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| ## Comptroller of the Currency                                        |
|                                                                       |
| > Administrator of National Banks                                     |
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Southeastern District

Marquis One Tower, Suite 600

245 Peachtree Center Ave., N.E.

Atlanta, GA 30303

**Conditional Approval #396**

May 12, 2000 **June 2000**

Beth Whitehead

Attorney at Law

National Bank of Commerce

One Commerce Square

Memphis, Tennessee 38150

Re: 2000-SE-01-003 - NBC National Bank, Knoxville, Tennessee

Dear Ms. Whitehead:

The Office of the Comptroller of the Currency (OCC) has received,
reviewed, and found no exception to the documents submitted by **NBC
National Bank**, to complete the conversion process.

Your national bank Charter Certificate will be forwarded under separate
cover. You were authorized to commence business on ***May 8, 2000***.

This approval is subject to the condition that the bank shall obtain
prior approval from the

OCCs New Jersey Field Office before any significant deviations or
changes from the proposed operating plan occur during the first three
years of operation. The bank must notify the Large Bank Supervision
Division sixty (60) days prior to any proposed significant deviation or
change. This condition is enforceable under 12 USC 1818. The bank must
also provide a copy of such notice to the Memphis FDIC office.

On behalf of the OCC, welcome to the national banking system. Should you
have any questions, please contact Assistant Deputy Comptroller Douglas
W. Roeder, Washington Office, 250 E. Street, SW, Washington, D.C.
20219-0001, telephone at (202) 874-4610, who will be responsible for the
ongoing supervision of your institution.

NBC National Bank

Knoxville, Tennessee

Page 2

This letter constitutes official authorization of the OCC for **NBC
National Bank** to operate the following branches:

