Document:

<PAGE>

                                                                  EXHIBIT 10.13

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<CAPTION>

                                    ---------------------------------------------------
                                                         BORROWER

SUNTRUST                            PINNACLE FINANCIAL PARTNERS, INC.                           COMMERCIAL

                                                                                               VARIABLE RATE
                                                                                               REVOLVING OR

SunTrust Bank                                                                                    DRAW NOTE
Nashville, TN  37230-5110           3401 WEST END AVENUE, SUITE 306
(615) 748-4000     "LENDER"         NASHVILLE, TN  37203
                                    TELEPHONE NO.         IDENTIFICATION NO.

                                                               62-1812853

-------------------- -------------- --------------- ---------------- ------------------ ------------ ---------------
      OFFICER          INTEREST       PRINCIPAL         FUNDING        MATURITY DATE     CUSTOMER         LOAN
  IDENTIFICATION         RATE           AMOUNT      AGREEMENT DATE                        NUMBER         NUMBER
                                     CREDIT LINE
-------------------- -------------- --------------- ---------------- ------------------ ------------ ---------------
<S>                    <C>          <C>                <C>               <C>             <C>             <C>
       00229           VARIABLE     $1,500,000.00      06/28/00          12/31/00
-------------------- -------------- --------------- ---------------- ------------------ ------------ ---------------
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Purpose:  PAY OFF LOAN AT OTHER BANK AND COVER COST INCCURRED WITH ORGANIZING DE NOVO BANK

--------------------------------------------------------------------------------------------------------------------

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PROMISE TO PAY: For value received, Borrower promises to pay to the order of
Lender the principal amount of ONE MILLION FIVE HUNDRED THOUSAND AND NO/100
Dollars ($1,500,000.00 ) or, if less, the aggregate unpaid principal amount of
all loans or advances made by the Lender to the Borrower under this Note,
plus interest on the unpaid principal balance at the rate and in the manner
described below, until all amounts owing under this Note are paid in full. All
amounts received by Lender shall be applied first to any unpaid late charges and
expenses, then to accrued, unpaid interest, and then to unpaid principal or in
any other order as determined by Lender, in Lender's sole discretion, as
permitted by law.

REVOLVING OR DRAW FEATURE: /X/ This Note possesses a revolving feature. Upon
satisfaction of the conditions set forth in this Note, Borrower shall be
entitled to borrow up to the full principal amount of the Note and to repay
and reborrow from time to time during the term of this Note. / / This Note
possesses a draw feature. Upon satisfaction of the conditions set forth in
this Note, Borrower shall be entitled to draw one or more times under this
Note. Any repayment may not be reborrowed. The aggregate amount of such draws
shall not exceed the full principal amount of this Note.

Information with regard to any loans or advances under this Note shall be
recorded and maintained by Lender in its internal records and such records shall
be conclusive of the principal and interest owed by Borrower under this Note
unless there is a material error in such records. The Lender's failure to record
the date and amount of any loan or advance shall not limit or otherwise affect
the obligations of the Borrower under this Note to repay the principal amount of
the loans or advances together with all interest accruing thereon. Borrower
shall be entitled to inspect or obtain a copy of the records during Lender's
business hours.

CONDITIONS FOR ADVANCES: If no Event of Default has occurred under this Note,
Borrower shall be entitled to borrow monies under this Note (subject to the
limitations described above) under the following conditions:

INTEREST RATE: This Note has a variable rate feature. The interest on this Note
may change from time to time if the Index Rate identified below changes.
Interest shall be computed on the basis of THE ACTUAL NUMBER OF DAYS OVER 360
DAYS per year. Interest on this Note shall be calculated and payable at a
variable rate equal to 0.000% per annum OVER the Index Rate. The initial
interest rate on this Note shall be 9.500 % per annum. Any change in the
interest rate resulting from a change in the Index Rate will be effective on:

     each day of the Index Rate changes

RATE LIMITATIONS: Subject to applicable law, the minimum interest rate on this
Note shall be N/A % per annum. The maximum interest rate on this Note shall not
exceed 24.000% per annum, or if less, or if a maximum rate is not indicated, the
maximum interest rate Lender is permitted to charge by law. The maximum rate
increase at any one time will be N/A %. The maximum rate decrease at any one
time will be N/A %.

INDEX RATE:  :  The Index Rate for this Note shall be:

    the rate of interest from time to time designated by the Lender as its
   "Prime Rate," which rate is not necessarily the Lender's best or lowest rate
    of interest.

If the Index Rate is redefined or becomes unavailable, then Lender may select
another index which is substantially similar.

DEFAULT RATE: If there is an Event of Default under this Note, the Lender
may, in its discretion, increase the interest rate on this Note to: 24.00% or
the maximum interest rate Lender is permitted to charge by law, whichever is
less. PAYMENT SCHEDULE: Borrower shall pay the principal and interest
according to the following schedule:

    Interest only payments beginning July 28, 2000 and continuing at monthly
    time intervals thereafter. A final payment of the unpaid principal balance
    plus accrued interest is due and payable on December 31, 2000.

<PAGE>

PREPAYMENT: This note may be prepaid in part or in full on or before its
maturity date. If this Note contains more than one installment, any partial
prepayment will not affect the due date or the amount of any subsequent
installment, unless agreed to, in writing, by Borrower and Lender. If this
Note is prepaid in full, there will be: : /X/ No minimum finance charge. :
/ / A minimum finance charge of $_______________________.

LATE CHARGE: If a payment is received more than 15 days late, Borrower will
be charged a late charge of: : / / _______% of the unpaid payment: : /X/
$100.00 or 5.00% of the unpaid payment, whichever is : / / greater : /X/
less.

COLLATERAL To secure the payment and performance of obligations
incurred under this Note, Borrower grants Lender a security interest in all
of Borrower's right, title, and interest in all monies, instruments, savings,
checking and other accounts of Borrower (excluding IRA, Keogh, trust accounts
and other accounts subject to tax penalties if so assigned) that are now or
in the future in Lender's custody or control. : / / If checked, the
obligations under this Note are also secured by the collateral described in
any security instrument(s) executed in connection with this Note, and any
collateral described in any other security instrument(s) securing this Note
or all of Borrower's obligations to Lender.

RENEWAL: :  / / If checked, this Note is a renewal, but not a satisfaction, of
Loan Number _______________________.

