BACKGROUNDCredit and Term Loan Agreement • February 12th, 2001 • First Franklin Financial Corp • Personal credit institutions
May 27, 1998 CoreStates Bank Mr. Roger Guimond, Vice President and CFO 1st Franklin Financial Corporation 213 E. Tugalo Street P.O. Box 880 Toccoa, GA 30577 Re: Eleventh Amendment of Section 6.14 of Revolving Credit and Term Loan Agreement Dear Roger:...First Franklin Financial Corp • March 30th, 1999 • Personal credit institutions
AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT By and among 1ST FRANKLIN FINANCIAL CORPORATION as Borrower WELLS FARGO BANK, N.A. as Agent FIRST HORIZON BANK as Syndication Agent Each of the financial institutions now or hereafter a party hereto as...Loan and Security Agreement • November 22nd, 2019 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions • New York
This AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT is made as of the 19th day of November, 2019 by and among 1ST FRANKLIN FINANCIAL CORPORATION, a Georgia corporation, and such other Persons joined hereto from time to time as borrowers pursuant to written agreement by the parties hereto (collectively, the “Borrowers” and each individually is referred to as a “Borrower”), WELLS FARGO BANK, N.A., as agent for Lenders (“Agent”), and the financial institutions from time to time party hereto (collectively, the “Lenders” and each individually is referred to as a “Lender”).
CREDIT AGREEMENT Dated as of December 15, 2006 by and among 1ST FRANKLIN FINANCIAL CORPORATION,Credit Agreement • December 21st, 2006 • First Franklin Financial Corp • Personal credit institutions • Georgia
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”).
THIRD AMENDMENT TO LOAN AND SECURITY AGREEMENTLoan and Security Agreement • September 21st, 2011 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Third Amendment to Loan and Security Agreement (“Amendment”) is dated as of September 20, 2011 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO PREFERRED CAPITAL, INC., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
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”.
January 23, 1998 CoreStates Bank Mr. Roger Guimond, Vice President and CFO 1st Franklin Financial Corporation 213 E. Tugalo Street P.O. Box 880 Toccoa, GA 30577 Re: Tenth Amendment of Section 6.14 of Revolving Credit and Term Loan Agreement...First Franklin Financial Corp • March 6th, 1998 • Personal credit institutions
SECOND AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENTLoan and Security Agreement • March 30th, 2021 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Second Amendment to Amended and Restated Loan and Security Agreement (“Amendment”) is dated as of March 25, 2021 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO BANK, N.A., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
SECOND AMENDMENT TO LOAN AND SECURITY AGREEMENTLoan and Security Agreement • August 12th, 2010 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions • New York
This Second Amendment to Loan and Security Agreement (“Amendment”) is dated as of August 11, 2010 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO PREFERRED CAPITAL, INC., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
SIXTH AMENDMENT TO LOAN AND SECURITY AGREEMENTLoan and Security Agreement • September 21st, 2015 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Sixth Amendment to Loan and Security Agreement (“Amendment”) is dated as of September 21, 2015 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO BANK, N.A., successor by merger to Wells Fargo Preferred Capital, Inc., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
FIRST AMENDMENT TO LOAN AGREEMENT AND LINE OF CREDIT PROMISSORY NOTELoan Agreement • November 15th, 2002 • First Franklin Financial Corp • Personal credit institutions
THIS FIRST AMENDMENT TO LOAN AGREEMENT AND LINE OF CREDIT PROMISSORY NOTE (this "Amendment") is made and this 25th day of September, 2002, by and between 1ST FRANKLIN FINANCIAL CORPORATION, a Georgia corporation, ("Borrower"), and SOUTHTRUST BANK, an Alabama banking corporation, having its principal office in Birmingham, Alabama ("Lender").
