning systems and facilities located in the Premises. 

(b) Notwithstanding the provisions of subparagraph 12(a) above, Landlord, at Landlord’s sole cost and expense, shall maintain in good
order, condition and repair: (i) all structural elements of the Building, including, without limitation, the floor slab, footings, foundations, exterior walls (but excluding windows, doors, plate glass, skylights, entries, and the interior surfaces
of exterior walls), roof structure, roof deck, and all utility lines from the point of 

  
 6 

 
connection in the street up to the point of connection to the Building, and (ii) subject to reimbursement as set forth in paragraph 10(a), the parking areas and other common areas of
the Project. Landlord shall not be obligated to make any such repairs unless Landlord shall have received written notice from Tenant of the need for such repairs, and Landlord shall have a reasonable period of time to make such repairs.
Notwithstanding the foregoing, in no event shall Landlord be responsible for any repairs which are required to be made due to the acts of Tenant or Tenant’s agents, employees or invitees, all of such repairs to be made by Tenant at
Tenant’s sole cost and expense. Further, Landlord’s liability with respect to any repairs for which Landlord is responsible under any of the provisions of this Lease shall be limited to the cost of such repairs. 

13. Tenant Improvements; Other Alterations and Improvements; Signage. 

(a) Tenant may improve the interior of the space to fit Tenant’s need. Tenant shall obtain Landlord’s written approval, which shall
not be unreasonably withheld. Upon obtaining such written approval, Tenant, at Tenant’s sole cost and expense, may make such alterations and improvements to the Premises as Tenant may consider necessary or appropriate in order to reasonably
adapt the same for its business purposes. Regardless of whether Landlord’s consent is required, all alterations and improvements shall be performed in a good and workmanlike manner and in accordance with all applicable laws, codes, regulations
and ordinances, including, but not limited to, the requirements of the Americans with Disabilities Act, 42 U.S.C. §12101, et seq., and the regulations thereunder (collectively, the “ADA”). Prior to commencing any
such alterations or improvements, Tenant shall obtain the written approval from Landlord of the final plans and specifications therefor, which approval shall not be unreasonably withheld, and upon obtaining such written approval, such alterations or
improvements shall be performed strictly in accordance with the approved plans and specifications. 
 (b) Tenant shall be responsible for
obtaining all required governmental approvals and permits for any alterations or improvements to the Premises to be undertaken by Tenant and shall indemnify and hold Landlord harmless from and against any and all liens by contractors,
subcontractors, materialmen or laborers constructing or installing such alterations or improvements to the Premises and from and against any and all claims for damages by third parties including, without limitation, personal injury, arising out of
the construction or installation of any such alterations or improvements to the Premises. In the event any lien is filed against the Project or the Premises, or any part thereof, for work claimed to have been done for or material claimed to have
been furnished to Tenant, Tenant shall cause such lien to be discharged of record within thirty (30) days after filing by bonding or as provided or required by law or in any other lawful manner. 

(c) At the expiration or earlier termination of this Lease, at the option of Landlord, either (i) the alterations and improvements made by
Tenant that are affixed to the Premises (or such portion thereof as designated by Landlord) shall vest in and become the property of Landlord and shall not be removed by Tenant, or (ii) the alterations and

  
 7 

 
improvements made by Tenant that are affixed to the Premises (or such portion of thereof as designated by Landlord) shall be removed by Tenant at Tenant’s expense and the Premises (or
portion thereof) shall be returned by Tenant at Tenant’s expense to the same condition as in existence on the Delivery Date, ordinary wear and tear excepted. Such election shall be made by Landlord by serving written notice upon Tenant within
thirty (30) days of the expiration or earlier termination of this Lease, as applicable. All non-affixed items, including personal property and equipment of Tenant, shall remain Tenant’s property at the expiration or earlier termination of
this Lease and shall be removed by Tenant at Tenant’s expense; provided, however, to the extent such non-affixed items are not removed within ten (10) days after the expiration or earlier termination of this Lease, such non-affixed items
shall vest in and become the property of Landlord and Landlord may remove, store and/or dispose of such property at Tenant’s expense (to be paid by Tenant upon demand). 