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THE PERSONS SIGNING BELOW ACKNOWLEDGE THAT THEY HAVE READ, UNDERSTAND, AND AGREE
TO THE TERMS AND CONDITIONS OF THIS NOTE, INCLUDING THE PROVISIONS ON THE
REVERSE SIDE, AND FURTHER ACKNOWLEDGE RECEIPT OF AN EXACT COPY OF THIS NOTE.

Dated:  June 28, 2000
BORROWER: PINNACLE FINANCIAL                       BORROWER: PINNACLE FINANCIAL
          PARTNERS, INC.                                     PARTNERS, INC.

BY:   /S/  M. TERRY TURNER                         BY:   /S/ HUGH M. QUEENER
--------------------------                         -------------------------
M. TERRY TURNER                                    HUGH M. QUEENER
PRESIDENT/CEO                                      CHIEF ADMIN. OFFICER
BORROWER                                           BORROWER

--------------------------                         -------------------------
BORROWER:                                          BORROWER

--------------------------                         -------------------------

<PAGE>

                                                                  EXHIBIT 10.13

                              TERMS AND CONDITIONS

1. EVENTS OF DEFAULT. An Event of Default will occur under this Note in the
event that Borrower, any guarantor or any other third party pledging collateral
to secure this Note:

(a) fails to make any payment on this Note or any other indebtedness to Lender
    when due:

(b)  fails to perform any obligation or breaches any warranty or covenant to
     Lender contained in this Note, any security instrument, or any other
     present or future written agreement regarding this or any other
     indebtedness of Borrower to Lender;

(c)  provides or causes any false or misleading signature or representation to
     be provided to Lender;

(d)  sells, conveys, or transfers rights in any collateral securing this Note
     without the written approval of Lender; destroys, loses or damages such
     collateral in any material respect; or subjects such collateral to seizure,
     confiscation or condemnation.

(e)  has a garnishment, judgment, tax levy, attachment or lien entered or served
     against Borrower, any guarantor, or any third party pledging collateral to
     secure this Note or any of their property;

(f)  dies, becomes legally incompetent, is dissolved or terminated, ceases to
     operate its business, becomes insolvent, makes an assignment for the
     benefit of creditors, fails to pay debts as they become due, or becomes the
     subject of any bankruptcy, insolvency or debtor relief proceeding; fails to
     provide Lender evidence of satisfactory financial condition;

(g)  has a majority of its outstanding voting securities sold, transferred or
     conveyed to any person or entity other than any person or entity that has

(h)  the majority ownership as of the date of the execution of this Note; or
     causes Lender to deem itself insecure due to a significant decline in the
     value of any real or personal property securing payment of this Note, or

(i)  Lender in good faith, believes the prospect of payment or performance is
     impaired.

2.   RIGHTS OF LENDER ON EVENT OF DEFAULT. If there is an Event of Default under
     this Note, Lender will be entitled to exercise one or more of the following
     remedies without notice or demand (except as required by law):

(a)  to declare the principal amount plus accrued interest under this Note and
     all other present and future obligations of Borrower immediately due and
     payable in full, such acceleration shall be automatic and immediate in the
     Event of Default is a filing under the Bankruptcy Code;

(b)  to collect the outstanding obligations of Borrower with or without
     resorting to judicial process;

(c)  to cease making advances under this Note or any other agreement between
     Borrower and Lender;

(d)  to take possession of any collateral in any manner permitted by law;

(e)  to require Borrower to deliver and make available to Lender any collateral
     at a place reasonably convenient to Borrower and Lender;

(f)  to sell, lease or otherwise dispose of any collateral and collect any
     deficiency balance with or without resorting to legal process;

(g)  to set-off Borrower's obligations against any amounts due to Borrower
     including, but not limited to, monies, instruments, and deposit accounts
     maintained with Lender; and

(h)  to exercise all other rights available to Lender under any other written
     agreement or applicable law.
Lender's rights are cumulative and may be exercised together; separately, and in
order. Lender's remedies under this paragraph are in addition to those available
at common law, including, but not limited to, the right of set-off.

3. DEMAND FEATURE. : / / If checked, this Note contains a demand feature.
Lender's right to demand payment, at any time, and from time to time, shall
be in Lender's sole and absolute discretion, whether or not any default has
occurred.

4. FINANCIAL INFORMATION. Borrower will at all times keep proper books of record
and account in which full, true and correct entries shall be made in accordance
with generally accepted accounting principles and will deliver to Lender, within
ninety (90) days after the end of each fiscal year of Borrower, a copy of the
annual financial statements of Borrower relating to such fiscal year, such
statements to include (i) the balance sheet of Borrower as at the end of such
fiscal year and (ii) the related income statement, statement of retained
earnings and statement of cash flow of Borrower for such fiscal year, prepared
by such certified public accountants as may be reasonably satisfactory to
Lender. Borrower also agrees to deliver to Lender within fifteen (15) days after
filing same, a coy of Borrower's income tax returns and also, from time to time,
such other financial information with respect to Borrower as Lender may request.

5. MODIFICATION AND WAIVER. The modification or waiver of any of Borrower's
obligations or Lender's rights under this Note must be contained in a writing
signed by Lender. Lender may perform any of Borrower's obligations or delay or
fail to exercise any of its rights without causing a wavier of those obligations
or rights. A wavier on one occasion will not constitute a waiver on any other
occasion. Borrower's obligations under this Note shall not be affected if Lender
extends, increases, amends, compromises, exchanges, fails to exercise, impairs
or releases any of the obligations belonging to any co-borrower or guarantor or
any of its rights against any co-borrower, guarantor, the collateral or any of
the property securing the obligations.

6. SEVERABILITY. If any provision of this Note is invalid, illegal or
unenforceable, the validity, legality, and enforceability of the remaining
provisions shall not in any way be affected or impaired thereby.

7. ASSIGNMENT. Borrower agrees not to assign any of Borrower's rights, remedies
or obligations described in this Note without the prior written consent of
Lender, which consent may be withheld by Lender in its sole discretion. Borrower
agrees that Lender is entitled to assign some or all of its rights and remedies
described in this Note without notice to or the prior consent of Borrower.

<PAGE>

8. NOTICE. Any notice or other communication to be provided to Borrower or
Lender under this Note shall be in writing and sent to the parties at the
addresses described in this Note or such other address as the parties may
designate in writing from time to time.

