BUSINESS SOLUTIONS

www.ccbsite.com

M I S S I O N

CCB is a locally owned and operated community bank dedicated to providing superior customer service and creating outstanding value for our shareholders and communities.

V I S I O N

Our vision is to be recognized by our peers and customers as the premier community bank in the communities we serve.

V A L U E S

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

requires that we say and acknowledge facts and circumstances, even if they are unpleasant.

INTEGRITY

is the foundation of trust between us and others.

RESPONSIBILITY

requires being accountable and dependable for our actions and deeds.

LOYALTY

is commitment to support the ideas of customers, employees,

shareholders, and other stakeholders.

TEAMWORK

is being cooperative, working in unison to accomplish both personal and corporate goals in a professional manner.

T O O U R E M P L O Y E E S

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!”

F R O M O U R P R E S I D E N T

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

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 or 500 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.

C C B B U S I N E S S

C H E C K I N G P R O D U C T S

B U S I N E S S A N A L Y S I S C H E C K I N G

Per Item Fees

Deposited Item $ 0.12 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 (Domestic) $ 15.00 Wire Deposit (International) $ 50.00 Wire Payment (Domestic) $ 20.00 Wire Payment (International) $ 50.00 Collection Items $ 20.00 Bill Pay Item $ 0.15 ACH Orig Batch Fee $ 5.00 ACH Orig Item $ 0.12 Express Deposit Fee (per month) $ 30.00

Positive Pay Fee (per month) $ 10.00

BUSINESS ADVANTAGE

INTEREST CHECKING

BUSINESS BUSINESS BUSINESS COMMUNITY BUSINESS VALUE ADVANTAGE ADVANTAGE COUNTS ANALYSIS CHECKING 300 CHECKING 500 CHECKING CHECKING CHECKING Minimum to Open $100 $100 $100 $100 $100 $100 Monthly Maintenance

Charge (avoidable*) $5* $10* $15* $15* $0 $15

Minimum Daily Balance $500 $2,000 $5,000 $5,000 $0 n/a Interest Bearing Account

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FREE Online Banking

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FREE Text Statements

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Additional Fees $.30 /item $.30 /item $.30 /item $.30 /item $.30 /item

See Below

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.

Business

Savings

C C B B U S I N E S S

S A V I N G S P R O D U C T S

BALANCE

PROTECTION

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.

OVERDRAFT PROTECTION TRANSFER

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.

AUTO TRANSFER

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.

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

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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.

Treasury

BUSINESS

BILL 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!

BUSINESS

VISA®

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!

MERCHANT

SERVICES

Now you can depend on reliable transaction processing along with the same great service you have come to expect from CCB. TransFirst offers easy-to-use processing solutions with best-in-class customer service. Best of all, they can get you set up and ready to take credit cards on day one. Their expertise spans over several industries including:

• Retail

• Specialty retail • eCommerce • Public sector • Municipalities • Health care and more

MERCHANT

CAPTURE

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.

ONLINE WIRE

TRANSFER

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.

ACH

ORIGINATION

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.

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.

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.

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.

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.

Have you outgrown your current office space? CCB offers term mortgages on owner occupied commercial properties, multifamily

properties, commercial rentals, and industrial properties.

EQUIPMENT

LOANS

BUSINESS

MORTGAGES

LINES OF CREDIT

EQUIPMENT

LOANS

AUTO

LOANS

CONSTRUCTION

LOANS

AGRICULTURAL

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.

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.

B R A N C H L O C A T I O N S

GASBURG

4200 Gasburg Road Gasburg, VA 23857 (434) 577-9774

BOYDTON

581 Madison Street Boydton, VA 23917 (434) 738-0265

ROANOKE RAPIDS

778 Old Farm Road South Roanoke Rapids, NC 27870 (252) 537-1265

HEADQUARTERS

800 N. Mecklenburg Avenue South Hill, VA 23970 (434) 447-2265 (BANK)

LOUISBURG

202 North Main Street Louisburg, NC 27549 (919) 729-1116

HENDERSON

851 South Beckford Drive Suite A

Henderson, NC 27536 (252) 598-0234