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Exhibit 10.13  

 
 

BANK LEASE AND MARKETING AGREEMENT    
    

        THIS BANK LEASE AND MARKETING AGREEMENT (together with the Exhibits and Schedules referred to herein, the "Agreement") is entered into as of December 6,
2003 by and between National Bank of Commerce, a national banking association organized under the laws of the United States with its main office located in Memphis, Tennessee ("Bank"), and Nuestra
Tarjeta de Servicios, Inc., a Georgia corporation ("NTS"). 

        WHEREAS,
Bank is in the business of providing bank products and services, including, but not limited to, deposits, loans, data processing services, and other banking products to retail
and wholesale customers; 

        WHEREAS,
Bank desires to expand its banking products and services to reach under-served and unbanked individuals by operating El Banco Branch Offices in target markets; 

        WHEREAS,
NTS is in the business of assisting financial institutions in marketing financial products and services to the under-served Latino community, including but not limited to,
providing consulting services, marketing services, product delivery systems, and leased employees, and in providing facilities management and space for El Banco Branch Offices through which to offer
such financial products and services; 

        WHEREAS,
NTS currently provides such services and leases El Banco Branch Office space to Flag Bank pursuant to a Bank Services and Branching Agreement, dated as of March 15, 2002
("Flag Agreement"); 

        WHEREAS,
the Flag Agreement is being terminated by the parties thereto, 

        WHEREAS,
Bank wishes to contract with NTS for NTS to (1) provide consulting and marketing services, the NTS check-decisioning system services, and leased employees,
(2) lease El Banco Branch Office space to Bank being vacated by Flag Bank and otherwise, and (3) license certain trademarks, service marks and trade names, that will allow Bank to
operate El Banco Branch Offices under such trademarks, service marks and trade names through which financial products and services may be offered to, among others, those the Latino community upon the
terms and conditions set forth herein; 

        WHEREAS,
NTS desires to (1) provide such consulting and marketing services, the NTS check-decisioning system services, and leased employees, (2) lease such El Banco Branch
Office space, and (3) license such trade marks, service marks and trade names to Bank under the terms and conditions set forth herein; and 

        WHEREAS,
concurrent with this Agreement, Bank is entering into a Purchase and Assumption Agreement to acquire the deposits and related accounts originated at the El Banco Branch Office
locations being vacated by Flag; 

        WHEREAS,
National Commerce Bank Services, Inc. ("NCBS") and NTS also have entered into a Stock Subscription Agreement and a Shareholders Agreement, providing for the purchase by
NCBS of shares of stock in NTS from time to time under the terms and conditions set forth in the Stock Subscription Agreement and the Shareholders Agreement, 

        NOW,
THEREFORE, in consideration of the foregoing and of the mutual promises, covenants, representations, warranties, and agreements contained herein, and intending to be legally bound
hereby, NTS and Bank hereby agree as follows: 

1.  DEFINITIONS.
For the purposes of this Agreement, the following terms shall have the following meanings: 

         1.1  "Applicable Law" shall mean any and all federal, state and municipal laws, rules and regulations, and all opinions,
pronouncements, and interpretive releases of any governmental 

 

regulatory,
or quasi-governmental agency applicable to Bank or NTS, as the case may be or the context requires. 

         1.2  "El Banco Branch Office Accounts" shall mean all right, title, and interest of Bank in and to the Customer Deposit
Accounts, Customer Loan Accounts, and all other El Banco Products and Services offered at the El Banco Branch Offices, including the branches to be acquired from Flag Bank. 

         1.3  "El Banco Products and Services" shall mean the banking and nonbank products and services offered pursuant to this
Agreement and geared toward the Latino community, and any other product or services used by, or provided to, an El Banco Branch Office Customer. The initial El Banco Products and Services are listed
in Schedule A. 

         1.4  "Bank Regulators" shall mean the regulatory agencies with supervisory and examination authority over the Bank, including
the Office of the Comptroller of the Currency ("OCC") and the Federal Deposit Insurance Corporation ("FDIC"). 

         1.5  "El Banco Branch Office" shall mean one or more bank branches (i) acquired from Flag Bank pursuant to the Purchase
and Assumption Agreement to be entered into between Flag Bank and Bank or (ii) chartered by Bank through proper regulatory procedures in target markets mutually agreed upon by the parties,
under Bank's operational and regulatory guidance and supervision. 

         1.6  "Business Day" shall mean any day in which Bank is open for business, excluding any and all Federal Reserve Bank and
other applicable bank holidays, which may be observed. 

         1.7  "Core Bank Processing" means any and all bank core data processing services conducted by Bank pursuant to this Agreement,
as set forth in Schedule B. 

         1.8  "Customer" means a person or entity that uses any of the El Banco Products and Services offered through the El Banco
Branch Offices pursuant to this Agreement. 

         1.9  "Customer Deposit Accounts" shall mean all deposit accounts opened or acquired by Bank for a Customer of an El Banco
Branch Office. 

      1.10.  "Customer Loan Accounts" shall mean all loan accounts opened by Bank for a Customer of an El Banco Branch Office. 

       1.11  "Marketing Materials" shall mean any brochure, pamphlet, statement stuffer, advertisement, script or talking points,
sign, in-person promotion, seminar, or other promotion used in connection with the offer of the El Banco Products and Services at the El Banco Branch Offices. 

       1.12  "Vault Cash" means the cash requirements to operate each El Banco Branch Office. 

2.  EL
BANCO BRANCH OFFICES. 

        2.1.  El Banco Branch Offices. 

        (a)   Assumption of Existing Branches. Bank agrees to lease the El Banco Branch Office space of the two offices identified in
Exhibit 1, upon the terms and conditions set forth in Section 2.3 hereto. Upon receipt of required regulatory approvals, the deposits opened at such El Banco Branch Offices and currently
held by Flag Bank shall be assumed by Bank pursuant to the Purchase and Assumption Agreement to be entered into between Flag Bank and Bank, and 12 U.S.C. § 1828(c). The lease of the El
Banco Branch Office space, and assumption of the deposits, shall be effective upon receipt of regulatory approval and expiration of the statutory waiting period. 

        (b)   Future El Banco Branch Office Locations. Bank agrees that NTS may propose and Bank may consult with NTS concerning the
location and timing of any additional El Banco Branch 

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Offices
initially in the Atlanta Metropolitan Statistical Area and over time throughout the State of Georgia. In this connection, NTS may suggest location sites that, based upon its expertise, would
maximize the visibility of an El Banco Branch Office in the target market. Upon agreement on location, NTS at its own expense, agrees to acquire or lease the property and furnish the branches with
personal property, plant and equipment, and to lease them to Bank under the terms and conditions substantially similar to that set forth in Section 2.3, and Bank agrees to seek regulatory
approval from the Office of the Comptroller of the Currency to establish an El Banco Branch Office at the agreed location. 

        (c)   Bank
agrees to operate each El Banco Branch Office under the name "El Banco de Nuestra Comunidad, una división de National Bank of Commerce," or its
English translation, consistent with the requirements of the Interagency Statement on Bank Trade Names. 

        2.2.  Branch Construction

        (a)   NTS
shall be responsible for developing and implementing all building construction plans, subject to Bank's reasonable requirements and as required by Applicable Law.
NTS shall also be responsible for obtaining all necessary nonbanking permits and licenses to construct and operate the El Banco Branch Offices including, but not limited to, building permits, zoning
changes, business and occupancy licenses. 

        (b)   NTS
shall be responsible for all third party costs and expenses necessary to construct and open the El Banco Branch Offices, including, but not limited to, branch
construction costs, permit fees, and plant, property, and equipment costs, all in accordance with Bank's reasonable requirements, and as otherwise required by Law. 

         2.3  Employees. 

        (a)   Bank
agrees to lease employees from NTS to operate the El Banco Branch Offices. Bank shall have sole authority to choose which employees of NTS it will use at the El
Banco Branch Offices pursuant to this Agreement, but agrees to staff the El Banco Branch Offices exclusively with NTS employees. The leased employees shall be under the oversight of a branch manager,
who shall be a joint employee of Bank and NTS who is under the direction and control of Bank and acceptable to both Bank and NTS. Bank agrees that it shall not have the right to transfer the branch
manager to any of Bank's non-El Banco branches without NTS's prior written consent. 

        (b)   For
as long as Bank shall lease employees from NTS, NTS shall pay all required federal and state taxes associated with the leased employees and prepare all reports
relating to such taxes, and Bank shall not be responsible for such taxes or reports. NTS also will provide benefits as required by applicable law and as agreed upon by NTS and each employee. 

        (c)   Under
Bank's supervision, NTS shall train the leased employees. 

        (d)   Bank
will oversee the training of the leased employees and the overall El Banco Branch Office operations to ensure that the El Banco Branch Offices and the employees at
the El Banco Branch Offices comply with all Applicable Law and safe and sound banking practices. Bank will be responsible for initial and ongoing training of the employees at the El Banco Branch
Offices in accordance with standard training of Bank employees at its other branch offices to ensure that the El Banco Branch Offices are operated consistent with Applicable Law, safe and sound
banking practices and Bank policies and procedures. If Bank is not satisfied with the performance of any leased employee, Bank shall so inform NTS and request a substitute employee be provided that
meets Bank's performance and other standards. 

         2.4  Cost of Physical Operation. NTS shall be responsible for all operational costs of El Banco Branch Offices, including, but
not limited to leased employee salaries, benefits, training, rent, if applicable, utilities, insurance, and all other expenses arising from the operation of the El Banco 

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Branch
Offices. NTS shall be responsible for providing security personnel and security equipment as reasonably recommended by Bank (taking into account the low cost, low-overhead economic
model of the branches) and as required by the Bank Regulators, and consistent with safe and sound banking practices. 

         2.5  Transfer and Closing of Branches. 

        (a)   NTS
may give notice to Bank that a particular physical space containing an El Banco Branch Office be vacated by Bank upon 120 days prior written notice. In such
event, Bank shall provide the required branch closing notice to the OCC and to Customers, and upon expiration of any required waiting or other period, shall transfer the El Banco Branch Office
Accounts to another El Banco Branch Office operating under this Agreement, or to a new El Banco Branch Office location agreed upon the parties. Such transfer shall occur upon receipt of any required
regulatory approval. 

        (b)   In
the event that NTS has given notice that Bank vacate an El Banco Branch Office under Section 2.5(a), and there is no other El Banco Branch Office opened and
operating under this Agreement to which NTS requests the Customer Accounts to be transferred, Bank shall have the right to continue operation of the closed El Banco Branch Office as a Bank branch,
notwithstanding Section 9. Bank shall continue to segregate the Customer Accounts of such El Banco Branch Office as an El Banco Branch Office, so that in the event that this Agreement is
terminated, NTS or its designee may purchase the El Banco Branch Office Accounts in accordance with Section 6.4(a). Bank shall post notices for El Banco Branch Office Customers, in form and
content reasonably acceptable to NTS and consistent with Applicable Law, informing Customers of the name change, and any other changes that may result from Bank's exercise of this option. If Bank opts
to continue the operation of the branch as a Bank branch, Bank shall assume the lease for the branch real estate property (or, if the property is owned by NTS, Bank shall have the option of purchasing
or leasing the property at fair market value), in each case including any leasehold improvements, from NTS. Bank may also, at its option, purchase (or assume the lease for), at fair market value, the
branch equipment and other personal property used at the branch from NTS. If the parties do not agree regarding the fair market value of the property, the fair market value shall be determined by
independent appraisal, with the appraiser to be selected by the parties. If the parties do not agree with the independent appraisal, then each party shall select an independent appraiser and the
average of the three appraisals shall be the fair market value. The parties shall equally bear the expenses of any such appraisals. 

3.  EL
BANCO PRODUCTS AND SERVICES. 

        3.1.  El Banco Products and Services. Subject to the terms and conditions of this Agreement, Bank shall provide a full menu of
products and services, including, among others, deposit and loan products and services, check cashing, and money orders, through the El Banco Branch Offices. The El Banco Products and Services
initially contemplated to be provided by Bank through El Banco Branch Offices are set forth in Schedule A attached hereto. 

         3.2  Terms of El Banco Products and Services. The parties agree that the initial El Banco Products and Services to be offered
by Bank in the El Banco Branches shall be as listed in Schedule A. Such El Banco Products and Services shall be initially offered under the terms and conditions, including pricing or ranges of
prices and terms, that is attached as Schedule A-1. NTS may from time to time propose to Bank changes or additions to the list of El Banco Products and Services, including suggested
changes or additions to product terms and conditions, and Bank agrees to promptly consider such changes or additions. Bank shall retain the right to change the schedule of El Banco Products and
Services, or to disallow the offering of any particular El Banco Product or Service, or any of its terms and conditions, including pricing, at any time. 

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         3.3  New El Banco Products and Services. The parties may propose the development and introduction of new financial products
and services to be offered by Bank through the El Banco Branch Offices, pursuant to this Agreement. All products and services offered at the El Banco Branch Offices shall be processed under the terms
of this Agreement. In no event shall Bank be obligated under the terms of this Agreement to offer any El Banco Products or Services that violate Applicable Law. 

         3.4  Ownership of Accounts. During the term of this Agreement, any El Banco Branch Office Accounts generated will be owned by
Bank, and NTS will not have any ownership interest in them. 

4.  MARKETING
SERVICES 

         4.1  Marketing Plan. NTS shall provide marketing services, knowledge and advice regarding targeted customers for the El Banco
Branch Offices. Such services shall include the development of an overall marketing plan, which shall include proposed product mix and Marketing Materials, to be presented and approved by Bank. Upon
approval of such Plan, NTS shall assist in the implementation and administration of such marketing plan. NTS shall also provide Bank with a copy of the budget for dissemination of the Marketing
Materials. An initial marketing plan and Marketing Materials are attached as Schedule C to this Agreement and are approved by Bank. 

