Ray Grace Commissioner of Banks

Transcription

1 2017

2 Ray Grace Commissioner of s

3 State of North Carolina OFFICE OF THE COMMISSIONER OF BANKS Roy Cooper GOVERNOR Ray Grace COMMISSIONER OF BANKS To The Honorable Roy Cooper, Governor of North Carolina: I hereby respectfully submit the 2017 Annual Report of the Commissioner of s. The report provides financial information for the calendar year ended December 31, 2017, regarding North Carolina state-chartered commercial banks, savings banks, and nondepository trust companies under supervision of the Office of the Commissioner of s. Although economic challenges continued in 2017, North Carolina state-chartered banks showed continued signs of improvement and experienced a generally favorable year. Overall asset levels decreased 7.6 percent during the year, primarily due to the acquisition of six North Carolina state-chartered banks by institutions headquartered outside of this state. However, 76 percent of North Carolina s state-chartered banks experienced asset growth during the year, with five institutions attaining a growth rate of 40 percent or more: HomeTrust, Asheville; Live Oak ing Company, Wilmington; Select & Trust Company, Dunn; First Carolina, Rocky Mount; and First Capital, Laurinburg. In the aggregate, North Carolina s state-chartered banks and savings institutions also improved their asset quality. The delinquency ratio, which is a measurement of past-due and nonaccrual loans and leases to total loans and leases, declined from 1.89 percent to 1.61 percent. In addition, Other Real Estate Owned, an asset category comprised of foreclosed real estate collateral, decreased by 50 percent from year-end Most of North Carolina s state-chartered institutions were also successful in maintaining generally favorable levels of profitability, although some key ratios declined slightly. In 2017, the aggregate return on average assets for state-chartered banks and savings institutions increased three basis points from 0.66 percent to 0.69 percent, while the net interest margin dropped from 3.71 percent to 3.68 percent. The decrease in the net interest margin is largely due to the continued low interest rate environment. Most institutions are well-capitalized and are viable and important contributors to the communities and markets they serve. The Office of the Commissioner of s remains committed to and is focused on ensuring that all institutions under its supervision operate in a safe and sound manner, with adequate capital and capable management.

4 Detailed information on each bank is provided in the Directory Section of this report. As a convenience to the public and the banking industry, this report is also available on the Commissioner of s website at Respectfully submitted, Ray Grace Commissioner of s Location: 316 W. Edenton Street, Raleigh, NC Mailing Address: 4309 Mail Service Center, Raleigh, NC (919) Fax: (919) Internet: An Equal Opportunity/Affirmative Action Employer

5 Table of Contents Aggregate Data... 1 Directory... 3 State Trust Companies Charter and Office Activity Legislative Summary... 74

6 NC State-Chartered s Aggregate Report of Condition ASSETS* Cash and due from depository institutions 6,486 9,031 8,576 5,584 6,415 8,453 58,388 58,480 56,839 54,087 52,138 50, ,004 Total loans and leases 185, , , , , ,648 Less: loan loss allowance 1,639 1,794 1,725 1,804 2,178 2,552 Trading account assets ,075 3,669 4,235 3,826 3,413 3,449 3, ,022 11,814 12,706 10,739 8,700 8,676 8,303 All other assets 15,283 15,782 14,712 13,864 15,170 14,743 Total assets 279, , , , , ,184 LIABILITIES AND CAPITAL* Total deposits 217, , , , , ,598 Federal funds and repurchase agreements 2,405 1,687 3,059 2,329 2,440 1,003 All other interest-bearing liabilities 17,597 14,026 14,091 15,334 15,394 13,225 All other liabilities 8,322 8,627 9,706 8,699 8,461 9,348 Equity capital 34,407 38,212 33,155 29,231 28,157 27,010, preferred stock, and equity 279, , , , , ,184 1

7 NC State-Chartered s Aggregate Report of Income INCOME STATEMENT* Total tax-exempt interest income Total taxable interest income 8,552 9,024 7,807 7,413 7,888 8,395 Total noninterest income 5,422 4,980 4,436 3,891 3,970 3,472 Total interest expense ,173 Total noninterest expense 8,944 8,848 7,980 7,364 7,371 7,009 Provision for loan and lease losses ,311 Realized gains (losses) on securities (4) Applicable income taxes 1,245 1, , Net extraordinary gains (losses) (21) (17) (40) (105) (195) (194) Net income (loss) 3,006 3,025 2,600 2,341 1,868 1,850 OTHER DATA Number of institutions reporting Number of unprofitable institutions Noncurrent loans and leases 1,575 1,859 1,845 2,035 2,821 3,376 Restructured loans and leases 834 1, ,129 1,812 1,924 AVERAGE RATIOS Equity capital to total assets Delinquency ratio Liquidity ratio Yield on average earning assets (TE**) Cost of funds Net interest margin (TE**) Efficiency ratio Net income to average total assets * Amounts Rounded to Millions of Dollars ** (TE) Tax-Equivalent 2

8 Daniel M. Boyd, IV President and Chief Executive Officer Alliance & Trust Company Gastonia 292 W. Main Avenue, (704) $16,316 $21,215 $99,495 $3,267 $2,078 $142,371 and equity $127,938 $3,268 $149 $131,355 $11,016 $142,371 $865 James C. Engel, Jr. President and Chief Executive Officer Aquesta Cornelius Jetton Rd., (704) $12,043 $61,911 $675 $302,496 $13,374 $39 $14,933 $405,471 and equity $305,187 $66,900 $2,467 $374,554 $30,917 $405,471 $1,978 Thomas W. Wayne President of Oak Ridge Oak Ridge 2211 Oak Ridge Rd., (336) $21,945 $44,483 $5,538 $337,105 $8,352 $4 $10,496 $427,923 and equity $362,926 $18,500 $4,593 $386,019 $41,904 $427,923 $3,316 3

9 M. Wendell Begley President and Chief Executive Officer Black Mountain Savings, SSB Black Mountain 200 E State St., (828) $9,950 $27,820 $161 $168 $38,099 and equity $32,432 $712 $33,144 $4,955 $38,099 $116 Joe I. Marshall, Jr. President and Chief Executive Officer blueharbor bank Mooresville 106 Corporate Park Dr., (704) $6,405 $20,030 $170,001 $2,511 $667 $4,716 $204,330 and equity $174,232 $2,990 $2,072 $179,294 $25,036 $204,330 $1,328 Kelly S. King Chief Executive Officer and Chairman ing and Trust Company Winston-Salem 200 W. Second St., (336) $2,390,457 $47,438,817 $139,063,740 $2,039,855 $57,128 $11,146,961 $13,939,965 $216,076,923 and equity $163,943,600 $1,691,842 $14,906,305 $7,690,042 $188,231,789 $27,845,134 $216,076,923 $2,403,744 4

