Commencement Agreement, by and between SS McEwen, LLC and Franklin Synergy Bank, dated January 1, 2019

Exhibit 10.5

EXHIBIT B

Form of Commencement Agreement

COMMENCEMENT AGREEMENT

THIS COMMENCEMENT AGREEMENT (this “Agreement”), made and entered into as of this 29th day of November, 2018, is by and between SOUTH ROYAL OAKS PARTNERS, LLC, a Tennessee limited liability company, (“Landlord”), and FRANKLIN SYNERGY BANK, a Tennessee banking corporation (“Tenant”).

A.Tenant and Landlord entered into that certain Triple Net Office Lease Agreement dated August 28, 2018 (the “Lease”), for certain improved real property municipally known as 231 South Royal Oaks Blvd located in Franklin, Williamson County, Tennessee, consisting of approximately 10,868 rentable square feet, being more particularly described in the Lease; and

B.The parties desire to precisely establish the Commencement Date as set forth below.

NOW, THEREFORE, in consideration of the mutual and reciprocal promises herein contained, and pursuant to Section 2 of the Lease, Tenant and Landlord hereby agree that the Lease is hereby modified as follows:

1.The term of the Lease by and between Landlord and Tenant shall commence on January 1, 2019 (the “Commencement Date”).

2.Except as modified and amended by this Agreement, the Lease shall remain in full force and effect.

IN WITNESS WHEREOF, Landlord and Tenant have caused this Agreement to be duly executed, as of the day and year first above written.

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