         4.2  Approval of Marketing Materials. NTS shall develop specific Marketing Materials implementing the approved marketing plan.
Any Marketing Materials prepared in Spanish shall also be prepared in English as required by Applicable Law. Bank shall have the right to review and approve such Marketing Materials within a time
period that is reasonable in light of the quantity and complexity of the Marketing Materials submitted. Each party shall be responsible for ensuring that the Marketing Materials prepared under this
section comply with Applicable Law. 

5.  RESPONSIBILITIES
OF THE PARTIES. 

         5.1  Joint Parties Responsibilities. During the term of this Agreement, the parties shall, at their own expense, assume
responsibility for performing the following services: 

        (a)   The
parties shall promptly provide to each other notices of and, upon the request of the other party, copies of any pending or threatened litigation by Customers or
other third parties relating to the El Banco Products and Services, the El Banco Branch Office Accounts, or Core Bank Processing being offered in the El Banco Branch Offices. 

        (b)   The
parties shall promptly provide to each other notices of any regulatory action or threatened regulatory action (including inquiries regarding NTS, Bank or their
business practices) relating to this Agreement, the party's responsibilities under this Agreement, El Banco Branch Offices formed pursuant to this Agreement, or the Core Bank Processing, except that
Bank shall not be required to discuss any regulatory information that the Bank Regulators intend to remain confidential. 

        (c)   Each
party shall comply with all applicable labor Laws and laws regarding equal employment opportunities, whether federal, state or local. Neither party shall
discriminate on the basis of national origin, race, color, religion, age or sex. 

        (d)   Each
party shall keep the other party fully informed of its business plan affecting this Agreement and shall promptly provide the other party with a copy of any
amendment to or revised business plan affecting this Agreement. 

        (e)   The
parties shall provide to each other copies of all insurance policies as required by Section 12 and by
Applicable Law, and require that the relevant insurance carrier notify and furnish the other party a copy of any change in such insurance policies at least 30 days prior to the effective date
of any change (unless the other party has furnished the insurance carrier with its 

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written
consent to the change), and upon the other party's request, that the insurance carriers who issued the policies send directly to it a confirmation of the insurance coverage. 

        (f)    Each
party shall ensure that its activities under this Agreement, including the operation of the El Banco Branch Offices, and the offering and marketing of the El Banco
Products and Services hereunder, comply with all Applicable Laws. 

        (g)   A
party experiencing a breach of security or loss due to theft at the El Banco Branch Offices shall provide the other party notice of such breach or loss. 

        (h)   The
parties shall cooperate with each other in implementing and operating the interface systems between NTS's systems and the computer systems used by Bank. Bank agrees
to provide adequate and timely management information on the El Banco Branch Offices and the El Banco Branch Accounts for NTS to accomplish its responsibilities under this Agreement. 

         5.2  Bank's Responsibilities. During the term of this Agreement, Bank shall assume responsibility for performing the following
services (all collectively referred to as the "Bank's Responsibilities"); 

        (a)   Bank
shall apply for and obtain all necessary approvals to open El Banco Branch Offices as contemplated by Section 2.1, and Bank shall be further responsible to
manage, supervise and ensure ongoing bank regulatory compliance for El Banco Branch Offices, all as set forth in Section 2 of this Agreement. 

        (b)   Bank
shall be fully responsible for the terms and conditions of each deposit and loan product, including the rates and fees associated therewith, the policies and
procedures relating thereto, the preparation and maintenance of all loan and deposit applications, customer agreements, account terms and conditions, and all disclosures required to be provided in
accordance with Applicable Law, and shall be responsible for Bank compliance with such terms and conditions, policies and procedures and Applicable Law. Bank shall be free to alter the terms and
conditions of the Banking Products and Services, including rates and fees, consistent with safe and sound banking practices, market conditions and Applicable Law, taking into account the goal of this
program to make Banking Products and Services available to the underserved Latino market. 

        (c)   Bank
shall open, maintain, and facilitate the delivery of the El Banco Products and Services at the El Banco Branch Offices in accordance with Applicable Law. 

        (d)   Bank
shall establish unique responsibility centers for use by the El Banco Branch Offices. Activities of the El Banco Branch Offices processed by the Bank will be
recorded in these responsibility centers. 

        (e)   Bank
shall provide, in its reasonable opinion and otherwise to comply with Applicable Law, the necessary Vault Cash that will satisfy the financial requirements for the
daily operation of the El Banco Branch Offices. 

        (f)    Bank
shall maintain the same internal computer data integrity safeguards and backup systems as it provides for its other branch offices and as are required by the OCC.
Such internal computer data integrity safeguards shall include a tested emergency preparedness program that is adequate to allow normal business operations to continue in the event of an emergency and
a prompt data recovery program for current and historical data relating to El Banco Branch Office Accounts, including, without limitation, transaction activity, deposits, loans, collections and fees,
in the event of any system malfunction. 

        (g)   Bank
shall maintain all the hardware, software, other operational infrastructure, and processing services (including any required upgrades) as deemed by Bank to be
necessary to provide the Core Bank Processing for the El Banco Branch Offices. 

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        (h)   Bank
shall implement, and monitor compliance with, programs, policies and procedures so that all activities conducted by Bank under this Agreement are in compliance with
all Applicable Laws. Particularly, but without limitation, these shall include programs, policies and procedures relating to: 

	(i)
	Electronic
Funds Transfer Act and Regulation E;

	(ii)
	Truth
in Savings Act and Regulation DD;

	(iii)
	Funds
Availability Act and Regulation C;

	(iv)
	USA
Patriots Act;

	(v)
	Bank
Secrecy Act;

	(vi)
	Truth
in Lending Act and Regulation Z;

	(vii)
	Real
Estate Procedures Settlement Act and Regulation X;

	(viii)
	Right
to Financial Privacy Act, Title V of the Gramm-Leach-Bliley Act and the Privacy Rules (as defined in Section 9.1 hereof);

	(ix)
	The
Equal Credit Opportunity Act

	(x)
	The
Fair Credit Reporting Act;

	(xi)
	The
Fair Debt Collections Act; and

	(xiii)
	Any
other program, policy or procedure which may in the future be found to be needed for the proper offering of the El Banco Products and Services, and the operation
of the El Banco Branch Offices under this Agreement. 

        (i)    Bank
agrees to treat NTS records as confidential, except for such disclosure to the Bank Regulators and independent auditors as is necessary to monitor Bank and its
relationship with NTS to ensure compliance with Applicable Laws. Bank shall not disclose or otherwise make available such records to any person or entity other than the Bank Regulators without express
written permission of NTS, unless otherwise required by Law or court process to disclose the records. 

         5.3  NTS's Responsibilities. During the term of this Agreement, NTS shall assume responsibility for the performance of the
following acts (all collectively referred to as the "NTS's Responsibilities"); 

        (a)   NTS
agrees to cooperate with Bank to ensure compliance with Applicable Laws, safe and sound banking practices, and Bank policies and procedures at the El Banco Branch
Offices. 

        (b)   NTS
shall identify markets and El Banco Products and Services to be marketed in the identified target markets through the El Banco Branch Offices, prepare descriptive
materials, Marketing Materials, and assist in the sales and distribution of the El Banco Products and Services, subject to Bank's reasonable approval and in compliance with Applicable Laws. 

        (c)   NTS
shall be responsible for Bank's third-party expenses incurred in the development and operation of the El Banco Branch Offices, and Bank's reasonable incremental
out-of-pocket expenses incurred in the development, implementation and operation of the systems necessary to provide the Core Bank Processing for the El Banco Branch Offices,
but only to the extent that the expenses relate solely to actions required to be taken by Bank under this Agreement and not to actions taken by Bank which pertain more broadly to the operation of its
business or the service of its customers outside this Agreement. Any such proposed expenditures by Bank must be approved in advance by NTS to be covered by this Agreement. 

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        (d)   The
parties acknowledge that NTS will apply its intellectual property, including know-how and other information such as the NTS check-decisioning system
which NTS considers a trade secret, in connection with the operation of the El Banco Branch Offices, but NTS does not grant a license to or any right to review or inspect any of this intellectual
property to Bank in connection with this Agreement. NTS reserves the right to transfer this intellectual property to a subsidiary or affiliate, or to spin off a separate company to own this
intellectual property, in which event NTS may license the rights to the intellectual property from such other entity for use in the El Banco Branch Offices, but at no additional cost to Bank for the
El Banco Branch Offices. NTS agrees that it will not enter into such a license unless the overall cost to NTS will be no greater than the overall amount it would cost NTS to provide comparable
services on its own. Bank acknowledges that it has no rights to use or ownership interest in this intellectual property, including the NTS check-decisioning system. In the event that a bank regulatory
agency or independent auditor, as a result of examining NTS, proposes to or does disclose to Bank that portion of the NTS check-decisioning system
that constitutes a trade secret, Bank shall agree that such trade secret shall remain confidential pursuant to Section 8.2 below. 

        (e)   Subject
to the terms and conditions set forth herein, NTS hereby grants to Bank during the term of this Agreement a royalty-free, and without charge, license
to use, reproduce, and display the trademarks, service marks and trade names "Nuestra Tarjeta" and "El Banco de Nuestra Comunidad," or its English translation (collectively, the "NTS Marks and
Names"), throughout the state of Georgia in connection with the offering of the El Banco Products and Services through the El Banco Branch Offices. This license shall be considered an "exclusive"
license for the term of this Agreement solely with respect to the use of such NTS Marks and Names in connection with the offering of the El Banco Products and Services under this Agreement throughout
the state of Georgia. Bank acknowledges that all El Banco Products and Services provided by Bank under the NTS Marks and Names and all related advertising, promotional, and other related uses, shall
conform to quality standards set by and be under the control of NTS. Bank agrees to cooperate with NTS in facilitating NTS's control of such nature and quality of the use of the NTS Marks and Names.
Bank acknowledges that it has no ownership interest in the NTS Marks and Names, and that upon the termination of this Agreement, Bank will promptly discontinue any further use thereof, except as
otherwise provided herein. 

        (f)    NTS
shall have a non-exclusive license to use Bank's trade name, service mark, and trademark "National Bank of Commerce" or "NBC"("Bank Marks and Names")
when required to do so by Applicable Law in carrying out the provisions of this Agreement. For purposes of this Agreement, Bank acknowledges that it grants to NTS a royalty-free, and
without charge, license to use, reproduce, and display the Bank Mark and Names in the state of Georgia, to the extent that Bank determines that it is necessary to use the Bank Mark and Names in the
marketing of the El Banco Products and Services under this Agreement, or as required by Applicable Law. NTS acknowledges that all El Banco Products and Services bearing the Bank Marks and Names and
all related advertising, promotional, and other related uses, shall conform to quality standards set by and be under the control of Bank. NTS agrees to cooperate with Bank in facilitating Bank's
control of such nature and quality of the use of the Bank Marks and Names. NTS acknowledges that it has no ownership interest in the Bank Mark and Names, and that upon the termination of this
Agreement or the written notification by Bank to discontinue the use of the mark, NTS will promptly discontinue any further use thereof, except as otherwise provided herein. 

        (g)   NTS
acknowledges that the Bank's auditors and the Bank Regulators must have access to El Banco Branch Office physical facilities and records maintained therein at any
time they request such access, or as deemed reasonably necessary by Bank, to monitor performance under this Agreement. NTS also acknowledges that NTS may be considered a bank service corporation under
the Bank Service Corporation Act, and that accordingly, the Bank Regulators may examine the 

8

 

operations
of NTS relating to this Agreement to determine compliance with Applicable Law. Any reasonable third-party expenses incurred by Bank as a result of visits by its auditors or the Bank
Regulators will be reimbursed to Bank by NTS. This provision is not intended to limit in any way the Bank's access to El Banco Branch Offices and their related records. 

        (h)   NTS
shall take all actions requested by Bank to promptly review and, if necessary, modify or terminate any activity relating to the El Banco Products and Services which
the Bank Regulators or other third parties determine to be illegal or in violation of any Applicable Law, or which could otherwise subject Bank to monetary or other damages. 

        (i)    NTS
shall provide Bank copies of all documents provided on its behalf to regulatory and other governmental authorities, and shall give Bank notice of and an opportunity
to attend any meetings which NTS may have with regulatory and other governmental authorities that in any way relate to this Agreement or the El Banco Branch Offices. 

        (j)    NTS
shall provide Bank and NCBS with the following reports and documents: 

	(1)
	As
soon as practicable, but in any event within 90 days after the end of each fiscal year of NTS, an income statement and a cash flow statement for such fiscal
year, and a balance sheet of NTS as of the end of such fiscal year, with each such financial statement to be in reasonable detail, prepared in accordance with generally accepted accounting principles
("GAAP"), and audited and certified by a firm of independent public accountants of regionally recognized standing selected by the Company;

	(2)
	As
soon as practicable, but in any event within 45 days after the end of each of the first three quarters of each fiscal year of NTS, unaudited statements of
income and cash flows of NTS for such fiscal quarter and an unaudited balance sheet of NTS as of the end of such fiscal quarter;

	(3)
	As
soon as practicable, but in any event at least thirty days prior to the end of each fiscal year, a budget and business plan of NTS for the next fiscal year, prepared
on a monthly basis, including balance sheets and statements of cash flows for such months and, as soon as prepared, any other budgets or revised budgets prepared by NTS; and

	(4)
	Such
other information relating to the financial condition, business, prospects or corporate affairs of NTS as Bank may request from time to time, including performance
reports, control audits (annually), and security reports. 

        (k)   NTS
agrees to limit its activities to those permissible for a national banking association under the National Bank Act and OCC regulations for as long as Bank or any of
its affiliates or subsidiaries owns any of the stock of NTS pursuant to the Subscription Agreement executed on June 25, 2003. 