10 Jerry L. Ocheltree President and Chief Executive Officer Carolina Trust Lincolnton 901 E Main St., (704) $10,554 $31,112 $345,080 $6,466 $789 $73 $12,229 $406,303 and equity $340,916 $23,807 $3,410 $368,133 $38,170 $406,303 $1,321 Richard G. Jefferson President and Chief Executive Officer Coastal & Trust Jacksonville 2414 N. Marine Blvd., (910) $11,389 $8,121 $72,854 $319 $512 $1,648 $94,843 and equity $85,010 $203 $85,213 $9,630 $94,843 $1,694 Mark A. Holmes President and Chief Executive Officer Cornerstone Wilson 3710 Nash St. N, (252) $5,337 $10,920 $2,525 $73,718 $2,126 $1,573 $5,679 $101,878 and equity $86,223 $3,033 $46 $89,302 $12,576 $101,878 $97 5

11 Roger D. Plemens President and Chief Executive Officer Entegra Franklin 220 One Center Ct., (828) $109,867 $342,863 $998,098 $24,113 $2,568 $30,928 $72,311 $1,580,748 and equity $1,165,420 $227,123 $20,953 $1,413,496 $167,252 $1,580,748 $3,184 J. Steven Fisher President, Chief Executive Officer and Chairman Farmers & Merchants Granite Quarry 138 N Salisbury Ave., (704) $115,444 $21,851 $439,658 $15,046 $3,047 $597 $8,416 $604,059 and equity $533,775 $5,331 $539,106 $64,953 $604,059 $4,478 Michael Mayer President and Chief Executive Officer First Southern Pines 300 SW Broad Street, (910) $488,892 $461,773 $4,019,071 $116,227 $12,571 $259,438 $188,683 $5,546,655 and equity $4,410,892 $353,785 $36,308 $4,800,985 $745,670 $5,546,655 $47,940 6

12 Frank J. Cole, Jr. Chief Executive Officer First Capital Laurinburg 909 South Main Street, (910) $3,699 $25,347 $45,905 $120 $648 $75,719 and equity $55,162 $487 $55,649 $20,070 $75,719 $127 Ronald A. Day President and Chief Executive Officer First Carolina Rocky Mount 171 N Winstead Ave., (252) $17,571 $122,890 $178,199 $3,931 $1,989 $6,592 $331,172 and equity $301,668 $524 $302,192 $28,980 $331,172 $743 Frank B. Holding, Jr. Chief Executive Officer and Chairman First-Citizens & Trust Company Raleigh 239 Fayetteville St. Mall, (919) $1,715,491 $7,062,742 $23,427,460 $1,048,512 $50,325 $182,457 $859,943 $34,346,930 and equity $29,333,220 $588,807 $843,099 $378,313 $31,143,439 $3,203,491 $34,346,930 $320,440 7

13 C. Greg Edwards President and Chief Executive Officer Great State Wilkesboro 1422 US Hwy. 421 Business, (336) $29,735 $10,072 $96,260 $1,208 $15 $1,443 $138,733 and equity $124,285 $2,000 $345 $126,630 $12,103 $138,733 $451 Vivian D. Sutton President Hertford Savings, SSB Hertford 121 N Church St., (252) $3,266 $8 $8,357 $50 $178 $118 $11,977 and equity $9,853 $16 $9,869 $2,108 $11,977 $100 Dana L. Stonestreet President and Chief Executive Officer HomeTrust Asheville 10 Woodfin Street, (828) $198,011 $367,328 $2,399,076 $62,435 $3,938 $31,411 $181,428 $3,243,627 and equity $2,135,896 $695,293 $53,120 $2,884,309 $359,318 $3,243,627 $97 8

14 Tim Evans Executive Vice President Jackson Savings, SSB Sylva 741 W Main St., (828) $6,830 $24,918 $154 $322 $518 $32,742 and equity $26,116 $62 $26,178 $6,564 $32,742 $41 Harold T. Keen President and Chief Executive Officer KS, Inc. Smithfield 1031 N. Brightleaf Blvd., (919) $6,967 $65,251 $285,971 $7,496 $7,682 $373,367 and equity $297,008 $4,103 $33,000 $3,174 $337,285 $36,082 $373,367 $2,330 James S. Mahan, III Chief Executive Officer Live Oak ing Company Wilmington 1741 Tiburon Dr., (910) $291,111 $93,355 $2,013,628 $56,832 $1,281 $49,983 $160,410 $2,666,600 and equity $2,317,102 $41,794 $2,358,896 $307,704 $2,666,600 $114,004 9

15 Kyle R. Chavis Chief Executive Officer Lumbee Guaranty Pembroke 403 E Third St., (910) $13,180 $106,798 $174,929 $8,855 $515 $795 $14,359 $319,431 and equity $276,842 $1,382 $1,101 $3,729 $283,054 $36,377 $319,431 $1,856 James H. Sills, III President and Chief Executive Officer Mechanics and Farmers Durham 116 W. Parrish St., (919) $27,227 $57,488 $151,680 $2,437 $104 $15,840 $254,776 and equity $230,683 $769 $3,663 $235,115 $19,661 $254,776 -$2,468 Michael P. Ayotte President and Chief Executive Officer Morganton Savings, SSB Morganton 100 South King St., (828) $8,328 $13,200 $44,887 $2,377 $698 $10,515 $80,005 and equity $53,436 $2,321 $55,757 $24,248 $80,005 $305 10

16 Timothy Shawn Hubbs Chief Executive Officer Nantahala & Trust Company Franklin 120 Siler Rd., (828) $12,784 $19,031 $96,060 $3,819 $17,839 $28 $1,594 $151,155 and equity $131,559 $10,700 $857 $143,116 $8,039 $151,155 $215 J. Blaine Jackson Chief Executive Officer NewDominion Charlotte 1111 Metropolitan Ave., (704) $26,491 $23,241 $150 $279,085 $946 $2,699 $5,702 $338,314 and equity $282,342 $15,000 $1,956 $299,298 $39,016 $338,314 $4,587 Larry D. Barbour President and Chief Executive Officer North State Raleigh 6204 Falls of Neuse Rd., (919) $65,951 $27,311 $691,070 $24,918 $141 $23,966 $833,357 and equity $755,744 $504 $633 $3,118 $759,999 $73,358 $833,357 $11,329 11

17 Robert C. Hatley President and Chief Executive Officer Paragon Commercial Raleigh 3535 Glenwood Ave., (919) $57,244 $190,497 $1,434,713 $15,072 $2,110 $63,773 $1,763,409 and equity $1,281,654 $25,141 $285,000 $4,488 $1,596,283 $167,126 $1,763,409 $15,126 Lance A. Sellers President and Chief Executive Officer Peoples Newton 518 West C St., (828) $57,304 $229,072 $754,255 $19,911 $118 $30,092 $1,090,752 and equity $908,379 $37,757 $10,835 $956,971 $133,781 $1,090,752 $11,110 Ted E. Whitehurst President and Chief Executive Officer Providence Rocky Mount 450 North Winstead Ave., (252) $52,671 $4,481 $253,225 $609 $953 $10,303 $322,242 and equity $257,927 $2,238 $18,000 $2,662 $280,827 $41,415 $322,242 $2,629 12

