Cornerstone Bancshares is the holding company for Cornerstone Community Bank, which operates about five locations in Chattanooga, Tennessee, and surrounding communities, in addition to two loan production offices in Knoxville, Tennessee, and Dalton, Georgia. The bank offers standard retail and commercial services, including checking and savings accounts, money market accounts, and CDs. Its lending activities primarily consist of commercial real estate loans, residential mortgages, real estate construction loans, and business and agricultural loans. Another subsidiary of Cornerstone Bancshares, Eagle Financial, purchases accounts receivable and acts as a conduit lender.

F.N.B. Corporation is the holding company for First National Bank of Pennsylvania, which operates about 225 bank branches in Pennsylvania and northeastern Ohio. The company also has more than 50 consumer finance offices in those states and Tennessee, plus a handful of loan production offices in Florida. It operates in four segments, providing community banking, wealth management, insurance, and consumer finance products and services to retail clients and small businesses. It also offers leasing and merchant banking services. F.N.B. plans to expand in northeastern Pennsylvania through the acquisition of Comm Bancorp in a deal worth some $70 million.

Farmers Capital Bank Corporation, a bank holding company, provides financial services to individual, business, agriculture, government, and educational customers. Farmers Capital Bank Corporation company’s deposit products include checking, savings, and term certificate accounts. Its lending products comprise residential mortgage, commercial lending and leasing, and installment loans. The company also offers other services, such as cash management, issuing letters of credit, safe deposit box rental, and funds transfer. In addition, it acts as a trustee of personal trusts; an executor of estates; a trustee for employee benefit trusts; and a registrar, a transfer agent, and a paying agent for bond issues. Further, the company serves as an agent in providing credit card loans; offers investments and other services; and performs data processing services for nonaffiliated entities. As of December 31, 2009, it had 36 banking locations in 23 communities in central and northern Kentucky. Farmers Capital Bank Corporation was founded in 1850 and is headquartered in Frankfort, Kentucky.

Fauquier Bankshares, Inc. operates as a holding company for The Fauquier Bank that provides consumer and commercial banking services to individuals, businesses, and industries in Virginia. Its deposit products include demand deposits, interest-bearing and non-interest-bearing deposits, NOW accounts, money market accounts, savings accounts, time deposits, and direct deposits. The company’s loan portfolio comprises real estate loans, such as one to four family residential loans, construction loans, and commercial real estate loans; consumer loans, including installment loans, credit card loans, and other secured and unsecured credit facilities; and commercial loans comprising loans for working capital, equipment purchases, and various other business purposes. Its loan portfolio also consists of stand-by letters of credit and grants for installments, unsecured and secured personal loans, and residential mortgages and home equity loans, as well as automobile and other types of consumer financing. In addition, Fauquier Bankshares, Inc. offers safe deposit services, credit cards, cash management services, direct deposits, notary services, night depository, travel and gift cards, cashier’s checks, domestic collections, savings bonds, bank drafts, automated teller services, drive-in tellers, Internet banking, telephone banking, and banking by mail services. Further, it provides wealth management services that include investment management, trust, estate settlement, retirement, insurance, brokerage, and title insurance services. Fauquier Bankshares, Inc. has 10 full service branch offices located in the Virginia communities of Warrenton, Catlett, The Plains, Sudley Road-Manassas, Old Town-Manassas, New Baltimore, Bealeton, Bristow, and Haymarket. Fauquier Bankshares, Inc. was founded in 1902 and is based in Warrenton, Virginia.

Since 1954, First Federal has been dedicated to the economic well-being of the customers and communities it serves. With deep roots in mortgage lending, First Federal was originally known as the premier partner for those needing a home in the Clarksville area. Guided by a group of local business people, the institution recognized the bank could only be as strong as the community it served. First Federal then hired and trained local employees, many of whom grew with the organization for decades. And building on its success with single-family dwellings, First Federal has turned to financing multi-family housing, construction and small business loans. Today, as an independent community bank, we are in a position to offer a broad range of financial services and unparalleled convenience. We can proudly say we have the strength and capacity to support the growth and success of both individuals and companies throughout the state.

First Financial Service Corporation operates as the holding company for First Federal Savings Bank of Elizabethtown that provides various personal and corporate banking services. It offers a range of deposit instruments, including multiple checking accounts, NOW accounts, savings accounts, money market accounts, health savings accounts, individual retirement accounts, and certificates of deposit. The company’s loan portfolio comprises residential mortgage products; specialized financing programs; mortgages for multifamily real estate; commercial real estate loans; commercial loans to businesses, including revolving lines of credit and term loans; real estate development loans; construction lending; agricultural lending; and consumer loans, including home equity lines of credit, auto loans, recreational vehicle, and other secured and unsecured loans. It also provides federal tax depository, merchant bankcard, electronic funds transfer, debit and credit cards, and telephone and Internet banking services. In addition, First Financial Service Corporation offers various mutual funds, equity investments, and fixed and variable annuities, as well as personal investment financial counseling services. It operates 22 full-service banking centers and a commercial private banking center in Hardin, Nelson, Hart, Bullitt, Meade, and Jefferson counties in Kentucky, as well as Harrison and Floyd counties in southern Indiana. First Financial Service Corporation was founded in 1923 and is headquartered in Elizabethtown, Kentucky.