6.  COMPENSATION,
COSTS, AND PAYMENT. 

         6.1  In General. Each party will pay compensation to the other party as consideration for the services that party provides to
the other party under this Agreement based on the following provisions. Settlement will occur monthly on the 15th business day of the month following delivery of the report referenced in
Section 6.5. All amounts payable and due under this section from each party to the other party will be offset to provide for a net settlement amount. The parties acknowledge and agree to the
right of offset for amounts due under this Agreement. 

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         6.2  Payments from NTS to the Bank. NTS agrees to pay the following compensation to the Bank for the services Bank is
providing under this Agreement: 

        (a)   NTS
will pay the Bank for the specific services listed on Schedule B attached provided by Bank to NTS during the month in the amounts indicated therein for each
such service provided. This schedule may be modified from time to time by the parties as additional services are added or fees adjusted based on volume and changes in costs. 

        (b)   NTS
also will pay to the Bank a fee based on the product of (i) 10% of the risk adjusted assets of the El Banco Branch Offices computed in accordance with the
definition of risk adjusted assets issued by the Bank Regulators; and (ii) an annualized return on capital of 20%. 

        6.3.  Payments from Bank to NTS. Bank agrees to pay to NTS for the services NTS is providing under this Agreement the net sum
of (i) net service charges and fees collected by the Bank from the El Banco Branch Office Accounts, (ii) net interest income earned on El Banco Branch Office Accounts (excluding 6.4
below), (iii) credit and other losses on El Banco Branch Offices Accounts, and (iv) other direct revenues and expenses associated with the El Banco Branch Office Accounts and Offices
paid through the Bank, excluding those items specifically addressed in Schedule B. 

         6.4  Other Payments. In addition to the foregoing, a fee will be payable based on the net assets or liabilities provided by
the El Banco Branch Offices, as follows: 

        (a)   If
the El Banco Branch Offices have assets which exceed liabilities, net assets or a user of funds, NTS shall pay Bank a fee, which shall be computed using the product
of (i) net assets and (ii) the average monthly federal funds rate plus 25 basis points. 

        (b)   If
the El Banco Branch Offices have liabilities which exceed assets, net liabilities or a provider of funds, Bank shall pay NTS a fee, which shall be computed using the
product of (i) net liabilities and (ii) the average monthly federal funds rate. 

        (c)   For
purposes of the computation of this fee, the federal funds rate shall be as published in an appropriate national publication or other public source such as
Bloomberg. 

         6.5  Calculation of Fees. Bank shall provide a monthly report to NTS, setting forth the services provided during the previous
month and the fees charged for such services, the computations described in 6.2, 6.3 and 6.4, and the compensation due based on such matters. Amounts due by each party shall be netted against each
other, and the party owing the net amount shall provide for transfer of such amount due to the other party in immediately available funds by the 15th business day following delivery of
the report. Any Disputes as to amounts due shall be raised within 10 business days of the delivery of the report, and such amount shall not be required to be paid until such Dispute is resolved as
provided in Section 13 hereof. Any undisputed amounts unpaid for longer than ten business days after their due date shall be subject to a late charge of 1% per month (12% annualized rate). 

7  TERM
AND TERMINATION. 

         7.1  Term. This Agreement shall be effective upon the first Business Day after the expiration of the statutory waiting period
after receipt of regulatory approval of the assumption of the deposits, and shall have a term of three years ending at the close of business on the last Business Day immediately preceding the third
anniversary of that date. Thereafter the Agreement shall automatically renew for additional one year periods unless one party provides the other with six months prior written notice of its intention
not to renew this Agreement for an additional one year term. 

10

 

         7.2  Termination. Notwithstanding anything to the contrary contained herein, this Agreement may be terminated: 

        (a)   By
Bank immediately upon written notice if NTS: 

	(1)
	is
dissolved, becomes insolvent, generally fails to pay, or admits in writing its inability to pay its debts as they become due;

	(2)
	makes
a general assignment, arrangement, or composition agreement with or for the benefit of its creditors; or

	(3)
	voluntarily
or involuntarily files a petition in bankruptcy or institutes any action under federal or state law for the relief of debtors or seeks or consents to the
appointment of an administrator, receiver, custodian, or similar official for the winding up of its business (or has such a petition or action filed against it and such petition action or appointment
is not dismissed or stayed within 90 days); 

        (b)   By
NTS immediately upon written notice if any of the FDIC or the OCC appoints a receiver to assume operation of Bank; 

        (c)   By
either party upon a material breach by the other party of any of its representations, warranties, or obligations hereunder, which breach is not cured within
30 days of written notice provided to the breaching party by written notice of termination, specifying with detail the alleged breach and the proposed termination date should the breach not be
cured; 

        (d)   By
Bank, upon receipt by Bank of a final order by the OCC with a finding that the Bank's offering of the El Banco Products and Services are unlawful or constitute an
unsafe or unsound banking practice, unless within 30 days of receipt of notice of such an order, the El Banco Products or Services subject to such determination are discontinued or modified in
a manner acceptable to the OCC and Bank, upon written notice to NTS, specifying with detail the OCC's findings and specifying the proposed termination date should the El Banco Products and Services
not be discontinued or modified in a manner acceptable to the OCC and Bank; 

        (e)   By
Bank, upon 60 days written notice from Bank to NTS, specifying a termination date, in the event one or more of the following circumstances occur: 

	(i)
	Any
material change in federal or state banking laws governing the El Banco Products and Services that would, in the reasonable opinion of counsel to Bank, render the El
Banco Products or Services inadvisable or illegal, unless NTS agrees within 60 days that Bank should discontinue or modify the El Banco Products or Services which are subject to the
determination such that they would not be inadvisable or illegal (the parties acknowledge that any activity that is illegal or in violation of Applicable Laws or becomes illegal or in violation of
applicable Laws will be discontinued immediately and that any activity that is inadvisable means that the material change in law makes the offering of the product inadvisable from a safety and
soundness standpoint);

	(ii)
	Bank
becomes the subject of a material lawsuit or administrative proceeding which challenges the providing of the El Banco Products and Services and, in the reasonable
opinion of counsel to Bank, such lawsuit or administrative proceeding has a high probability of being successful and having a material negative effect on Bank, unless NTS agrees within 60 days
that Bank should discontinue the El Banco Products or Services that are the subject matter of the proceeding; or

	(iii)
	NTS
breaches any other material agreement to which it is a party, or becomes subject to an enforcement action, if either such event materially impairs NTS's ability 

11

 

to
perform its obligations hereunder, and such event continues without cure for a period of 60 days. 

        (f)    By
NTS, upon 60 days written notice from NTS to Bank, specifying a termination date, in the event NTS exercises its option to purchase the El Banco Branch Office
Accounts from Bank in accordance with Section 7.4. 

        (g)   By
either party for any reason upon six months written notice, specifying a termination date. 

         7.3  Effect of Termination. 

        (a)   In
the event a party gives notice of termination of this Agreement pursuant to Section 7.2, the provisions of this Agreement will continue in effect until the
date NTS or its designee shall have completed the purchase of the El Banco Branch Office Accounts from Bank in accordance with Section 7.4, or the date specified in any notice sent by NTS to
Bank declining to purchase the Accounts. On such date, this Agreement shall become void and have no effect, except that any termination shall
not relieve any party from any liability that may arise from a breach of the terms of this Agreement. In addition, the following provisions shall remain in effect: 

	(1)
	The
obligation of either NTS or Bank to pay amounts due under Section 6;

	(2)
	The
obligations of either party as set forth in this Section 7

	(3)
	The
confidentiality obligations of either party as set forth in Section 8;

	(4)
	Each
party's non-solicitation and Bank's non-compete obligations set forth in Section 9;
and

	(5)
	The
indemnification obligations of either party under Section 11. 

        In
addition, as of the termination date, Bank shall refrain from any further use of the NTS Marks and Names and NTS shall refrain from any further use of the Bank Marks and Names, except
that neither party shall be required to recall any outstanding marketing materials or accounts containing such Marks and Names. 

        (b)   Deconversion Assistance. If NTS or its designee exercises its right to purchase the El Banco Branch Office Accounts
pursuant to Section 7.4, upon termination of the Agreement Bank agrees to assist NTS in the transfer of the Accounts from the computer equipment, software and related equipment used by Bank or
its designee to administer and process the Accounts to NTS or its designee ("Deconversion"). The parties shall agree on a Deconversion plan which shall contemplate a transfer within 120 days of
NTS's exercise of its purchase right under Section 7.4. As part of such Plan, Bank agrees to continue to process the Accounts and perform the services necessary to facilitate the transfer of
the processing and administrative business of the Accounts to a data processing system selected by NTS. The cost of such services shall be borne by NTS. 

12

   
         7.4  Right to Purchase El Banco Branch Office Accounts. 

        (a)   Sale of Accounts to NTS or its Designee. Upon notice of termination of the Agreement, NTS or its designee shall have the
right to purchase all of the El Banco Branch Office Accounts from Bank for $10.00, subject to the receipt by NTS or its designee of all necessary regulatory approvals. In this connection, the parties
acknowledge that NTS may not purchase the El Banco Branch Office Accounts directly unless it obtains a financial institution charter, the deposits of which would be insured by the FDIC. In that event,
Bank and NTS agree to use their best efforts to structure the sale of the El Banco Branch Office Assets so that the closing occurs as promptly as possible after the receipt by NTS of final approval
from the FDIC for deposit insurance. If Bank or NTS determines that NTS should have a separate charter to conduct the operation of the El Banco Branches, Bank will use its best efforts to assist NTS
in acquiring or applying for and obtaining a new charter, and upon NTS's receipt of the new charter, Bank will transfer the existing El Banco branches and operations to the new bank charter. NTS shall
pay all costs associated with applying for or acquiring any new or existing charter; provided however, if Bank determines that it is in its best interest to supply an existing charter owned by Bank or
one of its affiliates to NTS, Bank shall not receive any additional consideration for the charter (and any assets or liabilities transferred with the charter shall be transferred at book value). In
the event that this Agreement is terminated prior to NTS obtaining an FDIC-insured bank charter, NTS may assign its right to purchase the El Banco Branch Office Accounts to an
FDIC-insured financial institution identified by NTS, subject to that institution to obtaining all necessary regulatory approvals for the transaction. Bank agrees to use its best efforts
to structure the sale of the El Banco Branch Office Accounts to such financial institution so that the closing occurs as soon as reasonably practicable after notice is given of the intention to
terminate the Agreement, and receipt of regulatory approval is obtained to transfer the El Banco Branch Office assets and liabilities. 

        (b)   Notice of Declination of Purchase. If for any reason NTS or its designee affirmatively declines in writing to purchase
the El Banco Branch Office Accounts, NTS shall send a notice to Bank to that effect. Such notice shall specify a termination date up to 120 days after the date of such notice. In that event
Bank shall have the right to retain the El Banco Branch Office Accounts and convert the El Banco Branch Offices to traditional Bank branches, notwithstanding Section 9, and NTS shall have no
more claim to purchase such Accounts. If Bank retains the El Banco Branch Office Accounts, it shall also purchase the physical location and equipment of the El Banco Branch Offices from NTS, for a
price equal to the then fair market value of such property. If the parties do not agree regarding the fair market value of the property, the fair market value shall be determined by an independent
appraisal, with the appraiser to be selected by the parties. If the parties do not agree with this first independent appraisal, then each party shall select an independent appraiser to undertake an
additional appraisal each, and the average of the three appraisals shall be the fair market value. The parties shall equally bear the expenses of any such appraisals. 

        (c)   If
the El Banco Branch Office Accounts are purchased in accordance with Section 7.4(a) above, Bank agrees to: 

	(i)
	reasonably
cooperate with the purchaser thereof in the preparation and execution of any documentation, and the filing of any regulatory applications necessary to effect
such transfer and assignment, all subject to Applicable Law;

	(ii)
	if
possible, assign to the purchaser thereof the BIN obtained by Bank for use in the El Banco Branch Offices in conjunction with this Agreement; and

	(iii)
	discontinue
use of the NTS Marks and Names, as provided in Section 6.3. 

13

 

        (d)   Notwithstanding
anything to the contrary in Section 6.4(a) and (b) above, Bank shall not be required to transfer to NTS, or to any other entity, any
customer relationship or information to the extent that the relationship or information does not relate to an El Banco Branch Office Customer. 

        (e)   Notwithstanding
the termination of this Agreement, Bank shall have the right to retain records relating to El Banco Branch Office Accounts in a format to enable Bank to
retrieve such information in a timely manner to respond to requests from Customers, to duly authorized and valid subpoenas, and to requests from the Bank Regulators. 

        (f)    The
termination of the Agreement shall not occur until the purchaser of the El Banco Branch Office Assets shall have (i) obtained regulatory approval for the
purchase of the El Banco Branch Office Accounts and (ii) transferred the El Banco Branch Office Accounts by executing documents as may be required to convey such interests and agreements. Any
costs associated with the transfer shall be borne by NTS. 

8.  CONFIDENTIALITY.

         8.1  "Confidential Information" shall mean any information of a confidential or proprietary nature disclosed by one party to
the other concerning the business, technology, or customers of the disclosing party, including without limitation this Agreement, for which the disclosing party takes reasonable steps to maintain the
confidentiality of the information. Notwithstanding the foregoing, Confidential Information shall not include any information which: (i) is already known to the recipient at the time of its
disclosure; (ii) is or becomes publicly known through no wrongful act of the recipient; (iii) is independently developed by or for the recipient without reliance on any of the
Confidential Information; (iv) is received by the recipient from a third party without similar restrictions as to non-disclosure and without breach of this Agreement; or
(v) is approved for release by written authorization of the disclosing party. 

