EXHIBIT 10.2 Stock Option Assumption Agreement Dear Optionee: As you know, on October 31, 2008 (the "Closing Date"), State of Franklin Bancshares, Inc. ("State of Franklin"), a Tennessee corporation, will merge with and into Jefferson Bancshares, Inc....Stock Option Assumption Agreement • October 31st, 2008 • Jefferson Bancshares Inc • Savings institution, federally chartered
