| 2025-08-20 | 8-K | 10.2 | Form of Registration Rights Agreement, dated as of August 20, 2025, by and among SmartFinancial, Inc. and the Purchasers. |
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| 2025-08-20 | 8-K | 10.1 | Form of Subordinated Note Purchase Agreement, dated as of August 20, 2025, by and among SmartFinancial, Inc. and the Purchasers. |
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| 2025-08-11 | 10-Q | 10.5 | Form of Non-Employee Director Restricted Stock Award Certificate |
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| 2025-08-11 | 10-Q | 10.4 | Form of Employee Restricted Stock Award Certificate |
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| 2025-05-01 | 8-K | 10.2 | The Amended and Restated Revolving Note, dated as of May 1, 2025, by and between SmartFinancial, Inc., as Borrower, and ServisFirst Bank, as Lender.* |
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| 2025-05-01 | 8-K | 10.1 | The Third Amendment to Loan and Security Agreement, dated as of May 1, 2025, by and between SmartFinancial, Inc., as Borrower, and ServisFirst Bank, as Lender.* |
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| 2025-01-24 | 8-K | 10.1 | Extension Letter, dated as of January 21, 2025, by and between SmartFinancial, Inc., as Borrower, and ServisFirst Bank, as Lender.* |
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| 2023-11-09 | 10-Q | 10.1 | Separation Agreement, dated as of September 27, 2023, by SmartFinancial, Inc., SmartBank, and Gregory L. Davis |
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| 2023-02-06 | 8-K | 10.2 | The Amended and Restated Revolving Note, dated as of February 1, 2023, by and between SmartFinancial, Inc., as Borrower, and ServisFirst Bank, as Lender.* |
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| 2023-02-06 | 8-K | 10.1 | The Second Amendment to Loan and Security Agreement, dated as of February 1, 2023, by and between SmartFinancial, Inc., as Borrower, and ServisFirst Bank, as Lender.* |
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| 2021-09-28 | 8-K | 10.1 | The First Amendment to Loan and Security Agreement, dated as of September 23, 2021, by and between SmartFinancial, Inc., as Borrower, and ServisFirst Bank, as Lender.* |
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| 2020-05-11 | 10-Q | 10.7 | Form of Performance-Based Restricted Stock Award Agreement* |
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| 2020-04-03 | 8-K | 10.3 | Pledge Agreement, dated as of March 31, 2020, by and between SmartFinancial, Inc., as Borrower, and ServisFirst Bank, as Lender. |
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| 2020-04-03 | 8-K | 10.2 | Revolving Note, dated as of March 31, 2020, by and between SmartFinancial, Inc., as Borrower, and ServisFirst Bank, as Lender. |
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| 2020-04-03 | 8-K | 10.1 | Loan and Security Agreement, dated as of March 31, 2020, by and between SmartFinancial, Inc., as Borrower, and ServisFirst Bank, as Lender. |
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| 2020-03-11 | 8-K | 10.3 | Employment Agreement with Ronald J. Gorczynski, dated as of March 9, 2020. |
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| 2020-03-11 | 8-K | 10.2 | Employment Agreement with William Y. Carroll, Jr., dated as of March 9, 2020. |
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| 2020-03-11 | 8-K | 10.1 | Executive Change in Control Agreement with W. Miller Welborn, dated as of March 9, 2020. |
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| 2019-05-06 | 8-K | 10.1 | EXECUTIVE SEVERANCE AGREEMENT AND RELEASE OF CLAIMS |
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| 2019-01-16 | 8-K | 10.2 | Employment Agreement, dated January 15, 2019, by and among SmartFinancial, Inc., SmartBank, and Ryan M. Scaggs |
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| 2019-01-16 | 8-K | 10.1 | Employment Agreement, dated January 15, 2019, by and among SmartFinancial, Inc., SmartBank, and David A. Bright |
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| 2018-10-01 | 8-K | 10.1 | Form of Subordinated Note Purchase Agreement dated September 28, 2018, by and between SmartFinancial, Inc. and each Purchaser |
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| 2018-03-16 | 10-K | 10.22 | Employment Agreement, dated as of February 1, 2015, by and among Greg L. Davis and SmartBank |
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| 2018-03-16 | 10-K | 10.21 | Employment Agreement, dated as of February 1, 2015, by and among Rhett Jordan, SmartFinancial, Inc. and SmartBank |
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| 2017-11-07 | 8-K | 10.4 | Salary Continuation Agreement, dated August 11, 2010, by and between Capstone Bank and Robert W. Kuhn |
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| 2017-11-07 | 8-K | 10.3 | Form of Capstone Bancshares, Inc. Stock Option Agreement |
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| 2017-11-07 | 8-K | 10.2 | Capstone Bancshares, Inc. 2008 Long-Term Equity Incentive Plan |
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| 2017-11-07 | 8-K | 10.1 | Employment Agreement, dated as of May 22, 2017, by and between SmartBank and Robert Kuhn |
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| 2017-08-08 | 8-K | 10.2 | Form of Restricted Stock Award Agreement |