         8.2  Confidentiality. Except as otherwise provided in this Agreement, NTS and Bank each agree that all Confidential
Information communicated to one by the other, whether before or after the date of this Agreement, shall be received in strict confidence, shall be used only for the purposes of this Agreement and,
shall not be disclosed by the recipient, its affiliates, agents, subcontractors or employees without the prior written consent of the other party. Each party shall take all reasonable precautions to
prevent the disclosure to outside parties of such information, including without limitation the terms and conditions of this Agreement, except as required by legal, accounting or regulatory
requirements beyond the reasonable control of the recipient. The provisions of this Section shall survive the expiration or termination of this Agreement plus two years from the date of expiration or
termination, provided that if any trade secrets are disclosed by either party to the other herein, those trade secrets will remain confidential for as long as they remain trade secrets. To the extent
that NTS or any auditor or examinor proposes to disclose or discloses to Bank Confidential Information that NTS considers a trade secret, NTS shall so inform Bank prior to such disclosure or within
15 days of learning about such disclosure. 

9.  NON-SOLICITATION
AND NON-COMPETITION. 

         9.1  Consumer Information and Privacy. 

        (a)   NTS
acknowledges that, for purposes of the consumer privacy rules codified at 15 USC 6801 et seq. and implementing
regulations thereto (collectively, the "Privacy Rules"), Customers (as defined herein) are "customers" (as defined in the Privacy Rules) of Bank. NTS further acknowledges that Bank has a
responsibility to Customers and other consumers to limit the sharing of "nonpublic personal information" (as defined by the Privacy Rules) relating to such Customers and certain other consumers and
otherwise to keep Bank's records and information confidential and proprietary. 

14

 

        (b)   Subject
to subsection 9.1(c) and 9.1(e) NTS and Bank (each, the "covenanting party") each agrees not to use, directly or indirectly, any information provided to it by
the other party hereto, or otherwise
received by the covenanting party in the performance of its obligations hereunder, with respect to a Customer or any other consumer (collectively, "Consumer Information"), other than as necessary for
the covenanting party to provide the services which it has agreed to provide under this Agreement. Each covenanting party also agrees not to disclose any Consumer Information to any person,
corporation or other entity other than (i) to a service processing provider or mail house in order for the covenanting party to perform its obligations under this Agreement; or (ii) as
otherwise required by Law. Each party also agrees not to disclose, either directly or indirectly, to any person, corporation or other entity, information of any kind, nature or description concerning
matters relating to the business of the other party hereto other than to carry out the purposes contemplated by this Agreement. 

        (c)   Notwithstanding
subsection 9.1(b) above, NTS and Bank understand and agree that they will jointly market and endorse the "financial products and services" (as defined by
the Privacy Rules, the "Financial El Banco Products and Services") offered by Bank to Customers. The parties further acknowledge and agree that NTS may use Consumer Information, other than "consumer
reports" (as defined by the federal Fair Credit Reporting Act) or "account numbers" (as defined by the Privacy Rules), for the purpose of marketing such Financial El Banco Products and Services to
Customers, except if a Customer specifically opts out under the Privacy Rules. NTS hereby covenants, represents and warrants to Bank that (1) NTS will not use Consumer Information to solicit
customers of Bank, other than Customers of an El Banco Branch Office, for any products or services; (2) NTS will not use Consumer Information other than to offer a "financial product or
service" (as defined by the Privacy Rules) to Customers; and (3) NTS will not use or share, directly or indirectly, such Consumer Information other than to carry out the joint marketing of
NTS's El Banco Products and Services as described in this subsection 9.1(c), except in each case as set forth in Section 7.4 or otherwise allowed by this Agreement to the extent permitted by
Applicable Law. 

        (d)   Any
Consumer Information obtained by NTS from Bank shall be deemed to relate solely to Bank's customers, and no such persons shall be deemed to be, or become by NTS's
use of such information, customers of NTS, except as required by Applicable Law (and then only to the extent required by such Applicable Law) or as otherwise provided in  Section 7.4(a) or this
Section 9. NTS shall hold Bank harmless with respect to NTS's use or disclosure of Consumer Information for
purposes other than to perform NTS's obligations under this Agreement. Bank shall be entitled to equitable relief, including an injunction and specific performance in the event of breach or threatened
breach of the provisions of this Section 9 of the Agreement, which shall be in addition to all other remedies available to Bank under the
Agreement or at law or in equity. 

        (e)   NTS
and Bank agree to cooperate to ensure that all Customers receive appropriate privacy disclosures as required by the Privacy Rules. The privacy disclosures and the
Customers' account agreements shall permit the parties to use the Consumer Information without restriction unless the individual Customer elects to "opt out" of permitting such use. Notwithstanding
any of the foregoing provisions, Bank agrees that it shall cooperate with NTS in obtaining an acceptable mechanism to disclose Consumer Information to the entity to which it transfers the NTS
check-decisioning system so that such entity would have the right to use such information solely in connection with the remote NTS check-decisioning system services it will provide to financial
institutions and retailers. 

         9.2  Non-Solicitation of El Banco Branch Office Customers. Bank covenants and agrees that upon termination of the
Agreement and in connection with any sale of El Banco Branch Office Accounts to NTS or a third party pursuant to Section 7.4, Bank shall also transfer control of the list of El Banco Branch
Office Customers. Thereafter, for a period of two years following the date of termination of 

15

 

this
Agreement, Bank agrees not to directly solicit, by use of a Customer list or Customer information obtained under this Agreement, any person or entity on the Customer List under the terms of this
Agreement. The parties acknowledge that if a Customer on the El Banco Branch Office Customer List subsequently becomes a customer of Bank through no solicitation by Bank, then this provision of the
Agreement has not been violated. However, nothing contained herein shall restrict Bank's right to offer a general solicitation in the Atlanta metropolitan statistical area or the State of Georgia
which might encompass El Banco Branch Office Customers. 

         9.3  Non-Competition. Bank covenants and agrees that during this Agreement and for a period of two years following
the date of termination of this Agreement, Bank shall not directly compete with NTS by establishing a bank branch in the State of Georgia that is directly targeted to the Latino community. If Bank
determines that it is in Bank's best interest to establish such a branch within the State of Georgia, during the term of this Agreement, NTS shall have the right of first refusal to operate such a
branch pursuant to this Agreement. Nothing in this Agreement shall prohibit nor hinder either party from engaging in activities outside of the State of Georgia that directly target the Latino
community either through products and services, or bank branches. Additionally, nothing herein limits the right of Bank to offer products and services targeted at the Latino community in its existing
network of branches, whether in the State of Georgia or elsewhere. 

         9.4  Non-Solicitation of NTS Employees. Bank covenants and agrees that during this Agreement and for a period of
two years following the date of termination of this Agreement, for whatever reason, Bank shall not, directly or indirectly, on its own behalf or on behalf of any other person or entity, solicit or
attempt to solicit or induce any person or persons employed by NTS, or any joint employee of NTS and Bank, including all of the employees described in Section 2.4 above (including the branch
manager) and including persons hired subsequent to the date of this Agreement, to leave such employment for employment with Bank. 

         9.5  Non-Solicitation of Bank Employees. NTS covenants and agrees that during this Agreement and for a period of
two years following the date of termination of this Agreement, for whatever reason, NTS shall not, directly or indirectly, on its own behalf or on behalf of any other person or entity, solicit or
attempt to solicit or induce any person or persons employed by Bank, including persons hired subsequent to the date of this Agreement but specifically excluding any of the employees described in
Section 2.4 above or any joint employees (including the branch manager), to leave such employment for employment with NTS. 

10.  REPRESENTATIONS
AND WARRANTIES 

       10.1  NTS's Representations, Warranties and Covenants. NTS represents and warrants to Bank that: 

        (a)   NTS
is a corporation duly organized, validly existing and in good standing under the laws of the State of Georgia; 

        (b)   NTS
has full corporate power and authority to carry on its business as it is now being conducted and to own and operate its properties and assets, including the El Banco
Branch Offices, and is duly qualified to do business in each state where the conduct of its business requires such qualification. 

        (c)   NTS
has all requisite corporate power and authority to enter into and perform all of its obligations under this Agreement. The execution and delivery of this Agreement
have been duly and validly authorized by all necessary corporate action on the part of NTS, and upon execution and delivery by Bank, will constitute the legal, valid and binding obligation of NTS,
enforceable against it in accordance with its terms, subject as to enforceability to bankruptcy, insolvency or other laws of general applicability relating to or affecting creditors rights and to
general equity principles. Neither the execution and delivery of this Agreement nor the consummation of the transaction herein contemplated conflicts in any material respect with or constitutes a
material 

16

 

breach
or material default under its organizational documents or under the terms and conditions of any documents, agreements, or other writings to which it is a party, or violate any judgment, order,
writ, injunction, or decree binding upon or affecting NTS or any provision of Applicable Law. 

        (d)   There
are no actions, suits, claims, governmental investigations or proceedings instituted, pending or, to the knowledge of NTS, threatened against NTS or against any
asset, interest or right of NTS, that would, if determined adversely to NTS, have a material adverse effect on NTS or would materially adversely affect the ability of NTS to perform its obligations
under this Agreement. 

        (e)   NTS
owns all the right, title and interest in and to the NTS Marks and Names and has the authority to license them to Bank in accordance with the terms of this
Agreement. Bank's use of the NTS Marks and Names in accordance with the terms of this Agreement shall not infringe or otherwise violate any third party's trademarks, service marks, trade names,
copyrights or other proprietary rights. 

       10.2  Bank's Representations, Warranties and Covenants. Bank represents, warrants and covenants to NTS that: 

        (a)   Bank
is a national banking association, validly organized and existing under the laws of the United States of America. 

        (b)   Bank
has full corporate power and authority to carry on its business as it is now being conducted and to own and operate its properties and assets, and is duly qualified
to do business in each state where the conduct of its business requires such qualification. 

        (c)   Bank
has all requisite corporate power and authority to enter into and perform all of its obligations under this Agreement. The execution and delivery of this Agreement
have been duly and validly authorized by all necessary corporate action on the part of Bank, and upon execution and delivery by NTS, will constitute the legal, valid and binding obligation of Bank,
enforceable against it in accordance with its terms, subject as to enforceability to bankruptcy, insolvency or other laws of general applicability relating to or affecting creditors rights and to
general equity principles. Neither the execution and delivery of this Agreement nor the consummation of the transaction herein contemplated conflicts in any material respect with or constitutes a
material breach or material default under its organizational documents or under the terms and conditions of any documents, agreements, or other writings to which it is a party, or violate any
judgment, order, writ, injunction, or decree binding upon or affecting Bank or any provision of Applicable Law. 

        (d)   There
are no actions, suits, claims, governmental investigations or proceedings instituted, pending or, to the knowledge of Bank, threatened against Bank or against any
asset, interest or right of Bank, that would, if determined adversely to Bank, have a material adverse effect on Bank or would materially adversely affect the ability of Bank to perform its
obligations under this Agreement. 

        (e)   Bank
owns all the right, title and interest in and to the Bank Marks and Names and has the authority to license them to NTS in accordance with the terms of this
Agreement. NTS's use of the Bank Marks and Names in accordance with the terms of this Agreement shall not infringe or otherwise violate any third party's trademarks, service marks, trade names,
copyrights or other proprietary rights. 

11.  INDEMNIFICATION 

       11.1  NTS Indemnity. Subject to the limitations set forth herein, NTS shall indemnify and hold harmless Bank and its
directors, officers and employees for all expenses and costs, including but not 

17

 

limited
to reasonable attorneys fees, judgments, penalties and other payments in settlement or other disposition, in connection with any claims, suits or proceedings made or brought by a third party
to the extent that such expenses and costs result from, arise out of or relate to (1) the gross negligence or willful misconduct of NTS; (2) a breach of this Agreement by NTS, or
(3) the Bank following NTS's instructions relating to its consultation and marketing services provided hereunder. Notwithstanding the foregoing, NTS shall not have any obligation to indemnify
Bank or its directors, officers and employees to the extent that any expenses or costs result from or arise out of the gross negligence or willful misconduct of Bank or its directors, officers or
employees or a breach of this Agreement by Bank. 

       11.2  Bank's Indemnity. Subject to the limitations set forth herein, Bank shall indemnify and hold harmless NTS and its
directors, officers and employees for all expenses and costs, including but not limited to reasonable attorneys fees, judgments, penalties and other payments in settlement or other disposition, in
connection with any claims, suits or proceedings made or brought by a third party to the extent that such expenses and costs result from, arise out of or relate to (1) the gross negligence or
willful misconduct of Bank; (2) a breach of this Agreement by Bank, or (3) NTS following Bank's instructions relating to the terms of conditions of any deposit or loan accounts offered
hereunder. Notwithstanding the foregoing, Bank shall not have any obligation to indemnify NTS or its directors, officers and employees to the extent that any expenses or costs result from or arise out
of the gross negligence or willful misconduct of NTS or its directors, officers or employees or a breach of this Agreement by NTS. 

       11.3  Indemnification Procedures. In the event of a claim, suit or proceeding by a third party for which indemnification may
be available under this Agreement is made or filed against either party, the party against which the claim, suit or proceeding is made (the "Indemnified Party"), shall promptly notify the other party
(the "Indemnifying Party") in writing of the claim, suit or proceeding, provided that the failure to notify the Indemnifying Party shall not relieve the Indemnifying Party from any liability the
Indemnifying Party may have to the Indemnified Party hereunder unless such failure would materially prejudice the interests of the Indemnifying Party. The Indemnifying Party, within 30 days, or
such shorter period as is required to avoid any prejudice in the claim, suit or proceeding, after the notice, may elect to defend, contest or otherwise protect against such third party claim, suit or
proceeding at its expense with counsel reasonably acceptable to the Indemnified Party. In any third party claim, suit or proceeding that the Indemnifying Party has elected to defend, contest or
otherwise protect against any such claim, suit or proceeding, the Indemnified Party may participate therein and retain counsel at its own expense and the Indemnifying Party shall not after such
election be responsible for the expenses, including counsel fees, of the Indemnified Party. However, the Indemnifying Party shall be entitled to control the defense of such claim, suit or proceeding,
unless the Indemnified Party has relieved the Indemnifying Party from liability with respect to that particular matter. If the Indemnifying Party fails to timely defend, contest or otherwise protect
against any such claim, suit, or proceeding, the Indemnified Party, may, but will not be obligated to, defend, contest or otherwise protect against the same, and make any compromise or settlement
thereof, and recover the cost of such defense, compromise or settlement from the Indemnifying Party, including reasonable fees and disbursements of counsel. In any third party claim, suit or
proceeding, the defense of which the Indemnifying Party shall have assumed, the Indemnified Party shall not consent to the entry of any judgment or enter into any settlement with respect to the matter
without the consent of the Indemnifying Party and the Indemnifying Party shall not consent to the entry of any judgment or enter into any settlement affecting the Indemnified Party without the written
consent of the Indemnified Party if the judgment or settlement involves more than the payment of money or involves the payment of money in an amount in excess of the amount which the Indemnifying
Party is obligated to pay under this Agreement. The Indemnified Party shall provide to the Indemnifying Party all information, assistance and authority reasonably requested in order to evaluate any
third party claim, suit or proceeding and affect any defense, compromise or settlement. The Indemnifying Party shall inform the 

18

 

Indemnified
Party on a regular basis of the status of any claim, suit or proceeding and the Indemnifying Party's defense thereof. 