9. APPLICABLE LAW. This Note shall be governed by the laws of the state of
Tennessee. Unless applicable law provides otherwise, Borrower consents to the
jurisdiction and venue of any court located in Tennessee selected by Lender, in
its discretion, in the event of any legal proceeding under this Note.

10. COLLECTION COSTS. To the extent permitted by law, Borrower agrees to pay on
demand Lender's reasonable fees and costs, including, but not limited to, fees
and costs of attorneys and other agents (including without limitation
paralegals, clerks and consultants), whether or not such attorney or agent is an
employee of Lender, which are incurred by Lender in collecting any amount due or
enforcing or protecting any right or remedy under this Note, whether or not suit
is brought, including, but not limited to, all fees and costs incurred on
appeal, in bankruptcy, and for post-judgment collection actions.

11. MISCELLANEOUS. This Note is being executed primarily for commercial,
agricultural, or business purposes. Time is of the essence in the performance of
this agreement. Borrower agrees to make all payments to Lender at any address
designated by Lender and in lawful United States currency. Borrower and any
person who endorses this Note waives presentment, demand for payment, notice of
dishonor and protest and further waives any right to require Lender to proceed
against anyone else before proceeding against Borrower or said person. All
references to Borrower in this Note shall include all of the parties signing
this Note, and this Note shall be binding upon the heirs, personal
representatives, successors and assigns of Borrower and Lender. If there is more
than one Borrower their obligations under this Note shall be joint and several.
Information concerning this Note may be reported to credit reporting agencies
and will be made available when requested by proper legal process. This Note
represents the complete and integrated understanding between Borrower and Lender
regarding the terms hereof.

12.  JURY TRIAL, WAIVER, LENDER AND BORROWER HEREBY WAIVE ANY RIGHT TO A TRIAL
BY JURY IN ANY CIVIL ACTION ARISING OUT OF, OR BASED UPON, THIS NOTE OR THE
COLLATERAL SECURING THIS NOTE.

13.  ADDITIONAL TERMS: [NONE]

<PAGE>

                                    GUARANTY

1.   FOR VALUE RECEIVED, and in consideration of any extension of credit form
     --------------------------------------------------------------------------
                                SUN TRUST                                (Bank)
     ------------------------------------------------------------------
     to:                        PINNACLE FINANCIAL PARTNERS, INC. .
     ---------------------------------------------------------------------------

     hereinafter called the (Borrower), the undersigned hereby guarantee(s)
     prompt payment when due or at any time thereafter of any and all
     indebtedness or obligations upon which the Borrower now is or may
     hereafter, at any time and from time to time, and for any one or more
     purposes, become obligated or bound to said Bank, of every kind and
     character, direct or indirect, absolute or contingent, and whether such
     indebtedness is from time to time reduced and thereafter increased or
     entirely extinguished and thereafter reincurred, or whether said
     obligations arise with our without notice to Guarantor, and whether by
     reason of loans, overdrafts or other extensions of credit made by or with
     the consent of said Borrower, together with the unpaid accrued interest
     thereon.

2.   This Guaranty, is, and is intended to be, an absolute, unconditional and
     continuing guaranty which shall not be affected by any act or thing
     whatsoever except as herein provided, and which shall be independent of and
     in addition to any other guaranty, endorsement or collateral held by Bank
     with respect to any or all of the indebtedness to the Bank covered hereby.
     This Guaranty shall remain in full force and effect as to any indebtedness
     owed by Borrower to Bank at any time even though the initial credit or any
     subsequent credit extended has been paid. The undersigned, or any of the
     undersigned, may give to any Bank officer notice in writing of cancellation
     of this Guaranty, which cancellation notice is effective only when
     acknowledged in writing by the Bank officer to whom given. The obligation
     of any of the undersigned or any other Guarantor who shall not have given
     notice of cancellation shall, as to all indebtedness created, incurred or
     arising after the giving of such notice, remain and continues as if the
     Guarantors who have not given notice of cancellation had been the only
     persons signing this Guaranty. It is understood however, that no
     termination or cancellation of said Guaranty, whether by lapse of time or
     as a result of notice, shall relieve the parties hereto of any liability or
     any indebtedness incurred by Borrower or committed or promised by the Bank
     prior to the time of said termination or cancellation.

3.   No modification, amendment or waiver of any provision of this Guaranty
     shall be effective unless in writing and subscribed by a duly authorized
     officer of Bank. The Bank shall have the right, without affecting the
     undersigned's obligations hereunder, and without demand or notice, from
     time to time: (a) to release any one or more of the undersigned or any
     other Guarantor in whole or in part without in any way impairing or
     affecting its right against the other or others; (b) to extend, increase,
     renew, accelerate or otherwise change the time for payment, (with or
     without the use of new notes or amendments) the terms of or the interest on
     any part or all of the indebtedness; (c) to receive, exchange or release
     any collateral from any party securing payment of the indebtedness or any
     part thereof; and (d) to collect first and to exercise its rights of
     setoffs against any asset of Borrower for any indebtedness of Borrower to
     the Bank not covered by this Guaranty, if any such indebtedness shall exist
     because of limitations of paragraph 6. Subrogation rights or any other
     rights of any kind of the undersigned against the Borrower, if any, shall
     not become available hereunder until all of the indebtedness is paid in
     full. The undersigned also agree to pay all costs and expenses of Bank in
     attempting to collect the indebtedness due from Borrower and in enforcing
     this Guaranty, including, but not limited to, reasonable attorney's fees.
     This guaranty shall inure to the benefit of the Bank, its successors in
     interest and assigns and shall be binding upon the heirs, executors,
     administrators, and successors and assigns, of the undersigned, each of
     whom does hereby expressly waive all types of notice relative to this
     Guaranty and of any of the Borrower's transactions, including demand,
     notice or protest of any note, draft or other items on which said Borrower
     may be bound or liable for payment.

4.   The undersigned are jointly and severally liable; and the Bank may enforce
     this obligation against any one or more of them whenever the indebtedness
     hereby secured becomes due or at any time thereafter without being first
     required to proceed against the principal obligor or to realize upon any
     collateral security for the debt. The failure of any other person to sign
     this or another Guaranty shall not release any of the undersigned and
     discontinuance of this or another Guaranty as to one of the undersigned
     shall not operate as a discontinuance as to any other Guarantor.

