Form of Subscription Agreement

Exhibit 10.13 COMMUNITY FIRST, INC. NUMBER OF SHARES
OF COMMON STOCK TOTAL INVESTMENT $ SUBSCRIPTION AGREEMENT COMMUNITY FIRST, INC.
A Tennessee CorporationTo be Completed in Full by each Prospective Investor (" Subscriber" ) THIS SUBSCRIPTION AGREEMENT (the " Subscription Agreement" ), when and if accepted by Community First, Inc. shall constitute a subscription for shares of common stock (the " Shares" ), in the amount set forth below, in Community First, Inc., a Tennessee corporation (" Community First " ). Subject to the terms and conditions hereof, and in connection with the offering of up to 350,000 Shares, as registered with the Securities and Exchange Commission and pursuant to a prospectus dated as of , 2006, the undersigned hereby tenders this Subscription Agreement for the number of shares of Community First common stock set forth above. The purchase price is $30.00 per share. Payment for the Shares shall be by check made payable to the order of " Community First, Inc." in the amount of $30.00 times the number of Shares for which you have subscribed, and shall be due upon submission to Community First of this Subscription Agreement. The Subscriber understands and agrees that this subscription is irrevocable and may not be canceled. Unless you are currently a shareholder of Community First , Inc. you must subscribe for at least 334 shares of Community First common stock if you wish to participate in this offering unless Community First chooses to accept a subscription for fewer shares in its sole discretion. You acknowledge that Community First' s board of directors has the sole discretion to refuse any subscription. The Subscriber, as evidenced by execution of this Subscription Agreement, warrants, represents and covenants that: 1. The undersigned has received the offering prospectus of Community First dated , 2006 (the " Prospectus" ) and has read the Prospectus in detail and is familiar with all the terms and provisions thereof. The undersigned has concluded, based on the information presented to the undersigned, the


undersigned' s own understanding of investments of this nature and of this investment in particular, and the advice of such consultants as the undersigned has deemed appropriate, that the undersigned wishes to subscribe for the number of the Shares indicated on the first page hereof. 2. The undersigned acknowledges and is aware that the purchase of the Shares is a speculative investment which involves a high degree of risk of loss of the entire investment in the Shares. 3. The undersigned acknowledges and is aware that the Shares are not listed on any national exchange or other established trading market and that, as a result, the Shares may ...