12.  INSURANCE. 

       12.1  NTS
and Bank shall each maintain, at its own expense, with respect to: 

        (a)   fidelity
coverage, for not less than $1,000,000 (or such higher amount as may be required by good business practices or bank regulatory authority) to insure against
dishonest acts committed by their respective employees; 

        (b)   workers'
compensation and unemployment insurance for their respective employees as required by Law; 

        (c)   such
other forms of insurance required to be provided by an employer of employees; and 

        (d)   such
other insurance as may be recommended by NTS' and Bank's respective insurance consultants or required by bank regulatory or other governmental authorities. 

13.  DISPUTE
RESOLUTION 

       13.1  Disputes. In the event that either NTS or Bank should dispute in good faith any matter arising hereunder, including but
not limited to the accuracy of any fees hereunder or amount due or payable to either party under this Agreement or the performance of any other obligation hereunder (a "Dispute"), then such party
shall promptly, but in any case not later than 30 days following the date of receipt of the invoice or the occurrence of a disputed matter, notify the other party in writing of the nature of
such Dispute. NTS and Bank shall cooperate in good faith and make a reasonable effort to promptly resolve such Dispute within 30 days following the date on which either party receives such
notice. If the parties are unable to resolve such Dispute within such 30 day period following the date on which a party receives such notice, a senior officer of each party shall meet to
resolve the Dispute at a mutually agreeable site and time. Each party's representative shall be granted the authority by their respective organization to resolve the Dispute and commit and bind their
respective organization to any agreement reached at the meeting. The representatives of the parties shall attend such meeting or meetings accompanied by any other person or persons they believe are
necessary to reach a resolution of the Dispute. The designated representatives shall continue to meet as often as the parties reasonably deem necessary in order to gather and furnish to the other all
information with respect to the matter in issue which the parties believe to be appropriate and germane in connection with the resolution of the issue. The parties will discuss the problem and
negotiate in good faith in an effort to resolve the Dispute or renegotiate the applicable section or provision without the necessity of any formal proceeding relating thereto. During the course of
such negotiation, all reasonable requests made by one party to the other for information will be honored in order that each of the parties may be fully advised as to the matters under discussion. The
specific format for such discussions will be left to the discretion of the representatives at the meeting, but may include the preparation of agreed upon statements of fact or written statements of
position furnished to the other party. The parties are not obligated to continue such meetings as described in this Section beyond 30 days from the first date of any such meeting. 

14.  MISCELLANEOUS 

       14.1  Further Actions. The parties agree to execute and deliver such instruments and take such other actions as the other
party may reasonably require to carry out the intent of this Agreement. 

       14.2  Rights Not Exclusive. No right or remedy of either party provided hereby shall be exclusive of any other right or
remedy. 

19

 

       14.3  No Waiver. No failure of either party to exercise any of its rights under any provision of this Agreement or waiver of
any breach of the terms of this Agreement by the other party shall be construed as waiver of such rights or of any other breach of the same or any other provision hereof. 

       14.4  Notices. All notices, requests and other communications required or permitted to be given or delivered hereunder to
either party should be in writing, and shall be personally delivered, or sent by certified or registered mail, postage prepaid and addressed, or by overnight courier such as Federal Express to the
Principal Contact as set forth below. All notices, requests, and other communications shall be deemed to have been given upon delivery as evidenced by the return receipt or delivery as evidenced by
the return receipt or delivery records of the courier. 

	For NTS:	 	 	 	 	 	 
	

 	
 	

Principal Contact:

Business Phone:

Business Mailing Address:	
 	

Drew W. Edwards

678-461-0995 ext. 201

10485 Alpharetta Street

Roswell, GA 30375
	

 	
 	

With a copy to:	
 	

 	
 	

 
	

 	
 	

 	
 	

Neil E. Grayson

404-817-6113

Nelson Mullins Riley & Scarborough, LLP

999 Peachtree Street, Suite 1400

Atlanta, GA 30309
	

For Bank:	
 	

 	
 	

 
	

 	
 	

Principal Contact:	
 	

William R. Reed, Jr., CEO
	 	 	Business Phone:	 	 	 	 
	 	 	 	 	
	 	 
	 	 	Business Mailing Address:	 	National Bank of Commerce

One Commerce Square

Memphis, Tennessee 38150
	

With a copy to:	
 	

NBC Legal Department

Beth Whitehead

One Commerce Square

Memphis, TN 38150

Facsimile (901)523-3303

The
Principal Contact for each part shall serve as a management liaison for all purposes concerning this Agreement and all notices required or permitted hereunder. If either party decides at any time
to replace the person serving as its Principal Contact, it may do by written notice to the other party. 

       14.5  Entire Agreement. The parties agree that this Agreement, the Purchase and Assumption Agreement, the Stock Subscription
Agreement and the Shareholders Agreement] and all schedules, exhibits and attachments hereto and thereto, contain the entire agreement between the parties concerning the subject matter
hereof and supersedes all prior agreements on the same subject matter, and all prior oral or written discussions are merged herein and into the Purchase and Assumption Agreement, the Stock
Subscription Agreement and the Shareholder Agreement. 

       14.6  Amendment, Waiver. The Agreement may not be amended or altered and no rights shall be deemed waived unless such
amendment or waiver is set forth in writing and executed by all parties hereto. 

20

 

       14.7  Assignment. This Agreement may not be assigned by either party without the express written consent of the other party.
This Agreement shall be binding upon and shall inure to the benefit of each party's permitted successors and assigns. 

       14.8  Severability. If any provision of this Agreement should be held to be invalid, illegal or unenforceable, then such
provision shall be construed in such a way as to make such provision enforceable, or this Agreement shall be construed as if such provision had never been contained herein, and such invalidity,
illegality or unenforceability shall not affect any other provision hereof. 

       14.9  Headings. The headings contained in this Agreement are for convenience only and shall be ignored when interpreting this
Agreement and shall not be construed to alter or change any provision hereof. 

     14.10  Choice of Law. This Agreement shall be governed by the laws of the State of Georgia without regard to its choice of law
rules. 

     14.11  Force Majeure.    If either party is rendered unable, wholly or in part, solely by a force outside the
control of the parties, including but not limited to, acts of God, war, epidemics, fire, earthquakes, or other natural disasters, complete power failures, strikes, or civil disturbances, to carry out
its obligations under this Agreement (other than to comply with the restrictions on the use of confidential information), that party shall give to the other party prompt written notice to that effect.
Upon receipt of such notice, the obligations of the party giving notice will be suspended so long as such party is unable to perform and such party will have no liability to the other party for the
failure to perform any suspended obligation during the period of suspension; provided, however, that the party to whom such notice was given may at its option, terminate the Agreement, if the
inability to perform continues for a period in excess of thirty (30) days and is continuing. 

     14.12  Enforcement. If either party brings an action under this Agreement (including appeal), the prevailing party shall be
entitled to recover reasonable attorneys' fees and costs actually incurred, to the extent permitted by law. Any suit relating to this Agreement or the transactions contemplated herein shall be brought
in a court of competent jurisdiction located in the State of Georgia. 

     14.13  Relationship of Parties. Nothing contained in this Agreement shall constitute or be construed as creating a
partnership, joint venture or principal and agent relationship between the parties. It is agreed that each party shall at all times be an independent contractor and not an agent for the other party. 

     14.14  Counterparts. This Agreement may be executed in one or more counterparts, each of which shall be deemed an original,
and which when taken together shall constitute one complete instrument. 

(Signatures on the following page)  

21

 

        IN WITNESS WHEREOF, the parties hereto have executed this Agreement to day and year first above written by and through their duly authorized officers. 

	NUESTRA TARJETA DE SERVICIOS, INC.	 	NATIONAL BANK OF COMMERCE
	

By:	
 	

/s/  DREW W. EDWARDS      
	
 	

By:	
 	

/s/  WILLIAM R. REED, JR.      

	Name: Drew W. Edwards

Title: CEO	 	Name: William R. Reed, Jr.

Title: CEO and President

       

22

   SCHEDULE A (Draft 6/19/03)  

Products and Services to be Offered at El Banco Offices  

Electronic Demand Deposit Accounts 

Direct
Deposit 

Checking
Accounts 

Savings
Accounts 

Certificates
of Deposit 

Notary

Money
Orders 

Consumer
Loans and Lines of Credit 

Mortgage
Loans 

Business
Loans and Lines of Credit 

Phone
Cards 

Check
Cashing 

ITIN
Issuance 

Lamination
Services 

Copy,
fax, etc. 

Community
Financial Education Services 

"Tax
Mart" Tax Preparation/Rapid Refund Services 

23

 
SCHEDULE B (Draft 6/19/03) 

National
Commerce Financial 

Schedule
of Fees 

	Account Service Fee

(Checking Accounts, Savings Accounts and Certificates of Deposit)	 	 	 
	 	Monthly processing fee per account—parent	 	$	2.25
	 	Monthly processing fee per account—sub	 	$	.50
	 	Consumer Loan Service Fee

(Unsecured and secured "portfolio" installment loans and lines of credit)	 	 	 
	 	Monthly servicing fee per account	 	$	8.00
	 	Business Loan Service Fee

(Unsecured and secured installment loans and lines of credit)	 	 	 
	 	Monthly processing fee per account	 	$	30.00
	 	Mortgage Loan Service Fee (excluding collection procedures)	 	 	 
	 	Monthly servicing fee per account—fixed rate loan	 	 	25 bps annually
	 	Monthly servicing fee per account—ARM	 	 	37.5 bps annually
	 	Mortgage underwriting/processing per application	 	 	To Be Determined
	 	Legal Fees	 	 	 
	 	Garnishment	 	$	50.00
	 	Levy	 	$	50.00
	 	Research	 	 	 
	 	Per hour	 	$	20.00
	 	Per item copied	 	$	2.00
	 	Per statement copied	 	$	3.00
	 	Wire Transfers	 	 	 
	 	Customer	 	$	10.00
	 	Non-customer	 	$	10.00
	 	International	 	$	15.00
	 	Miscellaneous Goods and Services	 	 	 
	 	As described in Section 6	 	 	 
	 	Monthly Service Fee	 	 	 
	 	Includes all back room, training, administrative and audit functions for the first twelve months of operation. Additional twenty-four months will be determined later by parties.	 	$	1,750.00 per month

24

 
SCHEDULE C  

        Initial Marketing Plan and Marketing Materials for the El Banco Branches 

25

 
SCHEDULE D  

        Economic Model for the El Banco Branch Responsibility Center 

26

QuickLinks

BANK LEASE AND MARKETING AGREEMENTQuickLinks
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Exhibit 10.14  

Execution Copy  

 
 

TRANSITION AGREEMENT    
    

        THIS TRANSITION AGREEMENT (hereinafter, "Transition Agreement" or
"Agreement") is made as of the 14th day of June, 2006 (the "Effective Date") by and between SunTrust
Bank, a Georgia banking corporation, as successor-in-interest to National Bank of Commerce ("STB"), and Nuestra Tarjeta de Servicios, Inc.
("NTS")(STB and NTS are referred to sometimes hereinafter as the "parties" or separately as a "party"). 

        IN CONSIDERATION of the mutual promises and covenants contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which hereby are acknowledged conclusively, it is agreed by STB and NTS as follows: 

        1.    Payments by STB to NTS.    STB shall pay
to NTS, as consideration for this Transition Agreement, up to Two Million Dollars and No Cents ($2,000,000.00), subject to the terms and conditions of this Agreement, consisting of an Initial Payment
and a Completion Payment (if earned), as follows: 

        (a)   Initial Payment.  STB shall pay NTS the sum of Five Hundred Thousand and No Cents ($500,000.00) and comply
with Section 7(d) hereunder (the "Initial Payment") within five (5) Business Days of NTS' satisfaction in all respects of the Initial
Payment Conditions. 

        (b)   Completion Payment.  STB shall pay NTS an additional sum of up to One Million Five Hundred Thousand Dollars
and No Cents ($1,500,000.00) (the "Completion Payment") in accordance with
Sections 3 and 5 of this Agreement within five (5) Business Days of NTS' satisfaction in all respects of the Completion Payment Conditions. 

        (c)   The
Initial Payment and the Completion Payment (if earned) shall be in addition to the payments required by Section 5 or Section 6 upon Deconversion or
Consolidation. 

        (d)   STB's
liability under this Agreement shall be limited to the Initial Payment and the Completion Payment (if and to the extent earned by NTS in accordance with the terms
and conditions of this Agreement). Nothing in this Agreement, the Marketing Agreement (as defined in Section 4 below), or otherwise shall be construed to obligate STB to provide any further
compensation with respect to NTS' business, customers, El Banco deposit accounts, or El Banco loan accounts, except as expressly provided in this Agreement. 