18 Ed Jackson President and Chief Executive Officer Roanoke Rapids Savings, SSB Roanoke Rapids 325 Becker Dr., (252) $3,318 $6,609 $4,467 $32,052 $778 $376 $2,751 $50,351 and equity $40,359 $1,000 $218 $41,577 $8,774 $50,351 -$95 J. William Gossip President and Chief Executive Officer Roanoke Valley Savings, SSB Roanoke Rapids 828 Roanoke Ave., (252) $14,450 $2,512 $13,716 $76 $320 $4,556 $35,630 and equity $25,327 $752 $26,079 $9,551 $35,630 $45 Jane D. Long Chief Administrative Officer Roxboro Savings, SSB Roxboro 313 S Main St., (336) $8,513 $89,668 $2,423 $112,467 $1,282 $290 $11,750 $226,393 and equity $168,050 $12,825 $2,291 $183,166 $43,227 $226,393 $2,144 13

19 William L. Hedgepeth, II President and Chief Executive Officer Select & Trust Company Dunn 700 W Cumberland St., (910) $56,949 $63,674 $6,645 $973,844 $18,880 $1,258 $31,034 $47,015 $1,199,299 and equity $1,008,395 $35,279 $6,766 $1,050,440 $148,859 $1,199,299 $3,773 S. Phillip Collins President and Director Sound Morehead City 5039 Executive Dr., (252) $19,804 $250 $158,894 $5,107 $9,288 $5,736 $199,079 and equity $160,812 $10,000 $1,330 $172,142 $26,937 $199,079 $34 J. Grey Morgan Chief Executive Officer Southern and Trust Company Mount Olive 100 North Center St., (919) $205,383 $602,399 $1,618,238 $60,637 $783 $32,761 $56,406 $2,576,607 and equity $2,251,022 $47,214 $6,176 $2,304,412 $272,195 $2,576,607 $25,060 14

20 Edward C. Ashby, III President and Chief Executive Officer Surrey & Trust Mount Airy 145 N Renfro St., (336) $56,785 $4,945 $1,229 $220,396 $6,800 $167 $120 $10,118 $300,560 and equity $255,026 $3,550 $258,576 $41,984 $300,560 $3,097 Ann G. Winstead President and Chief Executive Officer Tarboro Savings, SSB Tarboro 501 Main St., (252) $9,867 $36 $32,930 $655 $1,765 $45,253 and equity $38,472 $8 $38,480 $6,773 $45,253 $270 Timothy H. Keever President Taylorsville Savings, SSB Taylorsville 107 Main Avenue Dr., (828) $3,661 $8,357 $1,018 $79,867 $691 $6,969 $100,563 and equity $88,173 $2,687 $90,860 $9,703 $100,563 $706 15

21 Mary W. Willis President and Chief Executive Officer The Fidelity Fuquay-Varina 100 S Main St., $211,554 $537,110 $1,051,411 $50,865 $417 $19,838 $16,191 $1,887,386 and equity $1,678,691 $12,345 $1,691,036 $196,350 $1,887,386 $13,002 Vincent R. Jones President and Chief Executive Officer Union Greenville 1011 Red s Road, (252) $32,769 $109,077 $505,041 $16,907 $627 $13,806 $24,301 $702,528 and equity $593,726 $34,000 $1,633 $629,359 $73,169 $702,528 $2,653 Brendan P. Duffey President and Chief Executive Officer Uwharrie Albemarle 167 N Second St., (704) $70,403 $107,201 $358,827 $14,412 $2,349 $2,125 $18,909 $574,226 and equity $515,041 $6,539 $521,580 $52,646 $574,226 $2,364 16

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23 AAFMAA Wealth Management & Trust LLC Fayetteville Richard J. Convy 639 Executive Place, President Receivables Prepaid expenses and deposits $2,486 $7,979 $912 $156 $39 Payable to customer Mortgage indebtedness and capital lease obligations and equity $36 $437 $11,098 $11,571 $11,572 Earnings $930 Boys, Arnold Trust Company Asheville Jon L. Vannice 1272 Hendersonville Rd., Chairman, President, Chief Executive Officer (828) Receivables Prepaid expenses and deposits $171 $1,263 Payable to customer Mortgage indebtedness and capital lease obligations and equity $1,434 $1,434 $1,434 Earnings $3 Davenport Trust Company Greensboro Eddie Eddins 628 Green Valley Rd., Ste 410, President and Chief Executive Officer (804) Receivables Prepaid expenses and deposits $765 $993 $138 Payable to customer Mortgage indebtedness and capital lease obligations and equity $33 $1,863 $1,896 $1,896 Earnings $38 18

24 Franklin Street Trust Company Chapel Hill W. Robert Newell 1450 Raleigh Rd., Ste 300, President (919) Receivables Prepaid expenses and deposits $913 $1,858 $2,276 $56 Payable to customer Mortgage indebtedness and capital lease obligations and equity $54 $1,555 $3,494 $5,103 $5,103 Earnings $700 Investors Trust Company Chapel Hill Stephen E. Pike 121 N Columbia St., President (919) invtrust.com/ Receivables Prepaid expenses and deposits $775 $2,200 $85 $351 $32 Payable to customer Mortgage indebtedness and capital lease obligations and equity $1,236 $2,207 $3,443 $3,443 Earnings $19 Old North State Trust, LLC Greensboro Denis R. de St. Aubin 1250 N. Revolution Mill Drive, Suite 152 & 250, President and Chief Executive Officer (336) Receivables Prepaid expenses and deposits $2,065 $126 $286 $98 $200 $150 Payable to customer Mortgage indebtedness and capital lease obligations and equity $73 $50 $2,802 $2,925 $2,925 Earnings $154 19

25 Piedmont Trust Company Greensboro Michael K. Shields 800 Green Valley Rd, President and Chief Executive Officer (336) Receivables Prepaid expenses and deposits $2,734 $1,008 $436 $70 $226 Payable to customer Mortgage indebtedness and capital lease obligations and equity $591 $115 $3,768 $4,474 $4,474 Earnings $164 Trust Company of the South Greensboro William H. Smith 800 Green Valley Road, Chief Executive Officer (336) Receivables Prepaid expenses and deposits $2,114 $1,282 $843 $152 $256 Payable to customer Mortgage indebtedness and capital lease obligations and equity $841 $3,806 $4,647 $4,647 Earnings $1,384 Wakefield Trust Company Charlotte Anna S. Nelson 1110 E Morehead St., President and Chief Executive Officer (704) Private Trust Company 20