5.   In the event of the death of any Guarantor the obligation of the deceased
     shall continue in full force and effect against his estate as to all
     indebtedness which shall have been created or incurred by the Borrower or
     committed or promised by the Bank (whether evidenced by notes, executed
     before or after such death or in any other manner) prior to the time when
     the Bank shall have received notice in writing of such death; and the
     executor or administrator of such estate shall be obligated and authorized
     to pay such debt and, if acceptable to the Bank, to execute renewal
     guaranties or endorsements, from time to time, with respect to any unpaid
     portion. Further, this Guaranty shall continue in full force as a Guaranty
     by the surviving Guarantors as if such Guarantors had been the only persons
     who guaranteed said indebtedness.

6.   Unless specific indebtedness is described, in the space below, the
     indebtedness covered hereby shall have the unlimited meaning provided in
     paragraphs 1 and 2; but if the space below is filled in, such covered
     indebtedness shall be limited to the extent set forth below, together with
     all renewals or extensions of such indebtedness, or any part thereof:

<PAGE>

7.   Other (describe) ---------------------------------------------------------
                      "Limited to principal and accrued interest on $1,500,000
                      ---------------------------------------------------------
                       line of credit note date
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                               JUNE ___, 2000, AND ANY EXTENSIONS OR RENEWALS."
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EXECUTED this _______ day of                                  , 19________.
                             ---------------------------------

WITNESSES                                                        GUARANTOR(S)
--------------------------                          -------------------------
--------------------------                          -------------------------
Bank Officer<PAGE>

                                                                  EXHIBIT 10.14

                              EMPLOYMENT AGREEMENT

         THIS AGREEMENT is made as of the 1st day of March, 2000, by and among
PINNACLE NATIONAL BANK (Proposed) (the "Bank"), a proposed national bank;
PINNACLE FINANCIAL PARTNERS, INC. (formerly known as TMP, Inc.), a proposed bank
holding company incorporated under the laws of the State of Tennessee (the
"Company") (collectively, the Bank and the Company are referred to hereinafter
as the "Employer"), and MICHAEL TERRY TURNER, a resident of the State of
Tennessee (the "Executive").

                                    RECITALS:

         The Employer desires to employ the Executive as President and Chief
Executive Officer of the Bank and the Company and the Executive desires to
accept such employment.

         The parties previously entered into an employment agreement, also dated
as of March 1, 2000, that they wish to restate primarily for the purpose of
revising certain change-in-control provisions.

         In consideration of the above premises and the mutual agreements
hereinafter set forth, the parties hereby agree as follows:

1.       DEFINITIONS. Whenever used in this Agreement, the following terms and
         their variant forms shall have the meaning set forth below:

         1.1      "AGREEMENT" shall mean this Agreement and any exhibits
incorporated herein together with any amendments hereto made in the manner
described in this Agreement.

         1.2      "AFFILIATE" shall mean any business entity which controls the
Company, is controlled by or is under common control with the Company.

         1.3      "BUSINESS OF THE EMPLOYER" shall mean the business conducted
by the Employer, which is the business of commercial banking.

         1.4      "CAUSE" shall mean:

                  1.4.1    With respect to termination by the Employer:

                           (a) a material breach of the terms of this Agreement
             by the Executive, including, without limitation, failure by the
             Executive to perform his duties and responsibilities in the manner
             and to the extent required under this Agreement, which remains
             uncured after the expiration of thirty (30) days following the
             delivery of written notice of such breach to the Executive by
             Employer. Such notice shall (i) specifically identify the duties
             that the Board of Directors of either the Company or the Bank

<PAGE>

             believes the Executive has failed to perform, (ii) state the facts
             upon which such Board of Directors made such determination, and
             (iii) be approved by a resolution passed by two-thirds (2/3) of the
             directors then in office;

                           (b) conduct by the Executive that amounts to fraud,
             dishonesty or willful misconduct in the performance of his duties
             and responsibilities hereunder;

                           (c) arrest for, charged in relation to (by criminal
              information, indictment or otherwise), or conviction of the
              Executive during the Term of this Agreement of a crime involving
              breach of trust or moral turpitude;

                           (d) conduct by the Executive that amounts to gross
             and willful insubordination or inattention to his duties and
             responsibilities hereunder; or

                           (e) conduct by the Executive that results in removal
             from his position as an officer or executive of Employer pursuant
             to a written order by any regulatory agency with authority or
             jurisdiction over Employer.

                  1.4.2    With respect to termination by the Executive:

                           (a) a material modification to the Executive's job
              title(s) or position(s) of responsibility or the scope of his
              authority or responsibilities under this Agreement without the
              Executive's written consent, which modification is not cured to
              the reasonable satisfaction of the Executive within thirty (30)
              days after written notice thereof from the Executive to the Board
              of Directors of either the Bank or the Company;

                           (b) a change in supervision so that the Executive no
              longer reports to the person(s) or entity to whom he reported
              immediately after the Effective Date, which change in supervision
              is effected without the Executive's written consent;

                           (c) a change in supervisory authority so that the
              holder of any position who normally reported to the Executive
              immediately after the Effective Date no longer reports to the
              Executive on a regular basis, which change in supervisory
              authority is effected without the Executive's written consent;

                           (d) any change in the Executive's office location
              such that the Executive is required to report regularly to a
              location that is beyond a 25-mile radius from the Executive's
              office location determined immediately after the Effective Date,
              which change in office location is effected without the
              Executive's written consent; and

                           (e) any material reduction in salary, bonus
              opportunity or other benefits provided for in Section 4 below from
              the level in effect immediately prior to the Change of Control.

                                       2

<PAGE>

         1.5      "CHANGE OF CONTROL" means any one of the following events:

                           (a) the acquisition by any person or persons acting
             in concert of the then outstanding voting securities of either the
             Bank or the Company, if, after the transaction, the acquiring
             person (or persons) owns, controls or holds with power to vote
             forty percent (40%) or more of any class of voting securities of
             either the Bank or the Company, as the case may be;

                           (b) within any twelve-month period (beginning on or
             after the Effective Date) the persons who were directors of either
             the Bank or the Company immediately before the beginning of such
             twelve-month period (the "Incumbent Directors") shall cease to
             constitute at least a majority of such board of directors; provided
             that any director who was not a director as of the Effective Date
             shall be deemed to be an Incumbent Director if that director were
             elected to such board of directors by, or on the recommendation of
             or with the approval of, at least two-thirds of the directors who
             then qualified as Incumbent Directors; and provided further that no
             director whose initial assumption of office is in connection with
             an actual or threatened election contest (as such terms are used in
             Rule 14a-11 of Regulation 14A promulgated under the Securities
             Exchange Act of 1934) relating to the election of directors shall
             be deemed to be an Incumbent Director;

                           (c) a reorganization, merger or consolidation, with
             respect to which persons who were the stockholders of the Bank or
             the Company, as the case may be, immediately prior to such
             reorganization, merger or consolidation do not, immediately
             thereafter, own more than fifty percent (50%) of the combined
             voting power entitled to vote in the election of directors of the
             reorganized, merged or consolidated company's then outstanding
             voting securities; or

                           (d) the sale, transfer or assignment of all or
             substantially all of the assets of the Company and its subsidiaries
             to any third party.