        2.    Initial Payment Conditions.    STB's
obligation to pay the Initial Payment to NTS shall be conditioned upon the following: 

	a.
	the
board of directors of NTS shall have authorized and approved this Transition Agreement and the Initial Release and all performance by NTS of the transactions contemplated by this
Transition Agreement (including the Supplemental Release), and NTS shall have provided a signed, written certificate of its corporate Secretary attesting to such fact to STB no later than
June 14, 2006;

	b.
	the
initial mutual release in the form of Exhibit A attached hereto, which shall become effective upon execution and delivery by the other party thereto and payment by STB of
the Initial Payment (the "Initial Release"), shall have been executed by an authorized officer of NTS on behalf of NTS, and delivered to STB, no later than June 14, 2006;

	c.
	NTS
shall have delivered to STB a certificate of its President dated the Effective Date certifying to the fulfillment by NTS of all of the foregoing conditions; (subsections
(a) through (c) collectively, the "Initial Payment Conditions"). 

 

        3.    Completion Payment Conditions.    STB's obligation to pay the
Completion Payment to NTS shall be conditioned upon the following: 

	a.
	NTS
shall have satisfied the Initial Payment Conditions on or before June 14, 2006;

	b.
	the
supplemental mutual release in the form of Exhibit B attached hereto, which shall be dated as of the Termination Date and which shall become effective upon execution and
delivery by the other party thereto and payment by STB of the Completion Payment (the "Supplemental Release"), shall be executed by an authorized
officer of NTS on behalf of NTS and delivered to STB no later than the Termination Date;

	c.
	on
the Termination Date, no action, suit or proceeding shall be pending or threatened against either party which might materially and adversely affect the transactions contemplated by
this Agreement;

	d.
	NTS
shall have executed and delivered the agreements and instruments described in Sections 5 or 6 hereof and to which NTS is a party;

	e.
	The
parties shall have effected and completed an Electronic Deconversion or Consolidation on terms and conditions consistent with this Agreement, including but not limited to the
notice requirements of Section 5(b) or Section 6(b) as applicable, no later than the Termination Date or such earlier date shown on Exhibits C or D, respectively (for the sake of
clarity, no Completion Payment shall be earned upon completion of Manual Deconversion); and

	f.
	NTS
shall have paid to STB the net amounts required by Sections 5 or 6 of this Transition Agreement with respect to the assumption of the Customer Deposit Accounts and (if applicable)
the purchase of Customer Loan Accounts by NTS (subsections (a) through (f) collectively, the "Completion Payment Conditions"). 

        4.    Effect on Marketing Agreement.    The parties' rights and
obligations under that certain Bank Lease and Marketing Agreement dated as of December 6, 2003 between NTS and National Bank of Commerce, as
predecessor to STB, (the "Marketing Agreement") shall continue except as modified by this Agreement, but shall terminate upon the earlier of (a) NTS' satisfaction of the Completion Payment
Conditions (or completion of a Manual Deconversion in accordance with Section 5(g) of this Agreement) and (b) 4:00 p.m. Atlanta time on Friday, July 15, 2007, except for
(i) the obligation of either NTS or STB to pay amounts due with respect to any period prior to the Termination Date arising under Section 6 of the Marketing Agreement, (ii) the
confidentiality obligations of NTS and STB under Section 8.2 of the Marketing Agreement, (iii) the customer non-solicitation obligations STB under Section 9.2 of the
Marketing Agreement, (iv) the indemnification rights and obligations of NTS and STB under Section 11 of the Marketing Agreement, each of which shall continue as expressly provided
therein and as amended and restated in Exhibit E attached hereto; except that claims in existence on the Effective Date shall be released when the Initial Release becomes effective; and except
that claims in existence on the Termination Date shall be deemed released when the Supplemental Release becomes effective. For the sake of clarity, the provisions of Sections 5 and 6 of this Agreement
are intended to expressly supersede the provisions of Section 7.4 and any other contrary provisions of the Marketing Agreement. 

        5.    Deconversion.    On or before January 26, 2007, NTS shall
have the right to pursue an Electronic Deconversion at its sole expense subject to the terms and conditions of this Agreement. In the event that NTS does not satisfy the Deconversion Conditions on or
before January 26, 2007 but ultimately satisfies the conditions in Sections 5(g)(i)(A), 5(g)(i)(B), 5(g)(i)(C), and 5(g)(i)(D) (the "Manual Deconversion Conditions") on or before
February 20, 2007, then NTS shall have the right to pursue Manual Deconversion at its sole expense subject to the terms and conditions of this Agreement. 

2

 

        (a)   NTS
shall have no right to pursue Electronic Deconversion, or to earn the Completion Payment as a result of Deconversion, unless all of the Deconversion Conditions are
satisfied on or before January 26, 2007, and if the Deconversion Conditions are not satisfied by such date, and if the Manual Deconversion Conditions are not satisfied by 4:00 p.m. on
February 20, 2007, then the parties shall thereafter use their good faith efforts to effect Consolidation as soon as practicable. 

        (b)   Conditions
to NTS' Right to Pursue Deconversion. NTS' right to pursue Electronic Deconversion, and any STB obligation to assist NTS in the Deconversion process, shall be
subject to the timely fulfillment of each of the following conditions: 

	i.
	Each
applicable regulator shall have approved, no later than January 26, 2007, NTS' application or applications for the direct or indirect acquisition of NBG and
the assumption by NBG of the Customer Deposit Accounts, and no other necessary regulatory approvals shall be pending;

	ii.
	NTS
shall have completed its acquisition of NBG no later than January 26, 2007;

	iii.
	NTS
shall have notified STB in writing, prior to the relevant deadline set forth on Exhibit C attached hereto, of NTS' election to pursue Deconversion (with the actual
dates of Deconversion to be determined by STB in accordance with Section 5(d) of this Agreement). For the sake of clarity, Exhibit C requires in all circumstances:

	(A)
	actual
Deconversion to be effected only during one of the six weekends determined by STB and set forth on Exhibit C when STB resources will be available;

	(B)
	90 days'
written notice prior to the actual dates of Deconversion (except with respect to the weekend of April 13-15, for which 77 days'
notice will suffice); and

	(C)
	actual
Deconversion completed on or before February 18, 2007 in order to earn as a result of Deconversion a $1,500,000 Completion Payment, or before
March 25, 2007 in order to earn a $750,000 Completion Payment; and

	(D)
	If
NTS requests a Deconversion Date after March, 2007, or otherwise fails to complete Deconversion prior to March 25, 2007, STB shall have no obligation to make a
Completion Payment.

	iv.
	NTS
shall have delivered to STB a certificate of its President certifying that NTS has fulfilled or satisfied all of the foregoing conditions, together with evidence of
the satisfaction of any of the foregoing conditions reasonably requested by STB; (subsections (i) through (iv) collectively, the "Deconversion Conditions"). 

        (c)   The
amount of the Completion Payment earned upon Electronic Deconversion shall be determined based upon the actual date on which Electronic Deconversion is completed,
consistent with Section 5(d) and Exhibit C. 

        (d)   The
actual dates of Electronic Deconversion shall be one of the six weekends (Friday afternoon through Sunday) set forth on Exhibit C which meet the notice
requirement of Section 5(b)(iii). STB shall have the right to choose the actual weekend of Electronic Deconversion in the event that more than one of the weekends on Exhibit C meet the
notice requirement of Section 5(b)(iii), and shall promptly communicate its choice to NTS. The amount of any Completion Payment earned by NTS as a result of Deconversion shall not be reduced
solely by STB's exercise of its rights in the foregoing sentence if NTS' notice of Deconversion was adequate to allow Deconversion on an earlier date for which a greater Completion Payment might be
earned. 

3

 

        (e)   Subject
to Section 5(g) below, in the event that NTS fails to timely satisfy the Deconversion Conditions, then, notwithstanding Section 7.4 of the
Marketing Agreement, upon written notice of such from STB to NTS, the parties shall be obligated to diligently pursue Consolidation, and the parties shall cooperate with each other to effectuate a
Consolidation, consistent with the terms and conditions of this Agreement as promptly as practicable. 

        (f)    If
NTS elects to pursue Deconversion and satisfies all of the Deconversion Conditions prior to January 26, 2007, and is not then in material breach of this
Agreement (or such breach is cured prior to January 26, 2007), then STB shall assist NTS in transferring the Customer Deposit Accounts and/or the Customer Loan Accounts from the computer
equipment, software and related equipment used by STB or its designee to NTS subject to the terms and conditions of this Agreement. 

	i.
	Coordination.  The parties shall agree on a Deconversion plan which shall contemplate a transfer of the
Customer Deposit Accounts and/or the Customer Loan Accounts purchased by NTS or a bank-chartered designee of NTS no later than April 13-15 and as promptly as practicable
after the satisfaction of the Deconversion Conditions and the receipt of all necessary regulatory approvals. Representatives of NTS and STB shall meet periodically to create, revise, and implement
such plan.

	ii.
	Timing.  STB shall select the actual dates of Electronic Deconversion consistent with Section 5(d) of
this Agreement (the "Deconversion Date").

	iii.
	Processing During Transition Period; Back Office Conversion and Expenses.  STB agrees to continue to process
the Customer Deposit Accounts and service the Customer Loan Accounts until the earlier of Deconversion or the Termination Date. STB and NTS shall cooperate with each other (consistent with their
internal day-to-day operations) to cause STB to transfer to NTS or a bank-chartered designee of NTS in a timely and orderly manner data and information concerning
the Customer Loan Accounts purchased by NTS or a bank-chartered designee of NTS and the Customer Deposits Accounts, which are maintained on STB's data processing systems so that NTS can
incorporate such information into the data processing system of NTS or a bank-chartered designee of NTS no later than the opening of business on the Business Day following the Deconversion
Date. STB agrees to honor all ACH and paper items for a period of ninety (90) days following the Deconversion Date. If NTS requests STB to honor ACH and paper items for longer period of time,
NTS agrees to pay a per item fee of $.50 for each ACH or paper item after ninety (90) days.

	iv.
	Deposits.  NTS or its bank-chartered designee shall assume from STB all of the deposits of El
Banco customers in existence on the Deconversion Date by executing and delivering an assignment and assumption agreement in form and substance reasonably satisfactory to the parties. Simultaneously
with NTS' assumption of the deposits, STB shall pay NTS an amount equal to the aggregate deposit liability assumed by El Banco, and NTS shall assume such deposits and provide evidence thereof to STB
as STB shall reasonably request.

	v.
	Loans.  NTS acknowledges that STB funded all loans made to El Banco customers when made. Therefore,
notwithstanding anything to the contrary in the Marketing Agreement, upon Deconversion, NTS shall have the right to acquire title to all (but not less than all) of the Customer Loan Accounts in
existence on the Deconversion Date for their par value (outstanding principal and accrued interest balance on the date of sale of all of the Customer Loan Accounts) plus $10.00, which par value and
$10.00 shall be paid in immediately available funds on the date the loan are sold. 

4

 

NTS
shall exercise such right by providing notice of its exercise no later than the date it provided notice to STB of its intent to pursue Deconversion in accordance with this Agreement. Because STB
relies on an third-party vendor for the processing of the Customer Loan Accounts, STB shall not be in breach of its obligations under this Section 5(f)(v) provided that STB causes such
loans to be sold no later than 150 days after the date NTS provided notice of Deconversion or within 60 days after the actual date of Deconversion. The foregoing provision is intended to
expressly supersede Section 7.4 and any other contrary provision of the Marketing Agreement. 

	vi.
	[intentionally
omitted]

	vii.
	Vault Cash.  The parties acknowledge that the vault cash is the property of STB and STB shall be entitled to
remove the vault cash from the El Banco Branches without the payment of further consideration.

	viii.
	Equipment.  STB shall have the right to access the El Banco Branches and remove its equipment, images,
software, proprietary or customer data, and any other STB materials or property, including any materials or property bearing STB trademarks or service marks. STB shall have no obligation to purchase
any such equipment from, or to sell any such equipment to, NTS. STB shall have the right to terminate any telecommunication service which it provides to NTS upon the earlier of the Deconversion Date
or the Termination Date. Notwithstanding the foregoing, prior to the Termination Date, STB shall not remove any of the foregoing items if the effect of such removal shall limit or prevent NTS from
engaging in its operations under the Marketing Agreement.

	ix.
	[intentionally
omitted]

	x.
	Branches and Customer Transition.  Except as provided in Section 6, to the extent that the current El
Banco Branches will not become branches of the Bank-chartered designee, STB shall be authorized to provide all notices and filings necessary or desirable to close the El Banco Branches as
STB branches in a manner not inconsistent with this Agreement effective upon the Deconversion Date. NTS shall cooperate with and assist STB in transitioning customers, including seeking or any
required regulatory approvals or providing notices as requested by STB. Upon Deconversion, STB shall have no obligation to keep any El Banco Branch open, retain any NTS/El Banco employees, or to
conduct business from the El Banco Branches. NTS or its bank-chartered designee shall assume all obligations under existing leases for the property or equipment from which the El Banco
Branches are presently conducted.

	xi.
	Customer Records and Information.  On the Deconversion Date or such earlier date consistent with the
Deconversion Plan, STB shall provide NTS with all records and information related to the Customer Deposit Accounts assumed by NTS and, if applicable, the Customer Loan Accounts purchased by NTS.
Notwithstanding the foregoing, STB shall not be required to transfer to NTS, or to any other entity, any customer relationship or other information to the extent such information does not relate to a
Customer Deposit Account assumed by NTS or a Customer Loan Account purchased by NTS. Notwithstanding the completion of the Deconversion, STB shall have the right to retain copies of records relating
to Customer Deposit Account assumed by NTS or a Customer Loan Account purchased by NTS in a format which shall enable STB to retrieve such information in a timely manner to respond to requests from
customers, to subpoenas, and to requests from its regulators. 