(d) Tenant shall have the right, at its own expense, to: (i) install Tenant’s standard illuminated storefront signage at the
Premises (ii) display “Grand Opening” banners at the Premises for the first two (2) months following the date Tenant opens for business, and (iii) place a sign panel on Landlord’s pylon/monument sign for the Project if
space for such panel is available; provided, however, that all such signage shall (a) be subject to Landlord’s approval, which approval shall not be unreasonably withheld, and (b) comply in all respects with any restrictions imposed
by zoning ordinances or other applicable law or by instruments of record. All exterior signage, other than temporary exterior signage as described in part (ii) of the preceding sentence, shall be considered an alteration and subject to all
provisions of subparagraphs (a) and (b) above. 
 (e) Tenant shall have the right, at its sole cost and expense, to erect and
maintain within the interior of its Premises all signs and advertising matter customary or appropriate in the conduct of Tenant’s business. Notwithstanding the foregoing, interior marquee-type signage which is placed in the windows and is
visible from the outside of the Premises shall be treated as exterior signage subject to the provisions of paragraph 13 (d) above. 

14. Laws and Regulations; Encumbrances. Tenant shall comply with, and Tenant shall cause its employees, contractors and agents to
comply with, and shall use its best efforts to cause its visitors and invitees to comply with, (i) all laws, ordinances, orders, rules and regulations of all state, federal, municipal and other governmental or judicial agencies or bodies relating to
the use, condition or occupancy of the Premises (including without limitation the Board of Health), and (ii) all recorded instruments encumbering the Premises. Without limiting the foregoing, Tenant assumes all responsibility for compliance of the
Premises with the requirements of the ADA. Subject to the provisions of paragraph 13, Tenant shall complete any and all alterations, modifications or improvements to the Premises necessary in order to comply with all laws, ordinances, orders,
rules and regulations during the term of this Lease whether such improvements or modifications are the legal responsibility of Landlord, Tenant or a third party. Tenant agrees to indemnify, defend and hold harmless Landlord from and against any and
all claims, liabilities, fines, penalties, losses and expenses (including reasonable attorney’s fees) arising in connection with Tenant’s failure to comply with the provisions of this paragraph. 

  
 8 

 15. Hazardous Substances. Tenant shall comply, at its sole expense, with all laws,
ordinances, orders, rules and regulations of all state, federal, municipal and other governmental or judicial agencies or bodies relating to the protection of public health, safety, welfare or the environment (collectively, “Environmental
Laws”) in the use, occupancy and operation of the Premises, but Tenant shall not be responsible for any violation of Environmental Laws by Landlord in the use, occupancy or operation of the Premises by Landlord prior to the date of this
Lease. Tenant agrees that no Hazardous Substances shall be used, located, stored or processed on the Premises, and no Hazardous Substances will be released or discharged from the Premises. The term “Hazardous Substances” shall mean
and include all hazardous and toxic substances, waste or materials, any pollutant or contaminant, including, without limitation, PCB’s, asbestos and raw materials that include hazardous constituents or any other similar substances or materials
that are now or hereafter included under or regulated by any Environmental Laws or that would pose a health, safety or environmental hazard. Tenant hereby agrees to indemnify, defend and hold harmless Landlord from and against any and all losses,
liabilities (including, but not limited to, strict liability), damages, injuries, expenses (including, but not limited to, court costs, litigation expenses, reasonable attorneys’ fees and costs of settlement or judgment), suits and claims of
any and every kind whatsoever paid, incurred or suffered by, or asserted against, Landlord by any person, entity or governmental agency for, with respect to, or as a direct or indirect result of, the presence in or the escape, leakage, spillage,
discharge, emission or release from the Premises of any Hazardous Substances or the presence of any Hazardous Substances placed on or discharged from the Premises by Tenant or any of its agents, employees, contractors, assigns, subtenants, guest or
invitees. 
 16. Insurance; Casualty; Waiver of Claims. 

