. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . . STATE OF GEORGIA DEPARTMENT OF BANKING AND FINANCE 2990 Brandywine Road, Suite 200 Atlanta, Georgia 30341-5565 DAVID G. SORRELL, ACTING COMMISSIONER Phone: (770) 986-1633 Fax: (770) 986-1655 Internet Address: http://www.state.ga.us/dbf/ or http://www.gadbf.org May 31, 2002 The following is a summary of official action taken on applications by State Financial Institutions under Chapter 7-1 of the Code of Georgia and petitions for Certificate of Incorporation of Financial Institutions and other matters of interest during the month of May 2002. NOTICES: Georgia Fair Lending Act Questions, Inquiries, and Comments 1 of 5 APPLICATIONS FOR NEW FINANCIAL INSTITUTION FINANCIAL INSTITUTION Neighbors Bank 2320 Old Milton Parkway Alpharetta, GA 30004 Fulton County Generations Bank 336 Blue Ridge Street Blairsville, GA 30512 Union County McIntosh Commercial Bank 820 Dixie Street Carrollton, GA 30117 Carroll County American Trust Bank 300 Colonial Center Parkway, Suite 150 Roswell, GA 30076 Fulton County Community Bank of West Georgia Hwy 61, 1 mile S. of Intersection of Hwy 61 & I-20 Villa Rica, GA 30180 Carroll County CAPITALIZATION $ 9,000,000 APPROVAL DATE Pending $ 7,300,000 05-17-2002 $ 10,000,000 Pending $ 8,000,000 Pending $ 7,000,000 Pending BEGIN BUSINESS DATE PREVIOUS NAME Security First Network Bank First Georgia Bank Synovus Trust Company FINANCIAL INSTITUTION CONVERSIONS CONVERTED TO SFNB (Georgia) Bank Atlanta Fulton County APPROVAL DATE 04-01-2002 First Georgia Bank Brunswick Glynn County Pending Synovus Trust Company, N.A. Columbus Muscogee County Pending EFFECTIVE DATE 05-31-2002 2 of 5 APPLICATIONS TO ESTABLISH A BRANCH OFFICE FINANCIAL INSTITUTION Integrity Bank Alpharetta BRANCH OFFICE Roswell Branch Office Highway 92 and Westwind Boulevard Roswell, GA 30075 Fulton County APPROVAL DATE 05-31-2002 SunTrust Bank Atlanta Gateway Village Safeway Branch Office 2635 Housley Road Annapolis, MD 21401 Anne Arundel County Pending SunTrust Bank Atlanta Clinton Crossing Safeway Branch Office 8785 Branch Avenue Clinton, MD 20733 Prince George's County 05-16-2002 SunTrust Bank Atlanta Hamilton Mill North Branch Office 3480 Georgia State Highway 124 Ducula, GA 30019 Gwinnett County 02-07-2002 Pinnacle Bank Elberton Lexington Branch Office 114 Gilmer Street Lexington, GA 30648 Oglethorpe County 05-30-2002 Gainesville Bank & Trust Gainesville North Hall Branch Office 3640 Thompson Bridge Road Gainesville, GA 30506 Hall County 03-26-2001 Heritage Bank Jonesboro Hampton Road Branch Office 860 Hampton Road McDonough, GA 30253 Henry County 05-06-2002 Security Bank of Bibb County Macon Forsyth Road Branch Office 4219 Forsyth Road Macon, GA 31210 Bibb County 04-25-2001 Southern Heritage Bank Oakwood Friendship Road Branch Office 4977 Friendship Road, Suite 113 Buford, GA 30518 Hall County 05-30-2002 Northwest Georgia Bank Ringgold Fort Oglethorpe Branch Office Highway 2-A and Dietz Road Fort Oglethorpe, GA 30742 Catoosa County 05-31-2002 BEGIN BUSINESS DATE 05-06-2002 05-06-2002 05-06-2002 3 of 5 FINANCIAL INSTITUTION RBC Centura Card Bank Norcross APPLICATIONS TO CHANGE LOCATION From: To: CHANGE LOCATION OF Main Office 157 Technology Parkway Norcross 30092 Gwinnett County 3475 Piedmont Road Atlanta 30305 Fulton County APPROVAL DATE 05-20-2002 EFFECTIVE DATE APPLICATIONS FOR RESERVATION OF A NAME PROPOSED NAME First Commerce Community Bank COUNTY Douglas County APPLICANT Mr. Eric A. Koontz, Attorney Troutman Sanders LLP 600 Peachtree St. N.E., Suite 5200 Atlanta, GA 30308 FINANCIAL INSTITUTION (SURVIVOR) Ft. McPherson Credit Union Ft. McPherson First National Bank of Griffin Griffin Farmers and Merchants Bank Lakeland First Bank of Gwinnett Lawrenceville FINANCIAL INSTITUTION MERGERS MERGED INSTITUTION East Point Municipal Employees Credit Union East Point American Community Bank of Georgia McDonough The United Banking Company Nashville Embry Bank Lawrenceville APPROVAL DATE 05-09-2002 EFFECTIVE DATE OCC Approval 04-18-2002 05-31-2002 Pending Pending RBC Centura Bank Rocky Mount, NC SFNB (Georgia) Bank Atlanta 05-16-2002 Branch Banking and Trust Company Winston-Salem Community First Bank Carrollton 04-29-2002 05-10-2002 APPLICATIONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION BANK HOLDING COMPANY Synovus Financial Corp. Columbus, GA Gwinnett Commercial Group, Inc. Lawrenceville, GA RBC Centura Banks, Inc. Rocky Mount, NC ACQUISITIONS ONLY TO ACQUIRE The Bank of Nashville Nashville, TN Embry Bank Lawreceville, GA Tucker Federal Bank Tucker, GA APPROVAL DATE Pending Pending Pending 4 of 5 CITY Columbus Covington Atlanta Jonesboro Dalton Marietta CHECK CASHER LICENSES ISSUED APPLICANT NAME Buster Enterprises, Inc. Eun & Chul Enterprises, Inc. Global, LLC Manna Investment Group Inc. TRADE NAME EZ Cash Sun Shine Coin Laundry Global Check Cashing Amoco Food Mart Rapi-Cheque, LLP Tavoos Enterprises, Inc. Rapi-Cheque Food Basket GEORGIA FAIR LENDING ACT QUESTIONS, INQUIRIES, AND COMMENTS The Governor signed the Georgia Fair Lending Act (HB 1361) into law on April 22, 2002. The law is effective October 1, 2002 and affects all lenders and brokers who make home loans in Georgia. The Department requests that you send your questions, inquiries and comments on the Georgia Fair Lending Act to us by June 15, 2002, so that we all can prepare for the October 1 implementation date for this law. You may send these comments by e-mail to gafla@dbf.state.ga.us or regular mail or by fax. We would greatly appreciate you referencing that your correspondence regards the Georgia Fair Lending Act in order to expedite the Department's handling of this correspondence. The Department intends to compile a question and answer database from this correspondence that will be posted on our website www.gadbf.org as soon as possible before October 1, 2002. Thanks in advance for your help with this matter. 5 of 5