September 2007 E-News Bulletin

Welcome to second edition of the Franklin Financial Network News Bulletin!

Construction on our first bank location is moving along well; paint and carpet are installed and furniture is on the way. This night view of our building is spectacular. We think the building will be ready for occupancy shortly.

The Pineapple Gold Club Returns!

We're delighted to report that the Pineapple Gold Club will be returning by popular demand. Some of you will already be familiar with our premier club for customers aged 50 and up. Club membership carries numerous premier banking products and services along with group travel opportunities to exciting locales. Pineapple Gold Club members have enjoyed great trips to exciting destinations such as Ireland, New York during the holidays, England and Scotland, and Alaskan cruises. Sandy Green is busy planning a full schedule of exciting trips for 2008, beginning with a mystery trip in March and continuing with a fabulous tour of Italy in late April. Stay tuned for further information.

I'd like to take a moment to introduce our Executive Management Team. The last edition of our e-letter introduced our Board of Directors. I serve on both the Board of Directors and as President and Chief Executive Officer. Our management team has nearly 100 years of combined banking experience. We have a solid record of banking success and two members of our team are native Tennesseans. The rest of us have lived and worked in Middle Tennessee for more than thirty years. We are extremely fortunate to have this team in place.

Executive Vice President and Chief Banking Officer Ashley P. Hill, III has 24 years of banking experience in Middle Tennessee, including commercial and retail lending, relationship management, branch management, loan review, operations, and risk management. As Director of Corporate Risk Management, Ashley was a member of the executive turnaround team at Cumberland Bank prior to its sale. He holds the Certified Risk Professional (CRP) designation and previously served as Chief Operating Officer as well as Senior Vice President and Commercial Lender at Cumberland Bank. His prior experience includes the role of Community President for Davidson, Williamson, Maury and Rutherford counties at Trans Financial Bank, supervising multiple retail and community branches and Commercial Lender and Branch Manager at SunTrust Bank. Ashley is a Nashville native, a graduate of Montgomery Bell Academy and received his B.A. in Public Relations from Auburn University. He received his Masters in Banking from Graduate School of Banking of the South at LSU.

Lisa Musgrove serves as Executive Vice President and Chief Financial Officer of Franklin Financial Network and Franklin Synergy Bank (in organization). As Executive Vice President and Chief Financial Officer and Chief Operations Officer, Lisa was a critical member of the 5-member turnaround team which returned Civitas BankGroup and Cumberland Bank to sound financial footing. At Franklin Financial Corp (Franklin National Bank), Lisa served as Senior Vice President and Chief Financial Officer. Prior to her service at Franklin National Bank, Lisa served as Vice President, Controller and Treasurer at Tennessee National Bank in Columbia, Tennessee. Lisa is a Columbia native and earned her B.S. in Accounting at Miami University in Oxford, Ohio. She serves on the Board of Directors of the Tennessee Automated Clearing House Association and the Bancpac National Advisory Board.

Aimee Punessen serves as Senior Vice President and Marketing and Public Relations Officer of Franklin Synergy Bank (in organization). Aimee served as Manager of Public and Investor Relations at Civitas BankGroup (Cumberland Bank) as the company prepared to list on NASDAQ. Aimee serves as Chairman of the Board of Williamson Works, a non-profit economic and workforce development organization in Williamson County, and previously served as Executive Director of Education First Foundation, a public education foundation focused on the needs of public schools in Williamson County. Aimee is a graduate of Vanderbilt University with a B.A. in Business Administration.

Kevin Herrington serves as Senior Vice President and Chief Information Officer of Franklin Synergy Bank (in organization). As Vice President and Chief Technology Officer, Kevin was a critical member of the turnaround team which returned Civitas BankGroup and Cumberland Bank to sound financial footing. Kevin has achieved the major recognized certifications within the industry including CISSP (certified information systems security professional), and AAP (accredited ACH professional). Prior to his service at Cumberland Bank, Kevin served as Manager of Information Systems at Franklin National Bank. Kevin is a graduate of Battle Ground Academy. He served as a First Lieutenant in Field Artillery in the US Army and received his B.B.A. from Belmont University with a concentration in Finance.

Our most important asset is our team and we're very proud of the Executive Management Team that will lead our bank. We will introduce you to more of our team in the future. We remain excited about our progress in building a locally owned and managed community bank and we appreciate your continued interest in our bank.

Sincerely,

Richard Herrington