(a) Landlord shall keep the Project insured against loss or damage by fire or other casualty, with full extended coverage, in an amount
representing the full insurable value of the Project; provided, however, Tenant shall reimburse to Landlord a portion of the cost of such insurance as set forth in paragraph 10(a) hereof. Tenant shall also reimburse to Landlord the entire
cost of any special or additional premiums due to the Tenant’s use of the Premises. 
 (b) In the event the Building shall be damaged
or destroyed by fire or other casualty during the term hereof, Landlord will cause the same to be repaired or rebuilt and restored to the condition immediately prior to such fire or other casualty. Notwithstanding the foregoing, if Landlord
determines that the damage to the Building or to other portions of the Project is such that necessary repairs will take more than ninety (90) days to complete or if such damage is not covered by insurance, Landlord may, by written notice to
Tenant, terminate this Lease. Further, and notwithstanding anything to the contrary contained in this paragraph, if the cost of any required repairs exceeds the actual proceeds of insurance due Landlord on account of such fire or other casualty, or
if any mortgagee shall require that any insurance proceeds be paid to it, Landlord may terminate this Lease by written notice to Tenant. 

(c) In the event the Premises are rendered untenantable as a result of any fire or other casualty, there shall be an equitable abatement in
rental, but Tenant shall have no right to terminate this Lease as a result of any such fire or other casualty. 

  
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 (d) Landlord and Tenant hereby waive all rights of recovery and causes of action that either has
or may have or that may arise hereafter against the other, whether caused by negligence, intentional misconduct, or otherwise, for any damage to premises, property or business caused by any perils covered by fire and extended coverage, building,
contents, and business interruption insurance, or for which either party may be reimbursed as a result of insurance coverage affecting any loss suffered by it; provided, however, that the foregoing waivers shall apply only to the
extent of any recovery made by the parties hereto under any policy of insurance now or hereafter issued; and further provided that the foregoing waivers shall be ineffective if they invalidate any policy of insurance of the
parties hereto, now or hereafter issued. Landlord and Tenant will use their best efforts to have their respective insurance companies waive their rights of subrogation as contemplated herein. 

17. Eminent Domain. 
 (a)
If all of the Premises are taken by right of eminent domain or by purchase in lieu thereof or if a part of the Premises are taken by right of eminent domain or by purchase in lieu thereof and the taking would prevent or materially interfere with the
use of the Premises for the purpose for which the Premises are then being used, this Lease will terminate and the rent will be abated during the unexpired portion of this Lease effective on the date physical possession is taken by the condemning
authority. In the event of termination of this Lease, Tenant shall have the right to remove all of Tenant’s property and contents located thereon. The entire award for any such taking shall belong to Landlord; provided however, that Tenant
shall be free to prosecute a separate claim against the condemning authority for loss of personal property, moving expenses and/or business losses. In no event, however, shall Tenant have any interest in any award made to Landlord in connection with
the taking of Landlord’s interest in the Premises. 
 (b) If this Lease shall not be terminated as in this paragraph provided, then
this Lease shall terminate as to the property so taken, but shall continue as to that portion of the Premises which shall not have been appropriated or taken. In that event, Landlord, at its cost and expense, shall cause the remaining portion of the
Building to be repaired or rebuilt and restored to a complete unit of like quality and character as existed prior to such appropriation or taking. Notwithstanding the foregoing, if Landlord determines that the taking of the Building or other
portions of the Project is such that necessary repairs will take more than ninety (90) days to complete, Landlord may, by written notice to Tenant, terminate this Lease. Further, and notwithstanding anything to the contrary contained in this
paragraph, if the cost of any required repairs exceeds the actual condemnation settlement or award due Landlord on account of such taking, or if any mortgagee shall require that any condemnation settlement or award be paid to it, Landlord may
terminate this Lease by written notice to Tenant. 
 (c) If this Lease is not terminated as in this paragraph provided, there shall be an
abatement in rental in proportion to the reduction in the floor area of the Premises as a result of any condemnation, but only if such abated rent is specifically set aside by the condemning authority as part of the condemnation settlement or award
received by Landlord. 

  
 10 

 18. Tenant’s Insurance. 

(a) Tenant shall, at Tenant’s expense, procure public liability insurance, issued by a company or companies holding a “General
Policy Rating” of A-, X or better, as set forth in the most current issue of “Best Key Rating Guide,” and acceptable to Landlord, giving comprehensive coverage of the Premises for all such hazards as are normally insurable and for
which the Landlord might be held liable, such insurance to be in the amount of at least Two Million and No/100 Dollars ($2,000,000), such policy or policies to name Landlord and its lender as additional insured, and to be written so as to indemnify
and protect Landlord, any lender and Tenant as their respective interests may appear, and to provide that they may not be canceled or modified except upon not less than thirty (30) days’ prior written notice to Landlord and Tenant. Tenant
will furnish Landlord, at all times, a certificate evidencing such coverage in form and substance satisfactory to Landlord, together with an exact copy of all policies purchased in compliance with this paragraph. 