         1.6      "COMPANY INFORMATION" means Confidential Information and Trade
Secrets.

         1.7      "CONFIDENTIAL INFORMATION" means data and information relating
to the business of the Bank or the Company (which does not rise to the status of
a Trade Secret) which is or has been disclosed to the Executive or of which the
Executive became aware as a consequence of or through the Executive's
relationship to the Employer and which has value to the Employer and is not
generally known to its competitors. Confidential Information shall not include
any data or information that has been voluntarily disclosed to the public by the
Employer (except where such public disclosure has been made by the Executive
without authorization) or that has been independently developed and disclosed by
others, or that otherwise enters the public domain through lawful means.

         1.8      "DISABILITY" shall mean the inability of the Executive to
perform each of his material duties under this Agreement for the duration of the
short-term disability period under the

                                       3

<PAGE>

Employer's policy then in effect as certified by a physician chosen by the
Employer and reasonably acceptable to the Executive.

         1.9      "EFFECTIVE DATE" shall mean the date March 1, 2000.

         1.10     "INITIAL TERM" shall mean that period of time commencing on
March 1, 2000 (the "Beginning Date") and running until the close of business on
the last business day immediately preceding the third anniversary of the
Beginning Date.

         1.11     "TERM" shall mean the last day of the Initial Term or most
recent subsequent renewal period.

         1.12     "TRADE SECRETS" means Employer information including, but not
limited to, technical or nontechnical data, formulas, patterns, compilations,
programs, devices, methods, techniques, drawings, processes, financial data,
financial plans, product plans or lists of actual or potential customers or
suppliers which:

                           (a) derives economic value, actual or potential, from
             not being generally known to, and not being readily ascertainable
             by proper means by, other persons who can obtain economic value
             from its disclosure or use; and

                           (b) is the subject of efforts that are reasonable
             under the circumstances to maintain its secrecy.

2.       DUTIES.

         2.1      POSITION. The Executive is employed initially as President and
Chief Executive Officer of the Bank and the Company and, subject to the
direction of the Board of Directors of the Bank or the Company or its
designee(s), shall perform and discharge well and faithfully the duties which
may be assigned to him from time to time by the Bank or the Company in
connection with the conduct of its business. The duties and responsibilities of
the Executive are set forth on EXHIBIT A attached hereto.

         2.2      FULL-TIME STATUS. In addition to the duties and
responsibilities specifically assigned to the Executive pursuant to Section 2.1
hereof, the Executive shall:

                           (a) devote substantially all of his time, energy and
             skill during regular business hours to the performance of the
             duties of his employment (reasonable vacations and reasonable
             absences due to illness excepted) and faithfully and industriously
             perform such duties;

                           (b) diligently follow and implement all reasonable
             and lawful management policies and decisions communicated to him by
             the Board of Directors of either the Bank or the Company; and

                                       4

<PAGE>

                           (c) timely prepare and forward to the Board of
             Directors of either the Bank or the Company all reports and
             accountings as may be requested of the Executive.

         2.3      PERMITTED ACTIVITIES. The Executive shall devote his entire
business time, attention and energies to the Business of the Employer and shall
not during the Term be engaged (whether or not during normal business hours) in
any other business or professional activity, whether or not such activity is
pursued for gain, profit or other pecuniary advantage; but this shall not be
construed as preventing the Executive from:

                           (a) investing his personal assets in businesses which
             (subject to clause (b) below) are not in competition with the
             Business of the Employer and which will not require any services on
             the part of the Executive in their operation or affairs and in
             which his participation is solely that of an investor;

                           (b) purchasing or otherwise acquiring an ownership
             interest in any entity provided that such interest shall not result
             in him collectively owning beneficially at any five percent (5%) or
             more of any entity, or to the extent applicable, five percent (5%)
             or more of the stock, capital or profits of any entity in
             competition with the Business of the Employer; and

                           (c) participating in civic and professional affairs
             and organizations and conferences, preparing or publishing papers
             or books or teaching so long as the Board of Directors of either
             the Bank or the Company approves of such activities prior to the
             Executive's engaging in them.

Notwithstanding the foregoing provisions of this Section 2.3, the Executive may
provide services to any entity and may engage in such additional investment
activities to the extent such services and such additional investment activities
have been expressly approved in writing by the Board of Directors of either the
Bank or the Company.

3.       TERM AND TERMINATION.

         3.1      TERM. This Agreement shall remain in effect for the Term.
While this Agreement remains in effect it shall automatically renew each day
after the Effective Date so that the Term remains a three-year term from
day-to-day hereafter unless the Employer or the Executive gives written notice
to the other of its intent that the automatic renewals shall cease. In the event
such notice of non-renewal is properly given, this Agreement and the Term shall
expire on the third anniversary of the thirtieth (30th) day following the date
such written notice is received.

         3.2      TERMINATION. During the Term, the employment of the Executive
under this Agreement may be terminated only as follows:

                  3.2.1    By the Employer:

                           (a) In the event that the Bank fails to receive its
                  regulatory charter, or the Company fails to raise the
                  necessary capital required to open the Bank, and

                                       5

<PAGE>

                  should the Company's Founders decide to forgo future efforts
                  to open the Bank, in which event the Employer shall be
                  required to continue to meet its obligation to the Executive
                  under Section 4.1 until December 31, 2000;

                           (b) For Cause, upon written notice to the Executive
                  pursuant to Section 1.4.1 hereof, where the notice has been
                  approved by a resolution passed by two-thirds of the directors
                  of either the Bank or the Company then in office;

                           (c) Without Cause at any time, provided that the Bank
                  shall give the Executive thirty (30) days' prior written
                  notice of its intent to terminate, in which event the Employer
                  shall be required to continue to meet its obligations to the
                  Executive under Section 4.1 for a period equal to the
                  remaining Term of the Agreement; or

                           (d) Upon the Disability of Executive at any time,
                  provided that the Employer shall give the Executive
                  thirty (30) days' prior written notice of its intent to
                  terminate, in which event, the Employer shall be required
                  to continue to meet its obligations under Section 4.1 for a
                  period of six (6) months or until the Executive begins
                  receiving payments under the Company's long-term disability
                  policy, whichever occurs first.

