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| Information about Lenders CENTRAL CAROLINA BANK General Information CCB: Growing and Involved In July 2000, CCB became a wholly owned subsidiary of National Commerce Bancorporation of Memphis, Tennessee. The new, combined company, called National Commerce Bancorporation, is headquartered in Memphis, Tennessee with $15 billion in assets. CCB is one of the Southeast's largest, fastest-growing, and best positioned subsidiaries in America. For the fourth straight year, US Banker magazine has ranked CCB in the top ten in overall performance among the largest 100 banks in the country. CCB serves 87 communities through 210 offices located primarily in the Piedmont Crescent region of the Carolinas. More than 90% of CCB's deposits are in Metropolitan Statistical Areas (MSAs)--principally the Triangle, the Triad and Charlotte in North Carolina and Greenville-Spartanburg in South Carolina. These areas have growth rates well above the national average. CCB provides a complete line of personal, business, investment and trust banking services as well as full-service brokerage. CCB also offers a line of specialized services designed to assist business customers in collecting, managing and investing their money. Customers may apply for loans, open accounts or get account information 7 days a week through CCB's Telebanking Center. CCB Telebanking Specialists are on call from 7 am to 11 pm daily, and automated account information is available 24 hours a day. Customers may also access their accounts through CCB's internet banking service. CCB has 229 automated teller machines and is a member of the STAR and Cirrus ATM Networks. We are listed on NASDAQ as NCBC. For further information about NCBC stock, contact the company's stock transfer agent, Bank of New York, at 1-800-524-4458. Please note that CCB provides mortgage loans for North Carolina only. Local Branch / Office Locations
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