(b) All property of any kind that may at any time be used, left or placed on the Premises during the term of this Lease shall be at the sole
risk of Tenant and its employees, customers, agents and invitees. Tenant shall maintain all risk casualty coverage, vandalism and malicious mischief and sprinkler leakage insurance, for the full cost of replacement of Tenant’s property,
including its fixtures, equipment and tenant improvements. 
 19. Hold Harmless. Landlord shall not be liable to Tenant, its agents,
servants, employees, contractors, customers or invitees, for any damage to person or property unless caused by the gross negligence or intentional misconduct of Landlord. Without limiting or being limited by any other indemnity in this Lease, but
rather in confirmation and furtherance thereof, Tenant agrees to indemnify, defend by counsel reasonably acceptable to Landlord and hold Landlord harmless of, from and against any and all losses, damages, liabilities, claims, liens, costs and
expenses (including, but not limited to, court costs, reasonable attorneys’ fees and litigation expenses) in connection with injury to or death of any person or damage to or theft, loss or loss of the use of any property occurring in or about
the Premises, arising from Tenant’s occupancy of the Premises, or the conduct of its business or from any activity, work or thing done, permitted or suffered by Tenant in or about the Premises, or from any breach or default on the part of
Tenant in the performance of any covenant or agreement on the part of Tenant to be performed pursuant to the terms of this Lease, or due to any other act or omission or willful misconduct of Tenant or any of its agents, employees, contractors,
assigns, subtenants, guest or invitees except for any claim arising solely out of the gross negligence or willful misconduct of Landlord. 

20. Default and Remedies. 

(a) The occurrence of any of the following shall constitute a default under and breach of this Lease by Tenant (an “Event of
Default”): 
  

	 	(i)	Failure by Tenant to pay any rental or additional rental (including without limitation Tenant’s Prorata Share Percentage of CAM Expenses) within five (5) days after the same is due; 

  
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	 	(ii)	Any failure by Tenant to obtain insurance as required herein; 

  

	 	(iii)	Abandonment of the Premises; 

  

	 	(iv)	Failure by Tenant to observe or perform any of the covenants in respect of assignment and subletting; 

  

	 	(v)	Failure by Tenant to cure forthwith, after receiving thirty (30) days written receipt of notice from Landlord, any hazardous condition which Tenant has created or permitted to exist in violation of law or of this
Lease. 

  

	 	(vi)	Failure by Tenant to observe or perform any other covenant, agreement, condition or provision of this Lease, if such failure shall continue for thirty (30) days after written notice thereof from Landlord to Tenant;

  

	 	(vii)	The levy upon execution or the attachment by legal process of the leasehold interest of Tenant, or the filing or creation of a lien in respect of such leasehold interest, which lien shall not be released or discharged
within thirty (30) days from the date of such filing; 

  

	 	(viii)	Tenant becomes insolvent or bankrupt or admits in writing an inability to pay its debts as they mature, or makes an assignment for the benefit of creditors, or applies for or consents to the appointment of a trustee or
receiver for all or a major part of its property; 

  

	 	(ix)	A trustee or receiver is appointed for Tenant, for Tenant’s interest in the Premises or for a major part of the property of Tenant and is not discharged within sixty (60) days after such appointment; or

  

	 	(x)	Any bankruptcy, reorganization, arrangement, insolvency or liquidation proceeding, or other proceeding for relief under any bankruptcy law or similar law for the relief of debtors, is instituted (A) by Tenant, or
(B) against Tenant and is allowed against Tenant or is consented to by Tenant or is not dismissed within sixty (60) days after such institution. 

(b) Upon the occurrence of an Event of Default, Landlord shall have the option to do and perform any one or more of the following in addition
to, and not in limitation of, any other remedy or right permitted it by law or in equity or by this Lease: 
  

	 	(i)	Landlord, with or without terminating this Lease, may immediately or at any time thereafter re-enter the Premises and correct or repair any condition which shall constitute a failure on Tenant’s part to keep,
observe, perform, satisfy or abide by any term, condition, covenant, agreement or obligation of this Lease, and Tenant shall fully reimburse and compensate Landlord on demand. 