5

 

	xii.
	Excluded Businesses.  Nothing in this Agreement shall be construed to create an obligation on the part of
NTS to sell, or on the part of STB to purchase or make any payment whatsoever in respect of, NTS' existing or contemplated business consisting of non-bank services including but not
limited to check cashing, location/property leases, etc. (the "Excluded Business").

	xiii.
	Settlement.  Nothing in this Agreement shall be construed to waive NTS' right to the net monthly settlement
amounts under Section 6 of the Marketing Agreement pending on the Termination Date. 

        (g)   Manual Deconversion. 

	i.
	On
the weekend of April 13-15, 2007, NTS shall have a right to implement a Manual Deconversion if:

	(A)
	each
applicable regulator shall have approved, no later than February 20, 2007, NTS' application or applications for the direct or indirect acquisition of NBG and
the assumption by NBG of the Customer Deposit Accounts and, if applicable, the Customer Loan Accounts, and no other necessary regulatory approvals are pending;

	(B)
	NTS
has completed its acquisition of NBG no later than February 20, 2007;

	(C)
	NTS
has provided STB with written notice of its election to pursue a Manual Deconversion no later than 4:00 p.m., Atlanta time, on February 20, 2007, and
such notice is not inconsistent with any other notice provided by NTS to STB; and

	(D)
	NTS
shall have delivered to STB a certificate of its President certifying that NTS has fulfilled or satisfied all of the foregoing conditions, together with evidence of
the satisfaction of any of the foregoing conditions reasonably requested by STB.

	ii.
	The
Manual Deconversion, which will involve the transfer of El Banco Branch Office Accounts from STB to NTS's Bank-chartered designee without an account
closure in a manner transparent to customers to the same extent as an Electronic Deconversion, will be conducted by NTS employees based upon paper copies of customer lists and account information as
of the close of business on April 13, 2007 provided to NTS by STB as soon as practicable thereafter.

	iii.
	If
NTS pursues Manual Deconversion, the relevant provisions of Section 5(f) above shall be applicable.

	iv.
	Notwithstanding
anything to the contrary, in no event shall NTS be entitled to a Completion Payment upon completion of Manual Deconversion. 

        6.    Consolidation.    

        (a)   Notice of Declination of Purchase.  NTS shall notify STB in writing if for any reason NTS affirmatively
declines to pursue or will be unable to timely complete Deconversion. 

        (b)   Notice of Consolidation and Amount of Completion Payment.  In order to earn the Completion Payment as a
result of Consolidation, NTS shall provide STB at least 97 days' written notice prior to the actual date of Consolidation (except to the extent provided in Section 6(d). For the sake of
clarity, Exhibit D requires in all circumstances: 

	(i)
	actual
Consolidation to be effected only on the weekends set forth on Exhibit D when STB resources will be available; 

6

 

	(ii)
	97 days'
written notice prior to the actual dates of Consolidation;

	(iii)
	actual
Consolidation completed on or before February 4, 2007 in order to earn a $1,500,000 Completion Payment as a result of Consolidation, or before
March 25, 2007 in order to earn a $750,000 Completion Payment as a result of Consolidation; and

	(iv)
	STB
shall have no obligation to make a Completion Payment if Consolidation is completed after March 25, 2007. 

        (c)   The
amount of the Completion Payment earned upon Consolidation shall be determined based upon the actual date on which Consolidation is completed, consistent with
Section 6(d) and Exhibit D. 

        (d)   STB
shall choose the actual date of Consolidation, which shall be a weekend (Friday afternoon through Sunday). STB shall be limited to weekends at least 97 days
but which begin no more than 104 days after NTS' notice of Consolidation is deemed given (except that STB may choose a weekend which beings as much as 111 days after NTS' notice of
Consolidation is deemed given if NTS' notice of Consolidation is deemed given prior to October 16, 2006). The amount of any Completion Payment earned by NTS as a result of Consolidation shall
not be reduced solely by STB's exercise of its rights in the foregoing sentence to defer by up to 14 days the actual date of Consolidation. With respect to Consolidations occurring after
March 25, 2007, and for which no Completion Payment may be earned, STB shall be permitted to select any weekend for Consolidation subject to applicable regulatory requirements pertaining to
notice to affected depositors. 

        (e)   Mandatory Consolidation.  Notwithstanding Section 7.4 of the Marketing Agreement, in the event that
(i) NTS notifies STB of its decision not to pursue or inability to timely complete Deconversion, (ii) NTS fails to timely satisfy the Deconversion Conditions, or (iii) NTS
materially breaches this Agreement (and such breach is not cured prior to January 26, 2007), then the parties shall promptly and diligently pursue Consolidation of the Customer Loan Accounts
and Customer Deposit Accounts (and in any such event NTS shall have no further claim to purchase such accounts or to pursue Deconversion) including taking the following actions on or before the
Termination Date: 

	i.
	Coordination.  The parties shall agree on a Consolidation plan which shall contemplate STB's retention of the
Customer Deposit Accounts and the Customer Loan Accounts, a release and waiver of any claim of ownership by NTS of the Customer Deposit Accounts and the Customer Loan Accounts, and the termination of
banking services at the El Banco Branches, no later than the Termination Date and as promptly as practicable. Representatives of NTS and STB shall meet periodically to create, revise, and implement
such plan.

	ii.
	Timing.  STB shall select the actual dates of Consolidation consistent with Section 6(c) of this
Agreement (the "Consolidation Date").

	iii.
	Deposits.  STB shall retain, and NTS shall assign and transfer all of its right, title and interest in and
to, the Customer Deposit Accounts of El Banco Branch customers in existence on the Consolidation Date. NTS acknowledges that after the Consolidation Date no further payment shall be due from STB to
NTS with respect to such Customer Deposit Accounts.

	iv.
	Loans.  STB shall retain title to and NTS shall assign and transfer all of its right, title and interest in
and to, the Customer Loan Accounts of El Banco Branch customers in existence on the Consolidation Date. NTS acknowledges that STB funded these 

7

 

loans
when made and, therefore, upon Consolidation no further payment shall be due from STB to NTS with respect to such loans. 

	v.
	Vault Cash.  The parties acknowledge that the vault cash is the property of STB and STB shall be entitled to
remove the vault cash from any El Banco Branch without the payment of further consideration.

	vi.
	Physical Locations and Equipment.  STB shall have the right to access the El Banco Branches and remove its
equipment, images, software, proprietary or customer data, and any other STB materials or property, including any materials or property bearing STB trademarks or service marks. STB shall have no
obligation to purchase any such equipment from, or to sell any such equipment to, NTS. STB shall have the right to terminate any telecommunication service which it provides to NTS effective upon the
Consolidation Date. Notwithstanding the foregoing, prior to the Termination Date, STB shall not remove any of the foregoing items if the effect of such removal shall limit or prevent NTS from engaging
in its operations under the Marketing Agreement.

	vii.
	[intentionally
omitted]

	viii.
	Branches and Customer Transition.  STB shall be authorized to provide all notices and filings necessary or
desirable to close the El Banco Branches as STB branches effective in a manner not inconsistent with this Agreement upon the Consolidation Date, and STB shall provide contemporaneous copies of such to
NTS. NTS shall cooperate with and assist STB in transitioning customers, including seeking or any required regulatory approvals or providing notices as requested by STB. Upon Consolidation, STB shall
have no obligation to keep any El Banco Branch open, retain any NTS/El Banco employees, or to conduct business from the El Banco Branches. NTS shall assume all obligations under existing leases for
the property or equipment from which the El Banco Branches are presently conducted.

	ix.
	Customer Records and Information.  STB shall retain customer data to the extent such data relates to any
Customer Deposit Accounts or Customer Loan Accounts retained or transferred to STB. NTS agrees to (1) cooperate and supplement such data relating to Customer Deposit Accounts and Customer Loan
Accounts as needed, (2) comply in all respects with all applicable bank and consumer privacy laws, including but not limited to the Gramm Leach Bliley Act, for a period of at least seven years
following the Termination Date or such longer period as required by Applicable Law. NTS shall return or destroy all other non-public customer data of any kind.

	x.
	Excluded Businesses.  Nothing in this Agreement shall be construed to create an obligation on the part of NTS
to sell, or on the part of STB to purchase or make any payment whatsoever in respect of, the Excluded Business.

	xi.
	Settlement.  Nothing in this Agreement shall be construed to waive NTS' right to the net monthly settlement
amounts under Section 6 of the Marketing Agreement pending on the Termination Date. 

        7.    Covenants and Agreements.    Recognizing that from the Effective
Date through the earlier of the Deconversion Date, the Consolidation Date, or the Termination Date (the "Transition Period"), the parties will continue performance of the Marketing Agreement (as
modified herein), the parties agree that they will perform their respective duties and obligations in good faith. Furthermore, the parties agree that they will cooperate with one another in preparing
for an orderly termination of their 

8

 

relationship.
As part of the consideration for this Transition Agreement, NTS agrees that it will perform fully those "Transition Requirements" which are set forth hereinafter. 

        (a)   [intentionally
omitted] 

        (b)   Regulatory Approvals.  NTS shall prepare and file, as soon as practicable, all applications, as required by
law, to the appropriate federal and/or state regulatory authorities for approval to effect the transactions contemplated by this Agreement and shall use its good faith and best efforts to obtain such
approvals prior to the Termination Date. The Parties agree to cooperate in obtaining any regulatory approval and/or providing notices to affected customers with respect to the transactions
contemplated by this Agreement. NTS shall notify STB promptly of any significant development with respect to any application it files under this Section. NTS also shall provide STB with a copy of any
regulatory approval it receives under this Section, promptly after NTS's receipt of the same. The parties hereby agree that, upon receipt of any material written correspondence from or to any
regulatory body in connection with the transactions contemplated by this Agreement such party will forward all such written regulatory correspondence (except for any confidential portions thereof) to
the other party within five (5) Business Days of receipt. 

        (c)   Cooperation and Further Assurances.  Each of the parties agrees to fully cooperate and coordinate with the
other party, and to direct any third-party data processing or other providers to cooperate and coordinate, to effect the transactions contemplated by this Agreement in a manner that is not
inconvenient to customers of the El Banco Branches or disruptive to the services offered by the El Banco Branches to such customers, and that enables the smooth transition of the El Banco Branches and
their operations as contemplated by Section 5 from STB to NTS or from NTS to STB as contemplated by Section 6 without unnecessary delay or expense, including, without limitation,
cooperating and coordinating to: (i) effect such mailings or other distributions to customers of the El Banco Branches, including, without limitation, any notices to customers of the El Banco
Branches, and any final or other statements, as may be required by applicable law or regulations or as the parties shall mutually agree, and as appropriate, to share the costs of and/or combine such
mailings; (ii) effect any mailings or notifications to third parties, including, without limitation, notices to third-party processors and ACH service providers; and (iii) complete all
necessary data, data processing and other systems conversions in a timely manner. The parties hereto agree to cooperate fully with one another and to execute all supplementary documents and to take
all individual actions which may become necessary or appropriate to give full force and effect to the basic terms and interest of this Transition Agreement. 

        (d)   Repurchase of STB Investment.  As part of the Initial Payment, STB shall sell and NTS shall purchase all
capital stock, options, and warrants of NTS held by STB and its subsidiaries (including National Commerce Bank Services, Inc.) for an aggregate purchase price of $10.00, and all rights and
obligations of STB and its affiliates under the Shareholders Agreement and the various option and warrant agreements by and among NTS and STB as successor to National Commerce Bank
Services, Inc. ("NCBS") shall terminate upon the Effective Date. 

        8.    Public Announcements.    From the Effective Date, and for a
period of one (1) year from the Termination Date, each party shall refrain from, and shall cause its officers, directors, affiliates, agents and other representatives to refrain from,
disparaging the other party and/or its respective officers, directors, shareholders, agents and other representatives. Except as contemplated by Sections 5 (Deconversion) and 6 (Consolidation) with
respect to notices to customers and regulators, from the Effective Date and for a period of five (5) years following the Termination Date, and except as otherwise required by law or the rules
of any securities exchange or banking regulator, neither party shall make any public announcement, press release or similar publicity with respect to this Agreement, any aspect of the past or present
relationship of the parties, or the transactions contemplated by this Agreement, except with the consent of the other party. 

9

 

        9.    Mutual Releases.    

        (a)   Upon
payment of the Initial Payment by STB to NTS, NTS shall execute and deliver the Initial Release in the form of Exhibit A attached hereto, which shall become
effective upon execution and delivery of a counterpart Initial Release by STB. 

        (b)   On
the Termination Date, provided that STB has paid to NTS the Completion Payment (if and to the extent required by Section 3 of this Agreement) and the net
amounts payable to NTS pursuant to Section 5(d)(iv)(assumption of deposit liabilities by NTS), and Section 5(d)(v)(sale of loans to NTS), as applicable, NTS shall execute and deliver the
Supplemental Release in the form of Exhibit B attached hereto, which shall become effective upon execution and delivery of a counterpart Supplemental Release by STB. 

        10.    [intentionally omitted]    

        11.    [intentionally omitted]    

        12.    NTS Events of Default.    

        (a)   The
occurrence of any one or more of the following events will constitute a default by NTS hereunder (hereinafter referred to as an "Event of Default"): (i) NTS
fails to perform in all material respects or materially breaches any covenant, agreement, representation or warranty in this Agreement and such breach is not cured within ten days after notice of such
breach from STB; or (ii) if any proceeding is instituted by or against NTS alleging that NTS is insolvent, unable to pay its debts as they
mature, or not generally paying its debts as such debts become due, or if any proceeding is initiated by or instituted against NTS under the Federal Bankruptcy Code or any successor statute, or which
seeks the appointment of a receiver or trustee for all or any portion of NTS' property or assets, or which affects the rights of creditors generally. 