26 2017 Charter and Office Activity The Commissioner of s approves applications for new state bank charters, conversions to state bank charters, state bank mergers and acquisitions, new branches, branch relocations, consolidations, and closings. NC State Charter Statistics Number of State s, December 31, Closings : Merger - State to National 2 Closings : Merger - State to Other State's 4 Closings : Merger - State to State 2 Closings : Merger - State to State Savings 1 Closings : Merger - State Savings to State 1 Number of State s, December 31, Number of Offices, December 31, Closings Ceased Operation 176 Consolidation 36 Merger - State to National 281 Merger - State to Other State's 173 Merger - State to State 13 Merger - State to State Savings 8 Merger - State Savings to State 13 Openings De Novo 18 Merger 1 Merger - Other State's to State 6 Merger - State to State 13 Merger - State to State Savings 9 Merger - State Savings to State 14 Purchase & Assumption - National to State Savings 2 Purchase & Assumption - Other State's to State 16 Number of Offices, December 31,

27 Other Office Activity Conversion - State Savings to State 25 Name Change 18 Relocation 13 22

28 2017 Charters, Mergers and Acquisitions HomeTrust, Asheville Jan - 1 Activity HomeTrust, Asheville, North Carolina, merged and was survivor of merger with TriSummit, Kingsport, Tennessee. Carolina, Greensboro First, Southern Pines Yadkin, Statesville Entegra, Franklin of North Carolina, Thomasville the little bank, incorporated, Kinston Union & Trust Company, Oxford Mar - 3 Mar - 3 Mar - 23 Jul - 7 Jul - 7 First, Southern Pines, North Carolina, merged and was survivor of merger with Carolina, Greensboro, North Carolina. First, Southern Pines, North Carolina, merged and was survivor of merger with Carolina, Greensboro, North Carolina. First National of Pennsylvania, Hermitage, Pennsylvania, merged and was survivor of merger with Yadkin, Statesville, North Carolina. Entegra, Franklin, North Carolina, converted from a North Carolina-chartered savings bank to a North Carolina-chartered commercial bank. Pinnacle, Nashville, Tennessee, merged and was survivor of merger with of North Carolina, Thomasville, North Carolina. the little bank, incorporated, Kinston, North Carolina, merged and was survivor of merger with Union & Trust Company, Oxford, North Carolina. the little bank, incorporated rebranded to Union and relocated its headquarters to Greenville, North Carolina. the little bank, incorporated, Kinston, North Carolina, merged and was survivor with Union & Trust Company, Oxford, North Carolina. Asheville Savings, SSB, Asheville First, Southern Pines Entegra, Franklin First South, Washington Four Oaks & Trust Company, Four Oaks Oct - 1 Oct - 1 Oct - 1 First, Southern Pines, North Carolina merged and was survivor of merger with Asheville Savings, SSB, Asheville, North Carolina. First, Southern Pines, North Carolina, merged and was survivor of merger with Asheville Savings, SSB, Asheville, North Carolina. Entegra, Franklin, North Carolina, merged and was survivor of merger with Chattahoochee of Georgia, Gainesville, Georgia. CresCom, Charleston, South Carolina, merged and was survivor of merger with First South, Washington, North Carolina. United Community, Blairsville, Georgia, merged and was survivor of merger with Four Oaks & Trust Company, Four Oaks, North Carolina. 23

29 Capital Corporation, Raleigh Park Sterling, Charlotte Carolina Premier, Charlotte Select & Trust Company, Dunn Dec - 15 Dec - 15 Activity First Tennessee National Association, Memphis, Tennessee, merged and was survivor of merger with Capital Corporation, Raleigh, North Carolina. South State, Columbia, South Carolina, merged and was survivor of merger with Park Sterling, Charlotte, North Carolina. Select & Trust Company, Dunn, North Carolina, merged and was survivor of merger with Carolina Premier, Charlotte, North Carolina. Select & Trust Company, Dunn, North Carolina, merged and was survivor of merger with Carolina Premier, Charlotte, North Carolina. 24

30 2017 Office Activity Closings due to Ceased Operation: 176 ing and Trust Company Mar - 24 Apr - 7 Apr - 14 Apr - 28 Jul - 28 Jul - 28 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Robinson Creek Office 6758 US Hwy. 23 S, Pikeville, KY, Arlington Ballpark Way 1900 Ballpark Way, Suite 100, Arlington, TX, Stone Oak Parkway Blanco Rd., Suite 3, San Antonio, TX, Six Forks Square 7447 Six Forks Rd., Raleigh, NC, Maitland 360 E Horatio Ave., Maitland, FL, McQueen Smith Road 1798 Hwy. 14 E, Prattville, AL, Hamilton Main Office E Colonial Hwy., Hamilton, VA, Senseny Road Office 1855 Senseny Rd., Winchester, VA, Catlett Office 3420 Catlett Rd., Catlett, VA, Heritage Harbour 801 Compass Way, Ste. 7, Annapolis, MD, Wayson's Corner 5401 Southern Maryland Blvd., Lothian, MD, Reedsville Veteran's Memorial Hwy., Reedsville, WV, Terra Alta 1003 E State Ave., Terra Alta, WV, Winstead Avenue Office 147 N. Winstead Ave., Rocky Mount, NC, Williamston Office 1 Greenville Dr., Williamston, SC, Cayce Office 2500 Charleston Hwy., West Columbia, SC, Northpoint Office 5960 N Point Pkwy., Alpharetta, GA,

31 Closings due to Ceased Operation: 176 (Contd.) ing and Trust Company Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 4 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Sugarloaf Station Office 3305 Sugarloaf Pkwy., Lawrenceville, GA, Barrett Parkway 63 Barrett Pkwy., Marietta, GA, Palm Bay 610 Malabar Rd. SE, Palm Bay, FL, Orange Beach Perdido Beach Blvd., Orange Beach, AL, Carrollton 2340 East Trinity Mills Road, Carrollton, TX, Bedford 2350 Airport Freeway, Suite 100, Bedford, TX, Hopkinsville 9th Street 205 E. 9th St., Hopkinsville, KY, Stephens Crossroads 2496 Hwy. 9 E, Little River, SC, Goldston 2111 S Main St., Goldston, NC, State Line Pennsylvania Avenue South, Greencastle, PA, Lubeck 1605 Harris Hwy., Parkersburg, WV, Woodbine Office Dumfries Rd., Manassas, VA, Old Forest Road Office 3638 Old Forest Rd., Lynchburg, VA, Fallston 1911 Bel Air Rd., Fallston, MD, Turkey Creek Parkside Dr., Knoxville, TN, Turkeyfoot 3950-A Turkeyfoot Road, Erlanger, KY, Fort Wright 1850 Ashwood Circle, Fort Wright, KY, Lumberton NJ 160 Mount Holly By Pass, Lumberton, NJ,