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| 2017-08-08 | 8-K | 10.1 | Form of Stock Appreciation Rights Agreement |
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| 2016-03-30 | 10-K | 10.22 | Form of Incentive Agreement under 2002 Long-Term Incentive Plan |
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| 2016-03-30 | 10-K | 10.2 | Form of 2015 Stock Incentive Agreement |
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| 2016-03-02 | 8-K | 10.3 | First Amendment to Employment Agreement, dated as of February 27, 2016, by and between SmartBank and Robert B. Watson. |
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| 2016-03-02 | 8-K | 10.2 | First Amendment to Employment Agreement, dated as of February 27, 2016, by and between SmartBank and Felicia F. Barbee. |
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| 2016-03-02 | 8-K | 10.1 | Employment Agreement, dated as of December 5, 2014, by and between Felicia F. Barbee and Cornerstone Community Bank. |
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| 2015-12-09 | 8-K | 10.4 | Employment Agreement by and between John H. Coxwell, Sr., Cornerstone Bancshares, Inc. and Cornerstone Community Bank dated December 5, 2014. |
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| 2015-12-09 | 8-K | 10.3 | First Amendment to Employment Agreement by and between John H. Coxwell, Sr., SmartFinancial, Inc. and Cornerstone Community Bank dated December 8, 2015. |
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| 2015-12-09 | 8-K | 10.2 | First Amendment to Employment Agreement by and between Gary W. Petty, Jr., SmartFinancial, Inc. and Cornerstone Community Bank dated December 8, 2015. |
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| 2015-12-09 | 8-K | 10.1 | First Amendment to Employment Agreement by and between James R. Vercoe, Jr. and Cornerstone Community Bank dated December 8, 2015. |
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| 2015-09-02 | 8-K | 10.8 | Form of SmartBank Management Incentive Stock Option Agreement |
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| 2015-09-02 | 8-K | 10.7 | Form of SmartFinancial Management Incentive Stock Option Agreement |
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| 2015-09-02 | 8-K | 10.6 | SmartFinancial, Inc. 2010 Incentive Plan |
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| 2015-09-02 | 8-K | 10.5 | SmartBank Stock Option Plan |
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| 2015-09-02 | 8-K | 10.4 | Employment Agreement, dated as of February 1, 2015, by and among C. Bryan Johnson, SmartFinancial, Inc. and SmartBank |
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| 2015-09-02 | 8-K | 10.3 | Employment Agreement, dated as of February 1, 2015, by and among William Y. Carroll, Sr., SmartFinancial, Inc. and SmartBank |
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| 2015-09-02 | 8-K | 10.2 | Employment Agreement, dated as of February 1, 2015, by and among William Y. Carroll, Jr., SmartFinancial, Inc. and SmartBank |
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| 2015-09-02 | 8-K | 10.1 | Assignment and Assumption Agreement by and between Cornerstone Bancshares, Inc. and SmartFinancial, Inc., dated August 31, 2015, with respect to that certain Securities Purchase Agreement, dated as of August 4, 2011, by and between The United States Secretary of the Treasury and SmartFinancial, Inc. |
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| 2015-08-20 | 8-K | 10.2 | Form of Registration Rights Agreement |
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| 2015-08-20 | 8-K | 10.1 | Form of Subscription Agreement |
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| 2014-12-10 | 8-K | 10.5 | Employment Agreement with James R. Vercoe, Jr. |
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| 2014-12-10 | 8-K | 10.4 | Employment Agreement with Robert B. Watson. |
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| 2014-12-10 | 8-K | 10.3 | Employment Agreement with Gary W. Petty, Jr. |
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| 2014-12-10 | 8-K | 10.2 | Employment Agreement with Nathaniel F. Hughes. |
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| 2014-12-10 | 8-K | 10.1 | Form of Director Support Agreements by and among each current director of SmartFinancial and Cornerstone and Cornerstone Community Bank. |
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| 2014-05-13 | 10-Q | 10.1 | Loan agreement dated March 27, 2013 between Cornerstone and First Tennessee Bank National Association, as amended on March 20, 2014. |
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| 2010-05-05 | 10-K/A | 10.7 | Separation Agreement dated November 12, 2009, by and among Gregory B. Jones, Cornerstone Community Bank and Cornerstone Bancshares, Inc. |
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| 2010-04-08 | 8-K | 10.2 | Consent Order dated April 2, 2010 issued by the Federal Deposit and Insurance Corporation (FDIC-10-037b). |
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| 2010-04-08 | 8-K | 10.1 | Stipulation to the Issuance of a Consent Order dated April 2, 2010 between Cornerstone Community Bank and a representative of the Legal Division of the Federal Deposit and Insurance Corporation (FDIC-10-037b). |
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