  
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	 	(ii)	Landlord, with or without terminating this Lease, may immediately or at any time thereafter demand in writing that Tenant vacate the Premises and thereupon Tenant shall vacate the Premises and remove there from all
property thereon belonging to or placed on the Premises by, at the direction of, or with consent of Tenant within ten (10) days of receipt by Tenant of such notice from Landlord, whereupon Landlord shall have the right to re-enter and take
possession of the Premises. 

  

	 	(iii)	Landlord, with or without terminating this Lease, may immediately or at any time thereafter, re-enter the Premises and remove there from Tenant and all property belonging to or placed on the Premises by, at the
direction of, or with consent of Tenant. Any such re-entry and removal by Landlord shall not of itself constitute an acceptance by Landlord of a surrender of this Lease or of the Premises by Tenant and shall not of itself constitute a termination of
this Lease by Landlord. 

  

	 	(iv)	Landlord, with or without terminating this Lease, may immediately or at any time thereafter relet the Premises or any part thereof for such time or times, at such rental or rentals and upon such other terms and
conditions as Landlord in its sole discretion may deem advisable, and Landlord may make any alterations or repairs to the Premises which it may deem necessary or proper to facilitate such reletting; and Tenant shall pay all costs of such reletting
including but not limited to the cost of any such alterations and repairs to the Premises, attorneys’ fees, leasing inducements and brokerage commissions; and if this Lease shall not have been terminated, Tenant shall continue to pay all rent
and all other charges due under this Lease up to and including the date of beginning of payment of rent by any subsequent tenant of part or all of the Premises, and thereafter Tenant shall pay monthly during the remainder of the term of this Lease
the difference, if any, between the rent and other charges collected from any such subsequent tenant or tenants and the rent and other charges reserved in this Lease, but Tenant shall not be entitled to receive any excess of any such rents collected
over the rents reserved herein. 

  

	 	(v)	 Landlord may immediately or at any time thereafter terminate this Lease, and this Lease shall be deemed to have been terminated upon receipt by Tenant
of written notice of such termination; upon such termination Landlord shall recover from Tenant all damages Landlord may suffer by reason of such termination including, without limitation, all arrearages in rentals, costs, charges and
reimbursements, the cost (including court costs and attorneys’ fees) of recovering possession of the Premises, the cost of any alteration of or repair to the Premises which is necessary or proper to prepare the same for reletting and, in
addition thereto, Landlord at its election shall have and recover from Tenant either (A) an amount equal to the excess, if any, of the total amount of all rents and other charges to be

  
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paid by Tenant for the remainder of the term of this Lease over the then reasonable rental value of the Premises for the remainder of the term of this Lease, both figures being discounted to
present value using a discount rate equal to the yield of direct obligations of the United States of America having a maturity closest to the expiration of the then current term of this Lease, or (B) the rents and other charges which Landlord
would be entitled to receive from Tenant pursuant to the provisions of subparagraph (iv) if the Lease were not terminated, payable in the manner contemplated in subparagraph (iv). Such election shall be made by Landlord by serving written
notice upon Tenant of its choice of one of the two said alternatives within thirty (30) days of the notice of termination. 

  

	 	(vi)	The exercise by Landlord of any one or more of the rights and remedies provided in this Lease shall not prevent the subsequent exercise by Landlord of any one or more of the other rights and remedies herein provided.
All remedies provided for in this Lease are cumulative and may, at the election of Landlord, be exercised alternatively, successively or in any other manner and are in addition to any other rights provided for or allowed by law or in equity.

  

	 	(vii)	No act by Landlord with respect to the Premises shall terminate this Lease, including, but not limited to, acceptance of the keys, institution of an action for detainer or other dispossessory proceedings, it being
understood that this Lease may only be terminated by express written notice from Landlord to Tenant, and any reletting of the Premises shall be presumed to be for and on behalf of Tenant, and not Landlord, unless Landlord expressly provides
otherwise in writing to Tenant. 

 21. Attorney’s Fees. In the event of any default by either Landlord or Tenant,
the prevailing party in any dispute shall be entitled to recover from the non-prevailing party reasonable attorney’s fees, expenses and costs of court. 