32 Closings due to Ceased Operation: 176 (Contd.) ing and Trust Company Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Aug - 11 Oct Dec - 1 Lewisburg Weis Market 6901 West Highway, Lewisburg, PA, Coats Main Office 140 N McKinley St., Coats, NC, Riverbirch 1135 Spring Ln., Sanford, NC, Highway Hwy. 105, Boone, NC, Highway Cotton Grove Rd., Lexington, NC, Liberty Hill 5000 Fayetteville Rd., Lumberton, NC, Jack Britt 5511 Waldos Beach Rd., Fayetteville, NC, Highway 544 West 1571 Hwy. 544, Conway, SC, Eastside 9130 Hwy. 278 NE, Covington, GA, Northlake Office 3824 LaVista Rd., Tucker, GA, Thomaston Road 5590 Thomaston Rd., Macon, GA, Lake Joy 701 Lake Joy Rd., Warner Robins, GA, Casselberry 894 State Rd. 436, Casselberry, FL, Flagler-Hammock 5182 N Oceanshore Blvd., Suite 1, Palm Coast, FL, Sawgrass Corp Park 1580 Sawgrass Corporate Pkwy., Suite 120, Sunrise, FL, FAU 777 Glades Rd., Boca Raton, FL, Champion Stuebner Airline Rd., Suite 100, Spring, TX, Hague 8518 Cople Hwy., Hague, VA,

33 Closings due to Ceased Operation: 176 (Contd.) ing and Trust Company Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dahlgren Dahlgren Rd., King George, VA, Walmsley 4710 Walmsley Blvd., Richmond, VA, Oak Grove 1828 Electric Rd., Roanoke, VA, Lakeside 121 Electric Rd., Salem, VA, Boones Mill 40 Main St., Boones Mill, VA, Dublin 189 Broad St., Dublin, VA, Winchester, KY - Main 30 W Broadway St., Winchester, KY, Whitesville Main St., Whitesville, KY, Elizabethtown PA North 975 North Hanover Street, Elizabethtown, PA, Delran 3104 Bridgeboro Road, Delran, NJ, New Hope 6444 Lower York Road, New Hope, PA, Robesonia 402 East Penn Avenue, Robesonia, PA, Red Hill 433 Main Street, Red Hill, PA, Miller Heights 3933 Freemansburg Avenue, Bethlehem, PA, Stoney Creek Office 6405 Burlington Rd., Whitsett, NC, Longview 3201 First Ave. SW, Hickory, NC, Maggie Valley 2451 Soco Rd., Maggie Valley, NC, Fallston 4541 Fallston Rd., Lawndale, NC,

34 Closings due to Ceased Operation: 176 (Contd.) ing and Trust Company Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 1 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Chinquapin Road Office 15 Chinquapin Rd., Pinehurst, NC, Chadbourn 625 N Brown St., Chadbourn, NC, Elm City 111 E Main St., Elm City, NC, Nags Head Office 105 W Seachase Dr., Nags Head, NC, Emerald Isle 8301 Emerald Dr., Emerald Isle, NC, Coral Springs 9600 W Sample Rd., Coral Springs, FL, Doral 9770 NW 25th St., Doral, FL, Ringling 3201 N Tamiami Trail, Sarasota, FL, Cape Coral 1321 SE 47th Terrace, Cape Coral, FL, Elfers 6213 State Rd. 54, New Port Richey, FL, Lafayette 54 N Lafayette St., Lafayette, AL, Eufaula 990 S Eufaula Ave., Eufaula, AL, Opp 113 E Hart Ave., Opp, AL, San Antonio Legacy 2103 N. Loop 1604 W., San Antonio, TX, Grayson Valley 5580 Chalkville Rd., Birmingham, AL, Enterprise 201 S Edwards St., Enterprise, AL, Fishhawk Fishhawk Blvd., Lithia, FL, Citrus Park Office 7919 Gunn Hwy., Tampa, FL,

35 Closings due to Ceased Operation: 176 (Contd.) ing and Trust Company Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Mission Lakes 5614 State Rd. 7, Wellington, FL, Plantation Key Overseas Hwy., Tavernier, FL, Oakbridge 3350 Harden Blvd., Lakeland, FL, Oviedo 3055 Alafaya Trail, Oviedo, FL, Danielsville Main 220 Courthouse Sq., Danielsville, GA, Johnson Ferry 1020 Johnson Ferry Rd., Marietta, GA, Fayette-Towne Center Office 1835 Jonesboro Rd., McDonough, GA, Ferrells Creek Regina Belcher Hwy., Elkhorn City, KY, Westport Plaza 2900 N Hurstbourne Pkwy., Louisville, KY, Edgewater 3062 Solomons Island Rd., Edgewater, MD, Eldersburg Ridge Road 6415 Ridge Road, Eldersburg, MD, Victory Way 530 Yopp Rd., Jacksonville, NC, Southport Main 104 S Howe St., Southport, NC, North Main Street 94 N Main St., Denton, NC, Breezewood Lincoln Highway, P.O. Box 107, Breezewood, PA, Shartlesville 4 Roadside Drive, Shartlesville, PA, Lyman Main Office 100 Inman Rd., Lyman, SC, Bay Street Office 905 Port Republic St., Beaufort, SC,

36 Closings due to Ceased Operation: 176 (Contd.) ing and Trust Company Capital Corporation Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Dec - 8 Mar - 20 Mar - 20 Jun - 28 Jun - 28 Jun - 28 Jun - 28 Jul - 19 Jul - 19 Loudon Main 406 Grove St., Loudon, TN, Staples Mill 8727 Staples Mill Rd., Richmond, VA, Forest Hill Avenue Office 6980 Forest Hill Ave., Richmond, VA, Middletown Main Office 7800 Main St., Middletown, VA, Westover 2801 Westover Dr., Danville, VA, Fairfield Office 5874 N Lee Hwy., Fairfield, VA, Harrisonburg South Office 3150 S Main St., Harrisonburg, VA, Covington Main Office 116 W Riverside St., Covington, VA, Military Circle Office 929 Glenrock Rd., Norfolk, VA, Glen Dale 20 Wheeling Ave., Glen Dale, WV, South Miami 7312 Red Road, South Miamii, FL, Stone Drive 1421 East Stone Drive, Kingsport, TN, East Siler City 1711 East 11th Street, Siler City, NC, Downtown Newton 311 North Main Avenue, Newton, NC, Hope Mills 3310 South Peak Drive, Fayetteville, NC, Rockingham Road 1222 Rockingham Road, Rockingham, NC, Knoxville Bearden 5000 Kingston Pike, Knoxville, TN, Knoxville Middlebrook 9261 Middlebrook Pike, Knoxville, TN,