THIRD MODIFICATION OF INDENTUREModification of Indenture • July 27th, 2006 • First Franklin Financial Corp • Personal credit institutions
This Third Modification of Indenture, dated March 27, 2006, by and among Synovus Trust Company, N.A., a trust company organized under the laws of the state of Georgia (the “Trustee”), whose corporate trust offices are located in Columbus, Georgia; and 1st Franklin Financial Corporation, a Georgia corporation (the “Company”);
TRI-PARTY AGREEMENTTri-Party Agreement • March 30th, 2010 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This TRI-PARTY AGREEMENT (this “Instrument”), dated as of March 26, 2010, by and among 1ST FRANKLIN FINANCIAL CORPORATION, a Georgia corporation (the “Company”), SYNOVUS TRUST COMPANY, N.A., a national banking association duly organized and existing under the laws of the United States of America (the “Resigning Trustee”) and U. S. BANK NATIONAL ASSOCIATION, a national banking association duly organized and existing under the laws of the United States of America (the “Successor Trustee”).
NINTH AMENDMENT TO LOAN AND SECURITY AGREEMENTLoan and Security Agreement • June 5th, 2019 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Ninth Amendment to Loan and Security Agreement (“Amendment”) is dated as of May 31, 2019 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO BANK, N.A., successor by merger to Wells Fargo Preferred Capital, Inc., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
LOAN DOCUMENTS MODIFICATION AGREEMENT (September 23, 2005)Loan Documents Modification Agreement • November 9th, 2005 • First Franklin Financial Corp • Personal credit institutions
THIS LOAN DOCUMENTS MODIFICATION AGREEMENT (hereinafter referred to as this "Amendment") is made and entered into as of the 23rd day of September, 2005, by and among 1st FRANKLIN FINANCIAL CORPORATION, a Georgia corporation (hereinafter referred to as "Borrower"), WACHOVIA BANK, NATIONAL ASSOCIATION, a national banking association, successor by merger to SouthTrust Bank, an Alabama banking corporation (hereinafter referred to as "Lender"), and FRANKLIN SECURITIES, INC., a Georgia corporation (hereinafter referred to as "Guarantor").
FORM OF SENIOR DEMAND NOTE SENIOR DEMAND NOTE No. ____________ Toccoa, Georgia _____________,____ On Demand, for value received, 1st FRANKLIN FINANCIAL CORPORATION promises to pay ______________________________________ at the home office of 1st...First Franklin Financial Corp • December 26th, 2007 • Personal credit institutions
THIS SECURITY IS NOT A BANK DEPOSIT OR SIMILAR OBLIGATION AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR THE SECURITIES INVESTOR PROTECTION CORPORATION OR ANY OTHER FEDERAL OR STATE AGENCY.
SECOND MODIFICATION OF INDENTUREIndenture • July 14th, 2005 • First Franklin Financial Corp • Personal credit institutions
This Second Modification of Indenture, dated December 2, 2004, by and among Synovus Trust Company, N.A., a trust company organized under the laws of the state of Georgia (the “Trustee”), whose corporate trust offices are located in Columbus, Georgia; and 1st Franklin Financial Corporation, a Georgia corporation (the “Company”);
FIFTH AMENDMENT TO LOAN AND SECURITY AGREEMENTLoan and Security Agreement • November 13th, 2014 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Fifth Amendment to Loan and Security Agreement (“Amendment”) is dated as of November 13, 2014 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO BANK, N.A., successor by merger to Wells Fargo Preferred Capital, Inc., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
THIRD AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENTLoan and Security Agreement • November 19th, 2021 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Third Amendment to Amended and Restated Loan and Security Agreement (“Amendment”) is dated as of November 17, 2021 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO BANK, N.A., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
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.
LOAN DOCUMENTS MODIFICATION AGREEMENT (September 25, 2003)Loan Documents Modification Agreement • November 14th, 2003 • First Franklin Financial Corp • Personal credit institutions
THIS LOAN DOCUMENTS MODIFICATION AGREEMENT (hereinafter referred to as this "Amendment") is made and entered into as of the 25th day of September, 2003, by and among 1st FRANKLIN FINANCIAL CORPORATION, a Georgia corporation (hereinafter referred to as "Borrower"), SOUTHTRUST BANK, an Alabama banking corporation (hereinafter referred to as "Lender"), and FRANKLIN SECURITIES, INC., a Georgia corporation (hereinafter referred to as "Guarantor").
