CNB Holdings Inc /Ga/ Sample Contracts

AND STATE STREET BANK AND TRUST COMPANY OF CONNECTICUT, NATIONAL ASSOCIATION
CNB Holdings Inc /Ga/ • August 11th, 2004 • National commercial banks • Georgia
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SECTION I AMENDMENT OF SECTION 2
Employment Agreement • November 12th, 2003 • CNB Holdings Inc /Ga/ • National commercial banks
ARTICLE I DEFINITIONS
Supplemental Indenture • August 11th, 2004 • CNB Holdings Inc /Ga/ • National commercial banks • Georgia
May 22, 1998 Draft CNB HOLDINGS, INC. 900,000 COMMON SHARES UNDERWRITING AGREEMENT
CNB Holdings Inc /Ga/ • May 27th, 1998 • National commercial banks • Tennessee
SECTION I AMENDMENT OF SECTION 2
Employment Agreement • November 12th, 2003 • CNB Holdings Inc /Ga/ • National commercial banks
ARTICLE I DEFINED TERM
CNB Holdings Inc /Ga/ • May 27th, 1998 • National commercial banks • Georgia
SECTION I AMENDMENT OF SECTION 2
Employment Agreement • November 12th, 2003 • CNB Holdings Inc /Ga/ • National commercial banks
PLAN AGREEMENT
Plan Agreement • April 15th, 2005 • First Capital Bancorp, Inc. • State commercial banks • Georgia
LIFE INSURANCE
First Capital Bancorp, Inc. • April 15th, 2005 • State commercial banks • Georgia
CNB HOLDINGS, INC. AMENDMENT TO NONQUALIFIED OPTION FOR COMMON STOCK AGREEMENT ($1.00 PAR VALUE)
Nonqualified Stock Option Agreement • April 15th, 2005 • First Capital Bancorp, Inc. • State commercial banks
EMPLOYMENT AGREEMENT
Employment Agreement • May 15th, 2003 • CNB Holdings Inc /Ga/ • National commercial banks • Georgia

THIS EMPLOYMENT AGREEMENT (“Agreement”) made and entered into as of January 2nd, 2003 by and between Danny F. Dukes, a resident of the State of Georgia (“Employee”) and CNB Holdings, Inc., a Georgia bank holding company and Chattahoochee National Bank, CNB Holdings’ wholly owned subsidiary (collectively “CNB”).

AGREEMENT AND PLAN OF MERGER
Agreement and Plan of Merger • June 2nd, 2005 • First Capital Bancorp, Inc. • State commercial banks • Georgia

THIS AGREEMENT AND PLAN OF MERGER (this “Agreement”) is made and entered into as of May 26, 2005, by and between First Capital Bancorp, Inc. (“FCB”), a corporation organized and existing under the laws of the State of Georgia, with its principal office located in Norcross, Georgia, and Flag Financial Corporation (“Flag”), a corporation organized and existing under the laws of the State of Georgia, with its principal office located in Atlanta, Georgia.

TO EXECUTIVE SUPPLEMENTAL RETIREMENT PLAN EXECUTIVE AGREEMENT
Executive Supplemental Retirement Plan • November 10th, 2005 • First Capital Bancorp, Inc. • State commercial banks

THIS 2005 AMENDMENT (the “2005 Amendment”) is made and entered into on the 14th day of June, 2005, effective as of May 1, 2004 (the “Effective Date”) by and between FIRST CAPITAL BANK (the “Bank”), a state-chartered commercial bank located in Norcross and the successor-in-interest to Chattahoochee National Bank, and STEVEN G. DEATON., an employee of the Bank and resident of the State of Georgia (the “Executive”).

CHATTAHOOCHEE NATIONAL BANK
Lease Agreement • May 15th, 2003 • CNB Holdings Inc /Ga/ • National commercial banks

This Lease Agreement, made this 29th day of October, 1999, by and between DUKE-WEEKS REALTY LIMITED PARTNERSHIP, an Indiana limited partnership, hereinafter referred to as “Landlord”, and CHATTAHOOCHEE NATIONAL BANK, hereinafter referred to as “Tenant”;

January 2, 2003 Steven G. Deaton Executive Vice President Chattahoochee National Bank
CNB Holdings Inc /Ga/ • May 15th, 2003 • National commercial banks
SHOPPING CENTER FORM LEASE
Center Form Lease • May 15th, 2003 • CNB Holdings Inc /Ga/ • National commercial banks • Georgia

THIS LEASE, is made and entered into as of this 24th day of March, 1998, between W. B. WIGGINS, JR., whose address is 3495 Piedmont Road, Building 11, Suite 400, Atlanta, Georgia 30305 (hereinafter referred to as “Landlord”), and CNB Holdings, Inc. d/b/a CHATTAHOOCHEE NATIONAL BANK whose address is 7855 North Point Parkway, Suite 200, Alpharetta, Georgia 30022-4849 (hereinafter referred to as “Tenant”).

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FORM OF CNB HOLDINGS, INC. SUBSCRIPTION AGREEMENT FOR RECORD DATE SECURITY HOLDERS OF CNB HOLDINGS, INC. AND FIRST CAPITAL BANCORP, INC.
Subscription Agreement • January 12th, 2004 • CNB Holdings Inc /Ga/ • National commercial banks • Georgia

You have informed the undersigned that CNB Holdings, Inc., a Georgia corporation (the “Company”), is offering a minimum of 750,000 shares and a maximum of 1,000,000 shares of its common stock, par value $1.00 per share (the “Shares”), at a price of $12.00 per share. As described in the Company’s Prospectus, dated , 2004 (the “Prospectus”), each holder of securities of the Company or securities of First Capital Bancorp, Inc., a Georgia corporation (“First Capital), including holders of outstanding shares of common stock, outstanding options to acquire shares of common stock, and debentures convertible into shares of common stock, as of a record date of , 2004, is entitled to purchase one Share for every 4.113 shares of Company’s common stock (on a fully diluted basis) that such security holder is expected to own following the merger of First Capital with and into the Company, as described in the Prospectus (the “Merger”). You have informed the undersigned that this right to subscribe fo

January 2, 2003
CNB Holdings Inc /Ga/ • May 15th, 2003 • National commercial banks
AMENDMENT TO EMPLOYMENT AGREEMENT
Employment Agreement • May 15th, 2003 • CNB Holdings Inc /Ga/ • National commercial banks

THIS AMENDMENT, dated as of April 30, 2001 (this “Amendment”), to that certain Employment Agreement, dated as of November 1, 1997 (the “Agreement”) by and among CNB Holdings Inc., a Georgia bank holding company and its wholly-owned subsidiary, Chattahoochee National Bank (collectively, “CNB”), and H.N. Padget, Jr. (“Employee”), a resident of the State of Georgia.

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