1ST FRANKLIN FINANCIAL CORPORATION AND U.S. BANK NATIONAL ASSOCIATION, Trustee FORM OF INDENTURE1st FRANKLIN FINANCIAL CORP • July 1st, 2011 • Personal credit institutions • Georgia
INDENTURE dated as of April 3, 2008, between 1st FRANKLIN FINANCIAL CORPORATION, a Georgia corporation (the “Company”), and U.S. BANK NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States of America (the “Trustee”).
OVERDRAFT PROTECTION AGREEMENT SECURITY AGREEMENT AND ASSIGNMENTOverdraft Protection Agreement • July 1st, 2011 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
has with 1st Franklin Financial Corporation. In this Agreement, the individual(s) named above will be referred to as “you” and “your”. 1st Franklin Financial Corporation will be referred to as “we”, “our” and “us”.
SENIOR DEMAND NOTE CHECK REDEMPTION AGREEMENTSenior Demand Note Check Redemption Agreement • July 1st, 2011 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
Customer Agreement: I hereby elect to use the checking redemption option of the Senior Demand Note (the “Note”) issued by 1st Franklin Financial Corporation (the “Company”). I understand that to utilize the checking redemption option and the other services provided hereby, I must maintain a “Minimum Investment Balance” with the Company of $500 and be bound by the terms of the Agreement. I have read the terms and provisions of the Note and understand that the Note is not a deposit and is not insured by any Federal or state agency. Additionally, I have read the following provisions of this Agreement and as evidenced by my signature below, I agree thereto.
Contract1st FRANKLIN FINANCIAL CORP • July 1st, 2011 • Personal credit institutions
SENIOR DEMAND NOTE No. _____________ TOCCOA, GEORGIA___________________ On Demand, for value received, 1st FRANKLIN FINANCIAL CORPORATION (the “Company) promises to pay ___________________________________________________________________________________ ___________________________________________________________________________________ at the home office of 1st Franklin Financial Corporation, 135 East Tugalo Street, Toccoa, Georgia, the principal amount of this Senior Demand Note (a “Note”), as represented from time to time on the books and records of 1st Franklin Financial Corporation, and to pay interest thereon at the applicable rate, compounded daily. 1. General: The Notes are issued under the laws of the State of Georgia. The Notes are senior, unsercured obligations of the Company and will be issued under an Indenture (the “Indenture”) between the Company and U.S. Bank National Association, as trustee, dated as of April 3, 2008. The terms of the Notes include those stated in th