22. No Waiver of Rights. No failure or delay of Landlord to exercise any right or power given it herein or to insist upon strict
compliance by Tenant of any obligation imposed on it herein and no custom or practice of either party hereto at variance with any term hereof shall constitute a waiver or a modification of the terms hereof by Landlord or any right it has herein to
demand strict compliance with the terms hereof by Tenant. No waiver of any right of Landlord or any default by Tenant on one occasion shall operate as a waiver of any of Landlord’s other rights or of any subsequent default by Tenant. No express
waiver shall affect any condition, covenant, rule or regulation other than the one specified in such waiver and then only for the time and in the manner specified in such waiver. No person has or shall have any authority to waive any provision of
this Lease for Landlord unless such waiver is expressly made in writing and signed by a general partner of Landlord. 

  
 14 

 23. Holding Over. In the event of holding over by Tenant after expiration or termination
of this Lease without the written consent of Landlord, Tenant shall pay as rent for such holdover period one hundred fifty percent (150%) of the rental that would have been payable if this Lease had not so terminated or expired. In the event of
holding over by Tenant after expiration or termination of this Lease with the written consent of Landlord, Tenant shall pay as rent for such holdover period one hundred twenty-five percent (125%) of the rental that would have been payable if
this Lease had not so terminated or expired. No holding over by Tenant after the term of this Lease shall be construed to extend this Lease, and Tenant shall be deemed a tenant at will, terminable on five (5) days’ notice from Landlord. In
the event of any unauthorized holding over, Tenant shall indemnify Landlord against all claims for damages by any other tenant to whom Landlord shall have leased all or any part of the Premises effective upon the termination of this Lease. 

24. Rent Net. It is the intention of this Lease, and of the parties hereto, that, except as otherwise expressly provided herein, Tenant
shall pay all costs and expenses incident to the occupancy of the Premises throughout the term hereof, whether such costs and expenses be specifically described in this Lease or not, the rent reserved to Landlord being intended to be net to Landlord
and not subject to any charge or expenses, except as otherwise expressly provided herein. 
 25. Subordination. This Lease and all of
Tenant’s rights hereunder are automatically (without the need for further documentation) to the lien of any mortgage or mortgages, or the lien resulting from any other method of financing or refinancing (including any deed of trust), now or
hereafter in force against the Premises and to all advances made or hereafter to be made upon the security thereof. Upon Landlord’s request, Tenant shall execute a written subordination agreement on the form required by Landlord’s lender,
confirming such subordination. Tenant hereby agrees to attorn to any person, firm or corporation purchasing or otherwise acquiring the Project or the Premises at any sale or other proceeding or pursuant to the exercise of any other rights, power or
remedies under such mortgages or deeds of trust, as if such person, firm, or corporation had been named as Landlord herein. Notwithstanding the foregoing, in no event shall Landlord have, or be entitled to grant to a third party, a lien or security
interest in any of Tenant’s furniture, trade fixtures, equipment or other personal property. 
 26. Sublease or Assignment by
Tenant. 
 (a) Tenant shall not, without Landlord’s prior written consent, which consent shall not be unreasonably withheld,
(i) assign, convey, mortgage, pledge, encumber or otherwise transfer (whether voluntarily, by operation of law or otherwise) this Lease or any interest hereunder; (ii) allow any lien to be placed upon Tenant’s interest hereunder;
(iii) sublet the Premises or any part thereof; or (iv) permit the use or occupancy of the Premises or any part thereof by anyone other than Tenant. Any attempt to consummate any of the foregoing without Landlord’s consent shall be
void and of no force or effect. 
 (b) Notwithstanding the giving by Landlord of its consent to any subletting, assignment or occupancy as
provided hereunder or any language contained in such lease, sublease or assignment to the contrary, unless this Lease is expressly terminated by Landlord or 