                  3.2.2    By the Executive:

                           (a) For Cause, in which event the Employer shall be
                  required to continue to meet its obligations under Section 4.1
                  for a period equal to the lesser of (i) twelve (12) months
                  following the termination or (ii) the remaining Term of the
                  Agreement; or

                           (b) Without Cause or upon the Disability of the
                  Executive, provided that the Executive shall give the Employer
                  sixty (60) days' prior written notice of his intent to
                  terminate.

                  3.2.3    At any time upon mutual, written agreement of the
                  parties.

                  3.2.4    Notwithstanding anything in this Agreement to the
                  contrary, the Term shall end automatically upon the
                  Executive's death.

         3.3      CHANGE OF CONTROL. If the Executive terminates his employment
with the Employer under this Agreement for Cause within twelve (12) months
following a Change of Control, the Executive, or in the event of his subsequent
death, his designated beneficiaries or his estate, as the case may be, shall
receive, as liquidated damages, in lieu of all other claims, a severance payment
equal to three (3) times the Executives then current Base Salary and target
bonus amount to be paid in full on the last day of the month following the date
of termination. The Executive and his immediate family will continue to receive
the health insurance plan benefits then in effect for employees of the Company
and/or the Bank for a period of three years

                                       6

<PAGE>

to include payment of the Employer funded portion of the plan. The Executive
will also receive tax assistance, advice and filing preparation services from a
qualified accounting firm of his choice for a period of three years at a cost to
the Company and/or the Bank not to exceed $2,500 per year.

         3.4      EFFECT OF TERMINATION. Upon termination of the Executive's
employment hereunder, the Employer shall have no further obligations to the
Executive or the Executive's estate with respect to this Agreement, except for
the payment of salary and bonus amounts, if any, accrued pursuant to Sections
4.1 and 4.2 hereof and unpaid as of the effective date of the termination of
employment and payments set forth in Sections 3.2.1(a),(c) or (d); Section
3.2.2(a); Section 3.3; Section 3.5 and/or Section 4.4, as applicable. Nothing
contained herein shall limit or impinge upon any other rights or remedies of the
Employer or the Executive under any other agreement or plan to which the
Executive is a party or of which the Executive is a beneficiary.

         3.5      TAX INDEMNITY. In the event it shall be determined that any
payment or benefits by the Employer to the Executive (a "Payment") would subject
the Executive to an excise tax under Section 4999 of the Internal Revenue Code
(the "Code") (or any successor federal tax law), or any interest or penalties
are incurred or paid by the Executive with respect to such excise tax (any such
excise tax, together with any interest and penalties, are hereinafter
collectively referred to as the "Excise Tax"), then the Executive shall be
entitled to an additional payment from the Employer as is necessary (after
taking into account all federal, state and local taxes regardless of type,
whether income, excise or otherwise) imposed upon the Executive as a result of
the receipt of the payment contemplated by this Agreement) and any reduction in
such taxes of the Executive as a result of the payment of the related Excise
Tax) to place the Executive in the same after-tax position the Executive would
have been in had no Excise Tax been imposed upon or incurred or paid by the
Executive (the "Tax Indemnity"). The Employer's outside auditor shall determine,
utilizing such reasonable assumptions as it considers necessary, whether a
Payment would subject the Executive to the Excise Tax within thirty (30) days
after receipt of a written request from the Employer or the Executive in which
the requesting party verifies that a Payment has been made and requests an
appropriate determination. The requesting party shall provide the other party
with a copy of any such written request. The outside auditor shall determine
whether a Tax Indemnity obligation exists and, if so, the amount of the Tax
Indemnity and shall provide supporting documentation to both the Employer and
the Executive. The Employer shall pay the Executive any Tax Indemnity so
determined in a lump sum in cash within thirty (30) days following the release
of the related determination by the outside auditor; provided, however, that any
such payment may be reduced by applicable legal withholdings. In the event that
the Internal Revenue Service subsequently assesses an Excise Tax that is greater
than the tax previously calculated by the outside auditor, the Employer shall
make an additional Tax Indemnity payment, as calculated by the outside auditor
in a manner consistent with the provisions of this Section 3.5, to the Executive
within thirty (30) days of the date of such assessment.

4.       COMPENSATION. The Executive shall receive the following salary and
benefits during the Term, except as otherwise provided below:

                                       7

<PAGE>

         4.1      BASE SALARY. During the Initial Term, the Executive shall be
compensated at a base rate of $220,000 per year (the "Base Salary"). The
obligation for payment of Base Salary shall be apportioned between the Company
and the Bank as they may agree from time to time in their sole discretion. The
Executive's Base Salary shall be reviewed by the Board of Directors of the Bank
and the Company at least annually, and the Executive shall be entitled to
receive annually an increase in such amount, if any, as may be determined by the
Board of Directors of the Bank or the Company based on its evaluation of
Executive's performance. Base Salary shall be payable in accordance with the
Employer's normal payroll practices.

         4.2      INCENTIVE COMPENSATION. The Executive shall be entitled to
annual bonus compensation, if any, as determined by the Board of Directors of
the Company or the Bank pursuant to any incentive compensation program as may be
adopted from time to time by the Company or the Bank.

         4.3      STOCK OPTIONS. The Company will establish a stock incentive
plan contemporaneously with the initial public offering of the Company's common
stock. The Company will grant to the Executive pursuant to such stock incentive
plan, consistent with applicable provisions of the Internal Revenue Code, an
incentive stock option to purchase, at a per share purchase price equal to
$10.00, 45,000 shares of the Company's common stock. The option generally will
become vested and exercisable in twenty percent (20%) increments, commencing on
the first anniversary of the option grant date, which shall be the closing date
for the Company's initial public offering, and continuing for the next four
successive anniversaries; provided, however, that, in the event of a Change of
Control, the option shall become fully vested and exercisable; provided further,
that in the event of a Change of Control prior to the third anniversary of the
date the Bank opens for business, the option shall become vested and exercisable
at a rate no more rapidly than thirty-three and one-third percent (33 1/3%) per
year over the first three anniversaries of the date the Bank opens for business.
The option shall expire generally upon the earlier of ninety (90) days following
termination of employment or upon the tenth anniversary of the option grant
date. The option will be issued by the Employer pursuant to the Company's stock
incentive plan and subject to the terms of a related stock option agreement. The
Executive shall be eligible for future option grants so long as the Company
maintains a stock incentive plan and shall participate in future grants at a
level that is commensurate with the relative levels of participation by all
other senior management employees of the Employer.