First Horizon National Corporation operates as the holding company for First Tennessee Bank National Association, which provides various financial services in the United States and internationally. The company principally offers general banking services for consumers, businesses, financial institutions, and governments; fixed income sales and trading; underwriting of bank-eligible securities and other fixed-income securities eligible for underwriting by financial subsidiaries; equity sales, trading, and research; loan sales; advisory services; correspondent banking; and derivative sales. It provides transaction processing services, such as nationwide check clearing services and remittance processing; mortgage banking services; trust, fiduciary, and agency services; credit card products; discount brokerage and full-service brokerage; equipment finance; and investment and financial advisory services. First Horizon National Corporation also involves in mutual fund sales and retail and commercial insurance sales; offers private mortgage reinsurance; and provides services related to health savings accounts. As of December 31, 2009, the company had approximately 200 business locations in 16 U.S. states, Hong Kong, and Tokyo. First Horizon National Corporation was founded in 1968 and is headquartered in Memphis, Tennessee.

M&F Bank has deep roots. Since 1890, M&F Bank has served a growing community of clients encompassing parts of four states. From 48 locations and the connected world M&F is delivering a wide array of financial products and services to individuals, businesses, organizations, governments and churches. From our base in Mississippi M&F now serves in Tennessee, Alabama and Florida. Our markets are diverse; our financial services are adapted to the needs of the client. Our mission is built on integrity and focused on exceeding the expectation of our customer. We believe in the basics of traditional banking. We also believe in a menu of related services including insurance, wealth management, investments, mortgage banking and specialized applications of the financial system. M&F is as relational as your best friend and neighbor while being as technologically adept as you require. Stewardship is the means and the end of our mission. As we grow shareholder value through exceptional service we are better able to do good and perpetuate the multiplication of value to customer, community and associate. Our calling is high, our commitment is unswerving and our mission is clear. At M&F Bank the focus is on results.

Four Oaks Fincorp, Inc. is headquartered in Four Oaks, North Carolina. Four Oaks Fincorp, Inc. operates as the holding company for Four Oaks Bank & Trust Company that provides general commercial banking products and services in eastern and central North Carolina. It offers various deposit products, including checking, savings, individual retirement, NOW, and money market accounts, as well as certificates of deposit, and student checking and savings programs. Four Oaks Fincorp, Inc. also offers loans for businesses, agriculture, real estate, personal uses, home improvement, and automobiles; mortgage loans; equity lines of credit; and credit cards. In addition, it offers safe deposit boxes, electronic funds transfer services, Internet and telephone banking services, bill pay and mobile banking services, cashier’s checks, traveler’s check cards, and gift cards. Further, the company provides brokerage services in the areas of financial strategies, mutual funds, annuities, insurance, stocks, individual retirement accounts, employee benefit plans, 401(k)s, and employee pension plans. It operates through 18 locations in Four Oaks, Clayton, Smithfield, Garner, Benson, Fuquay-Varina, Wallace, Holly Springs, Harrells, Sanford, Zebulon, Dunn, Rockingham, and Southern Pines. Additionally, the company offers a product line of secondary marketing-type mortgages.

Green Bankshares, Inc. operates as the bank holding company for GreenBank that provides commercial banking services primarily in Tennessee. Green Bankshares, Inc offers a range of deposit products, such as non-interest bearing and interest-bearing demand deposits, savings deposits, brokered deposits, time deposits, money market accounts, certificates of deposit, interest-bearing checking accounts, and retirement savings plans. It also provides a portfolio of loan products, including commercial real estate loans; residential real estate loans, such as one-to-four family, owner-occupied residential mortgage loans; commercial loans for various business purposes, including working capital, inventory and equipment, and capital expansion; and consumer loans for personal, family, or household purposes. In addition, Green Bankshares, Inc, through its other subsidiaries, provides consumer finance, sub-prime automobile loans, and title insurance services. As of December 31, 2009, it had 63 Tennessee-based full-service banking offices located in Greene, Blount, Cocke, Hamblen, Hawkins, Knox, Loudon, McMinn, Monroe, Sullivan, Washington, Davidson, Lawrence, Macon, Montgomery, Rutherford, Smith, Sumner, and Williamson Counties; and 2 full service branches located in Madison County, North Carolina; and Bristol, Virginia, as well as a mortgage banking location in Knox County, Tennessee. Green Bankshares, Inc was founded in 1890 and is based in Greeneville, Tennessee.

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