David W. Hoyle

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South Banking Corp. operates as a bank holding company for Citizens South Bank. Its principal business activities are overseeing and directing the business of the bank and its assets consist primarily of the outstanding capital stock of the bank, deposits held at the bank and investment securities. The bank provides a full range of retail products, commercial banking services and mortgage lending services to local customers. Its primary banking activities include the acceptance of deposits and the origination of loans. The company was founded on March 18, 1998 and is headquartered in Gastonia, NC.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South Banking Corp. operates as a bank holding company for Citizens South Bank. Its principal business activities are overseeing and directing the business of the bank and its assets consist primarily of the outstanding capital stock of the bank, deposits held at the bank and investment securities. The bank provides a full range of retail products, commercial banking services and mortgage lending services to local customers. Its primary banking activities include the acceptance of deposits and the origination of loans. The company was founded on March 18, 1998 and is headquartered in Gastonia, NC.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South Banking Corp. operates as a bank holding company for Citizens South Bank. Its principal business activities are overseeing and directing the business of the bank and its assets consist primarily of the outstanding capital stock of the bank, deposits held at the bank and investment securities. The bank provides a full range of retail products, commercial banking services and mortgage lending services to local customers. Its primary banking activities include the acceptance of deposits and the origination of loans. The company was founded on March 18, 1998 and is headquartered in Gastonia, NC.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South Banking Corp. operates as a bank holding company for Citizens South Bank. Its principal business activities are overseeing and directing the business of the bank and its assets consist primarily of the outstanding capital stock of the bank, deposits held at the bank and investment securities. The bank provides a full range of retail products, commercial banking services and mortgage lending services to local customers. Its primary banking activities include the acceptance of deposits and the origination of loans. The company was founded on March 18, 1998 and is headquartered in Gastonia, NC.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South Banking Corp. operates as a bank holding company for Citizens South Bank. Its principal business activities are overseeing and directing the business of the bank and its assets consist primarily of the outstanding capital stock of the bank, deposits held at the bank and investment securities. The bank provides a full range of retail products, commercial banking services and mortgage lending services to local customers. Its primary banking activities include the acceptance of deposits and the origination of loans. The company was founded on March 18, 1998 and is headquartered in Gastonia, NC.

Citizens South Banking Corp. operates as a bank holding company for Citizens South Bank. Its principal business activities are overseeing and directing the business of the bank and its assets consist primarily of the outstanding capital stock of the bank, deposits held at the bank and investment securities. The bank provides a full range of retail products, commercial banking services and mortgage lending services to local customers. Its primary banking activities include the acceptance of deposits and the origination of loans. The company was founded on March 18, 1998 and is headquartered in Gastonia, NC.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South Banking Corp. operates as a bank holding company for Citizens South Bank. Its principal business activities are overseeing and directing the business of the bank and its assets consist primarily of the outstanding capital stock of the bank, deposits held at the bank and investment securities. The bank provides a full range of retail products, commercial banking services and mortgage lending services to local customers. Its primary banking activities include the acceptance of deposits and the origination of loans. The company was founded on March 18, 1998 and is headquartered in Gastonia, NC.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South Banking Corp. operates as a bank holding company for Citizens South Bank. Its principal business activities are overseeing and directing the business of the bank and its assets consist primarily of the outstanding capital stock of the bank, deposits held at the bank and investment securities. The bank provides a full range of retail products, commercial banking services and mortgage lending services to local customers. Its primary banking activities include the acceptance of deposits and the origination of loans. The company was founded on March 18, 1998 and is headquartered in Gastonia, NC.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.

Citizens South Banking Corp. operates as a bank holding company for Citizens South Bank. Its principal business activities are overseeing and directing the business of the bank and its assets consist primarily of the outstanding capital stock of the bank, deposits held at the bank and investment securities. The bank provides a full range of retail products, commercial banking services and mortgage lending services to local customers. Its primary banking activities include the acceptance of deposits and the origination of loans. The company was founded on March 18, 1998 and is headquartered in Gastonia, NC.

Citizens South is a Gastonia, North Carolina-based bank with the breadth and depth of over 100 years of experience in community banking. It is a full-service financial institution specializing in banking services for individual consumers and small to mid-sized businesses. Their continuing commitment to the communities they serve, to increasing shareholder value, and to investing in employee success remains paramount in all of their endeavors. A financially solid company aggressively promoting their products and services through geographic, market and product expansions, Citizens South is focused on growth for the betterment of their stockholders, their customers, their employees and their communities. Today, Citizens South Bank has grown to over $1 billion in assets with 21 full-service banking offices and is now the second largest community bank head-quartered in the Charlotte Region. They remain focused on providing personal financial service consistent with their community banking heritage.

CB&I Group, Inc. engages in the provision of engineering, construction, technology, fabrication, remediation and support services. The company was founded by James M. Bernhard Jr. in 1986 and is headquartered in Houston, TX.