         4.4      HEALTH INSURANCE.

                  (a) The Employer shall reimburse the Executive for the cost of
         premium payments paid by the Executive for the Executive's current
         health insurance covering the Executive and the members of his
         immediate family until the first to occur of the following:

                      (i) such time as the Company adopts a health insurance
                  plan for employees of the Company and/or the Bank;

                      (ii) the Company and the Bank abandon their organizational
                  efforts; or

                                       8

<PAGE>

                      (iii) December 31, 2000.

                  (b)      In the event of termination by the Executive for
         Cause (Section 3.2.3(a)), the Employer shall reimburse Executive for
         the cost of premium payments paid by the Executive to continue his then
         existing health insurance for himself and his eligible dependents as
         provided by the Employer for a period of three (3) months following the
         date of termination of employment.

                  (c)      In the event of a termination by the Employer without
         Cause (Section 3.2.1(c)), the Employer shall reimburse the Executive
         for the cost of premium payments paid by the Executive to continue his
         then existing health insurance for himself and his eligible dependents
         as provided by Employer for a period of twelve (12) months following
         the date of termination of employment.

         4.5      AUTOMOBILE. Beginning as of the month in which the Bank
receives preliminary charter approval, the Employer will provide Executive with
an automobile allowance of $750 per month.

         4.6      BUSINESS EXPENSES; MEMBERSHIPS. The Employer specifically
agrees to reimburse the Executive for:

                  (a) reasonable and necessary business (including travel)
         expenses incurred by him in the performance of his duties hereunder, as
         approved by the Board of Directors of either the Bank or the Company;
         and

                  (b) beginning as of the Effective Date, the dues and business
         related expenditures, including initiation fees, associated with
         membership in a single civic

         association both as selected by the Executive and in professional
         associations which are commensurate with his position; provided,
         however, that the Executive shall, as a condition of reimbursement,
         submit verification of the nature and amount of such expenses in
         accordance with reimbursement policies from time to time adopted by the
         Employer and in sufficient detail to comply with rules and regulations
         promulgated by the Internal Revenue Service.

         4.7      VACATION. On a non-cumulative basis, the Executive shall be
entitled to four (4) weeks of vacation in each successive twelve-month period
during the Term, during which his compensation shall be paid in full.

         4.8      LIFE INSURANCE. The Employer will provide the Executive with
access to term life insurance coverage at competitive group rates at such time
as the Company develops a life plan for employees of the Company and/or Bank,
providing a death benefit of not less than $1,000,000, payable to such
beneficiary or beneficiaries as the Executive may designate.

                                       9

<PAGE>

         4.9      TAX PREPARATION SERVICES. The Employer will provide the
Executive with tax preparation services annually through a qualified accounting
firm of the Executive's choice at an annual cost not to exceed $2,500.

         4.10     BENEFITS. In addition to the benefits specifically described
in this Agreement, the Executive shall be entitled to such benefits as may be
available from time to time to executives of the Bank similarly situated to the
Executive. All such benefits shall be awarded and administered in accordance
with the Bank's standard policies and practices. Such benefits may include, by
way of example only, profit-sharing plans, retirement or investment funds,
dental, health, life and disability insurance benefits and such other benefits
as the Bank deems appropriate.

         4.11     WITHHOLDING. The Employer may deduct from each payment of
compensation hereunder all amounts required to be deducted and withheld in
accordance with applicable federal and state income, FICA and other withholding
requirements.

5.       COMPANY INFORMATION.

         5.1      OWNERSHIP OF COMPANY INFORMATION. All Company Information
received or developed by the Executive while employed by the Employer will
remain the sole and exclusive property of the Employer.

         5.2      OBLIGATIONS OF THE EXECUTIVE.  The Executive agrees:

                  (a) to hold Company Information in strictest confidence;

                  (b) not to use, duplicate, reproduce, distribute, disclose or
         otherwise disseminate Company Information or any physical embodiments
         of Company Information; and

                  (c) in any event, not to take any action causing or fail to
         take any action necessary in order to prevent any Company Information
         from losing its character or ceasing to qualify as Confidential
         Information or a Trade Secret.

In the event that the Executive is required by law to disclose any Company
Information, the Executive will not make such disclosure unless (and then only
to the extent that) the Executive has been advised by independent legal counsel
that such disclosure is required by law and then only after prior written notice
is given to the Company when the Executive becomes aware that such disclosure
has been requested and is required by law. This Section 5 shall survive for a
period of twelve (12) months following termination of this Agreement for any
reason with respect to Confidential Information, and shall survive termination
of this Agreement for any reason for so long as is permitted by applicable law,
with respect to Trade Secrets.

         5.3      DELIVERY UPON REQUEST OR TERMINATION. Upon request by the
Employer, and in any event upon termination of his employment with the Employer,
the Executive will promptly deliver to the Employer all property belonging to
the Employer, including, without limitation, all Company Information then in his
possession or control. The Executive agrees that the covenant

                                       10

<PAGE>

contained in Section 5 of this Agreement are of the essence of this Agreement;
that the covenant is reasonable and necessary to protect the business, interests
and properties of the Employer.

6.       SEVERABILITY. The parties agree that each of the provisions included in
this Agreement is separate, distinct and severable from the other provisions of
this Agreement and that the invalidity or unenforceability of any Agreement
provision shall not affect the validity or enforceability of any other provision
of this Agreement. Further, if any provision of this Agreement is ruled invalid
or unenforceable by a court of competent jurisdiction because of a conflict
between the provision and any applicable law or public policy, the provision
shall be redrawn to make the provision consistent with and valid and enforceable
under the law or public policy.

7.       NO SET-OFF BY THE EXECUTIVE. The existence of any claim, demand, action
or cause of action by the Executive against the Employer, or any Affiliate of
the Employer, whether predicated upon this Agreement or otherwise, shall not
constitute a defense to the enforcement by the Employer of any of its rights
hereunder.

