April 2008 E-News Bulletin

Franklin Financial Network will welcome all shareholders to our inaugural Shareholder Meeting on Thursday, April 17th. The meeting will be held at

located at 3301 Aspen Grove Drive in Franklin.

MEASURING SUCCESS

Recently, someone commented to me that “success is a state of mind”. While I find there is some truth to that old adage, in the world of business and banking the word “success” requires more of a quantitative definition. We are very proud of our success at Franklin Synergy Bank; we have achieved measurable targets, or milestones. In addition, we are carving out a reputation as Williamson County’s local real estate lending bank.

EARLY SUCCESS

I would like to share two of these recent milestones with you. First, on March 18, 2008, we surpassed $50 million in deposits for the first time! It took us only four months to reach this milestone, and we all share in the pride of this accomplishment.

Secondly, as we began to build our bank, we looked for Founders, friends and neighbors to lay the foundation of our bank by moving their banking relationships to Franklin Synergy Bank. We set a very ambitious goal of having 250 Founders by March 31, 2008. While there are specific financial benefits to being a Founder at Franklin Synergy Bank, trust and faith in our bank and our banking team were the primary reasons that people chose to become Founders. I am proud to announce that we reached our goal and we have been successful in laying the foundation for our future.

There is one other statistic that I would like to share with you that defines our success in a strategic area: electronic banking. For the month of March, more than 50% of items deposited at our bank came through our Desktop Deposit system. This “remote capture” technology allows small businesses to deposit items from their office internet connection rather than making a trip to the bank to make a deposit. In the near future, consumers will be able to use the same technology from the comfort of their home or office. The world of banking is changing, and Franklin Synergy Bank is at the forefront of many of these changes!

FRANKLIN’S LOCAL REAL ESTATE LENDING BANK

As our community struggles with global, national and local economic issues, a sector of residential real estate borrowers is being unjustly harmed by new mortgage lending practices. Borrowers seeking “jumbo” loans (loans greater than $432,500) are experiencing unnecessary difficulties beyond what mortgage seekers for conforming loans (loans under $432,500) are experiencing. As Franklin’s local real estate lending bank, we are prepared to make “jumbo” mortgage loans to qualified borrowers, and we stand behind our intent with very competitive terms and rates. Give us a call at (615) 236-BANK (2265) or apply online at www.franklinsynergybank.com; you’ll be pleasantly surprised.

Our success and our opportunities result from a committed team and community support. We are off to a great start at Franklin Synergy Bank because of the great support of our neighbors. Thank you.

Franklin Synergy Bank – Williamson County’s Official Banking Partner!

New ATM presentation at the Williamson County Administrative Complex

On April 1, 2008, Franklin Synergy Bank became the official bank for Williamson County. We are very proud to have the opportunity to serve the county.

Our experienced staff takes special pride in serving county employees; those who make Williamson County such a great place to live! All Williamson County employees are eligible for special banking packages through Franklin Synergy Bank, with benefits designed specifically to meet a variety of banking needs.

On Monday, April 7, new Franklin Synergy Bank ATMs were installed at the Williamson County Administrative Complex and the Agricultural Exposition Park, adding convenience for our customers. Franklin Synergy Bank Founder Mike Thompson, Director of Williamson County’s Emergency Management Agency, was on hand at the County Complex to celebrate with the Franklin Synergy team.

FRANKLIN SYNERGY MORTGAGE NEWS…..Applications accepted online!

It’s easy to apply for a mortgage at Franklin Synergy Bank. Simply apply online at www.franklinsynergybank.com for our premier Synergy Relationship Mortgage. Whether you’re looking for a conventional loan (loans under $432,500) or a jumbo loan (loans over $432,500) our online application process makes it so easy.

See Phyllis Bond for Conventional and Jumbo Mortgages

FRANKLIN SYNERGY BANK TRAVEL NEWS…..

The Synergy Travel Club Mystery Trip on March 27 was a sell-out – with 50 intrepid travelers arriving for a trip to…….Clarksville!

Pineapple Gold Clarksville Trip Group

Pineapple Gold Clarksville Trip The jam-packed day began with a country breakfast on the motor coach. We had a professional driver, although Franklin Synergy Founder Bill Laird APPEARS to be offering to drive the motor coach for us! The first stop – Fort Campbell, with a tour of the base and an exciting demonstration by the 101st Airborne Canine Division. Lunch at “A Country Chapel” restaurant included entertainment by the gospel quartet “Sweetwater” from Hopkinsville, Ky. A final stop at Beachaven Winery featured a wine pairings class led by Tammy Algood, a food expert for the University of Tennessee Agricultural Extension Agency. Tammy is a regular on Channel 8, NPT. For more information about Franklin Synergy Bank Travel Club contact Sandy Green at 615-236-4614 or sandy.green@franklinsynergy.com.

FRANKLIN SYNERGY BANK TEAM NEWS

Nashville Mortgage Bankers Association Recognizes Franklin Synergy Bank’s Phyllis Bond

Phyllis Bond, Vice President and Mortgage Officer at Franklin Synergy Bank was recognized by the Nashville Mortgage Bankers Association (NMBA) at their March Awards of Excellence event at Richland Country Club. Phyllis was the recipient of the Platinum Award, signifying annual mortgage origination production of $25-$38Million.

We are delighted that Phyllis has been recognized again this year as a leader in mortgage originations in Williamson County. Her dedication to providing quality service to people seeking to buy a home is so helpful to our customers, especially in a difficult economic environment. Her customers receive the benefit on her years of experience.

The Privileges of Membership in Franklin Synergy Bank Clubs

Synergy Club Account - Our signature club account offering: special member interest rates, unlimited check writing, unique travel opportunities, five free non-Franklin Synergy Bank ATM fees per statement, preferred rates on mortgages, overdraft protection, free 24 hour online banking with bill pay, and much more.

Pineapple Gold Club Account - Our signature club account for customers age 50 or better. The same great benefits of a Synergy Club Account along with a free (for one year) safe deposit box.

We look forward to the opportunity to earn your future business at Franklin Synergy Bank. You may reach your Franklin Synergy banker at 236-BANK (2265) or on our website at www.franklinsynergybank.com. Franklin Synergy is located at 3301 Aspen Grove Drive, Suite 106 in Cool Springs. A parking garage is located directly below the bank for your convenience. Just take the elevator to the first floor.

We appreciate your continued interest in Franklin Synergy Bank.

Sincerely,

Richard Herrington