**North Carolina**

Altantic Avenue Branch High House Branch Cameron Village Branch

4701-117 Atlantic Avenue 1273 NW Maynard Road 1951 Clark Avenue, Suite
10 1

Raleigh, NC 27604 Cary, NC 27513 Raleigh, NC 27605

Branch No. 117750A Branch No. 117764A Branch No. 117775A

Six Forks Branch **Georgia:**

350 Six Forks Road

Creedmoor Road Branch Raleigh, NC 27609 Fort Oglethorpe Branch

6300‑150 Creedmoor Road Branch No. 117765A 3040 Battlefield Parkway

Raleigh, NC 27612 Fort Oglethorpe, GA 30742

Branch No. 117751A Strickland Branch Branch No. 117776A

8345 Creedmoor Road

Falls of Neuse Branch Raleigh, NC 27613 Calhoun Branch

7905 Falls of Neuse Road Branch No. 117766A 450 West Belmont Drive, SW

Raleigh, NC 27615 Calhoun, GA 30701

Branch No. 117754A Apex Branch Branch No. 117777A

940 US Highway 64

Hillsborough Road Branch Apex, NC 27502 Canton Branch

3457 Hillsborough Road Branch No. 117767A 1550 Ball Ground Highway

Durham, NC 27705 Canton, GA 30114

Branch No. 117755A Greenville Branch Branch No. 117778A

3040 Evans Street

New Bern Avenue Branch Greenville, NC 27834 Gainesville Branch

4111 ‑101 New Bem Avenue Branch No. 117768A 400 Shallowford Road

Raleigh, NC 27610 Gainesville, GA 30504

Branch No. 117756A West Market Branch Branch No. 117779A

4640 West Market Street

Roxboro Road Branch Greensboro, NC 27407 Dalton Branch

5116 North Roxboro Road Branch No. 117769A 2545 East Walnut Avenue

Durham, NC 27704 Dalton, GA 30721

Branch No. 117757A Garner Branch Branch No. 117780A

2680 Timber Drive

Shannon Road Branch Garner, NC 27529 Rome Branch

3117 Shannon Road Branch No. 117770A 2510 Redmond Circle

Durham, NC 27707 Rome, GA 30165

Branch No. 117758A Branch No. 117781A

NBC National Bank, Knoxville, Tennessee

Page 3

Wendover Branch

1206 Bridford Parkway

Kilmayne Drive Branch Greensboro, NC 27410 Cumming Branch

128 Kilmayne Drive Branch No. 117771A 1500 Market Place

Cary, NC 27511 Cumming, GA 30040

Branch No. 117759A Stonehenge Branch Branch No. 117782A

7560 Creedmoor Road

Centre Stage Branch Raleigh, NC 27613 Moultrie Branch

1116 Eastchester Drive Branch No. 117772A 635 East Bypass SE

High Point, NC 27260 Moultrie, GA 31768

Branch No. 117761A Guess Road Branch Branch No. 117790A

1802 North Pointe Drive

Executive Square Branch Durham, NC 27705 Buford Branch

2710 North Church Street Branch No. 117773A 3795 Buford Drive

Greensboro, NC 27405 Buford, GA 30159

Branch No. 117762A Fayetteville Branch Branch No. 117791A

202 North Carolina Hwy 54

Westridge Square Branch Durham, NC 27713 Cartersville Branch

3357 Battleground Avenue Branch No. 117774A 827 Joe Frank Harris Parkway

Greensboro, NC 27410 Cartersville, GA 30120

Branch No. 117763A Branch No. 117792A

AdairsvilleBranch **Virginia** Jefferson Street Branch

5827 Joe Frank Harris Parkway 210 South Jefferson Street

Adairsville, GA 30103 Blacksburg Money Market Roanoke, VA 24011

Branch No. 117793A 903 University City Boulevard Branch No. 117817A

Blacksburg, VA 24060

**West Virginia:** Branch No. 117805A Williamson Road Branch

5102 Williamson Road

Roanoke, VA 24012

St. Albans Branch Cave Springs Branch Branch No. 117820A

1439 Maccorkle Avenue, S.W. 3915 Brambleton Avenue, SW

St. Albans, WV 25177 Roanoke, VA 24018 Vinton Branch

Branch No. 117794A Branch No. 117806A 999 Hardy Road

Vinton, VA 24179

Branch No. 117821A

Dunbar Branch Hardy Road Branch

981 Dunbar Village 915 Hardy Road

Dunbar, WV 25084 Vinton, VA 24179 Botetourt Commons Branch

Branch No. 117795A Branch No. 117807A 72 Kingston Drive

Daleville, VA 24083

Kanawha Mall Branch Lakeside Branch Branch No. 117822A

5717 Maccorkle Avenue, S.E. 161 Electric Road

Charleston, WV 25304 Salem, VA 24153

Branch No. 117799A Branch No. 117808A

NBC National Bank, Knoxville, Tennessee

Page 4

Ridgewood Branch

Riverwalk Branch 1925 Electric Road

5 Riverwalk Salem, VA 24153

South Charleston, WV 25303 Branch No. 117809A

Branch No. 117800A

Delware Avenue Branch Tanglewood Branch

500 Delaware Avenue 4488 Electric Road

Charleston, W 25302 Roanoke, VA 24104

Branch 117801A Branch No. 117810A

Towne Square Branch

Cross Lanes Branch 5050 Rutgers Road

5450 Big Tyler Road Roanoke, VA 24012

Charleston, WV 25313 Branch No. 117811A

Branch No. 117802A

Spartan Square Branch

1477 West Main Street

Ashton Place Branch Salem, VA 24153

1100 Fledder John Road Branch No. 117812A

Charleston, WV 25313

Branch No. 117803A Administrative Office Branch

2706 Ogden Road, 3 Floor

Roanoke, VA 24014

Main Office Branch Branch No. 117816A

128 Capitol Street

Charleston, WV 25389

Branch No. 117804A

Sincerely,

**-signed-**

John O. Stein

Licensing Manager

Charter No: 24052