8.       NOTICE. All notices and other communications required or permitted
under this Agreement shall be in writing and, if mailed by prepaid first-class
mail or certified mail, return receipt requested, shall be deemed to have been
received on the earlier of the date shown on the receipt or three (3) business
days after the postmarked date thereof. In addition, notices hereunder may be
delivered by hand or overnight courier, in which event the notice shall be
deemed effective when delivered. All notices and other communications under this
Agreement shall be given to the parties hereto at the following addresses:

                  (i)  If to the Employer, to it at:

                       -----------------------------------------
                       -----------------------------------------
                       -----------------------------------------

                  (ii) If to the Executive, to him at:

                       812 Jones Parkway
                       Brentwood, TN  37027

9.       ASSIGNMENT. Neither party hereto may assign or delegate this Agreement
or any of its rights and obligations hereunder without the written consent of
the other party to this Agreement.

10.      WAIVER. A waiver by one party to this Agreement of any breach of this
Agreement by the other party to this Agreement shall not be effective unless in
writing, and no waiver shall operate or be construed as a waiver of the same or
another breach on a subsequent occasion.

11.      ARBITRATION. Any controversy or claim arising out of or relating to
this contract, or the breach thereof, shall be settled by binding arbitration in
accordance with the Commercial Arbitration Rules of the American Arbitration
Association. Judgment upon the award rendered by

                                       11

<PAGE>

the arbitrator may be entered only in a state court of Tennessee or the federal
court for the Middle District of Tennessee. The Employer and the Executive agree
to share equally the fees and expenses associated with the arbitration
proceedings.

12.      ATTORNEYS' FEES. In the event that the parties have complied with this
Agreement with respect to arbitration of disputes and litigation ensues between
the parties concerning the enforcement of an arbitration award, the party
prevailing in such litigation shall be entitled to receive from the other party
all reasonable costs and expenses, including without limitation attorneys' fees,
incurred by the prevailing party in connection with such litigation, and the
other party shall pay such costs and expenses to the prevailing party promptly
upon demand by the prevailing party.

13.      APPLICABLE LAW. This Agreement shall be construed and enforced under
and in accordance with the laws of the State of Tennessee.

14.      INTERPRETATION. Words importing any gender include all genders. Words
importing the singular form shall include the plural and vice versa. The terms
"herein", "hereunder", "hereby", "hereto", "hereof" and any similar terms refer
to this Agreement. Any captions, titles or headings preceding the text of any
article, section or subsection herein are solely for convenience of reference
and shall not constitute part of this Agreement or affect its meaning,
construction or effect.

15.      ENTIRE AGREEMENT. This Agreement embodies the entire and final
agreement of the parties on the subject matter stated in this Agreement. No
amendment or modification of this Agreement shall be valid or binding upon the
Employer or the Executive unless made in writing and signed by both parties. All
prior understandings and agreements relating to the subject matter of this
Agreement, including, but not limited to, that certain employment agreement
between the Bank and the Executive previously signed by the parties and also
dated as of March 1, 2000, are hereby expressly terminated and superseded.

16.      RIGHTS OF THIRD PARTIES. Nothing herein expressed is intended to or
shall be construed to confer upon or give to any person, firm or other entity,
other than the parties hereto and their permitted assigns, any rights or
remedies under or by reason of this Agreement.

17.      SURVIVAL. The obligations of the Executive pursuant to Section 5 shall
survive the termination of the employment of the Executive hereunder for the
period designated under each of those respective sections.

18.      JOINT AND SEVERAL. The obligations of the Bank and the Company to
Executive hereunder shall be joint and several.

                  [Remainder of Page Intentionally Left Blank]

                                       12

<PAGE>

         IN WITNESS WHEREOF, the Employer and the Executive have executed and
delivered this Agreement as of the date first shown above.

                              THE BANK:

                              PINNACLE NATIONAL BANK (PROPOSED)

                              By:
                                 -----------------------------------------------
                              Print Name:       HUGH M. QUEENER
                                         ---------------------------------------
                              Title: SECRETARY, CHIEF ADMINISTRATION OFFICER
                                    --------------------------------------------

                              THE COMPANY:

                              PINNACLE FINANCIAL PARTNERS, INC.

                              By:
                                 -----------------------------------------------
                              Print Name:       HUGH M. QUEENER
                                         ---------------------------------------
                              Title: SECRETARY, CHIEF ADMINISTRATION OFFICER
                                    --------------------------------------------

                              THE EXECUTIVE:

                              --------------------------------------------------
                              MICHAEL TERRY TURNER

                                       13

<PAGE>

                                    EXHIBIT A

                         INITIAL DUTIES OF THE EXECUTIVE

                                   PRESIDENT/
                             CHIEF EXECUTIVE OFFICER

FUNCTION:

Has overall responsibility for the leadership of the organization in all aspects
of its activities to insure safety and soundness, maximize return to the
shareholders, and meet the needs of its various constituencies (shareholders,
Board of Directors, customers, employees, regulators, and communities).

PRINCIPAL ACCOUNTABILITIES:

1.       Develops and implements the overall business strategy of the bank, its
         culture and mission statement. Responsible for the planning,
         implementation and control of long-term and short-term goals, as well
         as strategic plans.

2.       Provides leadership and direction in establishing, implementing,
         monitoring, and achieving the annual business plan.

3.       Oversees employee selection, training, professional development and
         performance at all levels within the bank. Ensures each employee has
         clarity of job responsibilities and defined standards and goals.

4.       Provides leadership in establishing overall policies and procedures
         such as credit policy, investment policy, risk tolerance levels, and
         operational procedures.

5.       Works closely with the Chief Administrative Officer to insure
         appropriate financial reporting and that proper accounting procedures
         are utilized.

6.       Works closely with the Senior Lending Officer/Senior Credit Officer to
         monitor quality of loan portfolio and that loans comply with the Bank's
         lending policy.

7.       Provides active leadership in the development and implementation of an
         effective CRA program including active involvement in ascertaining the
         communities' credit needs.

8.       Originates and approves loans, acting within the approved loan limits
         and guidelines approved by the Board of Directors.

9.       Participates actively in community and civic activities so as to create
         a positive public perception of the bank. Also, to be actively involved
         in business development activities to solicit and maintain sufficient
         business to meet and/or exceed established goals.

<PAGE>

10.      Responsible for maintaining sound relationships with the various
         regulatory agencies and managing the bank to meet or exceed all
         regulatory guidelines.

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