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Question and Answer Guide Community Bank & Trust, Cornelia, GA En Español FDIC Call Center Toll free number 1-800-430-7974 Hours of Operation – Eastern Time Friday, January 29, 2010:   Until 9:00 p.m. Saturday, January 30, 2010:   9:00 a.m. – 6:00 p.m. Sunday, January 31, 2010:   Noon – 6:00 p.m. Thereafter:   8:00 a.m. – 8:00 p.m. On Friday, January 29, 2010, Community Bank & Trust, Cornelia, GA, was closed by the Georgia Department of Banking and Finance. The Federal Deposit Insurance Corporation (FDIC) was then named Receiver. Subsequent to the closure, SCBT National Association, Orangeburg, SC acquired substantially all the deposits and assets of Community Bank & Trust from the FDIC as Receiver for Community Bank & Trust. The bank holding company, Community Bankshares, Inc., Cornelia, GA, held 100% ownership of the stock of Community Bank & Trust, Cornelia, GA. Any claims by equity holders were not acquired. AFFILIATE BANKS – Business as Usual - Community Bankshares, Inc., wholly owns Community Bank & Trust-Alabama, Union Springs, AL and Community Bank & Trust-West Georgia, LaGrange, GA. These institutions are not subject to this transaction, and, therefore, will continue to operate as usual. The total balance in your account(s) has been transferred to SCBT National Association and will be available for transactions during regular business hours at the former Community Bank & Trust branches. You may continue to use your same checks, ATM Cards and Debit Cards until notified. All Direct Deposits, including Social Security checks, will continue as usual. Subsidiaries will be open for business during their normal operating hours.

Account(s): What about my account with Community Bank & Trust?

If you had an account with Community Bank & Trust, you now have an account with SCBT National Association, Orangeburg, SC. All deposit accounts, which include checking, savings, money market, CDs and retirement accounts, have been transferred to SCBT National Association, regardless of the dollar amount. No one lost any money on deposit in Community Bank & Trust.

Customers of both banks should continue to use their existing branches until SCBT National Association can fully integrate the deposit records of Community Bank & Trust.

To forewarn you of any scams, please be advised that you will not receive any notification from the FDIC, the Receiver, or SCBT National Association to provide any private information. Please be watchful for and resist any such scams to obtain information from you by individuals or entities purporting to act on behalf of Community Bank & Trust, SCBT National Association, or the FDIC.

ATM/debit card and/or Billpay: What about my ATM/debit card and/or bill paying with Community Bank & Trust?

Your ATM/debit card will continue to work, and bill paying will work as it has in the past.

Brokered Deposits: I am a deposit broker or have brokered deposits. What do I do?

As an All-Deposit Transfer transaction, the total of all deposit accounts, excluding the Cede & Co. brokered deposits, have been assumed by SCBT National Association. The FDIC retained the Cede & Co. brokered deposits and will pay off those accounts directly.

Be advised, however, that from and after the date of closing, SCBT National Association will accrue and pay interest on deposit liabilities at a rate it shall determine; accordingly, SCBT National Association shall permit depositors, including brokered depositors, impacted by reduced rates to withdraw their deposits without penalty for early withdrawal.

If you are a customer who has a Community Bank & Trust deposit through a broker, you must contact your broker with any questions.

Direct Deposits - Government Deposits: What will happen to my direct deposits?

Direct Deposits, including Social Security checks, will continue as normal.

Existing Deposits at SCBT National Association: I already have other deposit accounts with the new bank.  When combined with balances at this bank, my deposits exceed $250,000.  Are all funds insured?

The accounts transferred to SCBT National Association will be separately insured for at least six months after the merger. This grace period gives a depositor the opportunity to restructure the accounts, if necessary.

CDs from the failed bank are separately insured until the earliest maturity date after the end of the six-month grace period.

CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period.

If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period.

Interest Rates, Early Withdrawal Penalty: Will I continue to earn interest at the same rate?  Will I be charged an early withdrawal penalty?

Interest on all deposits accrued through Friday January 29, 2010, will be paid at your same rate. SCBT National Association will review rates and notify you if interest rates will change. Your interest rate may be reduced.

You may withdraw funds from any transferred account without an early withdrawal penalty until you enter into a new deposit agreement with your new bank. Entering into a new deposit agreement can be done by either renewing your CD or making a deposit to or a withdrawal from your account.

Loans/mortgages: What about my loan or mortgage with Community Bank & Trust?

All mortgages and loans have been assumed by SCBT National Association, except a few select loans will be retained by the FDIC. The FDIC will notify customers whose loans have been retained. For all loan customers, your payment amount and due date are the same. If you are having your payment deducted from your account, it will continue as it has in the past. You should continue to make your checks payable to Community Bank & Trust and send your payments to the same address.

Loans in Process: What happens if I had a loan in process that had not closed or a line of credit not fully funded?

You should contact your loan officer.  All prior contacts remain the same.

Media: I represent a TV/Newspaper/Radio and would like some information.

Please contact the Office of Public Affairs:

Outstanding Checks: What about checks that I have written on my account with Community Bank & Trust?

Your checks will clear up to the available balance in your account.  You can continue to use your existing checks.

Safe Deposit Boxes: How can I claim the contents of my safe deposit box?

It is business as usual.  You can go to your local branch and access your safe deposit box; however, no action on your part is required because of this transaction.

Shareholders: What about my shares of stock?

All shares of the Community Bank & Trust were owned by its holding company, Community Bankshares, Inc., Cornelia, GA. The holding company was not included in the closing of the bank or the resulting receivership. If you are a shareholder of Community Bankshares, Inc., please do not contact or file a claim with the Receiver. You may contact Community Bankshares, Inc., directly for information as follows:

Transaction Types: Why do all deposits, insured or not, pass in some transactions but not in others?

The FDIC is required by law to employ the least-cost resolution measure for each failed financial institution. The most frequent result had been for the FDIC to transfer only the insured deposits in a Purchase and Assumption transaction; however, the temporary increase in the deposit insurance limit has assisted in the transfer of all deposits more often in the past year.

Unpaid Bills: I did some work for the bank and have not been paid. What should I do?

All claims against Community Bank & Trust, together with proof of the claims, must be submitted in writing to the Receiver at the following address:

Last Updated 01/29/2010

cservicefdicdal@fdic.gov