37 Closings due to Ceased Operation: 176 (Contd.) Capital Corporation Carolina Premier Jul - 19 Jul - 19 Jul - 26 Jul - 26 Jul - 26 Jul - 26 Aug - 2 Aug - 2 Aug - 30 Mar - 30 Loudon 2360 Highway 72 North, Loudon, TN, South Roan Street 2710 South Roan Street, Johnson City, TN, Hickory 225 4th Street Nw, Hickory, NC, Northfield 372 West Northfield Boulevard, Murfreesboro, TN, Sango 599 Fire Station Road, Clarksville, TN, Smyrna 559 Sam Ridley Parkway West, Smyrna, TN, Hilltop 5605 Hilltop Road, Jamestown, NC, Holly Springs 5070 Kentworth Drive, Holly Springs, NC, New Garden 1655 New Garden Road, Greensboro, NC, Jake Alexander 1938 Jake Alexander Boulevard West, Salisbury, NC, Cool Springs 9200 Carothers Parkway, Franklin, TN, of the Urban League of the Central Carolinas, a division of Carolina Premier 740 West 5th St., Charlotte, NC, Carolina Trust First First South First-Citizens & Trust Company Mar - 15 Apr - 21 Aug - 4 Mar - 3 Mar - 31 Jan - 6 Boger City 2740 NC Hwy. 27, Lincolnton, NC, Laurel Hill 9101 Morgan St., Laurel Hill, NC, Jonestown 312 Jonestown Road, Winston-Salem, NC, Washington Corner 1328 John Small Ave., Washington, NC, Tarboro 100 E Hope Lodge St., Tarboro, NC, Aurora E Colfax Ave., Ste. P, Aurora, CO,

38 Closings due to Ceased Operation: 176 (Contd.) First-Citizens & Trust Company Mar - 7 Mar - 8 Mar - 9 Apr - 5 Woodlake Hull Street Road, Chesterfield, VA, Colonial Heights 2000 Snead Avenue, Colonial Heights, VA, way Road 906 way Road, Richmond, VA, Warrenton 488 Main St, Warrenton, GA, Apr - 12 Cheraw Hwy Chesterfield Hwy, Cheraw, SC, Apr - 12 May - 10 May - 10 May - 24 Jun - 13 Jun - 22 Jun - 23 Aug - 4 Aug - 23 Sep - 13 Sep - 20 Sep - 20 Sep - 21 Ridgeway 100 Palmer St, Ridgeway, SC, Colbert 35 N 4th St, Colbert, GA, Church St 305 N Church St, Spartanburg, SC, Westminster 200 W Windsor St, Westminster, SC, Albany 301 West Oglethorpe Blvd., Albany, GA, Phoenixville 368 Schuylkill Road, Phoenixville, PA, Ridley 160 Morton Avenue, Folsom, PA, Lee Street 562 Lee St. SW, Atlanta, GA, Chester Main 120 Church St, Chester, SC, Ridge Spring 618 E Main St, Ridge Spring, SC, Rivers Ave 3356 Rivers Ave, North Charleston, SC, New Ellenton 500 N Main St, New Ellenton, SC, Woodstown Office 863 Route 45, Pilesgrove, NJ,

39 Closings due to Ceased Operation: 176 (Contd.) First-Citizens & Trust Company Sep - 21 Sep - 22 Sep - 22 Sep Elmer Office 389 Harding Highway, Elmer, NJ, Salem City 473 E. Broadway, Salem, NJ, North Broadway 285 North Broadway, Pennsville, NJ, Beaufort 411 Front St., Beaufort, NC, North Milwaukee State, a division of First-Citizens & Trust Company 5630 West fond Du Lac Avenue, Milwaukee, WI, Four Oaks & Trust Company HomeTrust Park Sterling Peoples Southern and Trust Company 5 Dec - 6 Dec - 12 May - 31 Mar - 10 Mar - 10 Mar - 7 Mar - 13 Mar - 31 Jul - 28 Maysville 602 Main St., Maysville, NC, Bragg Boulevard 2617 Bragg Blvd., Fayetteville, NC, Palm Beach Gardens Office 2000 PGA Blvd., Suite E5506, Palm Beach Gardens, FL, Harrells Office 590 Tomahawk Hwy., Harrells, NC, Boones Creek Office 4718 North Roan Street, Johnson City, TN, West Oakland Office 1000 West Oakland Avenue, Johnson City, TN, Richmond Patterson Avenue 5601 Patterson Ave., Richmond, VA, Banco de la Gente - Monroe, a branch of Peoples 501 W Roosevelt Blvd., Monroe, NC, Grantham 3382 US Hwy. 13 S, Goldsboro, NC, Macclesfield 105 N Railroad St., Macclesfield, NC, Closings due to Consolidation: 36 ing and Trust Company Feb - 24 Ann's Choice II Ann's Choice Way, Warminster, PA, (Consolidated into: Ann'S Choice Way, Warminster, PA, 18974) Feb - 24 Park City 536 Park City Center, Lancaster, PA, (Consolidated into: 1570 Manheim Pike, Lancaster, PA, 17601) 34

40 Closings due to Consolidation: 36 (Contd.) Mar - 31 Broadus Avenue Office 416 E North St., Greenville, SC, (Consolidated into: 1 North Main Street, Suite C, Greenville, SC, 29601) May - 12 Murray Main 500 Main St., Murray, KY, (Consolidated into: 1104 Chestnut St., Murray, KY, 42071) May - 19 Lancaster Columbia Avenue 2200 Columbia Avenue, Lancaster, PA, (Consolidated into: 270 Good Drive, Lancaster, PA, 17603) Aug - 4 Gallery Place Office 614 H Street, NW, Washington, DC, (Consolidated into: 1099 New York Ave. Nw, Suite 100, Washington, DC, 20001) Aug - 4 Owensboro - Hwy New Hartford Rd., Owensboro, KY, (Consolidated into: 2800 Frederica St., Owensboro, KY, 42301) Aug - 4 Fairview 1025 Fairview Ave., Bowling Green, KY, (Consolidated into: 350 Us 31 W By-Pass, Bowling Green, KY, 42101) Aug - 4 Maynard Road 848 SE Maynard Rd., Cary, NC, (Consolidated into: 924 Kildaire Farm Rd., Flr 2, Cary, NC, 27511) Aug - 4 Redbanks Road 700 E. Arlington Blvd., Greenville, NC, (Consolidated into: 514 E Greenville Blvd. Se, Greenville, NC, 27858) Aug - 11 Central Park Office 1151 Carl D Silver Pkwy., Fredericksburg, VA, (Consolidated into: 3600 Plank Rd., Fredericksburg, VA, 22407) Aug - 11 Belle View 1640 Belle View Blvd., Alexandria, VA, (Consolidated into: 6618 Richmond Hwy., Alexandria, VA, 22306) Aug - 11 Lincolnia 6244-A Little River Turnpike, Alexandria, VA, (Consolidated into: 233 S Van Dorn St., Alexandria, VA, 22304) Aug - 11 Federal Hill 215 Key Highway, Baltimore, MD, (Consolidated into: 2 N Charles St., Baltimore, MD, 21201) Aug - 11 Atco Avenue 2155 Atco Avenue, Atco, NJ, (Consolidated into: 249 White Horse Pike, Atco, NJ, 08004) Aug - 11 Augusta Road Office 2204 Augusta St., Greenville, SC, (Consolidated into: 505 Mills Ave., Greenville, SC, 29605) 35

