0001003297-14-000500 Sample Contracts

LOAN AGREEMENT
Loan Agreement • October 1st, 2014 • First Citizens Bancshares Inc /Tn/ • State commercial banks • Tennessee

THIS LOAN AGREEMENT (as amended, restated or supplemented or otherwise modified from time to time, hereinafter called the “Agreement”) made and entered into this 1st day of October, 2014, (“Effective Date”) by and between FIRST CITIZENS BANCSHARES, INC., a Tennessee corporation, (hereinafter called “Borrower”) and FIRST TENNESSEE BANK NATIONAL ASSOCIATION, a national banking association having its principal office located in Memphis, Tennessee (“Lender”).

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PLEDGE AND SECURITY AGREEMENT
Pledge and Security Agreement • October 1st, 2014 • First Citizens Bancshares Inc /Tn/ • State commercial banks • Tennessee

THIS PLEDGE AND SECURITY AGREEMENT (“Agreement”), dated October 1, 2014, by and between FIRST CITIZENS BANCSHARES, INC., a Tennessee corporation (“Pledgor”) and FIRST TENNESSEE BANK NATIONAL ASSOCIATION, having an office and place of business in Memphis, Tennessee (“Lender”);

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