BUSINESS SOLUTIONS

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1 BUSINESS SOLUTIONS

2 MISSION CCB is a locally owned and operated community bank dedicated to providing superior customer service and creating outstanding value for our shareholders and communities. VISION Our vision is to be recognized by our peers and customers as the premier community bank in the lake country area. VALUES Represent the cornerstone of our bank. These values guide our day-to-day relationships with our employees, customers, and shareholders, and provide the foundation for our approach to sound corporate governance. HONESTY INTEGRITY RESPONSIBILITY LOYALTY TEAMWORK requires that we say and acknowledge facts and circumstances, even if they are unpleasant. is the foundation of trust between us and others. requires being accountable and dependable for our actions and deeds. is commitment to support the ideas of customers, employees, shareholders, and other stakeholders. is being cooperative, working in unison to accomplish both personal and corporate goals in a professional manner. TO OUR EMPLOYEES We are committed to providing all our employees with a work environment that supports equal opportunity achievement of personal goals through professional development. Your respect for one another, creativity, innovation, ideas, and contributions are encouraged to support CCB in fulfilling its mission to provide an experience that says, You ll Love Banking Here!

3 FROM OUR PRESIDENT Welcome to CCB! Enclosed you will find an outstanding selection of business solutions that are designed to deliver a better banking experience to you and your business. At CCB, it is our goal each day to provide excellent customer service through our top-notch team and outstanding product selection. Many businesses, big or small, find themselves feeling forgotten or lost in the numbers of the banking world. At CCB, we are not entitled to your business we want to earn it, keep it, and show you why You ll love banking here! I want to thank you for taking time to browse our business solutions, and I personally invite you to consider CCB for your banking needs. Again, I appreciate the time and the opportunity you have given us. Take a look inside and see why You ll love banking here! Best Regards, James R. Black President & CEO

4 Business Checking Accounts Choose from a variety of business checking options: Business Value checking This commercial checking account is simply a business checking account. No frills, no fuss. Take advantage of our Business Advantage 300 checking, a level above our Business Value Checking big value, with an advantage. We also offer Business Advantage Interest checking, our most elite business checking account with the advantage of interest. Community Counts checking is designed to meet and exceed the needs of civic and community organizations with minimum monthly transaction activity. Business Analysis checking for businesses with moderate to high transaction volumes, high checking balances and cash-management needs, CCB offers Business Analysis Checking. The balance maintained in your Business Analysis Checking account earns credit towards reducing or eliminating service charges and fees on treasury products your business takes advantage of.

5 CCB BUSINESS CHECKING PRODUCTS BUSINESS BUSINESS BUSINESS COMMUNITY BUSINESS VALUE ADVANTAGE ADVANTAGE COUNTS ANALYSIS INTEREST CHECKING 300 CHECKING CHECKING CHECKING CHECKING Minimum to Open $100 $100 $100 $100 $100 Monthly Maintenance Charge (avoidable*) $5* $10* $15* $0 $15 Minimum Daily Balance $500 $2,000 $5,000 $0 n/a Interest Bearing Account 3 FREE Online Banking FREE Text Statements Additional Fees $.30 /item $.30 /item $.30 /item $.30 /item over 200 over 300 over 300 over 200 See Below Deposited Item $ 0.12 BUSINESS ANALYSIS CHECKING Per Item Fees Wire Deposit (Domestic) $ ACH or Paper Deposit $ 0.12 Merchant Capture $ 0.12 Cashed Check $ 0.17 Withdrawal $ 0.17 Check $ 0.17 ACH Payment $ 0.17 IB Transfer Deposit $ 0.12 IB Transfer Withdrawal $ 0.17 Coin Rolled $ 0.15 Strapped Currency $ 0.15 Wire Deposit (International) $ Wire Payment (Domestic) $ Wire Payment (International) $ Collection Items $ Bill Pay Item $ 0.15 ACH Orig Batch Fee $ 5.00 ACH Orig Item $ 0.12 Express Deposit Fee (per month) $ Positive Pay Fee (per month) $ 10.00

6 Business Savings Choose from a either our Business Savings or Business Money Market accounts. Business Savings offers a competitive interest rate and ready access to your funds. The Business Money Market account is ideal for businesses that need access to their funds at all times, yet wish to earn high money market rates on their money.