  
 15 

 
Landlord expressly agrees to the contrary in writing, Tenant shall not be relieved of any of Tenant’s obligations or covenants under this Lease and Tenant shall remain fully liable
hereunder. 
 27. Quiet Enjoyment. Landlord covenants that Tenant shall and may peacefully have, hold and enjoy the Premises free
from hindrance by Landlord or any person claiming by, through or under Landlord but subject to the other terms hereof, provided that Tenant pays the rental and other sums herein recited to be paid by Tenant and performs all of Tenant’s
covenants and agreements herein contained. It is understood and agreed that this covenant and any and all other covenants of Landlord contained in this Lease shall be binding upon Landlord and its successors only with respect to breaches occurring
during the ownership of Landlord’s interest hereunder. 
 28. Assignment by Landlord. Landlord shall have the right to transfer
and assign, in whole or in part, all its rights and obligations hereunder and in the Premises, and in such event and upon such transfer which shall include transfer of any security deposits owed to Tenant, no further liability or obligation shall
thereafter accrue against Landlord hereunder. 
 29. Limitation of Landlord’s Personal Liability. Tenant specifically agrees to
look solely to Landlord’s equity interest in the Project for the recovery of any monetary judgment against Landlord, it being agreed that Landlord (and its partners) shall never be personally liable for any such judgment. 

30. Notices. Any notice or other communications required or permitted to be given under this Lease must be in writing and either
(i) deposited in the United States mail, postage prepaid, registered or certified mail, return receipt requested addressed to Landlord or Tenant, as applicable, as stated below, or (ii) delivered by a recognized overnight courier service
for which proof of delivery is available to the address for Landlord or Tenant, as applicable, stated below. Either party shall have the right to change its address to which notices shall thereafter be sent and the party to whose attention such
notice shall be directed by giving the other party notice thereof in accordance with the provisions of this paragraph. 
 Landlord:

 First Farmers and Merchants Bank 

P.O. Box 1148 
 Columbia, TN 

Attn: Sam Wantland 

Tenant: 
 Franklin Synergy
Bank 
 722 Columbia Ave. 

Franklin, TN 37064 

  
 16 

 31. Rules and Regulations. Landlord reserves the right to establish, and to modify from
time to time, such rules and regulations as Landlord may deem necessary to govern the use of the common areas. Tenant agrees to abide by such rules and regulations. Landlord shall have no liability for failure to enforce such rules and regulations
against other tenants. Landlord reserves the right to reconfigure, alter, modify or change the common areas from time to time. 
 32.
Inspection. Tenant hereby agrees to permit the Landlord or its agents to enter the Premises during the last six (6) months of the term for the purposes of exhibiting same to prospective tenants. Further, Landlord shall have free access
to the Premises at any time during the term of this Lease to inspect or examine same at any reasonable time and to make such repairs thereto as (a) Landlord is obligated to make hereunder, (b) Tenant is obligated to make hereunder, but
have not been made, or (c) Landlord may deem desirable or necessary for the safety or preservation for the Premises or the Projector. 

33. Sanitation, Traffic and Safety. Tenant agrees to comply with such reasonable rules and regulations as Landlord shall from time to
time impose, including reasonable requirements with regard to sanitation, handling of trash and debris, loading and unloading of trucks and other vehicles, safety and security against fire and theft, vandalism, personal injury and other hazards, and
for eliminating unsightly and/or unsanitary accumulation of trash or other similar misuses of highways, landscaping and loading areas, and to preclude unsightly window advertising. 

34. Miscellaneous. 
 (a)
This Lease shall be binding upon and inure to the benefit of the successors and assigns of Landlord, and shall be binding upon and inure to the benefit of Tenant, its successors, and, to the extent assignment may be approved by Landlord hereunder,
Tenant’s assigns. 
 (b) All rights and remedies of Landlord and Tenant under this Lease shall be cumulative and none shall exclude any
other rights or remedies allowed by law. This Lease is declared to be a Tennessee contract, and all of the terms hereof shall be construed according to the laws of the State of Tennessee. 

(c) This Lease may not be altered, changed or amended, except by an instrument in writing executed by Landlord and Tenant. 