41 Closings due to Consolidation: 36 (Contd.) Aug - 11 Buckhead 3379 Peachtree Rd. NE, Atlanta, GA, (Consolidated into: 3630 Peachtree Rd. Ne, Atlanta, GA, 30326) Aug - 11 Brickell Key 501 Brickell Key Dr., Suite 100, Miami, FL, (Consolidated into: 1200 Brickel Ave., Miami, FL, 33131) Aug - 11 Tequesta 101 N US Hwy 1, Tequesta, FL, (Consolidated into: 20 Waterway Rd., Tequesta, FL, 33469) Sep - 15 Laidley Street Drive Thru 534 Lee St. E, Charleston, WV, (Consolidated into: 300 Summers St., Charleston, WV, 25301) Oct - 27 Plaza Main Office 6400 Arlington Blvd., Falls Church, VA, (Consolidated into: 3030 Annandale Road, Falls Church, VA, 22042) Oct - 27 Waynesboro PA Center Square 10 West Main Street, Waynesboro, PA, (Consolidated into: 232 East Main Street, Waynesboro, PA, 17268) Oct - 27 Green Street Drive Thru 331 Ann St., Fayetteville, NC, (Consolidated into: 300 Rowan St., Fayetteville, NC, 28301) Dec - 1 Tyson's Courthouse Office 1953 Gallows Rd., Vienna, VA, (Consolidated into: 8385-A Leesburg Pike, Vienna, VA, 22182) Dec - 1 North Hanover 1191 Eichelberger Street, Hanover, PA, (Consolidated into: 402 Eisenhower Drive, Hanover, PA, 17331) Dec - 1 New Garden 741 West Cypress Street, Kennett Square, PA, (Consolidated into: 920 West Cypress Street, Kennett Square, PA, 19348) Dec - 1 Greer Main Office 400 Memorial Dr. Ext., Greer, SC, (Consolidated into: 101 N. Main St., Greer, SC, 29650) Dec - 8 Timonium York Road 2318 York Road, Timonium, MD, (Consolidated into: 31 W. Timonium Rd., Timonium, MD, 21093) Dec - 8 Shamokin East 300 East Independence Street, Shamokin, PA, (Consolidated into: 521 North Second Street, Shamokin, PA, 17872) Dec - 8 Broadway 200 Broadway, Kissimmee, FL, (Consolidated into: 1115 N John Young Pkwy., Kissimmee, FL, 34741) 36

42 Closings due to Consolidation: 36 (Contd.) Dec - 8 Plano 2400 North Dallas Parkway, Plano, TX, (Consolidated into: 6360 W Plano Pkwy., Plano, TX, 75093) Capital Corporation Mar - 29 North Mooresville 141 Williamson Road, Mooresville, NC, (Consolidated into: 210 Knob Hill Road, Mooresville, NC, 28117) First Feb - 3 Motor (LSF) 866 N. Main St., Troy, NC, (Consolidated into: 341 N. Main St., Troy, NC, 27371) Aug - 4 Asheboro 176 N Fayetteville St., Asheboro, NC, (Consolidated into: 335 S. Fayetteville Street, Asheboro, NC, 27203) HomeTrust Mar - 10 West Center Office 240 West Center Street, Kingsport, TN, (Consolidated into: 422 Broad Street, Kingsport, TN, 37660) Mar - 10 Morristown Financial Center 225 West First North Street, Morristown, TN, (Consolidated into: 120 Evans Avenue, Morristown, TN, 37814) Closings due to Merger (From State to National ): 281 Capital Corporation (Survivor - First Tennessee National Association) Main Office 333 Fayetteville Street, Suite 300, Raleigh, NC, Aventura Northeast 29th Place, Aventura, FL, Big Pine Key Overseas Highway, Big Pine Key, FL, Brooks Grande Plaza 8100 Health Center Blvd., Bonita Springs, FL, Cape Coral Parkway 506 Cape Coral Parkway, Cape Coral, FL, Del Prado 521 Del Prado Boulevard South, Cape Coral, FL, Alhambra 121 Alhambra Plaza, Suite 100, Coral Gables, FL, Gables Waterway 1390 South Dixie Highway, Coral Gables, FL, McGregor McGregor Boulevard, Fort Myers, FL,

43 Closings due to Merger (From State to National ): 281 (Contd.) Capital Corporation (Survivor - First Tennessee National Association) Metro Parkway Metro Parkway, Fort Myers, FL, Homestead Blvd 600 North Homestead Boulevard, Homestead, FL, Krome Avenue 727 North Krome Avenue, Homestead, FL, Islamorada Overseas Highway, Islamorada, FL, Bayside Overseas Highway, Key Largo, FL, Key Largo Overseas Hwy, Key Largo, FL, Key West 330 Whitehead Street, Key West, FL, North Roosevelt 3618 North Roosevelt Boulevard, Key West, FL, Lighthouse Point 4820 North Federal Highway, Lighthouse Point, FL, Marathon 2348 Overseas Highway, Marathon, FL, Marathon Shores Overseas Highway, Marathon, FL, Kings Bay South Dixie Highway, Miami, FL, West Kendall 9000 S.W. 137th Avenue, Miami, FL, City Center 599 9th Street North, Suite 100, Naples, FL, Naples Boulevard 6435 Naples Boulevard, Napels, FL, Nokomis 1099 N Tamiami Trail, Nokomis, FL, Hancock 3405 Hancock Bridge Parkway, North Fort Myers, FL, Pinecrest 9579 South Dixie Highway, Pinecrest, FL,

44 Closings due to Merger (From State to National ): 281 (Contd.) Capital Corporation (Survivor - First Tennessee National Association) Pine Island 9820 Stringfellow Road, Saint James City, FL, Sunrise 4699 North Nob Hill Road, Sunrise, FL, Tavernier Overseas Highway, Tavernier, FL, Auburn 1790 East Venice Avenue, Suite 101, Venice, FL, Venice Island 240 Nokomis Avenue South, Venice, FL, Leicester Highway 462 New Leicester Highway, Asheville, NC, North Asheville 918 Merrimon Ave, Asheville, NC, South Asheville 1751 Hendersonville Road, Asheville, NC, Burlington Main 445 South Main Street, Burlington, NC, Huffman Mill 503 Huffman Mill Road, Burlington, NC, South Church Street 3466 South Church St, Burlington, NC, Kildaire 1201 Kildaire Farm Rd, Cary, NC, West Cary 7705 Carpenter Fire Station Road, Cary, NC, Clayton US Highway 70W, Clayton, NC, Clemmons 6290 Towncenter Drive, Clemmons, NC, Dobson 201 West Kapp Street, Dobson, NC, Green Street 225 Green Street, Suite 101, Fayetteville, NC, McPherson Street 929 South McPherson Church Rd, Fayetteville, NC,