7 CCB BUSINESS SAVINGS PRODUCTS BUSINESS SAVINGS BUSINESS MONEY MARKET Minimum to Open $100 $2,500 Monthly Maintenance Charge (avoidable) $5 $10 Minimum Daily Balance $500 $2,500 FREE Online Banking 3 3 BALANCE PROTECTION TRANSFER OVERDRAFT PROTECTION TRANSFER AUTO TRANSFER Never worry about being below the minimum balance or overdrawing your business checking again. With CCB s Balance Protection Transfer you can have your business savings or money market auto transfer money in the event your business checking balance drops below the balance that you are comfortable with. Let your CCB Business Savings and Money Market protect you from ever being overdrawn again. With CCB s Overdraft Protection Transfer your Business Savings or Money Market will transfer funds into your business checking in the event of an overdraft. Whether it is saving money for new office equipment or making sure your payroll account has funds on payday, let CCB s auto transfer do it for you. You can set funds to Auto Transfer between any of your CCB deposit accounts at anytime. Set the amount and frequency and forget it. Just another way CCB is working to save you time and money.

8 Treasury Services CCB Online Treasury Services Designed for a better business banking experience. With our business customers in mind, CCB has designed an array of treasury services that prevent the constant need to stop productivity and travel to the bank. Whether it is depositing checks with Merchant Capture, paying employees with direct deposit through our Online ACH Origination, or accepting credit and debit cards for faster payment with our Merchant Services, CCB has you covered with an unbeatable line of Treasury Services. Business Online Banking Our Business Online Banking platform allows you to do just that. You can access your business accounts to check balances, print a detailed history, transfer money, make loan payments, set up alerts, pay your bills and more! In addition, business customers may take advantage of CCB s Treasury Services.

9 TREASURY SERVICES BUSINESS BILL PAY BUSINESS VISA POSITIVE PAY E-Pay is the quickest, most convenient way to take control of your banking. Forget the hassle of writing checks, recording the information, and waiting for checks to make it to their destination. Just log on, specify the amount, transmit date, frequency, and number of payments to transmit to your payees. You ll also get the CheckFree Guarantee and say goodbye to late fees - ask an associate for details! Are your everyday expenses becoming a hassle to keep up with? Don t let it be. CCB is excited to offer our Business Visa credit card for those everyday purchases. With the easy to read statements and online transaction tracker, never fall behind on how much is being spent! Reduce the risk of check fraud with Positive Pay from CCB. With this service, you submit an electronic file each day detailing the checks your business issues. As each check is presented for payment, the Positive Pay system electronically compares it to the information in your file. Any discrepancies are flagged and reported through a special alert and on your CCB Business Online Banking, where you can see an image of the check and make an online pay/no pay decision. (Coming soon!) MERCHANT CAPTURE ONLINE WIRE TRANSFER ACH ORIGINATION Spend less time depositing checks and more time running your business. With Merchant Capture, you can use remote check scanning technology to make unlimited deposits to your business account from your home or office. This means less time traveling to the bank and more time focusing on your business. One of the many features included in your Business Online Banking, this feature lets you manage your business more effectively and efficiently by allowing you to originate your own wire without having come in. Pay your suppliers, vendors, government taxes and employees through CCB s Automated Clearing House services. You ll reduce costs while disbursing funds, create more predictable settlement and cash flow, reduce lost check and fraud expenses, and increase payee satisfaction with prompt payments.

10 Business Lending Solutions CCB is dedicated to the business community. We strive to learn your business so we can customize a lending solution that makes sense for your business. Whether you are looking to start up a new business or expand your existing business, the CCB commercial lending team has a solution to help you meet and exceed your goals.

11 EQUIPMENT BUSINESS LOANS MORTGAGES Have you outgrown your current office space? CCB offers term mortgages on owner occupied commercial properties, multifamily properties, commercial rentals, and industrial properties. AUTO LOANS Is that company car just not what it used to be? Maybe you are thinking about expanding your fleet. CCB has a range of financing options available for you. LINES OF CREDIT Do you find yourself in need of more working capital from time to time? CCB specializes in lines of credit for working capital, crop production, accounts receivable, inventory, and much more. CONSTRUCTION LOANS Whether expanding your business or if you are just getting started, CCB s lending team can make it a reality with a construction loan to fit your needs. EQUIPMENT LOANS If that old tractor needs to be replaced or you are in need of a new assembly line, CCB has the right financing for you. We offer fixed rate loans for three to seven years on all types of equipment. AGRICULTURAL LOANS Whether you need a little extra cash to get you through the season, expand your existing acreage, or need a crop note, CCB offers an outstanding agricultural program that is guaranteed to fit your farming needs.

12 LO C AT I O N S HENDERSON 851 South Beckford Drive Suite A Henderson, NC (252) HEADQUARTERS 800 N. Mecklenburg Avenue South Hill, VA (434) (BANK) GASBURG 4200 Gasburg Road Gasburg, VA (434) ROANOKE RAPIDS 778 Old Farm Road South Roanoke Rapids, NC (252) BOYDTON 581 Madison Street Boydton, VA (434) LOUISBURG 202 North Main Street Louisburg, NC (919) RALEIGH Loan Center 9370 Falls of Neuse Road Suite 203 Raleigh, NC (919)