(d) TO THE EXTENT PERMITTED BY APPLICABLE LAW, LANDLORD AND TENANT SHALL AND THEY HEREBY DO WAIVE TRIAL BY JURY IN ANY ACTION, PROCEEDING OR
COUNTERCLAIM BROUGHT BY LANDLORD OR TENANT AGAINST THE OTHER ON ANY MATTERS WHATSOEVER ARISING OUT OF OR IN ANY WAY CONNECTED WITH THIS LEASE, THE RELATIONSHIP OF LANDLORD AND TENANT, TENANT’S USE OR OCCUPANCY OF THE PREMISES AND/OR ANY CLAIM
OF INJURY OR DAMAGE. IN THE EVENT LANDLORD COMMENCES ANY PROCEEDINGS FOR NONPAYMENT OF RENT OR ANY OTHER AMOUNTS PAYABLE HEREUNDER, TENANT SHALL NOT INTERPOSE ANY COUNTERCLAIM OF 

  
 17 

 
WHATEVER NATURE OR DESCRIPTION IN ANY SUCH PROCEEDING, UNLESS THE FAILURE TO RAISE THE SAME WOULD CONSTITUTE A WAIVER THEREOF. THIS SHALL NOT, HOWEVER, BE CONSTRUED AS A WAIVER OF TENANT’S
RIGHT TO ASSERT SUCH CLAIMS IN ANY SEPARATE ACTION BROUGHT BY TENANT. 
 (e) If any term or provision of this Lease, or the application
thereof to any person or circumstance, shall to any extent be invalid or unenforceable, the remainder of this Lease, or the application of such provision to persons or circumstances other than those as to which it is invalid or unenforceable, shall
not be affected thereby, and each provision of this Lease shall be valid and shall be enforceable to the extent permitted by law. 
 (f)
Time is of the essence in this Lease. 
 (g) Brokers. Landlord and Tenant warrant and represent there were no brokers involved in this
transaction other than Kroeger Real Estate Company and Loch Company. (“the Brokers”). The Brokers commission is subject to a separate agreement between the parties. The parties shall indemnify, defend and hold each other harmless of, from
and against any and all losses, damages, liabilities, claims, liens, costs and expenses (including, without limitation, court costs, reasonable attorneys’ fees and litigation expenses) arising from any claims or demands of any other broker or
brokers or finders for any commission alleged to be due such other broker or brokers or finders claiming to have dealt with either party in connection with this Lease or with whom a party hereafter deals or whom a party hereafter employs. 

(h) Landlord’s receipt of any rental payable by Tenant hereunder with knowledge of the breach of a covenant or agreement contained in
this Lease shall not be deemed a waiver of the breach. No acceptance by Landlord of a lesser amount than the installment of rental which is due shall be considered, nor shall any endorsement or statement on any check or any letter accompanying any
check or payment be deemed, an accord and satisfaction. Landlord may accept a check or payment without prejudice to Landlord’s right to recover the balance due or to pursue any other remedy provided in this Lease. 

(i) Any claim, cause of action, liability or obligation arising under the terms of this Lease and under the provisions hereof in favor of a
party hereto against or obligating the other party hereto and all of Tenant’s indemnification obligations hereunder shall survive the expiration or any earlier termination of this Lease. 

(j) Each of Landlord and Tenant shall, upon reasonable request by one to the other, issue to such person or entity specified by such
requesting party, an estoppel certificate specifying: (a) the nature of any known default under this Lease of such requesting party or of the party to whom the request has been directed, (b) whether this Lease has been amended or modified in any way
(and if so, stating the nature of such amendment or notification), (c) that to the knowledge of the party giving the certificate, this Lease, as of the date of such certificate, is in full force and effect, (d) whether there are any rights of
set-off by the party giving the certificate against the other party and (e) such other matters reasonably requested by such requesting party. 

  
 18 

 (k) Entire Agreement. The entire understanding between the parties is set out in this
Lease, this Lease supersedes and voids all prior proposals, letters and agreements, oral or written, and no modification or alteration of this Lease shall be effective unless evidenced by an instrument in writing signed by both parties. 

IN WITNESS WHEREOF, the parties hereto have executed and sealed this Lease as of the date aforesaid. 

 

			
	LANDLORD:
	
	FIRST FARMERS and MERCHANTS BANK
		
	By:	 	

		 	  

		
	Title:	 	 Special Assets Asst. Manager

	
	TENANT:
	
	FRANKLIN SYNERGY BANK
		
	By:	 	

 Kevin Herrington
		 	  

		
	Title:	 	 SVP COO

  
 19 

 EXHIBIT A 

[Real Property Description] 

  
 20 

 EXHIBIT A-1 

Premises 
  
 

 

  
 21

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