LOAN AGREEMENTLoan Agreement • November 14th, 2001 • First Franklin Financial Corp • Personal credit institutions • Georgia
THIS AGREEMENT made this 25th day of September, 2001, by and between 1ST FRANKLIN FINANCIAL CORPORATION, a Georgia corporation (the "Borrower"), and SOUTHTRUST BANK, an Alabama banking corporation, having its principal office in Birmingham, Alabama (the "Bank").
FOURTH MODIFICATION OF INDENTUREFourth Modification of Indenture • March 30th, 2010 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Fourth Modification of Indenture (this “Agreement”), dated March 26, 2010, by and among U.S. Bank National Association, a national banking association organized and existing under the laws of the United States of America (the “Trustee”) and 1st Franklin Financial Corporation, a Georgia corporation (the “Company”);
EIGHTH AMENDMENT TO LOAN AND SECURITY AGREEMENTLoan and Security Agreement • December 28th, 2018 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Eighth Amendment to Loan and Security Agreement (“Amendment”) is dated as of December 28, 2018 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO BANK, N.A., successor by merger to Wells Fargo Preferred Capital, Inc., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
FIRST AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENTLoan and Security Agreement • August 19th, 2020 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This First Amendment to Amended and Restated Loan and Security Agreement (“Amendment”) is dated as of August 17, 2020 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO BANK, N.A., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
LOAN DOCUMENTS MODIFICATION AGREEMENT (September 24, 2004)Loan Documents Modification Agreement • November 15th, 2004 • First Franklin Financial Corp • Personal credit institutions
THIS LOAN DOCUMENTS MODIFICATION AGREEMENT (hereinafter referred to as this "Amendment") is made and entered into as of the 24th day of September, 2004, by and among 1st FRANKLIN FINANCIAL CORPORATION, a Georgia corporation (hereinafter referred to as "Borrower"), SOUTHTRUST BANK, an Alabama banking corporation (hereinafter referred to as "Lender"), and FRANKLIN SECURITIES, INC., a Georgia corporation (hereinafter referred to as "Guarantor").
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
FOURTH AMENDMENT TO LOAN AND SECURITY AGREEMENTLoan and Security Agreement • September 10th, 2013 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Fourth Amendment to Loan and Security Agreement (“Amendment”) is dated as of September 4, 2013 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO BANK, N.A., successor by merger to Wells Fargo Preferred Capital, Inc., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
Contract1st FRANKLIN FINANCIAL CORP • June 7th, 2011 • Personal credit institutions
SENIOR DEMAND NOTE No. _____________ TOCCOA, GEORGIA___________________ On Demand, for value received, 1st FRANKLIN FINANCIAL CORPORATION promises to pay ___________________________________________________________________________________ ___________________________________________________________________________________ at the home office of 1st Franklin Financial Corporation, 135 East Tugalo Street, Toccoa, Georgia, the principal amount of this 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. 1st Franklin Financial Corporation can call this Note for redemption at any time without penalty. This Note is nonnegotiable and is transferable only on the books of 1st Franklin Financial Corporation. by:_____________________________________ by:______________________________________ Chairman and Chief Executive Officer Assistant Treasurer THESE SECURITIES HAVE NOT BEEN
SEVENTH AMENDMENT TO LOAN AND SECURITY AGREEMENTLoan and Security Agreement • March 31st, 2017 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Seventh Amendment to Loan and Security Agreement (“Amendment”) is dated as of March 29, 2017 by and among 1ST FRANKLIN FINANCIAL CORPORATION (“Borrower”), WELLS FARGO BANK, N.A., successor by merger to Wells Fargo Preferred Capital, Inc., as agent for Lenders (in such capacity, “Agent”) and the financial institutions a party hereto as lenders (collectively, the “Lenders” and each is a “Lender”).
THIRD MODIFICATION OF INDENTUREThird Modification of Indenture • March 30th, 2010 • 1st FRANKLIN FINANCIAL CORP • Personal credit institutions
This Third Modification of Indenture, dated March 27, 2006, by and among Synovus Trust Company, N.A., a trust company organized under the laws of the state of Georgia (the “Trustee”), whose corporate trust offices are located in Columbus, Georgia; and 1st Franklin Financial Corporation, a Georgia corporation (the “Company”);