        (b)   Upon
the occurrence of an Event of Default, (i) STB shall have the right to elect to pursue Consolidation in accordance with Section 6, regardless of
whether the conditions to Deconversion have been met or any efforts previously undertaken by the parties to accomplish a Deconversion, by giving NTS notice thereof within 30 days after the
occurrence of an Event of Default, and (ii) all other obligations of STB under this Transition Agreement and the Marketing Agreement, whether monetary or otherwise, shall automatically
terminate, and If STB so elects to pursue Consolidation after the occurrence of an Event of Default, then (i) NTS shall fulfill its obligations with respect thereto as provided in
Section 6; and (ii) NTS hereby constitutes and appoints STB as NTS' true and lawful attorney-in-fact, with full power of substitution, in NTS' name and stead, by,
on behalf of, and for the benefit of STB, to take any and all actions and to execute any and all agreements, instruments or documents which STB may deem necessary or appropriate to accomplish a
Consolidation following an Event of Default, including but not limited to providing notice to applicable regulators and to customers of the El Banco Branches. NTS hereby declares that the foregoing
powers are coupled with an interest and are and shall be irrevocable by NTS. 

        13.    [intentionally omitted]    

        14.    Miscellaneous.    

        (a)   Defined Terms.  All terms, parenthetical or otherwise, which are defined herein, shall be construed to apply
to and to have the same meaning when used in the Initial Release and/or the Supplemental Release provided for under this Transition Agreement. 

        (b)   Rights Not Exclusive.  No right or remedy of either party provided hereby shall be exclusive of any other
right or remedy. 

10

 

        (c)   Expenses.  Except as otherwise provided in this Agreement, each party shall bear its respective fees and
expenses incurred in connection with the preparation, negotiation, execution and performance of this Agreement. All transfer taxes, if any, shall be borne and paid by NTS, and NTS shall file all
necessary returns and other documentation with respect to such taxes. 

        (d)   Notices.  All notices, elections, consents, waivers and other communications required or permitted by this
Agreement shall be in writing and shall be deemed given to a party (a) on the date of delivery or refusal of delivery if delivered to the appropriate address by hand or by nationally recognized
overnight courier service (costs prepaid); (b) when sent by facsimile with confirmation of transmission by the transmitting equipment; or (c) on the date of receipt or refusal by the
addressee, if sent by certified mail, return receipt requested, in each case to the following addresses or facsimile numbers and marked to the attention of the person (by name or title) designated
below (or to such other address, facsimile number, or person as a party may designate by notice to the other parties): 

	If to NTS:

Nuestra Tarjeta de Servicios, Inc.

10485 Alpharetta Street

Roswell, GA 30375

Attention: Drew W. Edwards

Fax: (954) 212-6224	 	If to STB:

SunTrust Bank

Mail Code GA-Atlanta-0643

303 Peachtree Street, NE, Suite 3600

Atlanta, GA 30308

Attention: General Counsel

Fax: (404) 230-5387
	

With a copy to:

Nelson, Mullins, Riley & Scarborough, LLP

Poinsett Plaza, Suite 900

104 South Main St.

Greenville, SC 29601-2122

Attention: Neil E. Grayson, Esq.

Fax: (864) 250-2359	
 	

With a copy to:

SunTrust Bank

Mail Code GA-Atlanta-0617

303 Peachtree Street, NE, Suite 500

Atlanta, GA 30308

Attention: Richard Blumberg

Fax: (404) 214-8632

        (e)   Enforcement of Agreement.  Each of the parties acknowledges and agrees that a party would be irreparably
damaged if any of the provisions of this Agreement are not performed in accordance with
their specific terms and that any breach of this Agreement by a party could not be adequately compensated in all cases by monetary damages alone. Accordingly, in addition to any other right or remedy
to which a party may be entitled, at law or in equity, it shall be entitled to enforce any provision of this Agreement by a decree of specific performance and to temporary, preliminary and permanent
injunctive relief to prevent breaches or threatened breaches of any of the provisions of this Agreement, without posting any bond or other undertaking. 

        (f)    Waiver; Remedies Cumulative.  Except as set forth herein, the rights and remedies of the parties to this
Agreement are cumulative and not alternative. Neither any failure nor any delay by any party in exercising any right, power or privilege under this Agreement or any of the documents referred to in
this Agreement will operate as a waiver of such right, power or privilege, and no single or partial exercise of any such right, power or privilege will preclude any other or further exercise of such
right, power or privilege or the exercise of any other right, power or privilege. To the maximum extent permitted by applicable law, (a) no claim or right arising out of this Agreement or any
of the documents referred to in this Agreement can be discharged by one party, in whole or in part, by a waiver or renunciation of the claim or right unless in writing signed by the party entitled to
the claim or right; (b) no waiver that may be given by a party will be applicable except in the specific instance for which it is given; and (c) no notice to or demand on one party will
be deemed to be a waiver of any obligation of that party or of the right of the party 

11

 

giving
such notice or demand to take further action without notice or demand as provided in this Agreement or the documents referred to in this Agreement. 

        (g)   Entire Agreement and Modification.  This Agreement (together with the Releases, the Marketing Agreement (as
amended by this Agreement), the certificates of NTS' corporate secretary and NTS' president delivered to SunTrust pursuant to Section 2 and Section 5 of this Agreement, and any
instrument of transfer or assumption delivered in connection with this Agreement) supersedes all prior negotiations, correspondence, understandings, communications, and agreements, whether written or
oral, between the parties with respect to its subject matter and constitutes (along with the other documents delivered pursuant to this Agreement and the Marketing Agreement (as amended by this
Agreement)) a complete and exclusive statement of the terms of the agreement between the parties with respect to its subject matter. This Agreement may not be amended, supplemented, or otherwise
modified except by a written agreement executed by the party to be charged with the amendment. 

        (h)   Assignments, Successors and No Third-party Rights.  Neither party may assign its rights or delegate its
duties under this Agreement or the Marketing Agreement without the express written consent of the other party. This Transition Agreement shall be binding on and shall inure to the benefit of the
parties hereto and their and permitted successors and assigns. Nothing in this Transition Agreement is intended or shall be construed to grant any other person or entity not a party to this Transition
Agreement any right, remedy, or claim under or by reason of this Transition Agreement. 

        (i)    Severability.  If any provision of this Agreement is held invalid or unenforceable by any court or arbitrator
of competent jurisdiction, the other provisions of this Agreement will remain in full force and effect and may be enforced in accordance with the provisions hereof. Any provision of this Agreement
held invalid or unenforceable only in part or degree will remain in full force and effect to the extent not held invalid or unenforceable. 

        (j)    Alternative Dispute Resolution.  In the event of any controversy arising out of or relating to this Agreement
or any other document executed in connection with this Agreement or the transactions contemplated by this Agreement, or any breach thereof, the dispute shall be submitted to binding arbitration to be
conducted in Atlanta, Georgia. The rules of arbitration shall be the Commercial Arbitration Rules of the American Arbitration Association (the "Rules"), as modified by any other instructions that the
parties may agree upon at the time. If there is any conflict between those Rules and the provisions of this section, the provisions of this section shall prevail. The governing law for the arbitration
shall be the law of the State of Georgia without regard to its conflicts-of-laws principles that would require the application of the law of any other State. The arbitrators
shall be bound by and shall strictly enforce the terms of this Agreement and may not limit, expand or otherwise modify its terms. The arbitrators shall be bound to honor claims of privilege or
work-product doctrine recognized at law, but the arbitrators shall have the discretion to determine whether any such claim of privilege or work product doctrine applies. Such arbitration
shall be initiated by any party by notifying the other party in writing and filing a demand with the American Arbitration Association. The arbitration shall be heard by a panel of three
(3) arbitrators selected in accordance with the Rules, unless the parties agree otherwise. The party requesting the arbitration shall promptly notify the arbitrators in writing of their
selection, who shall then hold a hearing(s) as required by the Rules. Reasonable discovery, including depositions, shall be permitted. Discovery issues shall be decided by the arbitrators.
Post-hearing briefs shall be permitted. The arbitrators shall render a decision after the conclusion of the hearing(s) in accordance with the Rules. Judgment upon the award rendered by the
arbitrators may be entered in any court having jurisdiction thereof. All costs of arbitration, including fees for such arbitrators, will be divided equally between the parties, except that attorney
fees shall be allocated by the arbitrators as set forth in Section 14(n) below. 

12

 

        (k)   Interpretation and Construction.  Time is of the essence of this Agreement. This Agreement will be governed
by and construed under the laws of the State of Georgia without regard to its conflicts-of-laws principles that would require the application of the law of any other State.
This Agreement was negotiated by the parties with the benefit of legal representation, and any rule of construction or interpretation otherwise requiring this Agreement to be construed or interpreted
against any party shall not apply to any construction or interpretation hereof. 

        (l)    Jurisdiction; Service of Process.  Any claim, suit or other proceeding, arising out of or relating to this
Agreement or any transaction contemplated by this Agreement, not required by Section 14(j) to be arbitrated, may be brought in the courts in and for Fulton County, Georgia or, if it has or can
acquire jurisdiction, in the United States District Court for the Northern District of Georgia, and each of the parties irrevocably submits to the non-exclusive jurisdiction of each such
court in any
such proceeding, waives any objection it may now or hereafter have to venue or to convenience of forum, and agrees that all claims in respect of the proceeding may be heard and determined in any such
court. The parties agree that either or both of them may file a copy of this paragraph with any court as written evidence of the knowing, voluntary and bargained-for agreement
between the parties irrevocably to waive any objections to venue or to convenience of forum. Process in any proceeding referred to in the first sentence of this section may be served on any party
anywhere in the world. 

        (m)  Execution of Agreement.  This Agreement may be executed in one or more counterparts, each of which will be
deemed to be an original copy of this Agreement and all of which, when taken together, will be deemed to constitute one and the same agreement. The exchange of copies of this Agreement and of
signature pages by facsimile transmission shall constitute effective execution and delivery of this Agreement as to the parties and may be used in lieu of the original Agreement for all purposes.
Signatures of the parties transmitted by facsimile shall be deemed to be their original signatures for all purposes. 

        (n)   Attorney Fees.  If any action, at law or in equity, or arbitration or mediation, including an action for
declaratory relief, is brought to enforce or interpret this contract, the prevailing party shall be entitled to recover reasonable attorneys' fees from the party not prevailing, including fees at any
arbitration, trial, or appellate proceeding, in addition to any other relief that may be awarded or obtained. 

        (o)   Definitions.

	(i)
	"NBG"
means the National Bank of Gainesville, N.A.

	(ii)
	"Consolidation"
means the retention by STB of the Customer Deposit Accounts and the Customer Loan Accounts, and the transition of customers from El Banco Branches to
STB branches, pursuant to Section 6 of this Agreement, notwithstanding Section 7.4 of the Marketing Agreement.

	(iii)
	"Customer
Deposit Accounts" shall mean all rights, duties, obligations and liabilities relating to the deposits of customers of the El Banco Branches (including
accrued but unpaid or uncredited interest thereon and uncollected funds related thereto) and that constitute "deposits" for purposes of the Federal Deposit Insurance Act, 12 U.S.C.
Section 1813.

	(iv)
	"Customer
Loan Accounts" shall mean shall mean, collectively, all rights, duties, obligations and liabilities relating to loans and other extensions of credit to
customers of or otherwise in connection with the operation of the El Banco Branches, including residential mortgage loans, commercial loans, and commercial real estate loans originated at the El Banco
Branches or purchased by the El Banco Branches. 

13

 

	(v)
	"Deconversion"
means either Electronic Deconversion or Manual Deconversion.

	(vi)
	"El
Banco Branches" shall have the meaning given such term in the Marketing Agreement, but shall include the NTS call center.

	(vii)
	"Electronic
Deconversion" means the purchase of the Customer Deposit Accounts and the Customer Loan Accounts pursuant to Section 5 of this Agreement,
notwithstanding Section 7.4 of the Marketing Agreement, by which all Customer Deposit Accounts and (consistent with the time periods in Section 5(f)(v) and NTS' option to
purchase) Customer Loan Accounts are removed from STB's data processing systems in an automated fashion pursuant to STB'S existing processes and procedures.

	(viii)
	"Manual
Deconversion" means the purchase of the Customer Deposit Accounts and the Customer Loan Accounts pursuant to Section 5(g) of this Agreement,
notwithstanding Section 7.4 of the Marketing Agreement, by which all Customer Deposit Accounts and (consistent with the time periods in Section 5(f)(v) and NTS' option to
purchase) Customer Loan Accounts are removed from STB's data processing systems in an manually and not through an automated manner requiring the significant time and resources of STB.

	(ix)
	"Releases"
means either or both of the Initial Release and the Supplemental Release.

	(x)
	"Termination
Date" means the earlier of (x) NTS' satisfaction of the Completion Payment Conditions and (y) 4:00 p.m. Atlanta time on Friday,
July 15, 2007.

	(xi)
	"weekend"
for the purpose of this Agreement shall mean Friday, beginning at 4:00 p.m. Atlanta time, together with Saturday and Sunday. 

(signatures
begin on following page) 

14

 

        IN
WITNESS WHEREOF, the parties have executed this Transition Agreement as of the date and the year first above written. 

	SUNTRUST BANK	 	 
	By:	 	/s/  RAYMOND D. FORTIN      
	 	 
	Title:	 	Executive Vice President
	 	 
	Date:	 	June 14, 2006
	 	 
	

Sworn to and Subscribed before me

on this 14th day of June, 2006.	
 	

 

Notary
Public         /s/
X                                        

My
commission expires:         May 24, 2010         

       

	NUESTRA TARJETA DE SERVICIOS, INC.	 	 
	By:	 	/s/  DREW W. EDWARDS      
	 	 
	Title:	 	Chief Executive Officer
	 	 
	Date:	 	June 14, 2006
	 	 
	

Sworn to and Subscribed before me

on this 14th day of June, 2006.	
 	

 

       

Notary
Public         /s/
X                                        

My
commission expires:         March 3, 2009         

15

QuickLinks

TRANSITION AGREEMENT

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