45 Closings due to Merger (From State to National ): 281 (Contd.) Capital Corporation (Survivor - First Tennessee National Association) Ramsey Street 4841 Ramsey Street, Fayetteville, NC, Graham 227 South Main Street, Graham, NC, Greensboro 1505 Highwoods Boulevard, Greensboro, NC, High Point 2541 Eastchester Dr, High Point, NC, Hot Springs 164 Bridge Street, Hot Springs, NC, Jonesville 503 Winston Road, Jonesville, NC, Kernersville 1207 South Main Street, Kernersville, NC, King 105 Post Office Street, King, NC, Madison 619 Ayersville Road, Madison, NC, Mebane Office 102 E Washington Street, Mebane, NC, Mooresville 210 Knob Hill Road, Mooresville, NC, Morrisville 9632 Chapel Hill Rd, Morrisville, NC, Mount Airy Community Drive, Mount Airy, NC, Mount Airy Downtown 255 East Independence Blvd, Mount Airy, NC, Oxford 200 Williamsboro St, Oxford, NC, Pilot Mountain 616 South Key Street, Pilot Mountain, NC, Pittsboro 37 Hillsboro Street, Pittsboro, NC, Cameron Village 2127 Clark Avenue, Raleigh, NC,

46 Closings due to Merger (From State to National ): 281 (Contd.) Capital Corporation (Survivor - First Tennessee National Association) Edwards Mill 3100 Edwards Mill Road, Raleigh, NC, Falls Of The Neuse 6501 Falls Of Neuse Road, Raleigh, NC, Six Forks Road 8816 Six Forks Rd., Suite 101, Raleigh, NC, Sandy Ridge 4928 Highway 704 East, Sandy Ridge, NC, Horner Boulevard 2917 South Horner Boulevard, Sanford, NC, Steele Street 130 North Steele St, Sanford, NC, Tramway Crossing 2222 Jefferson Davis Highway, Sanford, NC, Siler City 300 East Raleigh Street, Siler City, NC, Union Grove 1439 West Memorial Highway, Harmony, NC, Wake Forest Capital Blvd, Wake Forest, NC, Jonestown 4701 Country Club Road, Winston Salem, NC, Stratford Road 500 South Stratford Road, Winston Salem, NC, University 225 East Hanes Mill Road, Winston Salem, NC, South Park 3151 Peters Creek Parkway, Winston-Salem, NC, Yadkinville 532 East Main Street, Yadkinville, NC, Zebulon 1260 North Arendell Avenue, Zebulon, NC, Boiling Springs 3090 Boiling Springs Road, Boiling Springs, SC, Columbia Main 1320 Main Street, Ste 175, Columbia, SC,

47 Closings due to Merger (From State to National ): 281 (Contd.) Capital Corporation (Survivor - First Tennessee National Association) Columbia Main Drive Thru 1340 Sumter Street, Columbia, SC, Northeast Two Notch Road, Columbia, SC, Trenholm 4840 Forest Drive, Columbia, SC, Pelham 3401 Pelham Road, Greenville, SC, Greer 713 West Wade Hampton Boulevard, Greer, SC, Lexington 5075 Sunset Boulevard, Lexington, SC, Mount Pleasant 651 Johnnie Dodds Blvd, Mount Pleasant, SC, Pine Street 215 North Pine Street, Spartanburg, SC, Reidville Road 2680 Reidville Rd, Spartanburg, SC, Stonecrest 1115 Stonecrest Boulevard, Tega Cay, SC, Alcoa 325 West Joule St, Alcoa, TN, Athens 1305 Decatur Pike, Athens, TN, Brentwood 5120 Maryland Way, Brentwood, TN, Volunteer 1430 Volunteer Parkway, Bristol, TN, Bulls Gap 105 North Main Street, Bulls Gap, TN, Carthage 1001 North Main Street, Carthage, TN, Clarksville Downtown 25 Jefferson Street, Clarksville, TN, Fort Campbell 111 Cunningham Lane, Clarksville, TN,

48 Closings due to Merger (From State to National ): 281 (Contd.) Capital Corporation (Survivor - First Tennessee National Association) Hilldale Office 1805 Madison Street, Clarksville, TN, Saint Bethlehem 2786 Wilma Rudolph Blvd, Clarksville, TN, Cool Springs 9200 Carothers Parkway, Franklin, TN, Franklin Royal Oaks 231 South Royal Oaks Boulevard, Franklin, TN, Franklin Downtown 320 Main Street, Franklin, TN, Gallatin Main 710 Nashville Pike, Gallatin, TN, West Broadway 250 West Broadway, Gallatin, TN, East Bypass 3015 E. Andrew Johnson Highway, Greeneville, TN, Asheville Highway 503 Asheville Highway, Greeneville, TN, Baileyton 560 Van Hill Road, Greeneville, TN, Greeneville Main 100 North Main Street, Greeneville, TN, Towne Square 255 West Summer Street, Greeneville, TN, Tusculum Road 841 Tusculum Boulevard, Greeneville, TN, Indian Lake 117 Indian Lake Boulevard, Hendersonville, TN, New Shackle Island 303 New Shackle Island Road, Hendersonville, TN, Boones Creek 4309 North Roan Street, Johnson City, TN, State Of Franklin 503 North State Of Franklin Road, Johnson City, TN, Jonesborough 150 North Lincoln Avenue, Jonesborough, TN,

49 Closings due to Merger (From State to National ): 281 (Contd.) Capital Corporation (Survivor - First Tennessee National Association) Center Street 110 East Center St., Kingsport, TN, Knoxville Farragut 136 Concord Road, Knoxville, TN, Lafayette 440 Highway 52 Bypass West, Lafayette, TN, Lawrenceburg 101 North Locust Avenue, Lawrenceburg, TN, Lenoir City 510 Highway 321 North, Lenoir City, TN, Madisonville 4653 Highway 411, Madisonville, TN, Eagleton 2747 East Broadway, Maryville, TN, West Maryville 403 Foothills Mall Drive, Maryville, TN, College Square 2329 East Morris Boulevard, Morristown, TN, Morristown Plaza 1908 W. Andrew Johnson Hwy, Morristown, TN, West End 3610 West Andrew Johnson Hwy, Morristown, TN, Cason Lane 164 Cason Lane, Murfreesboro, TN, Murfreesboro South Church 1470 South Church Street, Murfreesboro, TN, Donelson 2621 Lebanon Pike, Nashville, TN, Glen Echo Road 1915 Glen Echo Road, Nashville, TN, Newport 602 Cosby Highway, Newport, TN, Niota 204 East Main Street, Niota, TN, Portland 420 Highway 52 West, Portland, TN,